KR102572703B1 - Service providing apparatus and method for payment using cyber money, system and computer readable medium having computer program recorded therefor - Google Patents

Abstract

The present invention relates to an apparatus and method for providing a payment service using cyber money, a system including the same, and a recording medium on which a computer program is recorded. It relates to an apparatus and method for providing a payment service using cyber money that enhances payment convenience and security at the same time, a system including the same, and a recording medium on which a computer program is recorded. The present invention supports users to use prepaid payment points corresponding to cyber money, such as gift certificates, and sets different passwords (PINs) for each different prepaid payment point to prevent authentication information from being exposed. Security can be strengthened, and at the same time, the convenience of using points can be greatly improved.

Description

Apparatus and method for providing payment service using cyber money, and a system including the same and a recording medium on which a computer program is recorded

The present invention relates to an apparatus and method for providing a payment service using cyber money, a system including the same, and a recording medium on which a computer program is recorded. It relates to an apparatus and method for providing a payment service using cyber money that enhances payment convenience and security at the same time, a system including the same, and a recording medium on which a computer program is recorded.

With the development of mobile communication technology, the use of wireless devices such as mobile phones and personal digital assistants (PDAs) has increased rapidly, and services performed in wired Internet are gradually moving to wireless Internet-based services.

With the activation of wireless networks, various services using many wired and wireless networks are being provided in commercial and service fields. For example, mobile electronic commerce (M-commerce) is an example of a wireless network-based commerce service.

In order to conduct non-face-to-face commercial transactions, a procedure for payment through authentication and payment procedures is required. The online payment method through the existing authentication and payment process is a method of making payment through individual authentication methods such as credit card number and phone bill. In the existing payment method, the payment server cannot store payment information such as credit card or account transfer, so you can use the safe click, ISP credit card payment, or, in the case of simple payment, payment based on a virtual card in consultation with the credit card/account transfer company. was the way to proceed. Simple payment methods are also mainly provided based on apps. A common standard method for online commerce is not provided.

On the other hand, these wireless network-based commercial commerce services are not simply based on existing credit cards or accounts, but also use cyber money such as points that can be converted into goods. Although there are various methods of collection, such as , point gifts, etc., they are managed as the same points.

Accordingly, when using such cyber money, authentication is performed based on the user's single authentication information, so there is a problem of exposure of authentication information due to repeated use of the authentication information. In this case, it is difficult to restrict other users from using cyber money for products that the user does not want because it is impossible to set the purpose of use or the period of use.

Korean Patent Publication No. 10-2000-0063938 [Title of Invention: Method of paying service charges using cyber money on the Internet]

An object of the present invention is to make it easy to use the prepaid amount by enabling a separate PIN for the prepaid amount rather than accumulation, even if it is a single cyber money, and to manage the contents used within the prepaid amount. It aims to enable

In addition, the present invention allows the payer who has paid the prepaid amount to designate a purpose and enable only payment for that purpose, so that it can be used selectively, and if the amount below a certain level remains or the payer sets the restriction to be lifted It is intended to be used in combination with general reserves.

An apparatus for providing a payment service using cyber money according to an embodiment of the present invention receives point payment information including purchase information for purchasing a prepaid payment point and a use password for authentication of use of the prepaid payment point from a user device, and A prepaid payment point according to payment information is generated and paid in correspondence with the user, a point management unit that sets a password for use in correspondence with the prepaid payment point, and product information about the user's purchased product from a shopping mall service providing device that provides product information A payment information receiving unit that receives payment information including selection information on prepaid payment points to be used for payment for purchased products. When receiving payment information, from the user device and the password set in correspondence with the prepaid payment points to be used for product purchase among the prepaid payment points. An authentication unit that authenticates the use of prepaid payment points by comparing the password received or included in the payment information, and extracts the prepaid payment points corresponding to the selection information included in the payment information when making a payment based on the payment information, and interlocks with the authentication unit to make a prepaid payment. A payment processing unit for processing payment according to payment information using the prepaid payment point when authentication for use of the payment point is successful may be included.

As an example related to the present invention, the point management unit designates a selection category selected by the user among preset product categories as the use of prepaid payment points, and the authentication unit determines whether the product corresponding to the payment information corresponds to the selected category. It may be characterized by further determining whether authentication succeeds or not.

As an example related to the present invention, the point management unit classifies and manages each prepaid payment point purchased according to different purchase information, sets a use password and selection category received from the user device in correspondence with each prepaid payment point, and pays The processing unit interworks with the authentication unit to compare the use password set in the prepaid payment point selected by the user with the password received from the user device or included in the payment information, and when authentication is successful, the payment is processed using the selected prepaid payment point. can

As an example related to the present invention, the point management unit generates a single prepaid payment point for a specific category by summing the selection categories of each prepaid payment point purchased according to different purchase information when the selected category is the same, and uses the single prepaid payment point. It may be characterized by setting a use password for.

As an example related to the present invention, the point management unit receives and stores product information including category information from a shopping mall service providing device, and the authentication unit receives and stores product information including information about a product included in payment information. It may be characterized by comparing the category and the selected category corresponding to the prepaid payment point to determine whether authentication succeeds or not depending on whether or not they match.

As an example related to the present invention, the shopping mall service providing device may be either an online shopping mall server or a POS device.

As an example related to the present invention, the point management unit receives information about purchase points according to the user's product purchase from the shopping mall service providing device, stores prepaid payment points separately in correspondence with the user, and uses the accumulated purchase points for the user. stores authentication information set by, and the payment processing unit provides information on the holding status of purchase points and prepaid payment points to the user device, and purchases according to user input information received from the user device when processing payment for payment information. When payment is processed by adding points and prepaid payment points, it is characterized in that payment is processed according to payment information using points created by adding purchase points and prepaid payment points when authentication is successful using authentication information in conjunction with the authentication unit. can

As an example related to the present invention, the point manager further receives setting information on the usage period of the prepaid payment point from the user device, sets the usage period corresponding to the prepaid payment point, and the payment processing unit processes payment according to the prepaid payment point. It may be characterized in that payment is normally processed only when it is within the usage period by checking whether or not it is within the usage period according to time setting information.

A system for providing payment services using cyber money according to an embodiment of the present invention generates point payment information including purchase information for purchasing prepaid payment points used for product payment and a password for authentication of use of prepaid payment points and transmits it through a communication network, and transmits selection information on prepaid payment points to be used for payment of purchase products selected according to user input to a shopping mall service providing device of a shopping mall providing products, and receiving point payment information to obtain points Prepaid payment points are generated according to payment information and paid in correspondence with users, payment information including selection information corresponding to purchased products is received from a shopping mall service providing device, and prepaid payment points are based on selection information included in payment information. The use of the selected prepaid payment point is authenticated by comparing the use password set in correspondence with the prepaid payment point selected to be used for payment of the purchased product and the password received from the user device or included in the payment information, and when authentication is successful, the selected prepaid payment It may include a payment service providing device that processes payment according to payment information using points.

A payment service providing method using cyber money of a shopping mall service providing device of a shopping mall providing products and a payment service providing device connected to a user device through a communication network according to an embodiment of the present invention includes prepaid payment used for product payment from a user device Receiving point payment information including purchase information for purchasing points and use password for authentication of use of prepaid payment points, generating prepaid payment points according to the point payment information, making payments in correspondence with users, and paying the prepaid points Step of setting a password corresponding to the payment point, step of receiving payment information including product information about the user's purchase product and selection information about the prepaid payment point to be used for payment of the purchase product from the shopping mall service providing device, and payment Based on the selection information included in the information, the prepaid payment point to be used for payment for the purchased product is identified, and the use of the prepaid payment point is prevented by comparing the use password set in correspondence with the identified prepaid payment point and the password received from the user device. Authentication may include a step of processing payment according to payment information using a prepaid payment point when authentication is successful.

A computer program for performing the above-described payment service providing method using cyber money may be stored in a recording medium according to an embodiment of the present invention.

The present invention supports users to use prepaid payment points corresponding to cyber money, such as gift certificates, and sets different passwords (PINs) for each different prepaid payment point to prevent authentication information from being exposed. Security can be strengthened, and at the same time, the convenience of using points can be greatly improved.

In addition, the present invention limits the purpose and period of use of the prepaid payment point for the subject of use of the prepaid payment point designated by the user so that the prepaid payment point is used only within the purpose and period of use, and at the same time, the user's authentication information It is possible to support the use of the prepaid payment point by the user easily by using the password set in the prepaid payment point without the need to notify the user, preventing the user's authentication information from being stolen and at the same time using the user's intended purpose and use of the prepaid payment points within the deadline, it is possible to greatly improve the user's management convenience for the prepaid payment points.

In addition, according to the present invention, prepaid payment points can be easily added to purchase points generated and accumulated according to product purchases, and through this, the utilization and liquidity of prepaid payment points can be greatly improved.

In addition, the present invention can use the same cyber money, but use different or integrated authentication methods according to the point acquisition method, and can also selectively limit the use, so the function of limited-use gift certificates such as cultural gift certificates and restaurant gift certificates can be accommodated, and the balance can be managed in an integrated manner, thereby expanding the use of cyber money and enhancing user convenience.

1 is a configuration environment diagram of a payment service system using cyber money according to an embodiment of the present invention.
2 is a block diagram of an apparatus for providing a payment service using cyber money according to an embodiment of the present invention.
3 is an exemplary operation diagram of a payment service providing device using cyber money according to an embodiment of the present invention.
4 is an exemplary view of providing point holding status information of a payment service providing system using cyber money according to an embodiment of the present invention.
5 is an exemplary diagram illustrating a payment processing process for a purchased product using a prepaid payment point of the payment service providing device using cyber money according to an embodiment of the present invention.
6 is an exemplary view of category setting for limiting usage by prepaid payment point in the payment service providing device using cyber money according to an embodiment of the present invention.
7 to 8 are exemplary diagrams of a point summation process of the payment service providing device using cyber money according to an embodiment of the present invention.
9 is a flowchart of a payment service providing method using cyber money according to an embodiment of the present invention.

It should be noted that technical terms used in the present invention are only used to describe specific embodiments and are not intended to limit the present invention. In addition, technical terms used in the present invention should be interpreted in terms commonly understood by those of ordinary skill in the art to which the present invention belongs, unless specifically defined otherwise in the present invention, and are excessively inclusive. It should not be interpreted in a positive sense or in an excessively reduced sense. In addition, when the technical terms used in the present invention are incorrect technical terms that do not accurately express the spirit of the present invention, they should be replaced with technical terms that those skilled in the art can correctly understand. In addition, general terms used in the present invention should be interpreted as defined in advance or according to context, and should not be interpreted in an excessively reduced sense.

Also, singular expressions used in the present invention include plural expressions unless the context clearly dictates otherwise. In the present invention, terms such as "consisting of" or "comprising" should not be construed as necessarily including all of the various elements or steps described in the invention, and some of the elements or steps are included. It should be construed that it may not be, or may further include additional components or steps.

In addition, terms including ordinal numbers such as first and second used in the present invention may be used to describe components, but components should not be limited by the terms. Terms are used only to distinguish one component from another. For example, a first element may be termed a second element, and similarly, a second element may be termed a first element, without departing from the scope of the present invention.

Hereinafter, a preferred embodiment according to the present invention will be described in detail with reference to the accompanying drawings, but the same or similar components are assigned the same reference numerals regardless of reference numerals, and redundant description thereof will be omitted.

In addition, in describing the present invention, if it is determined that a detailed description of a related known technology may obscure the gist of the present invention, the detailed description will be omitted. In addition, it should be noted that the accompanying drawings are only for easily understanding the spirit of the present invention, and should not be construed as limiting the spirit of the present invention by the accompanying drawings.

1 is a configuration environment diagram of a payment service system using cyber money according to an embodiment of the present invention. As shown, cyber money (which is connected to a user device 10 through a communication network and can be used by a user to purchase a product) It may include a payment service providing device 100 that provides a prepaid payment point, which is cyber money, and the payment service providing device 100 includes an online shopping mall server 210 that provides product information online and sells offline products. It is possible to mutually communicate with the shopping mall service providing device 200 including the POS (Point Of Sale) device 220 installed in an offline shopping mall to communicate with each other through a communication network.

According to the configuration described above, the payment service providing device 100 obtains a prepaid payment point, which is cyber money available for a product, from a user device 10 that wants to purchase a product provided by the shopping mall service providing device 200 through prepaid payment. It can be created, accumulated in correspondence with the user, and communicated with the shopping mall service providing device 200 when purchasing a product so that prepaid payment points can be used for product purchase.

At this time, the payment service providing device 100 distinguishes and accumulates different prepaid payment points generated according to different purchase information, sets a password corresponding to each prepaid payment point according to user input, and uses it when purchasing a product. By enabling payment through a password, it is possible to prevent security from being vulnerable due to exposure of authentication information by inputting the same user ID and password each time as in the past.

At this time, the use password described in the present invention may mean a personal identification number (PIN).

In the above configuration, the user device 10 includes a smart phone having a communication function, a portable terminal, a mobile terminal, a personal digital assistant (PDA), a PMP ( Portable Multimedia Player terminal, telematics terminal, navigation terminal, personal computer, notebook computer, slate PC, tablet PC, ultrabook, wearable device (including wearable devices, for example, watch-type terminals (Smartwatch), glass-type terminals (Smart Glass), HMD (Head Mounted Display), etc.), Wibro terminals, IPTV (Internet Protocol Television) terminals, smart TVs, It may include various terminals such as a digital broadcast terminal, an audio video navigation (AVN) terminal, an audio/video (A/V) system, and a flexible terminal.

In addition, as an example of the above-described communication network, wireless LAN (WLAN), DLNA (Digital Living Network Alliance), WiBro (Wireless BroaDB (400) and: Wibro), WiMAX (World Interoperability for Microwave Access: Wimax), GSM ( Global System for Mobile communication), CDMA (Code Division Multi Access), CDMA2000 (Code Division Multi Access 2000), EV-DO (Enhanced Voice-Data Optimized or Enhanced Voice-Data Only), WCDMA (Wideband CDMA), HSDPA (High Speed Downlink Packet Access), High Speed Uplink Packet Access (HSUPA), IEEE 802.16, Long Term Evolution (LTE), Long Term Evolution-Advanced (LTE-A), broadband wireless mobile communication service (Wireless Mobile BroaDB ( 400)and Service: WMBS), Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, Near Field Communication (NFC) ), ultrasound communication (Ultra Sound Communication: USC), visible light communication (Visible Light Communication: VLC), Wi-Fi, Wi-Fi Direct (Wi-Fi Direct), etc. (Power Line Communication: PLC), USB communication, Ethernet (Ethernet), serial communication (serial communication), a wired communication network such as an optical / coaxial cable may be included.

In addition, the payment service providing device 100 and the shopping mall service providing device 200 described above may be implemented in the form of various servers such as a web server, a database server, and a proxy server.

In addition, one or more of a network load balancing mechanism and various software enabling service devices to operate on the Internet or other networks may be installed in each service providing device 100 or 200, and implemented as a computerized system through this. It can be.

Also, the network can be an http network, a private line, an intranet or any other network. Furthermore, the connection between each of the service providing devices 100 and 200 and the user device 10 may be connected through a secure network to prevent data from being attacked by any hacker or other third party. In addition, each service providing device (100, 200) may include a plurality of database servers, and these database servers are separately connected to each service providing device through any type of network connection including a distributed database server architecture. can be implemented

In addition, some of the service providing devices 100 and 200 may be configured as one server, and for example, the payment service providing device 100 may be included in the shopping mall service providing device 200. .

Hereinafter, detailed operation embodiments of the payment service providing apparatus 100 will be described in more detail with reference to the above-described configuration with reference to the following drawings.

2 is a configuration diagram of a payment service providing device 100 according to an embodiment of the present invention, and as shown, the point management unit 110, the payment information receiving unit 120, the authentication unit 130, and the payment processing unit 140 can include

First of all, the point management unit 110 communicates with the user device 10 through a communication network, and includes purchase information for purchasing prepaid payment points to be used for future product purchases and a use password for authentication of use of the prepaid payment points. Payment information can be received.

In addition, the point management unit 110 may generate prepaid payment points according to point payment information, and may provide and store the prepaid payment points corresponding to the member information of the user in the member DB 101 .

In this case, the purchase information included in the point payment information may include information about the amount of prepaid payment points to be purchased and user identification information about the user of the user device 10 .

Here, the user identification information is MDN (Mobile Directory Number) of the user device 10, mobile IP, mobile MAC, Sim (subscriber identity module: subscriber identity module) card-specific information, serial number, or information about a user ID registered at the time of membership registration. can include

Accordingly, the point management unit 110 compares the user identification information with member information stored in the member DB 101 to identify member information corresponding to the user, and generates prepaid payment points corresponding to the amount according to the purchase information to be a member. In the DB (101), it can be stored in correspondence with the member information of the user.

Meanwhile, the point management unit 110 may generate prepaid payment points corresponding to each purchase information in correspondence with different purchase information, and classify and store each prepaid payment point.

In other words, the point manager 110 may separate and store the prepaid payment points generated according to the recently received purchase information in the prepaid payment points paid to the user according to the existing purchase information without accumulating them.

For example, the point management unit 110 may separate, pay, and store the prepaid payment point 1 generated for purchase information 1 and the prepaid payment point 2 generated for purchase information 2 without summing them together.

In addition, the point management unit 110 may set a use password included in point payment information including purchase information to a prepaid payment point generated according to purchase information included in point payment information.

Accordingly, the point management unit 110 may set different use passwords corresponding to different prepaid payment points. At this time, it goes without saying that the same use password may be set corresponding to different prepaid payment points according to user input.

Meanwhile, when the user device 10 accesses the online shopping mall server 210 and purchases a product, or the user visits an offline shopping mall and purchases a product, the payment information receiving unit 120 uses the online shopping mall server 210 or POS device Payment information corresponding to a product purchased by the user may be received from the shopping mall service providing apparatus 200 including (220).

Accordingly, the payment processing unit 140 may transmit point holding status information about the user's prepaid payment point holding status to the user device 10 upon receipt of the payment information, and among one or more prepaid payment points based on the point holding status information. Selection information on prepaid payment points selected according to user selection may be received, and prepaid payment points corresponding to the selection information may be extracted.

At this time, the payment processing unit 140 may provide information about the extracted prepaid payment points to the authentication unit 130 when extracting the prepaid payment points.

Accordingly, the authentication unit 130 extracts a use password set in correspondence with the prepaid payment point to be used for product purchase from the member DB 101, and receives a password required for authentication of the use of the prepaid payment point from the user device 10. can

At this time, after the payment processing unit 140 transmits the point possession status information, the authentication unit ( 130) may be provided.

Thereafter, the authentication unit 130 compares the password received from the user device 10 with the password set in correspondence with the prepaid payment point to be used for product purchase, and determines that authentication is successful when they match.

In addition, the payment processing unit 140 may interwork with the authentication unit 130 to process payment according to payment information using the prepaid payment point selected by the user when authentication for use of the prepaid payment point selected by the user is successful.

At this time, the payment processing unit 140 may perform payment processing by communicating with various payment-related servers such as a VAN company server, a card company server, a communication company server, and the like.

In addition, the point management unit 110 can perform payment processing according to the above-mentioned point payment information by communicating with the above-described payment-related server through linkage with the payment processing unit 140 when purchasing prepaid payment points, and the payment processing unit 140 Upon completion of payment processing of ), the point management unit 110 may generate prepaid payment points as much as the point amount corresponding to the point payment information, pay them in correspondence with the user, and then store them.

Next, the payment processing unit 140 may generate payment processing result information for the payment processing result and transmit it to the shopping mall service providing device 200, and may also transmit the payment processing result information to the user device 10.

Some of the components constituting the above-described payment service providing device 100 may be included in other components, and for example, the authentication unit 130 may be included in the payment processing unit 140.

In addition, the shopping mall service providing device 200 receives selection information about a prepaid payment point to be used for product purchase from the user device 10, and includes the selection information in the payment information when generating payment information, thereby providing the payment service providing device 100 can also be sent to

Accordingly, the payment processing unit 140 identifies the prepaid payment point corresponding to the selection information on the basis of the selection information included in the payment information, and interlocks with the authentication unit 130 to enter the password corresponding to the identified prepaid payment point. Payment processing according to payment information may be performed using the prepaid payment point identified when authentication is successful through the above-described authentication.

According to the configuration described above, the present invention supports the user to set different use passwords for different prepaid payment points when pre-purchasing prepaid payment points available for product purchase and then using them for product purchase later, and prepay based on this. Security vulnerabilities due to repeated use of the same authentication information can be improved by enabling use authentication for the payment point.

3 is an operational configuration diagram of a payment processing service system using cyber money according to the configuration of the payment service providing device 100 described above.

As shown, the user device 10 may connect to the payment service providing device 100 and purchase prepaid payment points for a desired amount of points, and at this time, different use passwords may be set for each purchased prepaid payment point.

The payment service providing device 100 receives point payment information including purchase information for the amount of points to be purchased from the user device 10 and a use password to be set for prepaid payment points, and performs payment processing according to the point payment information. After that, prepaid payment points according to the purchase information corresponding to the user may be created and paid, and stored in the member DB 101.

Also, the shopping mall service providing device 200 may generate purchase points according to the user's product purchase, and may transmit product purchase information including the purchase points to the payment service providing device 100 .

Accordingly, the point management unit 110 configured in the payment service providing device 100 may accumulate purchase points according to product purchase information by matching them to member information corresponding to a user in the member DB 101 .

In this case, the point management unit 110 configured in the payment service providing device 100 may manage purchase points separately from prepaid payment points.

Accordingly, the payment processing unit 140 configured in the payment service providing device 100 may interwork with the authentication unit 130 when using purchase points for product purchase, and the authentication unit 130 may use the points in the member DB 101. Authentication information including a user ID and password set in advance for authentication may be extracted and compared with authentication information received from the user device 10 to determine whether authentication is successful.

Thereafter, the payment processing unit 140 may process payment according to the payment information for the product purchased by the user using the purchase points accumulated upon successful authentication.

In this case, the product purchase information may include affiliate store identification information for an affiliate store corresponding to the shopping mall service providing apparatus 200 .

Accordingly, the payment service providing device 100 may match the user's member information in the member DB 101 based on the product purchase information received from the shopping mall service providing device 200 and store the product purchase information.

At this time, the payment service providing device 100 may accumulate and store purchase points generated for the same affiliate store in correspondence with the user based on the affiliate store identification information included in the product purchase information.

Through this, the purchase points generated through the user's product purchase may be separately applied to each member store.

Meanwhile, the point management unit 110 configured in the payment service providing device 100 may generate and transmit point holding status information on the point holding status to the user device 10 through a communication network.

Accordingly, as shown in FIG. 4 , the user device 10 may display the point possession status information through the display unit configured in the user device 10 upon receiving the point holding status information.

At this time, the user device 10 may display information about purchase points and prepaid payment points included in the point holding status information.

In addition, when the user device 10 receives the point holding status information from the payment service providing device 100, the prepaid payment to be used for product purchase among different prepaid payment points generated through different purchase information included in the point holding status information A user's selection input for points may be received, and selection information may be generated and transmitted to the payment service providing device 100 accordingly.

At this time, the user device 10 may be composed of various components such as an input unit, a display unit, a communication unit, a storage unit, a voice output unit, and a control unit.

The input unit receives a signal according to the user's button operation or selection of an arbitrary function, or receives a command or control signal generated by a manipulation such as touching/scrolling a displayed screen, or responds to information input by the user. It receives the signal to be sent to the key pad, dome switch, touch pad (static/capacitance), touch screen, jog wheel, jog switch, jog shuttle, mouse ( A variety of devices such as a mouse, a stylus pen, and a touch pen may be used.

In addition, the display unit may display various contents such as various menu screens using a user interface and/or a graphic user interface stored in the storage unit under the control of the controller. Here, the content displayed on the display unit includes various text or image data (including various information data) and a menu screen including data such as icons, list menus, and combo boxes. Also, the display unit may be a touch screen.

In this case, a touch sensor for detecting a user's touch gesture may be included. The touch sensor may be one of various types such as a capacitive type, a resistive type, a piezoelectric type, and the like. In the case of an electrostatic touch screen, touch coordinates are calculated by detecting microelectricity excited by the user's body when a part of the user's body touches the touch screen surface using a dielectric coated on the surface of the touch screen. In the case of a resistive touch screen, two electrode plates are embedded in the touch screen, and when the user touches the screen, the upper and lower electrode plates at the touched position are contacted and current flows. This flow of current is sensed and touch coordinates are calculated.

In addition, the user device 10 may support a pen input function, and in this case, a user's gesture using an input means such as a pen, which is not part of the user's body, may be detected. For example, when the input means is a stylus pen including a coil therein, the user device 10 may include a magnetic field detection sensor for detecting a magnetic field changed by the coil inside the stylus pen. In this case, not only the user's touch gesture but also the user's proximity gesture such as hovering may be detected.

In addition, the display unit includes a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), and a flexible display. , 3D display (3D display), e-ink display (e-ink display), it can be implemented in the form of at least one of LED (Light Emitting Diode), and can include a driving circuit, a backlight unit, etc. for this together .

Also, the display unit may be configured as a 3D display unit for displaying a 3D image.

A 3D display method such as a stereoscopic method (glasses method), an auto stereoscopic method (non-glasses method), and a projection method (holographic method) may be applied to the 3D display unit.

In addition, the display unit displays the credit card number of the mobile card (or mobile credit card, check card, prepaid card, etc.) issued by the payment related server under the control of the controller.

The audio output unit outputs audio information included in the signal subjected to predetermined signal processing by the control unit. Here, the audio output unit may include a receiver, a speaker, a buzzer, and the like.

In addition, the audio output unit outputs the guidance audio generated by the control unit.

In addition, the audio output unit outputs audio information corresponding to a credit card number of a mobile card (or including a mobile credit card, check card, prepaid card, etc.) issued by the payment related server by the control unit.

The communication unit communicates with any internal component or at least one external terminal through a wired/wireless communication network. In this case, any external terminal may include a network service system, a server, and the like.

In addition, the communication unit is wireless LAN (WLAN), DLNA (Digital Living Network Alliance), WiBro (Wireless BroaDB (400) and: Wibro), WiMAX (World Interoperability for Microwave Access: Wimax), GSM (Global System for Mobile) communication), Code Division Multi Access (CDMA), Code Division Multi Access 2000 (CDMA2000), Enhanced Voice-Data Optimized or Enhanced Voice-Data Only (EV-DO), Wideband CDMA (WCDMA), High Speed Downlink Packet Access (HSDPA) ), HSUPA (High Speed Uplink Packet Access), IEEE 802.16, Long Term Evolution (LTE), LTE-A (Long Term Evolution-Advanced), broadband wireless mobile communication service (Wireless Mobile BroaDB (400) and Service : WMBS), Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, Near Field Communication (NFC), Ultrasonic Communication Wireless communication methods such as Ultra Sound Communication (USC), Visible Light Communication (VLC), Wi-Fi, and Wi-Fi Direct may be supported. In addition, the communication unit 160 may support wired communication methods such as power line communication (PLC), USB communication, Ethernet, serial communication, and optical/coaxial cables.

The control unit executes overall control functions of the user device 10 using programs and data stored in the storage unit. The control unit may include RAM, ROM, CPU, GPU, and a bus, and the RAM, ROM, CPU, and GPU may be connected to each other through a bus. The CPU may access the storage unit, perform booting using an O/S (Operating System) stored in the storage unit, and perform various operations using various programs, contents, data, etc. stored in the storage unit. .

In addition, the storage unit stores data and programs necessary for the user device 10 to operate.

That is, the storage unit may store a plurality of application programs (application programs or applications) running in the user device 10 , data for operating the user device 10 , and commands. At least some of these application programs may be downloaded from an external server through wireless communication. In addition, at least some of these application programs may exist on the user device 10 from the time of shipment for basic functions of the user device 10 (eg, incoming and outgoing calls, outgoing functions, message receiving, and outgoing functions). Meanwhile, the application program may be stored in the user device storage unit, installed in the user device 10, and driven by the user device control unit to perform an operation (or function) of the user device 10.

In addition, the storage unit is a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (eg, SD or XD memory, etc.), a magnetic memory, a magnetic disk, an optical disk, RAM (RAM), SRAM, ROM ( ROM), EEPROM, and PROM may include at least one storage medium. In addition, the user device 10 may operate a web storage that performs a storage function of a user device storage unit on the Internet, or may operate in relation to the web storage.

In addition, the storage unit stores credit card numbers of mobile cards (or mobile credit cards, check cards, prepaid cards, etc.) issued by the payment related server under the control of the controller.

In addition, the user device 10 may further include an interface unit (not shown) that serves as an interface with all external devices connected to the user device 10 .

For example, the interface unit includes a wired/wireless headset port, an external charger port, a wired/wireless data port, a memory card port, a port connecting a device having an identification module, audio I/O ( Input/Output) port, video I/O (Input/Output) port, earphone port, etc. Here, the identification module is a chip storing various information for authenticating the right to use the user device 10, and includes a user identity module (UIM), a subscriber identity module (SIM), and universal user authentication. module (Universal Subscriber Identity Module: USIM), etc. may be included. In addition, a device equipped with an identification module may be manufactured in the form of a smart card. Accordingly, the identification module may be connected to the user device 10 through the port. Such an interface unit receives data or power from an external device and transmits it to each component inside the user device 10 or transmits data inside the user device 10 to the external device.

In addition, when the user device 10 is connected to an external cradle, the interface unit becomes a passage through which power from the cradle is supplied to the corresponding user device 10, or various command signals input from the cradle by the user are transmitted to the corresponding user device. It can be a passage that is delivered to (10). Various command signals or corresponding power input from the cradle may operate as signals for recognizing that the user device 10 is correctly mounted on the cradle.

In addition, the user device 10 has an input unit for receiving a command or control signal generated by a user's manipulation of a button or selection of an arbitrary function, or a manipulation such as touching/scrolling a displayed screen ( not shown) may be further included.

Meanwhile, when purchasing a product through the shopping mall service providing device 200, the user selects a prepaid payment point to be used for product purchase through the shopping mall service providing device 200, and prepaid payment used for product purchase in the shopping mall service providing device 200. Payment information including point selection information may be generated and transmitted to the payment service providing device 100 .

Through this, the payment service providing device 100 may process payment by using the prepaid payment point selected through the selection information to purchase a product.

Referring to an embodiment of this in detail with reference to FIG. 5 , when the shopping mall service providing device 200 is composed of the online shopping mall server 210, the product information corresponding to the product information selected by the user device 10 connected to purchase the product is provided. Payment information may be generated and transmitted to the payment service providing device 100 .

In addition, when the shopping mall service providing device 200 is composed of the POS device 220 configured in an offline shopping mall, payment information according to offline product purchase may be generated and transmitted to the payment service providing device 100 .

At this time, the shopping mall service providing device 200 selects whether to use a prepaid payment point as a payment method to be used for product purchase from the user device 10 when payment information is generated and which prepaid payment point to be used for product purchase among one or more prepaid payment points. Selection information on a prepaid payment point to be used for purchasing a product may be generated based on information received or a user input.

For example, the shopping mall service providing device 200 transmits user identification information corresponding to the user device 10 to the payment service providing device 100 when the prepaid payment point of the user device 10 is used, and the payment service providing device 100 ) may create point holding status information for prepaid payment points and purchase points stored in the member DB 101 by matching with member information corresponding to user identification information and transmit it to the shopping mall service providing device 200 .

Accordingly, the shopping mall service providing device 200 receives the point holding status information from the payment service providing device 100, provides the point holding status information to the user or the user device 10, and provides the point holding status information included in the point holding status information. Among different prepaid payment points, selection information about a prepaid payment point that the user intends to use for purchasing a product may be received.

For example, as shown in FIG. 4 , the shopping mall service providing apparatus 200 may receive selection information about a prepaid payment point corresponding to point 1 among various prepaid payment points prepaid by the user.

Accordingly, the shopping mall service providing device 200 generates payment information for the product purchased by the user, and when the payment information is generated, the payment method information for the prepaid payment point (point 1) selected by the user as the payment method is transferred to the corresponding payment information can be included.

Also, the shopping mall service providing device 200 may transmit payment information to the payment service providing device 100 .

On the other hand, the payment service providing device 100 checks the product value according to the product information based on the product information and payment method information included in the payment information, and transfers the prepaid payment point (point 1) corresponding to the payment method information to the member DB It is identified from (101), and the amount of points corresponding to the product value can be deducted from the prepaid payment point (point 1) selected according to the payment method information.

At this time, the payment service providing device 100 may transmit authentication interface information for authentication of use of the prepaid payment point (point 1) to the user device 10 when making a payment using the prepaid payment point (point 1) according to the product value.

Accordingly, when receiving authentication interface information, the user device 10 may load an authentication related interface according to the corresponding authentication interface information, receive a password according to a user input, and transmit it to the payment service providing device 100 .

Thereafter, the payment service providing device 100 may authenticate by comparing the password received from the user device 10 with the preset use password corresponding to the corresponding prepaid payment point (point 1), and when authentication is successful, the value of the product Payment can be processed using prepaid payment points according to

For example, as shown in FIG. 4 , the payment service providing device 100 extracts PIN 1, which is a preset use password corresponding to point 1, which is one of a plurality of prepaid payment points, from the member DB 101, and the user device If the password received from (10) and the corresponding PIN 1 are matched, it can be determined that authentication is successful.

On the other hand, the payment service providing device 100 stores the remaining points as a point separated from other prepaid payment points and purchase points when some remaining points exist after deduction through product payment from the corresponding prepaid payment points (point 1), or In addition, the remaining points may be converted into purchase points accumulated through product purchase and accumulated in existing purchase points.

Meanwhile, in the above configuration, the payment service providing device 100 may directly transmit point holding status information to the user device 10 when receiving payment information.

Accordingly, the payment service providing device 100 may receive selection information about prepaid payment points to be used for product payment from the user device 10 as response information in response to the point holding status information.

At this time, the response information may include selection information on a prepaid payment point to be used for product payment and a password for authentication of use of the corresponding prepaid payment point.

In addition, in the above configuration, the shopping mall service providing device 200 receives a password corresponding to a prepaid payment point to be used for product purchase based on user input or communication with the user device 10, and includes it in payment information to provide payment service. Accordingly, the payment service providing device 100 may compare the use password corresponding to the prepaid payment point to be used for product purchase with the password included in the payment information to confirm authentication.

On the other hand, the payment processing unit 140 may generate payment processing result information on the payment processing result according to product payment and transmit it to the shopping mall service providing device 200, and may also transmit the payment processing result information to the user device 10. .

In the configuration described above, the payment service providing device 100 may allow the user to designate a category for use of the prepaid payment point when purchasing the prepaid payment point.

Through this, when a parent purchases a prepaid payment point for a child's school supplies or school fees, the use of the prepaid payment point can be limited so that the parent can use the prepaid payment point only for the intended purpose, so that the child can go beyond the intended use. It is possible to prevent indiscriminate use of prepaid payment points within the range.

The configuration for this will be described through FIG. 6 with reference to the detailed configuration of the payment service providing device 100 of FIG. 2 . As shown, the point management unit 110 configured in the payment service providing device 100 is a ) can receive purchase information on the purchase of prepaid payment points as described above.

In the above configuration, the point manager 110 may transmit purchase interface information for purchasing prepaid payment points to the user device 10, and the user device 10 may load the purchase interface based on the purchase interface information, When purchasing prepaid payment points based on user input through the corresponding purchase interface, point payment information may be generated by setting a point amount, a use password, and a category for use, and then transmitted to the payment service providing device 100 .

In this case, the user device 10 may generate corresponding point payment information by setting a selection category selected according to a user input from among a plurality of categories preset for a purpose of use in the purchase interface information.

Meanwhile, the point management unit 110 may receive point payment information including purchase information and category information about the purpose of use of the purchased prepaid payment points from the user device 10 .

Thereafter, the point management unit 110 matches and stores the prepaid payment points generated according to the point amount included in the point payment information in the member DB 101 with the member information of the user, and stores the password used for the prepaid payment point and the user information. It is possible to set and save the selection category for the purpose of use selected by

On the other hand, when the payment information receiving unit 120 configured in the payment service providing device 100 receives payment information according to product purchase from the shopping mall service providing device 200, it transfers it to the payment processing unit 140 configured in the payment service providing device 100. can provide

The payment processing unit 140 may identify a category according to the product information by extracting product information included in the corresponding payment information.

At this time, the payment service providing device 100 may receive product information from the shopping mall service providing device 200, set a category corresponding to each product information, and store it in the product DB 102, through which the payment processing unit 140 ) may identify a category corresponding to the product information included in the payment information based on the corresponding product DB 102 .

In addition, the payment processing unit 140 receives from the user device 10 or the payment method information included in the payment information among the prepaid payment points matched to the member information corresponding to the user identification information included in the payment information in the member DB 101. Based on the selected selection information, a prepaid payment point to be used for product purchase may be identified, and a selection category set for the identified prepaid payment point may be extracted.

Thereafter, the payment processing unit 140 compares the use password set in the prepaid payment point with the password received from the user device 10 or the password included in the payment information, and if authentication is successful, a category according to product information and a selection category are further selected. It may be compared to determine whether they match, and if they match, it may be determined that authentication is finally successful.

For example, as shown, the payment processing unit 140 identifies 'stationery', which is a selection category set in prepaid payment point 1 that the user wants to use for product payment, and selects a product according to product information included in payment information. It is determined whether it corresponds to the category 'stationery', and when it corresponds to the selected category, it may be determined that authentication is successful.

That is, the payment processing unit 140 may perform payment when all authentications for the use password set in the prepaid payment point and the selected category are successful.

Next, the payment processing unit 140 performs payment processing for the product purchased by the user according to the above-described configuration, and deducts points corresponding to the value of the purchased product from prepaid payment points matched with member information to process payment there is.

Through the above configuration, the present invention can provide prepaid payment points purchased through prepaid payment to be used like a gift certificate corresponding to a specific purpose, and can provide cyber money for various products without securing additional affiliates. It can be provided so that product purchases using prepaid payment points can be made, so the utilization of cyber money can be increased.

Meanwhile, in the present invention, in addition to using prepaid payment points purchased through prepaid payment for product purchase, the purchase points provided by the shopping mall service providing device 200 according to product purchase are merged with prepaid payment points and provided so that they can be used. Utilization can be increased, which will be described in detail with reference to FIG. 7 .

As shown, the point management unit 110 accumulates (adds) some of the various prepaid payment points generated through prepaid payment to the purchase points accumulated according to product purchase according to the selection of the user device 10 to obtain purchase points. can increase

In addition, the payment processing unit 140 interlocks with the authentication unit 130 to transmit authentication information including the user's member ID and password set when the user signs up for membership when using purchase points for payment for purchased products from the user device 10. When the user input information including the received member ID and password is compared and authenticated, payment for the product may be processed using the purchase point.

At this time, the payment processing unit 140 may process the payment by deducting the points corresponding to the product price from the purchase points accumulated in correspondence with the member information of the user when paying for the product.

In addition, in the above configuration, the shopping mall service providing device 200 selects a purchase point as a payment method based on the selection information received from the user device 10 and provides payment information including payment method information for the purchase point as a payment service. It may be transmitted to the providing device 100 so that payment processing is performed.

In addition, the payment service providing device 100 may use purchase points for product payment based on the selection information received from the user device 10 .

According to the configuration described above, the present invention can support the purchase of a product by adding the prepaid payment point and the purchase point accumulated according to the existing product purchase when the prepaid payment point is insufficient when processing the payment for the product. User convenience according to the use of points can be greatly improved.

Meanwhile, the payment service providing apparatus 100 according to the present invention can increase the utilization of prepaid payment points by summing prepaid payment points generated according to different purchase information, which will be described in detail based on the configuration of FIG. 8 .

8 is an exemplary view of an operation for summing prepaid payment points of the payment service providing device 100 according to an embodiment of the present invention. As shown, the point management unit 110 of the payment service providing device 100 stores purchase information 1 Selection categories set for point 1, which is a prepaid payment point generated according to the above, and point 2, which is a prepaid payment point generated according to purchase information 2 different from purchase information 1, may be compared with each other.

Thereafter, the point management unit 110 of the payment service providing device 100 may generate a single prepaid payment point (single point) by adding up point 1 and point 2 when the selection categories respectively set for point 1 and point 2 are the same. there is.

At this time, the point management unit 110 of the payment service providing device 100 may selectively add up point 1 and point 2 based on the selection information received from the user device 10 .

Through this, the user can easily purchase a product at a price that is difficult to purchase with the previously individually stored prepaid payment points by using the prepaid payment points that have been summed up, and through this, the utilization of the prepaid payment points can be increased.

Meanwhile, in the above-described configuration, the point management unit 110 of the payment service providing device 100 resets the use password for a single prepaid payment point from the user device 10 or uses any one of the use passwords set for point 1 and point 2, respectively. can be selected according to the user's selection, and a use password can be set in correspondence with the corresponding single prepaid payment point.

Meanwhile, the point management unit 110 configured in the payment service providing device 100 in the above configuration further receives setting information about the usage period of each prepaid payment point from the user device 10, and based on the setting information, the point management unit 110 A usage period can be set in correspondence with prepaid payment points.

Accordingly, the payment processing unit 140 configured in the payment service providing device 100 checks whether or not it is within the usage period set in the prepaid payment point when processing payment for a product using any one of one or more prepaid payment points, and if it is within the usage period Only normal payments can be processed.

Through this, the present invention allows the user of the prepaid payment point designated by the user who has purchased the prepaid payment point to limit the purpose and period of use, so that the user can use the prepaid payment point within the purpose and period desired by the user. can support you to do so.

That is, in the present invention, parents pay prepaid payment points to their children in the concept of pocket money, and the child's prepaid payment points are used within the purpose and period of use intended by the parents, so that the parents do not intend to purchase products that are not intended. It can be supported to prevent payment or payment outside the usage period.

Meanwhile, a product described in the present invention may mean not only goods but also various services such as services.

In addition, as described above, even if the prepaid payment point is set as an individual use password, the payment service providing device 100 releases the restriction when the balance falls below a certain level, exceeds a set time, or the payer who purchases the prepaid payment point releases the restriction. If so, the corresponding prepaid payment points can be converted into purchase points accumulated according to the purchase of the above-mentioned products.

In this way, when the use is restricted or the type of payment is restricted, it is possible to manage the expenditure item for a kind of cyber pocket money, and the convenience of payment can also be increased by using the same password for the corresponding use.

As a result, the present invention can use the same cyber money, but can use different authentication methods or integrate them according to the point acquisition method, and can also selectively limit the use, so that the function of limited-use gift certificates such as cultural gift certificates and restaurant gift certificates can be accommodated, and the balance can be managed in an integrated way, so the use of cyber money can be expanded and user convenience can be enhanced.

In addition, according to the configuration described above, the present invention can generate a prepaid payment point corresponding to member information in the parent's name, and support the child to use it only by inputting a simple password and user identification information corresponding to the parent.

For example, the child inputs the user identification information (eg, phone number) corresponding to the user device 10 in the parent's name and the password for using the prepaid payment point to the POS device 220 installed in the offline store in the offline store. And, when the payment service providing device 100 receives payment information including the password and user identification information received from the POS device 220, it uses prepaid payment points in parental member information corresponding to the user identification information Payment convenience for minors can be greatly improved as payment can be made for products purchased by children.

At this time, if there are a plurality of prepaid payment points as needed, the child can select a desired prepaid payment point, and the payment service providing device 100 based on the payment method information included in the payment information received from the POS device 220 The prepaid payment point selected by the child may be recognized, and payment processing may be performed using the selected prepaid payment point.

As another example, when a child purchases a product from the online shopping mall server 210 with his/her user device 10, the payment service providing device 100 provides the parent's user identification information and password from the online shopping mall server 210. After receiving payment information including selection information on the prepaid payment point to be used for product payment, and identifying the prepaid payment point selected according to the selection information among the prepaid payment points matched with the member information corresponding to the parent's user identification information, the child When authentication is successful according to whether the password entered by the user and the used password corresponding to the prepaid payment point match, the payment processing described above may be performed.

In the above configuration, when the type of prepaid payment point paid to the child is single, selection information may be omitted from the payment information.

In addition, in the above configuration, the payment service providing device 100 responds to the user identification information included in the payment information to query information for selecting a prepaid payment point to be used for product payment from among a plurality of different prepaid payment points when receiving payment information. It is possible to transmit to the user device 10, receive selection information about the prepaid payment point to be used for product payment from the user device 10, and process product payment using the prepaid payment point corresponding to the selection information. there is. In this case, the query information may include payment information.

That is, the payment service providing device 100 transmits query information to the parent's user device 10 when a child purchases a product, provides a prepaid payment point to be used for product purchase, and allows parents to select a prepaid payment point to be used for the child's product purchase. By selecting a prepaid payment point, an appropriate prepaid payment point corresponding to a child's product purchase can be selected.

Through this, the child can easily use the prepaid payment points received from the parent only with the parent's user identification information (eg, phone number) and password, and there is no need to inform the child of the parent's member ID and password, so the parent's name (Authentication information) can be prevented from being stolen.

In addition, parents can conveniently supervise the management of pocket money for their children, and can ensure that prepaid payment points are used only within a designated purpose and period.

On the other hand, the present invention converts the remaining points into purchase points accumulated according to the product purchase when the child misses the use period or the remaining points due to the deduction of prepaid payment points for product purchase, so that the parents can use their authentication information By making it available as a basis, it is possible to increase point liquidity and utilization.

As described above, the present invention supports users to use prepaid payment points corresponding to cyber money, such as gift certificates, and prevents authentication information from being exposed by setting different passwords for each different prepaid payment point. Security can be strengthened according to this, and at the same time, the convenience of using points can be greatly improved.

In addition, the present invention limits the purpose and period of use of the prepaid payment point for the subject of use of the prepaid payment point designated by the user so that the prepaid payment point is used only within the purpose and period of use, and at the same time, the user's authentication information It is possible to support the use of the prepaid payment point by the user easily by using the password set in the prepaid payment point without the need to notify the user, preventing the user's authentication information from being stolen and at the same time using the user's intended purpose and use of the prepaid payment points within the deadline, it is possible to greatly improve the user's management convenience for the prepaid payment points.

In addition, according to the present invention, prepaid payment points can be easily added to purchase points generated and accumulated according to product purchases, and through this, the utilization and liquidity of prepaid payment points can be greatly improved.

9 is a payment service providing method using cyber money of a shopping mall service providing device 200 of a shopping mall providing products according to an embodiment of the present invention and a payment service providing device 100 connected to a user device 10 through a communication network. is a flow chart for

As shown, the payment service providing device 100 is a point payment including purchase information for purchasing prepaid payment points used for product payment from the user device 10 and a use password for authentication of use of the prepaid payment points. information can be received.

Thereafter, the payment service providing device 100 generates prepaid payment points according to the point payment information, pays them corresponding to the user (S1), and sets a use password according to the point payment information in correspondence to the paid prepaid payment points. (S2).

Next, the payment service providing device 100 may receive payment information including point selection information corresponding to a purchased product from the shopping mall service providing device 200 (S3).

Thereafter, the payment service providing device 100 identifies a prepaid payment point to be used for payment for a purchased product among prepaid payment points based on the point selection information included in the payment information (S4), and sets the set corresponding to the identified prepaid payment point. Authentication success may be determined according to whether the used password and the password received from the user device 10 are compared (S5) (S6).

Next, when authentication is successful, the payment service providing device 100 may process payment according to the payment information using the prepaid payment point (S7).

The above-described user devices, service providing devices, POS devices, and various servers may be implemented as hardware components, software components, and/or a combination of hardware components and software components.

In addition, the components described in the embodiments may include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable array (FPA), and a programmable logic unit (PLU). unit, microprocessor, or any other device capable of executing and responding to instructions.

User devices, service providing devices, POS devices, and various servers may execute an operating system (OS) and one or more software applications executed on the operating system. In addition, user devices, service providing devices, POS devices, and various servers may access, store, manipulate, process, and create data in response to software execution.

For convenience of understanding, there are cases where each component is described as being used, but those skilled in the art will understand that a processing device is a plurality of processing elements and/or a plurality of types of processing. It can be seen that elements can be included.

For example, a user device, a service providing device, a POS device, and various servers may include a plurality of processors or one processor and one controller. Other processing configurations are also possible, such as parallel processors.

The software may include a computer program, code, instructions, or a combination of one or more of these, and may cause user devices, service providing devices, POS devices, and various servers to operate as desired or independently. can be ordered either individually or collectively.

The software and/or data may be interpreted by user devices, service providing devices, POS devices and various servers, or to provide instructions or data to user devices, service providing devices, POS devices and various servers, in any type of machine, configuration. It can be permanently or temporarily embodied in a component, physical device, virtual equipment, computer storage medium or device, or transmitted signal wave.

Software may be distributed on networked computer systems and stored or executed in a distributed manner. Software and data may be stored on one or more computer readable media.

The payment service providing method using cyber money according to an embodiment of the present invention can be written as a computer program, and codes and code segments constituting the computer program can be easily inferred by a computer programmer in the related field. In addition, the corresponding computer program is stored in computer readable media, and is read and executed by a computer or a payment service providing device or user device according to an embodiment of the present invention, thereby enabling payment using cyber money. A service provision method can be implemented.

Information storage media include magnetic recording media, optical recording media, and carrier wave media. A computer program implementing the payment service providing method using cyber money according to an embodiment of the present invention may be stored and installed in a built-in memory of a payment service providing device or a user device. Alternatively, an external memory such as a smart card storing and installing a computer program implementing the payment service providing method using cyber money according to an embodiment of the present invention may be mounted on a payment service providing device or a user device through an interface.

The various devices and components described herein may be implemented by hardware circuitry (eg, CMOS-based logic circuitry), firmware, software, or combinations thereof. For example, it may be implemented using transistors, logic gates, and electronic circuits in the form of various electrical structures.

The foregoing may be modified and modified by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention, but to explain, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be construed according to the claims below, and all technical ideas within the equivalent range should be construed as being included in the scope of the present invention.

The present invention supports users to use prepaid payment points corresponding to cyber money, such as gift certificates, and sets different passwords for each different prepaid payment point to prevent authentication information from being exposed, thereby improving security according to point use. It can be strengthened and can greatly improve the convenience of using points, and can be widely used in the field of online shopping mall service systems, coupon or point service systems, payment service systems for offline stores, and marketing service systems. .

10: user device 100: payment service providing device
110: point management unit 120: payment information receiving unit
130: authentication unit 140: payment processing unit
200: shopping mall service providing device
210: online shopping mall server 220: POS device

Claims (11)

Receives point payment information including purchase information for purchasing prepaid payment points from a user device and use password for authentication of use of the prepaid payment points, and responds to the user by generating the prepaid payment points according to the point payment information a point management unit configured to pay and set the use password corresponding to the prepaid payment point;
a payment information receiving unit that receives payment information including product information about a user's purchased product and selection information about a prepaid payment point to be used for payment of the purchased product from a shopping mall service providing device that provides product information;
Authenticating the use of the prepaid payment point by comparing a password received from the user device or included in the payment information with a password set corresponding to a prepaid payment point to be used for purchasing the product among the prepaid payment points when receiving the payment information authentication department; and
When making a payment according to the payment information, a prepaid payment point corresponding to the selection information included in the payment information is extracted, and when authentication for use of the prepaid payment point is successful in conjunction with the authentication unit, the prepaid payment point is used to make the payment. It includes a payment processing unit that processes payment according to information,
The point management unit designates a selection category selected by the user among preset product categories as the purpose of using the prepaid payment points, classifies and manages each prepaid payment point purchased according to different purchase information, and manages each prepaid payment point. Set the use password and the selected category received from the user device in correspondence with, but if the selected category of each prepaid payment point purchased according to different purchase information is the same, add them to obtain a single prepaid payment point for a specific category. After creation, set a use password for the use of the single prepaid payment point,
The payment processing unit interlocks with the authentication unit to further determine whether the product corresponding to the payment information corresponds to the selection category of the prepaid payment point corresponding to the selection information included in the payment information to determine whether the authentication succeeds ,
The point management unit receives information about purchase points according to the user's product purchase from the shopping mall service providing device, stores the prepaid payment points separately from the prepaid payment points corresponding to the user, and uses the accumulated purchase points by the user. Save the set authentication information,
The payment processing unit provides retention status information on the retention status of the purchase points and prepaid payment points corresponding to the user to the user device, and user input information received from the user device when processing payment for the payment information. When payment is processed by summing the purchase points and the prepaid payment points according to the above, authentication is performed using the authentication information and the user input information in conjunction with the authentication unit, and authentication using the authentication information and the user input information If successful, payment is processed according to the payment information using points generated by adding the purchase points and the prepaid payment points,
The payment processing unit deducts the points used for payment according to the payment information from the prepaid payment points, and if there are remaining points, converts the remaining points into the purchase points and accumulates them corresponding to the user A payment service providing device using cyber money. delete delete delete delete delete delete delete A shopping mall service of a shopping mall that generates and transmits point payment information including purchase information for purchase of prepaid payment points used for product payment and use password for authentication of use of the prepaid payment points, and transmits the product through a communication network. a user device that transmits selection information about a prepaid payment point to be used for payment of a purchase product selected according to a user input to the providing device; and
Receiving the point payment information, generating the prepaid payment points according to the point payment information, and paying the prepaid payment points corresponding to the user, and receiving payment information including the selection information corresponding to the purchased product from the shopping mall service providing device; Based on the selection information included in the payment information, the use password set in correspondence with the prepaid payment point selected to be used for payment for the purchased product among the prepaid payment points and the password received from the user device or included in the payment information A payment service providing device that authenticates use of the selected prepaid payment point through comparison and, when authentication is successful, performs payment processing according to the payment information using the selected prepaid payment point,
The payment service providing device,
Designate a selection category selected by the user among preset product categories as the use of the prepaid payment points, classify and manage each prepaid payment point purchased according to different purchase information, and respond to each prepaid payment point to the user The use password and the selected category received from the device are set, but if the selected categories of each prepaid payment point purchased according to different purchase information are the same, they are summed to create a single prepaid payment point for a specific category. A use password for the use of a single prepaid payment point is set, and the authentication is successful by further determining whether the product corresponding to the payment information corresponds to the selection category of the prepaid payment point corresponding to the selection information included in the payment information. determine whether or not, receive information on purchase points according to the user's product purchase from the shopping mall service providing device, and store the prepaid payment points separately from the prepaid payment points corresponding to the user and provide the user with the accumulated purchase points for use. stores authentication information set by the user device, provides possession status information on the possession status of the purchase points and prepaid payment points corresponding to the user to the user device, and receives the payment information from the user device when payment is processed. When payment is processed by summing the purchase points and the prepaid payment points according to one user input information, authentication using the authentication information and the user input information is performed, and if authentication using the authentication information and the user input information succeeds, Payment is processed according to the payment information using points generated by adding the purchase points and the prepaid payment points, and the remaining points after deducting the points used for payment according to the payment information from the prepaid payment points exist In this case, the remaining points are converted into the purchase points and accumulated in correspondence with the user. A payment service providing method using cyber money of a shopping mall service providing device of a shopping mall providing products and a payment service providing device connected to a user device through a communication network, the method comprising:
Receiving point payment information including purchase information for purchase of prepaid payment points used for product payment from a user device and use password for authentication of use of the prepaid payment points;
generating the prepaid payment points according to the point payment information, providing payment corresponding to the user, and setting the use password corresponding to the paid prepaid payment points;
receiving, from the shopping mall service providing device, payment information including product information about a user's purchased product and selection information on a prepaid payment point to be used for payment of the purchased product; and
Based on the selection information included in the payment information, a prepaid payment point to be used for payment for the purchased product is identified, and a use password set in correspondence with the identified prepaid payment point is compared with a password received from the user device. Authenticating the use of the prepaid payment point and processing payment according to the payment information using the prepaid payment point when the authentication is successful;
The step of setting the use password,
Designate a selection category selected by the user among preset product categories as the use of the prepaid payment points, classify and manage each prepaid payment point purchased according to different purchase information, and respond to each prepaid payment point to the user The use password and the selected category received from the device are set, but if the selected categories of each prepaid payment point purchased according to different purchase information are the same, they are summed to create a single prepaid payment point for a specific category. A use password for the use of a single prepaid payment point is set, and information on purchase points according to the user's product purchase is received from the shopping mall service providing device, and the prepaid payment points are separately accumulated and accumulated in correspondence with the user. Further comprising storing authentication information set by the user for use of purchase points,
The step of processing the payment is,
When the payment information is received, holding status information on the holding status of the purchase points corresponding to the user and the prepaid payment points is provided to the user device, and selection information that a product corresponding to the payment information is included in the payment information The authentication success is determined by further determining whether the prepaid payment point corresponds to the selection category corresponding to the purchase point and the prepaid payment according to user input information received from the user device when processing payment for the payment information. When payment is processed by summing the payment points, authentication is performed using the authentication information and the user input information, and if authentication using the authentication information and the user input information is successful, the purchase points and the prepaid payment points are summed and generated. Payment is processed according to the payment information using the used points, and points used for payment according to the payment information are deducted from the prepaid payment points, and if there are remaining points, the remaining points are converted into the purchase points, A method of providing a payment service using cyber money, further comprising the step of accumulating in correspondence with a user. delete

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