KR20140017273A - Method and system of payment using a mobile terminal - Google Patents

Method and system of payment using a mobile terminal Download PDF

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Publication number
KR20140017273A
KR20140017273A KR1020120084021A KR20120084021A KR20140017273A KR 20140017273 A KR20140017273 A KR 20140017273A KR 1020120084021 A KR1020120084021 A KR 1020120084021A KR 20120084021 A KR20120084021 A KR 20120084021A KR 20140017273 A KR20140017273 A KR 20140017273A
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KR
South Korea
Prior art keywords
payment
information
pos terminal
management server
terminal
Prior art date
Application number
KR1020120084021A
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Korean (ko)
Inventor
이민구
김동완
최라운
Original Assignee
주식회사 케이티
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Priority to KR1020120084021A priority Critical patent/KR20140017273A/en
Publication of KR20140017273A publication Critical patent/KR20140017273A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/227Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification

Abstract

The present invention provides a payment method using a mobile terminal. In the payment method according to an embodiment of the present invention, the authentication information providing step of providing authentication information necessary for an authentication procedure with respect to a management server in which payment means information of each of a plurality of payment means available for payment is provided to the POS terminal, the POS terminal Providing payment means identification information for providing the payment terminal identification information indicating the selected payment method to be used for payment among the plurality of payment means to the POS terminal, and the POS terminal providing payment means identification information to the management server. And a payment result receiving step of receiving the payment result obtained by the POS terminal providing the payment means information of the selected payment means obtained from the management server to a payment system corresponding to the selected payment means.

Description

METHOD AND SYSTEM OF PAYMENT USING A MOBILE TERMINAL}
The present invention relates to a payment method, and more particularly to a payment method and system using a portable terminal.
In the past, cash was mainly used as a payment method for beneficiaries to provide goods or services of suppliers. However, as the credit society enters, there are many payment methods that can replace cash, such as payments using credit cards, debit cards, prepaid cards, and mobile terminals (eg mobile phones, personal digital assistants, PDAs, etc.). It was. Newly used payment methods have been rapidly increased due to various factors such as payment methods, convenience of carrying, and policy encouragement for the use of new payment methods.
A credit card is a plastic identification card issued by a bank or a large store. It allows you to postpone payments for goods or services, or to withdraw cash from a cash dispenser (CD). The card holder's identification information, password, and the like are stored in the magnetic strip of the card. Credit card merchants access the main computer of the credit card issuing company online through a credit check terminal (CAT) to check the credit card usage limit, account / deposit balance, and validity to allow postpay payment. The bank's CD reads the credit card information to verify the credit card holder's account details and pay cash.
Prepaid cards can be used to pay for goods or services. A prepaid card is a card that can be used at a prepaid card merchant after the card is charged. Prepaid cards are usually given discounts in exchange for prepaid payments, which are often used in industries with high frequency of small cash sales. It features features such as prepaid, variability in use value, anonymity, simplicity of portability, simplicity of use and economical efficiency.
With the emergence of various payment methods, in order to use various payment methods, a payer must carry both a plurality of cards and a mobile terminal, and thus the advantages of convenience of carrying as an alternative payment method of cash are halved. There is a risk that information about means may be leaked to others and misused by others. There is a need to consider a payment method that can efficiently use a plurality of payment means and solve the above problems, and a portable terminal supporting the same.
The problem to be solved by the present invention is to provide a payment method and system for selectively applying any one of a plurality of payment means.
Another problem to be solved by the present invention is to provide a payment method and system for reducing the inconvenience and security risks of the portable payment of a plurality of payment means in a payment method using a plurality of payment means.
According to an aspect of the present invention, a payment method using a portable terminal includes the authentication information necessary for the authentication procedure for the management server 150 in which payment means information of each of a plurality of payment means available for payment is stored in the POS terminal 120. Providing authentication information providing step, Providing payment means identification information providing the POS terminal 120 with payment means identification information indicating the selected payment means to be used for payment among the plurality of payment means to the POS terminal 120 and In addition, the POS terminal 120 provides the payment means identification information to the management server 150 so that the POS terminal 120 receives the payment means information of the selected payment means obtained from the management server 150. And a payment result receiving step of receiving the payment result obtained by providing the payment system 130 corresponding to the means.
The payment means identification information may be obtained based on a list of the plurality of payment means information provided by the management server 150 after authentication with the management server 150 using the authentication information.
The list of payment means information may be provided to the POS terminal 120 by the management server 150.
The providing of the payment means identification information may further include selecting at least one payment means from a list of the payment means information displayed on the POS terminal 120.
The list of payment means information may be provided to the portable terminal by the management server 150.
The list of payment means information may be transmitted through a secure channel established between the management server 150 and the portable terminal via the POS terminal 120.
The providing of the payment means identification information may further include selecting at least one payment means from a list of the payment means information displayed on the portable terminal.
The list of payment means information may be displayed by the names of each of the plurality of payment means in a preset converted form.
The list of payment means information may further include additional information for referencing the payment method to be used for payment.
The authentication information may be a phone number or a MAC address of the mobile terminal 110.
According to another aspect of the present invention, in the payment system using the mobile terminal 110, a plurality of payment means information that the payer can use for payment is stored, at least a plurality of payment means at the request of the POS terminal 120 or the mobile terminal Management server 150 for providing the payment means information of the selected payment means to be used for payment among the information to the mobile terminal 110 or the mobile terminal 110, the payment system 130 in which payment by the selected payment means is performed The POS terminal 120 and the POS terminal 120 which obtain payment means information of the selected payment means from the management server 150 and provide the payment means information to the payment system 130 to perform a payment. It includes a portable terminal for providing the POS terminal 120 with the authentication information required for the payment means information providing request of the selected payment means to the management server 150 of the.
A secure channel through the POS terminal 120 may be generated between the management server 150 and the portable terminal.
In performing payment by selectively using any one of a plurality of payment means, it is possible to reduce portable inconvenience and security vulnerability caused by having to carry all the plurality of payment means related information.
1 is a view showing the configuration of a payment system that can be implemented payment method according to the present invention.
2 to 5 are diagrams showing the payment method according to each embodiment of the present invention according to the flow of the procedure.
While the present invention has been described in connection with certain exemplary embodiments, 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 similarities. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. In addition, numerals used in the description of the present invention are merely an identifier for distinguishing one component from another.
Also, in this specification, when an element is referred to as being "connected" or "connected" with another element, the element may be directly connected or directly connected to the other element, It should be understood that, unless an opposite description is present, it may be connected or connected via another element in the middle.
In the present specification, 'providing information' to one component means that the component providing the information transfers the information to the component to which the information is provided. The transfer of information may be performed by transmitting information using various communication protocols applicable to wired / wireless networks, or through simple input of the corresponding information by a management agent of each component. There is no particular limitation on the method used for transferring information unless there is a description limiting the method. In addition, 'obtaining information' by an element means obtaining information through a method of receiving information from another component or simply receiving information from a management entity.
Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In order to facilitate a thorough understanding of the present invention, the same reference numerals are used for the same means regardless of the number of the drawings.
1 is a simplified configuration of a system in which a payment method according to an embodiment of the present invention can be implemented.
A system in which a payment method according to an embodiment of the present invention can be implemented includes a mobile terminal 110, a POS terminal 120, a payment system 130, and a management server 150.
The portable terminal 110 is a terminal of a payer who receives goods or services from a provider and wants to pay the money in return. The mobile terminal 110 provides the information of the payer side to the POS terminal 120, the payment system 130, or the management server 150 in the payment process, or the POS terminal 120, the payment system 130, or the management server 150. ) Is a terminal for obtaining information provided to the payer side. In this case, the information acquisition from the management server 150 or the payment system 130 may be obtained directly from the corresponding component or through the POS terminal 120, and may provide information to the management server 150 or the payment system 130. May be provided directly to the corresponding component or made through the POS terminal 120.
The portable terminal 110 may be a terminal carried by a payer, and the portable terminal 110 may be connected to the POS terminal 120, the payment system 130, or the management server 150 by a wired / wireless communication network. The mobile terminal 110 may have a unique identifier, and may include a communication interface, an information input unit, and an information output unit for use of a wired / wireless communication network according to a method of obtaining information and providing information. Information provided by the mobile terminal 110 may be visualized through a screen or the ground through the information output unit.
In more specific example, the mobile terminal 110 may be a terminal having a communication interface portable by an individual such as a mobile phone or a PDA, and includes a phone number assigned to the terminal and a MAC address of a network interface card (NIC) of the terminal. The medium access control address may be an example of an identification number unique to the mobile terminal 110. The display unit of the mobile phone or PDA corresponds to an example of the information output unit, and the printer provided or connected to the terminal is an example of the output unit in the embodiment of visualizing through the ground. A keypad implemented in a display unit using a touch panel according to a keyboard, a keypad of a mobile phone or a PDA, or a user interface (UI) of a terminal may be an example of an information input unit.
The POS terminal 120 is a terminal of a provider that provides goods or services to a payer or a third party and requests payment in exchange for providing the goods or services. The POS terminal 120 obtains information from the mobile terminal 110, the management server 150, or the payment system 130 in the payment process, or transmits the information to the mobile terminal 110, the management server 150, or the payment system 130. The terminal performs a role of providing.
The POS terminal 120 may be connected to the mobile terminal 110, the payment system 130, or the management server 150 by a wired / wireless communication network. The POS terminal 120 may have a unique identifier, and may include a communication interface, an information input unit, and an information output unit for using a wired / wireless communication network according to a method of obtaining information and providing information. The information provided by the POS terminal 120 may be visualized through a screen or a ground through the information output unit. As a specific example, the POS terminal 120 may be one terminal configuring a point of sale information management system (POS system) or a POS system.
The payment system 130 may provide information necessary for payment from the POS terminal 120 (for example, information indicating a payment method, information required for authentication associated with payment using the payment method, payment history related information, including a payment amount, and a provider). Identification information, etc.), and perform a payment by the corresponding payment means and transmit the result to the POS terminal 120. The payment system 130 may exist as many as a plurality of payment means included in the management server 150, which will be described later, and may change its operating body for each payment method. The information indicating the payment means may be used to select a payment server to make a payment.
The management server 150 stores the information about the payment method that the payer can use for payment and makes payments from information or payment server that can be used to select a payment method in response to a request of the mobile terminal 110 or the POS terminal 120. It serves to provide the POS terminal 120 or the portable terminal 110 with information about a specific payment means required to proceed. The management server 150 may go through an authentication process for determining whether the information providing request is made by the payer before providing the above-described information by request, and the management server 150 may include information related to a plurality of payment means. In addition to the database unit 151 for storing the authentication unit 152 may further include an authentication procedure. The database unit 151 and the authentication unit 152 may be implemented as separate servers to be managed by different operating entities, and the database unit 151 may be provided by a cloud service.
The database unit includes information about a plurality of payment means. The information about the plurality of payment means may include names of each of the plurality of payment means and information necessary for each payment (for example, a credit card number, an expiration date, a coupon number, and an expiration date of the coupon). More specifically, the management server 150 stores the information about the means that can be used to make payments, such as credit card, check card, discount coupon, mobile phone payment, prepaid card, payment or discount of all or part of the payment do. In addition, the detailed information for each payment method, for example, card number, coupon number, mobile phone identification number, expiration date, authentication information, etc. necessary to perform the payment in the payment system 130 using the corresponding payment means is stored. In addition to this, according to an embodiment, additional information related to each payment means may be provided by the management server 150. A method of obtaining / providing additional information by the management server 150 will be described in more detail below with reference to related embodiments. Let's do it.
2 shows a payment method according to an embodiment of the present invention according to the procedure of the procedure.
2 and the following embodiments are examples of a case where the database unit 151 and the authentication unit 152 of the management server 150 are configured as separate servers. In the following example, the cloud 151 corresponds to an example of the database unit 151 implementation of the management server 150, the authentication server 151 is an example of the case where the authentication unit of the management server 150 is configured as a separate server. .
The mobile terminal 110 provides authentication information and payment means identification information to the POS terminal 120. The authentication information is information necessary for authentication for accessing information about each payment method stored in the management server 150, and the payment method identification information includes a payment person among the plurality of payment methods stored in the management server 150. Information indicating a payment method selected to be used for payment.
The POS terminal 120 provides the management server 150 with authentication information and payment means identification information obtained from the mobile terminal 110. The authenticator 152 of the management server 150 may determine whether to allow access to payment method related information of the payer registered in the management server 150 by performing an authentication procedure using the authentication information. Depending on the embodiment, the authentication process can be performed using any authentication method such as AKA using USIM, TLS using a certificate, ID / PW authentication method, or biometric authentication method, and various selections are made in consideration of security and convenience. Can be.
When the authentication is made, the authenticator 152 transmits payment means identification information indicating the requested specific payment method to the database unit 151, obtains specific payment means information, and provides the payment means information to the POS terminal 120. do.
The POS terminal 120 provides the payment means information, the payment amount, transaction details, provider identification information, etc. to the payment system 130 and requests a payment.
The payment system 130 proceeds with the payment based on the payment means information acquired from the POS terminal 120 and the payment amount, transaction history, provider identification information, and the like, and transmits the payment result to the POS terminal 120 and the portable terminal 110. To provide.
According to the embodiment described with reference to FIG. 2, the mobile terminal 110 transmits the payment means identifier along with the authentication information to the management server 150 through the POS terminal 120. That is, the embodiment of FIG. 2 assumes a situation in which a payment method to be used for payment is predetermined. However, in order for the payer to select a payment method in advance, the portable terminal 110 should grasp information about currently available payment methods registered in the management server 150. The payment methods that can be used at this time are subject to change, especially considering that payment methods (e.g., coupons with a due date, prepaid cards, etc.) that have a fixed period of use can be used as payment methods. The procedure for acquiring the information about the mobile terminal 110 may be further needed. Hereinafter, related embodiments will be described with reference to the accompanying drawings.
3 is a flowchart illustrating a payment method according to another embodiment of the present invention, including a procedure for acquiring payment means information available at this time, in the order of the procedure.
The embodiment of FIG. 3 may be initiated when the portable terminal 110 does not have information on the payment means available at the time of payment, or when the information needs to be updated, or by the choice of the payer. The embodiment of FIG. 3 differs from the embodiment of FIG. 2 in that a list of payment methods available through the POS terminal 120 is obtained and selection of the payer side is made based on the list of payment methods obtained thereafter.
 Unlike the embodiment of FIG. 2, the mobile terminal 110 does not provide payment method identification information indicating a payment method to the POS terminal 120, but provides only authentication information. The POS terminal 120 transmits the corresponding authentication information to the management server 150 to perform an authentication procedure. If authentication is normally completed and access to the database unit 151 of the management server 150 is allowed, a payment method list is obtained by requesting a payment method list.
The management server 150 provides the acquired payment method list to the POS terminal 120, and the POS terminal 120 outputs the acquired payment method list through the information output unit. 3 is an example showing the obtained payment means list on the display of the POS terminal 120. When the payment method is selected in the payment method list, the POS terminal 120 that obtains the payment method identification information of the selected payment method provides the payment system information, the payment amount, transaction details, and provider identification information to the payment system 130. Ask for payment.
The payment system 130 proceeds with the payment based on the payment means information acquired from the POS terminal 120 and the payment amount, transaction history, provider identification information, and the like, and transmits the payment result to the POS terminal 120 and the portable terminal 110. To provide.
According to the embodiment of Figure 3, the POS terminal 120 is provided with a list of payment means including all available payment means information of the payer there is a risk of unnecessary information exposure for security. In order to solve this problem will be described a modified embodiment of the enhanced security in providing a list of payment methods.
According to the modified embodiment, the individual payment means may be displayed in a modified form in the list of payment means acquired by the POS terminal 120 from the management server 150. The modified embodiment can be solved by presenting a security vulnerability caused by the list of available payment means displayed on the POS terminal 120 in a modified form that only the payer can know.
The modified form of the payment means is sufficient to indicate each of the payment means that only the payer can recognize, there is no particular limitation on the form. In a specific embodiment, it may be represented by an image, an icon, or the like, which may be displayed on a display, a symbol, a character, a figure, or a combination thereof, respectively, indicating the individual payment means set by the payer. According to an embodiment, in providing the modified payment method list, additional information that may be referred to in selecting the payment method may be provided to the POS terminal 120. The additional information may be a payment amount, a discount rate, an expiration date, etc. of the individual payment means. However, even in the case of the modified embodiment, there may still be a security vulnerability in that payment means information of all the individual payment means available at the time of payment is provided to the POS terminal 120. Hereinafter will be described another embodiment of the present invention that can solve this problem.
4 shows a payment method according to another embodiment of the present invention.
According to the embodiment of FIG. 4, the mobile terminal 110 does not provide payment method identification information indicating a payment method to the POS terminal 120, but provides only authentication information. The POS terminal 120 transmits the corresponding authentication information to the management server 150 to perform an authentication procedure. If authentication is normally completed and access to the database unit 151 of the management server 150 is allowed, a payment method list is obtained by requesting a payment method list. The payment method list is a list including only identification information of available payment methods, not including payment method information of individual payment methods.
The management server 150 provides the acquired payment method list to the POS terminal 120, and the POS terminal 120 outputs the acquired payment method list through the information output unit. When the payment method is selected from the payment method list, the POS terminal 120 obtaining the payment method identification information indicating the selected payment method requests the management server 150 for the selected payment method information. The payment method information request for the selected payment method is transmitted to the database unit 151 after authentication of the authentication unit 152, and the database unit 151 transmits the payment method information for the selected payment method through the authentication unit 152. Provided to the POS terminal 120.
The POS terminal 120 provides the payment method information payment amount, transaction details, provider identification information, etc. to the payment system 130 and requests a payment.
The payment system 130 proceeds with the payment based on the payment means information acquired from the POS terminal 120 and the payment amount, transaction history, provider identification information, and the like, and transmits the payment result to the POS terminal 120 and the portable terminal 110. To provide.
In the embodiment of FIG. 4, as in the modified embodiment of FIG. 3, the payment method list may be provided to the POS terminal 120 in a modified form, and may include additional information that may be referred to for selecting the payment method. .
In the embodiment of FIG. 3 and the embodiment of FIG. 4 described above, a list of available payment methods is displayed on the POS terminal 120, and the payment method identification information selected from the list of payment methods is obtained by the POS terminal 120. to be. However, there is no display unit to display a list of selectable payment methods on the POS terminal 120, or it is not appropriate to display on the POS terminal 120 in view of the payment environment, so that the payer can use the mobile terminal 110 through the mobile terminal 110. Consider a case where it is preferable to check the list and obtain payment means identification information indicating the selected payment means through the mobile terminal 110. For example, the payer side obtains and provides payment means information of a plurality of payment means from the management server 150, or selects a payment method directly from the portable terminal 110 and performs PIN verification for further verification, such as a PIN. It can be assumed that the case should be proceeded with. The following embodiment of Figure 5 shows a payment method that can be applied in the above-described situation.
One of the features distinguished from the embodiments of FIGS. 3 and 4 is that a list of selectable payment means is displayed on the mobile terminal 110, and payment means identification information indicating the selected payment means is also acquired by the mobile terminal 110. Is that. As another feature, a secure channel for exchanging information between the management server 150 and the mobile terminal 110 may be established. The generation of the secure channel may be generated using a session secret key generated as a result of authentication.
According to the embodiment of FIG. 5, the mobile terminal 110 does not provide payment method identification information indicating a payment method to the POS terminal 120, but provides only authentication information. The POS terminal 120 transmits the corresponding authentication information to the management server 150 to perform an authentication procedure. If the authentication is normally completed, the request is made via the POS terminal 120 to establish a secure channel between the authenticator 152 and the portable terminal 110. Thereafter, the mobile terminal 110 generates a secure channel via the authenticator 152 and the POS terminal 120. If the authentication result management server 150 access to the database unit 151 is allowed, the payment method list is requested to obtain a payment method list.
The management server 150 provides the obtained payment means list and respective payment means information to the mobile terminal 110 through a secure channel, and the mobile terminal 110 outputs the acquired payment means list through the information output unit. When the payment method is selected from the payment method list, the mobile terminal 110 that obtains payment method identification information indicating the selected payment method provides the payment method information of the selected payment method to the POS terminal 120, and the POS terminal ( 120 provides payment method information, payment amount, transaction details, provider identification information, etc. to the payment system 130 and requests payment.
The payment system 130 proceeds with the payment based on the payment means information acquired from the POS terminal 120 and the payment amount, transaction history, provider identification information, and the like, and transmits the payment result to the POS terminal 120 and the portable terminal 110. To provide.
The embodiment of FIG. 5 is the same in that the payment means information of each available payment means is provided by the management server 150 as in the embodiment of FIG. 3, but is provided to the mobile terminal 110 through a secure channel. Security problems that may occur in the embodiment 3 can be prevented. In the embodiment of FIG. 5, additional information that may be referred to selection of a payment method may be included in the payment method list provided to the mobile terminal 110 as in the other embodiments described above. In addition to the above-described additional information, additional information that may be linked to payment related applications of the mobile terminal 110 may be included in the payment means list. For example, it may be provided as balance information of an account linked to each payment means of the mobile terminal 110 or information additional information about an operation principal of the payment means, and according to provider information that can be obtained from the POS terminal 120. Credit card information, voucher information, coupon information, and the like, discounted to the provider may be provided as additional information. The management server 150 inquires or requests information from a server (eg, an information providing server of a credit card company, a financial institution, or a telecommunication company) that provides additional information related to each payment method in order to obtain additional information related to available payment methods. The additional information can be obtained or updated by receiving or transmitting the data.
In each embodiment requiring the selection of a payment method from the above-mentioned payment method list, the mobile terminal 110 may select and display an optimal payment method on the basis of additional information that may be referred to the payment method.
On the other hand, the payment method according to each embodiment of the present invention described above may be implemented in the form of program instructions that can be executed through various electronic means for processing information may be recorded in the storage medium. The storage medium may include program instructions, data files, data structures, and the like, alone or in combination.
Program instructions to be recorded on the storage medium may be those specially designed and constructed for the present invention or may be available to those skilled in the art of software. Examples of storage media include magnetic media such as hard disks, floppy disks and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic-optical media such as floppy disks. hardware devices specifically configured to store and execute program instructions such as magneto-optical media and ROM, RAM, flash memory, and the like. In addition, the above-described medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as devices for processing information electronically using an interpreter or the like, for example, a high-level language code that can be executed by a computer.
The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.
While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and detail may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. It will be understood that the invention may be varied and varied without departing from the scope of the invention.

Claims (12)

  1. In the payment method using a mobile terminal,
    An authentication information providing step of providing the POS terminal with authentication information necessary for an authentication procedure for a management server in which payment means information of each of the plurality of payment means available for payment is stored;
    Providing payment means identification information to the POS terminal, the payment means identification information indicating the selected payment means to be used for payment among the plurality of payment means to the POS terminal; And
    The POS terminal provides payment means identification information to the management server to provide the payment means information of the selected payment means obtained from the management server by the POS terminal to the payment system corresponding to the selected payment means. Receiving a payment result receiving step; Payment method comprising a.
  2. The method of claim 1,
    The payment means identification information,
    After the authentication is made to the management server using the authentication information, the payment method is obtained based on the list of the plurality of payment means information provided by the management server (150).
  3. 3. The method of claim 2,
    The list of payment means information is provided to the POS terminal by the management server.
  4. The method of claim 3, wherein
    The payment method identification information providing step,
    And selecting at least one payment method from the list of payment means information displayed on the POS terminal.
  5. 3. The method of claim 2,
    The list of payment means information is provided to the portable terminal by the management server.
  6. 6. The method of claim 5,
    The list of payment means information is transmitted through a secure channel established between the management server and the portable terminal via the POS terminal.
  7. The method according to claim 6,
    The payment method identification information providing step,
    Selecting at least one payment means from a list of payment means information displayed on the mobile terminal.
  8. 3. The method of claim 2,
    The list of payment means information is a payment method displayed by the name of each of the plurality of payment means in a predetermined converted form.
  9. 3. The method of claim 2,
    The payment method information list further includes additional information that can refer to the payment method to be used for payment selection.
  10. The method of claim 1,
    The authentication information is a phone number or MAC address of the portable terminal.
  11. A plurality of payment means information that the payer can use for payment is stored, and the payment means information of the selected payment means to be used for payment among the at least a plurality of payment means information to the portable terminal or the portable terminal at the request of the POS terminal or the portable terminal. Providing a management server;
    A payment system in which payment by the selected payment means is performed;
    The POS terminal obtaining payment means information of the selected payment means from the management server and providing the payment means information to the payment system to perform a payment; And
    And a portable terminal for providing the POS terminal 120 with authentication information necessary for requesting to provide payment means information of the selected payment means to the management server of the POS terminal.
  12. 12. The method of claim 11,
    The payment system using a mobile terminal, a secure channel is generated between the management server and the mobile terminal via the POS terminal.
KR1020120084021A 2012-07-31 2012-07-31 Method and system of payment using a mobile terminal KR20140017273A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105096112A (en) * 2014-04-29 2015-11-25 上海奇虎科技有限公司 Short-distance payment method and system and server
KR20190097338A (en) * 2018-02-09 2019-08-21 주식회사 한줌 Automatic selling system and method using hashcode

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105096112A (en) * 2014-04-29 2015-11-25 上海奇虎科技有限公司 Short-distance payment method and system and server
KR20190097338A (en) * 2018-02-09 2019-08-21 주식회사 한줌 Automatic selling system and method using hashcode

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