KR20120130883A - Payment service sytem, client devicce and smart card for payment service, method and apparatus for providing payment service - Google Patents

Abstract

PURPOSE: A payment service system, a client terminal device for a payment service, a payment service device, a method thereof, and a recording medium in which a computer program for the payment service method is recorded are provided to separate a client terminal device managing purchase information about products from a client terminal device managing payment information about the products. CONSTITUTION: A first purchaser-side client terminal device manages purchase information about a random product. A seller-side client terminal device generates a barcode by using the purchase information when the purchase information is transmitted from the first purchaser-side client terminal device. A payment service device(400) receives payment information to approve payment for the random product. [Reference numerals] (10) Network; (100) Client terminal device1; (200) Client terminal device2; (300) Client terminal device3; (400) Payment service device

Description

Payment service system, client terminal device for payment service, payment service device and method, recording medium recording computer program for executing payment service method TECHNICAL SERVICE, CLIENT DEVICCE AND SMART CARD FOR PAYMENT SERVICE, METHOD AND APPARATUS FOR PROVIDING PAYMENT SERVICE}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment service, and in particular, a payment service system suitable for enhancing safety at the time of payment by separating purchase information and payment information, a client terminal device for payment service, a payment service device and method, and a method for executing a payment service method. A recording medium on which a computer program is recorded.

Credit card payment used in the conventional online shopping has a problem that security is weak because the purchase and payment is made on the same device (for example, desktop).

For example, if your credit card information is hacked by an online credit card payment service, if you can only extract your preset password and credit card CVC (Card Validation Code) number through a hacking tool such as a zombie PC, The problem is that hacked credit cards can be used without any restrictions.

Therefore, in the embodiment of the present invention, the payment is made using the credit card information installed in the smart card in the mobile communication terminal, the client terminal device for managing the purchase information for the goods and the client terminal device for managing the payment information for the goods By separating each of the services to the payment process, we propose a payment service technology that can increase the safety at the time of payment.

For example, in an embodiment of the present invention, the purchase information for the goods may be managed through a desktop of a wired environment, and the payment information for the goods may be managed through a mobile communication terminal of a wireless environment.

Since payment related information and personal information such as credit card information are managed in a mobile communication terminal including a smart card, they are neither stored on the desktop nor exposed through the desktop.

The payment service system according to an embodiment of the present invention, when the purchase information is transmitted from the first buyer-side client terminal device for managing purchase information for any product, and from the first buyer-side client terminal device through a network, A seller side client terminal device generating transaction information and a bar code using purchase information and transmitting the generated bar code to the first buyer side client terminal device through the network; When provided to a buyer-side client terminal device, a second buyer-side client that reads a bar code for display processing through the first buyer-side client terminal device, converts the barcode into transaction information, and generates payment information using the converted transaction information. A terminal device and the seller through the network Receiving the transaction information from the client terminal device, it is possible to via the network, receiving the payment information from the second buyer client terminal-side apparatus includes a payment service unit that accepts payments for the goods random.

Here, the second buyer-side client terminal device may be a client terminal device capable of mobile communication.

The second buyer-side client terminal device may include a smart card in which an application for payment is stored.

In addition, the transaction information may include at least one of the purchase information, transaction identification (ID) or seller information.

In addition, the network may include at least one of a broadband network and a local area network.

The payment service apparatus according to an embodiment of the present invention, the first communication unit for receiving the transaction information for any article from the first client terminal device, and the payment information for the arbitrary article from the second client terminal device And a second communication unit, a payment processing unit which checks a payment validity using the transaction information and the payment information, and approves a payment for the arbitrary items according to a result of the payment validity checking.

The payment service apparatus may further include a client information database in which client information is stored.

In addition, the payment processing unit may approve payment for the arbitrary items when the payment information matches the client information stored in the client information database.

Client terminal device for a payment service according to an embodiment of the present invention, the reader unit capable of reading the N-dimensional code information including the purchase information for any goods, and using the code information read through the reader unit And generating a transaction information, processing the payment for the transaction information to generate payment information, and a communication unit for transmitting the payment information generated by the control unit to a payment service device through a network.

Here, the client terminal device may store a credit card application for payment processing of the arbitrary product.

In addition, the credit card application may be mounted in a smart card.

The transaction information may include at least one of the purchase information, the transaction ID, and the seller information.

A client terminal device for a payment service according to an embodiment of the present invention includes a transaction information generation unit for generating transaction information corresponding to purchase information from a buyer-side client terminal device, and purchase information from the buyer-side client terminal device. A barcode generation unit for generating a corresponding barcode, a communication unit for receiving the purchase information from the buyer-side client terminal device, transmitting the transaction information to a payment service device, or transmitting the barcode to the buyer-side client terminal device; And a control unit for controlling the transaction information generation unit, the barcode generation unit, and the communication unit.

Here, the transaction information may include at least one of the purchase information, the transaction ID, or the seller information.

In the payment service method according to an embodiment of the present invention, when purchase information about any product is generated through a purchaser client terminal device, generating transaction information using the generated purchase information, and generating the transaction information And transmitting a barcode corresponding to the generated transaction information and transmitting the generated barcode to the purchaser client terminal device.

Here, the barcode may include at least one of a transaction ID, a product price, or product information.

In the payment service method according to an embodiment of the present invention, when code information including purchase information of a certain product is displayed on a client terminal device for purchase management, a process of recognizing the code information and the recognized code information Converting the transaction information into a transaction information and displaying it to the outside; and, if there is a user confirmation, processing the payment for the transaction information to read the payment information, and transmitting the read payment information to a payment service device. Can be.

Herein, the payment information may be read by a credit card application.

The credit card application may also be stored in a smart card.

The payment service method according to an embodiment of the present invention comprises the steps of temporarily storing the transaction information received when a transaction information on a certain product is received from a client side client terminal device, and from the buyer side client terminal device within a predetermined time When the payment information is received, the process of determining the validity of the payment information by using the temporarily stored transaction information, and if it is determined that the payment information is valid, approves payment of the arbitrary goods, and the approval result is the buyer side And notifying the client terminal device and the seller side client terminal device.

The determining of the validity of the payment information may include at least one of a transaction ID, an item price, and seller information in the transaction information of the seller side client terminal device. The method may include determining whether payment information corresponds to the previously stored client information.

The payment service method may further include canceling payment of the arbitrary goods and returning a transaction cancellation result when the payment information is not received within the preset time or the payment information is invalid. The method may further include notifying the seller-side client terminal device.

According to an embodiment of the present invention, as a storage of the user's credit information for payment, using a credit card application stored in the smart card in the mobile communication terminal, the user's credit during online payment because the payment information is not exposed to the user's computer at all You can keep your information safe. In addition, the payment service according to an embodiment of the present invention, as a technology for the user to actively make payments, can be used without regard to online and offline where the purchase information is represented by a predetermined two-dimensional bar code. In other words, the seller can easily receive a credit card payment from the buyer if only the two-dimensional barcode generation application of the sales information is installed on the terminal such as the desktop. This may contribute to the activation of goods transactions using a mobile credit card in a situation where many Point of Sale (POS) terminals supporting NFC (Near Field Communication) are not widely distributed.

1 is a schematic block diagram of a payment service system according to an embodiment of the present invention;
2 is a block diagram illustrating a client terminal device for a payment service, for example, a buyer client terminal device 100 for payment information management, according to an embodiment of the present invention;
3 is a block diagram illustrating a client terminal device for a payment service, for example, a purchaser client terminal device 200 for managing purchase information according to an embodiment of the present invention;
4 is a block diagram illustrating a client terminal device for a payment service, for example, a seller client terminal device 300 according to an embodiment of the present invention;
5 is a detailed block diagram of a payment service device 400 according to an embodiment of the present invention;
6 is a flowchart illustrating a payment service method according to an embodiment of the present invention, specifically, a payment service process of a seller client terminal device 300;
7 is a flowchart illustrating a payment service method according to an embodiment of the present invention, specifically, a payment service process of a buyer client terminal device 100 for managing payment information;
8 is a flowchart illustrating a payment service method according to an embodiment of the present invention, specifically, a payment service process of the payment service device 400;
9A to 9C are flowcharts illustrating specific processes of a payment service method according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention and the manner of achieving them will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as being limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims.

In describing the embodiments of the present disclosure, when it is determined that a detailed description of a known function or configuration may unnecessarily obscure the subject matter of the present disclosure, the detailed description thereof will be omitted. Terms to be described below are terms defined in consideration of functions in the embodiments of the present invention, and may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout this specification.

Prior to the description of the embodiment, the terminal device for the management of payment information and transaction information according to the present invention, for example, a mobile communication terminal can be applied, such a mobile terminal is the most personalized equipment mainly used by only one individual Can be. In addition, a credit card application for managing payment information and transaction information may be installed in a smart card such as, for example, a universal integrated circuit card (UICC) or an embedded secure element (UICC) in a mobile communication terminal. Can be.

Since smart cards are in principle one of the safest stores that cannot be hacked, your credit information can be secured when you make an online payment.

In addition, credit card applications installed in smart cards can comply with international standards, so that they can be used both domestically and internationally.

Hereinafter, with reference to the accompanying drawings will be described in detail an embodiment of the present invention.

1 is a schematic block diagram of a payment service system according to an exemplary embodiment of the present invention, which includes a client terminal device 1 (100), a client terminal device 2 (200), a client terminal device 3 (300), and a network (10). , Payment service device 400, and the like.

As shown in FIG. 1, the client terminal device 1 100 manages payment information according to an embodiment of the present invention, transmits the corresponding payment information to the payment service device 400, and additionally provides transaction information. It may include a buyer client terminal device for displaying.

The client terminal device 1 100 may include, for example, client terminals capable of mobile communication such as a video phone or a smart phone.

The client terminal device 1 (100) may provide a broadband wireless communication service to a subscriber by interfacing with the network 10 through a wireless connection, and not only a second generation that supports a code division multiple access (CDMA) scheme, but also W-CDMA. It may include all the wireless environments that support the third generation or more wireless communication technology of the (Wideband Code Division Multiple Access) scheme. In addition, the client terminal device 1 100 may provide a short range wireless communication service such as Wi-Fi. Although one client terminal device is illustrated in the drawings, this is only an example for convenience of description, and a client terminal device that may be connected to a network may be configured as client terminal device groups including a plurality of client terminal devices. It will be apparent to those skilled in the art that the present invention can be made.

In this case, the reason why the client terminal device 1 (100) may be limited to a client terminal capable of mobile communication is that when the user purchases a certain product according to an embodiment of the present invention, the payment information is separated into a separate terminal. This is to manage the payment information by personally managing the important payment information in the client terminal device 1 (100) mainly used by one person for communication to increase the safety at the time of payment.

In particular, a smart card (not shown) in which a payment application for payment processing is stored may be mounted in the client terminal device 1 (100). The smart card is a high security means and a payment application for payment processing. This is because, when installed in the smart card in the client terminal device 1 (100), it can be safely protected from external hacking.

In addition, the client terminal device 1 (100) may include a bar code reader for reading a bar code displayed through the client terminal device 2 (200) to be described later, the read information read through the bar code reader, transaction information, For example, the information may be converted into information including purchase information (product name, price, etc.), transaction ID, seller information, and the like, and displayed on the client terminal device 1 (100). This will be described in more detail with reference to FIG. 2.

The client terminal device 2 200 may include a purchaser client terminal device for managing purchase information, for example, a product name, a price, and the like, for a certain product according to an embodiment of the present invention.

The client terminal device 2 200 may transmit the corresponding purchase information to the client terminal device 3 300, and receive a bar code according to the purchase information from the client terminal device 3 300 to display the display of the client terminal device 2 200. The display device may be externally output through a display means such as a liquid crystal display (LCD) or an organic light emitting diode (OLED).

The client terminal device 3 300 receives the purchase information from the client terminal device 2 200 and generates transaction information corresponding thereto, or generates a barcode according to the purchase information according to an embodiment of the present invention. It may include a seller client terminal device for transmitting to 2 (200). The transaction information generated by the client terminal device 3 300 may be provided to the payment service device 400.

The client terminal device 2 200 and the client terminal device 3 300 may be, for example, in various forms such as a tablet computer or a notepad or a laptop computer or a desktop. Client terminal devices.

In the drawings, one client terminal device is shown. However, this is only an example for convenience of description, and a plurality of client terminal devices or groups of client terminal devices connected to the network 10 may be implemented. It will be readily understood by those skilled in the art of the present invention.

The network 10 connects the client terminal devices 100, 200, 300 and the payment service device 400 to provide a payment service in which purchase information and payment information are separated according to an embodiment of the present invention. do.

Such a network 10 may include a broadband network and a local area network.

A broadband network, particularly a broadband wireless network, is involved in call setup and resource allocation of client terminal devices 100, 200, 300, and although not shown in the figure, call setup and resource allocation of a second other communication device. It will be readily understood by those skilled in the art that a wireless network that is involved in can be established.

Such a broadband wireless network serves to guarantee the mobility of the client terminal devices 100, 200, and 300, and may perform a function of managing handover and radio resources. The broadband wireless network may comprise a base station and a base station controller, and may support both synchronous and asynchronous. Here, in the case of synchronous, the base station will be a base transceiver station (BTS), the base station controller will be a base station controller (BSC). Will be. Of course, a broadband wireless network may comprise an access network of the specification of all the mobile communication system is not, access and implement future ^{3GPP (3 rd Generation Partnership Project)} GSM (Global System for Mobile Communication) of the standard non-CDMA networks are limited to will be.

Broadband networks, in particular broadband wired networks, are, for example, the Internet, the TCP / IP protocol and various services that exist in the upper layers, such as Hyper Text Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Global open computer network architecture that provides Domain Name System (DNS), Simple Mail Transfer Protocol (SMTP), Simple Network Management Protocol (SNMP), Network File Service (NFS), and Network Information Service (NIS). It provides an environment that allows any client terminal device, such as client terminal device 1 (100) of the terminal devices (100, 200, 300) to be connected to the payment service device (400).

The local area network in the network 10 may include a local area wired network and a local area network.

The local area network may be a local area network (LAN), for example, to provide a local area network environment between the client terminal devices 100, 200, 300, and the payment service device 400.

The short range wireless network provides a short range wireless communication environment between the client terminal devices 100, 200, 300 and the payment service device 300, and may include, for example, a wireless network environment such as Wi-Fi. Can be.

The payment service device 400 may be connected to the client terminal devices 100, 200 and 300 through the network 10 to provide a payment service according to an embodiment of the present invention. Specifically, the payment service device 400 receives payment information from the client terminal device 1 (100) for payment information management and receives transaction information from the client terminal device 3 (300) for transaction information management. And collect transaction information to process payment.

FIG. 2 is a detailed block diagram of the client terminal device 1 (100) of FIG. 1, which is a client terminal device for payment service, for example, a purchaser terminal device for managing payment information, according to an embodiment of the present invention. ), A barcode reader unit 104, a first communication unit 106, a smart card 108, a second communication unit 110, and the like.

As shown in FIG. 2, the control unit 102 performs overall control of the client terminal device 1 100, and reads barcode reading information read through the barcode reader unit 104, for example, transaction information of the corresponding product. The information may be converted into information including purchase information (product name, price, etc.), transaction ID, seller information, and the like to be displayed on the client terminal device 1 (100). In addition, the control unit 102 may provide the transaction information to be converted to the first communication unit 106 to be described later to allow the corresponding transaction information to be recognized in the smart card 108, or is performed in the smart card 108 to perform the first communication unit The payment information provided through the 106 is provided to the second communication unit 110 to be provided to the payment service device 400 through the network 10. In this case, the payment information may include, for example, information that may be processed through a credit card application stored in the smart card 108, for example, a credit card number, an expiration date, a CVC number, an account number, and the like.

The barcode reader unit 104 may include a means for reading a barcode that is displayed and processed through the client terminal device 2 200, for example, a barcode reader application. The barcode reader unit 104 may apply the barcode reading information to the controller 102. Can be.

Such a barcode is optically readable information, and may include, for example, two-dimensional (or N-dimensional or more) code information. Here, the two-dimensional code information may be, for example, a matrix type QR code, a data matrix code, a maxi code, and a stack barcode type. Portable Data File (PDF) 417 code, and the like. In addition, the 3D code information includes, for example, a color code using a tag recognition application of a smartphone, a holographic code obtained by multiplying a 2D code in a hologram type, and the like. can do.

The first communication unit 106 provides a communication interface environment between the control unit 102 and the smart card 108 described later, and may transmit the converted transaction information to the smart card 108 through the control unit 102.

The smart card 108 may be mounted in the client terminal device 1 100 and may be connected to the control unit 102 through the first communication unit 106 to exchange information with the client terminal device 1 100.

In this case, the smart card 108 may be provided with a payment application for payment of a user's purchase product, for example, a credit card application according to an embodiment of the present invention, provided from the control unit 102 through such a credit card application. The payment may be processed based on the transaction information, and the final payment processing information may be provided to the controller 102 through the first communication unit 106.

Such a smart card 108 may include, for example, a subscriber identity module (SIM) or a universal subscriber identity module (USIM), an embedded secure element, a micro SD card, or the like. In an embodiment of the present invention, a credit card application (or applet) may be mounted in the smart card 108 to provide a payment service as well as a communication service through the subscriber identification module.

3 is a detailed block diagram of the client terminal device 2 200 of FIG. 1, which is a client terminal device for a payment service, for example, a buyer client terminal device for managing purchase information, according to an embodiment of the present invention. ), A control unit 204, a communication unit 206, a barcode display unit 208, and the like.

As shown in FIG. 3, the input unit 202 is a key input unit for applying a client input signal of the client terminal device 2 200, for example, a purchase information input signal, to the controller 204. A key matrix, a touch panel, and the like.

The controller 204 may control the client terminal device 2 200 in response to the client input signal of the input unit 202.

For example, the control unit 204 may generate purchase information for any product in response to the purchase information input signal of the input unit 202, and the generated purchase information may be generated through the communication unit 206. That is, it may be controlled to transmit to the client terminal device 3 (300). In addition, the controller 204 may control the communication unit 206 to receive the barcode information from the client terminal device 3 300, and control the barcode display unit 208 to display the received barcode information externally. Can be.

The communication unit 206 is a communication means for connecting the client terminal device 2 200 and the client terminal device 3 300 through the network 10, for example, a broadband wireless communication module such as CDMA, W-CDMA, or the Internet. It may include a broadband wired communication module, such as a short-range wireless communication module, such as Wi-Fi.

The barcode display unit 208 may display the barcode information received through the communication unit 206 through display means (not shown) such as LCD and OLED. As described above, the barcode information displayed in this manner may include, for example, optically readable two-dimensional (or more than N-dimensional) code information.

4 is a block diagram illustrating a client terminal device 3 (300) which is a client terminal device for a payment service, for example, a seller client terminal device of FIG. 1, according to an embodiment of the present invention. The transaction information generator 306 and the barcode generator 308 may be included.

As shown in FIG. 4, the communication unit 302 interconnects the client terminal device 3 300 and the client terminal device 2 200 through the network 10 or the client terminal device 3 300 and the payment service device. As a communication means for interconnecting the 400 through the network 10, for example, a broadband wireless communication module such as CDMA, W-CDMA, or a broadband wired communication module such as the Internet, or a short range wireless communication module such as Wi-Fi. You can do it.

The controller 304 may control the communication unit 302 to receive the purchase information of the client terminal device 2 200 through the network 10.

In addition, the controller 304 may control the transaction information generator 306 to generate transaction information by using the received purchase information, and the transaction information generated through the transaction information generator 306 may be a payment service device ( The communication unit 302 may be controlled to be transmitted to 400.

In addition, the controller 304 may control the barcode generator 308 to generate barcode information by using the received purchase information, and the barcode information generated through the barcode generator 308 may be stored in the client terminal device 2 (200). The communication unit 302 may be controlled to be transmitted.

The transaction information generation unit 306 serves to generate transaction information corresponding to the purchase information received through the communication unit 302 under the control of the control unit 304, and the barcode generation unit 308 controls the control unit 304. It may serve to generate bar code information corresponding to the purchase information received through the communication unit 302 under the.

5 is a detailed block diagram of a payment service device 400 according to an embodiment of the present invention. The payment processing unit 402, the first communication unit 404, the second communication unit 406, and the client information DB (Data-Base) are shown in FIG. 408, the transaction information DB 410, and the like.

As shown in FIG. 5, the payment processing unit 402 may include payment information of the client terminal device 1 100 provided through the first communication unit 404 and a client terminal device 3 provided through the second communication unit 406. The transaction information of 300 may serve to process (approve) payment for any item.

The payment processing unit 402 inquires the credit card number, expiration date, etc. in the payment information provided from the client terminal device 1 (100) in conjunction with the credit card company server (not shown), the transaction provided from the client terminal device 3 (300) In the information, the transaction ID, the item price, the seller information, and the like may be compared with the client information in the client information DB 408 to serve to determine the validity.

For example, the payment processing unit 402, if the transaction ID, the item price, seller information, etc. provided from the client terminal device 3 (300) is the same as the client information stored in the client information DB 408, and the payment information is matched, the corresponding payment Process payment authorizations.

The first communication unit 404 receives payment information from the client terminal device 1 (100) and provides the payment information to the payment processing unit 402, and the second communication unit 406 receives transaction information from the client terminal device 3 (300). It may serve to receive and provide to the payment processing unit 402.

The client information DB 408 may store client information related to payment, for example, seller information, buyer information, and the like, and these information may be selected by the payment processing unit 402 as necessary.

The transaction information DB 410 may temporarily store transaction information provided through the second communication unit 406, and such transaction information may be selected by the payment processing unit 402 as necessary.

These DBs 408 and 410 are relational database management systems (RDBMS) such as Oracle, Infomix, Sybase, DB2, Gemston, Orion, An object oriented database management system (OODBMS) such as O2 may be implemented for the purposes of the present invention, and may have appropriate fields to achieve its function.

Hereinafter, with reference to the above-described configuration, with reference to the flowchart of Figures 6 to 8 attached to the payment service method according to an embodiment of the present invention will be described in detail.

6 is a flowchart illustrating a payment service method according to an embodiment of the present invention, specifically, a payment service process of a client terminal device 3 (300) which is a seller client terminal device.

6, in the embodiment of FIG. 6, when a user selects a product to purchase through Internet shopping, purchase information may be generated through the client terminal device 2 200, which is a buyer client terminal device. It is assumed that such purchase information is provided to the client terminal device 3 (300) which is a seller client terminal device.

As shown in FIG. 6, when purchase information is received from the client terminal device 2 (200), which is a buyer client terminal device managing only the purchase information (S100), the transaction information generation unit 306 in the client terminal device 3 (300). Under the control of the controller 304, the transaction information may be generated using the corresponding purchase information (S102). Such transaction information may include a unique transaction ID.

Transaction information generated through the transaction information generation unit 306 may be provided to the payment service device 400 through the communication unit 302 in the client terminal device 3 (300) (S104). To this end, it is necessary to apply the transaction information transmission and reception protocol in advance between the payment service device 400 and the client terminal device 3 (300).

In addition, the barcode generator 308 may generate a barcode corresponding to the transaction information generated through the transaction information generator 306 under the control of the controller 304 (S106). The generated barcode may include, for example, a transaction ID, a product price, product information, and the like.

The barcode generated through the barcode generator 308 may be transmitted to the client terminal device 2 200 (S108). Accordingly, the bar code described above may be displayed on the client terminal device 2 200. FIG.

7 is a flowchart illustrating a payment service method of a client terminal device 1 (100), which is a purchaser client terminal device for managing payment information, specifically, a payment service method according to an embodiment of the present invention.

In the embodiment of FIG. 7, the above-described barcode is displayed on the client terminal apparatus 2 200, and the client terminal apparatus 1 100 for managing payment information is in close proximity to the client terminal apparatus 2 200 on which the barcode is displayed. Assume that the barcode is scanned.

As shown in FIG. 7, the control unit 102 of the client terminal device 1 100 may determine whether a barcode displayed on the client terminal device 2 200 is recognized through the barcode reader unit 104 ( S200).

When the corresponding barcode is recognized through the barcode reader unit 104, the controller 102 may convert the recognized barcode information into transaction information (S202). In this case, the transaction information may include product purchase information (price, product name, etc.), seller information, transaction ID, and the like that can be read by the user.

Thereafter, the controller 102 may display the converted transaction information to induce a user to select a payment confirmation button while checking product purchase information and price information (S204). In this case, the payment confirmation button may be replaced with a preset password in the client terminal device 1 (100), and this fact will be easily understood by those skilled in the art.

When the user is confirmed by inputting a payment confirmation button (S206), the controller 102 may control to read the corresponding payment information through a credit card application stored in the smart card 108 (S208). In this case, the payment information may include, for example, a credit card number, an expiration date, a CVC number, an account number, and the like.

When the payment information is read through the credit card application in the smart card 108, the controller 102 controls the second communication unit 110 to transmit the read payment information to the payment service device 400 through the network 10. Can be (S210).

8 is a flowchart illustrating a payment service method according to an embodiment of the present invention, specifically, a payment service process of the payment service apparatus 400.

As shown in FIG. 8, the payment processing unit 402 in the payment service device 400 determines whether transaction information is received from the client terminal device 3 300 through the second communication unit 406 (S300). If the information is received, the process may proceed to step S302.

In operation S302, the payment processing unit 402 may temporarily store the received transaction information in the transaction information DB 410 (S302).

Thereafter, the payment processing unit 402 may determine whether payment information is received within a preset time (S304), and when the payment information is received, may determine the validity of the payment information using the transaction information described above (S306). For example, the payment processing unit 402 stores a transaction ID, an item price, a seller information, and the like in the transaction information of the client terminal device 3 300 received through the second communication unit 406 in the client information DB 408. The same as the information and the payment information of the client terminal device 1 (100) received through the first communication unit 404 can determine whether or not.

If the payment information is not received within the preset time or the payment information is not valid (S308), the payment processing unit 402 cancels the payment of the corresponding product and returns the transaction cancellation result to the client terminal device 1 (100) and the result. The client terminal device 3 300 may be notified (S310).

On the other hand, if it is determined that the payment information is valid (S312), the payment processing unit 402 proceeds to step S312 and step S314 to approve payment of the corresponding goods, and the approval result is the client terminal device 1 (100). And the client terminal device 3 (300).

Hereinafter, the payment service method according to an embodiment of the present invention will be described in more detail with reference to FIGS. 9A to 9C.

In FIGS. 9A to 9C, the client terminal device 1 100 is a smartphone, the client terminal device 2 200 is a desktop, and the client terminal device 3 300 is a seller-side client terminal of an online marketplace. A device (eg, a server device of an online marketplace) and the payment service device 400 exemplify a payment service device of a card company.

First, as illustrated in FIG. 9A, the product purchase window 900 for the product A is displayed on the client terminal device 2 200. In addition, a barcode payment application, for example, a QR code payment application 950, is running in the client terminal device 1 (100).

The user may purchase a product A through the product purchase window 900. Therefore, when the purchase button 905 of the product purchase window 900 is selected by the user, the client terminal device 2 200 may transmit the purchase information to the client terminal device 3 300. Here, the purchase information is information indicating that the user purchased the product A.

Then, as illustrated in FIG. 9B, the client terminal device 3 300 generates barcode information including a QR code corresponding to the payment information for the goods A, and generates the generated barcode information from the client terminal device 2 200. Can be sent to.

Thereafter, as illustrated in FIG. 9B, the client terminal device 2 200 may display the QR code 910 for payment included in the received barcode information on the screen. Then, the user may recognize the QR code 910 for payment displayed on the screen of the client terminal device 2 200 using the client terminal device 1 (100). For example, the client terminal device 1 100 may recognize the QR code 910 for payment through the QR code payment application 950 using the camera 104 corresponding to the barcode reader. Therefore, as shown in FIG. 9B, when the QR code 910 for payment is photographed through the camera 104, the QR code payment application 950 of the client terminal device 1 100 corresponds to the QR code on the screen. Product information and price information are displayed.

Thereafter, when the card payment button 960 is selected by the user, as shown in FIG. 9B, the client terminal device 1 100 transmits the payment information to the payment service device 400 of the card company. Here, the payment information may include at least one of user information and card information stored in the SIM card 108 corresponding to the smart card, and product information and price information on the product A included in the QR code.

The payment service apparatus 400 of the card company may perform card payment processing for the goods A using the received payment information.

As illustrated in FIG. 9C, the card company payment service apparatus 400 may transmit payment approval information to the client terminal device 1 100 and the client terminal device 3 300 when the payment processing is completed. In addition, the client terminal device 3 300 may transmit payment approval information to the client terminal device 2 200. Through this, the client terminal device 2 200 displays that the payment is completed in the product purchase window. The client terminal device 1 100 also displays that the payment is completed on the QR code payment application 950 screen.

Through these processes, the user can perform payment of goods purchased through a desktop such as a PC using a QR code of a smartphone.

Meanwhile, the payment service method of the present invention, which provides various embodiments as described above, may be embodied as computer executable code on a computer readable recording medium, and the computer readable recording medium may be a computer system. It can include any type of recording device in which data that can be read by is stored. Such computer-readable recording media may include, for example, non-volatile memory such as ROM, flash memory, magnetic storage, and the like, volatile memory such as RAM, and the like. The computer-executable code or program may be stored in a client terminal device (or smart card) according to an embodiment of the present invention or distributedly stored in a networked computer system.

In addition, an application (or applet) capable of performing payment service processing in which payment information and transaction information are separated according to an embodiment of the present invention has been described as being stored in a recording medium in a client terminal device or a smart card. It is merely illustrative for the purpose of description, and does not limit the scope of the invention. For example, a cloud computing environment in which the above-mentioned information is permanently stored in a virtual device (or server) on a network and a smart card or a smart card may be installed may be temporarily stored in the client terminal device. It may include. That is, it should be noted that the above-mentioned information may be stored in the virtualization apparatus on the network, and the information may be used anytime and anywhere through a smart card or a multimedia terminal that may include various types of multimedia functions.

In addition, due to the USIM-based communication device according to an embodiment of the present invention, applications for processing a payment service in which payment information and transaction information are separated may use an intelligent communication service between objects so that they can be used and managed in real time anytime and anywhere. It should be noted that it may be utilized in supporting M2M (Machine to Machine) communication fields.

As described above, according to an embodiment of the present invention, since a credit card application stored in a smart card in a mobile communication terminal is used as a storage of the user's credit information for payment, the payment information is not exposed to the user's computer at all. You can secure your credit information when making online payments. In addition, the payment service according to an embodiment of the present invention, as a technology for the user to actively make payments, can be used without regard to online and offline where the purchase information is represented by a predetermined two-dimensional bar code. In other words, the seller can easily receive a credit card payment from the buyer if only the two-dimensional barcode generation application of the sales information is installed on the terminal such as the desktop. This may contribute to the activation of goods transactions using a mobile credit card in a situation where many Point of Sale (POS) terminals supporting NFC (Near Field Communication) are not widely distributed.

100: client terminal device for payment information management
200: client terminal device for purchase information management
300: Merchant side client terminal device.
400: payment service device

Claims (23)

A first buyer-side client terminal device for managing purchase information for an arbitrary product;
When purchase information is transmitted from the first buyer-side client terminal device through a network, transaction information and a barcode are generated using the purchase information, and the barcode is generated to the first buyer-side client terminal device through the network. Seller side client terminal device for transmitting,
When the barcode is provided to the first buyer-side client terminal device through the network, the barcode that is displayed and processed by the first buyer-side client terminal device is read and converted into transaction information, and the converted transaction information is used. A second buyer-side client terminal device for generating payment information;
A payment service device that receives the transaction information from the client side client terminal device through the network and receives the payment information from the second buyer side client terminal device through the network to approve payment for the arbitrary product. Containing
Payment service system.
The method of claim 1,
The second buyer-side client terminal device is a client terminal device capable of mobile communication.
Payment service system.
3. The method according to claim 1 or 2,
The second buyer-side client terminal device includes a smart card in which an application for payment is stored.
Payment service system.
The method of claim 1,
The transaction information may include at least one of the purchase information, transaction identification (ID) or seller information.
Payment service system.
The method of claim 1,
The network includes at least one of a broadband network or a local area network.
Payment service system.
A first communication unit for receiving transaction information on any item from the first client terminal device;
A second communication unit which receives payment information for the arbitrary items from a second client terminal device;
It includes a payment processing unit for checking the validity of the payment using the transaction information and the payment information, and approves the payment for the arbitrary items according to the result of the payment validity check.
Payment service device.
The method according to claim 6,
The payment service device,
Further comprising a client information database in which client information is stored
Payment service device.
The method of claim 7, wherein
The payment processing unit,
Approving payment for the arbitrary item when the payment information matches the client information stored in the client information database;
Payment service device.
A reader unit capable of reading N-dimensional code information including purchase information on an arbitrary product,
A control unit for generating transaction information using the code information read through the reader unit, and generating payment information by processing payment for the transaction information;
It includes a communication unit for transmitting the payment information generated by the control unit to a payment service device via a network.
Client terminal device for payment service.
The method of claim 9,
The client terminal device stores a credit card application for payment processing of the arbitrary product.
Client terminal device for payment service.
11. The method of claim 10,
The credit card application is mounted in a smart card
Client terminal device for payment service.
The method of claim 9,
The transaction information includes at least one of the purchase information, the transaction ID, and the seller information.
Client terminal device for payment service.
A transaction information generation unit for generating transaction information corresponding to purchase information from a client side client terminal device;
A barcode generator for generating a barcode corresponding to the purchase information from the client side client terminal device;
A communication unit which receives the purchase information from the buyer side client terminal device, transmits the transaction information to a payment service device, or transmits the barcode to the buyer side client terminal device;
And a controller for controlling the transaction information generator, the barcode generator, and the communication unit.
Client terminal device for payment service.
The method of claim 13,
The transaction information includes at least one of the purchase information, the transaction ID, and the seller information.
Client terminal device for payment service.
Generating purchase information by using the purchase information generated when the purchase information of any product is generated through the buyer client terminal device;
Transmitting the generated transaction information to a payment service device;
Generating a barcode corresponding to the generated transaction information and transmitting the generated barcode to the purchaser client terminal device;
Payment service method.
The method of claim 15,
The barcode includes at least one of a transaction ID, a product price, and product information.
Payment service method.
Recognizing the code information when code information including purchase information of a certain product is displayed on a client terminal device for purchase management;
Converting the recognized code information into transaction information and displaying it externally;
If there is a user confirmation, a process of reading the payment information by processing the payment for the transaction information;
And transmitting the read payment information to a payment service device.
Payment service method.
The method of claim 17,
The payment information is read by a credit card application
Payment service method.
The method of claim 17,
The credit card application is stored in a smart card
Payment service method.
Temporarily storing the received transaction information when receiving transaction information about a certain product from a client terminal device of a seller;
Determining the validity of the payment information by using the temporarily stored transaction information when the payment information is received from the client terminal device of the purchaser within a preset time;
And if the payment information is determined to be valid, approving the payment of the arbitrary goods and notifying the purchaser-side client terminal device and the seller-side client terminal device of the approval result.
Payment service method.
21. The method of claim 20,
The process of determining the validity of the payment information,
At least one of a transaction ID, an item price, and seller information in the transaction information of the seller-side client terminal device is the same as previously stored client information, and whether the payment information of the buyer-side client terminal device is identical to the previously stored client information. Judging process
Payment service method.
21. The method of claim 20,
The payment service method,
If the payment information is not received within the preset time or if the payment information is not valid, the payment of the arbitrary goods is canceled and a transaction cancellation result is notified to the buyer-side client terminal device and the seller-side client terminal device. Including more process
Payment service method.
A recording medium having recorded thereon a computer program for executing the payment service method according to any one of claims 15 to 22.

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