KR20120106448A - System and method for providing payment service - Google Patents

Abstract

PURPOSE: A payment service providing system and a method thereof are provided to improve the credibility of a financial transaction service between individuals or an individual and a company by performing payment through bidirectional communication between terminals including a reader and a tag. CONSTITUTION: If a purchaser terminal(10) approaches a seller terminal(20) according to the purchase of a user, the purchaser terminal transmits tag information to the seller terminal. A reader of the seller terminal receives first tag information by recognizing a tag of the purchaser terminal. The seller terminal generates second tag information by mapping payment information with identification information of the purchaser information. The seller terminal stores the second tag information in a tag of the seller terminal. The purchaser terminal receives the second tag information from the seller terminal. The purchaser terminal includes the second tag information in the first tag information. [Reference numerals] (20) Seller terminal; (30) Payment system; (AA) Communication network

Description

System and Method for providing payment service

The present invention relates to a payment service providing system and method.

Recently, as the mobile communication terminal develops, various smart cards for protecting user information of the mobile communication terminal are mounted in the mobile communication terminal. For example, there is a Universal Subscriber Identity Module (USIM) card installed in a mobile communication terminal of WCDMA, which is a third generation mobile communication method. The USIM card combines subscriber identity module (SIM) card with subscriber information and universal IC card (UICC), and implements various functions such as user authentication, global roaming, and e-commerce in one card. The USIM card is essentially mounted on the mobile communication terminal of the third generation mobile communication (WCDMA) and can be attached and detached to the mobile communication terminal.

The prepaid electronic money service utilizing USIM security is being used in earnest by utilizing the electronic commerce function of the USIM card, which is essentially installed in the mobile communication terminal. An example of a prepaid rechargeable electronic money service is a prepaid rechargeable transportation card service using a mobile communication terminal equipped with a USIM card installed with a transportation card function. The user may use public transportation as a mobile communication terminal instead of a separate transportation card. In addition, an example of a postpaid electronic money service is a credit card service using a mobile communication terminal equipped with a USIM card installed with a credit card function. Here, the credit card function may include a postpaid transportation card function.

However, the communication function of the conventional USIM card is limited to a radio frequency identification (RFID) radio recognition technology, and only one-way transmission of pre-stored data such as tag information is possible. That is, the electronic commerce function implemented in the USIM card has only a function of storing and providing information on payment means such as electronic money.

The present invention is to perform the payment through the two-way communication between the terminal having a reader and a tag.

According to an aspect of the present invention, a payment service providing system including a plurality of terminals having a bidirectional short-range communication function is disclosed.

The payment service providing system according to an exemplary embodiment of the present invention receives a first terminal storing first tag information including identification information of a terminal and the first tag information, and converts the identification information and payment information into second tag information. And a second terminal for storing, wherein the first terminal receives the second tag information from the second terminal to obtain the payment information, and includes payment information and payment information of a user of the first terminal. Request the payment by sending to the payment system.

According to another aspect of the present invention, a method for providing a payment service in a payment service providing system including a plurality of terminals having a bidirectional short-range communication function is disclosed.

In the payment service providing method according to an embodiment of the present invention, the second terminal receives the first tag information from the first terminal that stores the first tag information including the identification information of the terminal, the second terminal is Storing identification information and payment information as second tag information, wherein the first terminal receives the second tag information to obtain the payment information, and the first terminal is information of a user of the first terminal. Requesting payment by transmitting payment information and payment information to a payment system.

The present invention can perform the payment through the two-way communication between the terminal having a reader and a tag.

In addition, the present invention can increase the reliability of financial transaction services between individuals and between companies or between individuals.

1 is a configuration diagram schematically illustrating a configuration of a payment service providing system.
2 is a configuration diagram schematically illustrating a configuration of a buyer terminal.
3 is a configuration diagram schematically illustrating a configuration of a seller terminal.
4 is a flowchart illustrating a payment service providing method.

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.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. In addition, numerals (e.g., first, second, etc.) used in the description of the present invention are merely an identifier for distinguishing one component from another.

Also, in this specification, when an element is referred to as being "connected" or "connected" with another element, the element may be directly connected or directly connected to the other element, It should be understood that, unless an opposite description is present, it may be connected or connected via another element in the middle.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, the same reference numerals will be used for the same means regardless of the reference numerals in order to facilitate the overall understanding.

1 is a configuration diagram schematically illustrating a configuration of a payment service providing system.

Referring to FIG. 1, the payment service providing system includes a buyer terminal 10, a seller terminal 20, and a payment system 30.

The purchaser terminal 10 and the seller terminal 20 include a short range communication unit including a tag and a reader for obtaining tag information from the tag. The purchaser terminal 10 and the seller terminal 20 may perform two-way communication with each other through a short-range communication unit to perform payment for goods purchased by the user of the purchaser terminal 10.

For example, the purchaser terminal 10 and the seller terminal 20 may have a bidirectional Near Field Communication (NFC) function. NFC (Near Field Communication) is one of RFID (RF IDentification) technologies, and mobile communication terminals such as mobile phones, PCS terminals, PDA terminals, notebook computers, and PCs have a low frequency within 10 cm using a frequency of 13.56 MHz band. Refers to contactless short-range wireless communication that can transmit data (424kbps class) with power. The NFC terminal largely supports peer-to-peer communication, RFID reading, and card emulation. Among them, end-to-end communication or RFID reading is an essential function on an NFC device.

In addition, the short range wireless communication may be Bluetooth, ZigBee, or the like. Table 1 below shows the specifications of the short range wireless communication technology.

Frequency band Range Speed Setup time Security Application NFC 13.56 MHz 0.3m + 400 Kbps + 0.1 s High
(Hardware Level) Payment, RFID Bluetooth 2.4 GHz 1-100 m 1 to 3 Mbps 6s Middle (Software Level) Data Exchange Zigbee 2.4 GHz center ~ 100m + 20-250
Kbps Always Low Device control

For example, the purchaser terminal 10 is a mobile communication terminal having a short range communication function including a tag and a reader, and performs communication through a mobile communication network, and the seller terminal 20 is a short range communication including a tag and a reader. A terminal having a function and performing payment for a product requested by a buyer in a store, for example, may be a point of sales (POS) terminal.

In addition, the purchaser terminal 10 and the seller terminal 20 may be a mobile communication terminal having a short range communication function including a tag and a reader and performing communication through a mobile communication network. At this time, the seller terminal 20 may be provided with a means for recognizing the purchased goods. For example, the seller terminal 20 may be provided with a code recognition device for recognizing a barcode or QR code printed on the product. In addition, the seller terminal 20 may store store information, product information in the store. The store information may include store identification information, store financial information (for example, deposit account information of the store, etc.), connection information (for example, a URL) to the store server, and the like. The product information may include detailed information and price information about the product. In this case, the product information may be mapped and stored with an identifier such as product code information. The product code information is an identifier for identifying each product. For example, the seller terminal 20 may receive an identifier for a purchased product through a number / character input means or a code recognition device to recognize the corresponding product.

Hereinafter, for convenience of understanding and explanation, the buyer terminal 10 is a mobile communication terminal of the buyer, the seller terminal 20 will be described on the assumption that the terminal for the payment of goods purchase in the store.

The seller terminal 20 recognizes the purchased product by extracting an identifier from the purchased product to be purchased by the user. For example, the seller terminal 20 may extract the product code information by recognizing a barcode printed on the purchased product, and searches for a storage unit (not shown) in which the product code information and the product information are mapped to search for the stored product. Product information can be extracted.

In addition, when the purchaser terminal 10 approaches the seller terminal 20 according to a user's purchase of a product, the purchaser terminal 10 transmits its own tag information (hereinafter, referred to as first tag information) to the seller terminal 20. do. That is, the reader of the seller terminal 20 receives the first tag information by recognizing the tag of the buyer terminal 10.

Here, the first tag information includes identification information on the purchaser terminal 10. Subsequently, the seller terminal 20 generates the second tag information by mapping the payment information to the identification information of the buyer terminal 10. The generated second tag information is stored in its own tag. Here, the payment information may include price information and store information on the purchased product.

Subsequently, the purchaser terminal 10 receives the second tag information from the seller terminal 20, includes it in the first tag information, stores it in its own tag, and extracts payment information from the first tag information. The purchaser terminal 10 requests the payment by transmitting the extracted payment information and the payer information to the payment system 30. Here, the payer information may be information of a user of the buyer terminal 10, and may be stored in advance in the buyer terminal 10. For example, the payer information may include a user's credit card information, bank account information, electronic money information and the like.

Thereafter, when the purchaser terminal 10 receives the approval result information for the payment request from the payment system 10, the purchaser terminal 10 includes the approval result information in the first tag information of its own tag and stores it. In this case, the approval result information may be mapped and stored with the corresponding payment information.

Thus, the seller terminal 20 may obtain the approval result information from the first tag information received from the tag of the buyer terminal 10.

When the payment system 30 receives a payment request from the purchaser terminal 10, the payment system 30 performs payment for the purchased product using the payment information and the payment information received from the purchaser terminal 10.

For example, the payment system 30 may include a value added network (VAN) server and an authorization server. Here, the authorization server may be a server of a credit card company, a bank server and the National Tax Service. The payment system 30 requests the approval to the approval server through the van server according to the payment request of the buyer terminal 10, and when the approval is granted, passes the approval result information to the buyer terminal 10 via the van server again. You can pay for the purchased goods. VAN refers to a communication system that enables additional services such as information transfer and accumulation, unlike a communication that simply sends and receives a voice signal by connecting a computer to a communication network, and is also called a value-added communication network. The van server refers to a server that performs a financial service by connecting the approval server and the purchaser terminal 10 during the payment process. The authorization server may have a different kind of authorization server depending on a purchaser's payment method of credit card or debit card (check card).

For example, the payment system 30 may be a store server that performs payment online. That is, the purchaser terminal 10 may be connected to the store server using the connection information to the store server. Accordingly, the store server may perform payment using the payment information and the payer information received from the purchaser terminal 10.

2 is a configuration diagram schematically illustrating a configuration of a purchaser terminal.

Referring to FIG. 2, the purchaser terminal 10 includes a mobile communication unit 11, a short range communication unit 12, a payment processing unit 15, and a controller 16. As described above with reference to FIG. 1, the purchaser terminal 10 may be a mobile communication terminal having a reader and a tag. In the configuration diagram of FIG. 2, the purchaser terminal 10 may further include a general configuration unit of a mobile communication terminal such as a display unit, an input unit, a wireless unit, a handset unit, and the payment processing unit 15 implements a payment service providing method. For the configuration added specifically for the bar, the description of the general configuration will be omitted. The function and role performed by the payment processing unit 15 may be performed by the control unit 16 integrated.

The mobile communication unit 11 communicates with various devices or mobile communication terminals connected to the mobile communication network through the mobile communication network. For example, the mobile communication unit 11 may transmit payment information and payer information to the payment system 30 and receive the approval result information.

The short range communication unit 12 includes a reader module 13 and a tag module 14. For example, the reader module 13 may receive tag information from a tag module mounted on the seller terminal 20, and the tag module 14 may transmit the stored tag information to the reader module mounted on the seller terminal 20. have.

The tag module 14 stores identification information of the purchaser terminal 10, and may store tag information of the seller terminal 20 received by the reader module 13 under the control of the controller 16. Here, the tag information of the seller terminal 20 may include payment information including store information, product information, and the like. In addition, the tag module 14 may store the approval result information received from the payment system 30 through the mobile communication unit 11.

When the payment processing unit 15 receives the tag information from the seller terminal 20 through the reader module 13, the payment processor 15 performs the payment using the tag information of the seller terminal 20. That is, the payment processing unit 15 stores the tag information of the seller terminal 20 in the tag module 14 and extracts payment information from the tag information. The payment processor 15 transmits the extracted payment information and the payer information to the payment system 30 through the mobile communication unit 11, thereby requesting the payment to the payment system 30. The payer information may be stored in advance in a storage unit (not shown). For example, the payer information may include electronic money information such as a user's credit card number.

In addition, when the payment processing unit 15 receives the approval result information for the payment request from the payment system 30, the payment processing unit 15 stores the approval result information in the tag module 14.

The controller 16 controls each component of the purchaser terminal 10 (for example, the mobile communication unit 11, the local area communication unit 12, and the payment processing unit 15).

3 is a configuration diagram schematically illustrating a configuration of a payment terminal.

Referring to FIG. 3, the seller terminal 20 includes a mobile communication unit 21, a short range communication unit 22, a purchase product recognition unit 25, a tag information generation unit 26, and a control unit 27. As described above with reference to FIG. 1, the seller terminal 20 may be a mobile communication terminal having a reader and a tag or a store terminal that performs a payment in a store. In the configuration diagram of FIG. 3, the seller terminal 20 may further include a general component of a mobile communication terminal such as a display unit, an input unit, a wireless unit, a handset unit, a purchase product recognition unit 25, and tag information generation unit. Reference numeral 26 corresponds to a configuration specially added for implementing a payment service providing method, and descriptions of general configurations will be omitted. The functions and roles performed by the purchase product recognition unit 25 and the tag information generation unit 26 may be integrated and performed by the control unit 27.

The mobile communication unit 21 communicates with various devices or mobile communication terminals connected to the mobile communication network through the mobile communication network. If the seller terminal 20 is a store terminal, it may be replaced by a communication means for connecting to the wired communication network in place of the mobile communication unit 21.

The short range communication unit 22 includes a reader module 23 and a tag module 24. For example, the reader module 23 may receive tag information from a tag module mounted on the purchaser terminal 10, and the tag module 24 may transmit the stored tag information to the reader module mounted on the purchaser terminal 10. have.

The reader module 23 receives tag information including identification information about the purchaser terminal 10 from a tag of the purchaser terminal 10. In addition, the reader module 23 receives tag information including the approval result information from the tag of the purchaser terminal 10.

The tag module 24 stores tag information in which identification information and payment information of the purchaser terminal 10 are mapped.

The purchased product recognition unit 25 extracts an identifier from the purchased product according to the user's purchase of the product to recognize the purchased product. For example, the purchased product recognition unit 25 may extract the product code information by recognizing the barcode printed on the purchased product. In addition, the purchase product recognition unit 25 may recognize the purchase product using the product code information input through the number / letter input means. In this case, the purchased product recognition unit 25 may recognize the purchased product by searching the storage unit (not shown) in which the product code information and the product information are mapped to extract the product information of the corresponding product.

When the reader module 23 receives the tag information including the identification information of the buyer terminal 10, the tag information generation unit 26 generates the tag information by mapping payment information to the identification information. The generated tag information is stored in the tag module 24. Here, the payment information may include price information and store information on the purchased product.

The controller 27 controls each component of the seller terminal 20 (for example, the mobile communication unit 21, the short range communication unit 22, the purchased product recognition unit 25, and the tag information generation unit 26). .

4 is a flowchart illustrating a payment service providing method.

In step S410, the seller terminal 20 recognizes the purchased goods. The seller terminal 20 recognizes the purchased product by extracting an identifier from the purchased product according to the user's purchase of the product. For example, the seller terminal 20 may extract the product code information by recognizing a barcode printed on the purchased product, and searches for a storage unit (not shown) in which the product code information and the product information are mapped to search for the stored product. Product information can be extracted.

In operation S420, the purchaser terminal 10 transmits the first tag information to the seller terminal 20. Here, the first tag information is tag information of the buyer terminal 10 and includes identification information of the buyer terminal 10. That is, the reader module 23 of the seller terminal 20 may receive first tag information from the tag module 14 of the purchaser terminal 10.

In operation S430, the seller terminal 20 recognizes the buyer terminal 10 through identification information of the buyer terminal 10 included in the first tag information.

In operation S440, the seller terminal 20 generates and stores second tag information including payment information. That is, the seller terminal 20 generates the second tag information by mapping the identification information and the payment information of the buyer terminal 10, and stores the second tag information in its tag module 24. Here, the payment information may include price information and store information on the purchased product.

In operation S450, the seller terminal 20 transmits the second tag information to the purchaser terminal 10. That is, the reader module 13 of the purchaser terminal 10 may receive second tag information from the tag module 24 of the seller terminal 20.

In operation S460, the purchaser terminal 10 requests a payment to the payment system 30 according to the reception of the second tag information. That is, the purchaser terminal 10 receives the second tag information from the seller terminal 20, stores the second tag information in the first tag information of the tag module 14, and extracts payment information from the first tag information. The purchaser terminal 10 requests the payment by transmitting the extracted payment information and the payer information to the payment system 30. Here, the payer information may be information of a user of the buyer terminal 10, and may be stored in advance in the buyer terminal 10. For example, the payer information may include electronic money information such as a user's credit card number.

In operation S470, the payment system 30 transmits the approval result information on the payment request to the purchaser terminal 10. At this time, when the purchaser terminal 10 receives the approval result information from the payment system 10, the purchaser terminal 10 includes the approval result information in the first tag information of its tag module 14 and stores it. In this case, the approval result information may be mapped and stored with the corresponding payment information.

In operation S480, the purchaser terminal 10 transmits the approval result information to the seller terminal 20. That is, the seller terminal 20 may obtain the approval result information from the first tag information received from the tag module 14 of the buyer terminal 10.

Up to now, the case where the buyer terminal 10 is the buyer's mobile communication terminal, the seller terminal 20 is a terminal that performs payment for the purchase of goods in the store.

In another embodiment, when the purchaser terminal 10 and the seller terminal 20 are individual mobile communication terminals having a short range communication function, payment between individuals (ie, between consumers) may be performed. In this case, the seller terminal 20 may not have a means for recognizing a purchased product, and may receive payment only by inputting price information. In this case, the seller terminal 20 may store financial information (eg, deposit account information, etc.) of an individual (seller).

That is, the seller terminal 20 receives the price information from the seller, generates and stores the second tag information including the payment information. Here, the payment information may include amount information and the seller's financial information. Subsequently, when the buyer terminal 10 receives the second tag information, the purchaser terminal 10 may request payment by transmitting the payment information acquired through the second tag information and the payer information stored in the buyer terminal 10 to the payment system 30. have. For example, assuming that the electronic money information included in the payer information is the buyer's withdrawal account number, the payment system 30 may transfer the corresponding amount from the buyer's withdrawal account to the seller's deposit account.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined in the appended claims. It will be understood that the invention may be varied and varied without departing from the scope of the invention.

10: buyer terminal
20: seller terminal
30: payment system

Claims (10)

In the payment service providing system comprising a plurality of terminals having a bidirectional short-range communication function,
A first terminal storing first tag information including identification information of the terminal; And
A second terminal configured to receive the first tag information and store the identification information and payment information as second tag information;
The first terminal receives the second tag information from the second terminal to obtain the payment information, and requests payment by transmitting the payment information and the payment information, which is the information of the user of the first terminal, to the payment system. Payment service providing system, characterized in that.
The method of claim 1,
When the first terminal receives the approval result information for the payment request from the payment system, the first terminal includes the approval result information in the first tag information and stores the received result information.
And the second terminal receives the first tag information to obtain the approval result information.
The method of claim 1,
The first terminal is a mobile communication terminal, the second terminal is a store terminal that performs the payment of goods in the store,
The second terminal recognizes the product in accordance with the purchase of the product of the user of the first terminal, the payment service providing system, characterized in that for generating the payment information for the product.
The method of claim 1,
The first terminal and the second terminal is a mobile communication terminal,
The second terminal is a payment service providing system, characterized in that provided with a purchase product recognition means for recognizing the purchase product.
The method of claim 1,
The first terminal and the second terminal is a mobile communication terminal,
The second terminal receives payment information and generates payment information including the payment information, and the first terminal requests payment to the payment system using the payment information.
In the method of providing a payment service in a payment service providing system comprising a plurality of terminals having a bidirectional short-range communication function,
Receiving the first tag information by a second terminal from a first terminal storing first tag information including identification information of the terminal;
Storing, by the second terminal, the identification information and payment information as second tag information;
Acquiring, by the first terminal, the payment information by receiving the second tag information; And
And transmitting, by the first terminal, payment information and payment information of the user of the first terminal to the payment system to request a payment.
The method according to claim 6,
Receiving, by the first terminal, approval result information on a payment request from the payment system from the payment system;
Storing, by the first terminal, the approval result information in the first tag information; And
And receiving, by the second terminal, the first tag information to obtain the approval result information.
The method according to claim 6,
The first terminal is a mobile communication terminal, the second terminal is a store terminal that performs the payment of goods in the store,
Before the second terminal receives the first tag information,
The second terminal further comprises the step of recognizing the product in accordance with the purchase of the product of the user of the first terminal,
The second terminal maps the payment information to the identification information and storing as the second tag information
The payment service providing method comprising the step of generating payment information for the product.
9. The method of claim 8,
The first terminal and the second terminal is a mobile communication terminal,
The second terminal is a payment service providing method characterized in that the purchase product recognition means for recognizing the purchase product.
The method according to claim 6,
The first terminal and the second terminal is a mobile communication terminal,
The second terminal maps the payment information to the identification information and storing as the second tag information
Receiving payment information by the second terminal and generating payment information including the payment information;
The requesting payment is
The first terminal provides a payment service, characterized in that for requesting payment to the payment system using the amount information.

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