KR20040087713A - A system for real time payment using a payment terminal having an IP address and a personal data terminal and a method thereof - Google Patents

Abstract

PURPOSE: A system and a method for real-time settlement using a settlement terminal and a personal connecting terminal having an IP(Internet Protocol) address are provided to offer a real-time settlement service by using the settlement terminal and a portable personal terminal having the IP address without equipping with a separate device or replacing the terminal. CONSTITUTION: A settlement terminal confronting module(204) transmits a transaction code matched with transaction information received from the settlement terminal. A personal connecting terminal confronting module(206) transmits the transaction information to the personal terminal by receiving the transaction code from the personal terminal. A transaction information processing module(208) generates the transaction code, and processes the transaction information and the transaction code. A user information operating module(210) transmits financial information of a user to the personal terminal by receiving settlement request information from the personal terminal. A settlement executing module(212) executes the settlement matched with a settlement tool selected from the user.

Description

System for real time payment using a payment terminal having an IP address and a personal data terminal and a method

The present invention provides a real-time payment system using a payment terminal having an IP address and a personal access terminal, and a method thereof, and a system and method for easily and safely real-time payment using a personal portable terminal and a payment terminal capable of accessing the Internet. It is about.

In general, the Internet is an open network that can be connected freely by applying a common protocol called TCP / IP (Transmission Control Protocol / Internet Protocol) to the other terminal that anyone wants to access anywhere in the world. In addition to the delivery, as well as the development of compression technology, such as multimedia information can be used for various services such as e-mail, file transfer, WWW (World Wide Web).

In addition, portable terminals such as personal mobile phones and PDAs, which can be connected to the Internet, are widely used and used, and payment terminals used to communicate by telephone connection are also being changed to terminals that can be connected to the Internet using the TCP / IP protocol.

However, in order to use a payment using a conventional portable terminal, a large cost is required in accordance with the purchase of a portable terminal and a payment terminal equipped with a separate device for directly enabling communication between the portable terminal and the payment terminal. When the user tries to make a payment using such a device, the user has to move his portable terminal to a distance where communication with the payment terminal of the seller is possible.

The present invention has been made to solve the above problems, to provide a real-time payment system that enables a real-time payment service using a payment terminal and a personal portable terminal having an existing IP address without having a separate device For the purpose of

1 is a block diagram showing a schematic configuration example of a real-time payment system according to the present invention.

2 is a conceptual block diagram of an embodiment of a main server 100 of a real-time payment system according to the present invention.

3 is a flowchart of an embodiment of a real-time payment method according to the present invention.

In order to achieve the above object, the present invention is a real-time payment system connected to a payment terminal having an IP address and a personal access terminal through a wired or wireless communication network to provide a real-time payment service, data transmitting and receiving data through the communication network Communication module; A payment terminal corresponding module receiving transaction information from the payment terminal, transmitting a unique transaction code corresponding to the transaction information to the payment terminal, and transmitting payment completion information to the payment terminal when the payment is completed; A personal access terminal corresponding module for receiving the transaction code from the personal access terminal and transmitting the transaction information to the personal access terminal; A transaction information processing module which generates the transaction code and stores the transaction information and the transaction code; A user information operation module which receives payment request information of the user from the personal access terminal and transmits financial information of the user to the personal access terminal; And a payment execution module that receives information about the payment means selected by the user from the personal access terminal and performs a payment corresponding to the payment means.

In addition, according to another aspect of the present invention, the present invention is connected to a payment terminal having an IP address and a personal access terminal via a wired or wireless communication network in a real-time payment method for providing a real-time payment service, the transaction information from the payment terminal Receiving the transmission and generating a unique transaction code corresponding to the transaction information and transmitting the transaction code to the payment terminal; Receiving the transaction code from the personal access terminal and transmitting the transaction information to the personal access terminal; Receiving payment request information of the user from the personal access terminal and transmitting the financial information of the user to the personal access terminal; And receiving information about the payment means selected by the user from the personal access terminal, performing a payment corresponding to the payment means, and transmitting payment completion information to the payment terminal.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram showing a schematic configuration example of a real-time payment system according to the present invention. As shown in FIG. 1, according to an embodiment of the present invention, the main server 100, the payment terminal 10, and the personal portable terminal 30 are interconnected through the wired / wireless communication network 30. In addition, the first financial institution 40 and the second financial institution 42 and the associated system 50 are also connected to the main server 100, the payment terminal 10, and the personal portable terminal 30 through the wired / wireless communication network 30.

The wired / wireless communication network 30 generally includes infrastructure necessary for any communication means for exchanging information, from wired communication networks for wired telephones, faxes, the Internet, and the like to wireless communication networks for wireless telephones, wireless Internet, and the like.

Since each payment terminal 10 has a single IP address, a communication environment is established so as to be connected to a main server 100 that provides a real-time payment service through a wired / wireless communication network 30. In addition, the payment terminal 10 receives input from the seller about the transaction information and transmits it to the main server 100 to perform a communication connection with the main server 100, and outputs a transaction receipt displaying a transaction code corresponding to the transaction information and the transaction information. do.

The personal mobile terminal 20 has a communication environment configured to connect with the main server 100 that provides a real-time payment service through a wired or wireless communication network 30. When the payment terminal 10 receives the transaction code from the main server and outputs a transaction receipt indicating the transaction code, the personal portable terminal 20 transmits the transaction code to the main server 100 by inputting the transaction code from the user.

In addition, the personal mobile terminal 20 receives transaction information such as payment amount and financial information of the user such as account transfer and credit card from the main server 100 and displays the information on the screen. In this case, the payment request information and the payment method information are input from the user and transmitted to the main server 100.

The first financial institution server 40 and the second financial institution server 42 are servers of a financial institution that form a financial transaction relationship with a user and a seller, respectively, and the first financial institution server 40 is settled from the personal mobile terminal 10 to the main server 100. When the information about the means is transmitted and the payment request information of the user is received from the main server 100, the payment is performed in association with the second financial institution server according to the payment method selected by the user.

That is, for example, when the user selects a bank transfer as a payment method, the first financial institution server 40 transfers the payment amount requested by the user from the user payment request account 401 to the settlement account 403 via the firm banking network as a real time account transfer service. When the payment is processed, the second financial institution server 42 withdraws the payment amount from the settlement account 407 and performs the automatic transfer to the seller collection registration account 409. On the other hand, when the user selects a credit card as a payment method, if there is a deposit of the payment amount from the credit card company, the second financial institution server performs the automatic transfer to the merchant collection registration account 409.

The linkage system 50 is to provide a payment method other than the above-mentioned transfer. For example, when the user selects a credit card payment as a payment method, the user receives the credit card information of the user and requests a transaction approval from the credit card company. It can be a system for receiving the approval number of the transaction made.

Hereinafter, the main server 100 will be described in detail with reference to FIG. 2. 2 is a conceptual block diagram of an embodiment of a main server 100 of a real-time payment system according to the present invention. The main server 100 includes a data communication execution module 202, a payment terminal correspondence module 204, a user terminal correspondence module 206, a transaction information processing module 208, a user information operation module 210, and a payment execution module 212. Various hardware 214 and software 216.

The data communication performing module 202 performs data communication with another computer system or a terminal through the network. The communication protocol used by the data communication module 202 to transmit and receive data may be selected and used according to the type of network actually used.

The payment terminal corresponding module 204 receives transaction information such as a payment amount entered by the seller in the payment terminal 10 through the wired / wireless communication network 30, checks the payment terminal 10 using the IP address of the payment terminal 10, and processes the transaction information. The transaction code generated by the module 208 is transmitted to the payment terminal 10. In addition, when payment is performed, the payment terminal corresponding module 204 transmits the payment result to the payment terminal 10 so that the seller can grasp the payment status in real time.

If the user terminal corresponding module 206 receives the transaction code from the personal portable terminal 20 by inputting the transaction code confirmed by the transaction receipt outputted by the payment terminal 10 into the personal portable terminal 20, the transaction information processing module. By calling 208, the transaction information corresponding to the transaction code is received from the transaction information processing module 208, and the transaction information is transmitted to the personal portable terminal 20.

The transaction information processing module 208 generates a transaction code which is a random number corresponding to the transaction information received by the payment terminal correspondence module 204, stores the transaction code together with the transaction information, and transmits the generated transaction code to the payment terminal correspondence module 204. In addition, when there is a call from the user terminal corresponding module 206, the transaction information processing module 208 transmits the transaction information corresponding to the transaction code to the user terminal corresponding module 206.

The user information operation module 210 transmits the financial information of the user to the personal portable terminal 20 when a payment request of the user who has confirmed the transaction information from the personal portable terminal 20 is received.

The payment performing module 212 receives information about a payment method selected by the user from the personal mobile terminal 20, and transmits payment request information to the first financial institution server 40 and the second financial institution server 42 in response to the selected payment method. Perform

Hereinafter, a real time payment method performed by the real time payment system according to the present invention will be described in detail with reference to FIG. 3. 3 is a flowchart of an embodiment of a real-time payment method according to the present invention. First, when a transaction is formed between a user and a seller, the payment terminal 10 accesses the main server 100 through the wired / wireless communication network 30 so that the seller inputs transaction information about the transaction and transmits the transaction information to the main server 100.

The payment terminal corresponding module 204 of the main server 100 transmits the transaction information to the transaction information processing module 208 when the transaction information is transmitted from the 10 to the payment terminal, and the transaction information processing module 208 is unique in random numbers corresponding to the transaction information. Generate a transaction code for. The transaction information processing module 208 stores the transaction code generated together with the transaction information and transfers the transaction code to the payment terminal corresponding module 204. The payment terminal corresponding module 204 transmits the received transaction code to the payment terminal 10, and the payment terminal 10 having received the transaction code outputs a transaction receipt indicating transaction information including the transaction code (step S10).

The personal portable terminal 20 accesses the main server 100 from the user who confirms the transaction code by the transaction receipt, receives the transaction code from the user, and transmits the transaction code to the main server 100 (step S20).

The user terminal corresponding module 206 of the main server 100 that receives the transaction code from the personal mobile terminal 20 transmits the transaction code to the transaction information processing module 208, and the transaction information processing module 208 uses the transaction code already stored. The transaction information corresponding to the message is transmitted to the user terminal corresponding module 206, and the user terminal corresponding module 206 transmits the received transaction information to the personal portable terminal 20 (step S30).

When the payment request information of the user is transmitted from the personal portable terminal 20, the user information operation module 210 transmits the financial information of the user to the personal portable terminal 20 (step S40).

The payment performing module 212 receives information about the payment method selected by the user from the personal mobile terminal 20, and transmits the payment request information to the first financial institution server 40 in response to the selected payment method to perform payment (step S50). .

When the payment terminal corresponding module 204 receives the payment completion information from the second financial institution server 42, the payment terminal 204 transmits the payment completion information to the payment terminal 10 so that the seller can know the payment status in real time (step S60).

According to the present invention, a real-time payment service can be provided by using a payment terminal having a conventional IP address and a personal portable terminal without providing a separate device or replacing the terminal.

In addition, according to the present invention, since the real-time payment can be performed using the Internet communication network, it is possible to provide a real-time payment service that is not limited by time and space.

Claims (2)

In the real-time payment system that provides a real-time payment service is connected to a payment terminal having an IP address and a personal access terminal through a wired or wireless communication network, A data communication module for transmitting and receiving data through the communication network; A payment terminal corresponding module receiving transaction information from the payment terminal, transmitting a unique transaction code corresponding to the transaction information to the payment terminal, and transmitting payment completion information to the payment terminal when the payment is completed; A personal access terminal corresponding module for receiving the transaction code from the personal access terminal and transmitting the transaction information to the personal access terminal; A transaction information processing module which generates the transaction code and stores the transaction information and the transaction code; A user information operation module which receives payment request information of the user from the personal access terminal and transmits financial information of the user to the personal access terminal; And And a payment execution module that receives information about the payment means selected by the user from the personal access terminal and performs payment in response to the payment means. In the real-time payment method of providing a real-time payment service is connected to a payment terminal having an IP address and a personal access terminal through a wired or wireless communication network, Receiving transaction information from the payment terminal, generating a unique transaction code corresponding to the transaction information, and transmitting the transaction code to the payment terminal; Receiving the transaction code from the personal access terminal and transmitting the transaction information to the personal access terminal; Receiving payment request information of the user from the personal access terminal and transmitting the financial information of the user to the personal access terminal; And And receiving the information about the payment means selected by the user from the personal access terminal, performing a payment corresponding to the payment means, and transmitting payment completion information to the payment terminal.