KR20120133046A - Payment method and system using mobile terminal - Google Patents

Abstract

PURPOSE: A payment method using a portable terminal and a system thereof are provided to remotely pay through a portable terminal so that user information is protected. CONSTITUTION: A portable terminal(100) produces a payment queue and sends the payment queue to other terminals. The portable terminal produces payment information by adding payment unit information to a payment request. The portable terminal sends the payment information to a system of a payment company, and requests for approval of payment through payment systems of intermediary companies(1041-104N). [Reference numerals] (100) Portable terminal; (102) Member store terminal; (104) First to N payment relay system; (106) First to M authentication system; (108) First to L card system; (110) First to O financial institution system; (112) First to P communication company billing system; (114) Payment service server; (AA) Network

Description

Payment method and system using mobile terminal {Payment method and system using mobile terminal}

The present invention relates to a payment technology using a mobile terminal, and more particularly, to a payment method and a system using the mobile terminal that enables remote payment without providing user information of the mobile terminal to a merchant.

The face-to-face payment method according to the prior art will be described. When the customer purchases credit from the designated merchant, the merchant's card reader accesses the card company's server through the VAN network and receives the card payment approval and completes the transaction. To do this, the customer has a card issued by the card company, and the affiliated store must have a normal credit card authorization inquiry machine that transmits payment information by accessing a specific VAN company. The credit card authorization inquiry machine and the VAN company's relay system are connected to a predetermined network, and the VAN company's relay system and the card company's transaction approval system are generally connected by a dedicated packet network.

In the non-face-to-face payment system, a payment gateway (PG) plays the role of the VAN company. The VAN plays a role of relaying to merchants and card companies, and the PG receives a consignment from a company that conducts commerce on the Internet, charges a payment settlement company such as a card company, a bank, and an electronic payment company, receives the money and reconsigns it. It pays for one company.

In the above face-to-face payment method, when a customer provides information such as card number, expiration date, and card issuer necessary for credit card payment approval to a credit card authorization inquiry machine installed at a merchant, the merchant may approve the transaction through the VAN company. Since payment is made based on the requested and approved result, financial information including customer's card information may be exposed to merchants, financial accidents using customer's card information, and risk of duplication of card information by third parties There is a high problem, and the same applies to the issue of the membership card.

In order to solve this problem, the credit card authorization checker, which is the subject of the card payment authorization request, does not present the financial information to the merchant, and the customer directly accesses the PG company through the user's mobile terminal to receive the card transaction. Techniques have been proposed to enable this.

However, the proposed technology cannot be applied to an actual card payment environment in which merchants perform card payment only through a contracted VAN system or a PG system after a contract with a specific VAN company or a specific PG company, and thus cannot be commercialized. .

In order to solve such a problem, the applicant of the present application has filed with the Republic of Korea Patent Office 10-2011-0040683 to name the payment method and system using a mobile terminal.

According to the present invention, when a mobile terminal is provided with payment request information including merchant information and payment amount, product information, and payment broker identification information registered by the merchant from the payment request terminal of the merchant, the payment medium selected by the user combines payment Disclosed is a payment method and payment system using a mobile terminal for generating a full text and providing the full text to a payment relay system to which the affiliate has subscribed.

In addition, the present invention is required to provide the user information of the mobile terminal to the merchant, it is difficult to maintain the security of the user information of the mobile terminal, the mobile terminal and the merchant terminal using the NFC communication method implemented the communication.

However, as the mobile terminal and the merchant terminal perform communication according to the NFC communication method as described above, the user of the mobile terminal has to move to the desk where the merchant terminal is located and wait until the payment is completed. .

In addition, in order to apply the above technology, merchants had to be equipped with NFC readers, which is a reason for acting as a cost burden for merchants.

According to the present invention, when the mobile terminal provides payment waiting information including user identification information, merchant identification information, and payment product identification information to a payment server, the payment server provides the payment standby information to the merchant terminal and the payment is received from the merchant terminal. To provide a payment method and a system therefor using a mobile terminal that receives payment request information corresponding to product identification information and provides the payment request information to the mobile terminal to perform payment according to the payment request information. do.

When the payment system consisting of a payment service server, a mobile terminal and an affiliated store terminal according to the present invention for achieving the above object, acquires the affiliated store identification information and the product or table identification information attached or written to the product or table of the merchant, Generate payment waiting information including user identification information, merchant identification information, and product or table identification information, and transmit it to the outside, and when payment request information is received from the outside, the payment information is added to the payment request information. A mobile terminal for generating payment and requesting payment approval by transmitting the payment information to a payment company system through a payment relay system corresponding to the payment relay identification information included in the payment request information; Upon receiving the payment waiting information, generating payment waiting notification information including product or table identification information included in the payment waiting information, and transmitting to the merchant terminal corresponding to the affiliated store identification information included in the payment waiting information, A payment service server for transmitting the payment request information to the mobile terminal which has transmitted the payment waiting information, when the affiliated store terminal provides the payment request information in response to the payment waiting notification information; And an affiliated store terminal configured to generate payment request information including payment amount information corresponding to a product or table identification information included in the payment standby notification information and identification information of a payment relay company subscribed to an affiliate, and transmit the generated payment request information to the payment service server. It is characterized by.

According to the present invention, when the mobile terminal provides payment waiting information including user identification information, merchant identification information, and payment product identification information to a payment server, the payment server provides the payment standby information to the merchant terminal from the merchant terminal. By receiving payment request information corresponding to the payment product identification information and providing the payment request information to the mobile terminal to perform payment according to the payment request information, the user of the mobile terminal moves to the desk where the merchant terminal is located. Since it is not necessary to wait until the payment is completed, the remote payment can be performed even when the payment is made through the mobile terminal, and the security of user information can be maintained.

In addition, the present invention does not require expensive equipment, such as NFC readers only attach NFC tags, this has the effect of minimizing the cost burden of merchants.

In addition, the present invention has the effect of enabling the authentication payment without the mobile card.

1 is a block diagram of a payment system according to a preferred embodiment of the present invention.
2 is a block diagram of the mobile terminal and the merchant terminal of FIG.
3 is a flowchart of a payment method according to a preferred embodiment of the present invention.

<Configuration of Payment System>

The configuration of a payment system according to a preferred embodiment of the present invention will be described with reference to FIG.

The payment system includes a mobile terminal 100, an affiliated store terminal 102, and a payment service server 114.

The affiliated store in which the payment system is established is assigned product or table identification information for identifying the product or table for each product or table, and the product or table is identified with the merchant identification information and the product or table assigned to the merchant. An NFC tag or barcode or QR code or RFID tag on which information is recorded is attached or written, and the NFC tag or barcode or QR code or RFID tag is read by the mobile terminal 100.

The mobile terminal 100 reads the merchant identification information and the product or table identification information through an NFC tag, a barcode, a QR code, or an RFID tag attached or written to a product or a table provided at the merchant, the product or table identification information. And generate payment standby information including the affiliated store identification information and the user identification information, and provide the payment service information to the payment service server 114. The user identification information may be user identification information registered in advance by a user or a phone number of the portable terminal 100.

In addition, when the payment service server 114 provides payment request information in response to the payment standby information, the portable terminal 100 adds payment medium information to the payment request information to complete a payment. Information is generated, and the payment professional information is provided through a plurality of payment broker systems 1081 to 108L, 1101 to 110O, and 1121 to a payment broker system corresponding to the payment broker identification information among the payment broker systems 1041 to 104N. 112P) to request payment authorization.

In addition, when the payment company system provides payment result information through the payment relay system, the portable terminal 100 displays and guides or stores the information.

In addition, the mobile terminal 100 recombines the merchant identification information, the payment amount, the payment broker identification information and the payment medium information affiliated with the merchant in accordance with the payment information format set to correspond to the payment broker system to the payment expert information Create In addition, the payment medium information is encrypted payment medium information selected by the user or returned from the authentication system selected by the user.

When the payment waiting information is received from the payment service server 114, the affiliated store terminal 102 generates payment request information corresponding to a product or table identification information included in the payment waiting information, and the payment request information is stored. It is provided to the payment service server 114.

The payment request information includes affiliated store identification information, payment amount and sale product identification information, sale date and time, and the affiliated payment broker identification information.

In addition, the affiliated store terminal 102 displays and guides and stores the payment result information when the payment relay system provides the payment result information as the payment according to the payment request information is completed.

The first to Nth payment relay systems 1041 to 104N connected to the mobile terminal 100 and the affiliated store terminal 102 through a network are payment relay systems operated by VAN or PG. 100) receives the payment information from the payment information provided by the payment system to the payment company system corresponding to the payment medium information included in the payment information, and the payment result information that is the approval result for the payment information from the system Received and transmitted to the mobile terminal 100 provided with the payment information.

In addition, the payment relay system provides the payment result information to the affiliated store terminal 102 stored corresponding to the affiliated store identification information included in the payment information.

The payment company systems connected to the first to Nth payment relay systems 1041 to 104N include first to Lth card company systems 1081 to 108L, first to Oth financial institution systems 1101 to 110O, and It consists of 1st P service carrier billing systems 1121-112P.

The first through L card company systems 1081 through 108L, the first through O financial institution systems 1101 through 110O, and the first through P carrier billing systems 1121 through 112P receive and receive payment professional information. The processing is executed, and the settlement result information which is the approval result is generated and returned to the first to Nth payment relay systems 1041 to 104N.

The first to Mth authentication systems 1061 to 106M connected to the portable terminal 100 through a network perform authentication based on the authentication information when authentication information is provided from the portable terminal 100. If the authentication is successful, the encrypted payment medium information is provided to the mobile terminal 100.

When the payment service information is received, the payment service server 114 generates payment waiting notification information including product or table identification information to the merchant terminal 102 corresponding to the affiliated store identification information included in the payment waiting information. send. When the affiliated store terminal 102 provides payment request information corresponding to the payment standby notification information, the payment request information is pushed to the user's portable terminal 100 according to the user identification information included in the payment standby information.

<Configuration of mobile terminal>

The configuration of a portable terminal according to a preferred embodiment of the present invention will be described in more detail with reference to FIG.

The mobile terminal 100 communicates with the control module 200, the memory unit 202, the display module 204, the user interface module 206, the NFC communication module 208, the wireless Internet communication module 210, and the mobile communication network. Module 212, image pickup device 214, and RFID tag reader 216.

The control module 200 not only controls the mobile terminal 100 as a whole, but also performs a processing process for payment according to the present invention.

The memory unit 202 stores various information including a control program of the control module 200.

The display module 204 outputs information according to the control of the control module 200.

The user interface module 206 receives various commands and information from a user and provides them to the control module 200.

The NFC communication module 208 performs communication with an NFC tag attached to a product or a table of an affiliated store through an NFC communication method, and reads the affiliated store identification information and the product or table identification information written on the NFC tag and controls the control module. To 200.

The imaging device 214 captures a one-dimensional or two-dimensional bar code written on a merchandise or a table of a merchant and provides the control information to the control module 200. In particular, the control module 200 provided with the sensing information restores the merchant identification information and the product or table identification information by decoding the one-dimensional or two-dimensional barcode.

The RFID tag reader 216 reads the merchant identification information and the product or table identification information recorded in the RFID tag attached to the product or the table of the merchant and provides the same to the control module 200.

The wireless internet communication module 210 is responsible for communication between the control module 200 and the network.

The mobile communication network communication module 212 is responsible for communication between the control module 200 and the mobile communication system.

<Configuration of Merchant Terminal>

The configuration of a portable terminal according to a preferred embodiment of the present invention will be described with reference to FIG.

The affiliated store terminal 102 includes a control module 300, a memory unit 302, a wired / wireless communication module 306, a user interface module 308, and a display module 310.

The control module 300 not only controls the merchant terminal 102 as a whole, but also performs a process for payment according to a preferred embodiment of the present invention.

The memory unit 302 stores various information including the processing program of the control module 300, and in particular, merchant identification information, payment broker identification information affiliated with the merchant according to a preferred embodiment of the present invention, payment result information , Billing information for each table or product is stored.

The wired / wireless communication module 306 is responsible for communication between the control module 300 and an external device or an external network.

The user interface module 308 receives various commands and information from a user and provides them to the control module 300.

The display module 310 displays information according to the control of the control module 300.

<Payment method>

Now, the configuration of the payment system configured as described above will be described in detail with reference to FIG.

The mobile terminal 100 checks whether the merchant identification information and the product or table identification information are acquired by reading an NFC tag or a barcode or a QR code or an RFID tag written or attached to a product or a table of the merchant (step 400). .

When the merchant identification information and the product or table identification information are acquired according to the reading of the NFC tag or the barcode or the QR code or the RFID tag, the payment application provided in the mobile terminal 100 is driven to generate the payment standby information. The payment standby information is transmitted to the predetermined payment service server 114 (step 404). Here, the payment waiting information includes user identification information preset in the corresponding mobile terminal and affiliated store identification information and product or table identification information acquired according to reading of an NFC tag or a barcode or a QR code or an RFID tag. In particular, the user identification information may be a phone number assigned to the portable terminal 100 or user identification information previously set and stored by the user.

When the payment service information is received, the payment service server 114 generates payment waiting notification information including product or table identification information to the merchant terminal 102 corresponding to the affiliated store identification information included in the payment waiting information. Transmit (step 406).

Upon receiving the payment waiting notification information, the affiliated store terminal 102 generates and transmits payment request information about the goods or the table identification information corresponding to the goods or the table identification information included in the payment waiting notification information (step 408). . Here, the affiliated store may register product information and amount information corresponding to the goods or the table identification information included in the payment waiting notification information in advance and load the payment request information in real time in response to the payment waiting notification information. In addition, the payment request information, in addition to the product information and the amount information, the merchant identification information previously stored in the merchant terminal 102, the payment relay identification information registered by the merchant, the current date and time information counted by the internal timer, and the like.

For example, a merchant owner or an employee of a merchant enters product information and price information about a meal ordered by a customer in correspondence with table identification information of a table where the customer sits, and then the customer sits at the table. When the payment service server 114 provides the payment waiting notification information according to the payment waiting information as the payment waiting information for the meal ordered through the mobile terminal 100 is transferred to the POS, The payment request information including the product information and the amount information input corresponding to the table may be generated and transmitted to the payment service server 114.

In addition, after the merchant owner or a member of the merchant registers the product information and the amount information corresponding to the identification information of the products for sale to the POS in advance, the customer who selects the desired product among the displayed products on the desired product on the spot. As the payment waiting information is transmitted to the payment service server 114 through the mobile terminal 100, when the payment service server 114 provides the payment waiting notification information according to the payment waiting information, the affiliated store interworking with the POS. The terminal may generate payment request information including product information and price information input corresponding to the product, and transmit the generated payment request information to the payment service server 114.

As described above, the present invention allows the customer to move to the place where the merchant terminal 102 is located to perform credit settlement or to solve the problem of waiting at the place vaguely while the credit settlement is made, and to protect his personal information intact. To be able.

When payment request information is received from the affiliated store terminal 102, the payment service server 114 transmits the payment request information to the mobile terminal corresponding to the payment request information (step 410). Here, the payment service server 114 stores the payment waiting information in a database, and when payment request information provided as a response to the payment waiting information is received, corresponding to the user identification information included in the payment waiting information. The payment request information is provided to the mobile terminal.

When the payment service server 114 provides the payment request information, the portable terminal 100 displays the payment request information and guides the user to select a payment medium (step 412).

When the user selects one payment medium according to the above guide (step 414), it is checked whether the payment medium is an encrypted payment medium (step 416).

If the payment medium is an encrypted payment medium, the portable terminal 100 transmits the encrypted payment medium information request information together with the authentication information input by the user to the authentication system for the corresponding payment medium (step 418).

The authentication system performs user authentication based on the authentication information, and if the authentication is successful, transmits encrypted payment medium information for the user to the mobile terminal 100 (step 420).

The portable terminal 100 generates payment special information using the encrypted payment medium information and the payment request information (step 422). In particular, the portable terminal 100 generates payment special information by reconfiguring the payment medium information and the payment request information according to a payment special information format set corresponding to the payment relay system included in the payment request information.

When the payment information is generated, the mobile terminal 100 transmits the payment information to the payment relay system included in the payment request information (step 424).

When the payment information is received, the payment relay system transmits the payment information to the payment company system corresponding to the payment medium information included in the payment information (step 426).

When the payment specialist information is received, the payment company system performs an approval process according to the payment specialist information, generates payment result information resulting from the approval process, and provides the payment specialist information to the payment relay system. In step 428, the payment relay system returns to the mobile terminal 100 providing the payment information (step 430).

The mobile terminal 100 receives and registers the payment result information and simultaneously displays and guides it (step 432).

In addition, the payment relay system transmits the payment result information to the affiliated store terminal 102 (step 430). In this case, the affiliated store terminal 102 displays and guides the registered payment result information (432). step).

In the above-described embodiment of the present invention, only the card company, the bank, the telecommunications company, the billing system, etc. are disclosed as the payment company system, but the payment for providing a credit settlement service through a pre-registered credit medium for the logged in user based on the user authentication information. It is also possible to employ a system employing a scheme, which is apparent by the present invention.

In addition, in the above-described embodiment of the present invention, in order to protect user information of the mobile terminal, the mobile terminal notifies the affiliated terminal of the payment standby state through the payment service server, and the affiliated terminal transmits the payment request information to the mobile terminal. Although only to provide an example, if the mobile terminal and the merchant terminal directly communicates with the payment waiting status may provide the payment request information, which is apparent by the present invention.

100: mobile terminal
102: merchant terminal
104: payment service server

Claims (13)

In the payment system consisting of a payment service server, a mobile terminal and a merchant terminal,
When acquiring merchant identification information and merchandise or table identification information attached or written to the merchandise or table of the merchant, generating payment waiting information including user identification information and merchant identification information and product or table identification information and transmitting them to the outside, When the payment request information is received from the outside, the payment request information is added to the payment medium information to generate payment information, and the payment professional information corresponding to the payment relay system identification information included in the payment broker information included in the payment request information; A mobile terminal for transmitting payment to the payment company system through the payment request system;
Upon receiving the payment waiting information, generating payment waiting notification information including product or table identification information included in the payment waiting information, and transmitting to the merchant terminal corresponding to the affiliated store identification information included in the payment waiting information, A payment service server for transmitting the payment request information to the mobile terminal which has transmitted the payment waiting information, when the affiliated store terminal provides the payment request information in response to the payment waiting notification information;
And an affiliated store terminal configured to generate payment request information including payment amount information corresponding to a product or table identification information included in the payment standby notification information and identification information of a payment relay company subscribed to an affiliate, and transmit the generated payment request information to the payment service server. Payment system characterized in that. The method of claim 1,
The mobile terminal,
Read NFC tags on merchant merchandise or tables,
Read RFID tags on merchant merchandise or tables,
Read bar codes on merchant merchandise or tables,
By reading the QR code attached to the merchant's product or table,
Payment system, characterized in that obtaining the merchant identification information and product or table identification information. The method of claim 1,
And the mobile terminal displays and guides or registers the payment result information when the payment company system provides the payment result information through the payment relay system. The method of claim 1,
The portable terminal generates the payment expert information by recombining the merchant identification information, the payment amount, and the payment relay agent identification information and the payment medium information to which the merchant subscribes according to the payment expert information format set to correspond to the payment relay system. Characterized by a payment system. The method of claim 1,
The payment medium information,
The payment system characterized in that the payment medium information according to the user's selection, or encrypted payment medium information returned from the authentication system selected by the user. The method of claim 1,
When the merchant terminal provides payment result information through the payment relay system,
Billing system, characterized in that to guide or store by displaying this. In the payment method performed by the mobile terminal,
When the merchant identification information and the product or table identification information attached or written on the product or the table of the merchant are acquired, the payment waiting information including the user identification information, the merchant identification information and the product or table identification information of the mobile terminal is generated and externally generated. Transmitting to;
When payment request information corresponding to the payment standby information is received from the outside, the payment request information is added to the payment medium information to generate payment information, and the payment relay information corresponding to the payment relay company identification information Requesting the payment approval by transmitting to the payment company system through the payment method performed by the mobile terminal. The method of claim 7, wherein
The affiliated store identification information and product or table identification information,
Read NFC tags on merchant merchandise or tables,
Read RFID tags on merchant merchandise or tables,
Read bar codes on merchant merchandise or tables,
The payment method performed by the mobile terminal, characterized in that obtained by reading the QR code attached to the merchandise or table of the merchant. The method of claim 7, wherein
And if the payment company system provides the payment result information through the payment relay system, displaying and guiding or storing the payment result information. The method of claim 7, wherein
The payment information,
The payment is performed by the mobile terminal, characterized in that the merchant identification information and the payment amount, and the payment broker identification information and payment medium information associated with the merchant is generated by recombining the payment professional information format set to correspond to the payment relay system; Way. The method of claim 7, wherein
Requesting payment medium information to an authentication system selected by a user;
Receiving encrypted payment medium information from the authentication system according to the request;
The mobile terminal is a payment method performed by the mobile terminal, characterized in that for generating the payment information using the payment medium information. In the payment method performed by the payment service server,
When payment waiting information including user identification information, merchant identification information, and product or table identification information is received from the outside, the payment waiting notification information including the product or table identification information included in the payment waiting information is generated and the payment is made. Transmitting to the affiliated store terminal corresponding to the affiliated store identification information included in the standby information;
And transmitting the payment request information to the outside when the affiliated store terminal provides the payment request information in response to the payment wait information. In the payment method performed by the merchant terminal,
Receiving payment standby notification information including product or table identification information from an external source;
Generating payment request information including payment amount information corresponding to a product or table identification information included in the payment standby notification information and payment relay identification information subscribed to an affiliate;
And transmitting the generated payment request information to the outside.

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