KR20090056708A - Method and apparatus for service of private identification settlement using double combination identification code - Google Patents

Abstract

A personal identification settlement service method performing an account charging by one personal authentication procedure and an apparatus thereof are provided to improve the security by reducing personal information exposure. Double combination identification code request signal including identification information of a specific franchise and a terminal user is received from an arbitrary terminal(S201). The identifying information of the terminal user is transmitted(S202). If it is the effective information in which the user identification of the terminal is pre-registered, the user and user identification information are mapped(S204). The double combination identification code is generated by combining 1 shift identification code information distinguishing the specific member store and 2 shift identification code information distinguishing user. The generated double combination identification code is transmitted to the arbitrary terminal(S205).

Description

METHOD AND APPARATUS FOR SERVICE OF PRIVATE IDENTIFICATION SETTLEMENT USING DOUBLE COMBINATION IDENTIFICATION CODE}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to cyber money charging and payment services in various merchants, and more particularly, to a method and apparatus for personal recognition payment service using a dual combination identification code.

When using the electronic payment system using the LCD barcode of the mobile communication terminal, the inconvenience of carrying using the conventional magnetic card form in various fields can be eliminated. In addition, member identification can be easily performed using a barcode displayed on the terminal, and electronic payment service and cyber money charging and purchasing can also be easily realized in various stores.

However, in the case of the existing service, it is difficult to provide a separate service for each member of each individual, and it is a big security problem in that personal information for personal authentication must be input at every purchase or charge.

In addition, there are various problems in the prior art, such as the inconvenience that the customer has to access the web menu separately through a PC at every payment.

The present invention has been made to solve the above-described problems of the prior art, it is intended to be able to immediately charge their account when cash payments without a separate process of pepper by one personal authentication procedure.

In addition, we want to reduce the security problem of multiple personal information inputs by going through the initial one-time authentication process for one merchant.

In addition, by providing a combination identification code consisting of the content provider (or various merchant operators) information and member personal information in two stages to a portable terminal, which is a personalized medium, it is intended to have a possibility to be utilized as a PIN that can be charged in the future.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, the personal identification payment service method using a dual combination identification code according to an embodiment of the present invention is any terminal, identification information of a specific merchant and the terminal user Receiving a dual combination identification code request signal comprising a; transmitting the identification information of the terminal user to the server side of the particular merchant, from the server side of the particular affiliated store, the user identification information of the terminal is valid Receiving the result information of whether the information is confirmed; if the user identification information of the terminal is pre-registered valid information, mapping and storing the identification code information identifying the user and the user; One-stage identification code for identifying and two-stage identification for identifying the user Combine the de, and transmitting the step, the generated identification code, a double combined to generate an identification code of a double combination, with the arbitrary terminal.

In addition, the cyber money charging station server control device of the personal identification payment service using a two-stage combination identification code according to an embodiment of the present invention, the first stage identification code for identifying a particular merchant and the second stage identification code for identifying the user The terminal request input unit receives a request for charging a predetermined amount according to the presentation of the double combination identification code consisting of: requesting the charging of the predetermined amount to the customer DB of the mobile code authentication center using the double combination identification code according to the request of the terminal requesting unit. It includes a cash gate, a receipt output unit for receiving and outputting the charging result for the request of the cache gate from the mobile code authentication center.

In addition, the merchant server control device of the personal identification payment service using a mobile barcode according to an embodiment of the present invention is a confirmation request input unit that receives a request to confirm the membership of the terminal owner requesting the dual combination identification code is sent using the user identification information, The member confirmation unit confirms whether the user identification information of the terminal owner who requested the dual combination identification code is matched with the registered member, and when the verification result of the member identification unit matches the registered member information, a request for charging at the cyber money charging station And a result transfer unit for notifying a customer DB storing a two-stage combination identification code of the charged amount and the member information for charging a predetermined amount according to the member.

According to the present invention, in the case of using a personal recognition payment service method and apparatus using a double combination identification code, a name, social security number, account number, By eliminating the step of inputting personal information such as credit card information and private identification number (PIN), there is an advantage in security that the risk of personal information exposure can be reduced.

In addition, since there is no inconvenience that the customer has to access the web menu separately through a PC for payment each time, it is possible to provide a means of payment of various business models (BM) by simply charging the purchase.

In addition, the dual combination identification code is a process that is charged through an individual's mobile terminal during prepayment, so there is no risk of barcode theft, and in the future, the web (WAP) can be used when connecting with other payment methods such as mobile phone payment. There is no additional risk by entering the same payment information as Web).

In addition, by using a double combination identification code to provide the merchant and individual data, it is possible to build a derivative using the double combination identification code, and later using a universal PIN (Private Identification Number), the PIN can be recharged or transferred private (Private) Identification Number) can be used.

Hereinafter, with reference to the accompanying drawings and the contents described in the accompanying drawings will be described in detail preferred embodiments of the present invention, but the present invention is not limited or restricted by the embodiments. Like reference numerals in the drawings denote like elements.

On the other hand, in describing the present invention, when it is determined that the detailed description of the related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terminology used herein is a term used to properly express a preferred embodiment of the present invention, which may vary according to a user, an operator's intention, or a custom in the field to which the present invention belongs. Therefore, the definitions of the terms should be made based on the contents throughout the specification.

Hereinafter, a mobile barcode which is an embodiment of a double combination identification code will be described as an example, and the double combination identification code according to the present invention will be referred to as a concept of collectively various code combinations and mobile barcodes identifiable by a POS terminal.

1 is a conceptual diagram of a personal identification payment service using a mobile barcode according to an embodiment of the present invention, and FIG. 2 is a flowchart of a personal identification payment service using a mobile barcode according to an embodiment of the present invention.

Hereinafter, a personal recognition payment service method and apparatus using a mobile barcode according to an embodiment of the present invention will be described with reference to FIGS. 1 and 2.

The personal recognition payment service using the mobile barcode according to the present invention includes a user communication terminal 100, a mobile barcode authentication center 110, a mobile barcode sending center 111, a customer DB 112, a cash gate 120 ), Including a convenience store terminal 130, merchant server 140, and the like are as follows.

For example, after an owner of a user communication terminal 100 accesses a web or a WAP, a dual mobile barcode request signal including identification information of a specific affiliate store and the terminal user may be a mobile barcode authentication center 110. When received at S201, the mobile barcode authentication center 110 transmits identification information of the user of the terminal 100 to the server 140 of the particular affiliated store, thereby validating the user identification information of the terminal. It is checked whether or not the information (S202). At this time, information such as ID and password of the terminal user is used as personal identification confirmation information.

When receiving the member confirmation request, the affiliated store server 140 confirms that the terminal user is a member of the affiliated store with respect to the mobile barcode authentication center 110 when the user identification information of the terminal is pre-registered valid information. It is given (S203).

Then, the mobile authentication center 110 receiving the member confirmation maps and stores the barcode information identifying the user and the user in its customer DB 112, and at the same time assigns and stores a customer management number. It is made (S204).

After confirming the membership, for the customer to which the customer management number is assigned, the mobile barcode sending center 111 generates two-level barcodes of barcode information about the affiliated store 140 and barcode information about the owner of the terminal 100. Subsequently, the first stage barcode information identifying the specific affiliate store 140 and the second stage barcode information identifying the user are combined and transmitted to the arbitrary terminal 100 (S205).

Steps S201 to S205 become a double barcode generation step for personal recognition payment. At this time, the received barcode is generated by the future charges for a particular merchant that can use the amount of the charge and a barcode containing personal information that can use the amount at the particular merchant is generated, so if the user purchases at another merchant If you want to recharge, you will need to download a new double bar code for the merchant.

However, it is possible to continue charging and purchasing only one bar code transmission for each affiliate, which means that there is no need to re-enter personal information for charging or purchasing.

Once the user has downloaded the double barcode to his terminal 100 by the above process, the user can request a charge to the specific merchant 140 by presenting the mobile barcode through the convenience store 130 terminal (S206). ).

At this time, the charging input at the convenience store 130 is possible through a barcode scanner, and the charging request is transmitted to the customer DB 112 of the mobile barcode authentication center 110 through the cash gate 120 (S207). . According to the present invention, the cyber money charging station is configured by the convenience store terminal 130 and the cache gate 120.

The customer DB 112 of the mobile barcode authentication center 110, which has been requested to charge a predetermined amount for the user of the terminal 100 by transmitting the dual mobile barcode from the cyber money charging station, manages the customer management information of the terminal user. Using the request to the specific merchant server 140 to charge, and receives a change in the charge amount and the customer management information for the terminal user according to the charge request result (S208).

The mobile barcode authentication center 110 receiving the charge and customer information is notified of the charging result (S209), the terminal 100, the user is made by SMS, the receipt for the cyber money charging station (120, 130) By the output.

3 is a flowchart of a mobile barcode download application process of a personal identification payment service using a mobile barcode according to an embodiment of the present invention.

After selecting the content provider (or affiliated store 140) in the mobile barcode authentication center 110, and entering the ID and password authentication, mobile phone number (S301), and receives the SMS asking whether to receive a double barcode (S302) In response to the reception, the WAP connection receives a double bar code consisting of a single bar code indicating the merchant information and a double bar code indicating the customer management number (S303).

When the dual barcode is downloaded and stored in the mobile communication terminal 100 (S304), the download is completed and the storage location is selected and stored in the background screen with completion of the download (S305), thereby enabling continuous charging and use. .

2 and 3 does not necessarily have to be consistent with each other, and the order of performing the present invention may be changed within the scope in which the object of the present invention can be achieved.

4 is a flowchart of a payment process by WAP, which is another form of personal recognition payment service using a mobile barcode according to an embodiment of the present invention.

S401 to S403 are the same as the process of FIG. 3, but after selecting the mobile phone payment in the mobile communication terminal 100 (S404), at least one of the content provider, ID, password, or mobile communication terminal number It may be configured to receive information including the input (S405), complete the payment (S406) after transmitting the SMS according to the input. That is, a POS terminal may be used, or a predetermined amount of charge may be requested and settled through a mobile phone payment selection of a swap menu.

5 is a block diagram of a cyber money charging station server device of a personal identification payment service using a mobile barcode according to an embodiment of the present invention.

Hereinafter, referring to FIG. 5, a control device of a cyber money charging station server of a personal identification payment service using a mobile barcode according to an embodiment of the present invention will be described.

The apparatus for controlling the cyber money charging station server of the personal recognition payment service according to the present invention includes a terminal request input unit 501, a cache gate 502, a receipt output unit 503, and the like.

The terminal request input unit 501 may be configured through the convenience store 130 terminal. The terminal request input unit 501 may be configured by the owner of the mobile communication terminal 100 and the first stage barcode information for identifying the specific affiliate store 140, and the second stage for identifying the user. It is requested to charge a predetermined amount in accordance with the presentation of a dual mobile barcode consisting of barcode information.

In this case, the terminal request input unit 501 may be configured by a bar code scanner for scanning a bar code displayed on the liquid crystal display of the mobile communication terminal, or may be configured by RFID.

The cash gate 502 charges a predetermined amount of money to the customer DB 112 of the mobile code authentication center 110 by using the dual mobile barcode in response to a request for charging the amount from the terminal request input unit 501 of the convenience store 130. Ask.

The receipt output unit 503 receives the charging result for the request of the cache gate 120 from the mobile code authentication center 110 and outputs the receipt.

At this time, the arbitrary terminal 100 is a bar code request unit for sending a dual mobile bar code request signal including the user identification information of a specific merchant and the terminal and the dual mobile bar code generated from the mobile bar code sending center in response to the request of the bar code request unit A storage unit for receiving and storing the charge, a charge request unit for requesting a predetermined amount of charge using a dual mobile barcode stored in the storage unit, a display unit for displaying the charge amount and user information provided according to a request from the charge request unit, etc. It can be configured to include.

6 is a block diagram of an apparatus for controlling a merchant server of a personal identification payment service using a mobile barcode according to an embodiment of the present invention.

Hereinafter, referring to FIG. 6, a merchant server control apparatus for a personal identification payment service using a mobile barcode according to an embodiment of the present invention will be described.

The control apparatus of the affiliated store server of the personal recognition payment service according to the present invention includes a confirmation request input unit 601, a member confirmation unit 602, an amount payment unit 603, a result transmitter 604, and the like.

The confirmation request input unit 601 is requested to confirm whether the owner of the owner of the terminal 100 who has requested to send a dual mobile barcode uses user identification information including at least one of an ID, a password, a mobile phone number, or a social security number.

The member verification unit 602 confirms whether the user identification information of the owner of the terminal 100 who has requested the dual mobile barcode transmission, which is input by the verification request input unit 601, matches the registered member of the affiliated store 140. If the member who is not registered in the affiliated store, the first personal registration payment service is possible after the first registration process is possible.

If the money confirming unit 603 matches the registered member information as a result of the confirmation by the member confirming unit 602, the registered amount is charged to the registered member a predetermined amount according to the request for charging at the cyber money charging station. That is, in this case, the personal verification by the affiliated store is possible to confirm the member's subscription information by assigning an individual identification number of a certified institution, and through separate off-line terminals such as POS, web authentication (payment window). It is possible to charge / pay without.

The result transmitting unit 604 notifies the customer DB in which the dual mobile barcode is stored, the amount of money for the registered member and the information of the member in the amount charging unit 603. The result of the burnout allows the customer DB to update the charged amount for the member in real time.

In addition, in this process, the additional service provider may add an additional service for providing a specific additional service for the specific customer alone or additional charging for the corresponding customer by matching the user identification information.

7 is a block diagram of an apparatus for controlling a mobile barcode authentication center of a personal identification payment service using a mobile barcode according to an embodiment of the present invention.

Hereinafter, a control apparatus of a mobile barcode authentication center of a personal identification payment service using a mobile barcode according to an embodiment of the present invention will be described with reference to FIG. 7.

The apparatus for controlling a mobile barcode authentication center of a personal identification payment service according to the present invention includes a transmitter / receiver 701, a mobile barcode generator 702, a customer DB 703, a barcode transmitter 704, and the like. .

The receiving unit of the transceiver unit 701 receives a dual mobile barcode request signal including a specific affiliate store and user identification information of the terminal from an arbitrary terminal 100 and from the server 140 side of the specific affiliate store, the terminal user. Receives a result of confirming whether the identification information is valid information for the registered member, and the transmission unit transmits the identification information of the terminal user to the server side of a particular affiliated store.

The mobile barcode generation unit 702 combines the first stage barcode information for identifying the specific affiliate store and the second stage barcode information for identifying the user to generate a dual mobile barcode. The dual mobile bar code enables individual recognition for each specific affiliated store, and also enables individual charges and individual services.

The customer DB 703 maps and stores barcode information identifying the user and the user when the user identification information of the terminal 100 is valid information for a registered member, and the terminal user Processes a management number generation unit for generating a unique customer control number and at least one member information among member registration information, member correction information, or withdrawal information using member information consisting of identification information and barcode information identifying the user. It may also include a member information management unit.

At this time, the customer DB 703 is a two-stage bar code, merchants, generated by combining the first-stage bar code information for identifying a specific affiliate store generated by the mobile barcode generation unit 702, and the two-stage bar code information for identifying the user, Information including at least one of an ID and a mobile phone number is stored.

The barcode transmitter 704 transmits the dual mobile barcode generated by the mobile barcode generator 702 to the arbitrary terminal 100 to enable personal recognition payment and charging using the dual mobile barcode.

The personal recognition payment service method using the dual combination identification code according to the present invention may be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules for performing the operations, and vice versa.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined not only by the claims below but also by the equivalents of the claims.

1 is a conceptual diagram of a personal recognition payment service using a mobile barcode according to an embodiment of the present invention.

2 is a flowchart of a personal recognition payment service using a mobile barcode according to an embodiment of the present invention.

3 is a flowchart of a mobile barcode download application process of a personal identification payment service using a mobile barcode according to an embodiment of the present invention.

4 is a flowchart of a payment process by a WAP of a personal recognition payment service using a mobile barcode according to an embodiment of the present invention.

5 is a block diagram of a cyber money charging station server device of a personal identification payment service using a mobile barcode according to an embodiment of the present invention.

6 is a block diagram of an apparatus for controlling a merchant server of a personal identification payment service using a mobile barcode according to an embodiment of the present invention.

7 is a block diagram of an apparatus for controlling a mobile barcode authentication center of a personal identification payment service using a mobile barcode according to an embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

100: user communication terminal;

110: mobile barcode authentication center;

111: mobile barcode sending center;

112: customer DB;

120: Cache Gate;

130: convenience store terminal;

140: merchant server;

Claims (15)

Receiving a dual combination identification code request signal including identification information of a specific affiliate store and the terminal user, from any terminal; Transmitting identification information of the terminal user to a server side of the specific affiliated store; Receiving result information confirming whether user identification information of the terminal is pre-registered valid information from a server side of the specific affiliated store; If the user identification information of the terminal is pre-registered valid information, mapping and storing the identification code information identifying the user and the user; Generating a double combination identification code by combining the first stage identification code information for identifying the specific affiliate store and the second stage identification code information for identifying the user; And, Transmitting the generated double combination identification code to the arbitrary terminal; Personal recognition payment service method using a double combination identification code, characterized in that is made, including. The method of claim 1, Receiving a request for charging a predetermined amount for a terminal user who has received the dual combination identification code from a cyber money charging station; Requesting a charge to the specific affiliated server using the customer management information of the terminal user according to the request; Receiving a charge amount changed according to a result of the charge request and customer management information on the terminal user; Notifying the received charge amount Personal recognition payment service method using a double combination identification code, characterized in that it further comprises. The method of claim 2, Receiving a request for charging a predetermined amount for the terminal user who has received the dual combination identification code from the cyber money charging station, Receiving a request for charging a predetermined amount of money using a POS terminal, or receiving a request for charging the amount of money through a mobile phone payment selection of a swap menu. The method of claim 3, wherein Receiving a request to charge the amount of money through the mobile phone payment selection of the swap menu, Receiving information including at least one of a content provider, an ID, a password, and a mobile communication terminal number; Transmitting an SMS according to the input; Step to be requested to charge money by selecting mobile payment in the Wap menu Authentication center control method of the personal recognition payment service using a double combination identification code comprising a. The method of claim 1, The user identification information, Personal identification payment service using a dual combination identification code, characterized in that it comprises at least one of an ID, password, mobile phone number or social security number. The method of claim 2, Informing the charge amount, Personal recognition payment service method using a dual combination identification code, characterized in that notified by using SMS. A computer-readable recording medium in which a program for executing the method of any one of claims 1 to 6 is recorded. A barcode request unit which sends a dual combination identification code request signal including user identification information of a specific affiliate store and a terminal; A storage unit for receiving and storing a dual combination identification code generated from a combination identification code sending center according to a request of the barcode request unit; A charge request unit requesting a predetermined amount of charge using a dual combination identification code stored in the storage unit; Display unit indicating the charge amount and user information provided in response to the request from the charge request unit Authentication center control apparatus for a personal recognition payment service using a dual combination identification code comprising a. A terminal request input unit receiving a request for charging a predetermined amount of money according to the presentation of a double combination identification code consisting of first stage identification code information for identifying a specific affiliate store and two stage identification code information for identifying the user; A cache gate for requesting charging of a predetermined amount to a customer DB of a mobile code authentication center using the dual combination identification code according to a request of the terminal request unit; Receipt output unit for receiving and outputting the charging result for the request of the cache gate from the mobile code authentication center Cyber money charging station server control device of a personal identification payment service using a dual combination identification code comprising a. The method of claim 8, The terminal request input unit receiving a request for charging a predetermined amount according to the presentation of the double combination identification code, And a bar code scanner for scanning the identification code displayed on the liquid crystal display of the mobile communication terminal. The server control apparatus of the cyber money charging station of the personal identification payment service using the combination identification code. A confirmation request input unit for requesting confirmation of membership of the terminal owner who has requested to send the dual combination identification code using the user identification information; A member identification unit for confirming whether user identification information of the terminal owner who has requested the dual combination identification code is identical to a registered member; An amount charging unit configured to charge a predetermined amount for the member in accordance with a request for charging at a cyber money charging station when it is matched with previously registered member information as a result of the confirmation of the member verification unit; Result transfer unit for notifying the customer DB stored the double combination identification code of the charge amount and the member information Merchant server control device of a personal identification payment service using a dual combination identification code comprising a. The method of claim 11, An additional service providing unit providing a predetermined additional service for a specific customer or the additional charging for the corresponding customer that the user identification information matches. Merchant server control device of a personal identification payment service using a dual combination identification code, characterized in that it further comprises. Receive a dual combination identification code request signal including a specific merchant and user identification information of the terminal from any terminal, and from the server side of the specific merchant, whether the identification information of the terminal user is valid information for a registered member Receiving unit for receiving a confirmation result; A transmitter for transmitting identification information of the terminal user to a server side of a specific affiliated store according to a combination identification code request from the receiver; A customer DB for mapping and storing identification code information identifying the user and the user when the user identification information of the terminal is valid information for a registered member; A combination identification code generation unit for generating a double combination identification code by combining the first stage identification code information for identifying the specific affiliate store and the second stage identification code information for identifying the user; And Bar code transmission unit for transmitting the double combination identification code generated by the combination identification code generation unit to the arbitrary terminal Authentication center control apparatus for a personal recognition payment service using a dual combination identification code comprising a. The method of claim 13, The customer DB is an authentication center control device for a personal identification payment service using a dual combination identification code, characterized in that it comprises at least one of a two-stage identification code, merchant, ID, or mobile phone number. The method of claim 13, The customer DB for mapping and storing the identification code information identifying the user, A management number generation unit for generating a unique customer management number using member information consisting of the terminal user identification information and identification code information identifying the user; Member information management unit for processing at least one member information of the member registration information, member correction information, or withdrawal information Authentication center control apparatus for a personal recognition payment service using a dual combination identification code comprising a.

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