KR20130089746A - Payment method using smart device - Google Patents

Abstract

PURPOSE: A payment system using a smart device is provided to safely settle payments online between a seller and a buyer using a mobile device with the consent of the buyer, protect the necessary information for authenticating the buyer from being compromised, and allow everyone who has a mobile device to use the payment system regardless of the specification of the device with a simple authentication process. CONSTITUTION: In a payment server access stage (S100), a security connection is established with a payment server (30). The payment server (30) is request to settle payments by a seller device (10) with a consent of a buyer device (20) in a payment relay stage (S300). The payment relay stage (S300) includes a payment request reception stage (S310) where the payment server receives a request including the seller information, the buyer information including the phone number of the buyer device (20), and the payment information including the amount of the payment from the seller device (10); a buyer device communication stage (S330) where the server communicates with the buyer device (20) using the buyer's phone number in order to obtain the security information required in settling the payments; and a payment request stage (S340) where the payment request of the seller and the payment security information of the buyer are transmitted to the payment server (30) and the payments are settled with the permit of the payment server. [Reference numerals] (10) Seller device; (20) Buyer device; (30) Settlement server; (40) Relaying server; (S100) Security communication establishment; (S210) Application distribution; (S220) Application installation; (S230) Seller device registration request; (S240) Validity check/approval; (S250) Seller device registration; (S311) Product purchase; (S312) Settlement request information input; (S313) Settlement request information transmission; (S320) Seller device verification; (S331) Confirmation information request; (S332) Confirmation information input; (S333) Confirmation information transmission; (S334) Confirmation information check; (S341) Settlement request; (S342) Settlement processing; (S350,S361,S362) Settlement result notification

Description

PAYMENT METHOD USING SMART DEVICES {PAYMENT METHOD USING SMART DEVICE}

In the present invention, when the tangible or intangible goods are traded, payments can be made by using the mobile communication terminals owned by the seller and the buyer. Easy to input the information to be installed on the seller's smart device, but the security information required for the approval of payment processing to enter the buyer's mobile communication terminal payment by using a smart device to securely protect the security information that should not be leaked to others It is about a method.

Recently, due to the inconvenience, strength and risk of theft due to the possession of cash, card payment or micropayment of a mobile carrier is preferred instead of cash payment.

However, when looking at the card payment method, the payment must be made at the place where the merchant's card payment machine is installed, and even if a portable card payment device is used, it is inconvenient to carry and due to the cost burden of using an expensive card payment device. There was a tendency to avoid the use of credit cards.

Moreover, since the card payment machine recognizes the card and communicates with the card company to process the payment immediately, the card payment device does not prevent the damage caused by the use of the lost card. In other words, it is difficult to verify the sign at the time of payment, even if the card is signed when the payment, payment can be made without the card owner's approval.

In addition, when looking at the micropayment method, it is frequently used as an online payment method, but the buyer may have seen the tangible goods directly or received intangible goods (for example, service, delivery, courier service, agency operation, door-to-door sales, etc.). It was hard to use.

In order to solve the problem of the payment method, the prior art of making a card payment or a small payment using a mobile communication terminal carried by a buyer is disclosed in Korean Patent Nos. 10-2011-0053216 and 10-2010-0008537. It became.

However, it is very difficult for all buyers to install an application for inputting purchase information and payment information on their mobile communication terminals, and moreover, it is difficult to recommend the use in the case of the elderly who have difficulty in using such an application.

Therefore, a buyer's point of view is required to pay the input information to be kept secure at the time of payment to others, including the seller, without the risk of leaking, and to allow easy operation at the time of payment.

KR 10-2011-0053216 A 2011.05.19. KR 10-2010-0008537 A 2010.01.26.

Accordingly, an object of the present invention, while the seller and the buyer each use a mobile communication terminal, but securely handle the payment under the approval of the buyer who pays for payment, as well as the seller secure information for the buyer's approval It is safe to protect without leaking to others, and the approval process of the purchaser is made easily, so that any owner of the mobile communication terminal provides a payment method using a smart device that can use this payment method without limiting the performance of the mobile communication terminal.

The present invention for achieving the above object, between the seller terminal 10 consisting of a smartphone or tablet among the mobile communication terminal, the buyer terminal 20 consisting of a mobile communication terminal, and the payment server 30 for processing payment In the payment method using a smart device consisting of a relay server 40 for relaying, The payment server connection step for establishing a secure communication with the payment server 30 (S100); In accordance with the payment request of the seller terminal 10 through the confirmation of the buyer terminal 20, the payment relay step (S300) for requesting a payment to the payment server 30;

The payment relaying step (S300), the payment information received from the seller terminal 10 consisting of seller information, buyer information including the phone number of the buyer terminal 20, payment history information including the amount to be paid, and payment information Request information receiving step (S310); Buyer terminal communication step for receiving payment security information for the payment history by communicating with the purchaser terminal 20 to the phone number included in the payment request information (S330); A payment request step (S340) for transmitting the payment request information of the seller and the payment security information of the buyer to the payment server 30 so as to perform payment processing between the seller and the buyer under the approval of the payment security information. do.

The payment server 30 is made of a mobile communication company server processing a small payment, the payment security information in the buyer terminal communication step (S330) is characterized in that it includes the resident registration number of the buyer.

The payment server 30 is made of a card company server for processing the card payment, characterized in that the payment security information in the buyer terminal communication step (S330) includes the card information of the buyer card.

The payment request information received in the payment request information receiving step (S310) includes an item excluding a password among card information of a buyer card required for card payment, and the payment security information in the buyer terminal communication step (S330) is a buyer card. Characterized in that the password.

The seller terminal 10 has a camera, and the application installed in the seller terminal 10 is characterized in that the card information is recognized in the image of the card photographed with the camera.

After the payment request step (S340), receiving a payment result guide from the payment server 30 (S350); And transmitting the payment result guidance to the seller terminal 10 and the purchaser terminal 20 (S360), respectively.

Between the payment server connection step (S100) and the payment relay step (S300), registering the seller terminal 10 in accordance with the registration request of the seller terminal 10 installed the application for the connection of the relay server 100 Merchant terminal registration step (S200); includes, in the payment relay step (S300), between the payment request information receiving step (S310) and the buyer terminal communication step (S330), the seller terminal (10) for transmitting the payment request information ) Is a seller terminal verification step (S320) of verifying whether the terminal is registered in advance.

The present invention made as described above, by installing a payment application on the terminal of the seller to enter the purchase information and payment details of the product to reduce the information to be entered by the buyer, the buyer only the simple information that should not be leaked Since the input, the security of the information from the buyer's point of view can be easily used, and the buyer's terminal can be used even without installing a separate payment application, so anyone with a mobile terminal can easily use the present invention for payment. You can do

Furthermore, the present invention uses a smart device owned by the merchant registered in the card merchant in place of the card checker in the position of the card company and the card merchant, thereby reducing the cost of the recent reduction in card fees, the advantage of mobility and portability It may be used without restriction on the type of commodity or intangible commodity traded by providing it. In addition, when paying with a card can not pay without the buyer's approval solves the problem caused by the card.

In addition, the present invention has the advantage of ease of use can activate the micropayment method.

1 is a schematic configuration diagram of a payment system for implementing a payment method using a smart device according to an embodiment of the present invention.
2 is a detailed block diagram of a payment system for implementing a payment method using a smart device according to an embodiment of the present invention.
3 is a flow chart of a payment method using a smart device according to an embodiment of the present invention.
Figure 4 is a flowchart of the payment step (S300) in the payment method using a smart device according to an embodiment of the present invention.
5 is a detailed flowchart of a payment method using a smart device according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS In the following description of the present invention, detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

Prior to describing an embodiment of the present invention, the term "payment security information" is information that should not be leaked to others among items inputted to make a payment, for example, a password of a card inputted at the time of card payment. Or an authentication number, a small social security number at the time of small payment, and according to one embodiment described below may include a card number and a card expiration date.

1 and 2 are views showing a payment system for implementing a payment method using a smart device according to an embodiment of the present invention, Figure 1 is a schematic block diagram, Figure 2 is a detailed block diagram.

1 and 2, the payment system relays a product payment between a seller terminal 10 and an owner of a purchaser terminal 20 or a small settlement of a carrier using a mobile communication terminal to pay the payment server 30. It is made of a request relay server 30.

Although not shown in the drawing, the seller terminal 10 and the purchaser terminal 20 communicate with the relay server 30 through a mobile communication network as a mobile communication terminal, and the payment server 30 is operated by a mobile communication company. The card server operated by the payment server or the card company communicates with the relay server 30 through a dedicated network, the Internet network or a mobile communication network.

In addition, the seller terminal 10 is made of a smart device (smartphone or tablet PC) that has been in the spotlight recently in the mobile communication terminal to install and execute an application 11 for requesting a payment by communicating with the relay server 30. In addition, the purchaser terminal 20 may be a smartphone or a tablet PC, but satisfies a general mobile communication terminal capable of data communication.

The application 11 accesses the relay server 30 to register as a member, and inputs payment request information necessary for selling a product to a buyer or for a mobile phone for making a small payment to the buyer terminal 20. As an application for a smart device (smartphone or tablet PC) that performs a procedure for requesting payment to the relay server 30, it is downloaded and installed from an online app store allowed by the smart device.

Here, the 'goods' includes not only tangible goods but also intangible goods (for example, services and delivery). The seller using the seller terminal 10 is not limited to a tangible merchandise seller but may be an intangible merchandise provider on the assumption of a price.

The relay server 40 includes a communication module 41, a registration manager 42, a payment relay 43, and a database 40 to relay the payment.

The communication module 41 is a mobile communication module for communicating with the seller terminal 10 and the purchaser terminal 20 through a mobile communication network, and a security for communicating with the payment server 30 through a dedicated network, an internet network, or a mobile communication network. It includes a communication module.

The registration manager 42 registers and manages the member information of the seller terminal 10 that requests the member registration by installing the application 11. Here, the member information includes the phone number of the seller terminal 10, the owner (or business) information of the seller terminal 10, if the payment method according to the present invention to be validated by the payment server 30 The registration management unit 42 transmits the member information registered from the seller terminal 10 to the payment server 30 to register and manage the payment method according to the present invention only when it is validated and approved. Member information registered in this way is stored in the database (40).

When receiving the payment request information from the seller terminal 10 registered as a member, the payment relay unit 43 and the purchaser terminal 20 to verify whether the received payment request information is actually a product sale by the buyer. Perform a communication check. At this time, the payment relay unit 43 receives the payment security information from the purchaser terminal 20 to determine that the payment request information by the normal product sales, payment processing information and payment processing by the payment security information 30 ). In addition, the payment relay unit 43 receives the guide information on the payment result from the payment server 30 when the payment is completed and the payment processing is completed from the payment server 30, the guide information about the payment result Notify the seller terminal 10 and the buyer terminal 20, respectively. Here, the payment repeater 43 stores and manages the payment relay history according to the payment request by the seller terminal 10 in the database 44.

Meanwhile, data communication between the relay server 40 and the payment server 30 for data communication and payment processing between the seller terminal 10 and the relay server 40 by the application 11 is performed by data encryption communication. In addition, it is preferable that the data communication between the purchaser terminal 20 and the relay server 40 is also performed by data encryption communication.

According to the payment system described above, information necessary for payment processing in the payment server 30 is obtained from the seller terminal 10 and the purchaser terminal 20, respectively. In addition, if the present invention is applied to card payment, the seller can use the smart device in his name as a card check size. In addition, since the seller and the buyer each request a payment using a portable mobile communication terminal, the mobility is guaranteed.

Hereinafter, a payment method using a smart device according to an embodiment of the present invention will be described.

3 to 5 are diagrams for explaining a payment method using a smart device according to an embodiment of the present invention made up of the payment system shown in FIGS. 1 and 2, FIG. 3 is a flowchart of a payment method, and FIG. 4. Is a flowchart of a payment step S300 in the payment method, and FIG. 5 is a detailed flowchart of the payment method.

3 to 5, the payment method using the smart device according to an embodiment of the present invention to the relay server 30 in communication with the seller terminal 10, the buyer terminal 20 and the payment server 30 By payment server access step (S100), the seller terminal registration step (S200) and the payment relay step (300).

The payment server access step (S100) is a step of maintaining communication with the payment server 30 so that secure communication is made under a contracted condition in advance, and each time a payment request is made from the seller terminal 10, the payment server ( 30) to make payment processing. Here, the pre-contracted condition is, for example, a condition that defines a communication security and data format to be used when requesting a payment processing by communication with the payment server 30.

In other words, in the case where the payment server 30 is a server of a card company, in the related art, a card payment device provided at an affiliated store performs a series of payment processes for requesting payment and receiving payment approval by accessing the card company. Since the owner of the merchant uses a portable smart device that is not a card payment machine and is further relayed by the relay server 40, the payment relay is performed in advance in a manner promised with the card company for the payment relay by the relay server 40. It must be done. In addition, when the payment server 30 is a small payment server of a mobile communication company, the purchaser terminal 20 requests a small payment, but according to the present invention, the buyer terminal 20 only checks the payment request. The actual payment request is made by the seller terminal 10, and furthermore, since a small payment request is made by the relay of the relay server 40, the payment relay should be continued in a manner promised in advance with the mobile carrier.

The seller terminal registration step (S200: S210, S220, S230, S240, S250) is a step of registering the seller terminal 10 in accordance with the registration request of the seller terminal 10 installed the application 11, Figure As shown in 5, the relay server 40 (or the operator of the relay server) distributes the application 11 (S210), and the seller who wants to use the payment method according to the present invention can download and install it on his smart device. (S220), after executing the installed application (11) to access the relay server 40 and request member registration (S230), and then the process of registering the smart device of the seller to the seller terminal (10) S250). Here, the relay server 40 receives and stores and manages the smart device to be registered as the member information including the phone number, the login information, and the seller information of the smart device.

On the other hand, prior to registering the member information can be made to be validated by the payment server 30. This is because, in the case where the payment server 30 is a payment server of the card company, it is common to conclude a contract between the seller and the card company to register as a member, and thus the relay server 40 requests the member registration upon request. Member registration information is received only if it is confirmed that the received membership registration information is contracted with the card company operating the payment server 30 is approved. Here, if the approval is not received from the payment server 30, it is good to send the fact that the unauthorized approval to the seller's smart device to take action.

In the payment relay step 300, each time a payment request is received from the seller terminal 10 registered by the member registration, the payment server 30 repeats the payment processing in the payment server 30 after confirmation of the purchaser terminal 20. to be. Accordingly, the payment request information is received from the seller terminal 10 and payment security information is received from the purchaser terminal 20, and the payment server 30 performs payment processing based on the payment request information and payment security information.

This will be described in detail with reference to FIGS. 4 and 5 in the following order.

First, the payment request (S310: S311, S312, S313) by the seller terminal 10 is a situation in which the seller or buyer to pay for the tangible or intangible goods between the seller and the buyer (S311), the seller terminal (10) Is generated by inputting the payment request information by executing the application 11 (S312). Thus, the payment request information input through the application 11 is transmitted to the relay server 40 (S313).

Here, the payment request information includes seller information, buyer information, and payment request details. When the seller information is adopted as described above, the seller information is not included in the payment request information or only includes a predetermined minimum matter, and then the payment server 30 relays the seller information necessary for payment processing. It is also possible to have the server 40 select from the member information and include it in the payment request information received from the seller terminal 10 before transmitting it to the payment server 30.

The buyer information basically includes the telephone number of the buyer terminal 10. The payment request details basically include the amount, but may include other information. That is, if the small payment method is adopted, the payment server 30 can process the payment using the telephone number of the buyer terminal 20, but if the card payment method is adopted, information necessary for the card payment method such as the installment month used by the buyer is provided. It must be included. In addition, the payment request details may include information on the tangible or intangible goods that the seller provides to the buyer.

Next, the relay server 40 receiving the payment request from the seller terminal 10 verifies whether the seller terminal 10 that has made the payment request is a terminal registered as a member in advance (S320). As a result of verification, if it is not the terminal of the registered member, the fact that the seller sends a notice requesting member registration to the terminal 10, and if the terminal of the registered member is correct, the next step is executed. If the present invention does not adopt a membership registration system, such verification of the seller terminal 10 may be omitted.

The relay server 40 receives the payment request details from the purchaser terminal 20 by communicating to the phone number of the purchaser terminal 20 included in the payment request information received when the payment request is completed after the verification (S330: S331). , S332, S333, S334). Checking the payment request history, as shown in Figure 5, the step of transmitting a request to confirm the payment request history to the purchaser terminal 20 (S331), the step of entering the payment security information in the buyer terminal ( S332), the relay server 40 is made to receive the payment security information (S333).

In this case, the above-mentioned guide to confirm the payment details or all of the payment request details selected in advance in the payment request to the buyer terminal 20, and payment security information to be input and transmitted from the buyer terminal 20 Will tell the item.

In addition, the payment security information to be input and transmitted from the purchaser terminal 20 includes payment security information (for example, card information or resident registration number) input by the buyer to be paid when the payment is processed by the payment server 30. Include. As such, the payment security information input from the purchaser terminal 20 includes information that only the buyer who pays for the payment in the card payment or the micropayment should know and not leak to others. In addition, the payment security information may include the information necessary for the recently used public authentication or secure payment method. On the other hand, it is also good to include the item to select the approval / disapproval.

As described above, the relay server 40 receiving the payment security information from the purchaser terminal 20 checks whether the payment security information is normally input (S334). If there is a missing item or an incorrectly input item in the payment security information, information on this is transmitted to the purchaser terminal 20.

Next, as a step of requesting the payment processing (S340: S341, S342), the relay server 40 the payment request information received from the seller terminal 10 and the payment security information received from the buyer terminal 20 payment server In step S341, payment processing is performed (S342).

Here, the payment server 30 regards payment security information as the purchaser's approval and processes payment according to the payment request information. For example, when the payment server 30 is the server of the card company, the payment security information consisting of card information is approved to process the card payment, and if the payment server 30 is a micro payment server of the mobile communication payment security information consisting of the resident registration number. Approved as to process a small payment to the phone number of the buyer terminal 20.

Next, when the relay server 40 is informed from the payment server 30 that the payment processing is completed (S350), the relay server 40 transmits the received information to the seller terminal 10 and the purchaser terminal 20 (S361: S361 and S362). .

Meanwhile, in the above-described embodiment, the card information is input at the purchaser terminal 20 when the card payment is explained. However, only the password of the card is input at the purchaser terminal 20 and the card information is excluded except the password. It is also possible to input from the terminal 10.

Table 1 below shows two embodiments of obtaining card information from the relay server 40.

<Example of Input Method of Card Information>
Receiving terminal Merchant terminal Buyer terminal Example 1 none Card number, expiration date, password Second Embodiment Card number, expiration date password

Here, the first embodiment is a method of inputting all the card information in the buyer terminal 20 as described above.

In the second embodiment, the card information (card number, expiration date) excluding the password is input from the seller terminal 10 to be included in the payment request information so as to be included in the payment request information, and the password is received from the buyer terminal 20. It is to be received as payment security information by inputting from. The second embodiment uses the seller terminal 10 as a card checker, but the payment process is performed only when the buyer inputs the password to the purchaser terminal 20 and transmits it to the relay server 40.

In other words, it is very cumbersome for the buyer to enter the card information in the buyer terminal 20, but it is easy to implement the application 11 of the seller stage 10 so as to easily enter the card information.

On the other hand, the application 11 is preferably configured to extract the card information by recognizing the image of the card, so that the application 11 when the seller terminal 10 is a smart device with a camera ) To record the card with the camera and to recognize the card information from the image of the card obtained by the camera to enter the card information more easily. Here, the recognized card information includes the card number and the expiration date displayed on the card, but the modified information is generated even if the card indicated by the information other than the card number or the expiration date is made and payment processing is performed according to the information. It is possible to sufficiently configure the above-described application 11 to recognize the present invention.

On the other hand, if the seller terminal 10 has a card reader or scanner function, it is preferable to configure the application 11 to recognize the card information in conjunction with the card reader or scanner.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, . &Lt; / RTI &gt; Accordingly, such modifications are deemed to be within the scope of the present invention, and the scope of the present invention should be determined by the following claims.

10: seller terminal 11: application 20: buyer terminal 30: payment server
40: relay server 41: communication module 42: registration management unit 43: payment relay unit
44: Database

Claims (7)

Smart mobile terminal consisting of a relay terminal 40 for relaying between the seller terminal 10 made of a smartphone or tablet, the buyer terminal 20 made of a mobile communication terminal, and the payment server 30 that processes the payment. In the payment method using a device,
A payment server access step (S100) for establishing secure communication with the payment server 30;
A payment relay step (S300) of requesting a payment to the payment server 30 after the confirmation of the buyer terminal 20 according to the payment request of the seller terminal 10;
, &Lt; / RTI &gt;
The payment relay step (S300),
Payment request information receiving step (S310) of receiving payment request information consisting of seller information, buyer information including a phone number of the buyer terminal 20, and payment history information including a payment amount, from the seller terminal 10;
Buyer terminal communication step for receiving payment security information for the payment history by communicating with the purchaser terminal 20 to the phone number included in the payment request information (S330);
A payment request step (S340) of transmitting the payment request information of the seller and the payment security information of the buyer to the payment server 30 to perform a payment settlement process between the seller and the buyer under the approval of the payment security information;
Payment method using a smart device characterized in that it comprises a. The method of claim 1,
The payment server 30 is made of a mobile communication company server processing a small payment,
Payment security information in the buyer terminal communication step (S330) payment method using a smart device, characterized in that it comprises a resident registration number of the buyer. The method of claim 1,
The payment server 30 is made of a card company processing card payments,
Payment security information in the buyer terminal communication step (S330) payment method using a smart device characterized in that it comprises card information. The method of claim 3,
The payment request information received in the payment request information receiving step (S310), the item of the card information of the buyer card required for card payment except the password,
Payment security information in the buyer terminal communication step (S330) payment method using a smart device, characterized in that the password of the buyer card. 5. The method of claim 4,
The seller terminal 10 is provided with a camera,
The application installed in the seller terminal 10, the payment method using a smart device, characterized in that to recognize the card information from the image of the card taken by the camera. The method according to any one of claims 2 to 5,
After the payment request step (S340),
Receiving a payment result guide from the payment server 30 (S350);
Transmitting the payment result guide to the seller terminal 10 and the purchaser terminal 20 (S360);
Payment method using a smart device characterized in that it comprises a. The method according to claim 6,
Between the payment server connection step (S100) and the payment relay step (S300), registering the seller terminal 10 in accordance with the registration request of the seller terminal 10 installed the application for the connection of the relay server 100 Merchant terminal registration step (S200); Includes,
In the payment relay step (S300), between the payment request information receiving step (S310) and the buyer terminal communication step (S330), the seller terminal to verify whether the seller terminal 10 that transmitted the payment request information is a pre-registered terminal Verification step (S320); Payment method using a smart device, characterized in that it comprises.

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