KR20120140179A - Method and apparatus for mobile payment service - Google Patents

Abstract

PURPOSE: A mobile payment service method and apparatus thereof are provided to enable a user to protect personal information without directly providing card information to a member store in a payment process. CONSTITUTION: An ID(identification) information management unit(110) transmits created ID information to a member store terminal. The ID information management unit registers purchase information, discount information, or additional selection information corresponding to the ID information. A transaction information management unit(120) receives the ID information from a portable terminal. The transaction information management unit creates transaction information corresponding to the ID information. [Reference numerals] (110) Identification information management unit; (120) Transaction information management unit; (130) Payment information management unit

Description

Mobile payment service method and device {METHOD AND APPARATUS FOR MOBILE PAYMENT SERVICE}

The present invention relates to a mobile payment service method and apparatus, and more particularly, to a mobile payment service method and apparatus that a customer can easily pay by reading the code or tag attached to the merchant to the mobile terminal.

Recently, various mobile communication terminals using a mobile communication network have been released. These mobile terminals can access the Internet through various wireless communication protocols such as WCDMA, WIBRO, and WIFI. In addition, mobile communication terminals are provided with a platform capable of running various application programs.

Mobile phones have a built-in platform that can run mobile application programs such as WIPI and BREW. Smartphones also have various application program driving platforms such as iOS, Windows Mobile, and Android.

On the other hand, payment methods vary depending on the type of payment, such as check cards, debit cards, cash cards, gift points cards, point cards. These means replace the payment by presenting the card instead of paying cash when the customer is issued by the card company to purchase goods or services at the card company's affiliate. The merchants of the card company bills the card company for the goods or services purchased by the customer, and the card company bills the merchant on behalf of the customer, and subsequently charges the card use amount to the customer. Therefore, customers can purchase a variety of goods and services at the card merchant without having to carry cash.

On the other hand, each merchant is using it for marketing by providing various discounts to customers through alliances with various companies that provide mileage and payment services.

Although the use of the card for payment is convenient, the above method stores the card information on the magnetic strip coated on the card. These cards may expose information such as card information (card number, expiration date, card company) while presenting the card to the merchant. The card information can be duplicated as long as the card information is needed. The duplicated cards can be used illegally, thus jeopardizing the basis of credit transactions.

Recently, card information is embedded in the IC chip so that duplication is impossible, and a card incorporating the IC chip has been used. However, since the card information can be copied through hacking, there is a possibility that the card can be used illegally.

In addition, security is superior to the existing magnetic stripe card, but there is a problem in that a number of card payment terminals provided in each affiliated store must be replaced in order to use it.

In addition, customers usually carry several payment cards and affiliate mileage cards instead of a single payment card. This is because the discount rate and reward accumulation rate are different for each card. Carrying so many cards is not only inconvenient for activity, but it is very dangerous because if you lose your wallet, you will likely lose several payment methods at once.

In addition, where visitors are crowded at the same time, such as a movie theater or amusement park, customers have to wait in line for a long time to buy tickets. Also, in this case, the customer asks the clerk for any discounted affiliate service, checks if the affiliate card is present, and pays for it, which requires more time for both the store staff and the customer. have.

In addition, if a customer selects a movie, such as a movie theater, and needs to talk to the counter staff about the number of people and their ages, it is more inconvenient for customers who are taking more time because they need to exchange more information between the counter staff and the client. Will be given.

Korean Patent Publication No. 10-2004-0066769, “Credit card mobile payment service providing system and method”

The present invention is to solve the above problems and to propose a method for promoting the activation of credit in the consumer market.

The present invention does not provide the card information directly to the merchant, so the payment process using the customer's mobile terminal can be processed without exposing the personal information such as card information, phone number, such as copying and fraudulent use of the card Provided are a mobile payment service method and apparatus which can be prevented.

In addition, the present invention can carry a plurality of cards to the customer's personal mobile terminal without having to carry a plurality of plastic cards, you can pay anytime and anywhere using the mobile terminal as long as you know the transaction number portability and Provides a mobile payment service method and device with excellent instantaneous.

In addition, the present invention can be used to know the password even if the mobile phone is lost, even if the mobile communication terminal is lost even when the customer reports the loss can be stopped for all cards stored in the lost mobile communication terminal It provides a highly secure mobile payment service method and device.

In addition, the present invention provides a mobile payment service method and apparatus that eliminates the inconvenience of having to wait for a long time since customers can easily pay for each mobile communication terminal in the case of a store in which many customers are gathered at once.

In addition, the present invention provides a mobile payment service method and apparatus that can reduce the cost and increase the customer satisfaction by minimizing the waiting time for customers because it does not need to increase the number of windows or employees for processing payments in stores in the merchant. .

The objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood from the following description.

In order to achieve the above object, according to an aspect of the present invention, there is provided a mobile payment service device.

Mobile payment service apparatus according to an embodiment of the present invention transmits the identification information generated by the merchant terminal, the identification information management unit for registering at least one of the purchase information, discount information and additional selection information corresponding to the identification information, Receives the identification information from the mobile communication terminal, the transaction information management unit for generating the transaction information corresponding to the identification information and at least one of the transaction information, the purchase information, the discount information and the additional selection information to the mobile communication terminal And a payment information manager configured to generate payment approval information corresponding to the payment information received from the mobile communication terminal.

According to an aspect of the present invention, a mobile communication terminal is provided.

The mobile communication terminal according to an embodiment of the present invention transmits an input unit for inputting identification information, the identification information to the electronic payment service device, and transaction information, purchase information, discount information, and additional selection information from the electronic payment service device. It may include a communication unit for receiving at least one of the payment information generating unit for generating payment information using at least one of the purchase information, discount information and additional selection information.

According to an aspect of the present invention, a mobile payment service method is provided.

In the mobile payment service method according to an embodiment of the present invention, transmitting the identification information generated by the merchant terminal, registering at least one of the purchase information, discount information and additional selection information corresponding to the identification information, the identification Receiving information from a mobile communication terminal, generating transaction information corresponding to the received identification information, at least one of the transaction information, the purchase information, the discount information, and the additional selection information to the mobile communication terminal; And transmitting payment information from the mobile communication terminal.

In the mobile payment service method according to another embodiment of the present invention, the step of inputting identification information, transmitting the identification information to the electronic payment service device, transaction information, purchase information, discount information and the like from the electronic payment service device; The method may include receiving at least one of additional selection information and generating payment information using at least one of the purchase information and the discount information.

BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, features and advantages of the present invention will be more apparent from the following detailed description taken in conjunction with the accompanying drawings, in which: FIG.

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 scope of the invention to those skilled in the art. It is provided to fully inform the owner of the scope of the invention.

The present invention does not provide the card information directly to the merchant, so the payment process using the customer's mobile terminal can be processed without exposing the personal information such as card information, phone number, such as copying and fraudulent use of the card You can prevent it.

In addition, the present invention can carry a plurality of cards to the customer's personal mobile terminal without having to carry a plurality of plastic cards, you can pay anytime and anywhere using the mobile terminal as long as you know the transaction number portability and Excellent instantaneous

In addition, the present invention can be used to know the password even if the mobile phone is lost, even if the mobile communication terminal is lost even when the customer reports the loss can be stopped for all cards stored in the lost mobile communication terminal There is excellent security.

In addition, the present invention can be easily paid for the customer using the respective mobile communication terminal in the case of a store in which a plurality of customers flock together, so there is no inconvenience to wait a long time.

In addition, the present invention can reduce the cost because the merchant does not need to increase the number of windows or staff for processing the payment in the store and can increase the customer satisfaction by minimizing the waiting time for the customer.

1 is a view for explaining a mobile payment service system using a mobile communication terminal according to an embodiment of the present invention.
2 is a block diagram illustrating a mobile payment service apparatus according to an embodiment of the present invention.
3 is a view for explaining a mobile payment service method using a mobile communication network in a mobile payment service apparatus according to an embodiment of the present invention.
4 is a block diagram illustrating a mobile communication terminal according to an embodiment of the present invention.
5 is a view for explaining a mobile payment service method using a mobile communication network in a mobile communication terminal according to an embodiment of the present invention.
6 and 7 are call processing diagrams for explaining a mobile payment service method using a mobile communication network according to an embodiment of the present invention.
8 to 11 are exemplary views showing a mobile payment service method using a mobile communication terminal according to an embodiment of the present invention.

The present invention may be variously modified and have various embodiments, and specific embodiments will be illustrated in the drawings and described in detail with reference to the accompanying drawings.

It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

In addition, when a part includes a certain component, this means that it may further include other components, without excluding other components, unless specifically stated otherwise.

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

1 is a view for explaining a mobile payment service system using a mobile communication terminal according to an embodiment of the present invention.

Referring to FIG. 1, a mobile payment service system may be executed including a mobile payment service device 100, a mobile communication terminal 200, an affiliated store terminal 300, a user authentication device 400, and a financial service device 500. have.

Here, at least two or more mobile payment service device 100, user authentication device 400, and financial service device 500 may be combined to provide a mobile payment service.

The mobile payment service device 100 generates at least one identification information associated with an affiliate store.

The mobile payment service device 100 registers purchase information, discount information, and additional selection information associated with the identification information.

Here, the purchase information may include at least one of name information, type information, quantity information, price information, and merchant information of the product or service.

The discount information is information related to a discount of a product or service, and may include, for example, information about at least one of discount event information, discount application card information, and discount application point information.

The additional selection information is information to be additionally selected from a product or a service. For example, the additional selection information may be at least one of type information and quantity information of the product or service.

The mobile payment service device 100 transmits identification information to the affiliated store terminal 300.

The identification information may be displayed in various ways by being attached to a predetermined position at the affiliated store. The identification information may include, for example, a key output method such as a symbol, a number, a character, a figure, a shape, a color, a hologram, an operation or a combination thereof, an audio output method, a video output method such as a barcode, a QR code, an image, or an NFC ( Near field communication), Wi-Fi Direct, Bluetooth, and ZigBee may be displayed in at least one of wireless communication methods.

The identification information is generated to identify a product or service, and may be, for example, a restaurant menu, an amusement park ticket, or a theater ticket.

The mobile communication terminal 200 inputs identification information to purchase a product or service.

When the mobile terminal 200 transmits the input identification information to the mobile payment service apparatus 100, the mobile communication terminal 200 receives at least one of transaction information, purchase information, discount information, and additional selection information associated with the mobile payment service apparatus 100. do.

After the user confirms the received additional selection information and there is information to be selected from the additional selection information, the mobile communication terminal 200 generates modified additional selection information in which the additional selection information is modified.

The mobile communication terminal 200 transmits the transaction information and the modified additional selection information to the mobile payment service apparatus 100.

The mobile payment service apparatus 100 may modify at least one of the purchase information and the discount information corresponding to the modified additional selection information, and transmit at least one of transaction information, the modified additional selection information, the modified purchase information, and the correction information. Resend to 200).

The mobile communication terminal 200 outputs at least one of transaction information, modified additional selection information, corrected purchase information, and corrected information, and selects at least one of corresponding payment means and additional payment means.

Here, the payment means may be at least one of credit card, check card, phone payment and bank transfer.

It is apparent to those skilled in the art that the additional payment means may be at least one of an affiliate card, an affiliate coupon, and an affiliate point, and may include all means that can be added to the payment means.

When at least one of the payment means and the additional payment means is selected, the mobile communication terminal 200 generates user authentication information for at least one of the selected payment means and the additional payment means.

The mobile communication terminal 200 transmits the generated user authentication information to the user authentication device 400, and receives user authentication result information accordingly.

The user authentication device 400 performs user authentication using the user authentication information received from the mobile communication terminal 200.

The user authentication device 400 may perform user authentication separately or integrally with the mobile payment service device 100 or the financial service device 300.

The user authentication device 400 transmits the user authentication result information to the mobile communication terminal 200 after performing user authentication.

The mobile communication terminal 200 generates payment information for at least one of the payment means and the additional payment means when the authentication result of the user authentication result, at least one of the payment means and the additional payment means is approved.

The mobile communication terminal 200 transmits payment information to the mobile payment service apparatus 100, receives corresponding payment approval result information, and outputs the same.

The mobile payment service device 100 generates payment approval information for a payment approval request to the financial service device 500 by using the received payment information.

The mobile payment service device 100 transmits the generated payment approval information to the financial service device 500.

The mobile payment service device 200 may be provided separately or integrated with the financial service device 500 to provide a mobile payment service.

The financial service apparatus 500 confirms the received payment approval information and performs payment approval.

The financial service device 500 transmits payment approval result information, which is a result of performing the payment approval, to the mobile payment service device 200.

The mobile payment service device 100 transmits payment approval result information received from the financial service device 500 to the mobile communication terminal 200 and the affiliated store terminal 300.

2 is a block diagram illustrating a mobile payment service apparatus according to an embodiment of the present invention.

Referring to FIG. 2, the mobile payment service apparatus 100 may include an identification information manager 110, a transaction information manager 120, and a payment information manager 130.

The identification information management unit 110 transmits an identification number generated by the affiliated store terminal 300 and registers at least one of purchase information, discount information, and additional selection information corresponding to the identification information. Here, at least one of the purchase information, the discount information, and the additional selection information corresponding to the identification information may be preset and registered, and may be received and registered in real time from the affiliated store terminal 300.

The transaction information manager 120 receives the identification information from the mobile communication terminal 200 and generates transaction information corresponding to the identification number.

The payment information management unit 130 transmits at least one of transaction information, purchase information, discount information, and additional selection information to the mobile communication terminal 200, and payment approval information corresponding to the payment information received from the mobile communication terminal 200. Create

Thereafter, the payment information management unit 130 receives at least one of the modified additional selection information and transaction information corresponding to the additional selection information transmitted from the mobile communication terminal 200, and the modified purchase information modified according to the modified additional selection information. At least one of the correction information and the transaction information may be retransmitted to the mobile communication terminal 200, the corresponding payment information may be received from the mobile communication terminal 200, and the payment approval information may be generated.

In addition, the payment information management unit 130 may transmit the generated payment approval information to the financial service device 500 and transmit the received payment approval result information to at least one of the mobile communication terminal 200 and the affiliated store terminal 300. have. Here, the payment information may include at least one of mobile communication terminal information, payment amount information, user authentication information, payment means information and sub-payment means information.

3 is a view for explaining a mobile payment service method using a mobile communication network in a mobile payment service apparatus according to an embodiment of the present invention.

Referring to FIG. 3, in operation S310, the mobile payment service apparatus 100 transmits an identification number generated to the affiliated store terminal.

In operation S315, the mobile payment service apparatus 100 receives at least one of purchase information, discount information, and additional selection information corresponding to the identification information from the affiliated store terminal 300. The mobile payment service device 100 may have at least one selected from purchase information, discount information, and additional selection information corresponding to the identification information.

In operation S320, the mobile payment service apparatus 100 registers at least one of purchase information, discount information, and additional selection information corresponding to the identification information.

In operation S330, the mobile payment service apparatus 100 receives identification information from the mobile communication terminal 200.

In operation S340, the mobile payment service device 100 generates transaction information corresponding to the received identification number.

In operation S350, the mobile payment service apparatus 100 transmits at least one of transaction information, purchase information, discount information, and additional selection information to the mobile communication terminal 200.

In operation S360, the mobile payment service apparatus 100 receives at least one of modified additional selection information and transaction information corresponding to the additional selection information transmitted from the mobile communication terminal 200.

In operation S370, the mobile payment service apparatus 100 may retransmit at least one of the modified purchase information, the modified person information, and the transaction information modified according to the modified additional selection information to the mobile communication terminal.

In operation S380, the mobile payment service device 100 receives payment information from the mobile communication terminal 200.

In operation S382, the mobile payment service apparatus 100 generates payment approval information corresponding to the received payment information.

In operation S384, the mobile payment service apparatus 100 transmits payment approval information to the financial service apparatus 500.

In operation S386, the mobile payment service apparatus 100 receives payment approval result information corresponding to payment approval information from the financial service apparatus 500.

In operation S388, the mobile payment service apparatus 100 transmits payment approval result information to at least one of the mobile communication terminal 200 and the affiliated store terminal 300.

4 is a block diagram illustrating a mobile communication terminal according to an embodiment of the present invention.

Referring to FIG. 4, the mobile communication terminal 200 includes an input unit 210, a communication unit 220, a payment information generation unit 230, a correction unit selection information generation unit 240, and an output unit 250.

The mobile communication terminal 200 is a terminal capable of performing call service, payment service and user authentication through a mobile communication network. The mobile communication terminal 100 is capable of performing call, payment and user authentication using a mobile communication network such as a mobile phone, a smart phone, a communication type navigation, a notebook, a netbook, a smart pad, a PDA It can be any terminal. Here, the mobile communication network is a communication network for communication between the mobile communication terminal 100 and an external device of the mobile communication terminal 100, for example, WCDMA, GSM, 4G as well as wireless LAN, WiBro, Wireless data networks, and the like.

The input unit 210 is inputted with identification information for the mobile communication terminal 200 to make a payment.

The input unit 210 may be input for user authentication, payment method selection, and sub payment means for the mobile communication terminal 200 to perform payment.

The input unit 210 receives an input for executing a payment application of the mobile communication terminal 200. Here, the payment application is an application that allows payment to be made by selecting at least one of a payment means and an auxiliary payment means and performing user authentication when performing payment using the mobile communication terminal 200.

 The input unit 210 includes a key input method using a keypad, a touch, a button, a voice input method through voice recognition, a barcode, a QR code, an image input method through image input, NFC (Near Field Communication), Wi-Fi Direct, Bluetooth, It will be apparent to those skilled in the art that it may be at least one of a wireless communication input method using short-range RF communication such as Zigbee, and may include any other interface device.

The communication unit 220 transmits the identification information to the mobile payment service device 100 and receives at least one of transaction information, purchase information, discount information, and additional selection information from the mobile payment service device 100.

The communication unit 220 may transmit the modified additional selection information to the mobile payment service apparatus 100 and receive at least one of the modified purchase information, the modified person information, and the transaction information modified according to the modified additional selection information.

The payment information generation unit 230 generates payment information using at least one of purchase information, discount information, and additional selection information.

The payment information generation unit 230 selects at least one of a payment means and an auxiliary payment means corresponding to at least one of purchase information and discount information, and performs user authentication corresponding to at least one of the payment means and the auxiliary payment means. Billing information can be generated.

Here, the payment means information may include at least one of account information, credit card information, gift certificate information, and mobile communication charge information to which payment is applied.

The auxiliary payment means information may include at least one of coupon information and point information. The secondary payment means is a means by which at least one of discounting and accumulation is applied during settlement. The secondary payment means may be mobile carrier member ship, merchant member ship, OK cashbag point, coupon service, and the like.

The user authentication information may include, for example, public authentication information such as universal user certificate, personal user certificate, secure click, secure payment, etc., for example, integrated circuit (IC) information such as SIM information, USIM information, and international mobile subscriber (IMSI). Among identification information corresponding to the mobile communication terminal 100, identification number information, ID information, and password information received from the user authentication device 500, such as Identify (MIN), Mobile Identify Number (MIN), and Mobile Directory Number (MDN) information, etc. It will be apparent to those skilled in the art that there may be at least one, and any other authentication information may be included.

The modified additional selection information generation unit 240 checks the received additional selection information and generates the modified additional selection information.

The output unit 250 outputs the payment process or the result of the mobile communication terminal 200 to the user so as to recognize the at least one of visual, auditory and tactile.

5 is a view for explaining a mobile payment service method using a mobile communication network in a mobile communication terminal according to an embodiment of the present invention.

Referring to FIG. 5, in step S510, identification information is input to the mobile communication terminal 200. As described above, the input of identification information includes a key input method using a keypad, a touch, a button, a voice input method through voice recognition, a video input method through barcode, QR code, image recognition, and NFC (Near Field). At least one of a wireless communication input method using short-range RF communication such as Communication, Wi-Fi Direct, Bluetooth, and Zigbee may be used, and any other interface device may be used.

In step S520, the mobile communication terminal 200 transmits the identification information to the mobile payment service device 100.

In operation S530, the mobile communication terminal 200 receives at least one of transaction information, purchase information, discount information, and additional selection information from the mobile payment service device 100.

In operation S540, the mobile communication terminal 200 generates modified additional selection information corresponding to the received additional selection information.

In step S550, the mobile communication terminal 200 transmits the modified additional selection information to the mobile payment service device.

In operation S560, the mobile communication terminal 200 re-receives at least one of the modified purchase information and the modified person information modified according to the modified additional selection information from the mobile payment service device.

In step S570, the mobile communication terminal 200 selects at least one of the payment means and the sub-payment means corresponding to at least one of the received re-purchase correction information and the correction information.

In operation S572, the mobile communication terminal 200 generates user authentication information corresponding to at least one of the payment means and the sub payment means. The user authentication information, as described above, the authentication information, IC (Integrated Circuit) information, identification information corresponding to the mobile communication terminal 100, authentication number information received from the user authentication device 500, ID information and password information It will be apparent to those skilled in the art that it may be at least one of, and may include all other authentication means information.

If a plurality of user authentication means is stored in the mobile communication terminal 100, the user may select a desired user authentication means to perform user authentication.

In addition, the mobile communication terminal 200 may perform user authentication by a user authentication means preset according to a payment method selected for payment.

In step S574, the mobile communication terminal 200 transmits the user authentication information to the user authentication device 500.

In step S576, the mobile communication terminal 200 receives user authentication result information corresponding to the user authentication information from the user authentication device 400, and generates payment information.

In operation S580, the mobile communication terminal 200 transmits the generated payment information to the mobile payment service apparatus 100.

In operation S582, the mobile communication terminal 200 receives payment approval result information corresponding to payment information from the mobile payment service device.

In step S584, the mobile communication terminal 200 outputs payment approval result information.

6 and 7 are call processing diagrams for explaining a mobile payment service method using a mobile communication network according to an embodiment of the present invention.

Referring to FIG. 6, in operation S605, the mobile payment service device 100 generates at least one identification information associated with an affiliate store.

In operation S610, the mobile payment service apparatus 100 transmits identification information to the affiliated store terminal 300.

The identification information may be generated in association with the product or service, and may be generated to identify the product or service, and may be, for example, a restaurant menu, an amusement park admission ticket, or a theater admission ticket.

The affiliated store terminal 300 receives at least one of purchase information, discount information, and additional selection information corresponding to specific identification information from the distributed identification information, and transmits the same to the mobile payment service device 100.

In operation S620, the mobile payment service apparatus 100 registers at least one of purchase information, discount information, and additional selection information associated with the specific identification information.

The mobile payment service apparatus 100 may be preset without at least one of purchase information, discount information, and additional selection information associated with specific identification information, determined by an input of the affiliated store terminal 300.

Here, the purchase information may include at least one of name information, type information, quantity information, price information, and merchant information of the product or service.

The discount information is information related to a discount of a product or service, and may include, for example, information about at least one of discount event information, discount application card information, and discount application point information.

The additional selection information is information to be additionally selected from a product or a service, and may be, for example, at least one of type information and quantity information of the product or service.

In step S625, the mobile communication terminal 200 executes a payment application for payment of goods or services.

In operation S630, the mobile communication terminal 200 receives specific identification information exposed to a specific place in the affiliate store.

In operation S635, the mobile communication terminal 200 transmits specific identification information to the mobile payment service device 100.

In operation S640, the mobile payment service apparatus 100 reads purchase information, discount information, and additional selection information matched with the specific identification information.

In operation S645, the mobile payment service apparatus 100 generates transaction information corresponding to at least one of specific identification information, purchase information, discount information, and additional selection information.

In operation S650, the mobile payment service apparatus 100 transmits at least one of transaction information, purchase information, discount information, and additional selection information to the mobile communication terminal 200.

In step S655, the mobile communication terminal 200 checks the received additional selection information, and if there is information to be selected from the additional selection information, the mobile communication terminal 200 generates modified additional selection information by modifying the additional selection information.

In step S660, the mobile communication terminal 200 transmits the transaction information and the modified additional selection information to the mobile payment service device 100.

Referring to FIG. 7, in operation S705, the mobile payment service apparatus 100 modifies at least one of purchase information and discount information according to the modified additional selection information.

In operation S710, the mobile payment service apparatus 100 retransmits at least one of transaction information, additional correction selection information, correction purchase information, and correction information to the mobile communication terminal 200.

In step S715 and step S720, the mobile communication terminal 200 confirms at least one of the modified additional selection information, the modified purchase information and the correction information, and selects at least one of the corresponding payment means and the additional payment means.

Herein, the payment means may be at least one of a credit card, a check card, a phone payment and an account transfer, and the additional payment means may be at least one of an affiliate card and an affiliate point.

In operation S725, when at least one of the payment means and the additional payment means is selected, the mobile communication terminal 200 generates user authentication information for at least one of the selected payment means and the additional payment means.

In operation S730, the mobile communication terminal 200 transmits the generated user authentication information to the user authentication device 400.

In operation S735, the user authentication apparatus 400 performs user authentication using the user authentication information received from the mobile communication terminal 200.

The user authentication device 400 may perform user authentication separately or integrally with the mobile payment service device 100 or the financial service device 300.

In operation S740, the user authentication apparatus 400 transmits the user authentication result information to the mobile communication terminal 200 after performing user authentication.

In step S745 and step S750, the mobile communication terminal 200 generates payment information for at least one of the payment means and the additional payment means when the authentication result of the user authentication result, at least one of the payment means and the additional payment means is approved. .

In operation S755, the mobile communication terminal 200 transmits payment information to the mobile payment service apparatus 100.

In operation S760, the mobile payment service device 100 generates payment approval information for a payment approval request to the financial service device 500 using the received payment information.

In operation S765, the mobile payment service device 200 transmits the generated payment approval information to the financial service device 500.

The mobile payment service device 200 may be provided separately or integrated with the financial service device 500 to provide a mobile payment service.

In operation S770, the financial service apparatus 500 confirms the received payment approval information and performs payment approval.

In operation S775, the financial service device 500 transmits payment approval result information, which is a result of performing the payment approval, to the mobile payment service device 200.

The mobile payment service device 100 transmits payment approval result information received from the financial service device 500 to the mobile communication terminal 200 and the affiliated store terminal 300.

In operation S780, the mobile communication terminal 200 or the affiliated store terminal 300 may receive and output payment approval result information.

According to the embodiment of the present invention described above, at least two of the mobile communication terminal 200, the mobile payment service device 100, and the financial service device 500 may exchange all data through asymmetric key encryption. That is, at least two of the mobile communication terminal 200, the mobile payment service device 100, and the financial service device 500 may realize END to END security through asymmetric key encryption. Therefore, the credit information of the user of the mobile communication terminal 100 is not exposed to a device other than at least two of the mobile communication terminal 200, the mobile payment service device 100, and the financial service device 500.

8 to 11 are exemplary views showing a mobile payment service method using a mobile communication terminal according to an embodiment of the present invention.

Referring to FIG. 8, in step S810 and step S820, the mobile communication terminal 200 executes a payment application and inputs a QR code, an NFC tag, or a numeric string.

In step S830, the mobile communication terminal 200 confirms the purchase information, receives and outputs the modified purchase information corresponding to the modified additional selection information generated by modifying the person information to two adults in the additional selection information.

In step S840 to step S860, the mobile communication terminal 200 confirms the outputted purchase information, selects a credit card as a payment method and an affiliate card as an additional payment means, and outputs payment approval result information.

Referring to FIG. 9, in step S910, the mobile communication terminal 200 may output and guide an additional payment means.

In operation S920, the mobile communication terminal 200 may output and use the received payment approval result information as an admission ticket.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention.

Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments.

The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

100: mobile payment service device
200: mobile communication terminal
300: merchant terminal
400: user authentication device
500: financial services device

Claims (21)

In the mobile payment service device for making a payment using a mobile communication network,
An identification information management unit for transmitting the identification information generated to the affiliated store terminal and registering at least one of purchase information, discount information, and additional selection information corresponding to the identification information;
A transaction information management unit which receives the identification information from the mobile communication terminal and generates transaction information corresponding to the identification information; And
A payment information manager configured to transmit at least one of the transaction information, the purchase information, the discount information, and the additional selection information to the mobile communication terminal, and generate payment approval information corresponding to the payment information received from the mobile communication terminal. Mobile payment service device comprising.
The method of claim 1,
The identification information management unit
And at least one of purchase information, discount information, and additional selection information corresponding to the identification information is received from the affiliated store terminal and registered.
The method of claim 1,
The payment information management unit
Receiving at least one of the modified additional selection information and the transaction information corresponding to the additional selection information transmitted from the mobile communication terminal, the modified purchase information, correction information and the modified transaction information modified in accordance with the modified additional selection information Retransmitting at least one of the at least one of the mobile communication terminal, receiving the corresponding payment information from the mobile communication terminal, and generates the corresponding payment approval information.
The method of claim 1,
The payment information management unit
And transmitting the generated payment approval information to a financial service device, and transmitting the received payment approval result information to at least one of the mobile communication terminal and the affiliated store terminal.
The method of claim 1,
And the payment information comprises at least one of information of the mobile communication terminal, payment amount information, user authentication information, payment means information and auxiliary payment means information.
In the mobile payment service method for performing a payment using a mobile communication network in a mobile payment service device,
Transmitting the identification information generated to the affiliated store terminal;
Registering at least one of purchase information, discount information, and additional selection information corresponding to the identification information;
Receiving the identification information from a mobile communication terminal;
Generating transaction information corresponding to the received identification information;
Transmitting at least one of the transaction information, the purchase information, the discount information, and the additional selection information to the mobile communication terminal; And
Mobile payment service method comprising the step of receiving payment information from the mobile communication terminal.
The method according to claim 6,
And receiving at least one of purchase information, discount information, and additional selection information corresponding to the identification information from the affiliated store terminal. The method according to claim 6,
Receiving at least one of modified additional selection information and the transaction information corresponding to the transmitted additional selection information from the mobile communication terminal; And
And retransmitting at least one of the modified purchase information, the modified person information, and the transaction information corresponding to the modified additional selection information to the mobile communication terminal.
The method according to claim 6,
Generating payment approval information corresponding to the received payment information;
Transmitting the payment approval information to a financial service device;
Receiving payment approval result information corresponding to the payment approval information from the financial service device; And
And transmitting the payment approval result information to at least one of the mobile communication terminal and the affiliated store terminal.
A mobile communication terminal executing a mobile payment service device and an electronic payment service method,
An input unit to which identification information is input;
A communication unit which transmits the identification information to the mobile payment service device and receives at least one of transaction information, purchase information, discount information, and additional selection information from the mobile payment service device; And
And a payment information generation unit generating payment information using at least one of the purchase information, discount information, and additional selection information.
The method of claim 10,
The input unit includes at least one of a key input method, a voice input method, a video input method, a wireless communication input method.
The method of claim 11,
The video input method is a mobile communication terminal which is an input of at least one of a barcode, a QR code, and an image.
The method of claim 11,
The wireless communication input method is a mobile communication terminal which inputs using at least one wireless communication method of NFC (Near Field Communication), Wi-Fi Direct, Bluetooth, and Zigbee.
The method of claim 10,
Confirming the received additional selection information, and further includes a correction unit selection information generation unit for generating a correction unit selection information,
The communication unit
And transmitting the modified additional selection information to the mobile payment service device, and receiving at least one of the modified purchase information, the modified invoice information, and the transaction information corresponding to the modified additional selection information.
The method of claim 10,
The payment information generation unit
Select at least one of a payment means and an auxiliary payment means corresponding to at least one of the purchase information and the discount information, perform a user authentication corresponding to at least one of the payment means and the auxiliary payment means, and then Mobile communication terminal, characterized in that for generating.
A mobile payment service method executed with a mobile payment service device in a mobile communication terminal,
Inputting identification information;
Transmitting the identification information to the mobile payment service device;
Receiving at least one of transaction information, purchase information, discount information, and additional selection information from the mobile payment service device; And
Generating payment information using at least one of the purchase information and the discount information.
17. The method of claim 16,
Generating payment information using at least one of the purchase information and discount information
Generating modified additional selection information corresponding to the received additional selection information;
Transmitting the modified additional selection information to the mobile payment service apparatus;
Re-receiving, from the mobile payment service device, at least one of the modified purchase information and the modified person information corresponding to the modified additional selection information;
And generating payment information using at least one of the re-received corrected purchase information and the corrected in-person information.
17. The method of claim 16,
Generating payment information using at least one of the purchase information and discount information
Selecting at least one of a payment means and an auxiliary payment means corresponding to at least one of the purchase information and the discount information;
Generating user authentication information corresponding to at least one of a payment means and an auxiliary payment means;
Transmitting the user authentication information to a user authentication device; And
Receiving user authentication result information corresponding to the user authentication information from the user authentication device, and generating the payment information;
17. The method of claim 16,
Transmitting the generated payment information to the mobile payment service device;
Receiving payment approval result information corresponding to the payment information from the mobile payment service device; And
Mobile payment service method further comprising the step of outputting the payment approval result information.
17. The method of claim 16,
The purchase information is
A mobile payment service method comprising at least one of name information, type information, quantity information, price information, and merchant information of a product or service to be paid through the mobile communication terminal.
17. The method of claim 16,
The payment information
A mobile payment service method comprising at least one of mobile terminal information, payment amount information, user authentication information, payment means information, and sub-payment means information.

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