KR20100020356A - Terminal for a self-settlement - Google Patents

Abstract

PURPOSE: A terminal for self-settlement is provided to simplify a payment process by enabling the terminal to transmit card information and self-payment information to a card company server. CONSTITUTION: A person authentication unit(121) authenticates a user for every self-payment, and a payment information input window display unit(123) displays a payment information input window of pre-defined format. A payment information transmission unit(125) sets up the input information and the card information as self-payment information. The card information is selected by a user, and the payment information transmission unit transmits the self-payment information to a selected card company server. A payment completion processor(127) displays the payment approval result from the selected card company server.

Description

Self payment terminal {TERMINAL FOR A SELF-SETTLEMENT}

The present invention relates to a payment system, and more particularly to a terminal for self-payment that can be used without a card terminal.

It is a card payment system that has been generalized as a financial transaction system. A typical card payment system includes a card having a magnetic strip (MS) and a card terminal that reads the card and requests payment approval. In order to use the traditional card payment system, it is necessary to carry a card of a certain size, and as a result of the various problems associated with the card, for example, the risk of using another person due to loss, inconvenience of possession, etc. Reached.

As an alternative means, an electronic card may be used as a payment method that is widely spread. In order to use such an electronic card, each card affiliated store must be provided with a card terminal for requesting payment approval by communicating with the electronic card. However, since the number of card terminals that can recognize an electronic card is significantly smaller than that of a general MS type card terminal, the use of the electronic card is extremely limited for electronic card issuers.

Therefore, an object of the present application is to provide a self-payment that can be remotely processed using the electronic card even where there is no terminal capable of reading information recorded on each of the various forms of payment including an electronic card and a membership card. To provide a payment terminal.

Self payment terminal according to an embodiment of the present invention for achieving the above object is a portable communication terminal equipped with an electronic card and wireless communication,

An identity verification unit for authenticating the user at each self payment;

A payment information input window display unit for displaying a payment information input window in a predefined format;

A payment information transmission unit for setting the information input through the input window as self payment information together with the card information of the electronic card selected by the user and transmitting the information to the selected card company server;

And a payment completion processing unit for displaying the payment approval result transmitted from the selected card company server.

Further, the terminal further includes a user signature storage unit for receiving and storing the user signature, wherein the payment information transmitting unit is characterized in that it transmits the stored user signature with each time the self-payment information transmission.

The self-payment terminal according to another embodiment of the present invention is a portable communication terminal equipped with a communication unit for communicating with a card company server through a mobile communication network and an electronic card storing a plurality of card information.

An identity verification unit for authenticating the user at each self payment;

A card list display unit for displaying payment usable cards;

A payment information input window display unit for displaying a payment information input window in a format presented by the selected card company;

A payment information transmission unit for setting the information input through the input window as self payment information together with the card information of the electronic card selected by the user and transmitting the information to the selected card company server;

And a payment completion processing unit for displaying the payment approval result transmitted from the selected card company server.

Furthermore, a user signature storage unit for receiving and storing the user signature;

If there is no payment information input window corresponding to the selected card company, the input window transmission request unit for requesting the transmission of the payment information input window to connect to the selected card company server, and receiving and storing the input window; characterized in that it further comprises.

According to the problem solving means of the present invention as described above, the terminal user through the payment information input window and the information (merchant information, seller mobile number) of the goods seller or service provider and the purchase information (purchase price, installment months) and The billing information is input together with the card information and sent to the card company server as the card payment information. The card company server processes the purchase price based on the received card information, and the result is the mobile phone of the seller or the service provider. Send SMS to the terminal and send the payment approval result to the corresponding terminal. Accordingly, the terminal user, the seller of goods, or the service provider can recognize that the payment is normally completed. On the basis of this fact, the self-payment terminal equipped with the electronic card has an effect that can be usefully used even in a place where the electronic card reader is not provided.

Furthermore, if the membership card also stores the card information in the electronic card, the cyber money accumulated in the membership card can be conveniently used for self-payment anytime, anywhere, and a separate bansa is not required. There are also side effects that can be simplified.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, if it is determined that a detailed description of related known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

First, FIG. 1 illustrates a system configuration to which the present invention is applicable. As shown in FIG. 1, the self-payment terminal according to the embodiment of the present invention assumes the purchaser's terminal 100, and more specifically, is a portable communication terminal equipped with an electronic card. The terminal 100 for self payment may be connected to each card company server 300 to 320 through a mobile communication network, and the application program for implementing a self payment service according to an embodiment of the present invention may be a communication company server or a card company server 300. ~ 320) can be downloaded. In the following description, an application for implementing a self payment service is called a self payment service applet. The reason for this is that the application can be written in a Java language executable on a virtual machine of the terminal. Of course, it may be mounted as a terminal-specific application program and executed by the terminal controller.

On the other hand, the self payment terminal 100 transmits the self payment information generated by the self payment service applet to the card company servers 300 to 320, and each of the card company servers 300 to 320 processes payment approval based on the received self payment information. After that, it sends the result to the mobile phone of the seller or service provider included in the self-payment information. Of course, the payment approval processing result is also transmitted to the corresponding terminal 100 through the communication network.

Hereinafter, the configuration of the self payment terminal 100 will be described in more detail with reference to the accompanying drawings.

2 is a block diagram of a self payment terminal according to a first embodiment of the present invention, and FIG. 3 illustrates a payment information input window for explaining an embodiment of the present invention.

Referring to FIG. 2, the wireless communication unit 105 modulates and frequency-converts a call or a text message and information to be transmitted and transmits it as a wireless signal through an antenna ANT, and receives a signal other than voice data from the received wireless signal. The signal is separated and frequency-converted and demodulated and transmitted to the terminal controller.

The display unit 110 is a general LCD that displays an operation state of a terminal for self-payment. The display unit 110 displays a payment information input window output by the payment information input window display unit 123 described later.

The keypad 115 also includes a keypad and a touch screen of a general portable communication terminal, and may input a user signature through a touch screen.

On the other hand, a self-payment service applet that can be run on a virtual machine (VM) mounted in the terminal is a collection of Java program modules, and is stored in the terminal memory 140 or the memory 135 in the electronic card 130 to be described later, and then accessed and executed. Do. The self payment service applet data includes at least a data group for displaying seller information, purchase information, and a card selection input window, and information input through the input window together with card information of an electronic card selected by the user as self payment information. Information transmission data group for transmitting to the selected card company server, and a data group for displaying the payment approval result received from the selected card company server. Each of these data groups may be implemented by the payment information input window display unit 123, the payment information transmission unit 125, and the payment completion processing unit 127.

Furthermore, the applet data may further include a personal authentication data group for authenticating the user when the self payment service applet is executed, and a data group for receiving and storing a user signature, and these data groups are also the personal authentication unit 121. ) And the user signature storage unit 129. For reference, the user authentication may be performed by requesting input of a PIN number used to authenticate a user in the electronic card 130. Unlike this, the user may verify a pre-registered password or use a public certificate. May be

Meanwhile, the self payment terminal 100 according to the embodiment of the present invention includes an electronic card 130 module which stores personal information, card information, and server connection information of a card company which is a card issuer. The electronic card 130 module is also called a SIM card, USIM card.

The configuration of the electronic card 130 is a control unit 133 that can be implemented as a microprocessor as shown in Figure 3, a memory for storing control program data and various applet configuration data for the card operating system (COS) and card use ( 135). Looking at the file structure stored in the memory 135 of the electronic card there is a master file which is a dedicated file of the root level (root level) at the top, the debit card, credit card, financial common network, electronic money under the master file Dedicated files such as certificates, certificates, affiliated services, etc. are optionally added and located. Each dedicated file can have multiple work element files as sub files. Self payment service applet according to an embodiment of the present invention will also be able to configure one dedicated file.

As described above, the electronic card 130 including the memory 135 and the controller 133 may transmit and receive data with the main body of the terminal 100 through the interface (I / F) of the terminal for self payment.

Meanwhile, FIG. 3 illustrates a payment information input window displayed by the payment information input window display unit 123 described above. As shown in the figure, the terminal user inputs merchant information that is a merchandise seller or a service provider through a keypad 115 for self-payment, and a seller of goods is sent a payment approval result via SMS in a terminal for receiving an SMS. Enter your mobile phone number to receive. The price of the purchased item is entered in the purchase item price column and the desired number of installment months in the installment month column. The payment information input window may be used for all payments by defining one standardized format regardless of the card company and the card type, and may use a dedicated format provided by each card company as shown in FIG. 5. .

Hereinafter, a self payment process performed in the self payment terminal 100 having the above-described configuration will be described with reference to FIG. 4. In the following, it is assumed that only one credit card information for financial settlement is stored in the electronic card 130.

Referring to FIG. 4, first, a terminal user who has received an electronic card having recorded card information through a financial institution accesses a financial institution server that has issued a card, and downloads a self-paying service applet according to an embodiment of the present invention. 130 or in the terminal 100 memory 140. That is, the terminal user may download and use an applet for each card company in order to use the self payment service. For reference, the applet may include server access information for accessing a corresponding financial institution, that is, a card company server. In some cases, the applet may be stored in advance in an electronic card to issue an electronic card.

After downloading the applet, the terminal user selects self payment on the menu when purchasing goods at a store that does not have an electronic card reader (step S1). When the self payment is selected as described above, the applet for implementing the self payment service is loaded from the electronic card 130. The user authentication unit 121 of the loaded applet, for example, requests input of PIN information, and authenticates the user by comparing the PIN information input by the user with the stored information (step S2).

If the authentication is completed normally, the payment information input window display unit 123 displays the payment information input window as shown in FIG. 3 (step S3). Accordingly, the terminal user may complete input of the seller information (including the seller identification information and the SMS receiving terminal phone number) and the purchase information (including the price of the purchased product and the installment month) (step S4).

When the information input is completed through the payment information input window, the payment information transmission unit 125 accesses the electronic card information and sets the self payment information together with the information input through the input window and transmits the information to the designated card company server 300. (Step S5). Since the server connection information of the card company server 300 is already stored in the electronic card 130 or can be transmitted with the applet, the information may be used.

Meanwhile, the card company server 300 receiving the self payment information extracts the seller identification information, the card information, and the purchase information from the received self payment information, and searches the card payment approval. If there is no abnormality in the search result, it accumulates as sales information of the seller identification information and transmits the payment approval information to the mobile terminal of the seller by SMS. In addition, the terminal transmits the result to the terminal 100 requesting the payment approval inquiry. Accordingly, the user of the terminal 100 and the seller can recognize each other whether the payment processing according to the sale (purchase) of goods through their terminal is completed normally.

Therefore, if the self-payment terminal 100 according to the first embodiment of the present invention is used, the electronic card can be used at the time of payment even in a place where the electronic card reader is not provided.

Although not described in the above embodiment, the communication channel may be maintained between the terminal 100 and the card company server 300 after the self payment information is transmitted, or the connection channel may be immediately disconnected after the self payment information is transmitted in order to reduce communication costs. . In this case, payment approval information may be transmitted through SMS.

Furthermore, in the above embodiment, the user signature storage unit may receive and store the user signature in order to transmit the user's signature together with the self-payment information transmission. The signature input time can be used when the applet is downloaded or when the applet is first run.

Hereinafter, a self payment terminal according to a second embodiment of the present invention will be described with reference to FIGS. 5 and 6.

First, FIG. 5 is a block diagram of a self payment terminal according to a second embodiment of the present invention, and shows only the self payment service applet 120 -B that can be run on a virtual machine among the components shown in FIG. 2. will be. Other terminal configurations are the same as in FIG. 2 and will be omitted. However, unlike the first embodiment, the electronic card of the self payment terminal according to the second embodiment of the present invention stores a plurality of electronic cards, for example, credit card, membership card, and check card information. It is assumed that connection information of each of these card companies is stored together.

Referring to FIG. 5, the self payment service applet data according to the second embodiment of the present invention also includes an identity authentication data group for authenticating a user when the applet is executed, and a data group for displaying payment enabled cards. Each of these data groups may be implemented by the user authentication unit 151 and the card list display unit 152. In addition, the applet data is a data group for displaying a payment information input window in a format presented by a card company selected by the user, and the self-payment information together with the card information of the electronic card selected by the user through the information input through the input window. Set to include the data group for transmission to the selected card company server. Each of these data groups may be implemented by the payment information input window display unit 153 and the payment information transmission unit 154.

In addition to these data groups, the self-payment service applet data according to the second embodiment of the present invention further includes a data group that can be implemented by the payment completion processing unit 155. The payment completion processing unit 155 is a payment received from a selected card company server. It displays a result of the approval on the display unit 110. Furthermore, the user may further include a data group for receiving and storing the user signature, that is, the user signature storage unit 156. It may further include a data group for requesting window transmission and receiving and storing the input window. Such a data group may be implemented by the input window transmission request unit 157.

Hereinafter, an operation of a self payment terminal that performs self payment by mounting the above-described self payment service applet data will be described with reference to FIG. 6.

First, a terminal user equipped with an electronic card having a plurality of card information recorded thereon accesses a recommended financial institution server, downloads a self-paying service applet according to the second embodiment of the present invention, and uses the electronic card 130 or the terminal 100. The memory 140 stores the same. In the downloaded service applet, there are not only server connection information of affiliated card issuers, but also payment information input window information of different formats presented by each card issuer.

Meanwhile, the terminal user who has downloaded the applet selects self payment on the menu when he / she purchases an item at a store that does not have an electronic card reader. When the self payment is selected as described above, the applet for implementing the self payment service is loaded from the electronic card 130, and the user authentication unit 151 of the loaded applets, for example, requests for input of PIN information to authenticate the user (step S11). .

If the identity authentication is completed normally, the card list display unit 152 displays a list of available electronic cards. The user selects one card for payment (step S12). If there is no payment information input window information corresponding to the card company selected by the user, the input window transmission request unit 157 connects to the card company server using the server access information stored in the electronic card 130 and enters the payment information input window. Request for transmission, and receives the payment information input window therefrom and stores it in the electronic card 130 (step S13).

As such, if the payment information input window information of the card company selected by the user exists in the electronic card 130, the payment information input window display unit 153 displays the payment information input window as shown in FIG. Accordingly, the terminal user may complete the input of the seller information (including the seller identification information and the SMS receiving terminal phone number) and the purchase information (including the price of the purchased product and the installment month) (step S15).

When the information input is completed through the payment information input window, the payment information transmitter 154 accesses the selected electronic card information and sets the self payment information together with the information input through the input window to the designated card company server 300. Transfer (step S16). The card company server 300 receiving the self payment information extracts the seller identification information, the card information, and the purchase information from the received self payment information, and checks the card payment approval (step S17). If there is no abnormality in the search result is accumulated as the sales information of the seller identification information and the payment approval information is sent to the mobile terminal 200 of the seller SMS (step S20). In addition, the terminal transmits the result to the terminal 100 requesting the payment approval inquiry (step S18). Accordingly, the user of the terminal 100 and the seller can recognize each other whether the payment processing according to the sale (purchase) of goods through their terminal is completed normally.

Therefore, when the terminal 100 for self payment according to the second embodiment of the present invention is used, payment can be performed using an electronic card even in a place where the electronic card reader is not provided.

For reference, various taxes or utilities to be paid through Giro paper can also be paid using the self payment terminal of the present invention. For example, in the payment window shown in FIG. 3, there is a method of performing payment by simply inputting the seller identification information as identification information of the paper issuer, and connecting to each paper issuer server and distributing it by the institution. There may be a way to download and use. This self payment service applet will be performed in the same manner as described in FIG.

Therefore, the true technical protection scope of the present invention should be defined only by the appended claims.

1 is an exemplary system configuration to which the present invention is applicable.

Figure 2 is a block diagram of a terminal for a self payment according to a first embodiment of the present invention.

Figure 3 is an illustration of a payment information input window for explaining an embodiment of the present invention.

4 is a flowchart for explaining an embodiment of the present invention.

Figure 5 is a block diagram of a terminal for a self payment according to a second embodiment of the present invention.

6 is a flowchart illustrating a self payment process according to a second embodiment of the present invention.

Claims (14)

In the self-payment terminal equipped with a communication unit for communicating with the card company server via a mobile communication network, and an electronic card storing the card information, An identity verification unit for authenticating the user at each self payment; A payment information input window display unit for displaying a payment information input window in a predefined format; A payment information transmission unit for setting the information input through the input window as self payment information together with the card information of the electronic card selected by the user and transmitting the information to the selected card company server; Self-payment terminal comprising a; payment completion processing unit for displaying the payment approval result sent from the selected card company server. The self payment terminal of claim 1, further comprising a user signature storage unit for receiving and storing a user signature. The self-payment terminal of claim 2, wherein the payment information transmitting unit transmits the stored user signature every time the self-payment information is transmitted. The method according to claim 1 or 2, wherein the payment information input window display unit, And displaying an input window for inputting at least the seller identification information, the seller's communication terminal information, the price of the purchased article, and the installment information. In the self-payment terminal equipped with a communication unit for communicating with a card company server via a mobile communication network, and an electronic card storing a plurality of card information, An identity verification unit for authenticating the user at each self payment; A card list display unit for displaying payment usable cards; A payment information input window display unit for displaying a payment information input window in a format presented by the selected card company; A payment information transmission unit for setting the information input through the input window as self payment information together with the card information of the electronic card selected by the user and transmitting the information to the selected card company server; Self-payment terminal comprising a; payment completion processing unit for displaying the payment approval result sent from the selected card company server. The self payment terminal according to claim 5, further comprising a user signature storage unit for receiving and storing a user signature. The self-payment terminal of claim 6, wherein the payment information transmitting unit transmits the stored user signature every time the self-payment information is transmitted. The method according to claim 5, If there is no payment information input window corresponding to the selected card company, access to the selected card company server request to send the payment information input window and the input window transmission request unit for receiving and storing the input window; Self payment terminal. The method according to claim 5, 6, 8, wherein the payment information input window display unit, And displaying an input window for inputting at least the seller identification information, the seller's communication terminal information, the price of the purchased article, and the installment information. The method according to claim 5, 6, 8, wherein the payment information input window display unit, Self-payment terminal characterized in that it displays an input window for requesting at least the information, the payment price and the installment information of the paper issuer. The method according to any one of claims 5, 6, and 8, wherein the user authentication unit, the card list display unit, the payment information input window display unit, the payment information transmission unit, and the payment completion processing unit are applets that are executed based on a virtual machine. Self payment terminal, characterized in that stored in the electronic card. In the self-payment terminal equipped with a communication unit and an electronic card for communicating with an external server through a mobile communication network, A virtual machine for providing an applet execution base; A memory for storing self-payment service applet data executable on the virtual machine, wherein the self-payment service applet data is: A data group for displaying at least seller information, purchase information, and a card selection input window; An information transmission data group for setting the information input through the input window as self payment information together with the card information of the electronic card selected by the user and transmitting the information to the selected card company server; And a data group for displaying a payment approval result received from the selected card company server. 13. The apparatus of claim 12, further comprising: a user authentication data group for authenticating a user when the self payment service applet is executed; And a data group for receiving and storing a user signature in the memory. The terminal of claim 12 or 13, wherein the data groups constituting the self-payment service applet data are stored in a memory of the electronic card and loaded and executed in the memory every self-payment.

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