KR20120087755A - Finance transaction system using smart phone - Google Patents

Finance transaction system using smart phone Download PDF

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Publication number
KR20120087755A
KR20120087755A KR1020110058595A KR20110058595A KR20120087755A KR 20120087755 A KR20120087755 A KR 20120087755A KR 1020110058595 A KR1020110058595 A KR 1020110058595A KR 20110058595 A KR20110058595 A KR 20110058595A KR 20120087755 A KR20120087755 A KR 20120087755A
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mobile terminal
payment
server
code
financial transaction
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KR1020110058595A
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Korean (ko)
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이왕주
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(주)와이제이인터와이드
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
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Abstract

The present invention enables a mobile terminal user to perform mutual payments using a mobile terminal even if the mobile terminal user does not know the payment method or payment destination of the other party, and the cost for the product, the cost for the service, and general Make the transfer possible.

Description

Financial transaction intermediation system using a mobile terminal {Finance transaction system using smart phone}

The present invention relates to a financial transaction brokerage system using a mobile terminal, and more particularly, to a financial transaction brokerage system using a mobile terminal for mediating financial transactions between mobile terminals and mediating product purchases and service purchases. .

Currently, mobile phones and smartphones have a chip for paying a fee, and are used to perform a micro payment in a mobile environment using the embedded chip.

Mobile payments have the advantage of allowing smartphone (or mobile) users to purchase goods even without cash, but they limit the amount of payment, and most of all, direct financial transactions between parties using mobile terminals. Not supported This is due to the fact that small payments can be made in mobile environments only at businesses and stores equipped with readers that recognize chips embedded in smartphones (or mobile phones). It is not implemented in the form of a transfer, payment for a product, or a service fee.

Accordingly, the present applicant intends to propose a financial transaction intermediation system using a mobile terminal to provide a mobile payment environment between smartphone users, and allow the parties to directly handle the costs for goods and services.

It is an object of the present invention to provide a financial transaction intermediation system using a mobile terminal that allows a party using a mobile terminal to pay or receive goods and services.

According to the present invention, the first mobile terminal transmits any one of the built-in credit card information, and credit card information obtained by contacting the first mobile terminal to a payment gateway (PG) server to the second mobile terminal. When performing a payment request for paying a terminal, a payment request for the second mobile terminal is received from the PG server, and the second mobile terminal requests one of an affiliate store code and an account number as a payment code. If the payment code does not exist, the payment code processing module for providing the PG server to the PG server after allocating a virtual account number for the second mobile terminal, and the PG server responds to the payment request to pay the cost through a financial server. When the payment is processed, the payment details are received from the PG server and notified to either one of the first mobile terminal and the second mobile terminal. It is achieved by an authentication module that transmits an authentication code to any one of the mobile terminals, and receives the feedback and processes the authentication.

According to the present invention, it is possible to pay directly to the other party providing a product or service using a mobile terminal, thereby improving the mobile financial transaction environment.

1 is a schematic conceptual diagram of a financial transaction intermediation system using a mobile terminal according to an embodiment of the present invention.
2 is a conceptual diagram of a financial transaction intermediation system using a mobile terminal according to another embodiment of the present invention.
3 is a conceptual diagram of a financial transaction intermediation system using a mobile terminal according to another embodiment of the present invention.
4 is a conceptual diagram of a financial transaction intermediation system using a mobile terminal according to another embodiment of the present invention.
5 is a block diagram of a mediation system according to an embodiment of the present invention.
6 to 8 illustrate reference diagrams for explaining a process of processing a payment using a mobile terminal.

Before proceeding to the description of the present invention,

The financial server mentioned in the present invention may be a card company server, a bank server, and various other types of financial company servers.

The cost referred to in the present invention refers to the cost of selling goods and the cost of selling services, but transfers between individuals may also be included therein. That is, even if a product or service is not provided, it can be described that a cost is provided.

The mobile terminal mentioned in the present invention may access a PG server and request or grant a payment. The portable terminal means a mobile terminal, a smart phone, a PDA, a notebook, and other types of terminals that can be used while the user is on the go. . Accordingly, the portable terminal may be in various forms in addition to those mentioned above.

In the present invention, the reference numeral "50" is assigned to the portable terminal of the requesting product or service, and the reference numeral "60" is assigned to the portable terminal of the side providing the product or service.

The "payment request" referred to in the present invention means a request to pay for a product or service, and is requested from the mobile terminal to the PG server. Requests for payment may also apply to bank transfers and financial transactions between individuals for whom goods or services are not provided. Also, payment authorization means that the party receiving the fee grants the fee.

In the present invention, it is described that the mobile terminal makes a request for payment and a payment authorization. However, in the present invention, all the processes for the cost processing are performed by an app installed in the mobile terminal, and the app runs in the mobile terminal to access the PG server, and proceeds with the cost processing in the connected state. Therefore, for the convenience of explanation and understanding of the present invention, the description described so that the mobile terminal becomes the subject will be clarified in advance that the app installed in the mobile terminal processes the process.

The financial transaction intermediation system using the mobile terminal of the present invention will be described as a mediation system for the purpose of briefly describing the detailed description.

The payment code referred to in the present invention means a "merchant code" to be provided to the PG server at the side of receiving the cost when the payment is made to the card by the mobile terminal, or the bank "account number" at the side receiving the cost. "Can mean. In addition, the payment code may be one or more "real accounts" arbitrarily generated in the mediation system or assigned to the mediation system. The details of the payment code are the same throughout the present specification, and unless otherwise described, the above descriptions shall apply mutatis mutandis.

Hereinafter, the present invention will be described in detail with reference to the drawings.

1 is a schematic conceptual diagram of a financial transaction intermediation system using a mobile terminal according to an embodiment of the present invention.

Referring to FIG. 1, a financial transaction intermediation system using a portable terminal according to the present invention includes two portable terminals 50 between a portable terminal 50 on a paying side and a portable terminal 60 on a receiving side. It can be seen that it is configured to mediate the payment of 60).

In order for the mobile terminals 50 and 60 to perform mutual payments, the mobile terminal 50 must be installed with an app for accessing the PG server 300 and performing a payment request on the PG server 300. When the app is driven by a user's key input or touch input, the mobile terminal 50 or 60 should be able to access the PG server 300.

Assuming that payment is made from the mobile terminal 50 to the mobile terminal 60 and the card is settled, the mobile terminal 50 may or may not include card information.

For example, when an NFC chip having a NFC (Near Field Communication) function is embedded in the mobile terminal 50 or 60, when the app is driven, card information embedded in the NFC chip is wirelessly transmitted to the PG server 300. Immediate card payments can be made.

In this case, the mobile terminals 50 and 60 may be equipped with a USIM chip for network connection and subscriber authentication, or a built-in NFC chip that is integrally combined with the USIM chip. In this case, the mobile terminals 50 and 60 provide the subscriber information embedded in the USIM chip to the communication company server 250 to process user authentication and then provide card information before proceeding with the payment using the NFC chip. Payment can be made in order.

In this case, when the USIM chips are mounted on the mobile terminals 50 and 60, the method of using the USIM chips in the portable terminals 50 and 60 may be different.

When the mobile terminals 50 and 60 are Android-based operating systems, the mobile terminals 50 and 60 may acquire subscriber information stored in the USIM chip and use them for user authentication. However, if the mobile terminals 50 and 60 are not Android-based operating systems, subscriber information may not be obtained from the USIM chip.

The Android operating system developed and distributed by Google is an open operating system, and the subscriber information of USIM can be used by mobile terminals 50 and 60.However, in the case of the iPhone operating system developed by Apple, the USIM chip uses the subscriber information. Difficult to obtain Therefore, when the operating system installed in the mobile terminal 50 or 60 is not an Android-based operating system or when subscriber information stored in the USIM chip is not available, a combination of the following two types may be used as information for subscriber authentication. Can be.

1) Mobile phone number + password.

2) Mobile phone number + PIN code.

On the other hand, when the NFC chip is not embedded in the mobile terminals 50 and 60, the mobile terminals 50 and 60 may have an RFID reader for reading card information from the chip embedded in the smart card. Currently, a portable terminal having an NFC function is often embedded with an RFID reader, and in the present invention, the portable terminals 50 and 60 may read card information when located at a short distance with a smart card capable of short-range wireless communication. Can be.

In this case, the smart card may be provided with a SAM (secure application module) function designed to send and receive encrypted wireless information. The SAM function may be implemented in the form of hardware or software, but is not limited thereto.

On the other hand, the mobile terminal 50, 60 may perform a mobile financial payment using a rechargeable payment card such as T-money.

T-money is a kind of short-range tag that can charge a certain amount of money. When an RFID reader is installed in the mobile terminal 50 or 60, the T-money may acquire a unique number assigned to the T-money or an encrypted chip number. This may be provided to the PG server 300 to process payment for goods or services. In this case, the PG server 300 and the intermediary system 100 may perform authentication for the T-money user. However, due to the nature of T-money, the amount payable may be limited by the amount charged in T-money.

When the RFID readers are built in the mobile terminals 50 and 60, the mobile terminals 50 and 60 can obtain the card information of the smart card only by placing the smart card near the mobile terminals 50 and 60. Using this, the card information may be transmitted to the PG server 300 and a payment request may be performed.

Therefore, when performing payment from the mobile terminal 50 to the mobile terminal 60, the user of the mobile terminal 50 can proceed directly to the PG server 300, and the user of the mobile terminal 60 The cost may be obtained through the PG server 300. This is a payment method of an existing smart card or a general credit card, that is, a payment by scraping a credit card to a heavy card reader, or the user of the mobile terminal 60 is a credit card or a smart card of the user of the mobile terminal 50. You can greatly improve the inconvenience of the way the payment was made by touching the reader close to.

In the financial transaction intermediation system according to the present invention, the payer does not have to hand his credit card or smart card to the payee, and the payer is able to proceed with the payment to the PG server 300. Can be.

This means that the paying party and the paying party do not have to meet in person to pay the bill. Means none.

On the other hand, when the card payment in the mobile terminal 50, the merchant code may be provided from the mobile terminal 60 to the PG server 300, may not be.

Merchant code is information that should be provided to the PG server 300 and the financial server 200 when performing the card payment, the mobile terminal 50 and the user of the mobile terminal 60 may be registered with the merchant, otherwise In some cases.

For example, if the user of the mobile terminal 50, 60 is a one-time worker, an agent, or an irregular worker, a company, or a self-employed person, it is likely that the user of the mobile terminal 50, 60 is not registered as a card merchant, and the merchant code May not be provided to the PG server 300.

The user of the mobile terminal 50, 60 may be a buyer who is one of the buyers, and the other party may be a vendor that provides goods or services, and both sides may be vendors.

In addition, even if either side of the user of the mobile terminal (50, 60) is a vendor, if the company is small or registered merchants, the PG server 300 may not be able to perform the card payment.

In this case, when a payment request is generated from the mobile terminal 50 to the PG server 300, the PG server 300 may request a payment code from the mediation system 100, and the mediation system 100 may use the mobile terminal 50. ) Can be obtained by requesting a payment code and providing it to the PG server 300.

Here, the payment code may be any one of a merchant code, an account number, and a virtual account number.

Merchant code means the code information that must be provided to the PG server 300 in the card payment, the side performing the card payment,

If the account number does not have a merchant code, the user of the mobile terminal 60 corresponds to the account number available for deposit and withdrawal of expenses,

The virtual account number is used when the user of the mobile terminal 50 or 60 cannot provide the account number or when the user cannot remember the account number. The virtual account number is used by the mediation system 100 to transmit the virtual account number to the PG server 300. It may be in the form of generating and providing, or providing a single account number assigned to the mediation system 100 to the PG server 300.

That is, the virtual account number may be a real account held by the mediation system 100 or a number system arbitrarily generated each time a payment is made between users of the mobile terminal 50 or 60.

When the intermediary system 100 fails to provide the affiliated store code in the mobile terminal 50, the mediation system 100 requests a payment code from the mobile terminal. At this time, the screen of the mobile terminal 50

1) Account Number

2) A menu for selecting one of the virtual account numbers may be displayed, and when the user of the mobile terminal 50 selects the account number, the user of the mobile terminal 50 may obtain an account number input through the mobile terminal 50. Can and

On the other hand, when the user of the mobile terminal 50 selects a virtual account number, in response to this, a virtual account number is generated and provided to the PG server 300 or the real account number assigned to the mediation system 100 is supplied to the PG server 300. It may be provided to the server 300.

If the account number of the user of the mobile terminal 50 is known (when there is a history of performing the payment through the mediation system previously), the mediation system 100 uses the account number as the payment code of the user of the mobile terminal 50. When selecting, the procedure of inquiring the account number to the user of the mobile terminal 50 may be omitted, and the account number of the previously used user may be improved to the PG server 300.

The intermediary system 100 may provide a merchant code to the PG server 300 to enable the card payment to be performed when the user of the mobile terminal 50 or 60 is not registered with the merchant.

For example, when the user of the mobile terminal 60 is a vendor that is not registered with the affiliated store, the intermediary system 100 may assign a retained affiliated code and notify the PG server 300 of this. The brokerage system 100 according to the present invention should be registered as one affiliate store, and the brokerage system 100 may provide a merchant code assigned thereto to the PG server 300 to process card payments when necessary. .

In addition, when the intermediary system 100 processes the payment approval for the payment request on the mobile terminal 50 side, the mobile terminal 60 sends an authentication code to the mobile terminal 60 and receives the received authentication code. 60) can be performed. At this time, the intermediary system 100 may receive an authentication code provided from the financial server 200 through the PG server 300, and transmit the authentication code to the mobile terminal 60 as a short message service (SMS). If the correct authentication code is fed back in (60), it can be notified to the PG server 300 to proceed with the payment for the payment.

That is, the intermediary system 100 according to the present invention, by replacing the card merchant, or by processing the authentication required in the payment process, even if the mobile terminal (50, 60) user is located in the remote or short-range mobile financial payment Make sure to run smoothly.

On the other hand, the app installed in the mobile terminal (50, 60) is a program having a function described below should be capable of being driven in the mobile terminal (50, 60).

-Down-

-Wireless access to the PG server 300,

A function of obtaining and displaying an authentication number from the intermediate system 100 by accessing the intermediate system 100 and transmitting a user input to the intermediate system 100 with respect to the obtained authentication number;

An interface for selecting a payment code, and a function for transmitting the selected payment code to the mediation system 100,

-Request for payment confirmation to the mediation system 100,

-Function to display the interface for payment on the screen of the mobile terminal (50, 60), in this case, the menu for requesting the cost, the menu requesting the processing result for the requested amount of payment, the deposited cost, authentication number It includes a menu for transmitting to the mediation system 100,

An interface for requesting and receiving a result of payment.

On the other hand, the mobile terminal 50 may be embedded in the official certificate, it may be used to pay for the payment request through the embedded official certificate.

2 is a conceptual diagram of a financial transaction intermediation system using a mobile terminal according to another embodiment of the present invention.

The mediation system according to FIG. 2 illustrates an example of brokering a commodity transaction. Referring to FIG. 2, the mobile terminal 50 uses an embedded camera (not shown) for offline media such as advertisements, billboards, and the like. And photographing a product code (eg, a Quick Response (QR) code) described in other newspapers or magazines and providing it to the mediation system 100, or reading a QR code value and providing it to the mediation system 100, or the product code is When configured as a numeric string, it may be provided directly to the mediation system 100. The manner of providing the commodity code to the mediation system 100 may be as described below.

-Down-

If the commodity code is a conventional barcode or QR code, the mobile terminal 50 may image the QR code and provide it to the intermediary system 100.

When the commodity code is a barcode or a QR code, the mobile terminal 50 may capture a barcode (or QR code), read a code value, and provide the read code value to the intermediary system 100.

-If the product code is a string of numbers, or a mixture of numbers and letters, the user of the mobile terminal 50 inputs the product code using an interface provided by the app for code input and provides it to the mediation system 100. can do.

Assuming that the purchaser's mobile terminal is the reference numeral "50" and the seller's mobile terminal is the reference numeral "60", the intermediary system 100 obtains information about the seller and the seller from the QR code, and then orders goods to the seller. , And delivery can be requested.

In this case, the intermediary system 100 may request that the payment code is selected and provided to the receiving party, that is, the mobile terminal 60. The mediation system 100 provides the PG server 300 with a type and a payment code value of a payment code (for example, one of a merchant code, an account number, and a virtual account number) selected by the mobile terminal 60, and the PG server ( 300 proceeds to the payment to the financial server 200 using the payment code. The PG server 300 receives the payment when the payment is processed by the financial server 200, and provides the received payment to the mediation system 100, and the mediation system 100 requests the payment confirmation from the mobile terminal 50 or 60. The payment details provided by the PG server 300 may be notified.

The mediation system 100 uses the communication server server 250 to obtain the authentication number of the financial server 200 provided through the PG server 300 before proceeding with the payment from the PG server 300 to the financial server 200. The mobile terminal 60 may be transmitted, and the feedback may be provided to the PG server 300 to authenticate the mobile terminal 60. In this case, the PG server 300 may provide the financial server 200 with the authentication number provided by the intermediary system 100 to inquire whether the authentication number is correct.

Meanwhile, the QR code may be printed or attached to the periphery of the product advertised in the offline medium, and the QR code may include a seller (or seller's business number), a place of sale (for example, an Internet URL), a price, and validity information of the advertised product. May be included.

The validity information includes information on the validity period of the sale of the product advertised in the offline medium. In general, if the time when the offline medium is published and the time when the buyer finds the advertisement is significantly different, it may not be valid. For example, in the case of a product sold during a sale period at a mart or a department store, it may not be valid if a buyer requests a purchase after the sale period.

Here, after the mobile terminal 50 captures the QR code, an app (App) for providing the QR code to the mediation system 100 may be installed. When performing a product transaction using a QR code, the App may further include a function of capturing a QR code, acquiring a code value from a captured image, or a captured QR code and transmitting the code value to the mediation system 100. have.

The mediation system 100 recognizes a QR code provided by the mobile terminal 50 to identify a desired product in the mobile terminal 50, checks the seller and the seller of the product, and checks whether the sale is valid by referring to the validity information. To judge. In general, the price of a product advertised through an offline medium may be different from the price at the time of the advertisement and the price thereafter, and may be a limited time sale product or a special product.

When the product desired to be purchased in the mobile terminal 50 is valid, the mediation system 100 requests the seller to deliver the product to the mobile terminal 60 of the seller, or the personal computer (not shown) or the server (not shown) of the seller. You can request to ship the goods. Thereafter, the mobile terminal 50 proceeds to deposit the cost to the PG server 300, and the PG server 300 requests a payment to the financial server 200 when a payment request for the deposit of the cost of the mobile terminal 50 occurs. If the financial server 200 processes the payment approval in response to the payment request, it notifies the mediation system 100.

3 is a conceptual diagram of a financial transaction intermediation system using a mobile terminal according to another embodiment of the present invention.

The mediation system according to FIG. 3 illustrates an example of brokering a service transaction. Referring to FIG. 3, the mobile terminal 50 may illustrate a service applicant, and the mobile terminal 60 may correspond to a service provider. In this embodiment, the service applicant requests a surrogate operation service, and the service provider will be described on the assumption that it provides a surrogate operation service.

The service applicant may apply for a surrogate operation service to the mediation system 100 using the mobile terminal 50, and the service provider may register as a surrogate driver through the mobile terminal 60. In this case, the service applicant and the service provider may register the service condition in the mediation system 100. For example, service applicants and service providers may register their desired service costs or service locations. At this time, the intermediary system 100 determines the position of the mobile terminal 50, 60 through the communication server server 250 that provides a communication service to the mobile terminal (50, 60), or GPS in the mobile terminal (50, 60) The location information may be provided to determine the location of the mobile terminals 50 and 60. Based on this, the mediation system 100 may connect the service applicant and the service provider which is located at the shortest distance among the applicant and the service provider, or may match a service provider that matches the service location desired by the service applicant. When the service applicant and the service provider match, the mediation system 100 notifies the service applicant and the service provider's mobile terminal 50 or 60, and then the mobile terminal 50 or 60 costs the PG server 300. When depositing, the PG server 300 may be notified of whether the money is received or not and may be notified to the mobile terminals 50 and 60.

On the other hand, the intermediary system 100 may provide the merchant code to the PG server 300 on behalf of the paying side of the mobile terminal (50, 60).

As described above with reference to FIG. 1, when the payer of the mobile terminal 50, 60 wants to pay the card, and the payee is not the card merchant, or the payer pays the fee. Or, if the merchant is not registered, the brokerage system 100 may provide its merchant code to the PG server 300 for payment, and the PG server 300 may act on the basis of the payment.

The side requesting a surrogate operation, or the side requesting a surrogate article, may not be able to provide a merchant code or may wish to have a surrogate fee deposited into his or her bank account.

The intermediary system 100 may provide the account number of the user of the mobile terminal 60, instead of providing its affiliate store code to the PG server 300, and if the user of the mobile terminal 60 presents his account number If it is difficult to do so, the virtual account number may be provided to the PG server 300. The process of the PG server 300, the mediation system 100, and the financial server 200 to perform the authentication, the process of making the payment, and the process of requesting and notifying the payment confirmation are described above with reference to FIG. 2. Since it is similar to the above, duplicate descriptions will be omitted, and the descriptions thereof will be omitted.

4 is a conceptual diagram of a financial transaction intermediation system using a mobile terminal according to another embodiment of the present invention.

The intermediary system according to FIG. 4 illustrates a third party payment for which a person who receives a service or a product does not have a payment authority. Referring to FIG. The reference numeral "70" corresponds to a person having a mobile terminal 71 for driving an app and providing a product.

The commodity receiver 56 notifies the commodity provider 70 of the mobile terminal 50 of the user having the payment authority, and the commodity provider 70 relays the informed mobile terminal 50 number and the payment amount to the mediation system 100. To fulfill the payment request.

The mediation system 100 transmits the payment amount for the product, and the payment request details to the mobile terminal 50 number notified by the mobile terminal 71 of the product provider 70.

The user of the mobile terminal 50 checks the payment amount and the details of the payment request, and notifies the PG server 300 of the "payment approval" when there is a willingness to pay. When the "payment approval" is notified, card information and authentication information may be provided from the mobile terminal 50 to the PG server 300. In this case, the card information and the authentication information provided from the portable terminal 50 to the PG server 300 may be credit card information, bank account information, and passwords thereof.

On the other hand, when the mobile terminal 50 approves payment to the PG server 300 in response to the payment request of the mobile terminal 71, the PG server 300 informs the mediation system 100 that the payment approval has occurred. The notification system, the mediation system 100 may request and receive the type and code value of the payment code to the mobile terminal 50, and may provide it to the PG server 300. Subsequently, the intermediary system 100 may transmit an SMS-type authentication number to the mobile terminal 50 and perform a process of authenticating the mobile terminal 50 through feedback thereto.

The authentication number transmitted by the mediation system 100 to the mobile terminal 50 is obtained by requesting the financial server 200 through the PG server 300 by the mediation system 100, and then carrying the mobile terminal using the communication company server 250. It may be provided to the terminal 50.

In the embodiment shown in FIG. 4, the goods recipient 56 may be a home person who receives the goods by courier or a child who has ordered pizza, chicken, cooking, and other goods, and the goods provider 70 is a courier or a pizza And deliver, produce, and serve chicken, cooked food, and other goods. In this embodiment, a third party dealing with food or goods is proposed. However, in addition to this, the commodity provider 70 may be a person providing personal instruction, product AS, moving service, and various other types of services for intangible goods, such as language, arts, and learning. The recipient 56 may be a person acquiring the above-mentioned intangible service, in addition to the tangible goods. The gist of the present embodiment illustrates that the person receiving the product and the service and the person making the payment may be different from each other, and are not limited to the mentioned product or service.

Hereinafter, the process of the PG server 300, the mediation system 100, and the financial server 200 to perform the authentication, the process of payment, and the process of requesting and notifying the payment confirmation will be described with reference to FIG. 2. Since the description is similar to that described above, redundant descriptions will be omitted, and the descriptions omitted will apply to the description of FIG. 2.

5 is a block diagram of a mediation system according to an embodiment of the present invention.

Referring to FIG. 5, the mediation system 100 includes a mediation module 110, a payment code processing module 120, an authentication module 130, a payment confirmation module 140, a database 150, and a product transaction brokerage module 160. ), And a service mediation module 170.

The payment code processing module 120 inquires the type and code value of the payment code to the mobile terminal (the side receiving the cost among the 50 and 60), and the payment code from the mobile terminal (the side receiving the cost among the 50 and 60). After receiving the type and code value, it provides it to the PG server 300.

The payment code processing module 120 may provide the merchant code as it is when the mobile terminal (the side receiving the cost among the terminals 50 and 60) is provided to the PG server 300 as it is. In the case of providing the account number at the receiving side), the provided account number may be provided to the PG server 300.

If the user of the mobile terminal 50 or 60 is unable to use the account number, the user may create a virtual account or provide the PG server 300 with a pre-allocated real account number. If the payment code processing module 120 generates a virtual account and provides it to the PG server 300, the payment code processing module 120 after the cost processing by the virtual account is terminated, the mobile terminal requesting the virtual account ( 50, 60 may be charged to the carrier server 250 that provides a communication service to the receiving side). The communication company server 250 may add the cost processed by the payment code processing module 120 to the virtual account number to the next month's communication cost of the mobile terminal 50.

On the other hand, in the payment code processing module 120, the mobile terminal (the side receiving the cost among 50 and 60) is not registered with the merchant, and the mobile terminal (the side providing the cost among the 50 and 60) performs card payment. If necessary, it is possible to validate the card payment by providing the merchant code assigned to the intermediary system 100 to the PG server 300.

At this time, the PG server 300 requests a merchant code to the payment code processing module 120 of the mediation system 100 when a payment request without an affiliated store code occurs while the card payment is made in the mobile terminal 50 or 60. The payment code processing module 120 may provide the requested merchant code to the PG server 300 to validate the card payment.

Authentication module 130 is obtained by requesting the authentication number to the financial server 200 through the PG server 300, and in the form of SMS through the carrier server 250 for providing a communication service to the mobile terminal (50, 60) When the authentication number is transmitted to the mobile terminal 60 and the mobile terminal 60 properly feeds back the authentication number received, the authentication number may be transmitted to the financial server 200 to process the authentication.

The authentication module 120 may mediate a user of the mobile terminal 50 or 60 using different card companies or banks to perform payment without being limited to either the financial company or the card company of the other party. That is, the user of the mobile terminal 50, 60 does not need to know which card company the other party wants to pay for, what bank to use, or what the account number or card number is.

Therefore, the authentication module 120 is valid even if the transaction between the parties for the goods and services as described with reference to Figs. 1 to 3, but also valid for third-party payment as described with reference to FIG. Can be.

In the case of a transaction between the parties, it is preferable to provide an authentication number to the mobile terminal 60 of the party providing the product or service, and then go through a procedure of processing a payment by receiving feedback, but in the case of a third party transaction, providing the product or service Instead of the agent's mobile terminal (reference numeral 71 of FIG. 4), the mobile terminal 50 possessed by the agent of the party acquiring the goods or services is required to be authenticated.

The intermediary module 110 sees the authentication number provided by the authentication module 120 by the user of the second mobile terminal 60, and if the authentication number provided by the manual entry is authenticated by the PG server 300, the PG server Request payment to 300.

The payment confirmation module 140 performs a processing result from the PG server 200 when the mobile terminal 50 or 60 performs a payment request to the PG server 200 using a rechargeable payment card (eg, T-money). After receiving the message, the mobile terminal 50 or 60 may be notified.

The commodity transaction intermediary module 160 photographs and transmits a QR barcode printed or attached to an offline medium in order to purchase a product, and analyzes the QR barcode to determine a seller, a seller, and a transaction validity. If the transaction is valid, order and deliver the product to the retailer included in the QR barcode. Preferably, the commodity trading mediation module 160 may include a code analysis module 161, a validity determination module 162, a mediation module 163, and an image processing module 164.

The code analysis module 161 analyzes the QR barcode provided by the mobile terminal 50 to check sellers selling goods, sellers such as websites selling mail, mail, and contacts of offline stores, and transaction validity of goods. Analyze Here, the seller may be a unique number assigned to the seller or may be a business number of the seller.

The validity judgment module 162 determines whether a product that a buyer wants to purchase is a product that can be purchased by referring to the sale validity period described in the QR barcode.

The validity determination module 162 may determine that the transaction is not valid when the product desired by the purchaser is out of the validity period of the sale, and notify the mobile terminal 50 of the validity of the transaction.

When the QR barcode transmitted from the mobile terminal 50 is in the form of an image, the image processing module 164 processes the image to read information included in the QR barcode. In the present invention, the mobile terminal 50 may photograph the QR barcode, and then provide the information included in the QR barcode to the product sales brokerage module 160, or may provide an image of the QR barcode. In the case of providing a QR barcode image in 50), the image processing module 164 may be driven.

The intermediary module 163 requests an order and delivery of a product to a seller of a product whose transaction validity is confirmed, and notifies the receipt of the product in the mobile terminal 50, and notifies that the product transaction is completed through the PG server 200. In addition, after the financial server 200 notifies the payment result through the PG server 200 after the payment for the product transaction, it may notify the mobile terminals 50 and 60 of this.

The service intermediary module 170 registers a person who provides an intangible service and a person who receives the intangible service, and purchases a service by matching a service provider and a service requester who satisfy the service condition.

The service intermediary module 170 is composed of a service registration module 171 and a service matching module 173, the service registration module 171 is a courier service, proxy operation, and other various forms of services that are not directly traded goods, and You can register the location and cost of the service provider.

The service matching module 173 matches the service requester and the service provider with reference to the cost of the service registered in the service registration module 171 and the range in which the service can be provided, and notifies the counterpart contact information to the service provider and the service requester. For example, payment can be made to either of the service provider and the service requester.

For example, the service registration module 171 may register a surrogate operation applicant and a surrogate driver applicant described above with reference to FIG. 3, and register a surrogate operation applicant and a surrogate driver applicant with a desired cost and service location. The matching module 173 notifies the contact information of the surrogate operation applicant and the surrogate driver applicant by searching for one that can match each other among the conditions presented by the surrogate operation applicant and the surrogate driver applicant registered in the service registration module 171, and the surrogate operation applicant. The billing agent can proceed with payment for the mobile terminal of either side. If payment is made to the surrogate driving applicant, the condition matching module 173 refers to the basic payment information registered in advance by the surrogate driving applicant or the basic payment information transmitted by the surrogate driving applicant through his mobile terminal. After requesting payment to the financial server 200 and the payment intermediary module 130 for the payment of the costs, it may notify the surrogate operation applicant of the result.

6 to 8 illustrate reference diagrams for explaining a process of processing a payment using a mobile terminal.

6 to 8, first, as shown in FIG. 6, a user who wants to deposit money touches an icon 51a of an app displayed on the touch screen 51 using a finger 5. Can be driven. The illustrated mobile terminal 50 may display an interface as shown in FIG. 6 on the touch screen 51 in response to a user's touch input.

Referring to FIG. 7, the touch screen 51 includes a cost input menu 51c for inputting a deposit fee, a menu 51b for inputting a mobile terminal number for depositing a fee, and a text input menu 51d for depositing a fee. , And the virtual keyboard 51e can be displayed.

The user can enter the amount of money to be deposited in the cost input menu 51c using the virtual keyboard 51e. The virtual keyboard 51e is one of functions provided in a conventional smartphone or a mobile phone, and is displayed to overlap with menus displayed on the touch screen 51. When the virtual keyboard 51e is used, the menu 51b, 51c, 51d) can be translucent so that the user can recognize the contents. In addition, the menu includes a menu for inputting Korean, English, numbers, and the like through the character input menu 51d.

When the items written in the menus 51b, 51c, and 51d shown in FIG. 7 are transferred to the mobile terminal 60 on the side of receiving the cost, the mobile terminal 60 may display a screen as shown in FIG. Can be. Referring to FIG. 8, a guidance message 61a indicating that the user who paid the money (Hong Gil-dong) requests a payment of 53,000 is displayed on the touch screen 61, and the authentication transmitted from the mediation system 100 according to the present invention. The authentication number input menu 61b for entering the number, the request menu 61c for requesting the authentication number, the menu 61d for rejecting the payment requested by the user (Hong Gil-dong), and the contents delivered by SMS to the user And a transmission menu 61e for transmitting the authentication number written in the authentication number input menu 61b to the intermediary system 100.

50, 60: mobile terminal 100: intermediary system
200: card company server (or financial server) 250: communication company server
300: financial server

Claims (16)

The first mobile terminal transmits any of the built-in credit card information and the credit card information obtained by contacting the first mobile terminal to a payment gateway (PG) server to request payment for the second mobile terminal. When doing
Receiving a payment request for the second mobile terminal from the PG server, and requests any one of a merchant code and an account number to the second mobile terminal as a payment code, if there is no payment code, the second mobile A payment code processing module for providing the PG server after allocating a virtual account number for a terminal; And
When the PG server processes the payment through the financial server in response to the payment request, the PG server receives the payment details from the PG server to notify any one of the first mobile terminal and the second mobile terminal, Any one of the first and the second mobile terminal, the authentication module for transmitting an authentication code, and receives the feedback for processing the authentication; financial transaction intermediary using the mobile terminal, characterized in that it comprises a; system. The method of claim 1,
The payment code processing module,
After assigning the virtual account number to the second mobile terminal, the financial transaction using the mobile terminal, characterized in that for requesting the money amount according to the payment to the carrier server providing a communication service to the second mobile terminal Mediation system. The method of claim 1,
The virtual account number is,
Financial transaction intermediation system using a mobile terminal, characterized in that randomly generated by the payment code processing module. The method of claim 1,
The virtual account,
It is a single account number assigned to the payment code processing module, the financial transaction intermediary system using a mobile terminal, characterized in that provided to the PG server in place of the second mobile terminal. The method of claim 1,
The first and second mobile terminals,
A financial transaction intermediation system using a mobile terminal, characterized in that the mobile terminal having a NFC (Near Field Communication) chip containing information about the credit card. The method of claim 5,
The NFC chip,
Financial transaction brokerage system using a mobile terminal, characterized in that formed integrally with the USIM chip for user authentication. The method of claim 1,
The first and second mobile terminals,
A financial transaction intermediation system using a mobile terminal having an RFID communication function and acquiring credit card information from an electronic credit card and providing the same to the PG server. The method of claim 7, wherein
The credit card,
A financial transaction brokerage system using a mobile terminal, characterized in that it comprises a SAM (secure application module) function. The method of claim 1,
The authentication module,
The financial transaction intermediation system using a mobile terminal, characterized in that for transmitting the authentication number to any one of the first, and the second mobile terminal using a Short Message Service (SMS). The method of claim 1,
When the first mobile terminal transmits the product code of the product described in the advertisement leaflet, a product transaction intermediary module for providing information on the product corresponding to the product code to the second mobile terminal; further comprising a mobile terminal Financial brokerage system. The method of claim 10,
The product code is,
Financial transaction intermediation system using a mobile terminal, characterized in that printed on, attached to a billboard, billboard, newspaper. The method of claim 10,
The first mobile terminal,
The financial transaction intermediation system using a mobile terminal, characterized in that the app (App) for imaging the product barcode and transmits to the product transaction brokerage module is installed. The method of claim 10,
The product code is,
Financial transaction brokerage system using a mobile terminal, characterized in that the QR (Quick Response) code. The method of claim 1,
When the first mobile terminal performs near field communication with the rechargeable payment card and transmits the card information of the rechargeable payment card to the PG server to perform a payment request, the PG server receives a result processed for the payment request, The financial transaction intermediation system using a mobile terminal, characterized in that it further comprises; payment confirmation module for notifying this to the first mobile terminal. 15. The method of claim 14,
The rechargeable payment card,
Financial transaction brokerage system using a mobile terminal, characterized in that T-money. The method of claim 1,
If the second mobile terminal is unable to provide a merchant code, a payment code processing module for allocating a pre-stored merchant code in place of the second mobile terminal to provide to the PG server; The mobile terminal further comprises a. Financial brokerage system.
KR1020110058595A 2011-01-24 2011-06-16 Finance transaction system using smart phone KR20120087755A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101525355B1 (en) * 2014-06-26 2015-06-04 (주) 메이저피스 Mobile field payment method

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101525355B1 (en) * 2014-06-26 2015-06-04 (주) 메이저피스 Mobile field payment method

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