KR20130029197A - Method for registering member for electronic payment, system and terminal therefor - Google Patents

Abstract

PURPOSE: A member registration method for electronic payment, a system thereof, a device thereof, and a terminal thereof are provided to process member registration based on authentication of information inputted by a user through the terminal, thereby performing safe electronic payment. CONSTITUTION: A member registration device(130) requests the sending of a first authentication message to a communication service providing device(140) related to a terminal(110) by receiving a first authentication request signal for driving approval of an electronic payment application from the terminal. After the member registration device transmits identification information corresponding to the first authentication message to the terminal, the member registration device receives a first authentication process completion signal from the terminal. [Reference numerals] (110) Terminal; (140) Communication service providing device; (210) First authentication processing unit; (220) Member subscription confirming unit; (222) Third authentication processing unit; (230) Application ID allocating unit; (240) Payment means storing unit; (250) Member registration processing unit

Description

Method for Registering Member for Electronic Payment, System And Terminal Therefor}

The present embodiment relates to a member registration method for electronic payment and a system, an apparatus, and a terminal therefor. More specifically, the member registration method for the electronic payment and the system therefor for safer electronic payment by processing the member registration based on whether or not to authenticate the information entered by the user through the terminal to perform the electronic payment , Apparatus and terminal.

The contents described in this section merely provide background information on the present embodiment and do not constitute the prior art.

As a payment method for general commerce or electronic commerce, a credit card, a debit card, or a deposit method through a bank account is commonly used. However, the conventional payment method has a problem such as inconvenience to carry cash when using cash, the risk of losing cash, the hassle of returning the balance. On the other hand, the use of credit cards as a way to increase the transparency of the taxation of commerce is recommended and many other payment methods are being developed. In particular, as the e-commerce using the Internet has been steadily growing, the payment settlement market is rapidly expanding. Until now, most of the payment methods on the Internet have been credit cards and unpaid online payments. New payment method of payment using the service has been emerging and the frequency of use is increasing rapidly.

However, in the case of such a payment method, there is an inconvenience that must be issued a separate module or card, there is a problem that can cause damage due to the leakage of personal information.

In order to solve the above-described problem, the present embodiment is a method for electronic payment that allows secure electronic payment to be performed by processing member registration based on whether or not authentication of information input by a user through a terminal to perform electronic payment. The main purpose is to provide a member registration method and system, apparatus and terminal therefor.

According to an aspect of the present embodiment to achieve the above object, if at least one or more of the first authentication information, the second authentication information and the fourth authentication information input by the user for membership registration is authenticated, electronic payment A terminal for receiving an application ID for performing the operation, registering payment means information, and processing member registration completion; And upon receiving at least one signal from among the first authentication procedure completion signal, the second authentication procedure completion signal, and the fourth authentication procedure completion signal from the terminal, confirm whether the user has registered as a member for the user information of the terminal, And a member registration device which allocates the application ID for execution and registers the payment means information and processes member registration completion for the user information of the terminal.

In addition, according to another aspect of the present invention, when receiving a second authentication procedure completion signal from the terminal, a membership registration confirmation unit for confirming whether or not the membership of the user information of the terminal; A third authentication processor configured to perform a third authentication process by using the telecommunication company member information included in the user information of the terminal when the result of the confirmation of membership registration is a non-subscribed member; An application ID allocator configured to allocate an application ID to an electronic payment application mounted in the terminal when the third authentication process is completed; A payment means storage unit for storing payment means information received from the terminal when a fourth authentication procedure completion signal is received from the terminal; And a member registration processing unit for processing completion of member registration for user information of the terminal.

Further, according to another aspect of the present embodiment, the second authentication procedure performing unit for confirming whether or not the second authentication information input by the user is authenticated; An application ID manager for transmitting a second authentication procedure completion signal to a member registration device and receiving an application ID from the member registration device when the second authentication information is authenticated; A fourth authentication procedure execution unit for transmitting a fourth authentication procedure completion signal to the member registration device when the fourth authentication information input by the user is authenticated; A payment means registration unit that registers payment means information input by the user; And a registration processing unit which processes a member registration completion after receiving a registration completion signal from the member registration device.

According to another aspect of the present embodiment, in the method of performing member registration in the member registration device, when receiving a second authentication procedure completion signal from the terminal, confirming whether the member is registered with respect to the user information of the terminal. Membership confirmation process; A third authentication process of performing a third authentication process by using a telecommunication company member information included in the user information of the terminal when a result of confirming whether a member is registered; An application ID allocation process of allocating an application ID to the electronic payment application when the third authentication process is completed; A payment means storing step of storing payment means information received from the terminal when the fourth authentication procedure completion signal is received from the terminal; And a member registration process of processing member registration completion for the user information of the terminal.

According to another aspect of the present embodiment, there is provided a method of performing member registration in a terminal, comprising: performing a second authentication procedure for checking whether second authentication information input by a user is authenticated; An application ID management process of transmitting a second authentication procedure completion signal to a member registration device and receiving an application ID from the member registration device when the second authentication information is authenticated; Performing a fourth authentication procedure for transmitting a fourth authentication procedure completion signal to the member registration device when the fourth authentication information input by the user is authenticated; A payment means registration process of registering payment means information input by the user; And a registration processing step of processing a member registration completion after receiving a registration completion signal from the member registration device.

As described above, according to the present embodiment, there is an effect that a more secure electronic payment is performed by processing member registration based on whether the information input by the user through the terminal is authenticated to perform the electronic payment. In addition, according to the present embodiment, there is no need to issue a separate module or card to perform an electronic payment, and there is an effect of minimizing damage due to leakage of personal information.

In addition, according to the present embodiment, since a plurality of authentication procedures are performed in the process of registering a member for performing electronic payment, not only the security of user information is increased, but also the application ID and authentication required for payment. By encrypting and storing the key, it is possible to guarantee stability in electronic payment.

1 is a block diagram schematically showing a member registration system for electronic payment according to the present embodiment;
2 is a block diagram schematically showing a member registration device according to the present embodiment;
3 is a block diagram schematically illustrating a terminal according to the present embodiment;
4 is a flowchart illustrating a member registration method for electronic payment according to the present embodiment.

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

1 is a block diagram schematically showing a member registration system for electronic payment according to the present embodiment.

The member registration system for electronic payment according to the present embodiment includes a terminal 110, an electronic payment application 112, a communication network 120, a member registration device 130, and a communication service providing device 140. In the present exemplary embodiment, the member registration system for electronic payment includes only the terminal 110, the electronic payment application 112, the communication network 120, the member registration device 130, and the communication service providing device 140. This is merely illustrative of the technical idea of the present embodiment, and those of ordinary skill in the art to which the present embodiment belongs are included in the member registration system for electronic payment without departing from the essential characteristics of the present embodiment. Various modifications and variations to the components will be applicable.

The terminal 110 is a terminal capable of transmitting and receiving various data via the communication network 120 according to a key operation of a user. The terminal 110 may be a tablet PC, a laptop, a personal computer (PC) A smart phone, a personal digital assistant (PDA), a mobile communication terminal, and the like. In addition, the terminal 110 may be a cloud computing terminal that supports cloud computing (Cloud Computing) that can use services such as data reading and writing and storing, network, and content use through the communication network 120.

That is, the terminal 110 is a terminal for performing voice or data communication using the communication network 120, and stores a browser, a program, and a protocol for communicating with the member registration device 130 via the communication network 120. It refers to a terminal having a microprocessor for operating and controlling various programs. That is, the terminal 110 may be any terminal as long as the member registration device 130 and the server-client communication are possible, and a broad concept includes all communication computing devices such as a notebook computer, a mobile communication terminal, and a PDA. Meanwhile, the terminal 110 is preferably manufactured in a form having a touch screen, but is not necessarily limited thereto. In the present embodiment, the terminal 110 is described as being implemented as a separate device from the member registration device 130, in the actual implementation of the invention, the terminal 110 includes all of the member registration device 130 It could be implemented as a Stand Alone device.

The terminal 110 may drive the electronic payment application by a user's operation or command, and perform member registration through the electronic payment application. In more detail, the electronic payment application refers to an application installed after being downloaded through an application store when the terminal 110 is a smart phone, and when the terminal 110 is a feature phone. Refers to an application running on a virtual machine (VM) downloaded through the communication service providing apparatus 140.

The terminal 110 according to the present embodiment performs member registration by mounting the electronic payment application 112 and at least one of first authentication information, second authentication information, and fourth authentication information input by a user for member registration. When one or more pieces of information are authenticated, an application ID for performing electronic payment is received, payment means information is registered, and a member registration completion is processed. Meanwhile, the terminal 110 should download the electronic payment application 112. To describe the process, the terminal 110 uses the user's selection information through the application providing device or the mobile payment through the payment gateway (PG). When the selection information is input, the electronic payment application 112 is downloaded from the application providing device and the downloaded electronic payment application is installed.

To describe in more detail the operation of the terminal 110 for the member registration process, the terminal 110 checks whether the second authentication information input by the user is authenticated, and if the second authentication information is authenticated After the second authentication procedure completion signal is transmitted to the member registration device 130, the application ID is received from the member registration device 130, and when the fourth authentication information input by the user is authenticated, the member registration device 130 is received. The fourth authentication procedure completion signal is transmitted, the payment means information input by the user is registered, and after receiving the registration completion signal from the member registration device 130, the member registration completion process is processed.

Hereinafter, the process of the terminal 110 performing the first authentication procedure will be described. The terminal 110 transmits a first authentication request signal for approval of driving the electronic payment application 112 to the member registration device 130. When the first authentication information corresponding to the first authentication request signal is input, it is checked whether the first authentication information is authenticated. If the first authentication information is authenticated, the first registration information is authenticated to the member registration device 130. Sends the authentication process completion signal. Here, the first authentication information and identification information is preferably an authentication number consisting of a combination of at least one or more information among preset numbers, letters, and symbols, but is not necessarily limited thereto. In addition, the terminal 110 receives the identification information corresponding to the first authentication request signal from the member registration device 130 to perform the first authentication procedure, and when the first authentication information and the identification information match, the first Confirm that the authentication information is authenticated. Here, the process of performing the first authentication procedure may be omitted according to an operating system (OS) installed in the terminal 110. That is, the member registration device 130 may identify the terminal 110 according to the type of OS installed in the terminal 110. Accordingly, the first authentication procedure may be performed or omitted. For example, when the OS installed in the terminal 110 is Android, the member registration device 130 may identify the terminal 110, and thus the process of performing the first authentication procedure may be omitted, but the terminal ( If the OS installed in the 110 is an iOS (iPhone OS), the member registration device 130 cannot identify the terminal 110, and thus, a process of performing a first authentication procedure should be performed.

Hereinafter, the process of the terminal 110 performing the second authentication procedure, the terminal 110 is a second authentication including at least one or more of the phone number information and the social security number for the user of the terminal 110 If the information matches the user information of the terminal 110, it is confirmed that the second authentication information is authenticated. In this case, the terminal 110 may check the authentication of the second authentication information by using the internal memory or the member registration device 130 that stores the user information of the terminal 110.

Hereinafter, a description will be given of a process in which the terminal 110 performs a fourth authentication procedure. When the fourth authentication information including a PIN (Personal Identification Number) input by a user is authenticated, the terminal 110 authenticates an application ID and authentication. After encrypting and storing the key, the fourth registration process completion signal is transmitted to the member registration device 130. Such a PIN is a kind of personal identification number and is generally set to four digits, and eight digits of a personal unblocking key (PUK) are assigned. On the other hand, the PIN can be changed according to the user's needs, and if the user incorrectly inputs the PIN more than a predetermined number consecutively, since the corresponding subscriber identification module is locked, the PIN can be reset by inputting the PUK. However, if the PUK is also input more than a predetermined number of times, the PUK must be discarded and re-granted.

On the other hand, to describe the process of the terminal 110 manages the application ID, the terminal 110 when the authentication of the second authentication information is confirmed, and after transmitting the completion signal of the second authentication procedure to the member registration device 130 The application ID is received from the member registration device 130. In addition, the terminal 110 will be described in the process of registering the payment means, the terminal 110 pays at least one or more information of the credit card information, check card information, phone bill information and financial account information input by the user Register as means information. In addition, the terminal 110 outputs a registration completion screen page when a registration completion signal is received from the member registration device 130 for member registration processing.

The electronic payment application 112 performs electronic payment from the member registration device 130 when at least one of the first authentication information, the second authentication information, and the fourth authentication information input by the user for membership registration is authenticated. It refers to software that receives an application ID to perform, registers payment method information, and processes member registration completion. The electronic payment application 112 may be implemented or manufactured to suit various OS (Operating System) environments such as iOS, Android, and Windows Phone 7.

Meanwhile, in the present embodiment, the terminal 110 mounts the electronic payment application 112 and performs member registration. However, such an operation process may be performed only by the electronic payment application 112. That is, the electronic payment application 112 is mounted on the terminal 110 to confirm whether the second authentication information input by the user is authenticated, and if the second authentication information is authenticated, the member registration device 130 is sent to the member registration device 130. When the second authentication procedure completion signal is transmitted, the application ID is received from the member registration device 130, and the fourth authentication information input by the user is authenticated, the fourth authentication procedure completion signal is transmitted to the member registration device 130. And register the payment means information input by the user, receive a registration completion signal from the member registration device 130, and implement a function of processing member registration completion.

The communication network 120 refers to a network capable of transmitting and receiving data through an internet protocol using various wired and wireless communication technologies such as an internet network, an intranet network, a mobile communication network, and a satellite communication network. In addition, the communication network 120 includes a cloud computing network coupled with the member registration device 130 to store computing resources such as hardware and software, and provide computing resources required by the client to the terminal 110. can do. Here, cloud computing refers to a computer environment in which information is permanently stored on a server on the Internet and temporarily stored in client terminals such as desktops, tablet computers, laptops, netbooks, and smartphones. It refers to a computer environment access network that stores a server on the Internet and makes this information available anytime, anywhere through various IT devices.

To further explain the concept of the communication network 120, the communication network 120 is not only an open network such as a local area network (LAN), a closed network such as a wide area network (WAN), the Internet (Internet), Networks such as Code Division Multiple Access (CDMA), Wideband Code Division Multiple Access (WCDMA), Global System for Mobile Communications (GSM), Long Term Evolution (LTE), Evolved Packet Core (EPC), and next-generation networks and clouds It is a general term for computing network.

The member registration device 130 has the same configuration as a conventional web server or network server in hardware. However, the software module includes a program module implemented in any language such as C, C ++, Java, Visual Basic, and Visual C. Member registration device 130 may be implemented in the form of a web server or a network server, the web server is generally connected to an unspecified number of clients and / or other servers through an open computer network, such as the Internet, the client or other web It refers to a computer system that receives a server's task execution request and derives and provides a work result thereof, and a computer software (web server program) installed therefor. However, in addition to the above-described web server program, it should be understood as a broad concept including a series of application programs (Application Program) operating on a web server and in some cases various databases built therein. The member registration device 130 may be a web server program that is variously provided according to operating systems such as DOS, Windows, Linux, UNIX, and Macintosh on general server hardware. (Internet Information Server) used in a window environment, CERN, NCSA, and APPACH used in a UNIX environment can be used as typical examples.

In addition, the member registration device 130 may interwork with an authentication system and a payment system for member registration. In addition, the member registration device 130 classifies and stores member registration information in a database, which may be implemented inside or outside the member registration device 130. Such a database refers to a general data structure implemented in a storage system (hard disk or memory) of a computer system using a database management program (DBMS), and can freely search (extract) data, delete data, edit data, and add data. It is a data storage type that can be used, such as relational database management systems (RDBMS) such as Oracle, Infomix, Sybase, DB2, Gemston, Orion, Object-oriented database management system (OODBMS) such as O2 and XML Native Database such as Excelon, Tamino, Sekaiju, etc. can be implemented for the purpose of this embodiment. It has the appropriate fields or elements to achieve its function.

Meanwhile, the member registration device 130 may be implemented as an electronic payment device. That is, the member registration device 130 may provide an electronic payment service in cooperation with the electronic payment application 112 mounted on the terminal 110. When the payment request signal is received from the electronic payment application 112 mounted on the terminal 110, the member registration device 130 may perform electronic payment in association with a financial institution device.

When the member registration device 130 according to the present embodiment receives at least one signal of the first authentication procedure completion signal, the second authentication procedure completion signal, and the fourth authentication procedure completion signal from the terminal 110, the terminal 110 may receive a signal. Check whether the user has registered as a member of the user information, allocate an application ID for performing an electronic payment, register the payment means information, and process the member registration completion of the user information of the terminal 110. Here, the payment means information is credit card information. It includes at least one or more information of the check card information, Phone Bill information and financial account information.

The member registration device 130 will be described in more detail with respect to an operation process for registering a member. When the member registration device 130 receives a signal for completing a second authentication procedure from the terminal 110, the user of the terminal 110 is provided. After confirming whether the user has registered as a member of the information, and as a result of checking whether the user has registered as a member, as a result of the non-subscribed member, the third authentication procedure is performed by using the telecommunication company member information included in the user information of the terminal 110. Upon completion, the application ID is assigned to the electronic payment application 112 mounted on the terminal 110, and when the fourth authentication procedure completion signal is received from the terminal 110, the payment means information received from the terminal 110 is stored. And, the member registration of the user information of the terminal 110 is processed.

Referring to the operation for the member registration device 130 to cause the terminal 110 to perform the first authentication procedure, the member registration device 130 for the approval of the operation of the electronic payment application 112 from the terminal 110 When the first authentication request signal is received, request to send the first authentication message to the communication service providing apparatus 140 associated with the terminal 110, and transmit identification information corresponding to the first authentication message to the terminal 110. After receiving the first authentication procedure completion signal from the terminal 110. In this case, the member registration device 130 causes the communication service providing device 140 to send the first authentication message to the terminal 110 in a preset message standard so that the terminal 110 performs the first authentication procedure. To control. Here, the preset message standard is preferably SMS, but is not necessarily limited thereto, and may be an IP-based packet message.

In addition, in the member registration process, the member registration device 130 performs the fourth authentication as a procedure for finally processing the member registration, and a detailed process thereof is as follows. That is, the member registration device 130 performs a third authentication procedure by using the carrier member information included in the user information of the terminal 110. The member registration device 130 checks whether the communication company member information is authenticated using the communication service providing device 140 associated with the terminal 110 to perform the third authentication procedure, and as a result of the confirmation, the service provider member information. If it is authenticated, the member registration process is completed. At this time, the member registration device 130, if there is information that matches the name information or corporate name information of the terminal 110 included in the carrier member information using the communication service providing device 140, and authenticates the carrier member information. .

Meanwhile, the member registration apparatus 130 according to the present embodiment may further include a cloud computing storage unit and a cloud computing unit for cloud computing. When the cloud computing storage receives the second authentication procedure completion signal from the terminal 110, the cloud computing storage determines whether to register as a member of the user information of the terminal 110. The third authentication process is performed by using the carrier member information included in the user information of 110. When the third authentication process is completed, the application ID is assigned to the electronic payment application mounted on the terminal 110. The terminal 110 When receiving the fourth authentication procedure completion signal from the), and stores the payment means information received from the terminal 110, and stores a storage medium for processing the member registration completion for the user information of the terminal 110, cloud computing The unit allows reading and writing of data from the terminal 110 to the storage medium.

The communication service providing apparatus 140 may operate in conjunction with the communication network 120 to process basic and additional services for a location where the terminal 110 may receive a voice or data communication service, a subscriber's incoming and outgoing call processing, and a location registration procedure. And an apparatus for performing various functions required for wireless call processing, such as handoff procedure processing and interworking with another network.

According to the present embodiment, when the communication service providing apparatus 140 receives a control signal from the member registration device 130 to send the first authentication message, the communication service providing apparatus 140 sends the first authentication message to the terminal 110 with a preset message standard. Send it. In this case, the communication service providing apparatus 140 may use the message center to send the first authentication message to the terminal 110 in a preset message standard. Here, the message center is preferably an SMS center, but is not necessarily limited thereto. The message center refers to a device that delivers the requested message to the terminal 110 corresponding to the preset calling number in association with the communication network 120. Meanwhile, the preset message standard is preferably SMS, but is not necessarily limited thereto, and may be an IP-based packet message. In addition, since the first authentication message preferably includes an authentication number consisting of a combination of at least one information among preset numbers, letters, and symbols, the user of the terminal 110 receiving the first authentication message receives the corresponding authentication number. When inputted to the electronic payment application 112 of the terminal 110, the terminal 110 may perform the first authentication procedure using the electronic payment application 112.

2 is a block diagram schematically showing a member registration device according to the present embodiment.

The member registration device 130 according to the present embodiment may include a first authentication processor 210, a membership checker 220, a third authentication processor 222, an application ID allocator 230, and a payment means storage unit ( 240 and a member registration processing unit 250. In the present embodiment, the member registration device 130 is the first authentication processing unit 210, the membership registration confirmation unit 220, the third authentication processing unit 222, the application ID allocator 230, payment means storage unit 240 And it is described as including only the member registration processing unit 250, but this is only illustrative of the technical idea of the present embodiment, those skilled in the art to which this embodiment belongs to the essential characteristics of this embodiment Various modifications and variations to the components included in the member registration apparatus 130 may be applied without departing from the scope thereof.

The first authentication processor 210 receives a signal for completing the first authentication procedure for approval of driving the electronic payment application 112 from the terminal 110. In addition, when the first authentication processing unit 210 receives a first authentication request signal for approval of driving the electronic payment application 112 from the terminal 110, the first authentication processing unit 210 is connected to the communication service providing apparatus 140 associated with the terminal 110. After the request for sending the first authentication message and the identification information corresponding to the first authentication message is transmitted to the terminal 110, the terminal 110 receives a first authentication procedure completion signal. In addition, the first authentication processing unit 210 controls the communication service providing apparatus 140 to send the first authentication message to the terminal 110 in a preset message standard.

When the membership registration check unit 220 receives the second authentication procedure completion signal from the terminal 110, the membership check unit 220 verifies whether the membership of the user terminal 110 is registered. That is, the membership check unit 220 checks whether the user joins the user information of the terminal 110 and performs a member registration procedure when the member is not a member. Here, in the case of a subscription member, when the electronic payment application needs to be newly installed by replacing the terminal, a member registration procedure may be performed. The third authentication processing unit 222 performs a third authentication process by using the telecommunication company member information included in the user information of the terminal 110 when the member joining result confirming whether the membership of the confirmation unit 220 is a non-subscribed member. do. In addition, the third authentication processing unit 222 confirms whether or not the service provider member information is authenticated using the communication service providing apparatus 140 associated with the terminal 110 to perform the third authentication procedure, If the service provider member information is authenticated, the member registration completion is processed. In addition, when there is information that matches the name information or the corporation name information of the terminal 110 included in the service provider member information, the third authentication processor 222 authenticates the service provider member information by using the communication service providing apparatus 140. do.

 The application ID allocating unit 230 allocates the application ID to the electronic payment application when the member is a non-subscribed member as a result of checking whether the member is registered. The payment means storage unit 240 stores the payment means information received from the terminal 110. Here, the payment means information is credit card information. And at least one of check card information, phone bill information, and financial account information. When the member registration processing unit 250 receives the fourth authentication procedure completion signal from the terminal 110, the member registration processing unit 250 processes the member registration for the user information of the terminal 110.

3 is a block diagram schematically illustrating a terminal according to the present embodiment.

The terminal 110 according to the present embodiment includes a download unit 308, a first authentication procedure execution unit 310, a second authentication procedure execution unit 320, an application ID management unit 330, a payment method registration unit 340, And a fourth authentication procedure execution unit 350 and a registration processing unit 360. In the present embodiment, the terminal 110 includes a download unit 308, a first authentication procedure execution unit 310, a second authentication procedure execution unit 320, an application ID management unit 330, a payment method registration unit 340, 4 It is described as including only the authentication procedure performing unit 350 and the registration processing unit 360, but this is only illustrative of the technical idea of the present embodiment, those of ordinary skill in the technical field to which this embodiment belongs If it does not deviate from the essential characteristics of this embodiment will be applicable to various modifications and variations to the components included in the terminal 110. Meanwhile, the download unit 308 implemented in FIG. 3, the first authentication procedure execution unit 310, the second authentication procedure execution unit 320, the application ID management unit 330, the payment method registration unit 340, and the fourth authentication The procedure performing unit 350 and the registration processing unit 360 may be implemented as the electronic payment application 112.

The download unit 308 downloads the electronic payment application from the application providing device when at least one or more of the user selection information through the application providing device and the user selection information during the mobile payment through the PG are input. When the first authentication information input by the user for authentication of driving of the electronic payment application 112 is authenticated, the first authentication procedure performing unit 310 transmits a first authentication procedure completion signal to the member registration device 130. do. Here, the first authentication information is preferably an authentication number consisting of a combination of at least one or more information among preset numbers, letters and symbols, but is not necessarily limited thereto. In addition, the first authentication procedure execution unit 310 transmits a first authentication request signal for approval of driving of the electronic payment application 112 to the member registration device 130, and the first authentication corresponding to the first authentication request signal. When the information is input, it is checked whether the first authentication information is authenticated. If the first authentication information is verified, the first authentication procedure completion signal is transmitted to the member registration device 130. In addition, the first authentication procedure performing unit 310 receives identification information corresponding to the first authentication request signal from the member registration device 130, and when the first authentication information and the identification information match, the first authentication information is displayed. Confirm that you are authorized. In addition, the first authentication procedure execution unit 310 installs the downloaded electronic payment application 112, and when a consent signal for using the electronic payment application 112 is input, the first registration request signal to the member registration device Send to 130.

When the first authentication information is authenticated, the second authentication procedure execution unit 320 checks whether the second authentication information input by the user is authenticated. In addition, the second authentication procedure execution unit 320 includes the second authentication information including at least one or more of the phone number information provided to the terminal 110 and the social security number for the user of the terminal 110. If it matches with the user information, the second authentication information is confirmed to be authenticated. At this time, the second authentication procedure execution unit 320 confirms the authentication of the second authentication information by using the internal memory or the member registration device 130 that stores the user information of the terminal 110. When the second authentication information is authenticated, the application ID manager 330 transmits a signal for completing the second authentication procedure to the member registration device 130 and receives the application ID from the member registration device 130. In addition, when the authentication of the second authentication information is confirmed, the application ID manager 330 transmits a signal for completing the second authentication procedure to the member registration device 130 and receives the application ID from the member registration device 130.

The payment method registration unit 340 registers payment method information input by the user. In addition, the payment method registration unit 340 registers at least one or more of the credit card information, check card information, phone bill information and financial account information input by the user as payment means information. When the fourth authentication information input by the user is authenticated, the fourth authentication procedure performing unit 350 transmits a fourth authentication procedure completion signal to the member registration device 130. In addition, when the fourth authentication information including the PIN input by the user is authenticated, the fourth authentication procedure performing unit 350 encrypts and stores the application ID and the authentication key, and then stores the fourth authentication procedure with the member registration device 130. Send the completion signal. The registration processor 360 receives the registration completion signal from the member registration device 130 and processes the member registration completion. In addition, the registration processing unit 360 outputs a registration completion screen page when a registration completion signal is received from the member registration device 130.

4 is a flowchart illustrating a member registration method for electronic payment according to the present embodiment.

When the download of the electronic payment application 112 is selected in the application providing device, the application providing device causes the electronic payment application 112 to be downloaded to the corresponding terminal 110 (S412). In addition, when the download of the electronic payment application 112 is selected by the user's selection during the mobile payment through the PG (S414), the payment web or mobile application provides a service subscription guide, and the corresponding terminal 110 through the application providing device. In step S416, the electronic payment application 112 is downloaded. In step S414, when the user selects 'new payment' during mobile payment, the user selects 'subscription' in the PG, and transmits the corresponding information to the payment web or mobile application. In operation S416, the payment web or mobile application may request to input a 'service subscription guide' and a user's phone number. In this case, the payment web or mobile application may transmit a message including a downloadable call back URL of the electronic payment application 112 or a message including a link to a corresponding web page to the corresponding terminal.

The terminal 110 installs the downloaded electronic payment application, and when a consent signal for using the electronic payment application 112 is input (S418), the terminal 110 transmits a first authentication request signal to the member registration device 130 ( S420). In operation S420, the terminal 110 transmits a first authentication request signal for approval of driving the electronic payment application 112 to the member registration device 130, and when first authentication information corresponding to the first authentication request signal is input. The first authentication information is verified whether the first authentication information is authenticated. When the first authentication information is verified, the first authentication procedure completion signal is transmitted to the member registration device 130. In addition, in step S420, the terminal 110 receives identification information corresponding to the first authentication request signal from the member registration device 130 to perform the first authentication procedure, and the first authentication information and the identification information match. The first authentication information is confirmed to be authenticated. Here, the first authentication information and identification information is preferably an authentication number consisting of a combination of at least one or more information among preset numbers, letters, and symbols, but is not necessarily limited thereto.

When the member registration device 130 receives a first authentication request signal for approval of driving of the electronic payment application 112 from the terminal 110, the member registration device 130 performs first authentication with the communication service providing device 140 associated with the terminal 110. Request sending of the message (S422). In operation S422, the member registration device 130 transmits identification information corresponding to the first authentication message to the terminal 110. In addition, the member registration device 130 may receive a first authentication procedure completion signal for approval of driving the electronic payment application from the terminal 110.

When the communication service providing apparatus 140 receives the control signal from the member registration device 130 to send the first authentication message, the communication service providing apparatus 140 sends the first authentication message to the terminal 110 in a preset message standard (S424). In operation S424, the communication service providing apparatus 140 may use the message center to send the first authentication message to the terminal 110 in a preset message standard. Here, the message center is preferably an SMS center, but is not necessarily limited thereto. Meanwhile, the preset message standard is preferably SMS, but is not necessarily limited thereto, and may be an IP-based packet message. In addition, since the first authentication message preferably includes an authentication number consisting of a combination of at least one information among preset numbers, letters, and symbols, the user of the terminal 110 receiving the first authentication message receives the corresponding authentication number. When inputted to the electronic payment application 112 of the terminal 110, the terminal 110 may perform the first authentication procedure using the electronic payment application 112. Thereafter, the agreement agreement screen may be output from the payment web or mobile application (S425).

When the first authentication information is authenticated, the terminal 110 confirms whether the second authentication information input by the user is authenticated, and when the second authentication information is authenticated, the second authentication information is registered by the member registration device 130. The procedure completion signal is transmitted (S426). In step S426, when the first authentication information input by the user for authentication of driving of the electronic payment application 112 is authenticated, the terminal 110 transmits a signal for completing the first authentication procedure to the member registration device 130. The second authentication information input by the user may be verified. In addition, the step S426 will be described in more detail. The terminal 110 may include second authentication information including at least one or more of telephone number information and social security number for the user of the terminal 110 and user information of the terminal 110. If there is a match, it is confirmed that the second authentication information is authenticated. In this case, the terminal 110 may check the authentication of the second authentication information by using the internal memory or the member registration device 130 that stores the user information of the terminal 110.

When the member registration device 130 receives the second authentication procedure completion signal from the terminal 110, the member registration device 130 checks whether the user has registered as a member of the user information of the terminal 110 (S428). In operation S428, the member registration device 130 checks whether the user has registered as a member of the user information of the terminal 110 and performs a member registration procedure when the member is not a member. Here, in the case of a subscription member, when the electronic payment application needs to be newly installed by replacing the terminal, a member registration procedure may be performed.

When the member registration device 130 is a non-subscribed member as a result of checking whether the member is registered, the member registration device 130 uses the communication service providing device 140 associated with the terminal 110 to perform the third authentication procedure. Check whether the carrier member information is authenticated, and if the result of the confirmation, the carrier member information is authenticated to complete the member registration (S430). In operation S430, the member registration device 130 uses the communication service providing device 140 to display the service provider member information when there is information that matches the name information or the corporation name information of the terminal 110 included in the communication service member information. Authenticate

When the third authentication process is completed, the member registration device 130 assigns an application ID to the electronic payment application 112 (S432). The terminal 110 receives an application ID from the member registration device 130 (S434). Referring to the process of the terminal 110 manages the application ID in step S434, when the authentication of the second authentication information is confirmed, the terminal 110 transmits a signal for completing the second authentication procedure to the member registration device 130; After receiving the application ID from the member registration device 130.

When the fourth authentication information input by the user is authenticated after receiving the application ID from the member registration device 130, the terminal 110 transmits a fourth authentication procedure completion signal to the member registration device 130 (S436). ). In operation S436, the terminal 110 performs a fourth authentication procedure. When the fourth authentication information including the PIN input by the user is authenticated, the terminal 110 encrypts the application ID and the authentication key. After storing the information, the fourth registration process completion signal is transmitted to the member registration device 130.

Thereafter, the terminal 110 registers payment means information input by the user (S438). In step S438, the terminal 110 registers at least one of credit card information, check card information, phone bill information, and financial account information input by the user And registers it as payment means information. The member registration device 130 stores the payment means information received from the terminal 110 (S440). When the member registration device 130 receives the fourth authentication procedure completion signal from the terminal 110, the member registration device 130 processes the member registration for the user information of the terminal 110 (S442). After receiving the registration completion signal from the member registration device 130, the terminal 110 processes the member registration completion (S446). In step S446, the terminal 110 outputs a registration completion screen page when a registration completion signal is received from the member registration device 130 for member registration processing.

In FIG. 4, steps S412 to S446 are described as being sequentially executed. However, this is merely illustrative of the technical idea of the present embodiment, and a person having ordinary knowledge in the technical field to which the present embodiment belongs may use the present embodiment. 4 may be modified and modified in various ways, such as by changing the order described in FIG. 4 or executing one or more steps of steps S412 to S446 in parallel without departing from the essential characteristics. It is not limited.

As described above, the member registration method for electronic payment according to the present embodiment described in FIG. 4 may be implemented in a program and recorded in a computer-readable recording medium. A computer-readable recording medium having recorded thereon a program for implementing a member registration method for electronic payment according to the present embodiment includes all kinds of recording devices storing data that can be read by a computer system. Examples of such computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, etc., and also implemented in the form of a carrier wave (e.g., transmission over the Internet) . The computer readable recording medium may also be distributed over a networked computer system so that computer readable code is stored and executed in a distributed manner. Also, functional programs, codes, and code segments for implementing the present embodiment may be easily inferred by programmers in the art to which the present embodiment belongs.

The foregoing description is merely illustrative of the technical idea of the present embodiment, and various modifications and changes may be made to those skilled in the art without departing from the essential characteristics of the embodiments. Therefore, the present embodiments are to be construed as illustrative rather than restrictive, and the scope of the technical idea of the present embodiment is not limited by these embodiments. The scope of protection of the present embodiment should be construed according to the following claims, and all technical ideas within the scope of equivalents thereof should be construed as being included in the scope of the present invention.

As described above, the present embodiment is applied to various fields for processing a member registration based on whether the information input by the user through the terminal is authenticated to perform the electronic payment, so that more secure electronic payment is performed. There is no need to issue a separate module or card to perform, it is a useful invention that generates the effect that can minimize the damage caused by the leakage of personal information.

110: terminal 112: electronic payment application
120: communication network 130: member registration device
140: communication service providing apparatus 210: first authentication processing unit
220: Membership confirmation unit 230: Application ID assignment unit
240: member registration processing unit 310: first authentication procedure performing unit
320: second authentication procedure execution unit 330: application ID management unit
340: payment method register 350: fourth authentication process performing unit
360: registration processing unit

Claims (23)

When at least one of the first authentication information, the second authentication information, and the fourth authentication information input by the user for the member registration is authenticated, the application ID for performing the electronic payment is received and the payment means information is registered. A terminal for processing member registration completion; And
When receiving at least one signal from among the first authentication procedure completion signal, the second authentication procedure completion signal, and the fourth authentication procedure completion signal from the terminal, confirm whether the user registration of the user information of the terminal, and perform the electronic payment The member registration device which allocates the application ID for the service and registers the payment means information and processes member registration for the user information of the terminal.
Member registration system for electronic payment, comprising a. A membership registration confirmation unit for confirming whether a user is registered to the user information of the terminal when the second authentication procedure completion signal is received from the terminal;
A third authentication processor configured to perform a third authentication process by using the telecommunication company member information included in the user information of the terminal when the result of the confirmation of membership registration is a non-subscribed member;
An application ID allocator for allocating an application ID to the electronic payment application mounted in the terminal when the third authentication procedure is completed;
A payment means storage unit for storing payment means information received from the terminal when a fourth authentication procedure completion signal is received from the terminal; And
Member registration processing unit for processing member registration completion for the user information of the terminal
Member registration apparatus comprising a. The method of claim 2,
A first authentication processing unit which receives a first authentication procedure completion signal for approval of driving the electronic payment application from the terminal;
Member registration apparatus characterized in that it further comprises. The method of claim 3, wherein
The first authentication processing unit,
When the first authentication request signal for approval of driving of the electronic payment application is received from the terminal, request to send the first authentication message to the communication service providing apparatus associated with the terminal, and respond to the first authentication message to the terminal. And receiving the first authentication procedure completion signal from the terminal after transmitting the identification information. The method of claim 4, wherein
The first authentication processing unit,
And the communication service providing device transmits the first authentication message to the terminal in a preset message standard. The method of claim 2,
The third authentication processing unit,
In order to perform the third authentication process, using the communication service providing apparatus associated with the terminal, confirming whether or not the communication company member information is authenticated, and as a result of the confirmation, the member registration is completed when the communication company member information is authenticated. Member registration device, characterized in that for processing. The method according to claim 6,
The member registration processing unit,
And when there is information that matches the name information or the corporation name information of the terminal included in the communication company member information by using the communication service providing device, the member registration device characterized in that the authentication of the communication company member information. The method of claim 2,
The payment means information,
Credit card information. And at least one of check card information, phone bill information, and financial account information. A second authentication procedure execution unit for checking whether the second authentication information input by the user is authenticated;
An application ID manager for transmitting a second authentication procedure completion signal to a member registration device and receiving an application ID from the member registration device when the second authentication information is authenticated;
A fourth authentication procedure execution unit for transmitting a fourth authentication procedure completion signal to the member registration device when the fourth authentication information input by the user is authenticated;
A payment means registration unit that registers payment means information input by the user; And
A registration processing unit for processing member registration completion after receiving a registration completion signal from the member registration device;
And a second terminal. The method of claim 9,
A first authentication procedure execution unit that transmits a first authentication procedure completion signal to the member registration device when the first authentication information input by the user is authenticated for the driving approval of the electronic payment application;
Terminal, characterized in that it further comprises. 11. The method of claim 10,
The first authentication procedure execution unit,
If the first authentication request signal for driving approval of the electronic payment application is transmitted to the member registration device and the first authentication information corresponding to the first authentication request signal is input, it is determined whether the first authentication information is authenticated. And confirming whether the first authentication information is authenticated, and transmitting the completion signal of the first authentication procedure to the member registration device. 11. The method of claim 10,
The first authentication procedure execution unit,
And receiving identification information corresponding to the first authentication request signal from the member registration device, and confirming that the first authentication information is authenticated when the first authentication information and the identification information match. . 11. The method of claim 10,
The first authentication information and the identification information terminal characterized in that the authentication number consisting of a combination of at least one or more of a predetermined number, letters and symbols. The method of claim 9,
The second authentication procedure execution unit,
If the second authentication information including at least one of telephone number information and the resident registration number for the user of the terminal matches the user information of the terminal, the second authentication information is authenticated. Terminal characterized in that for checking. 15. The method of claim 14,
The second authentication procedure execution unit,
And confirming the authentication of the second authentication information using an internal memory storing the user information of the terminal or the member registration device. The method of claim 9,
The application ID management unit,
And when the authentication of the second authentication information is confirmed, after receiving the second authentication procedure completion signal to the member registration device, receiving the application ID from the member registration device. The method of claim 9,
The payment means registration unit,
And at least one or more of the credit card information, the check card information, the phone bill information, and the financial account information input by the user as the payment means information. The method of claim 9,
The fourth authentication procedure performing unit,
When the fourth authentication information including the PIN (Personal Identification Number) input by the user is authenticated, the application ID and the authentication key are encrypted and stored, and then the fourth authentication procedure completion signal is transmitted to the member registration device. Terminal, characterized in that. The method of claim 9,
The registration processing unit,
And a registration completion screen page when the registration completion signal is received from the member registration device. The method of claim 9,
Downloading unit for downloading the electronic payment application from the application providing device, when at least one or more of the user's selection information through the application providing device, the user's selection information during the mobile payment through the payment gateway (PG) is input
Terminal, characterized in that it further comprises. 21. The method of claim 20,
The first authentication procedure performing unit,
And install the downloaded electronic payment application and transmit the first authentication request signal to the member registration device when a consent signal for using the electronic payment application is input. In the member registration method for performing member registration,
A member registration checking step of confirming whether a member is registered with respect to user information of the terminal when receiving a completion signal of a second authentication procedure from the terminal;
A third authentication process of performing a third authentication process by using a telecommunication company member information included in the user information of the terminal when a result of confirming whether a member is registered;
An application ID allocation process of allocating an application ID to the electronic payment application when the third authentication process is completed;
A payment means storing step of storing payment means information received from the terminal when the fourth authentication procedure completion signal is received from the terminal; And
Member registration process for processing member registration completion for the user information of the terminal
Member registration method for electronic payment, comprising a. In the method for performing member registration in the terminal,
Performing a second authentication procedure for checking whether the second authentication information input by the user is authenticated;
An application ID management process of transmitting a second authentication procedure completion signal to a member registration device and receiving an application ID from the member registration device when the second authentication information is authenticated;
Performing a fourth authentication procedure for transmitting a fourth authentication procedure completion signal to the member registration device when the fourth authentication information input by the user is authenticated;
A payment means registration process of registering payment means information input by the user; And
A registration processing process of processing member registration completion after receiving a registration completion signal from the member registration device;
Member registration method for electronic payment, comprising a.

Images