KR20130123900A - System for payment of off-line, method for payment off-line and apparatus in the system - Google Patents

Abstract

The present invention relates to a device and a method for performing offline payment through various payment units by using an authentication pin (PIN) and a payment identifier (ID). Need for the double issue of a mobile credit card is performed through various payment parts with only one applet by storing payment information in a payment performing part by activating a payment applet in a terminal device through a payment application and by performing payment requested to a main payment part mapped with the identifier received from the terminal device when the payment information is transmitted to a payment agency device through an electronic payment device according to a payment request of a user. Financial information is not exposed so that safe payment is performed. [Reference numerals] (510) Communication part;(520) Service join processing part;(530) Payment processing part;(540) Storage part

Description

OFFLINE PAYMENT SYSTEM, METHOD FOR PAYMENT OF OFF-LINE, METHOD FOR PAYMENT OFF-LINE AND APPARATUS IN THE SYSTEM}

The present invention relates to an offline payment system, and more particularly, to a method and apparatus for offline payment through various payment means using a payment identifier (ID) and an authentication pin (PIN) in an offline payment system.

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

Cash, credit or debit cards are used to settle transactions that occur offline. In recent years, the use of credit cards has been recommended as a way to increase transparency in taxation of commercial transactions.

These traditional credit card transaction methods include the hassle of carrying a credit card, the risk of losing a credit card, the risk of credit card information and personal information exposure.

Recently, a mobile credit card that combines a credit card with a mobile is used for payment, and such a conventional mobile credit card is limited to a separate mobile card (jacquard) from the holder of the existing magnetic card (mo card) through the credit card company's customer center and homepage. Will be issued upon application.

However, existing mobile credit cards require complaints such as the loss of a mobile card by a card company when a customer loses a mobile phone, the same process of subscribing to a card re-issuance, and so on. When a mobile phone is lost, Later, the customer can pay for the card in a dongle without a separate authentication procedure, resulting in an anxiety due to the loss of the card and the illegal use of the lost card.

In addition, the mobile credit card is inconvenient to manage the card because the customer must be issued separately issued from the existing credit card owned by the customer. For example, a customer who owns three cards has to deal with the inconvenience of having to manage an additional three cards, and perform procedures for three additional card applications and complex mobile card issuance by each card company. In addition, according to memory constraints such as USIM, the current Combi Yusim has a problem that only about six cards can be installed.

The present invention can be used for transactions using a credit card without having a credit card for offline transaction settlement, and offline payment in an offline payment system using various payment methods (phone bill, account transfer, cashback, etc.) in addition to the credit card. It is an object of the present invention to provide a method and apparatus.

Another object of the present invention is to provide a method and apparatus for offline payment in an offline payment system that performs payment authentication using a payment ID (Virtual Card) and an authentication pin (PIN) for secure and reliable payment. do.

In addition, the present invention is a method for offline payment in the offline payment system for performing a secure payment through the applet lock (Lock) / unlock (Unlock) function so that payment is performed after authentication only at the moment of payment, and payment is not normally. And an apparatus.

The offline payment system according to the present invention includes a terminal device for activating a payment applet through a payment application, transmitting stored payment information through a payment applet according to a user's payment request, and locking the payment applet when the payment is completed; When the payment execution unit of the terminal device is tagged, the electronic payment device for receiving payment information from the terminal device to request payment for the transaction using the received payment information; And registering one or more payment methods included in the payment information transmitted from the terminal device according to the offline payment service subscription request, managing the designated primary payment method by mapping the payment identifier assigned to the terminal device, and when the offline payment service subscription is completed. And a payment agent device which transmits the payment identifier to the terminal device and performs the requested payment to the main payment means mapped to the payment identifier received from the terminal device when the payment request is made.

The terminal device for offline payment in the offline payment system according to the present invention runs a payment application for offline payment, requests a payment agent to subscribe to an offline payment service for offline payment, and when the service subscription is completed, payment A payment controller configured to receive a payment identifier from the substitute device and to transmit payment information including the payment identification and at least one electronic payment means to the electronic payment device when the payment request for the transaction is received from the user; When the payment applet is installed, the payment applet is activated by the payment application, and the electronic applet is tagged to the electronic payment device connected to the communication network, the payment information including the payment identifier and at least one payment method is controlled by the payment control unit. Payment execution unit for transmitting to; And a communication unit configured to communicate with a payment agent device and an electronic payment device connected through a communication network.

In the terminal device for offline payment in the offline payment system according to the present invention, the payment control unit designates a main payment method to be used for payment in the payment agent device among one or more payment means and transmits it to the payment agent device.

In the terminal device for offline payment in the offline payment system according to the present invention, the payment control unit stores the payment identifier received from the payment agent device along with the personal identification information and one or more payment means information as payment information to the payment execution unit. do.

In the terminal device for offline payment in the offline payment system according to the present invention, the payment execution unit locks the payment applet according to the operation of the payment application when the requested payment is completed.

The payment agent for offline payment in the offline payment system according to the present invention transmits / receives a message for subscribing to an offline payment service with a terminal device through a communication network, and transmits a message to a terminal device and a payment request through an electronic payment device connected to the communication network. Communication unit for transmitting and receiving a message; A service subscription processing unit that registers one or more payment means included in the payment information transmitted from the terminal device when receiving a request for subscription to the offline payment service from the terminal device, and provides a payment identifier to the terminal device when accepting the offline payment service subscription; And when the terminal device activates the payment applet through the payment application to transmit the payment information to the electronic payment device, when the terminal device receives the payment request using the payment information from the electronic payment device, the requested payment is performed using the payment information. When the received payment is completed, the payment processing unit for providing the payment result information to the terminal device through the communication unit.

The offline payment method in the offline payment system according to the present invention includes the steps of, by a terminal device, requesting subscription to an offline payment service by transmitting payment information to a payment agent connected to a communication network; Accepting the offline payment service subscription by registering one or more payment means included in the payment information transmitted from the terminal device according to the offline payment service subscription request; If the payment agent device accepts the offline payment service subscription, providing a payment identifier to the terminal device; Storing, by the terminal device, the payment identifier as payment information and activating a payment applet through the payment application; When the payment request is made, transmitting, by the terminal device, the payment information to the electronic payment device so that the electronic payment device connected to the communication network makes a payment request to the payment agent device; When the payment agent device receives the payment information from the electronic payment device, performing the requested payment, and if the payment agent device completes the requested payment, transmitting the payment result information to the terminal device.

In the offline payment method in the offline payment system according to the present invention, the payment agent device further comprises the step of managing by mapping the main payment means specified in the terminal device with the payment identifier assigned to the terminal device, the terminal device at the time of payment request Perform the requested payment with the primary payment method mapped to the payment identifier received from the.

An offline payment method in a terminal device according to the present invention includes: subscribing an offline payment service to a payment agent connected to a communication network; Activating a payment applet through a payment application; Storing the payment identifier and one or more payment means received from the payment agent device as payment information when the offline payment service subscription is completed; When the payment request is made, transmitting payment information to the electronic payment device so that the electronic payment device connected to the communication network requests the payment to the payment agent device; And when the payment is completed from the payment agent device, receiving the payment result information from the payment agent device.

In the offline payment method in the terminal device according to the present invention, when the payment is completed, the method further comprises the step of locking the payment applet through the payment application.

In the offline payment method of the terminal device according to the present invention, the step of transmitting the payment information to the electronic payment device to the electronic payment device connected to the communication network to make a payment request to the payment agent device, when the payment request, the individual from the user Receiving identification information; Comparing input personal identification information with stored personal identification information; If the input personal identification information matches the stored personal identification information, selecting a primary payment method from the at least one payment means; And including the payment identifier and the selected main payment means in the payment information and transmitting the same to the electronic payment device.

In the offline payment method in the terminal device according to the present invention, the step of performing the offline payment service subscription to the payment agent device connected to the communication network, driving the payment application; Transmitting payment information including payment information to the payment agent device through the payment application, the personal identification information and one or more payment means information; And receiving a payment identifier from the payment agent device.

The present invention can perform payment through various payment methods with only one applet while maintaining the existing card number system at the time of offline payment, and do not need to issue a double mobile credit card, and offline without having a credit card. There is an effect that can securely settle the transaction occurred.

In addition, the present invention can provide a secure offline payment service because it locks the payment execution unit at ordinary times, and activates the payment execution unit only at the time of payment to prevent damage caused by payment by another user even when the terminal device is lost or left. It can be effective.

In addition, since the financial information is not exposed by using the payment identifier and the personal identification information (authentication PIN), the present invention can more safely perform offline card payment.

1 is a diagram showing the configuration of an offline payment system according to an embodiment of the present invention.
2 is a diagram illustrating a configuration of a mobile device for offline payment in an offline payment system according to an embodiment of the present invention.
3 is a diagram illustrating a configuration of a payment agent device for offline payment in an offline payment system according to an embodiment of the present invention.
4 is a diagram illustrating an offline payment method in an offline payment system according to an embodiment of the present invention.
5 is a diagram illustrating a method for offline payment in a terminal device of an offline payment system according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description and the accompanying drawings, detailed description of well-known functions or constructions that may obscure the subject matter of the present invention will be omitted. It should be noted that the same constituent elements are denoted by the same reference numerals as possible throughout the drawings.

The terms or words used in the specification and claims described below should not be construed as being limited to ordinary or dictionary meanings, and the inventors are appropriate as concepts of terms for explaining their own invention in the best way. It should be interpreted as meanings and concepts in accordance with the technical spirit of the present invention based on the principle that it can be defined. Therefore, the embodiments described in the present specification and the configurations shown in the drawings are merely the most preferred embodiments of the present invention, and not all of the technical ideas of the present invention are described. Therefore, It is to be understood that equivalents and modifications are possible.

First, an offline payment system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram showing the configuration of an offline payment system according to an embodiment of the present invention.

Referring to FIG. 1, the offline payment system includes a terminal device 100, an electronic payment service management device 200, an electronic payment device 300, an authentication device 400, and a payment agent device 500 connected through a communication network 700. ) And the financial / communication server device 600.

The terminal device 100 is a terminal capable of transmitting and receiving various data via the communication network 700 according to a key operation of a user. The terminal device 100 includes a tablet PC, a laptop, a personal computer ), A smart phone, a personal digital assistant (PDA), and a mobile communication terminal.

In addition, the terminal device 100 is a terminal for performing voice or data communication using the communication network 700, and stores a browser, a program, and a protocol for communicating with the payment agent device 500 via the communication network 700. Means a terminal having a memory, a microprocessor for operating and controlling various programs. That is, the terminal device 100 may be any terminal as long as the payment agent device 500 and the server-client communication are possible, and a broad concept including all communication computing devices such as a notebook computer, a mobile communication terminal, and a PDA. Meanwhile, the terminal device 100 is preferably manufactured with a touch screen, but is not limited thereto.

The payment application may be installed in the terminal device 100. The payment application may be obtained from the electronic payment service management apparatus 200 or an application providing server (not shown). The payment application may be an application installed after being downloaded through an application store when the terminal 100 is a smart phone, or an application that is run on a downloaded virtual machine (VM) when the terminal 100 is a feature phone. Can be.

In particular, in the embodiment of the present invention, the terminal device 100 requests an offline payment service subscription to the payment agent device 500 in association with the payment agent device 500, and subscribes to the offline payment service subscription from the payment agent device 500. According to the payment identifier (ID) (for example, receive and store a virtual card (Virtual Card), register various payment methods when subscribing to the offline payment service, and specify the primary payment method to register with the payment agent device 500 do.

In addition, the terminal device 100 executes a payment application to receive a personal identification information (Personal Identification Number (PIN)) from the user and compares the previously stored personal identification information to make a payment request. In response to the user's offline payment request, the payment information including the payment identifier, the personal identification information, and the main payment method information is transmitted to the payment agency device 500 through the electronic payment device 300 and the authentication device 400, and then offline payment is made. Make a request. A detailed description of the terminal device 100 will be described later.

An electronic payment service manager (TSM) 200 implements a lifecycle management including application, issuance, and suspension of a mobile credit card, and supports service provider accounts and mobile terminal management. The electronic payment service management apparatus 200 requests key information of a secure element of the terminal apparatus 100 and mutual information of the terminal apparatus 100 for mutual authentication when inquiring information about an applet in the terminal apparatus 100. And create an Application Protocol Data Unit (APDU) to lock / unlock the payment applet. Here, the secure element may include a USIM, an NFC chip, and a micro SD card.

The electronic payment device 300 is interlocked with the terminal device 100 for offline payment using a mobile, such as a dongle / POS installed in a store (member). When the electronic payment device 300 receives the payment request by receiving the payment information (payment identifier, personal identification information, payment means information, etc.) from the terminal device 100, the product transaction is performed according to the payment information received from the terminal device 100. Generates information information and transmits the generated product transaction information to the authentication device 400 together with the payment information. The commodity transaction information may include commodity information, merchant information, terminal information, installment information, payment amount, and the like.

The authentication device 400 receives the authentication payment information according to the authentication request from the electronic payment device 300, authenticates the received authentication payment information, and if the information is legitimate information, makes the offline payment request to the payment agent device 500.

The payment agent device 500 receives authentication payment information from the authentication device 400 and requests payment approval from the financial / communication server 600 by the designated payment means included in the received authentication payment information.

In addition, the payment agent 500 does not have the financial information of the customer, performs the offline payment service subscription according to the offline payment service subscription request of the terminal device 100, and provides a payment identifier to the terminal device 100 , Maps and manages unique customer number and payment identifier provided by member. At this time, the payment agent device 500 may register the payment means (card, bank transfer, phone bill, one or more of the points) specified in the terminal device 100, register personal identification information (authentication PIN), and at the time of payment The personal identification information transmitted from the terminal device 100 is compared with the registered personal identification information and verified.

The financial / communication server device 600 is a device for managing a financial or telecommunication company member database, performing financial or telecommunication company member authentication, and performing an actual payment.

In addition, the financial / communication server device 600 stores payment means information such as actual card, account information, phone information, and point card information mapped to the customer's payment identifier, and upon request for payment approval from the payment agent device 500. Payment can be approved with actual payment information mapped to payment method information.

The communication network 700 refers to a network capable of transmitting and receiving data using 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 700 is combined with the electronic payment device 200 to store computing resources such as hardware and software. Such a communication network 700 is not only a closed network such as a local area network (LAN), a wide area network (WAN), an open network such as the Internet, but also code division multiple access (CDMA) and wideband code division (WCDMA). It is a concept that collectively refers to networks such as Multiple Access (GSM), Global System for Mobile Communications (GSM), Long Term Evolution (LTE), and Evolved Packet Core (EPC), as well as next-generation networks and computing networks to be implemented.

The configuration of the terminal device 100 according to an embodiment of the present invention will be described in detail with reference to FIG. 2 attached to the configured offline payment system.

The terminal device 100 may include a payment control unit 110, a payment execution unit 120, an input unit 130, a communication unit 140, a storage unit 150, and an output unit 160.

The payment control unit 110 installs a payment application to process an offline payment through a payment application, interworks with a payment agent device 500, delivers payment information to the payment agent device 500, and requests an offline payment service subscription. In addition, the payment agent 500 receives the payment identifier (ID) according to the offline payment service subscription from the payment agent 500 and stores it in the payment execution unit 120. At this time, the payment control unit 110 generates the personal identification information (authentication PIN) and transmits the personal identification information generated when the offline payment service subscription request to the payment agent 500. Here, personal identification information (authentication PIN) can be provided in various ways, and can be generated by hash value or one-time password method (OTP) through numbers, signatures, advisories, one-time authentication number generators, and the like.

In addition, the payment control unit 110 registers various payment methods (credit card, bank transfer, phone bill, points, etc.) in the payment agent device 500 when the offline payment service subscription request is made, and the main payment method. Specify and transmit the information on the designated primary payment method to the payment agent 500. The information about the main payment means thus transmitted is mapped to a payment identifier ID and managed by the payment agent device 500.

When the offline payment service subscription is completed, the payment control unit 110 transmits and stores a payment identifier (ID), personal identification information (authentication PIN), and a main payment method to the payment request unit 120.

The payment control unit 110 executes the payment application to receive the personal identification information and checks the received personal identification information by comparing the personal identification information (authentication PIN value) stored in the payment execution unit 120. That is, the number, fingerprint recognition, and signature value are extracted and compared with the values stored in the payment execution unit 220 to make a payment request only for the verified user.

Meanwhile, the payment control unit 110 controls the payment applet of the payment execution unit 120 to be activated only for the authenticated user when the payment application is driven. If the payment application is not driven, the payment lock / Through the release function, the payment applet of the payment execution unit 120 is controlled to be inactive so that payment is not normally performed.

The payment execution unit 120 includes a payment applet in the form of a Java application that can view an offline payment execution result through a web browser, and stores a payment identifier, an authentication value, payment method information, etc. received from the payment control unit 110. do.

In addition, the payment execution unit 120 receives the key of the secure element from the electronic payment service management device 200 in conjunction with the electronic payment service management device 200, and when the payment lock is released from the payment control unit 110, The applet program is driven through the key of the secure element, and the payment information is transmitted to the electronic payment device 300. In this case, the transmitted payment information may include a payment identifier, personal identification information, payment means information, and the like.

The input unit 130 may generate a user input signal or an electronic tag signal corresponding to a user's request or information according to a user's operation, and may be implemented by various input means that are currently commercialized or may be commercialized in the future. In addition to general input devices such as a keyboard, a mouse, a joystick, a touch screen, a touch pad, and the like, a gesture input means for detecting a user's motion and generating a specific input signal may be included.

The communication unit 140 communicates with the electronic payment device 300 and the payment agent device 500 through the communication network 700, and communicates with the electronic payment service management device 200 from the electronic payment service management device 200. The key of the secure element is received and transmitted to the payment control unit 110. The communication unit 140 may transmit and receive data through various communication methods as well as wired and wireless methods. In addition, the communication unit 140 may transmit and receive data using one or more communication methods, and the communication unit 140 may include a plurality of communication modules that transmit and receive data according to different communication methods, respectively.

The storage unit 150 stores programs and data necessary for offline payment in the terminal device 100, and stores information on a payment application for offline payment. The storage unit 150 may be an optical storage medium such as a magnetic medium such as a hard disk, a floppy disk, and a magnetic tape, a compact disk read only memory (CD-ROM), or a digital video disk (DVD) A magneto-optical medium such as a floppy disk and a ROM, a random access memory (RAM), and a flash memory.

The output unit 160 is a means for providing the user to recognize the operation result or state of the terminal device 100. For example, the output unit 160 includes a display unit for visually outputting through a screen or a speaker for outputting an audible sound. can do. In particular, in the present invention, a screen for inducing input of personal identification information in the terminal device 100 may be displayed. Here, the personal identification information may be a number, a letter PIN, or a combination thereof.

Next, the configuration of the payment agent 500 according to the embodiment of the present invention will be described in detail with reference to FIG. 3 attached to the offline payment system.

The payment agent apparatus 500 may include a communication unit 510, a service subscription processing unit 520, a payment processing unit 530, and a storage unit 540.

The communication unit 510 interworks with the terminal device 100, the electronic payment device 300, the authentication device 400, and the financial / communication server 600 through a communication network, and subscribes to an offline payment service with the terminal device 100. The service subscription request message is received, and the service subscription request response message including the service subscription processing result information of the service subscription processing unit 520 is transmitted to the terminal device 100. In addition, the communication unit 510 receives a payment request message from the electronic payment device 300 through the authentication device 400 and electronically charges an approval result message including the approval result information according to the processing result of the payment processing unit 530. If the payment is successful, the payment result information message including the payment result information is transmitted to the terminal device 100.

The service subscription processing unit 520 performs the service subscription processing according to the offline payment service subscription request from the terminal device 100 transmitted from the communication unit 510 since the payment agent 500 does not have the financial information of the customer.

After confirming the payment method of the financial / communication server 600 through the communication unit 510, the service subscription processing unit 520 assigns a payment identifier to the terminal device 100, and processing result information on the offline payment service subscription request and The payment identifier is included in the service subscription request message and controlled to be transmitted to the terminal device 100 through the communication unit 510.

The service subscription processing unit 520 may register a payment method (card, account transfer, phone bill, or one or more points) designated by the terminal device 100, register personal identification information (authentication PIN), and upon payment, the terminal device. The personal identification information transmitted at 100 is compared with the registered personal identification information and verified.

When the electronic payment device 300 makes a payment request through the authentication device 400, the payment processing unit 530 performs the requested payment using the payment information included in the payment request message received through the communication unit 510. Control the transmission of the approval request message including the payment information to the financial / communication server 600 through the communication unit 510 and receive the approval result from the financial / communication server 600 to receive the received approval result information. Included in the transmission message is controlled to transmit to the electronic payment device through the communication unit 510.

In addition, when the payment is completed, the payment processing unit 530 provides the processed payment result information to the terminal device 100.

The storage unit 540 stores information necessary for offline payment service subscription processing and payment processing, and in particular, maps a unique customer number and a payment identifier provided to the terminal device 100 (member) together with subscription information. Manage. The storage unit 150 may be an optical storage medium such as a magnetic medium such as a hard disk, a floppy disk, and a magnetic tape, a compact disk read only memory (CD-ROM), or a digital video disk (DVD) A magneto-optical medium such as a floppy disk and a ROM, a random access memory (RAM), and a flash memory.

Then, the offline payment method in the offline payment system configured as described above will be described in detail with reference to the accompanying drawings.

4 is a diagram illustrating an offline payment method in an offline payment system according to an embodiment of the present invention.

Referring to FIG. 4, in step 1101, the terminal device 100 transmits a service subscription request message for subscribing to an offline payment service to the payment agent device 500. In this case, the service subscription request message may include payment information such as personal identification information (authentication PIN), various payment method information, and user-specified main payment method information.

Then, in step 1102, the payment agent device 500 transmits and receives a payment method confirmation message to the financial / communication server device 600 to confirm whether the actual payment method information managed by the financial / communication server device 600 is a valid payment method. Receive. Such payment method confirmation can be compared with the payment method set when the subscription to the financial / communication server device 600 compared with the various payment methods received, or can be confirmed through personal identification information (authentication PIN), based on the terminal certificate It can be verified by the authentication and public key method of.

Accordingly, when the primary payment method received is a legitimate payment method, in step 1103, the payment agent device 500 registers personal identification information and various payment methods included in the received service subscription request message, and then, in the terminal device 100, It registers the designated payment method, assigns a payment identifier for the user who has subscribed to the offline payment service, and transmits a service subscription request response message including the assigned payment identifier to the terminal device 100.

When the service subscription request response message is received from the payment agent device 500 and the offline payment service subscription is completed, the terminal device 100 downloads the payment applet through the electronic payment service management device 200 in step 1104. Install at 120 and request key information of the secure element.

In step 1105, the terminal device 100 receives the key information of the secure element from the electronic payment service management apparatus 200, performs subscriber authentication through the key value included in the key information of the received secure element, applet information Query to run the payment applet through the retrieved applet information. In this case, the payment control unit 110 of the terminal device 100 stores the payment information such as payment identifier, personal identification information, main payment means information, etc. in the payment execution unit 120 by driving the payment application.

When the user tags the terminal device 100 to purchase a product and requests a payment for a product transaction, in step 1106, the terminal device 100 activates a payment applet to execute a service for offline payment in a web browser, and makes a payment. The payment information transmission message is transmitted to the electronic payment device 300 through the execution unit 120. Here, the payment information transmission message may include payment information such as payment identifier, personal identification information, and main payment means information.

Accordingly, in step 1107, the electronic payment device 300 generates product transaction information such as product name, merchant information, terminal information, installment information, and payment amount information according to offline payment through payment information received from the terminal device 100. The payment request message including the generated product transaction information and the payment information received from the terminal device 100 is transmitted to the authentication device 400.

Then, in step 1108, the authentication device 400 authenticates the payment identifier included in the received payment request message. If the authentication is successful, the authentication device 400 transmits a payment request message including the verified payment information to the payment agent device 500.

Accordingly, in order to confirm the validity of the requested product purchase transaction, the payment agent apparatus 500 compares the received personal identifier information with the registered personal identifier information and verifies that it is valid, and the requested payment identifier and the pre-registered main payment means. Map information.

Thereafter, in step 1109, the payment agent apparatus 500 transmits an approval request message for the payment for the purchase of the product, which is requested to the financial / communication server device 600. Here, the approval request message includes payment information that maps payment identifier and main payment method information.

Accordingly, in step 1110, when the financial / communication server device 600 receives the approval request message, the financial / communication server device 600 accepts the payment approval for the product purchase transaction as the actual payment method for the mapped payment information, and includes the approval result information. The result transmission message is transmitted to the payment agent 500.

In operation 1111, the payment agent device 500 transmits the received approval result message to the electronic payment device 300.

Then, in step 1112, the payment agent device 500 transmits a payment result information transmission message including the result information of the product purchase payment, such as a receipt, to the terminal device 100.

A method for offline payment in the terminal device 100 based on the offline payment method in the offline payment system as described above will be described in detail with reference to the accompanying drawings.

5 is a diagram illustrating an offline payment method in an offline payment system according to an embodiment of the present invention.

Referring to FIG. 5, in step 1201, the terminal device 100 downloads and installs a payment application for offline payment, and performs an offline payment service subscription by interworking with a payment agent device 500 through the payment application. In this case, the terminal device 100 transmits and registers personal identification information (authentication PIN), various payment means information, and main payment means information to the payment agent 500, and receives a payment identifier from the payment agent 500. .

In step 1202, the terminal device 100 receives the key of the secure element from the electronic payment service management device 200, downloads the payment applet and installs it in the payment execution unit 120, and after the key authentication of the received secure element payment Run the applet.

In operation 1203, the payment control unit 110 of the terminal device 100 stores the payment identifier, the personal identification information, and the main payment means information in the payment execution unit 120.

In step 1204, the terminal device 100 checks whether there is a product purchase transaction request from the user, that is, whether the payment applet is tagged in the electronic payment device 300. As a result of the check, if there is no product transaction request, it continues to wait for a product purchase transaction request.

On the other hand, if there is a product transaction request, the terminal device 100 receives terminal information such as a key of a secure element in step 1205 to perform subscriber authentication, and in step 1206, personal identification information (authentication PIN) from the user. Get input.

Accordingly, in step 1207, the terminal device 100 checks whether the input personal identification information (authentication PIN) and the personal identification information (authentication PIN) stored in the payment execution unit 120 match.

As a result of the check, if the authentication PIN matches, in step 1028, the terminal device 100 unlocks the payment execution unit 120 through the payment application to activate the payment applet.

In step 1209, the terminal device 100 selects or changes the main payment method, and transmits payment information such as main payment method information, payment identifier, and personal identification information to the electronic payment device 300 in step 1210. Accordingly, the electronic payment device 300 makes a payment request for the transaction of goods purchased by the user through the authentication device 400 to the payment agent device 500, and the payment agent device 500 provides financial / communication according to the payment request. The payment is processed with the approval of the server device 600.

In operation 1211, the terminal device 100 receives payment result information processed by the payment agent device 500 and displays the received payment result information on the screen of the output unit 160 so as to confirm the user.

When the payment process is completed, the terminal device 100 terminates the payment application in step 1212 and locks the payment applet. Since the payment applet installed in the payment execution unit 120 is locked / unlocked by the payment application, it may be automatically switched to the lock when the payment application is terminated. As the payment applet is locked, payment is not possible in normal times.

Program instructions to be recorded may be those specially designed and constructed for the present invention or may be available to those skilled in the art of computer software. For example, the recording medium may be an optical recording medium such as a magnetic medium such as a hard disk, a floppy disk and a magnetic tape, a compact disk read only memory (CD-ROM), a digital video disk (DVD) Includes a hardware device that is specially configured to store and execute program instructions such as a magneto-optical medium such as a floppy disk and a ROM, a random access memory (RAM), a flash memory, do. Examples of program instructions may include machine language code such as those generated by a compiler, as well as high-level language code that may be executed by a computer using an interpreter or the like. Such a hardware device may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

It should be noted that the embodiments of the present invention disclosed in the present specification and drawings are only illustrative of specific examples for the purpose of understanding and are not intended to limit the scope of the present invention. It will be apparent to those skilled in the art that other modifications based on the technical idea of the present invention are possible in addition to the embodiments disclosed herein.

The present invention relates to a method and apparatus for performing offline payment through various payment methods using a payment identifier (ID) and an authentication pin (PIN) in an offline payment system, while maintaining an existing card number system during offline payment. With only one applet, payment can be made through various payment methods, and there is no need to double issue a mobile credit card, and it is possible to securely perform transactions for offline transactions without having a credit card.

The present invention is applied to the field of electronic payment using credit card information, which is a useful invention for generating an effect of performing electronic payment more securely when offline transaction settlement, thereby contributing to the development of the service industry. .

100: terminal device 110: payment control unit
120: payment execution unit 130: input unit
140: communication unit 150: storage unit
160: output unit 200: electronic payment service management device
300: electronic payment device 400: authentication device
500: payment agent 510: communication unit
520: service subscription processing unit 530: payment processing unit
540: storage unit 600: financial / communication server device

Claims (12)

A terminal device for activating a payment applet through a payment application, transmitting stored payment information through a payment applet according to a user's payment request, and locking the payment applet when a payment is completed;
An electronic payment device for receiving payment information from the terminal device and requesting payment for a corresponding transaction using the received payment information when the payment execution unit of the terminal device is tagged; And
Register one or more payment means included in payment information transmitted from the terminal device according to an offline payment service subscription request, manage the designated primary payment means by mapping with the payment identifier assigned to the terminal device, and subscribe to the offline payment service subscription. When the payment is completed, the payment identifier is transmitted to the terminal device, and the payment agent comprises a payment agent for performing the requested payment to the main payment means mapped to the payment identifier received from the terminal device when the payment request. system. By operating a payment application for offline payment, requesting the payment agent device to subscribe to the offline payment service for offline payment, and when the service subscription is completed, a payment identifier is provided from the payment agent device, and a payment request for a transaction is received from the user. A payment control unit for controlling to transmit the payment information including the payment identifier and one or more payment means to the electronic payment device when receiving;
When a payment applet is installed, the payment applet is activated by the payment application, and the electronic applet is tagged to an electronic payment device connected to a communication network, payment including the payment identifier and one or more payment means under the control of the payment control unit. A payment execution unit for transmitting information to the electronic payment device; And
A communication unit configured to communicate with the payment agent device and the electronic payment device connected through a communication network;
Terminal device for offline payment in the offline payment system comprising a. The method of claim 2, wherein the payment control unit,
The terminal device for offline payment in the offline payment system, characterized in that the one or more payment means to specify the primary payment method to be used for payment in the payment agent device to the payment agent device. The method of claim 2, wherein the payment control unit,
And storing the payment identifier received from the payment agent device together with the personal identification information and the one or more payment means information as the payment information to the payment execution unit in the payment execution unit. The method of claim 2, wherein the payment execution unit,
When the requested payment is completed, the terminal device for offline payment in the offline payment system, characterized in that to lock the payment applet according to the operation of the payment application. A communication unit which transmits and receives a message for subscribing to an offline payment service with a terminal device through a communication network, and transmits and receives a message for a payment request with the terminal device through an electronic payment device connected to the communication network;
Upon receiving a request for subscription to the offline payment service from the terminal device, register one or more payment means included in payment information from the terminal device, and provide a payment identifier to the terminal device when accepting the offline payment service subscription. A service subscription processing unit; And
As the terminal device activates a payment applet through a payment application to transmit payment information to the electronic payment device, when the payment request is received from the electronic payment device using the payment information, the requested payment is performed using the payment information. A payment processing unit for providing payment result information to the terminal device through the communication unit when the requested payment is completed;
Payment agency device for offline payment in the offline payment system comprising a. Requesting, by the terminal device, to subscribe to an offline payment service by transmitting payment information to a payment agent connected to a communication network;
Accepting, by the payment agent device, the offline payment service subscription by registering one or more payment means included in payment information transmitted from the terminal device according to the offline payment service subscription request;
Providing, by the payment agent device, a payment identifier to the terminal device when accepting the offline payment service subscription;
Storing, by the terminal device, the payment identifier as payment information and activating a payment applet through a payment application;
Transmitting, by the terminal device, the payment information to the electronic payment device so that an electronic payment device connected to a communication network makes a payment request to the payment proxy device when the payment request is made;
When the payment agent device receives the payment information from the electronic payment device, performing the requested payment; And
Transmitting, by the payment agent device, payment result information to the terminal device when the requested payment is completed;
Offline payment method in an offline payment system comprising a. The method of claim 7, wherein
And performing, by the payment agent device, mapping and managing a main payment means designated by the terminal device to the payment identifier assigned to the terminal device.
The payment method in the offline payment system, characterized in that for performing the requested payment to the main payment means mapped to the payment identifier received from the terminal device when the payment request. Performing an offline payment service subscription to a payment agent connected to a communication network;
Activating a payment applet through a payment application;
Storing, as payment information, a payment identifier and one or more payment means received from the payment agency device when the offline payment service subscription is completed; And
When the payment request is made, transmitting the payment information to the electronic payment device so that the electronic payment device connected to the communication network makes a payment request to the payment agent device;
Receiving payment result information from the payment agent device when the payment is completed from the payment agent device;
Offline payment method in the terminal device comprising a. 10. The method of claim 9,
Locking the payment applet through the payment application when the payment is completed;
Offline payment method in the terminal device characterized in that it further comprises. The method of claim 9, wherein the transmitting of the payment information to the electronic payment device to request an electronic payment device connected to the communication network to request the payment agent,
Receiving personal identification information from a user when the payment request is made;
Comparing input personal identification information with stored personal identification information;
If the input personal identification information matches the stored personal identification information, selecting a primary payment method from the one or more payment means; And
And transmitting the payment identifier and the selected main payment means to payment information to the electronic payment device. The method of claim 9, wherein the performing of the offline payment service subscription to the payment agent connected to the communication network comprises:
Driving the payment application;
Transmitting payment information including payment information to the payment agent device through the payment application, the personal identification information and one or more payment means information; And
Receiving the payment identifier from the payment agent device;
Offline payment method in the terminal device comprising a.

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