KR20090039702A - System for processing alternative payment ic chip with mobile phone - Google Patents

Abstract

A system for processing alternative payment of an IC chip of a mobile phone is provided to process payment by using the second payment unit in association with a storage medium associatedly processed by the first payment unit when payment is not allowed by the first payment unit. A payment terminal(105) includes the fist payment unit. The payment terminal receives and extracts information of the first payment unit of an IC chip from a client wireless terminal(100) with the IC chip. The payment terminal produces a predetermined payment approval request statement in which information of the first payment unit is included. The payment terminal transfers the predetermined payment approval request statement to the first payment server(110). The payment server determines whether payment is approved through the first payment unit based on information of the first payment unit. When approval through the first payment unit is impossible, the payment server transfers the information of the first payment unit and the payment approval request statement to the second server or device(120).

Description

System for Processing Alternative Payment IC Chip with Mobile Phone}

1 is a simplified block diagram of a wireless alternative payment system according to a preferred embodiment of the present invention.

2 is a simple flowchart of an embodiment in which a wireless alternative payment process according to FIG. 1 is performed.

3 is a simplified flowchart of another embodiment in which a wireless alternative payment process according to FIG. 1 is performed.

Figure 4 is a simplified block diagram of a wireless alternative payment system according to another embodiment of the present invention.

5 is a simple flowchart of an embodiment in which a wireless alternative payment process according to FIG. 4 is performed.

6 is a simplified flowchart of another embodiment in which a wireless alternative payment process according to FIG. 4 is performed.

7 is a simplified structural diagram of a preferred information storage medium according to the present invention.

<Description of main parts of drawing>

100: wireless terminal 105: payment terminal

110: payment server (1) 115: payment server (2)

120: server or device 125: storage medium

130: extraction unit 135: transmission unit

140: receiving unit 145: payment approval unit

According to the present invention, when the payment processing is not possible through the payment means provided in the mobile phone IC chip, the second payment means information for replacing the payment means provided in the mobile phone IC chip from the storage medium and the extracted second means The present invention relates to a mobile phone IC chip payment alternative processing system including a means for replacing and processing payment processing through a payment means provided in the mobile phone IC chip using a payment means.

The wireless payment system includes a payment means issued by a predetermined financial institution on an IC chip mounted or detached from a wireless terminal, and performs a payment processing using the payment means. Read and store payment means information corresponding to the payment means from the wireless terminal through a wireless terminal mounted or detached and a predetermined communication means (for example, Infrared Financial Messaging (IrFM) of Infrared Data Association (IrDA)). A payment terminal for generating payment request data including the payment means information (e.g., payment request information including payment means information, payment amount, and payment terminal information) and transmitting to a payment server; and receiving the payment request data. And a payment server for generating payment processing data for payment processing and transmitting it to the payment terminal, and a payment track between the payment terminal and the payment server. This includes networks that provide transactions.

On the other hand, in the wireless payment system as described above, due to the control of the wireless payment initiative between the financial institution and the mobile communication company, or the limitation of the memory capacity of the IC chip mounted on or detached from the wireless terminal, etc. Certain payment methods issued by financial institutions (e.g., one credit card, debit card, check card, prepaid card, electronic wallet issued by a specific financial institution) (Electronic Wallet), financial cooperative network, etc.), and the payment method used in the wireless payment is limited to only a few payment methods issued by a specific financial institution, and as a result, the payment limit of the payment method is easily exceeded. Done.

If the payment limit of the payment means included in the IC chip mounted on or detached from the wireless terminal is exceeded as described above, the wireless terminal further charges or stores the storage value in the case of a payment method such as a prepaid card or an electronic wallet. In the case of a payment method such as a card, the payment limit setting may be increased, but the process is complicated and difficult. In particular, in the case of a credit card, increasing the payment limit is not easy because it also relates to the credit rating of the customer.

An object of the present invention to compensate for the above problems is the second payment means information to replace the payment means provided in the mobile phone IC chip, if the payment processing through the payment means provided in the mobile phone IC chip from the storage medium The present invention provides a mobile phone IC chip payment alternative processing system including a means for extracting and processing a replacement process through a payment means provided in the mobile phone IC chip using the extracted second payment means.

In addition, another object of the present invention, when the payment processing using the first payment means stored in the memory in the wireless terminal using the wireless alternative payment system, the second payment means information processed in connection with the first payment means; The present invention provides a wireless alternative payment method for performing payment processing using a second payment means in association with a storage medium to be stored.

In the mobile phone IC chip payment alternative processing system according to the present invention, when the payment processing through the payment means provided in the mobile phone IC chip, the second payment means information for replacing the payment means provided in the mobile phone IC chip storage medium Means for extracting from the second payment means and the means for extracting from the payment means through the payment means provided in the mobile phone IC chip.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

1 is a simplified block diagram of a wireless alternative payment system according to a preferred embodiment of the present invention.

Referring to FIG. 1 according to a preferred embodiment of the present invention, a wireless alternative payment system includes a payment terminal 105, a payment server 1, 110, a server or device 120, and a payment server 2 ( It is characterized in that through (115).

The payment terminal 105 includes a first payment means, receives or extracts first payment means information included in the IC chip from a client wireless terminal 100 having an IC chip mounted or detached therefrom. The predetermined payment approval request message including the received or extracted first payment means information is generated and transmitted to the payment server (1) 110 corresponding to the first payment means information.

For example, the payment terminal 105 is connected to the wireless terminal 100 including the first payment means through the short-range communication (eg, Bluetooth communication, RF communication, infrared communication, wireless LAN communication, etc.) Information on the first payment means included in 100 may be obtained.

The payment server (1) (110) determines whether or not payment approval through the first payment means, based on the first payment means information included in the full payment approval request sent from the payment terminal 105, As a result of the determination, if payment approval through the first payment means is impossible, the first payment means information and the full payment approval request message are transmitted to a second server or device 120 located on a network.

For example, when payment approval through the first payment means is not possible, the payment server (1) 110 receives a predetermined network (eg, a payment network 105) from the payment processing process through the first payment means. , VAN, etc.).

The server or the device 120 is based on the first payment means information transmitted from the payment server (1) 110, the first pre-stored in a predetermined storage medium 125 in association with the first payment means Extracting the second payment means information to replace the payment means, and transmits the extracted second payment means information and the full payment authorization request to the payment server (2) 115 corresponding to the second payment means information.

For example, the server or apparatus 120 may include a storage medium 125 for storing the second payment means replacing the first payment means, the first payment means information, and the wireless terminal information in association with each other, and the payment server 1. Receiving unit 140 for receiving the first payment means information from 110, and the extraction unit 130 for extracting the second payment means and / or wireless terminal information associated with the first payment means from the storage medium 125 And a second payment approval unit 145 for requesting approval for the alternative payment using the second payment means to the wireless terminal 100 through the extracted wireless terminal information, and the wireless terminal 100. In the case of approving the alternative payment using the second payment means, the transmission unit 135 may transmit the second payment means information to the payment server (2) 115 through the network.

In addition, the storage medium 125 may further store the payment server 2 access information corresponding to at least one or more second payment means in order to be replaced when the first payment means is unavailable.

The payment server (2) 115 processes the payment approval based on the second payment means information transmitted from the second server or the device 120 and the full payment approval request, and the payment approval processing result Is transmitted to the payment terminal 105.

Meanwhile, according to another preferred embodiment using the system, each component of the system may have other features as follows.

For example, the payment terminal 105 of the system performs a predetermined payment through a first payment means provided in the IC chip mounted or detached from the wireless terminal 100, and the wireless terminal 100 from the Receiving or extracting the first payment means information provided on the IC chip, generating a predetermined payment approval request text including the provided or extracted first payment means information, the generated payment approval request full text is the first payment Transmission to the payment server (1) (110) corresponding to the means information.

In addition, the payment server (1) 110 of the system, based on the first payment means information included in the full payment approval request transmitted from the payment terminal 105, it is possible to approve payment through the first payment means. If it is impossible to approve payment through the first payment means, the first payment means information is transmitted to a second server or device 120 located on a network.

In addition, the server or device 120 of the system, based on the first payment means information transmitted from the payment server (1) (110), in connection with the first payment means predetermined storage medium 125 Extracting the second payment means information to replace the first payment means previously stored in the transmission, and transmits the extracted second payment means information to the payment terminal 105.

In addition, the payment terminal 105 is a payment server corresponding to the second payment means information a predetermined payment authorization request containing the second payment means information transmitted from the second server or device 120 ( 2) 115 to request the payment approval.

In addition, based on the second payment means information transmitted from the second server or device 120, requesting the wireless terminal 100 to approve the second payment means replacement processing of the first payment means, or The wireless terminal 100 may notify the second payment means replacement processing situation of the first payment means.

2 is a simple flowchart of an embodiment in which a wireless alternative payment process according to FIG. 1 is performed.

2 shows that the payment terminal 105 receives the first payment means information from the client wireless terminal 100 and transmits the received first payment means information and the full payment approval request to the payment server 1 (110). The payment server (1) 110 determines whether payment is approved through the received first payment means information, and if the payment is not approved, the first payment means information and the full text of the payment approval request server or apparatus 120. To pass). At this time, the server or the device 120 extracts the pre-stored second payment means information in association with the first payment means information from the storage medium 125, the extracted second payment means information and payment approval request full text Is transmitted to the payment server (2) 115, the payment approval process is performed through the payment server (2) (115).

Referring to FIG. 2, when the client makes a payment request through the wireless terminal 100 having the first payment means (200), the payment terminal 105 receives the first payment means information from the wireless terminal 100. Obtain (205).

For example, in order for the payment terminal 105 to obtain first payment means information from the wireless terminal 100, predetermined short-range communication (eg, RF communication, Bluetooth communication) between the payment terminal 105 and the wireless terminal 100 is performed. , WLAN communication, infrared communication, etc.) may function.

The payment terminal 105 having obtained the first payment means information from the wireless terminal 100 constructs the full payment approval request message including the first payment means information and transmits it to the payment server (1) 110 (210). . Payment server (1) (110) determines whether the payment is possible through the first payment means included in the received payment approval request full text (215).

If payment using the first payment means is possible (220), the payment server (1) (110) performs the payment processing through the first payment means, the payment approval details of the payment terminal 105 Provided as (225).

On the other hand, if payment using the first payment means is not possible (230), the payment server (1) (110) notifies the payment terminal 105 that the payment is not approved, and according to the present embodiment The payment means information and the full payment approval request are transmitted to the server or the device 120 on the network (235).

For example, when the payment using the first payment means is not possible, the usage of the first payment means is exceeded and / or the balance is insufficient and / or the expiration date is passed and / or use is not possible. May be stopped.

In addition, the payment approval request text provided from the payment server (1) 110 to the server or the device 120 may include information related to the corresponding payment (eg, payment terminal information (terminal code, merchant information, etc.), payment amount information). , Installment information, payment request date and time information), and the like.

The server or device 120 searches for whether there is a second payment means information previously stored in the storage medium 125 in response to the first payment means information transmitted from the payment server (1) (110) (240).

If the second payment means information stored in association with the first payment means information exists in the storage medium 125 (245), the server or the device 120 is the first payment means from the storage medium 125 The second payment means information stored in association with the extraction (250), and whether the alternative payment using the extracted second payment means by providing to the wireless terminal 100 equipped with the first payment means to confirm (255) .

For example, when the server or the device 120 extracts second payment means information stored in association with the first payment means, the wireless terminal 100 having the first payment means associated with the first payment means is provided. The number information of can also be extracted. In addition, the server or device 120 transmits a text message, etc. requiring confirmation of the alternative payment, to the wireless terminal 100 based on the extracted wireless terminal information, thereby transmitting from the wireless terminal 100. A response to the alternative payment can be obtained.

The server or apparatus 120 transmits the extracted second payment means information and the full payment approval request message to the payment server (2) 115 corresponding to the second payment means (260), and the payment server (2) 115 performs a payment approval process based on the second payment means and the full payment approval request (165), and transmits the payment approval processing result to the payment terminal 105 (270), this figure. The wireless alternative payment process according to 2 ends.

3 is a simple flowchart of another embodiment in which a wireless alternative payment process according to FIG. 1 is performed.

3 shows that the payment terminal 105 receives the first payment means information from the client wireless terminal 100 and transmits the received first payment means information and the full payment approval request to the payment server 1 (110). The payment server (1) 110 determines whether payment is approved through the received first payment means information, and transfers the first payment means information to the server or the device 120 when payment approval is not possible. At this time, the server or the device 120 extracts the second payment means information stored in association with the first payment means information from the storage medium 125, and extracts the extracted second payment means information from the payment terminal ( 105). The payment terminal 105 transmits the full payment approval request including the second payment means information to the payment server (2) 115 corresponding to the second payment means, thereby transmitting the payment server (2) 115. Payment approval processing is carried out through.

Referring to FIG. 3, when a client makes a payment request through a wireless terminal 100 equipped with a first payment means (300), the payment terminal 105 receives a predetermined short-range communication means from the wireless terminal 100 ( For example, the first payment means information is acquired through RF communication, Bluetooth communication, WLAN communication, infrared communication, etc. (305).

The payment terminal 105 having obtained the first payment means information from the wireless terminal 100 constructs a full payment approval request message including the first payment means information and transmits it to the payment server (1) 110 (310). . The payment server (1) (110) determines whether the payment is possible through the first payment means included in the received payment approval request full text (315), if payment is possible using the first payment means (320) The payment server (1) (110) performs the payment processing through the first payment means, and provides the payment approval details to the payment terminal 105 (325).

On the other hand, if the payment using the first payment means is not possible (330), the payment server (1) (110) notifies the payment terminal 105 that the payment is not approved, and according to the present embodiment 1 The payment means information and the full payment approval request is transmitted to the server or device 120 on the network (335).

The server or device 120 searches for whether there is a second payment means information previously stored in the storage medium 125 in response to the first payment means information transmitted from the payment server (1) (110) (340). If the second payment means information stored in association with the first payment means information exists in the storage medium 125 (345), the server or the device 120 and the first payment means from the storage medium 125 and the first payment means information; In operation 355, the second payment means information stored in association is extracted (350), and whether or not the alternative payment using the extracted second payment means is provided to the wireless terminal 100 equipped with the first payment means (355).

In addition, the server or device 120 transmits the extracted second payment means information to the payment terminal 105 (360), the payment terminal 105 includes the received second payment means information. Compose a payment approval request full text, and transmits to the payment server (2) (115) corresponding to the second payment means (365).

The payment server (2) 115 performs the approval process for the payment based on the full text of the payment approval request, and transmits the payment approval processing details to the payment terminal 105 (370), FIG. 3 The wireless alternative payment process according to this is terminated.

Figure 4 is a simplified block diagram of a wireless alternative payment system according to another embodiment of the present invention.

Referring to Figure 4 according to another preferred embodiment of the present invention, the wireless alternative payment system is characterized in that it is configured through the payment terminal 405, the payment server (1) 410 and payment server (2) (445) do.

The payment terminal 405 of the wireless payment system receives or extracts the first payment means information provided in the IC chip from the wireless terminal 400, and includes the first payment means information provided or extracted. The full payment approval request of the transmission to the payment server (1) (410) corresponding to the first payment means information.

The payment server (1) 410 of the wireless payment system can be approved for payment through the first payment means, based on the first payment means information included in the full payment approval request transmitted from the payment terminal 405. And, if it is impossible to approve payment through the first payment means, replaces the first payment means previously stored in a predetermined storage medium 415 in connection with the first payment means. The second payment means information is extracted, and the extracted second payment means information and the full payment approval request are transmitted to the payment server (2) 445 corresponding to the second payment means information.

In addition, the payment server (1) 410 may notify the payment terminal 405 of the payment processing impossible through the first payment means when the payment approval through the first payment means is impossible. .

In addition, the payment server (1) 410 is the first payment means information provided in the IC chip mounted or detached in the wireless terminal 400 and at least one or more alternatives when the first payment means is unavailable And a storage medium 415 for interworking and storing the payment means information, the wireless terminal information, and / or the wireless terminal owner customer information, wherein the storage medium 415 is unavailable when the first payment means is unavailable. The payment server 2 access information corresponding to the at least one replaceable second payment means may be further stored.

In addition, the payment server (1) 410 is a wireless terminal having the first payment means previously stored in a predetermined storage medium 415 in connection with the first payment means based on the first payment means information Extracting wireless terminal information for 400 and using the extracted wireless terminal information, requesting the wireless terminal 400 to approve the second payment means replacement processing of the first payment means, or the wireless The terminal 400 may notify the second payment means replacement processing situation of the first payment means.

The payment server (2) 445 of the wireless payment system processes the payment approval on the basis of the second payment means information transmitted from the payment server (1) 410 and the full payment approval request, The payment approval process result is transmitted to the payment terminal 405.

On the other hand, according to another preferred embodiment using the system shown in Figure 4, each component of the wireless alternative payment system may have other features as follows.

For example, according to another preferred embodiment, the payment terminal 405 of the system receives or extracts the first payment means information provided on the IC chip from the wireless terminal 400, and the received or extracted information. The predetermined payment approval request message including the first payment means information is transmitted to the payment server (1) 410 corresponding to the first payment means information.

Also, the payment terminal 405 substitutes the second payment means of the first payment means to the wireless terminal 400 based on the second payment means information transmitted from the payment server (1) 410. The request for approval or the wireless terminal 400 may notify the second payment means replacement processing status of the first payment means.

In addition, the payment server (1) 410 of the system can be approved for payment through the first payment means based on the first payment means information included in the full payment approval request transmitted from the payment terminal 405. And, if it is impossible to approve payment through the first payment means, replaces the first payment means previously stored in a predetermined storage medium 415 in connection with the first payment means. The second payment means information is extracted and the extracted second payment means information is transmitted to the payment terminal 405.

At this time, the payment terminal 405 is a payment server corresponding to the second payment means information a predetermined payment authorization request containing the second payment means information transmitted from the payment server (1) (410) ( 2) 445 to request payment approval.

5 is a simple flowchart of an embodiment in which a wireless alternative payment process according to FIG. 4 is performed.

5 shows that the payment terminal 405 receives the first payment means information from the client wireless terminal 400 and transmits the received first payment means information and the full payment approval request to the payment server (1) 410. The payment server (1) 410 determines whether payment is approved through the received first payment means information, and is stored in association with the first payment means information from the storage medium 415 when payment approval is not possible. Extracting the second payment means information, and transmits the extracted second payment means information and the full payment approval request to the payment server (2) (445), the payment approval processing through the payment server (2) (445) It is done.

Referring to FIG. 5, when a client makes a payment request through a wireless terminal 400 equipped with a first payment means (500), the payment terminal 405 may perform predetermined short-range communication or the like from the wireless terminal 400. Obtaining the first payment means information through (505), and configures the full payment approval request message including the first payment means information and transmits to the payment server (1) (410) (510).

The payment server (1) 410 determines whether payment is possible through the first payment means included in the received payment approval request text (515). If payment using the first payment means is possible (520), the payment server (1) 410 performs the payment processing through the first payment means, and the payment approval details of the payment terminal 405. Provided as (525). On the other hand, if the payment using the first payment means is not possible (530), the payment server (1) 410 second payment means previously stored in the storage medium 415 corresponding to the first payment means information Search for information that exists (535).

As a result of the search, if the second payment means information stored in association with the first payment means information exists in the storage medium 415 (540), the payment server (1) 410 from the storage medium 415 Extracting the second payment means information stored in association with the first payment means (545), and providing the wireless terminal 400 with the first payment means whether the alternative payment using the extracted second payment means; Check (550).

In addition, the payment server (1) 410 transmits the extracted second payment means information and the full payment approval request message to the payment server (2) 445 corresponding to the second payment means (555).

The payment server (2) 445 performs a payment approval process based on the second payment means information obtained from the payment server (1) 410 and the full payment approval request (560), the payment approval processing By transmitting a result to the payment terminal 405 (565), the wireless alternative payment process according to FIG. 5 ends.

6 is a simple flowchart of another embodiment in which the wireless alternative payment process according to FIG. 4 is performed.

6 shows that the payment terminal 405 receives the first payment means information from the client wireless terminal 400 and transmits the received first payment means information and the full payment approval request to the payment server (1) 410. The payment server (1) 410 determines whether payment is approved through the received first payment means information, and if payment approval is not possible, the payment server (1) 410 from the storage medium (415). The second payment means information is stored in association with the first payment means information, and the extracted second payment means information is provided to the payment terminal 405. The payment terminal 405 transmits the full payment approval request including the second payment means information to the payment server (2) 445 corresponding to the second payment means, thereby transmitting the payment server (2) (445). Payment approval processing is carried out through.

Referring to FIG. 6, when a client makes a payment request through a wireless terminal 400 equipped with a first payment means (600), the payment terminal 405 may perform predetermined short-range communication or the like from the wireless terminal 400. Obtaining the first payment means information through (605), and configures the full payment approval request message including the first payment means information and transmits to the payment server (1) (410) (610).

At this time, the payment server (1) 410 determines whether the payment is possible through the first payment means included in the received payment approval request full text (615), if possible, the payment using the first payment means If 620, the payment server (1) 410 performs the payment processing through the first payment means, and provides the payment approval details to the payment terminal 405 (625).

On the other hand, if payment using the first payment means is not possible (630), the payment server (1) 410 second payment means previously stored in the storage medium 415 corresponding to the first payment means information Search if the information exists (635).

As a result of the search, if there is the second payment means information stored in association with the first payment means information in the storage medium 415 (640), the payment server (1) 410 from the storage medium 415 Extracting the second payment means information stored in association with the first payment means (645), and providing a wireless terminal 400 with the first payment means whether the alternative payment using the extracted second payment means; Check (650).

And, the payment server (1) 410 transmits the extracted second payment means information to the payment terminal 405 (655), the payment terminal 405 is the payment server (1) (410) In operation 660, a payment approval request message including second payment means information received from the service is configured and transmitted to the payment server (2) 445 corresponding to the second payment means.

The payment server (2) 445 performs the payment approval process on the basis of the full payment approval request, and transmits the result of the payment approval processing to the payment terminal 405 (665), the wireless replacement according to FIG. The payment process ends.

7 is a simplified structural diagram of a preferred information storage medium according to the present invention.

7 is a simple data model of a storage medium that may be provided in the payment server 1 or the server or apparatus according to the present invention, preferably the storage medium comprises a first payment means data file and a second payment means data file. It is characterized by including.

In addition, the storage medium may further include a customer information data file storing the client information and / or wireless terminal information in association with the first payment means data file and the second payment means data file.

Preferably, the first payment means data file stores first payment means information of a client stored in a memory in the wireless terminal.

For example, the first payment means information may include a credit card payment means and / or debit card payment means and / or prepaid card payment means.

Preferably, the second payment means data file stores second payment means information of the client. For example, the second payment means information is a payment means that can be used in place of the first payment means when the first payment means provided in the wireless terminal according to the present invention, is provided in the storage medium on the network , Credit card payment means and / or debit card payment means and / or prepaid card payment means and the like.

The second payment means data file may further store payment server access information corresponding to the second payment means.

According to the present invention, in the wireless payment method for processing a predetermined payment through the first payment means provided in the IC chip mounted on or detached from the wireless terminal, when the payment through the first payment means is not made By making a payment through the second payment means in connection with the first payment means previously stored in the network,

When a temporary payment failure occurs, such as exceeding the payment limit in the wireless payment process, the user may process the payment through a payment method other than the payment means provided on the IC chip mounted or detached from the wireless terminal, thereby providing convenience of wireless payment. It has the advantage of being increased.

In addition, financial institutions that do not contract a wireless payment service with a specific mobile carrier has the advantage that the revenue through the wireless payment service by providing a second payment means to the customer.

Claims (1)

Means for extracting, from the storage medium, second payment means information that replaces the payment means provided in the mobile phone IC chip, when payment processing through the payment means provided in the mobile phone IC chip is impossible; And And a means for replacing and processing the payment processing through the payment means provided in the mobile phone IC chip by using the extracted second payment means.

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