KR20120099918A - System and method for processing payment using electronic cash - Google Patents

Abstract

PURPOSE: A payment processing system using electronic money and a payment processing method thereof are provided to enable a user to quickly purchase products after the completion of user authentication by automatically displaying a registration state every time the user purchases the products. CONSTITUTION: An authentication information managing unit(131) registers necessary authentication information for easy payment service registration by receiving the same. The authentication information managing unit authenticates whether a user is registered for the easy payment service by using the authentication information. A virtual account managing unit(132) automatically charges charging money information to a virtual account. If a first payment request occurs, an information managing unit(133) provides balance information of the virtual account to a member store server. [Reference numerals] (131) Authentication information managing unit; (132) Virtual account managing unit; (133) Information managing unit; (134) Payment processing managing unit; (135) Joint user managing unit; (136) Control unit

Description

Payment processing system and payment processing method using electronic money {SYSTEM AND METHOD FOR PROCESSING PAYMENT USING ELECTRONIC CASH}

The present invention relates to a payment processing system and a payment processing method using electronic money, and more particularly, to a system and method for easy payment processing online using a user's convenience using electronic money.

Recently, when a user wants to purchase a product online, the user selects the product displayed online and pays for the purchase of the product using a credit card at the same time as authentication using his credit card and a mobile phone number. Developed into.

As a representative example of this, Korean Patent Publication No. 10-2009-0091051 published on August 26, 2009 discloses an online credit card payment device using a mobile phone authentication and a method thereof. The open patent receives authentication information including credit card information, mobile phone information, and social security number for online credit card payment, and then authenticates with a credit card company using credit card information of the authentication information to purchase online goods. Received, the authentication is performed by the mobile carrier using the mobile phone information and the SMS authentication number is paid for the goods, thereby purchasing the goods of the online merchant.

However, the payment method using mobile phone information and SMS authentication number has to be inconvenient to enter mobile phone number, credit card information and social security number every time when purchasing products online, and payment is limited to the items posted online. There was a problem.

On the other hand, non-professionals, such as children, adolescents and college students, who do not enter the society, even if they have a credit card, have no money, so it is not easy to buy products online. In particular, the reality is that it is not easy to buy products with their credit card online. In such a case, it would be very convenient to purchase the product online using the parents 'credit card with the parents' permission, but the mechanism has not been described in detail yet.

The present invention has been made in order to solve the above problems, the registration number, mobile phone number, credit card number, bank account number, etc., once registered at the time of easy payment service subscription, and secured through one or two clicks when purchasing products And to provide a payment processing system and payment processing method using electronic money that can be easily and payment processing.

In addition, the present invention withdraws from the credit card and bank account of the second user with the permission of any second user in the co-user group subscribed to the easy payment service, and then charged to the virtual account to the first user An object of the present invention is to provide a payment processing system and a payment processing method using electronic money, which enables a safe and simple purchase of a product.

In addition, an object of the present invention is to provide a payment processing system and payment processing method using the electronic money is made online payment for all products that need online payment, such as products sold in the online shopping mall, cash money products for games. .

In order to accomplish the objects of the present invention as described above and to carry out the characteristic functions of the present invention described below, features of the present invention are as follows.

According to one aspect of the present invention, there is provided a first mobile terminal or an affiliated server that owns authentication information required for easy payment service subscription by an input of a first user, wherein the authentication information includes personal information and mobile phone information. An authentication information management unit configured to receive and register from and to be used to authenticate whether the user has subscribed to the easy payment service; Receiving any one of the first credit card information, the first bank account information, and the mobile phone information of the second user selected from the first mobile terminal or the merchant server to charge the payment means A virtual account manager configured to set up, register, and receive charging permission from a server having the charging payment means or a second mobile terminal of a second user at the request of a first user, and automatically charge the charging amount information into a virtual account; A first payment request, wherein the first payment request includes personal information of the first user and payment amount information of the selected product, may be generated when the first user purchases or charges a product from the merchant server or the first mobile terminal. In this case, any one of the registered charging means and the mobile phone information of the first user, the charge amount information and the balance information of the virtual account to be generated after the payment according to the purchase of the product of the first user to provide to the merchant server Information management unit; And after the mobile phone authentication is performed once again for the user who has checked the information provided by the information manager, when a second payment request is generated from the affiliate server, the remaining charge amount is subtracted from the charge amount information by the remaining balance information. And a payment processing management unit for notifying the affiliated store server that the payment is normally made in response to the second payment request.

According to another aspect of the present invention, there is provided a display apparatus comprising: a basic information display unit displaying charge or payment amount information according to a product selection of a first user, and displaying an easy payment service menu for use of an easy payment service; A first payment transmitter configured to generate and transmit a first payment request including the payment amount information to the payment processing server when the easy payment service menu is selected by a first user; Any one of the charging payment means registered in the payment processing server in response to the first payment request, wherein the charging payment means includes first credit card information, first bank account information and mobile phone information of the second user. A payment information receiving unit for receiving the mobile phone information, the charge amount information and the balance information charged in the virtual account from the payment processing server in response form; The settlement information decryption unit which displays a corresponding message by recognizing a payment when the balance is insufficient when the amount is small and comparing the recharge amount information received by the payment information receiving unit with the stored recharge or payment amount information. ; And generating a second payment request and transmitting the second payment request to the payment processing server when the user checks whether the balance displayed by the payment decryption unit is charged. A merchant server including a payment completion receiving unit for receiving and displaying is provided.

According to yet another aspect of the present invention, a QR code decryption unit for recognizing and decrypting a QR code provided by an affiliate server to confirm and display a charge or payment amount of a product; A first payment transmitter configured to generate a first payment request including the charging or payment amount and to transmit it to a payment processing server when an easy payment service menu is selected; Any one of the charging payment means registered in the payment processing server in response to the first payment request, wherein the charging payment means includes first credit card information, first bank account information and mobile phone information of the second user. A payment information receiving unit for receiving the mobile phone information, the charge amount information and the balance information charged in the virtual account from the payment processing server in response form; The settlement information decryption unit which displays a corresponding message by recognizing a payment when the balance is insufficient when the amount is small and comparing the recharge amount information received by the payment information receiving unit with the stored recharge or payment amount information. ; And generating a second payment request and transmitting the second payment request to the payment processing server when the user checks whether the balance displayed by the payment decryption unit is charged. Provided is a mobile terminal for payment processing using a QR code that includes a payment completion receiving unit to display.

According to the present invention, a social security number, a bank account number, a credit card account number, a mobile phone number, and the like are registered at the time of easy payment service, and are automatically displayed when the user purchases the product so that the user can quickly purchase the product after completing the user authentication. There is an effect to greatly improve the conventional inconvenience that must be entered every time you purchase.

In addition, according to the present invention, by setting and registering any one selected by the user from among the first bank account information, the first credit card information, and the mobile phone information of the second user as a charging payment means, the user's credit card and bank account can be set. With the permission of others in the same group, not through payments, you can make automatic payments online using other people's credit cards and bank accounts, increasing the purchase of non-professional products such as children, teenagers and college students. It can be effective.

In addition, according to the present invention, by integrating into a virtual account for electronic money for easy payment services in connection with merchants such as mobile carriers, banks, credit card companies and games, shopping malls, it is effective to provide a user-friendly easy payment services have.

1 is a diagram illustrating a payment processing system 100 according to a first embodiment of the present invention by way of example.
2 is a block diagram showing in more detail the payment processing server 130 according to the first embodiment of the present invention.
3 is a block diagram showing in more detail the affiliated store server 120 according to the first embodiment of the present invention.
4 is a flowchart illustrating a payment processing method (S200) according to a second embodiment of the present invention.
5 is a diagram illustrating a payment processing system 200 according to a third embodiment of the present invention.
6 is a diagram exemplarily illustrating a mobile terminal 210 for payment processing using a QR code according to a third embodiment of the present invention.
7 is a view showing a charging payment state of the merchant server 120 according to an embodiment of the present invention.
8 is a view showing a co-manager state of the payment processing server 130 according to an embodiment of the present invention.
9 is a view showing the amount to be charged and the easy payment service menu in the game site according to an embodiment of the present invention.
10 and 11 are views illustrating another form of payment settlement state of the merchant server 120 according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily understand the present invention. In the drawings, like reference numerals refer to the same or similar functions throughout the several views.

First Embodiment

1 is a diagram illustrating a payment processing system 100 according to a first embodiment of the present invention by way of example.

As shown in FIG. 1, the payment processing system 100 according to the first embodiment of the present invention is a system for online payment of goods posted online with virtual money, and includes a first mobile terminal 110 and a merchant server. 120, a payment processing server 130, a credit card company server 140, a bank server 150, and a second mobile terminal 160 are configured. A product is defined as a broad concept that includes things sold in an online shopping mall, cash money for online games, and digital content such as music, movies, and e-books.

First, the first mobile terminal 110 of the present invention accesses the affiliated store server 120 via a wired or wireless communication network, downloads a shopping mall site (homepage) operated by the affiliated store server 120, and operates therein. Buy online goods, perform online payment for online goods purchase, or access the payment processing server 130 via wired or wireless communication network (simply indicated by a solid line), and then easy payment In order to subscribe and register a service, it plays a role of sending and receiving messages related to subscription and registration of easy payment service.

Here, the easy payment service is a member company of a merchant, a bank, a credit card company and a mobile carrier, and a plurality of users are operated as co-users in a group, and a certain amount of money is automatically charged from another person's bank account or credit card account. Refers to a service type that helps to use it as a payment for purchasing a product.

In this case, the joint user is preferably composed of family members such as parents and knowledge. For example, when a first user who is a child wants to purchase a product in an online shopping mall, online payment for the first user's purchase is made by withdrawing virtual money from the parent's bank and credit card account with the parent's consent. Is one example of determining the nature of a co-user.

Next, the affiliated store server 120 of the present invention is connected to a payment processing server through a wired / wireless communication network in order to subscribe to the easy payment service as a member company and receive payment and authentication according to a user's purchase of an online product. The merchant server 120 opens a shopping mall site, a game operation site, and so on, opens a product such as game money and goods, and plays a role in a series of processes for helping to virtually pay the product online.

Next, the payment processing server 130 of the present invention receives the authentication information, credit card account and bank account information, etc. from the merchant server 120 or the first mobile terminal 110 when the first user purchases a product It enables users to authenticate and make online payments, and manages easy payment service members based on authentication information.

In particular, the payment processing server 130 of the present invention operates a virtual account for storing the virtual money required when purchasing the goods of the first user. The virtual account of the first user receives the virtual money from the credit card account and the bank account of the first user and stores it as a recharge amount necessary to purchase the goods of the first user, or with the second user's credit card with the permission of the second user. The virtual money is received from any one of an account, a bank account, and a virtual account, and stores a charge amount required for purchasing a product of the first user. The virtual account means a virtual account of the second user.

Here, since the first user and the second user are subjects who have already subscribed to the easy payment service and exist in the same group, the user can freely use the virtual money from another person's account or the virtual account with the permission of the other person. To this end, the payment processing server 130 of the present invention enables a smooth virtual payment by contracting in advance with a bank and a credit card company as a member of the easy payment service.

Next, when the credit card company server 140 of the present invention requests automatic payment for the virtual money of the payment processing server 130 by checking the users subscribed to the easy payment service, the credit card company server 140 may automatically pay the corresponding amount in response thereto. It serves to inform the payment processing server 130 of authentication of the first user and whether the automatic payment is accepted. Like the credit card company server 140, the bank server 150 of the present invention performs the role of informing the payment processing server 130 of the first user's authentication and automatic payment acceptance required for the automatic payment of the virtual money. will be.

Lastly, the second mobile terminal 160 of the present invention is a mobile terminal of a second user existing in the same group as the first user subscribed to the easy payment service, and owns a virtual money necessary for purchasing a product of the first user. When the payment processing server 130 requests the payment to be automatically made in the credit card account and bank account of the serves to inform the result of acceptance.

Hereinafter, it will be described in more detail in terms of the payment processing server 130 and the merchant server 120 described above.

Payment processing server

2 is a block diagram showing in more detail the payment processing server 130 according to the first embodiment of the present invention.

2, the payment processing server 130 according to the first embodiment of the present invention is the authentication information management unit 131, virtual account manager 132, information manager 133, payment processing manager 134 and joint And a user manager 135 and a controller 136.

First, the authentication information management unit 131 of the present invention receives the authentication information necessary for the easy payment service subscription from the first mobile terminal 110 or the merchant server 120 owned by the first user by the input of the first user The registration information is used to authenticate whether or not the user subscribes to the easy payment service.

Here, the authentication information may correspond to personal information of the first user, including a social security number, address, name, date of birth, and the like, and a mobile phone number. When the first mobile terminal 110 receives the authentication information, the first user terminal receives and stores the information of the first user required to subscribe to the easy payment service, and is used for later authentication of the first user's product. .

However, when receiving from the merchant server 120, when a first user who accesses a product purchase site of the merchant server 120 purchases a product, the authentication is for the purpose of authenticating whether the first user is a customer subscribed to an easy payment service. You will receive the information. For example, the personal information may be used to authenticate whether the user is a legitimate user, and the mobile phone information of the first user may be information used to obtain an authentication number. The authentication information received from the affiliated store server 120 as described above is information that the first user has as a result of logging into the site of the affiliated store server.

Next, the virtual account management unit 132 of the present invention serves to provide the first mobile terminal 110 or the merchant server 120 with the credit card and bank account information of the member required for the easy payment service. At this time, the credit card and bank account information includes a plurality of credit card companies registered as member companies and account numbers opened by the subscriber from the bank.

In addition, the virtual account management unit 132 of the present invention is the first mobile terminal to select any one selected by the first user of the first credit card information, the first bank account information and the second user's mobile phone information required for the application for payment service Received from the 110 or the merchant server 120 serves to set and register as a charging payment means.

For example, when the mobile phone information of the second user is selected, the virtual account manager 132 of the present invention moves to the first user at the request of the first user who inputs the mobile phone information of the second user subscribed to the easy payment service. After receiving the mobile phone information of the second user from the terminal 110 or the merchant server 120, whether the second mobile terminal 160 that owns the mobile phone information of the second user to be subject to the charging payment of the first user Informs whether or not, and upon approval of the second user, the mobile phone information of the second user is registered as a charging payment means of the first user. At this time, the charging payment means may be registered by matching with the authentication information of the first user. The cellular phone information of the second user is information existing in the same group as the first user.

Accordingly, the virtual account manager 132 of the present invention is a server (credit card company server 140 / bank server 150) having a charging means selected by the first user's charge request or the second movement of the second user Receiving a charge from the terminal 160 will automatically charge the charge amount information to the virtual account. The charged amount information charged to the virtual account is used as a settlement amount when purchasing a product of the first user.

Next, the information management unit 133 of the present invention first purchases or charges the goods of the first user in the affiliate server 120 or the mobile terminal 110 of the first user, when the first payment request occurs, the first payment request It is responsible for receiving messages. In this case, the received first payment request message may include personal information and payment amount information for identifying the first user.

Therefore, the information management unit 133 of the present invention, as a result of authenticating the first user by viewing the first payment request message and confirming the product amount or the charge request amount, among the charge payment means registered by the virtual account manager 132. According to any one, the mobile phone information of the first user registered by the merchant server 120 or the mobile terminal 110 of the first user, the charge amount information stored in the virtual account of the first user and the purchase of the first user's product The balance information of the virtual account to be generated after the payment is calculated and provided to the merchant server 120 or the mobile terminal 110 of the first user.

In addition, the information management unit 133 of the present invention, if any one of the charging means selected by the first user is the mobile phone information of the second user, after authenticating the mobile terminal 160 of the second user, Mobile phone information may be further provided to the merchant server 120. Various types of information are provided to the mobile terminal 110 according to the charge request amount of the first user as shown in FIG. 7 as an example.

As such, when providing various pieces of information to the affiliate server 120, it is possible to reduce the inconvenience of having to input a social security number, a mobile number, an address, and the like each time a product is purchased to a first user connected to the affiliate server 120. It will be useful.

Next, after the payment processing unit 134 of the present invention authenticates the mobile phone for the user who has confirmed the information provided by the information manager 133, if a second payment request is generated from the merchant server 120 according to the product purchase In addition, the remaining amount of money is stored in the virtual account by subtracting the remaining amount of information from the amount of charge information stored in the virtual account, and serves to inform the affiliated store server 120 that the normal payment is made in response to the second payment request.

Next, the joint user manager 135 of the present invention manages the first user and the second user subscribed to the easy payment service, and may delete other users in the same group. For example, if the second user is the owner, the first user in the group can be deleted. An example of this is shown in FIG. 8.

Finally, the control unit 136 of the present invention controls the data flow between the authentication information management unit 131, the virtual account manager 132, the information manager 133, the payment processing manager 134, and the joint user manager 135. Play a role.

Merchant Server

3 is a block diagram showing in more detail the affiliated store server 120 according to the first embodiment of the present invention.

As shown in FIG. 3, the affiliated store server 120 according to the first embodiment of the present invention may include a basic information display unit 121, a first payment transmitter 122, a payment information receiver 123, and a payment information decryption unit ( 124, an authentication processing unit 125, a payment completion receiving unit 126, and a control unit 127.

First, the basic information display unit 121 of the present invention displays charging or payment amount information according to the product selection of the first user, and serves to display an easy payment service menu for use of the easy payment service. This example is shown in FIG.

Next, when the easy payment service menu is selected by the first user, the first payment transmitter 122 of the present invention generates a first payment request including payment amount information and transmits the generated first payment request to the payment processing server 130. Play a role.

Next, the payment information receiving unit 123 of the present invention is a charging payment means (for example, first credit card information, first bank account information, and second user) registered in the payment processing server 130 by the first payment request. Cell phone information, etc.) and mobile phone information of the first user or the second user, charge amount information and balance information charged to the virtual account are received from the payment processing server 130 and displayed in response form.

In addition, the payment information receiving unit 123 of the present invention is a result of the authentication of the mobile terminal 160 of the second user when any one of the charging payment means selected by the first user is the mobile phone information of the second user, 2 The mobile phone information of the user may be further received from the payment processing server 130 and displayed.

Next, when the payment status decryption unit 124 of the present invention is small compared to the charge amount information received from the payment information receiver 123 and the stored charge or payment amount information (payment request amount, product request amount), the balance is insufficient. If it is recognized as a payment, and if the balance is large enough, it is recognized as a payment and serves to display a corresponding message.

Next, the authentication processing unit 125 of the present invention checks the information provided from the payment processing server 130 by the payment status decryption unit 124, and then displays an authentication input window for authentication of the first user. It transmits the authentication number entered in the authentication input window to the payment processing server to confirm the authentication.

An example of the results by the payment information receiver 123, the payment status decryption unit 124, and the authentication processing unit 125 described above is illustrated in FIG. 10. In FIG. 10, when the payment request amount (KRW 5,000) is greater than the recharge amount (KRW 0), the balance is recognized as insufficient payment, and the first user who is a child charges 10,000 won with the permission of the second user who is a parent. The case is shown.

Next, the payment completion receiving unit 126 of the present invention generates a second payment request if the second payment request is made by the user who checks whether the balance displayed by the payment deciphering unit 124 is displayed, the payment processing server 130. And receive and display whether or not a normal payment is received from the payment processing server 130 as a result.

Finally, the control unit 127 of the present invention is the basic information display unit 121, the first payment transmitter 122, the payment information receiver 123, the payment status decryption unit 124, the authentication processing unit 125, payment completion receiving unit 126 controls the flow of data between.

Second Embodiment

4 is a diagram illustrating a payment processing method according to a second embodiment of the present invention by way of example.

As shown in FIG. 4, the payment processing method according to the second embodiment of the present invention includes steps S210 to S240 to operate an automatic payment means between virtual accounts for electronic money associated with a member company of an easy payment service. Perform In this case, electronic money refers to payment and charging in virtual money, not cash flow, such as on-line charging cash, mileage and virtual payment.

First, in step S210 of the present invention receives and stores the authentication information of the first user required for easy payment service subscription and authentication. The authentication information may include personal information including a social security number, an address, and a name of the first user, and mobile phone information including a mobile phone number and a password. Such authentication information may be used for cellular phone authentication, banking and credit card payment authentication, etc. required for the purchase of goods by the first user.

In addition, in step S210 of the present invention, any one selected by the user from among the first credit card information, the first bank account information, and the second user's mobile phone information required for the application of the easy payment service is set and registered as a charging payment means. .

In this case, the first credit card information, the first bank account information is information selected by the user from among a plurality of credit card companies and a plurality of credit card information and bank information provided for each bank, the name of the credit card company, bank name, credit card number Bank account numbers, etc. may correspond to this. The mobile phone information of the second user is charged with payment from the credit card or bank account of the second user or the virtual account of the second user when the amount to be charged into the virtual account cannot be charged from the first user's credit card or bank account. Information used to do this.

Subsequently, in step S220 of the present invention, if the first credit card information and the first bank account information among the charging means, the first company receives the approval from the member company, the second user's mobile phone information received from the second user, the first user It will automatically recharge the virtual account for electronic money as much as the requested amount.

Thereafter, in step S230 of the present invention, when the first user purchases or charges the product, when the first payment request occurs, one of the registered charging payment means, the mobile phone number of the first user or the second user, and the virtual account are charged. The balance amount of the virtual account is calculated and displayed when the recharge amount and the product are purchased.

In this case, the first payment request includes the personal information and the payment amount information for the product, which is used to authenticate the first user, and the payment amount is used to confirm the payment amount and calculate the balance amount described above. And so on.

Subsequently, in step S240 of the present invention, when the first user who confirms the charge amount, the balance amount, the mobile phone number of the first user or the second user, etc. generates a second payment request, the balance amount is increased from the charge amount charged to the virtual account. After deducting, the remaining charge amount is stored in the virtual account, and the first user is informed whether the payment is made in response to the second payment request.

Here, in step S240, when the balance is small compared to the charged amount and the charged or paid amount, it is recognized as payment when the balance is insufficient, and when the balance is sufficient, the second payment request is generated.

As described above, according to the second embodiment, the goods required by the first user can be settled by using the credit card and the bank account or the virtual account of the second user, and only the first payment request and the second payment request are generated. It provides an advantage that simple payment is possible compared to the payment pattern by inputting existing social security numbers, addresses, telephone numbers, credit card numbers, and bank account numbers.

Third Embodiment

5 is a diagram illustrating a payment processing system 200 according to a third embodiment of the present invention.

As shown in FIG. 5, the payment processing system 200 according to the third embodiment of the present invention may include a first mobile terminal 210, a merchant server 220, a payment processing server 230, and a credit card company server 240. ), The bank server 250 and the second mobile terminal 260.

The first mobile terminal 210 of the present invention to the payment processing server 130 to purchase the online product operated therein by using the QR code when the QR code is given for each product posted on the merchant server 220 Connect and register for easy payment service and perform online payment for product purchase.

As such, the role of the first mobile terminal 210 of FIG. 1 is different from that of directly connecting with the payment processing server 130 using the QR code to perform online payment.

Merchant server 220 of the present invention, when the first mobile terminal 210 is connected, such as a game site, a shopping mall site to provide a QR code for each product by placing the product, in the merchant server 120 of FIG. It does not perform the unique functions performed.

In addition, the payment processing server 230, the credit card company server 240, the bank server 250 and the second mobile terminal 260 is the payment processing server 130, credit card company server 140, bank server described in FIG. Since it performs almost the same function as the 150 and the second mobile terminal 160, it will be omitted here.

Mobile terminal

6 is a diagram exemplarily illustrating a mobile terminal 210 for payment processing using a QR code according to a third embodiment of the present invention.

As shown in FIG. 6, the mobile terminal 210 according to the third embodiment of the present invention includes a QR code decryption unit 211, a first payment transmission unit 212, a payment information receiver 213, and a payment status decryption unit. 214, the payment completion receiving unit 215, the authentication processing unit 216, and the control unit 217.

First, the QR code decryption unit 211 of the present invention recognizes and decodes the QR code provided by the affiliate server 220 to confirm and display a charge or payment amount of a product, and the first payment transmitter of the present invention ( When the easy payment service menu is selected, 212 generates a first payment request including a charge or a payment amount and transmits the first payment request to the payment processing server 230. In this case, the easy payment service menu has been described with reference to FIG. 3.

Next, the payment information receiving unit 213 of the present invention is a charging payment means (for example, first credit card information, first bank account information, and second) registered in the payment processing server 230 by the first payment request. The mobile phone information of the user, etc.), the mobile phone information of the first user, charge amount information charged in the virtual account, and the balance information are provided and displayed in response form from the payment processing server 230.

Next, the payment status decryption unit 214 of the present invention recognizes that the payment is insufficient when the balance is small compared to the charge amount information received by the payment information receiver 213 and the stored charge or payment amount information, and when the balance is large, the balance is sufficient. It is recognized as a city payment and serves to display a corresponding message.

Next, the authentication processing unit 215 of the present invention displays an authentication input window for authentication of the first user who has confirmed the information provided from the payment processing server 230, and the authentication processing number entered in the authentication input window payment processing server It transmits to 230 to check whether the authentication.

Next, the payment completion receiving unit 216 of the present invention generates a second payment request when a second payment request is made by a user who checks whether the balance displayed by the payment deciphering unit 214 is displayed, the payment processing server 230. And it receives and receives as a result whether or not the normal payment from the payment processing server 230 as a result.

Finally, the control unit 217 of the present invention is QR code decryption unit 211, the first payment transmission unit 212, payment information receiving unit 213, payment status decryption unit 214, payment completion receiving unit 215, authentication It controls the flow of data between the processing unit 216.

As such, the first mobile terminal 210 according to the third embodiment is substantially different from the first mobile terminal 110 described with reference to FIGS. 1 to 5 in relation to the affiliated store server 220 in relation to the QR code. In addition, the remaining portions except for the portion related to the QR code perform substantially the same functions as the affiliate server 120 of FIG. 3, and thus, detailed descriptions thereof are omitted.

Charge payment status

FIG. 11 is a diagram illustrating a charging payment state of an affiliated store server 120 according to an embodiment of the present invention.

Referring to FIG. 11, after the first user Kyu500 of the present invention accesses and logs in to an online merchant, the first user Kyu500 selects a product posted at the online merchant, and selects an easy payment service as a payment means. As a result, a payment window of the easy payment service pops up, and when the first user clicks on receiving the authentication number, the authentication number is received by the phone number of the registered first mobile terminal 110 of the first user. Subsequently, when the first user inputs the authentication number and clicks the payment button, the payer can check the result.

As described above, in the present embodiment, as shown in the payment window of the easy payment service, a charge amount, a payment method (credit card number of the second user), a mobile number (telephone number) of the first user, etc. are displayed, thereby making payment of an existing product. It can be seen that there is a big difference from the method of re-entering the social security number, phone number, etc. for each time, and it can be seen that payment can be made easily.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the exemplary embodiments or constructions. You can understand that you can do it. The embodiments described above are therefore to be considered in all respects as illustrative and not restrictive.

100: payment processing system 110: first mobile terminal
120: merchant server 121: basic information display unit
122: first payment transmitter 123: payment information receiver
124: payment status decryption unit 125: authentication processing unit
126: payment completion receiver 130: payment processing server
131: authentication information management unit 132: virtual account management unit
133: information management unit 134: payment processing management unit
135: joint user management unit 140: credit card company server
150: bank server 160: second mobile terminal
210: first mobile terminal 211: QR code decryption unit
212: first payment transmitter 213: payment information receiver
214: payment status decryption unit 215: authentication processing unit
216: payment completed receiver

Claims (14)

Receive and register authentication information required for easy payment service subscription by a first user, wherein the authentication information includes personal information and mobile phone information, from a first mobile terminal or a merchant server owned by the first user, and the user; An authentication information management unit used to authenticate whether the user subscribes to a payment service;
Receiving any one of the first credit card information, the first bank account information, and the mobile phone information of the second user selected from the first mobile terminal or the merchant server to charge the payment means A virtual account manager configured to set up, register, and receive charging permission from a server having the charging payment means or a second mobile terminal of a second user at the request of a first user, and automatically charge the charging amount information into a virtual account;
A first payment request, wherein the first payment request includes personal information of the first user and payment amount information of the selected product, may be generated when the first user purchases or charges a product from the merchant server or the first mobile terminal. In this case, any one of the registered charging means and the mobile phone information of the first user, the charge amount information and the balance information of the virtual account to be generated after the payment according to the purchase of the product of the first user to provide to the merchant server Information management unit; And
After the mobile phone authentication is again performed for the user who has checked the information provided by the information management unit, and when a second payment request is generated from the merchant server, the remaining charge amount is subtracted from the charge amount information by the remaining balance information to the virtual account. The payment processing management unit for storing and notifying the affiliated store server that the payment is normally made in response to the second payment request.
Payment processing server of the payment processing system, characterized in that it comprises a. The method of claim 1,
The virtual account management unit,
A first credit selected from the credit card and bank account information by the first user as a result of providing the member's credit card and bank account information necessary for the application of the easy payment service to the first mobile terminal or the merchant server; And the card and the first bank account information received from the first mobile terminal or the merchant server and registered as a charging payment means. The method of claim 1,
The virtual account management unit,
After receiving the mobile phone information from the first mobile terminal or the merchant server at the request of the first user who inputs mobile phone information of the second user subscribed to the easy payment service, the second mobile phone information owned by the second mobile phone information; Inform the mobile terminal of whether or not to be the subject of charge payment of the first user, and upon receipt of the consent of the second user, register the mobile phone information as a means of charge payment of the first user. Process Server. The method of claim 1,
The information management unit,
If any one of the charging means selected by the first user is the mobile phone information of the second user, after authenticating the mobile terminal of the second user, further providing the mobile phone information of the second user to the merchant server The payment processing server of the payment processing system, characterized in that. A basic information display unit displaying charge or payment amount information according to a product selection of a first user, and displaying an easy payment service menu for use of an easy payment service;
A first payment transmitter configured to generate and transmit a first payment request including the payment amount information to the payment processing server when the easy payment service menu is selected by a first user;
Any one of the charging payment means registered in the payment processing server in response to the first payment request, wherein the charging payment means includes first credit card information, first bank account information and mobile phone information of the second user. A payment information receiving unit for receiving the mobile phone information, the charge amount information and the balance information charged in the virtual account from the payment processing server in response form;
The settlement information decryption unit which displays a corresponding message by recognizing a payment when the balance is insufficient when the amount is small and comparing the recharge amount information received by the payment information receiving unit with the stored recharge or payment amount information. ; And
If a second payment request is made by the user who checks whether the balance displayed by the payment decryption unit is displayed, the second payment request is generated and sent to the payment processing server, and as a result, whether the normal payment is received from the payment processing server is determined. Received payment display unit provided and displayed
Merchant server of a payment processing system using an electronic money comprising a. 6. The method of claim 5,
After confirming the information provided from the payment processing server, the authentication processing unit for displaying the authentication input window for authentication of the first user, and transmits the authentication number entered in the authentication input window to the payment processing server to confirm the authentication Merchant server of the payment processing system, characterized in that it further comprises. 6. The method of claim 5,
The payment information receiving unit,
If any one of the charging payment means selected by the first user is mobile phone information of the second user, the mobile phone information of the second user is further obtained from the payment processing server as a result of the authentication of the mobile terminal of the second user. Merchant server of the payment processing system characterized in that the received and displayed. As a method for processing payments by operating an automatic payment between virtual accounts for electronic money associated with a member of the easy payment service,
(a) setting and registering any one selected by the user from among the authentication information of the first user and the first credit card information, the first bank account information, and the mobile phone information of the second user necessary for the application of the easy payment service; Making;
(b) If the first credit card information and the first bank account information of the charge payment means is approved by the member company, and in the case of the mobile phone information of the second user received the approval from the second user by the amount requested by the first user Automatically charging a recharge amount into a virtual account for electronic money;
(c) when the first payment request occurs when the first user purchases or charges the product, any one of the registered charging means, the mobile phone number of the first user or the second user, the charge amount charged in the virtual account, and Calculating and displaying a balance amount of the virtual account when purchasing a product; And
(d) When the second payment request is generated by the first user who has checked the information provided in step (c), the remaining amount is stored in the virtual account by subtracting the remaining amount from the amount charged in the virtual account. And notifying the first user of whether to pay in response to the second payment request.
Payment processing method comprising a. The method of claim 8,
The step (d)
The second payment request is characterized in that when the balance is small compared to the recharge amount and the recharge or payment amount, the second payment request is generated by recognizing the payment when the balance is insufficient and when the balance is sufficient. The method of claim 8,
The authentication information,
And the mobile phone information including a mobile phone number and a password, including personal information including a social security number, an address, and a name of the first user. The method of claim 8,
The product may include a product sold in an online shopping mall, a cash money for charging an online game, and digital contents such as music, a movie, and an electronic book. QR code decryption unit for recognizing and decrypting the QR code provided by the merchant server to check and display the charge or payment amount of the product;
A first payment transmitter configured to generate a first payment request including the charging or payment amount and to transmit it to a payment processing server when an easy payment service menu is selected;
Any one of the charging payment means registered in the payment processing server in response to the first payment request, wherein the charging payment means includes first credit card information, first bank account information and mobile phone information of the second user. A payment information receiving unit for receiving the mobile phone information, the charge amount information and the balance information charged in the virtual account from the payment processing server in response form;
The settlement information decryption unit which displays a corresponding message by recognizing a payment when the balance is insufficient when the amount is small and comparing the recharge amount information received by the payment information receiving unit with the stored recharge or payment amount information. ; And
If a second payment request is made by the user who checks whether the balance displayed by the payment decryption unit is displayed, the second payment request is generated and sent to the payment processing server, and as a result, whether the normal payment is received from the payment processing server is determined. Received payment display unit provided and displayed
Mobile terminal of the payment processing system using a QR code comprising a. 13. The method of claim 12,
An authentication processing unit which displays an authentication input window for authentication of the first user who has checked the information provided from the payment processing server, and transmits the authentication number entered in the authentication input window to the payment processing server to check whether the authentication is performed; The mobile terminal of the payment processing system, characterized in that it comprises a. 13. The method of claim 12,
The payment information receiving unit,
If any one of the charging payment means selected by the first user is mobile phone information of the second user, the mobile phone information of the second user is further obtained from the payment processing server as a result of the authentication of the mobile terminal of the second user. The mobile terminal of the payment processing system, characterized in that the received and displayed.

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