KR20130082833A - Finance transaction system - Google Patents

Finance transaction system Download PDF

Info

Publication number
KR20130082833A
KR20130082833A KR1020110138405A KR20110138405A KR20130082833A KR 20130082833 A KR20130082833 A KR 20130082833A KR 1020110138405 A KR1020110138405 A KR 1020110138405A KR 20110138405 A KR20110138405 A KR 20110138405A KR 20130082833 A KR20130082833 A KR 20130082833A
Authority
KR
South Korea
Prior art keywords
payment
terminal
mobile terminal
code
company server
Prior art date
Application number
KR1020110138405A
Other languages
Korean (ko)
Inventor
이왕주
Original Assignee
와이엠디(주)
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 와이엠디(주) filed Critical 와이엠디(주)
Priority to KR1020110138405A priority Critical patent/KR20130082833A/en
Publication of KR20130082833A publication Critical patent/KR20130082833A/en

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H04L63/0838—Network architectures or network communication protocols for network security for authentication of entities using passwords using one-time-passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements

Abstract

PURPOSE: An on-site purchase payment system is provided to easily perform on site payment by using a mobile terminal in wireless network environment. CONSTITUTION: A system consists of a wireless terminal (70), a payment terminal (60), a portable terminal (50) in an off-line service store and each of these performs work by communicating with a payment system (100), a financial company server (200) and a card company server (300). A user orders in a user's own table and select the table. The wireless terminal obtains a table number from a portable terminal of the user requesting payment and matches by obtaining member store code, table number and price from the payment terminal. A payment is requested to the financial company server by the portable terminal requesting the payment and the payment is proceeded by providing authentication information according to the request to the portable terminal. [Reference numerals] (60) Payment terminal; (AA) Order entry/table selection; (BB) Merchants code/payments/table number; (CC) MAC_ADDR (table number); (DD) Payment request (merchant code/table number); (EE,HH) Confirmation process; (FF,II) Payment request/request result notification; (GG) Confirmation; (JJ) App-driven table number input

Description

Field purchase payment system {Finance transaction system}

The present invention relates to a field purchase payment system, and more particularly, to a field purchase payment system for implementing a simple and convenient mobile payment environment through a mobile terminal in a variety of on-site purchase environment.

Current mobile payments are made for small payments at a store equipped with a mobile terminal and a dedicated payment terminal capable of wireless communication in a short distance.

The user of the portable terminal mounts a chip for financial settlement in the portable terminal and uses it for payment. The mounted chip may be used in place of a credit card when located at a short distance with a dedicated payment terminal. Due to the weak security of the wireless Internet environment, payments using mobile terminals are usually limited to small payments of about several hundreds to hundreds of thousands of won.

Meanwhile, the above-described financial transaction method can be used only at a store equipped with a dedicated payment terminal and is not used for online payment. Online payment is mainly processed by a personal computer that can use financial information such as a public certificate and a security card, and requires a separate password card to secure security in a web environment. When a mobile terminal using wireless communication transmits and receives financial information using a web environment, it is difficult to secure the security of the financial information, and the security problem of wireless communication is limited to financial transactions using the mobile terminal. have.

Accordingly, there is a demand for an on-site purchase and payment system in which a mobile terminal easily pays for costs while maximizing security even in a wireless communication environment.

An object of the present invention is to provide a field purchase payment system that is easy to pay for costs using a mobile terminal in a wireless network environment.

According to the present invention, a network connection with a payment terminal, the table number is obtained from a mobile terminal requesting payment through an access point (AP) for providing a wireless communication environment, the merchant code, A transaction matching module for matching a mobile terminal with a payment target by obtaining a payment amount and a table number, and requesting a payment from a financial institution server in response to a request for payment of a cost of the mobile terminal, and receiving authentication information provided from the financial institution server. It is achieved by an authentication module which provides a portable terminal and authenticates the portable terminal with reference to the feedback.

According to the present invention, the mobile terminal is capable of data communication with the payment terminal, and the mobile terminal, when acquiring and providing MAC ADDR from a wireless terminal having a MAC ADDR, merchant code corresponding to the MAC ADDR Merchant matching module for determining a; and a payment number generated by the mobile terminal for payment, and the cost matching module to obtain payment cost information from the payment terminal through the MAC ADDR and provide it to the mobile terminal; In addition, a payment number generated by the mobile terminal for payment is added to the merchant code and the payment amount, and is achieved by an on-site purchase payment system for processing the payment by transmitting to the financial institution server.

As described above, the present invention enables the payment of costs using a wireless network environment in a store that trades various products or in an offline payment environment. Further, according to the present invention, since the MAC address of the payment terminal is used for payment by matching the merchant code, the mobile payment can be processed at various sites.

1 is a conceptual diagram for a field purchase payment system according to an embodiment of the present invention.
2 is a reference diagram for a method of processing a payment based on a payment terminal.
3 illustrates a reference view according to a method in which a payment is processed based on an AP.
4 is a block diagram of a payment system according to an embodiment of the present invention.

The on-site purchase referred to in the present invention refers to a purchase in which the mobile terminal uses a payment terminal for card payment and a wireless terminal for providing a wireless network to the mobile terminal.

At this time, the mobile terminal and the payment terminal should be capable of supporting VOIP and mVOIP (mobile VOIP).

Here, the portable terminal can communicate with the wireless terminal and wireless network, and can refer to a portable terminal having a processor, a memory, and a display device. As a portable terminal, it may be a mobile phone, a smart phone, a personal digital assistant (PDA), a notebook, and various other devices.

The financial institution server referred to in the present invention may refer to a payment gateway (PG) server, a value added network (VAN) server, or both.

The cost settlement referred to in the present invention refers to the cost of selling goods and the cost of selling services, but may also include transfers that occur between individuals. That is, even if a product or service is not provided, payment can be made.

The wireless terminal referred to in the present invention may be one of a terminal capable of data communication with a portable terminal using Bluetooth communication, or one of an access point (AP). The wireless terminal may be connected to a field purchase payment system according to the present invention through a wired network or a wireless network, where the wireless terminal may have a unique MAC address (MAC ADDR). The MAC ADDR of a wireless terminal can be a means by which a field purchase payment system can uniquely specify a wireless terminal.

When the wireless terminal is a device capable of Bluetooth communication, the wireless terminal may perform Bluetooth communication with the mobile terminal and the payment terminal. In this case, when the portable terminal enters a distance where data communication is possible with the wireless terminal, that is, when the portable terminal user makes a purchase in the field, the portable terminal and the wireless terminal may perform data communication. In the present invention, the wireless terminal will be described based on an access point (AP) for convenience of explanation and understanding, but it will be appreciated that the wireless terminal is not limited thereto.

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

1 illustrates a conceptual diagram of an on-site purchase payment system according to an embodiment of the present invention, and FIGS. 2 and 3 illustrate reference drawings according to a payment terminal and a method of processing a payment based on a wireless terminal. . 1 to 3 together, a wireless terminal P 70 for providing a wireless network is provided in an offline store that provides goods or services, and is carried with the payment terminal 60 through the wireless terminal 70. An environment in which network communication is possible between the terminals 50 is established. The wireless terminal 70 has a unique MAC address, and allows the payment terminal 60 and the mobile terminal 50 to perform data communication directly. Since the MAC address of the wireless terminal 70 is a unique value, it can represent a store that provides goods or services on behalf of the payment terminal 60. Using this, the wireless terminal 70 provides a MAC address to a field purchase payment system (hereinafter, referred to as a payment system) in a store, and the payment system 100 uses a MAC address provided from the wireless terminal 70 to store. When the payment is requested at a specific store, the payment can be processed for the store. In this case, the wireless terminal 70 may obtain information about the affiliate store code and the payment amount of the payment terminal 60.

Meanwhile, the mobile terminal 50 may access the wireless terminal 70 after driving the app, and request a payment to the wireless terminal 70. In this case, the mobile terminal 70 may transmit the table number input by the user to the wireless terminal 70, and information about the table number and the merchant code and the payment amount provided by the payment terminal 60 may be settled in the payment system 100. It can be provided at to request payment.

Here, the table number may refer to a table allocated to individual customers in a restaurant or may be a number of a space allocated to each customer when a space allocated to each customer exists. For example, for a customer receiving a sports massage in the service room, the number assigned to the service room may refer to the table number.

As such, when the mobile terminal 50 and the payment terminal 60 provide the merchant code, the payment amount, and the table information separately, the mobile terminal 50 is exposed when the mobile terminal 50 uses the wireless network using the wireless terminal 70. Even if the information is weak in the security of the exposed information, financial information such as card number, bank account number, password for them, and personal information of the mobile terminal 50 is not exposed, so excellent security can be maintained. .

The wireless terminal 70 requests the payment by providing the table information provided from the mobile terminal 50 and the merchant code and payment amount information provided from the payment terminal 60 to the payment system 100, and the payment system 100. This may be delivered to the financial company server 200, the financial company server 200 may be transferred to the card company server 300 to request the payment. In this case, the card company server 300 carries one of the OTP (One Time Password) number or a random number generated temporarily whenever a request for payment is made through a carrier server that provides a wireless communication service to the mobile terminal 50. When provided to the terminal 50, and correctly fed back the OTP number or random number in the mobile terminal 50, the mobile terminal 50 can be authenticated, and the payment system can approve the requested payment request. have.

The payment terminal 60 obtains an order of goods or services desired by the user of the mobile terminal 50 when an order of a product or service is generated by the user of the mobile terminal 50, and at this time, the table of the mobile terminal 50 Information can be obtained. If the payment terminal 60 requests a payment to the payment system 100 directly through a wired or wireless network, the payment terminal 60 may provide information about goods or services ordered by the user of the mobile terminal 50. , The payment amount, and the merchant code may be provided to the payment system 100, and the processing of the payment may be requested. This is illustrated in FIG. 2, and it can be seen that the payment terminal 60 directly provides the corresponding information to the payment system 100. Here, the table number may be provided to the payment system 100 from the wireless terminal 70, instead of being provided from the payment terminal 60 to the payment system 100, wherein the wireless terminal 70 is paid through the wired network. Table information may be provided to the system 100.

On the other hand, as shown in FIG. 3, when the wireless terminal 70 sends the MAC address to the payment system 100 and sends the MAC address, the payment amount and the table information may be transmitted. The MAC address corresponds to a unique identifier assigned to each network device, and the payment system 100 may include a code table in which the MAC address and the affiliated store code are mapped.

The code table corresponds to the unique MAC address of the wireless terminal 70 and the affiliated store code, and must be registered in advance in the payment system 100 at the affiliated store terminal 70 side. In addition, the code table may be formed in association with the wireless terminal 70 and the store information such as the name of the store, the location of the store, the contact information of the store. When the wireless terminal 70 is connected to the payment system 100, the payment system 70 may obtain table information provided by the mobile terminal 50 located at a store to which the wireless terminal 70 belongs. The information obtained from the payment terminal 60 and the mobile terminal 50 through the same wireless terminal 70 may be recognized as the mobile terminal 50 purchasing a product or a service at a store.

4 is a conceptual diagram of a field purchase payment system according to another embodiment of the present invention.

Referring to FIG. 4, in the field purchase payment system, when a user of a mobile terminal 50 who wants to purchase a product or service enters a store and purchases a product or service, the user of the mobile terminal 50 may use the mobile terminal 50. An app installed in the app is driven, the driven app performs data communication with the wireless terminal 70, and requests a merchant code to the wireless terminal 70.

The mobile terminal 50 provides the payment system 100 by attaching a transaction number to the MAC ADDR and the affiliated store code obtained from the wireless terminal 70, and the payment system 100 is a payment terminal (POS) located in a store ( 60), the merchant code, the transaction number, and the MAC ADDR provided by the mobile terminal 50 are provided to confirm a transaction occurring between the store and the mobile terminal 50. The payment terminal (POS) 60 is illustrated to be included in the payment system 100 because the payment terminal (POS) 60 provides the payment system 100 with information about the transaction details. The payment system 100 may be integrally formed with the payment terminal (POS) 60 or may be connected to the payment terminal (POS) 60 through a wired network and a wireless network.

The transaction number may be arbitrarily generated in the mobile terminal 50. In the embodiment of FIG. 1, when a user of the mobile terminal 50 can designate a specific location such as a restaurant, a bar, a gas station, the table number is provided. In many cases, however, transactions of the type that do not provide a table number may occur. For example, when purchasing clothing at a clothing store, a table number cannot be assigned to a user of the mobile terminal 50, and when purchasing a product at a large mart or a discount store, a separate table number may not be allocated. In this case, the mobile terminal 50 may generate an arbitrary transaction number using the app, and replace the table number with the generated transaction number. The app installed in the mobile terminal 50 is provided to the payment system 100 by adding the transaction number input by the user to the merchant code provided by the wireless terminal 70, the payment system 100 is a payment terminal (POS) ( From 60), the mobile terminal 50 inquires the payment amount for the transaction for which payment is requested, and may notify the mobile terminal 50 of the inquired payment amount.

Accordingly, the mobile terminal 50 requests the payment of the cost by providing the financial institution server 200 with information about the payment cost, the merchant code, and the transaction number obtained from the payment system 100, and the financial institution server 200 is portable. According to the order in which the terminal 50 requests the requested payment to the card company server 300, the payment may be processed. At this time, the card company server 300 may pass the OTP number to the mobile terminal 50 through the financial company server 200, or pass the authentication number for the authentication of the mobile terminal 50, the mobile terminal 50 is correct When feeding back the OTP number or the authentication number, the mobile terminal 50 may process the requested payment. The result of the payment processing may be notified from the card company server 300 to the mobile terminal 50 and the wireless terminal 70 via the financial company server 200.

5 and 6 illustrate a conceptual diagram of a field purchase payment system according to another embodiment of the present invention.

5 and 6, in the payment system according to the embodiment, when the user of the mobile terminal 50 performs a payment for a product or a service, the app is first driven, and the driven app is a wireless terminal 70. ) To request MAC ADDR. When the wireless terminal 70 requests the MAC ADDR for payment from the mobile terminal 50 located within the communication coverage, the wireless terminal 70 provides the MAC ADDR to the mobile terminal 50 in response thereto, and the mobile terminal 50 provides the MAC ADDR. While providing to the payment system 100, it is possible to request a merchant code of the wireless terminal 70. The payment system 100 determines a company that the mobile terminal 50 intends to perform a cost payment through the MAC ADDR provided by the mobile terminal 50, and provides the merchant code assigned to the corresponding company to the mobile terminal 50. can do. Here, the payment system 100 may include a mapping table that maps merchant codes for each company corresponding to each MAC ADDR, or may include information about a web access path corresponding to the MAC ADDR. For example, the payment system 100 provides a merchant code directly to the mobile terminal 50 when the mobile terminal 50 requests payment using a mapping table, or provides a payment terminal (POS) 60 of the merchant. The merchant code can be queried and the inquired merchant code can be provided to the mobile terminal 50. In this case, the payment system 100 may obtain information about the payment amount through the payment terminal (POS) 60, and the information about the payment amount may be provided to the mobile terminal 50.

The mobile terminal 50 may combine the merchant code obtained from the payment system 100 with the payment number and the information on the payment amount and provide the same to the financial institution server 200 to request payment of the cost. The financial company server 200 provides the merchant company code, the payment number, and the information on the payment cost, which are provided by the mobile terminal 50, to the card company server 300 to request the payment, and the card company server 300 includes the OTP number, Alternatively, after the authentication process is normally performed using the authentication number, the payment can be approved, and the result can be notified to the mobile terminal 50 or the wireless terminal 70 through the financial institution server 200.

7 is a block diagram of a payment system according to an embodiment of the present invention.

Referring to FIG. 7, the payment system 100 includes a code matching module 110, a transaction matching module 120, an authentication module 130, a payment module 140, a database 150, a merchant matching module 160, And it may be configured to include a cost matching module 170.

When the code matching module 110 accesses the payment system 100 from the wireless terminal 70 and leaves the MAC ADDR of the wireless terminal 70, the MAC ADDR in the code table having matching information about the MAC ADDR and the affiliated store code is displayed. The affiliated store code corresponding to the terminal is inquired to determine a matched merchant code for the wireless terminal 70. At this time, the wireless terminal 70 obtains the table information from the mobile terminal 50, obtains the payment amount information through the payment terminal 60, and provides information about the table information, MAC ADDR, and payment amount to the payment system ( 100).

The transaction matching module 120 matches the payment information with the mobile terminal 50 to which the table information is matched by referring to the table information provided from the wireless terminal 70, the payment amount, and the affiliate code corresponding to the MAC ADDR. In addition, information about a payment amount, a merchant code, and a payment amount matched as a transaction target may be provided to the payment module 140.

The payment module 140 attaches the unique ID of the payment bank to which the payment is to be processed to payment information including the payment amount and information about the merchant code, and attaches the payment information with the bank unique ID to the financial company server 200. You can ask to pay the fee. Here, the bank unique ID represents a unique ID representing the payment bank, and may include a form including account information for the payment bank in addition to the unique ID.

The authentication module 130 may request a random number or an OTP number for authentication to the financial institution server 200 when a payment is requested from the payment module 140 to the financial institution server 200.

The OTP number and the random number may be provided to the mobile terminal 50 through the communication company server through which the financial company server 200 provides a communication service to the mobile terminal 50. The OTP number or random number is provided to the mobile terminal 50 in the form of SMS, and when the mobile terminal 50 feeds back the same OTP number or random number, the mobile terminal 50 can be authenticated.

OTP numbers, and random numbers, can be used independently of numbers, letters, special characters, or can be generated by an optional combination thereof, such as numbers and letters, numbers and special characters, combinations of letters and special characters.

The database 150 records the details of the authentication result of the authentication module 130, the details of the payment settlement including information on the timing of occurrence of the payment of the cost generated through the wireless terminal 70 or the payment terminal 60, and the payment amount. Record it.

The affiliated store matching module 160 determines an affiliated store code corresponding to the MAC ADDR when the mobile terminal 50 provides the MAC ADDR. The affiliated store matching module 160 may determine the affiliated store code by using a code table, but accesses the wireless terminal 70 to inquire the affiliated store code, or connects to the payment terminal (POS) 60 by the network and the payment terminal 60. You can also get merchant code directly.

The cost matching module 170 receives the MAC ADDR of the wireless terminal 70 and the payment number generated and provided for the payment in the mobile terminal 50 from the mobile terminal 50, the MAC ADDR of the wireless terminal 70. The merchant code corresponding to the network may be determined, and the payment cost may be determined by accessing the network to the payment terminal 60 corresponding to the determined merchant code. The cost matching module 170 includes a connection path of the payment terminal 60 corresponding to the MAC ADDR, and obtains information on the cost to be paid by the mobile terminal 50 by connecting to the payment terminal 60 along the connection path. can do. Obtained cost information is provided to the mobile terminal 50, the mobile terminal 50, the merchant code obtained from the wireless terminal 70, the payment number generated for payment, and payment cost information, the financial company server 200 You can ask to pay the fee.

50: mobile terminal 60: payment terminal
70: AP (Access Point) 100: payment system
200: financial company server 300: card company server

Claims (11)

Obtain a table number from a mobile terminal requesting payment through a wireless terminal which is connected to a payment terminal network and provides a wireless communication environment, and acquires a merchant code, a payment amount, and a table number from the payment terminal. A transaction matching module for matching a payment target; And
An authentication module for requesting payment to a financial institution server in response to a request for payment of the cost of the portable terminal, providing authentication information provided from the financial institution server to the portable terminal, and authenticating the portable terminal with reference to the feedback; On-site purchase payment system, characterized in that it comprises a. The method of claim 1,
The wireless terminal has a self-assigned Media Access Control Address (MAC) address,
A code matching module having a code table defined for the MAC address and the affiliated store code of the payment terminal, and matching the affiliated store code corresponding to the MAC address of the wireless terminal with reference to the code table and providing the same to the transaction matching module. On-site purchase payment system characterized in that it further comprises. The method of claim 1,
An authentication module for acquiring an authentication number from the financial company server, providing the obtained authentication number to the mobile terminal, and providing an authentication number fed back from the mobile terminal to the financial company server to perform authentication on the mobile terminal; On-site purchase payment system characterized in that it further comprises. The method of claim 1,
The financial company server,
On-site purchase payment system characterized in that when the request for payment in the mobile terminal, the OTP authentication number is provided to the mobile terminal, and the mobile terminal is authenticated with reference to the feedback on the OTP authentication number. The method of claim 1,
The financial company server,
On-site purchase payment system, characterized in that for providing the authentication number to the mobile terminal using a Short Message Service (SMS). The method of claim 1,
The financial company server,
On-site purchase payment system characterized in that for requesting payment by providing a unique ID including information about the payment bank to the card company server attached to the information on the merchant code and the payment amount. The method of claim 1,
The financial company server,
On-site purchase payment system, characterized in that any one of a PG (Payent Gateway) server, and a Value Added Network (VAN) server. The method of claim 1,
And a payment module for requesting payment of a fee by transferring the affiliate store code, the payment amount, and the authentication information to the financial institution server in response to the request for payment of the cost of the mobile terminal. A merchant matching module configured to determine a merchant code corresponding to the MAC ADDR when the portable terminal is capable of data communication with the payment terminal and the portable terminal, and obtains and provides the MAC ADDR from the wireless terminal having the MAC ADDR; And
A cost matching module for acquiring payment cost information from the payment terminal through the payment number generated by the mobile terminal for payment and the MAC ADDR and providing the same to the mobile terminal;
On-site purchase payment system characterized in that for processing the payment by adding a payment number generated for payment in the mobile terminal to the merchant code, the payment amount to the financial company server. 10. The method of claim 9,
The merchant matching module,
A code table matching the merchant code for the payment terminal and the MAC ADDR of the wireless terminal, and referring to the code table, determining a merchant code corresponding to the MAC ADDR provided by the mobile terminal; Purchase payment system. 10. The method of claim 9,
The merchant matching module,
Information on a connection path of the payment terminal corresponding to the MAC ADDR of the wireless terminal;
And when the portable terminal provides the MAC ADRR, requests for and obtains information on a payment cost from a payment terminal along the access path.
KR1020110138405A 2011-12-20 2011-12-20 Finance transaction system KR20130082833A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020110138405A KR20130082833A (en) 2011-12-20 2011-12-20 Finance transaction system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020110138405A KR20130082833A (en) 2011-12-20 2011-12-20 Finance transaction system

Publications (1)

Publication Number Publication Date
KR20130082833A true KR20130082833A (en) 2013-07-22

Family

ID=48994014

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020110138405A KR20130082833A (en) 2011-12-20 2011-12-20 Finance transaction system

Country Status (1)

Country Link
KR (1) KR20130082833A (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20150106213A1 (en) * 2012-11-19 2015-04-16 Dogyun Guen Online payment method for face-to-face transactions

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20150106213A1 (en) * 2012-11-19 2015-04-16 Dogyun Guen Online payment method for face-to-face transactions

Similar Documents

Publication Publication Date Title
AU2017200988B2 (en) Payment device with integrated chip
US9852479B2 (en) Mechanism for reputation feedback based on real time interaction
CN106233664A (en) Use the data verification accessing device
US20150199658A1 (en) System and method for electronic payment, and server, communication terminal and program therefor
CN109118241A (en) remote variable authentication processing
KR20130000072A (en) System for paying on/offline using nfc mobile phone and method therefor
KR20140048813A (en) Trade/payment agent system and method for used article
KR20120100283A (en) System and method for electronic payment
KR101631609B1 (en) Method for Providing A Digital Wallet Service Using User Confirmation
KR101868045B1 (en) Mobile payment method in Stores
JP2006331437A (en) Settlement method, information processing method for settlement, information processing system for settlement, and program
KR20130082833A (en) Finance transaction system
KR20170090350A (en) Vicarious purchasing management system that different people who payer and buyer
JP6518826B2 (en) Settlement control system, intermediary server, and settlement control method
WO2014032170A1 (en) System, devices and methods for securely exchanging data
KR20130050693A (en) Mobile finance transaction system
KR20190101078A (en) Goods transaction backup system using virtual money
KR20060110711A (en) Mobile phone payment method and system using a phone number and a virtual account for wireless Internet address connection.
KR101274318B1 (en) Payment service provide system and method using the same
KR20190005450A (en) Method for processing delivery order payment, payment terminal and server thereof
KR101227615B1 (en) Agent system for mobile payment
KR20140047370A (en) System and method for providing payment service using otp
KR20130028215A (en) Cash-back system of receiver of home delivery and method thereof
KR20050025762A (en) Apparatus for management payment using short message service, system for payment using payment management apparatus and operating method thereof
KR20110090593A (en) Method for settling in a credit settlement system thereof device

Legal Events

Date Code Title Description
A201 Request for examination
E902 Notification of reason for refusal
E601 Decision to refuse application