KR20140011975A - Digital system for card settlement by tagging, settlment side system and providing method thereof - Google Patents

Abstract

Disclosed are a digital system for credit card payment through tagging, a payment side system and a providing method thereof. The method for providing a digital system for credit card payment through tagging includes: a step in which the digital system receives payment related information of a payment side system when payment request including identification information of the digital system is inputted; a tagging step in which the digital system receiving the payment related information performs tagging with a card; and a confirmation signal transmission step in which the digital system transmits a confirmation signal to the payment side system only when the tagging step is performed. A payment approval process in which credit card payment corresponding to the payment related information as using the card tagged with the digital system as a payment unit is performed, only when the confirmation signal is transmitted to the payment side system and card identification information of the card tagged with the digital system is stored in the payment side system in advance. [Reference numerals] (312) Payment terminal (POS,....); (321) Card company system; (322) VAN system; (AA) Card payment

Description

Digital system for card settlement through tagging, payment side system and providing method thereof {Digital system for card settlement by tagging, settlment side system and providing method

The present invention relates to a digital system for card payment through tagging, a payment system, and a method of providing the same. More specifically, a user who wants to perform card payment occupies both the card and the digital system for payment. The present invention relates to a system and a method of providing the same, which can perform card payment simply without having to take out a card from a wallet or a pocket while enhancing security by enabling payment to be made.

The present invention also relates to a card payment system and a method of providing the same, which can solve the inconvenience of having to input card information and security anxiety due to exposure of card information.

Background of the Invention The background of the present invention may be a payment related technology using a mobile phone and a wireless communication technology such as NFC.

Many digital systems (e.g., PCs, tablets, navigation, music players, cameras, automotive digital systems, etc.) have been widely used due to the development of information and communication technologies. In particular, as IT technology advances, digital systems are becoming smaller and convergent. For example, a mobile communication terminal (e.g., a mobile phone, a tablet PC, etc.) performs various functions such as a camera, an information storage device, a banking (payment, transfer) function as well as an original communication function. At the same time, the devices are miniaturized to a size sufficient for users to carry through such as integration of devices.

With the convergence of various functions, digital systems not only provide convenience to users but also become an important means of influencing users' lives. In addition, due to the miniaturization of digital systems, portability is becoming higher and more expensive, the damage caused by the loss or theft of the digital system is serious, and the burden of lost or stolen is increasing.

In particular, recent digital systems such as smart phones are implemented so as to independently perform financial transactions, and there is a concern that users may suffer enormous damage when such digital systems are lost or stolen.

On the other hand, various techniques have been known for increasing the convenience and efficiency of card payment. For example, a method of allowing payment to be made to a card corresponding to the mobile phone number is known by inputting only a mobile phone number without a card.

Such an example is disclosed in Korean patent application (Application No. 10-2000-0031640, "Payment method using mobile phone number"), Korean patent application (Application No. 10-2008-0133237, "Mobile card payment system and mobile card payment Service method "), Korean patent application (Application No. 10-2008-0112238," Mobile card payment system using telephone number, mobile payment service method using the same ").

Such a conventional method has an advantage that payment can be conveniently performed only if the mobile phone is possessed without having a card. However, there is a problem that security is very low due to such convenience. For example, when a mobile phone is lost or stolen, the mobile phone number can be exposed to any number, and there is a risk that another person can perform a card payment. This risk still exists even when a password for payment is required. This is because the exposure of the password is easily exposed by malicious attack or acquaintance of the user. As a result, in the conventional method, if a fraudulent user who knows the payment password occupies the user's mobile phone even for a while, there is a risk that the fraudulent payment will occur at any time.

In addition, the conventional payment method that takes place in the possession of the card is a way to enter the card information (for example, card information used for payment, such as card number and / or expiration date), there is a inconvenience through the input of the keyboard In addition, there is a problem that causes anxiety of information exposure according to input of card information every time.

This problem of security always has a trade off relationship with convenience. Therefore, a technical idea for payment of a card that can increase security and satisfies convenience is required. In addition, there is a need for a technical idea that can prevent loss, theft, or theft of a digital system and a card that can cause enormous damage when lost, stolen, or stolen.

SUMMARY OF THE INVENTION The present invention has been made in view of the above problems, and it is an object of the present invention to provide a digital system and a payment system capable of enhancing security by allowing a user to carry out card settlement while occupying two independent objects of a digital system and a card, Side system, and a method thereof.

At the same time, it is possible to use not only card information that is difficult for the user to store, but also information that can specify a digital system (for example, a mobile phone) (for example, identification information of the digital system (for example, a mobile phone number or user identification information). The system can provide payment convenience, and can check the occupancy of the card through tagging, which is a contactless communication system, so that the security can be provided without the card being removed from the wallet or the pocket. To provide a way.

In addition, in order to prevent the exposure of the card information that must be entered every time, the card information of the payment card is entered only once on the payment side system, and after that, the tag is used for contactless communication to check whether the card is occupied and make a payment request. By providing a system and a method for preventing the exposure of payment card information, the user can easily check the occupancy of the payment card.

In a method of providing a digital system for card payment through tagging to achieve the technical problem, the digital system receives payment related information from a payment side system, and the digital system receiving the payment related information performs tagging with a predetermined card. And a tagging step of performing a tagging step and the tagging step, wherein the digital system transmits a confirmation signal to the payment side system, wherein the confirmation signal is transmitted to the payment side system and the payment side system. The card identification information of the card tagged with the digital system must be stored in advance, so that the card tagged with the digital system corresponding to the payment related information by the payment side system is used as a payment means. Characterized in that the payment approval process is performed.

In addition, the method requires that identification information of the digital system is stored in advance in the payment system, so that the payment related information is transmitted from the payment system to the digital system or the payment approval process is performed by the payment system. It may be characterized by.

The payment related information may include card identification information for identifying the card, and the digital system may transmit the confirmation signal only after tagging with the card corresponding to the card identification information. .

The payment related information may be displayed in the digital system only when the tagging step is performed.

The payment related information includes information on a first part which is part of the card information of the card, and the tagging step is performed by the digital system from the card storage of the card to the second part corresponding to the first part. And receiving the information on the confirmation signal, and transmitting the confirmation signal by including the information on the second part received from the card by the digital system in the confirmation signal. The information on the second part received from the digital system may correspond to the first part to approve the card payment.

The payment approval process may be characterized in that the card payment using the card information of the card previously stored in the payment side system is approved so as to correspond to the identification information of the digital system that transmitted the confirmation signal.

The acknowledgment signal transmitting step includes the digital system including at least a part of the card information of the card in the acknowledgment signal, and transmitting the acknowledgment signal. The card payment may be approved using at least some of the card information.

The acknowledgment signal transmitting step is characterized in that the digital system transmits the acknowledgment signal only when a predetermined acknowledgment signal transmission requirement is satisfied. Receiving a second information determined to correspond to the first information from the card through the tagging step, or tagging the second information corresponding to the first information previously stored in the digital system. It may be characterized in that when receiving from the card through.

In order to solve the technical problem, a payment side system providing method includes: a payment side system receiving a payment request; the payment side system transmitting payment related information to a digital system corresponding to the payment request; Receiving a confirmation signal from the digital system when tagging is performed with the digital system that has received the payment related information, and the confirmation signal is received, and the card identification information of the card is determined by the payment side system. The payment side system, if stored in advance in advance, and the card-related corresponding to the payment-related information, the card and tagging the card as a payment means, the card payment means.

The payment side system stores in advance identification information of a digital system that can make a payment request, and transmits the payment related information to the digital system or approves the card payment only when the digital system corresponds to the identification information stored in advance. It can be characterized by.

Approving the card payment, when receiving the confirmation signal, using the card information of the card stored in the payment system to correspond to the identification information of the digital system, or at least of the card information included in the confirmation signal Approving the card payment using a portion.

The acknowledgment signal is output from the digital system only when a predetermined acknowledgment signal transmission requirement is satisfied. The acknowledgment signal transmission requirement is received by the digital system by receiving the first information output from the payment system. Or when second information determined to correspond to the first information is received from the card through the tagging, or the second information corresponding to the first information previously stored in the digital system is received from the card through the tagging. It may be characterized in that the case is received.

The digital system for solving the technical problem is a receiving module for receiving payment related information from a payment side system, a communication module for performing tagging with a predetermined card when the payment related information is received by the receiving module, the payment side A transmission module for transmitting a confirmation signal to a system, and a control module for controlling the transmission module to transmit a confirmation signal to the payment side system when the tagging is performed, wherein the confirmation signal is transmitted to the payment side system. The card identification information of the card that has been transmitted and tagged with the digital system must be stored in advance in the payment side system, so that the digital system and the card tagged with the digital system correspond to the payment related information. Means that a payment authorization process, in which payment by a card is authorized, is performed. And a gong.

The digital system requires that the identification information of the digital system is stored in advance in the payment system, so that payment related information is transmitted from the payment system to the digital system or the payment approval process is performed by the payment system. It may be characterized by.

The control module controls to include at least a part of the card information of the card in the confirmation signal and transmits it, and the payment approval process uses at least a part of the card information included in the confirmation signal received from the digital system. It may be characterized in that performed by the payment side system.

The payment-side system for solving the technical problem includes a receiver for receiving a payment request, a transmitter for transmitting payment-related information to a digital system corresponding to the payment request, and a controller, wherein the receiver is the payment-related information. When tagging is performed with a predetermined card by the digital system that has received the message, the confirmation signal is received from the digital system, and the control unit receives the confirmation signal by the receiving unit, and the card identification information of the card is previously recorded in a DB. It is characterized in that the card payment is authorized, using the digital system and the card tagged as the payment means, corresponding to the payment related information.

The DB further stores identification information of a digital system that can make a payment request, and the control unit transmits the payment related information to the digital system or pays the card only when identification information of the digital system is stored in the DB. It may be characterized in that the approval.

When the control unit receives the confirmation signal, the controller approves the card payment using the card information of the card stored in the DB so as to correspond to the identification information of the digital system, or to the confirmation signal received from the digital system. Approving the card payment by using at least some of the card information of the included card.

According to the technical idea of the present invention, since payment is performed only when the user always occupies both the digital system and the card that the user carries, the security is significantly higher than when the payment is performed by one card or the digital system. It has an effect.

In addition, a payment request can be made by inputting information (for example, a mobile phone number or a user ID) that can identify a digital system that the user knows without having to remove the card from the wallet for card payment. As it can be carried out by tagging the communication, as a result, it occupies both the digital system and the card, but it does not need to touch or remove the card at all, thus providing convenience of payment.

In addition, when the digital system and the card are simply tagged, the payment information is not approved, but the confirmation signal is transmitted when a certain requirement for transmitting the payment confirmation signal is satisfied, or the tag information is transmitted to the payment- So that it is possible to cope with forgery and falsification of any one system (digital system or card).

Further, even when the digital system receives at least a part of the card information from the card to transmit the card information used for card settlement to the payment-side system after tagging, the security procedure The related information is not leaked even when the digital system is attacked after the payment, and card settlement is not performed without performing the tagging.

In addition, in order to prevent the exposure of the card information that must be entered every time, the card information of the payment card is entered only once in the payment system, and after that, the tag is used for contactless communication to check whether the card is occupied and make a payment request. By doing so, it is possible to easily check the occupation of the payment card of the user while preventing the exposure of the payment card information. In particular, the effect is to significantly reduce the anxiety about the user's card information exposure.

BRIEF DESCRIPTION OF THE DRAWINGS A brief description of each drawing is provided to more fully understand the drawings recited in the description of the invention.
1 is a schematic diagram of a system for implementing a method of providing a digital system for card payment through tagging according to an embodiment of the present invention.
2 is a schematic flowchart of a method of providing a digital system for card payment through tagging according to an embodiment of the present invention.
3 is a diagram illustrating a schematic configuration of a digital payment system for card through tagging according to an embodiment of the present invention.
4 is a diagram illustrating a case in which payment related information is displayed according to a method of providing a digital system for card payment through tagging according to an embodiment of the present invention.
5 is a diagram illustrating a payment process when a payment side system transmits a part of card information to payment related information according to an embodiment of the present invention.
6 is a diagram illustrating a process of transmitting an acknowledgment signal when the digital system satisfies a requirement for transmitting an acknowledgment signal according to an embodiment of the present invention.
7 to 9 are diagrams for explaining a process in which a digital system includes card information in a confirmation signal for transmission according to an embodiment of the present invention.
10 is a view showing a schematic configuration of a payment side system according to an embodiment of the present invention.

In order to fully understand the present invention, operational advantages of the present invention, and objects achieved by the practice of the present invention, reference should be made to the accompanying drawings and the accompanying drawings which illustrate preferred embodiments of the present invention.

Also, in this specification, when any one element 'transmits' data to another element, the element may transmit the data directly to the other element, or may be transmitted through at least one other element And may transmit the data to the other component. Conversely, when one element 'directly transmits' data to another element, it means that the data is transmitted to the other element without passing through another element in the element.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the preferred embodiments of the present invention with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

1 is a schematic diagram of a system for implementing a method of providing a digital system for card payment through tagging according to an embodiment of the present invention.

Referring to FIG. 1, in order to implement a method for providing a card payment digital system through tagging according to an embodiment of the present invention, a card payment digital system (hereinafter referred to as 'digital system' 100), a card 200, And payment side system 300 may be provided.

The digital system 100 can implement the technical idea of the present invention while transmitting and receiving necessary information to the payment-side system 300 through a wire / wireless network. In addition, the digital system 100 may acquire information stored in a card storage device provided in the card 200 by performing tagging with the card 200.

In this specification, tagging refers to the case where the digital system 100 and the card 200 are within a certain distance (for example, in the case of NFC communication) in order to conduct communication in a contactless manner, such as RFID communication or NFC communication, 10 cm, etc.). The user can perform tagging by bringing the digital system 100 or the card 200 close to the card 200 or the digital system 100 within a certain distance.

Although the digital system 100 is illustrated as a mobile phone in FIG. 1, all types of data processing devices capable of communicating with the payment-side system 300 through a wired / wireless network and through tagging with the card 200 are provided. It may be defined to include. For example, the digital system 100 may be a data processing device, such as a tablet, a music player, or the like, which is easy for the user to carry around.

The card 200 may be a financial transaction means that can be used for card settlement. The card 200 may include a predetermined first communication device (e.g., an RF antenna, an RF tag, etc.) for performing tagging communication with the digital system 100. In addition, the card 200 may further include a storage device in which information necessary for realizing the technical idea of the present invention can be stored. For example, the card 200 may be implemented as an IC card or a smart card in which the IC chip is embedded, and the card payment may be performed only by the technical idea of the present invention, regardless of the technical idea of the present invention. It may be an independent payment means that can perform the card payment in a manner.

In any case, according to the spirit of the present invention, when the digital system 100 is estimated / authenticated that the user (owner, occupant) of the digital system 100 also possesses the card 200 (that is, tagging) Only if this is performed), payment can be performed with the card in accordance with the spirit of the present invention. Therefore, since the card payment can be performed only by occupying both the digital system 100 and / or the card 200, security can be significantly increased. In addition, since the user does not have to remove the card from the wallet or the pocket, the user can perform the settlement relatively conveniently compared to the high security. For example, when a user makes an online payment, the user may enter identification information (eg, a mobile phone number) of the digital system 100 online or perform a login to mediate payment according to the technical idea of the present invention. After the act of specifying the digital system 100, when payment related information is received from the payment system 300 to the digital system 100, the digital system 100 is stored in the wallet or the card 200; Simply tagging in your pocket can complete card payment.

The card 200 does not have its own power source, but may be implemented as an IC card (or smart card) 201 that can store predetermined information and perform a simple operation. For example, the card 200 may have a unique computing capability and storage capability, and may be a system capable of performing contactless wireless communication (eg, NFC communication) with the digital system 100.

The settlement side system 300 is defined as including all systems participating in receiving a settlement request to perform card settlement, communicating with the digital system 100, or determining whether to approve settlement . For example, the payment-side system 300 may include various receiving systems 310 for receiving payment requests and an approval system 320 for approving payment requests requested through the receiving system 310 . In some implementations, a user of the digital system 100 may enter a payment request into the authorization system 320. [ That is, the receiving system 310 may not be included in the payment-side system 300.

The receiving system 310 may be implemented by, for example, a Web server 311 providing a page or UI for online settlement, a card payment terminal 312 installed at an affiliate shop, or an ATM (Automatic Teller's Machine) 313 . The receiving system 310 may be a system capable of receiving a payment request from the digital system 100 or from a user of the digital system 100. In addition, the payment request may be performed by receiving identification information (eg, a mobile phone number) of the digital system 100 or specifying information of a user performing a payment request. Of course, in the latter case, identification information of the digital system 100 corresponding to the user may be stored in the payment side system 300 in advance.

The approval system 320 is a system in which the card issuer system 321 (the card issuer system 321 in the present invention) which can settle the settlement request with the card 200 performs card settlement as well as an independent card company system (Meaning not including all financial institution systems (not shown)). In addition, according to an embodiment, the approval system 320 may further include a VAN system 322 for interfacing the card issuer system 321 and the reception system 310. In addition, although not shown in FIG. 1, a predetermined service system (eg, a web server for providing a web service, etc.) for implementing the technical idea of the present invention includes the card company system 321. And / or coupled to the VAN system 322 via a wired or wireless network. The VAN system 322 may further perform the functions of the receiving system 310 according to an embodiment.

In any case, the payment system 300 is connected to a network path from the receiving system 310 to the card issuer system 321 in which the digital system 100 or a user of the digital system 100 inputs a payment request. May be defined to include all systems that exist in the network. Of course, there may be cases where the card issuer system 321 performs the functions of the receiving system 310 as well.

Hereinafter, a process of performing payment according to the technical concept of the present invention will be described in more detail. Hereinafter, for convenience of description, the digital system 100 is implemented as a mobile phone, and the identification information of the digital system 100 is a mobile phone number of the mobile phone. However, The scope of rights is not limited thereto.

2 is a schematic flowchart of a method for providing a digital system for card payment through tagging according to an embodiment of the present invention.

Referring to FIG. 2, a user of the digital system 100 may transmit a payment request to the payment side system 300 (S100). When a payment request is required, information for specifying identification information of the digital system 100 may be input if necessary, or if a user is already specified through a login or the like, for specifying a separate digital system 100. Additional information input may not be necessary. For example, a user may wish to access a predetermined web page online through a data processing device (eg, a computer) and perform online payment. Then, the user can input the identification information (e.g., mobile phone number) of the digital system 100 to the web server 311 that provides the web page or the UI for online settlement. According to an exemplary embodiment, identification information (eg, mobile phone number) or user identification information of the digital system 100 may be input to a payment terminal installed at a predetermined affiliate store offline. In this case, the user may input the identification information, and if the user informs the identification information of the digital system 100, the member of the merchant may input the identification information. Alternatively, the identification information (eg, a mobile phone number or information for identifying a user, etc.) may be input to a predetermined ATM 313. As such, by making a payment request using the identification information (for example, a mobile phone number or information for identifying a user), the user can obtain various conveniences and security effects by not removing the card for the payment request. . That is, since the card information is generally high in probability that the user can not memorize, there is a high possibility that the card should be taken out in order to request the payment by inputting the card information. In this case, there is a risk of loss as well as inconvenience. If you inform others or input directly online, there is a risk of information leakage. Therefore, technical ideas that use card information but do not remove the card can have a very significant effect on security.

In addition, the identification information (eg, a mobile phone number or information for identifying a user) may be used when the payment-side system 300 specifies the digital system 100 to transmit payment-related information. According to an embodiment, information about the digital system 100 that transmits payment related information to the payment-side system 300 is stored in advance, and the payment is made through the user's pre-stored digital system in response to the user's payment request. The relevant information may be transmitted.

When the payment request is performed (S100), in any manner, the digital system 100 may receive payment related information output from the payment system 300 (S110).

The payment related information may include payment history information corresponding to at least a payment request. In addition, as will be described later, predetermined information for implementing the technical idea of the present invention may be further included in the settlement related information.

When the settlement related information is received and the payment history information included in the payment related information is displayed in the digital system 100, the user confirms the displayed information and then transmits the digital system 100 to the card 200 (S120). Then, the digital system 100 may transmit an acknowledgment signal to the payment-side system 300 (S130). The payment history information may include identification information (e.g., (callback) URL of the payment system 300 for outputting the confirmation signal). Alternatively, since the payment side system 300 and the digital system 100 maintain a session, the digital system 100 may know the identification information of the payment side system 300. Accordingly, the digital system 100 may transmit the confirmation signal to the payment side system 300 that outputs the payment related information. Upon receiving the confirmation signal, the payment-side system 300 can approve the settlement corresponding to the settlement request (S140). Then, settlement can be performed with the card.

According to one embodiment, the payment related information received in the digital system 100 may be displayed in the digital system 100 only after the tagging S120. When payment history information included in the payment related information is displayed, the digital system 100 may transmit a confirmation signal to the payment side system 300 (S130). Of course, the user may select the predetermined UI to transmit the confirmation signal. Then, the payment to the card corresponding to the payment request may be accepted and processed by the payment-side system 300 (S140). The payment side system 300 includes payment information other than the identification information of the card which is a payment means (in the present specification, the card identification information is card information (eg, a card number, an expiration date and / or a password, etc.) used for payment). Information, but also other information such as unique identification information of the card that can identify the card) may be stored in advance.

A detailed configuration of the digital system 100 according to an embodiment of the present invention for implementing the technical idea is shown in FIG. 3.

3 is a diagram illustrating a schematic configuration of a digital payment system for card through tagging according to an embodiment of the present invention.

1 and 3, the digital system 100 according to an embodiment of the present invention includes a control module 110, a reception module 120, a transmission module 130, and a communication module 140. . The digital system 100 may further include a storage device 150 and / or a security module 160.

Herein, a module may mean a functional and structural combination of hardware for carrying out the technical idea of the present invention and software for driving the hardware. For example, each of the above configurations may refer to a logical unit of a predetermined code and a hardware resource for executing the predetermined code, and may be a code physically connected to one another or a specific type of hardware May be easily deduced to the average expert in the field of the present invention. Thus, each of the above configurations refers to a combination of hardware and software that performs the functions defined herein, and does not mean a specific physical configuration.

The control module 110 includes other components included in the digital system 100 (eg, the receiving module 120, the transmission module 130, the communication module 140, the storage device 150, and / Or the function and / or resources (resource) of the security module 160, etc.) can be controlled.

When the payment request is input to the payment side system 300, the receiving module 120 may receive payment related information from the payment side system 300. The payment request may or may not include information (eg, a mobile phone number or user identification information) for specifying the digital system 100. Information (eg, mobile phone number or user identification information) that can specify the digital system 100 is inputted by a predetermined data processing device (eg, a computer, etc.) used by a user of the digital system 100 and the It may be transmitted to the receiving system 310, or a user or another person (e.g., a predetermined merchant side employee, etc.) may manually input the receiving system 310. Alternatively, the identification information (eg, mobile phone number or user identification information) may be transmitted to the reception system 310 through the digital system 100. The authorizing system 320 may then receive the payment history information and the payment request from the receiving system 310. Then, the approval system 320 may transmit the settlement related information to the digital system 100. The settlement related information may be transmitted to the digital system 100 with a message (e.g., SMS, MMS, etc.) or may be transmitted to the digital system 100 with predetermined packet data. In the latter case, when a predetermined application for implementing the technical idea of the present invention is installed in the digital system 100 and the approval system 320 transmits the payment related information through the wired / It is possible. The application may be a web browser.

The transmission module 130 may transmit an acknowledgment signal to the approval system 320 included in the payment system 300. [ The confirmation signal may simply be a signal indicating that tagging has been performed or a signal that cannot be transmitted until tagging is performed, and as described below, card identification information (card identification information used in the present specification is card information used for payment). (E.g., card number, expiration date and / or password, etc.) may include at least a portion of the information not for payment but other information such as unique identification information of the card that can identify the card. The transmission of the acknowledgment signal may be controlled by the control module 110. The control module 110 may determine what information to include in the acknowledgment signal. Also, the acknowledgment signal may be a combination of consecutively transmitted signals instead of information transmitted one time.

When the payment related information is received by the receiving system 310, the communication module 140 may perform tagging with the card 200. The communication module 140 may receive the identification information of the card 200 and may receive information stored in the card storage device included in the card 200 when necessary.

The control module 110 may determine whether the communication module 140 has been tagged with the card 200. [ Alternatively, specific information may be received from the card 200 via the tagging. In any case, the control module 110 may control the transmission module 130 to send the acknowledgment signal to the payment-side system 300 after the tagging has been performed. Also, the control module 110 may include information necessary for implementing the technical idea of the present invention in the acknowledgment signal.

When the confirmation signal is received, the payment-side system 300 can perform a payment approval process in which the payment corresponding to the payment request is approved to the card 200. Since the process for accepting the payment corresponding to the payment request to the card 200 is a known configuration, a detailed description thereof will be omitted.

Meanwhile, in order to perform a payment for implementing the technical idea of the present invention, the payment-side system 300 may need to know card information of the card 200. To this end, the payment side system 300 may store identification information of a card to be used as a payment method in a predetermined DB. When the payment request is received from the digital system 100 and the confirmation signal is received, payment may be performed using the card information.

According to an embodiment of the present disclosure, identification information of a plurality of cards may be stored in a DB of the payment side system 300.

When identification information (for example, a card number or an expiration date, etc.) of a plurality of cards to be used for payment is stored in the payment side system 300, the payment side system 300 receives a confirmation signal from the digital system 100. Is received, the card information stored in the payment-side system 300 may be extracted based on the information for identifying the card included in the confirmation signal, and then payment may be performed using the extracted card information. Then, the user must tag the card corresponding to the card identification information previously stored in the payment side system 300 with the digital system 100 to settle the payment by the payment side system 300 as the payment means. Can be approved.

In the case where the payment-side system 300 stores only the information for identifying the card (for example, the card company, the card name, a part of the card information, etc.) rather than the card information that can be used for card payment, After extracting at least a portion of the card information included in the confirmation signal to specify the card information, the card payment may be performed using the specified card information.

In any case, card identification information (for example, card information or card name, etc.) for identifying a card may be stored in the payment side system 300, and the payment side system 300 is based on the confirmation signal. The card in which identification information is stored in the DB in advance may be tagged with the digital system 100. In addition, the identification information must be stored in the DB in advance to proceed with the payment process.

In addition, the payment side system 300 may further store identification information of the digital system 100. That is, the payment side system 300 may approve payment only when a payment request is made by the digital system 100 registered in advance. When the payment request is received, the payment-side system 300 may determine whether the received payment request corresponds to identification information of the digital system (eg, 100) registered in the DB in advance. In addition, a payment request corresponding to previously registered identification information may be transmitted to the digital system 100 corresponding to the payment request so that the payment process proceeds. Of course, according to the embodiment, after receiving the confirmation signal from the digital system 100, it may be determined whether the payment is approved by determining whether the digital system 100 is a pre-registered digital system 100.

As such, card identification information and / or identification information of the digital system 100 are registered in advance in the payment-side system 300, and the card and / or digital system 100 corresponding to the information registered in advance perform tagging with each other. Only by using the tagged card can be performed to increase the security.

In some embodiments, the payment side system 300 may not store the card identification information. In this case, the payment side system 300 may receive at least card information of the card 200 from the digital system 100, and may approve payment using the received card information. At this time, the card information may be included in the confirmation signal. This will be described later.

The storage device 150 may be configured to store information necessary to implement the technical idea of the present invention. According to an exemplary embodiment, a portion of the card information may be stored in the storage device 150 in advance. Also, the information received from the payment-side system 300 or the card 200 may be temporarily stored in the storage device 150.

When the predetermined information received from the card 200 and / or the payment-side system 300 is used, the security module 160 deletes the information and enhances security. As will be described later, the control module 110 may include card identification information in the confirmation signal and transmit the card identification information to the payment side system 300, and all or part of the card identification information is received from the card 200. The information may be corrected. In this case, if the payment is completed and all or part of the card identification information still remains in the storage device 150, when the digital system 100 is acquired by an unauthorized user and attacked through hacking or the like, the card ( There is a risk that payment can be performed using the card identification information (particularly, card information) even if tagging is not performed. Therefore, when the process to be performed by the digital system 100 for any one payment is completed, the security module 160 deletes at least a part of the card information received from the card 200 of the present invention. It may be important to increase the completeness and security of payment solutions according to the technical idea.

According to one embodiment, when the digital system 100 performs tagging with any one of a plurality of cards in the user's name, settlement may be performed with the card information of the tag on which the tagging has been performed. That is, the card to which the technical idea of the present invention is applied may not be predetermined. At this time, the card information on which the tagging has been performed may be included in the confirmation signal and may be transmitted to the payment-side system 300, and the card settlement may be performed by the transmitted card information.

According to another embodiment, a card to be settled in accordance with the technical idea of the present invention may be predetermined. In this case, the payment-side system 300 may include the card identification information (e.g., card information or unique identification information of the card) capable of identifying the card in the settlement related information and transmit the card identification information to the digital system 100 It is possible. Then, the control module 110 may control to transmit the confirmation signal only when tagging with the card corresponding to the card identification information is performed. In addition, as described above, the payment side system 300 may determine whether the card identification information included in the confirmation signal corresponds to previously stored card information. Of course, the payment side system 300 may previously store identification information (eg, a mobile phone number) of the digital system 100 or identification information of at least one card corresponding to the identification information of the user.

Meanwhile, as described above, the control module 110 may display the settlement related information received from the payment system 300 without any special condition, and the digital system 100 and the card 200 must be tagged Display. This is because it may be undesirable to display the payment related information in the digital system 100 in such a case that a person is temporarily occupying or viewing the digital system 100 .

According to an embodiment, a user may output an acknowledgment signal through a predetermined UI displayed only when the settlement related information is displayed. In this case, since the payment related information is also personal information to be protected, the payment related information can be confirmed only when the digital system 100 and the card 200 are occupied by the user. In addition, It is possible to output it to the settlement side system 300.

One such example is shown in FIG.

4 is a diagram illustrating a case in which payment related information is displayed according to a method of providing a digital system for card payment through tagging according to an embodiment of the present invention.

4A and 4B, the digital system 100 receives payment related information from the payment side system 300 and then checks the payment details in the payment related information without any special condition as shown in FIG. 4A. Can be displayed on the display device provided in the). Alternatively, as shown in FIG. 4B, it may be notified that the payment history can be displayed only after tagging with the predetermined card 200, without displaying information on the payment history.

As shown in FIG. 4A, the payment related information may include information on payment details (eg, payment amount, affiliate store (or ATM device information, etc.)). The settlement related information may include identification information (e.g., URL, callback URL, IP, etc.) of the settlement side system 300 required for the digital system 100 to transmit an acknowledgment signal. Since the identification information of the settlement side system 300 may include identification information such as unit data such as packets constituting the settlement related information, the settlement related information may be recognized by the digital system 100 when the settlement related information is received. Therefore, the identification information of the payment-side system 300 may be defined as being included in the payment related information. Of course, the identification information may not be displayed in the digital system 100.

In addition, the settlement related information may include card identification information for identifying the card 200. [ The card identification information may be card information, a name of a card for identifying a card other than card information, or the like, and may be implemented as various information for identifying the card 200. The card identification information may be information stored in the payment-side system 300 in advance so as to correspond to identification information (for example, a mobile phone number) of the digital system 100 included in the payment request. In some embodiments, the payment side system 300 may not separately store card identification information of the card 200. In this case, the card identification information may not be included in the payment related information.

The payment side system 300 includes card identification information in payment related information and transmits the card identification information to the digital system 100 so that a user tags a card corresponding to the transmitted card identification information with the digital system 100. It may be. Alternatively, the payment side system 300 may allow a user to tag a card registered in the payment side system 300 in advance without transmitting card identification information.

When payment related information includes card identification information, the card corresponding to the card identification information and the digital system 100 should be tagged, so that the digital system 100 sends the confirmation signal to the payment side system 300. Can also be sent. The communication module 140 may receive identification information of the card through tagging with the card 200 and the control module 110 may transmit the card identification information included in the payment related information to the card 200 May correspond to the received information.

In some embodiments, identification information of a card may be stored in the digital system 100. When a plurality of card identification information is stored in the digital system 100, the user selects identification information of a card to be used for payment from among the plurality of card identification information, and a card corresponding to the selected identification information is stored in the digital system ( To be tagged with the 100, the digital system 100 may transmit a confirmation signal to the payment-side system (300). When the identification information of the card is stored in the digital system 100 in advance, only information for identifying the card (eg, a card name, etc.) may be stored, and card information required for payment may not be stored.

The payment system 300 can select which information to include in the payment related information. The control module 110 also determines whether or not to display any of the information included in the payment related information on the display device You can also choose.

Meanwhile, as illustrated in FIG. 4B, tagging may be performed to display information (eg, payment details) included in the payment related information. In this case, the digital system 100 may simply display information indicating that a payment request has been made and / or information to perform tagging with a specific card. Depending on the implementation, the particular card may be informed (or displayed) to the user, or may not.

In addition, although not shown in FIG. 4, the payment related information may include information about a predetermined UI for allowing a user to output the confirmation signal. Accordingly, the user may control the digital system 100 to output the confirmation signal to the payment-side system 300 only when the payment-related information is displayed.

According to another embodiment of the present invention, the settlement related information may include information on a first part, which is a part of card information of a card 200 to be tagged. The payment system 300 may store card information of the card 200 in advance. In this case, the payment system 300 may include a part of the stored card information in the payment related information, To the system 100. Then, the digital system 100 may include information on the second part corresponding to the first part in the confirmation signal. The information on the second part corresponding to the first part may be information excluding the first part of the card information, or may be a combination of various types. In any case, the second part may be information that can be automatically determined when the first part is determined. According to an embodiment, the second part may be the entire card information. The payment system 300 may approve the payment according to whether the information on the second part corresponds to the first part and / or the card information. Through this process, it is possible to prevent the possibility that unauthorized payment occurs, such as when the card 200 is forged or falsified, or when the software installed in the digital system 100 is forged or falsified to implement the technical idea of the present invention.

According to an embodiment, the payment-side system 300 may not recognize the card information but the card identification information (for example, information for identifying the card excluding the card information such as a card company and a card name). It may be included in payment related information and transmitted to the digital system 100. Then, the digital system 100 may transmit a confirmation signal to the payment side system 300 only when tagging with a card corresponding to the card identification information. When information on a plurality of cards is previously stored in the payment side system 300, identification information of the plurality of cards is transmitted to the digital system 100, and the digital system 100 identifies the plurality of cards. The card may be selected by the user to be used for payment. When tagging is performed between the selected card and the digital system 100, the digital system 100 may transmit a confirmation signal to the payment side system 300.

5 is a diagram illustrating a payment process when a payment side system transmits a part of card information to payment related information according to an embodiment of the present invention.

Referring to FIG. 5, the payment-side system 300 according to an embodiment of the present invention may extract some of the stored card information (eg, 1234-5678), that is, the first part (S10). The extracted information may be, for example, 12X4-X678, that is, 1, 2, 4, 6, 7, 8 of the card information. Then, the payment-side system 300 may transmit the information on the first part (for example, information on the number of the extracted card numbers) to the settlement related information (S20).

When the digital system 100 receives the information on the first part and then tags the card 200 with the card 200, the communication module 140 transmits the second part 3 ₃ , 5 ₅ ) (S30). Here, the notation A _b may indicate that the b-th information of the card information is A. The acquisition of information on the second part means that after the digital system 100 acquires all of the card information stored in the card storage device of the card 200, information on the second part (information and / or information on the second part) It may be a case of extracting only the information of the second part from the card 200, or may be a case of acquiring information of the second part from the card 200 only.

Then, information on the second part received from the card storage device of the card may be transmitted to the payment-side system 300 (S40). At this time, the information on the second part may be included in the acknowledgment signal or transmitted separately. Then, the payment system 300 may determine whether information on the second part received from the digital system 110 corresponds to the first part (S50). That is, the stored card information and the information about the second part can be compared. In step S60, the payment system 300 determines that the information on the second part corresponds to the first part.

The settlement side system 300 can select whether or not to extract the first part of the card information, and can select different numbers each time the card information is extracted.

Also, depending on the embodiment, the payment system 300 and the digital system 100 may share an algorithm of how many digits are to be extracted as a first part. For example, information on the number of the first part and the number of the first part may be determined according to a time zone, and a rule for selecting the first part may be provided between the payment system 300 and the digital system 100 Can be synchronized. For this purpose, it is a matter of course that certain software codes or applications distributed by the payment system 300 may be installed in the digital system 100. In this case, the payment related information may not include information on the first part.

In addition, the first part and the second part may be various embodiments. In any case, the information about the first part that the digital system 100 receives from the payment-side system 300 may be information for specifying a second part corresponding to the first part. Information about two parts may be stored in the card 200. In addition, the payment related information may be displayed or the confirmation signal may be transmitted when information on a second part corresponding to the first part is received from the card 200 through tagging. That is, whether or not the first part and the second part correspond to each other may be determined by the digital system 100, not by the payment system 300. Of course, in this case, information on the second part may not be transmitted to the payment-side system 300. Such an example is also shown in Fig. 6 to be described later.

On the other hand, the payment-side system 300 may receive a confirmation signal from the digital system 100 to approve the requested payment. At this time, the acknowledgment signal may simply be a signal confirming that it is legitimately requested by the user. Alternatively, the confirmation signal may include at least part of the card information required for payment. In the former case, the card information of the card is stored in the payment-side system 300, and in the latter case, the card information may not be stored in the payment-side system 300.

However, in the former case, when the digital system 100 transmits only an acknowledgment signal, payment is accepted and processed, so that a predetermined technical idea for enhancing security can be further provided. That is, although the confirmation signal is controlled to be output only when the tag is tagged, there may be a case where the digital system 100 can output an acknowledgment signal even if the digital system 100 is forged due to an attack such as hacking and is not tagged. An additional security scheme may be required to prepare for this case, and this security scheme may be implemented by further determining whether the control module 110 has satisfied the confirmation signal transmission requirement.

This confirmation signal transmission requirement can only be met by receiving certain information from the card 200. One such example is shown in FIG.

6 is a diagram illustrating a process of transmitting an acknowledgment signal when the digital system satisfies a requirement for transmitting an acknowledgment signal according to an embodiment of the present invention.

First, referring to FIG. 6A, the control module 110 of the digital system 100 may determine whether the digital system 100 and the card 200 are tagged (S120). Then, the control module 110 can further determine whether a predetermined confirmation signal transmission requirement is satisfied (S125). If it is determined that the confirmation signal transmission requirement is satisfied (S125), the control module 110 may control the transmission module 130 to transmit the confirmation signal (S130). Otherwise, it is possible to control not to transmit the acknowledgment signal. Accordingly, the control module 110 may perform a double check, i.e., whether tagging has been performed to transmit the confirmation signal and whether the confirmation signal transmission requirement has been satisfied.

The confirmation signal transmission requirement may be satisfied when second information corresponding to predetermined first information is received from the card 200 as shown in FIG. 6B or 6C. The first information and the second information may be pairs (or concave / convex) information. For example, as described above with reference to FIG. 5, the first part that is part of the card information and the second part that is the other part may be the first information and the second information.

In addition, the information held only by the card 200 may be the second information. For example, if specific information is stored in advance in the card 200, the first information may be information corresponding to the specific information. When the first information and the second information are both acquired by the digital system 100, the control module 110 can determine whether the confirmation signal transmission requirement is satisfied.

For example, as shown in FIG. 6B, the payment-side system 300 may transmit predetermined encrypted information (first information) to the digital system 100 (S126). The decryption key of the encrypted information (first information) may be identification information (second information) of the card 200 or information that can be generated by the identification information. The digital system 100 receives identification information of the card 200 from the card 200 (S126-1), and the received identification information (second information) is converted into the encrypted information (first information). It may be determined whether the correspondence (S126-2). The control module 110 may determine whether the first information and the second information correspond to each other whether or not the encrypted information is decrypted using the identification information or a predetermined key generated using the identification information .

In some embodiments, as illustrated in FIG. 6C, the first information may be stored in advance in the digital system 100 (S127). Then, the digital system 100 receives the second information from the card 200 (S127-1), and determines whether the received second information and the first information correspond to the information S127-2).

Although the second information is identification information of the card 200, any information stored in the card 200 may be the second information. In addition, the second information may be information previously known to the payment system 300 or the digital system 100. Accordingly, the payment-side system 300 may transmit the first information corresponding to the second information, or the digital system 100 may generate the first information. According to an example, the first information may be information indicating a number of the card information composed of a series of numbers. The second information may be an actual number corresponding to the first information. Then, when the digital system 100 knows the card information of the card 200, it can determine whether the first information and the second information correspond to each other.

In addition, the first expert and the second information may be various embodiments, and the average expert in the technical field of the present invention will be able to easily deduce it.

As described above, the technical idea of the present invention is that even if the card information of the card 200 is stored in the payment system 300 in advance and the confirmation signal is a signal indicating that the payment request has been confirmed by the user, Can be provided.

According to another embodiment of the present invention, the confirmation signal may include card information of the card 200, and the payment system 300 may receive the confirmation information and the card information included in the confirmation signal It is possible to perform payment to the card 200 by using the card information. At this time, the payment system 300 may or may not store the card information. According to an embodiment, the confirmation signal may include only a part of the card information of the card 200. [ In this case, the settlement side system 300 may store the remaining part of the card information, or may store the entire card information. In any case, the card information can be specified by the payment-side system 300 only if all or part of the card information is included in the confirmation signal. For example, when all of the card information is included in the confirmation signal, the card information to be used for payment may be specified by the card information included in the confirmation signal. When only a part of the card information is included in the confirmation signal, the card information to be used for payment may be specified by being combined with the remaining part of the card information stored in the payment-side system 300. [ Alternatively, when only a part of the card information is included in the confirmation signal, a part of the card information may be simply used to specify the entire card information stored in the payment-side system 300. [

As a result, in any case, at least a part of the card information should be included in the confirmation signal, the payment system 300 may use at least a part of the card information included in the received confirmation signal to transmit the card information And can perform settlement processing using the specified card information. Hereinafter, for convenience of explanation, the card information included in the confirmation signal is mainly described as the card information as a whole, but the payment process can be performed in a similar manner even when only a part of the card information is included in the confirmation signal. The average expert in the field will be able to easily reason.

Such examples are shown in FIGS. 7-9.

7 to 9 are diagrams for explaining a process in which a digital system includes card information in a confirmation signal for transmission according to an embodiment of the present invention.

First, referring to FIG. 7, the storage device 150 included in the digital system 100 may store card information of the card 200 in advance (S131). For example, when the communication module 140 included in the digital system 100 is implemented as an NFC chip, card information of the card 200 may be stored in advance in an application that drives the NFC chip. Even in such a case, the digital system 100 simply stores at least a part of the card information, and the present invention provides the specified payment using the card 200 tagged as the payment means to be tagged with the card 200. For the case (that is, the settlement specified by the payment related information), the digital system 100 can be distinguished from the concept that the digital system 100 can perform card payment independently in that the settlement process can be started.

In a state where the card information is stored in the storage device 150, the digital system 100 may be tagged with the card 200 (S131-1). The control module 110 may then determine whether the tagging has been performed. In addition, when the card information is stored in the storage device 150, it may further be determined whether the tagged card 200 corresponds to the card information stored in the storage device 150. And may transmit an acknowledgment signal only in the corresponding case.

In any case, after the tagging is performed (S131-1), the control module 110 controls the transmission module 130 to transmit the card information stored in the storage device 150, (S131-2).

Then, the payment-side system 300 can approve the settlement using the card information included in the acknowledgment signal, and perform settlement processing.

Referring to FIG. 8, the card information may be stored in the card 200 (S132), and the digital system 100 may not store the card information. Then, the control module 110 may control the communication module 140 to receive the card information from the card 200 through tagging (S132-1). Then, the control module 110 may control to transmit the received card information by including it in the confirmation signal (S132-2).

If the card information is stored intact by the digital system 100 after the tagging, the digital system 100 has the card information without performing tagging, and the digital system 100 In the case of receiving an attack from a hacker or the like, the card information may be leaked, and there is a risk of transmitting the card information stored in the confirmation signal to the payment system 300 without performing tagging.

To this end, the technical idea of the present invention includes a technical idea of performing a security procedure of deleting card information received from the card 200 (S150) after the confirmation signal is transmitted to the payment-side system 300 . This security procedure may be performed by the security module 160. [

For example, the card information received from the card 200 may be controlled to be stored only in a specific area of the storage device 150. Then, when the confirmation signal is transmitted, the security module 160 can perform the security procedure by deleting the information stored in the specific area.

Meanwhile, referring to FIG. 9, some of the card information (first part) is previously stored in the storage device 150 of the digital system 100, and the other part (second part) is stored in the card 200. It may be stored in. Only the remaining part (second part) may be stored in the card 200 or all of the card information may be stored in the card 200 according to the embodiment.

In this case, the digital system 100 may store the first part in advance in the storage device 150 (S133). The digital system 100 may receive the second part from the card 200 through tagging (S133-1). The receiving of the second part through the tagging may be performed not only in the case of receiving the second part from the card 200 but also in the case where the second part is received by the control module 110 after receiving all of the card information. But may include a case where only a portion is extracted.

Then, the control module 110 may generate the card information by combining the first part and the second part previously stored in the digital system 100 (S133-2). Then, the generated card information may be included in the confirmation signal and transmitted to the payment-side system 300 (S133-3).

Of course, the security module 160 may perform a security procedure to delete information received from the card 200 after transmitting the confirmation signal (S150) as described in FIG.

As such, when the card information is included in the confirmation signal, and the payment side system 300 performs the approval and payment processing using the card information included in the confirmation signal, the payment side system 300 is previously displayed. The card information corresponding to the identification information (eg, mobile phone number) of the digital system 100 may not be determined. That is, the user may enter a payment request and then perform a payment by arbitrarily selecting a desired card among the cards held by the user. This has the effect of presenting the same settlement environment as that in which a user can arbitrarily select a desired card in offline and perform settlement.

8 and 9, when all or a part of the card information is to be received from the card 200, even if the digital system 100 transmits an acknowledgment signal forbidden by an attack, The card information can not be included in the payment information. As a result, payment can not be approved.

As described above, according to the technical idea of the present invention, the digital system 100 and / or the card 200 can be set up so that the user can occupy both the digital system 100 and the card 200, It is possible to prevent illegal settlement of the card 200 from being performed.

10 is a view showing a schematic configuration of a payment side system according to an embodiment of the present invention.

The payment side system 300 illustrated in FIG. 10 may be an approval system 320 included in the payment side system 300 illustrated in FIG. 1. That is, the payment system 300 shown in Figure 10 is implemented for the card company system 321, VAN system 322, or the technical spirit of the present invention, the card company system 321 and / or the VAN system ( 322 may mean a predetermined service system (not shown) that can be organically combined.

The settlement side system 300 may include a control unit 331, a receiving unit 332, a transmitting unit 333, and a DB 334.

The configuration of the control unit 331, the reception unit 332, and the transmission unit 333 included in the payment system 300 is not limited to the hardware for carrying out the technical idea of the present invention and the software for operating the hardware, Can mean a structural combination. For example, each of the above configurations may refer to a logical unit of a predetermined code and a hardware resource for executing the predetermined code, and may be a code physically connected to one another or a specific type of hardware May be easily deduced to the average expert in the field of the present invention. Thus, each of the above configurations refers to a combination of hardware and software that performs the functions defined herein, and does not mean a specific physical configuration.

Also, the settlement side system 300 does not mean any physical device. That is, the average expert in the technical field of the present invention can easily deduce that the payment system 300 can be implemented by organically combining different physical devices through a network.

The control unit 331 controls the functions and / or resources of other components included in the payment system 300 (for example, the reception unit 332, the transmission unit 333, and / or the DB 334) .

The receiving unit 332 may receive a payment request including identification information (e.g., a mobile telephone number) of the digital system 100. [ The receiving unit 332 may receive the payment request through the receiving system 310. Or may directly receive the settlement request through the digital system 100 or a predetermined data processing apparatus used by the user.

The transmission unit 333 can transmit settlement related information to the digital system 100. [ The control unit 331 can control whether the transmission unit 333 transmits the settlement related information or which information is included in the settlement related information.

When the digital system 100 having received the settlement related information performs tagging with a predetermined card 200, the receiving unit 332 can receive an acknowledgment signal from the digital system 100. [

When receiving the confirmation signal by the reception unit 332, the control unit 331 can approve the settlement corresponding to the settlement request to the card and perform settlement processing.

The control unit 331 may perform settlement processing using the card information of the card 200 stored in advance in the DB 334 so as to correspond to the identification information (e.g., mobile phone number) The payment processing may be performed using the card information included in the confirmation signal received from the mobile terminal. At this time, the card information included in the confirmation signal is stored in advance in the digital system 100, or information received from the card 200 or information stored in the digital system 100 and information It is also as described above that information may be generated by combining information.

If necessary, the DB 334 may store card identification information of a plurality of cards.

In some embodiments, the DB 334 may store user identification information and identification information of the digital system 100 corresponding to the user identification information. Therefore, even when the user identification information is included in the payment request or when the user is already specified through a login or the like at the time of the payment request, the digital system 100 capable of mediating payment according to the technical spirit of the present invention may be specified. .

As described above, the controller 331 may extract the first part of the card identification information of the card 200 and include the extracted information in the payment related information. Alternatively, card identification information may be included in the payment related information.

Also, the controller 331 may transmit predetermined first information to the digital system 100 as described above, and the first information may be transmitted to the digital system 100 to determine whether the digital system 100 meets the confirmation signal transmission requirement May be used to determine.

According to the technical idea of the present invention, the user can make a payment request without using the card information, thereby not exposing the card information at the time of the payment request. In addition, when making a payment, the user does not have to directly enter all or part of the card information. In addition, by using the card as a payment means for a particular payment case, the digital system as an intermediary means to mediate this, it is possible to perform the card payment that does not need to have a payment function or a device for payment in the digital system There is. In addition, by checking whether the user occupies the payment method card correctly through the digital system and tagging means, it is effective to increase the security with the simplicity of easily confirming the possession of the payment means.

Digital payment system, tagging system, and a method of providing the same through tagging according to an embodiment of the present invention can be implemented as computer readable codes on a computer readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a hard disk, a floppy disk, an optical data storage device, and the like in the form of a carrier wave (for example, . In addition, the computer-readable recording medium may be distributed over network-connected computer systems so that computer readable codes can be stored and executed in a distributed manner. And functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers skilled in the art to which the present invention pertains.

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 embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

Claims (18)

Receiving, by the digital system, payment related information from the payment side system;
A tagging step in which the digital system that has received the payment related information performs tagging with a predetermined card; And
When the tagging step is performed, the digital system includes a confirmation signal transmission step of transmitting a confirmation signal to the payment system,
When the confirmation signal is transmitted to the payment side system and the card identification information of the card tagged with the digital system is stored in advance in the payment side system, the payment side system corresponds to the payment related information. A method for providing a digital system for card payment through tagging, characterized in that a payment approval process for approving card payment is performed using a digital system and the card tagged as a payment means.
The method of claim 1,
When the identification information of the digital system is stored in advance in the payment side system, the payment related information is transmitted from the payment side system to the digital system or the payment approval process is performed by the payment side system. Method of providing digital system for card payment through tagging.
The method of claim 1, wherein the payment related information,
Card identification information for identifying the card,
The digital system,
And tagging the card corresponding to the card identification information to transmit the confirmation signal.
The method of claim 1, wherein the payment related information,
The tagging step is performed in the digital system to be displayed, the digital system for card payment through tagging, characterized in that performed.
The method of claim 1, wherein the payment related information,
Includes information about the first part that is part of the card information of the card,
The tagging step,
Receiving, by the digital system, information about a second part that is information corresponding to the first part from a card storage device of the card,
The confirmation signal transmission step,
Transmitting, by the digital system, the information regarding the second part received from the card by including in the confirmation signal;
The payment approval process,
And the card payment is approved when the information on the second part received from the digital system corresponds to the first part.
According to claim 1, The payment approval process,
And the card payment using tag information of the card previously stored in the payment side system is approved so as to correspond to the identification information of the digital system that has transmitted the confirmation signal.
The method of claim 1, wherein the confirmation signal transmission step,
The digital system including at least a part of the card information of the card in the confirmation signal and transmitting the at least part of the card information;
The payment approval process,
And approving the card payment by using at least some of the card information included in the confirmation signal received from the digital system.
The method of claim 7, wherein the confirmation signal transmission step,
The digital system transmits the confirmation signal only if a predetermined confirmation signal transmission requirement is satisfied.
The confirmation signal transmission requirement,
The digital system receives predetermined first information from the payment side system and receives second information determined to correspond to the first information from the card through the tagging step;
And the second information corresponding to the first information previously stored in the digital system is received from the card through the tagging step.
Receiving, by the payment system, a payment request;
Transmitting, by the payment side system, payment related information to a digital system corresponding to the payment request;
Receiving, by the payment side system, a confirmation signal from the digital system when tagging with a predetermined card is performed with the digital system that has received the payment related information; And
When the confirmation signal is received and the card identification information of the card is stored in advance in the payment system, the payment system uses the digital system and the card tagged as the payment means corresponding to the payment related information. Method of providing a payment side system comprising the step of approving the payment.
The system of claim 9, wherein the payment side system comprises:
It stores in advance the identification information of the digital system that can make a payment request.
The digital system must correspond to the previously stored identification information,
Method for providing a payment side system characterized in that for transmitting the payment-related information to the digital system, or approving the card payment.
The method of claim 9, wherein the step of approving the card payment,
When the confirmation signal is received, payment of the card is performed by using card information of the card stored in the payment system so as to correspond to identification information of the digital system, or by using at least a part of the card information included in the confirmation signal. Method of providing a payment side system comprising the step of approving.

The method of claim 11, wherein the confirmation signal,
It is characterized in that a predetermined confirmation signal transmission requirement is output from the digital system,
The confirmation signal transmission requirement,
Or when the predetermined first information output from the payment side system is received by the digital system, and the second information determined to correspond to the first information is received from the card through the tagging,
And the second information corresponding to the first information previously stored in the digital system is received from the card through the tagging.
In a digital system,
A receiving module for receiving payment related information from a payment side system;
A communication module for tagging with a predetermined card when the payment related information is received by the receiving module;
A transmission module for transmitting a confirmation signal to the payment side system; And
When the tagging is performed, the control module for controlling the transmission module to transmit a confirmation signal to the payment side system,
When the confirmation signal is transmitted to the payment side system and the card identification information of the card tagged with the digital system is stored in advance in the payment side system, the payment side system corresponds to the payment related information. A digital system for card payment through tagging, characterized in that a payment approval process for approving card payment is performed using a digital system and the card tagged as a payment means.
The method of claim 13,
When the identification information of the digital system is stored in advance in the payment side system, the payment related information is transmitted from the payment side system to the digital system or the payment approval process is performed by the payment side system. Digital system for card payment through tagging.
The method of claim 13, wherein the control module,
At least a part of the card information of the card is included in the confirmation signal and controlled to be transmitted;
The payment approval process,
Card payment digital system through tagging, characterized in that performed by the payment side system using at least some of the card information included in the confirmation signal received from the digital system.
A receiving unit for receiving a payment request;
A transmitter for transmitting payment related information to a digital system corresponding to the payment request; And
And a control unit,
The receiver may further comprise:
When a predetermined card and tagging are performed by the digital system that has received the payment related information, a confirmation signal is received from the digital system,
The control unit,
If the confirmation signal is received by the receiving unit and the card identification information of the card is stored in advance in the DB, the card payment approval is performed using the digital system and the tagged tag as payment means corresponding to the payment related information. Payment side system, characterized in that.
The method of claim 16, wherein the DB,
Stores the identification information of the digital system that can request payment,
The control unit,
The identification information of the digital system is stored in the DB, the payment side system characterized in that to transmit the payment information to the digital system or to approve the card payment.
17. The apparatus of claim 16,
When the confirmation signal is received, the card payment is approved using the card information of the card stored in the DB so as to correspond to the identification information of the digital system, or the card included in the confirmation signal received from the digital system. The payment side system, characterized in that for approving the card payment using at least part of the card information of the card.

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