KR20120100283A - System and method for electronic payment - Google Patents

Abstract

PURPOSE: An electronic payment system and a method thereof are provided to prevent important information leaks caused by hacking by performing main processes of an electronic payment in a mobile communication system through a mobile communication terminal. CONSTITUTION: A communication server includes the following: A user session management unit(515) sets a purchaser terminal and a session for communication. A communication security management unit(510) maintains communication security through the session. A user authentication management unit(520) certifies the purchaser terminal. A database provides purchaser information and seller information. The database stores transaction details corresponding to an approval request. [Reference numerals] (500,505) Service app; (510) Communication security management unit; (515) User session management unit; (520) User authentication management unit; (525) User information confirmation unit; (530) Payment processing unit; (535) Coupon/discount information management unit; (540) User DB; (545) Seller DB; (550) Transaction details DB; (560) Query processing unit; (565) Board management unit; (AA) Seller terminal; (BB) Purchaser terminal; (CC) Communication server; (DD) Service engine; (EE) DB; (FF) Web server

Description

Electronic payment system and method {System and Method for Electronic Payment}

The present invention relates to an electronic payment, and more particularly, to an electronic payment system that can pay the price of goods transaction using the terminal of the buyer.

The purchaser pays for the transaction of the product while purchasing the product.In addition to cash, a lot of credit cards are used.In the case of offline transactions, payment is made through a value-added network (VAN). Payment is made through). In addition to the means available for payment, there are debit and check cards.

The VAN is a system for supporting an electronic payment service between a plurality of card companies and a plurality of card merchants, and supplies a card terminal to a card merchant, and is responsible for processing card authorization on payment by a credit card. With VAN, each card company does not need to separately establish a network with a large number of card merchants, and card merchants do not need to have different card terminals for each card company. However, there is a significant fee incurred for card authorization through VAN, which eventually passes to the card user. On the other hand, since the card terminal is under the management area of the affiliated store, there is a possibility that the card is illegally copied due to malicious intention, and since the VAN system communicates using a PSTN network or a general Internet line, important information may be exposed by hacking. Also exists. Accordingly, there is a demand for an electronic payment system having excellent security while reducing the burden on card users, card companies, and card merchants.

It is an object of the present invention to provide an electronic payment system that can be settled only by the purchaser terminal.

In addition, an electronic payment system may be provided to select and pay various payment methods in addition to a credit card.

According to an embodiment of the present invention, a buyer information and seller information is provided, and includes a database storing transaction details, payment means information selected from a plurality of payment means from a buyer terminal, payment amount information, buyer identification information, and seller identification information. The system of the financial institution corresponding to the payment means information, the communication server for receiving the payment information, the purchaser information corresponding to the buyer identification information, the seller information corresponding to the seller identification information, the payment method information and the payment amount information There is provided an electronic payment system including a web server for transmitting the transaction history to the buyer terminal connected via a service engine and a communication network for transmitting to the seller terminal and the seller terminal corresponding to the buyer terminal and seller information.

According to the present invention, when the mobile terminal is used as a purchaser terminal, since the main process of electronic payment is made in the mobile communication system, leakage of important information by hacking becomes very difficult.

In addition, various payment methods can be selectively used in addition to a credit card, so that a user can pay a product transaction price using a payment method that meets their needs.

1 is a flowchart sequentially illustrating an electronic payment process in an electronic payment system according to a preferred embodiment of the present invention.
2 is a flowchart illustrating a case where a credit card or the like is selected as a payment method in the electronic payment process of FIG. 1.
FIG. 3 is a flowchart illustrating a case where an account transfer is selected as a payment method in the electronic payment process of FIG. 1.
4 is a flowchart illustrating a case where a virtual account is selected as a payment means in the electronic payment process of FIG. 1.
5 is a diagram showing an electronic payment system according to a preferred embodiment of the present invention.

The present invention may be variously modified and have various embodiments, and specific embodiments will be illustrated in the drawings and described in detail with reference to the accompanying drawings. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

Also, in the present specification, when one component is referred to as "transmitting a signal" to another component, the one component may be directly connected to the other component to transmit a signal, but there is a specially opposite description. It is to be understood that unless otherwise, the signal may be transmitted in the intermediary with another component.

1 is a flowchart sequentially illustrating an electronic payment process in an electronic payment system according to a preferred embodiment of the present invention. The electronic payment process shown in FIG. 1 discloses a common process irrespective of a payment method, and a process that depends on the payment method indicated by reference numeral 140 will be described with reference to FIGS. 2 to 4.

After the buyer determines the product to be purchased offline, the seller requests sales information (100), and the seller delivers the sales information in response to the request (105). The sales information includes seller identification information, and may further include product information. The seller identification information is information that can uniquely identify the seller, and may be, for example, an ID of a merchant or a seller terminal, a phone number of the seller, and the like. The product information is information that can uniquely identify the product price and / or the product.

The buyer terminal requests sales information. The purchaser terminal is preinstalled with a service app, which is an electronic payment application that can pay for goods transactions using an electronic payment system. The service app provides the option to enter sales information at the buyer's option. The purchaser may directly input the sales information to the purchaser terminal or through a camera, a radio frequency identification (RFID), or a near field communication (NFC) module. When the sales information is input through the camera, the seller provides the buyer with an identifier indicating the sales information, for example, a two-dimensional barcode or a QR (Quick Response) code. In the case of RFID, the seller provides an RFID tag in which sales information is recorded, and a purchaser terminal equipped with a reader capable of recognizing the RFID tag obtains the sales information from the provided RFID tag. In the case of inputting the sales information through the NFC module, the seller terminal must also have an NFC module, the sales information is requested by the communication between the NFC modules, and transmits the requested sales information to the buyer terminal.

Upon obtaining the sales information, the buyer terminal transmits the payment information to the electronic payment system (110). The purchaser terminal is a terminal capable of data communication, and is an internet telephone or a mobile communication terminal. When the service app installed in the purchaser terminal completes input of payment information, the service app accesses the communication server of the electronic payment system (see FIG. 5) and delivers the payment information. Communication between the purchaser terminal and the communication server is made through a secure session.

The payment information includes buyer identification information, payment amount information, payment method information, seller identification information, and may further include authentication information. Buyer identification information is information that can uniquely identify the buyer, MDN, MIN, MSISDN, etc. may be used, but is not necessarily limited thereto, in order to use the electronic payment system, a pre-issued ID is used It may be. Payment amount information is input by the buyer. However, when the product price is included in the sales information, the purchaser may check the product price displayed on the output screen of the service app instead of directly inputting it by the buyer. The payment means information is information indicating a means for paying the commodity transaction price, and the included information varies according to the type of payment means. When using a credit card or the like as a payment means (see Fig. 2), the card number, expiration date and installment period are included. When using a bank transfer as a payment means (see Fig. 3), the buyer's account information is included. When the virtual account transfer is used as a payment method (see FIG. 4), the virtual account identifier is included. The card information and / or account information is pre-registered in the service app, and the buyer may select a desired payment method from the plurality of registered card information and / or account information. The authentication information may be information for identifying a buyer, for example, a social security number or an authentication key or an authentication number generated by an encryption module.

The communication server of the electronic payment system transmits the payment information received from the purchaser terminal to the service engine (115). The communication server establishes a secure session by performing a session establishment request from the purchaser terminal. In the session establishment process, the communication server authenticates whether the purchaser terminal is a terminal authorized to use data communication, and delivers the payment information delivered to the service engine only when the terminal is authenticated. If the terminal is not authorized to use data communication, the flow proceeds to step 125, in which the purchaser terminal is notified that the terminal authentication has failed. In addition, it is checked whether the buyer and / or the seller is a registered user in order to use the electronic payment system. If the user is not a registered user, the process also proceeds to step 125, in which the buyer terminal is notified that the terminal authentication has failed.

The service engine of the electronic payment system authenticates the buyer terminal requesting the electronic payment (120), and if the payment means included in the payment information is invalid, the service engine transmits it to the buyer terminal through the communication server ( 125). If the payment information is not valid, the service engine notifies the purchaser terminal of the authentication failure through the communication server, and the service app outputs it to the purchaser terminal. The payment process then returns to step 110 to allow another payment method to be selected.

On the other hand, if the payment information is valid, the service engine extracts information of the seller and the buyer from the database (130). Seller information is pre-stored in the database. Using the seller identification information, the service engine extracts previously registered seller information from the database. On the other hand, using the buyer identification information, the service engine extracts the buyer information. The seller information includes the seller's name (including trade name) and the seller's account information, and the buyer information includes the buyer's name. In addition, the buyer information may further include mileage information available to the buyer. In addition, the buyer information may further include electronic coupon information available to the buyer.

If there is mileage information and / or electronic coupon information associated with the buyer information, the service engine queries the purchaser terminal whether the mileage and / or the electronic coupon is used through the communication server (135). If the buyer agrees to the accumulated mileage and / or electronic coupon use, the amount and final payment amount deducted by the mileage and / or electronic coupon are transmitted to the buyer terminal, and the buyer terminal displays this on the screen.

The service engine performs step 140 according to the payment method. Step 140 relates to the processing according to the payment method selected by the buyer. The case in which a credit card or the like is selected as the payment method is shown in FIG. 2, the case in which a bank transfer is selected in FIG. Are respectively shown in FIG. 4. Embodiment according to the present invention, in order to provide a variety of payment means according to the buyer's choice, in conjunction with the credit card / bank company system that is a financial institution system outside the electronic payment system according to the payment method selected by the buyer.

If the payment requested by the buyer is approved by interworking with the financial institution, the service engine stores the transaction details of the buyer in a database (160). Transactions stored in the database includes buyer identification information, payment time, payment amount, seller identification information. The transaction history stored in the database can be confirmed by the buyer by the web server. Similarly, the seller can also access the web server and check the sales history using his seller identification information.

When the storage of the transaction is completed, the service engine transmits the electronic payment completion message to the purchaser terminal and the seller terminal through the electronic payment processing result transmission server (165 and 170). The processing result transmission server may be a message service center of a mobile communication system, and the processing result may be any one of a short message, a long message, a multimedia message, or an electronic mail. On the other hand, if the registered seller terminal is a POS (Point of Sale) terminal, the processing result transmission server may configure and transmit the electronic payment complete message in a form that can be displayed on the POS terminal.

After the electronic payment is completed, the seller accesses a web server and checks sales details (175).

FIG. 2 is a flowchart illustrating a case where a credit card or the like is selected as a payment method in the electronic payment process of FIG. 1.

After step 135 of FIG. 1 is completed, the service engine transmits an approval request for electronic payment to an external financial institution system (200). When the buyer selects a credit card or the like as a payment method, an authorization request is transmitted to a system of a bank or credit card company corresponding to the type of card. The approval request includes payment method information, payment amount information, buyer information, and seller information. Receiving the approval request, the financial institution system notifies the service engine of an approval response for approving payment processing by a card or the like.

Steps 210 to 230 are processes that can be selectively performed. In general, in the case of a credit transaction using a credit card, the financial institution immediately performs the approval of the transaction upon request for approval, but does not immediately deposit the actual transaction amount into the seller's account. On the contrary, in the embodiment according to the present invention, the amount of payment information from the account of the service provider operating the virtual account server to the account of the seller through the credit transaction payment institution to which the virtual account server belongs when the credit transaction using the credit card, etc. The amount of can be deposited immediately. Therefore, when not interworking with the credit institution, steps 210 to 230 are not executed.

When the service engine receives the authorization response, the service engine transmits a payment request including card information, payment amount information, buyer information, and seller information to the virtual account server (210).

According to the payment request received from the service engine, the virtual account server requests an external financial institution system to deposit the amount according to the payment amount information from the service provider account to the seller account, and receives a deposit completion signal when the deposit is completed (215). ).

Thereafter, the service engine requests the external financial institution system to deposit the payment amount which has already been paid to the seller from the account of the external financial institution corresponding to the credit card used by the buyer to the service provider account, and signals completion of the deposit. A settlement process for receiving is performed (230). At this time, the settlement process may be performed collectively every designated period.

The service engine then performs steps 160-175.

FIG. 3 is a flowchart illustrating a case where an account transfer is selected as a payment method in the electronic payment process of FIG. 1.

After step 135 of FIG. 1 is completed, the service engine transmits a payment request for electronic payment to an external financial institution system (300). The approval request includes payment method information, payment amount information, buyer information, and seller information.

The financial institution system transfers the amount corresponding to the payment amount information from the buyer's account to the seller's account in response to the request for bank transfer, and transmits the processing result to the service engine (310).

The service engine then performs steps 160-175.

4 is a flowchart illustrating a case where a virtual account transfer is selected as a payment method in the electronic payment process of FIG. 1.

After step 135 of FIG. 1 is completed, the service engine transmits an approval request for electronic payment to an external financial institution system (400). The approval request includes payment method information, payment amount information, buyer information, and seller information.

The virtual account server transfers the amount corresponding to the payment amount information from the buyer's virtual account to the seller's virtual account according to the approval request, and then transmits the processing result to the service engine. The amount transferred by the virtual account server is deposited into the seller's account by the credit settlement payer, and the institution managing the electronic payment system bills the buyer for the settlement amount on behalf of the credit settlement payer. If the agency that manages the electronic payment system regularly incurs invoices for service provision, such as telecommunications companies or cable TV companies, the settlement amount may be added to the invoice and issued.

The service engine then performs steps 160-175.

5 is a diagram illustrating an electronic payment system according to a preferred embodiment of the present invention.

The electronic payment system includes a communication server, a service engine, a database, and a web server, and communicates with a purchaser terminal through a communication network. The seller terminal may access the web server of the electronic payment system and check the sales history.

The buyer terminal is installed with a service app 500 for buyers who can pay for the transaction price of goods using the electronic payment system, the data communication terminal. On the other hand, as a means for obtaining sales information, it may include at least one of a camera, an RFID reader, or an NFC module. The buyer service app 500 obtains the sales information from the buyer through a camera, an RFID reader, or an NFC module, and outputs it on the screen of the buyer terminal. On the other hand, the sales information may be directly input by the buyer. The buyer service app 500 provides a price input window so that a buyer can directly input payment amount information. Meanwhile, when the product price information is obtained using the product information, the product price information may be output to the amount input window, and only the purchaser's confirmation may be obtained. The product price information may be included in the sales information or searched on the internet using the product information.

The seller terminal is any one of a POS terminal, an Internet telephone, and a mobile communication terminal, and outputs an electronic payment completion message received from the processing result transmission server. Meanwhile, a seller service app 505 may be installed in the seller terminal, and the seller information is provided to the buyer terminal. Sales information may be provided through a two-dimensional barcode or RFID tag. If the seller terminal is a POS terminal, the seller service app 505 outputs the information obtained from the barcode attached to the product as a two-dimensional barcode on the screen of the POS terminal or records the RFID tag, so that the buyer terminal acquires the sales information. Do it. On the other hand, if the seller terminal is built in the NFC module or the NFC module is connected, the seller service app 505 may provide sales information through the short-range communication with the buyer terminal. Since the method of providing the sales information without the seller terminal has been described with reference to FIG. 1, it will be omitted here.

The communication server establishes a session for data communication with the purchaser terminal through a communication network and is responsible for secure communication outside the electronic payment system. The communication server includes a communication security manager 510 for maintaining communication security through a session, a user session manager 515 for establishing a session for communication with a buyer terminal, and a user authentication manager 520 for authenticating a buyer terminal. do.

The service engine analyzes the information included in the payment method information, identifies the financial institution that can process the payment method selected by the buyer, generates an approval request, and sends the approval request to the system of the financial institution corresponding to the payment method information. do. The service engine analyzes the user information verification unit 525 for retrieving the buyer information and the seller information from the database and the payment method information by using the buyer identification information and the seller identification information to determine the system of the corresponding financial institution, and sends the approval request. And a payment processing unit 530 for storing the approved transaction details in the database. Additionally, the service engine may further include a coupon / discount information management unit 535 that may provide a discount to the buyer by searching the stored mileage and / or electronic coupon associated with the buyer identification information and notifying the payment processing unit. have.

The database includes a user database 540 for storing user information registered in the electronic payment system, a seller database 545 for storing seller information, and a transaction history database 550 for storing transaction details. Seller information, buyer information and transaction details stored in the database are associated with buyer identification information and seller identification information.

The web server includes a bulletin board manager 555 for posting a transaction through an Internet page, and a query processor 560 for generating a query for searching for a transaction for a specific buyer or seller in the transaction history database 550. The web server may be accessed by the buyer terminal or the seller terminal, and provides the transaction details to the buyer and the sales history to the seller.

    So far I looked at the center of the embodiment for the present invention. Many embodiments other than the above-described embodiments are within the claims of the present invention. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. The disclosed embodiments should, therefore, be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

Claims (20)

A communication server for receiving payment information including payment amount information, buyer identification information, and seller identification information from a buyer terminal;
A service engine for requesting a financial institution system to transfer the amount corresponding to the payment amount information to a seller account corresponding to the seller identification information according to the payment information.
Electronic payment system comprising a.
The method according to claim 1,
The purchaser terminal obtains the seller identification information from a barcode including the seller identification information, a Quick Response (QR) code, or a Radio Frequency Identification (RFID) tag.
The method according to claim 1,
The purchaser terminal receives the sales information including the seller identification information from the seller terminal through the NFC (Near Field Communication) module.
The method according to claim 1,
The payment information further comprises payment means information indicating any one of the one or more payment means.
5. The method of claim 4,
If the payment means information indicates a credit card payment, the service engine sends a request for approval of the credit card payment to the financial institution system,
And upon receipt of an approval response corresponding to the approval request, requesting an account transfer of an amount corresponding to the payment amount information from a service provider's account to the seller's account to the financial institution's system.
6. The method of claim 5,
The service engine electronic payment system, characterized in that the server requests the financial institution to deposit the payment amount to the account of the service provider on a predetermined date.
5. The method of claim 4,
And when the payment means information indicates an account transfer, the service engine requests the system of the financial institution to transfer the payment amount from the buyer's account to the seller's account.
5. The method of claim 4,
If the payment means information indicates a virtual account transfer, the service engine requests the account transfer of the payment amount to the virtual account server,
The virtual account server electronic payment system, characterized in that for transferring the payment amount from the virtual account of the buyer to the virtual account of the seller.
The method according to claim 1,
And a web server transmitting transaction details corresponding to the transfer to the purchaser terminal connected through a communication network.
The method of claim 1, wherein the communication server,
A user session manager configured to establish a session for communicating with the buyer terminal;
A communication security manager that maintains security of communication through the session; And
Electronic payment system comprising a user authentication management unit for authenticating the buyer terminal.
The method of claim 1,
Further comprising a database for providing the buyer information and the seller information, the transaction history corresponding to the approval request,
The service engine,
The user information checking unit searching for the buyer information and the seller information in the database by using the buyer identification information and the seller identification information; And
And a payment processing unit for requesting the transfer to a system of the financial institution and storing transaction details corresponding to the transfer in a database.
The method of claim 1,
The service engine further comprises a coupon / discount information management unit for managing the discount information stored in the database associated with the buyer identification information.
The method of claim 1,
And a processing result transmission server for transmitting the electronic settlement completion message including the electronic settlement processing result to the purchaser terminal and the seller terminal.
Receiving payment information including payment amount information, buyer identification information, and seller identification information from the buyer terminal; And
And requesting a transfer from the financial institution system of the amount corresponding to the payment amount information to a seller account corresponding to the seller identification information according to the payment information.
15. The method of claim 14,
The payment information further comprises payment means information indicating any one of the one or more payment means.
15. The method of claim 14,
Requesting the transfer to a financial institution system
If the payment means information indicates a credit card payment, transmitting a request for approval of the credit card payment to the financial institution system; And
Receiving an approval response corresponding to the approval request, requesting an account transfer of an amount corresponding to the payment amount information from the service provider's account to the seller's account to the financial institution's system; Electronic payment method.
17. The method of claim 16,
Requesting the financial institution for the payment of the payment amount to the service provider's account on a predetermined date.
The method of claim 15,
Requesting the transfer to a financial institution system
Requesting the financial institution system to transfer the payment amount from the buyer's account to the seller's account when the payment means information indicates an account transfer.
The method of claim 15,
Requesting the transfer to a financial institution system
And when the payment means information indicates a virtual account transfer, transferring the settlement amount from the buyer's virtual account to the seller's virtual account.
15. The method of claim 14,
The electronic payment method further comprises the step of transmitting an electronic payment complete message including the result of the electronic payment processing to the buyer terminal and the seller terminal.

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