KR20140046828A - System and method for settlement using nfc - Google Patents

System and method for settlement using nfc Download PDF

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Publication number
KR20140046828A
KR20140046828A KR1020120112988A KR20120112988A KR20140046828A KR 20140046828 A KR20140046828 A KR 20140046828A KR 1020120112988 A KR1020120112988 A KR 1020120112988A KR 20120112988 A KR20120112988 A KR 20120112988A KR 20140046828 A KR20140046828 A KR 20140046828A
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Prior art keywords
card information
information
card
user
virtual card
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KR1020120112988A
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Korean (ko)
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이왕주
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와이엠디(주)
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Priority to KR1020120112988A priority Critical patent/KR20140046828A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4093—Monitoring of device authentication

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a financial service system and a financial service method using near field communication (NFC). A financial service system of the present invention includes: a card company server for storing and managing card information and user information of a user who gets a card; a user terminal which has an NFC function, and stores virtual card information received by requesting the virtual card information which is to be used in payment using the card, and transmits the virtual card information through a NFC communication method in case of card payment; and a mediation server which receives and stores the user information and the card information from the card company server, and searches the user information and the card information in case the virtual card information request is received from the user terminal, and then provides the user information and the card information for a corresponding user terminal. By this, the present invention can improve security level of a financial service by preventing leakage of financial information of a user by changing financial information stored in the user terminal continuously, by replacing financial information used in the payment using a local area wireless communication such as NFC with variable virtual card information with restricted usage period. [Reference numerals] (100) A card company server; (300) User terminal; (500) Payment terminal; (AA) Short-distance communication; (BB) Mediation server; (CC) A card company DB; (DD) B card company DB; (EE) C card company DB; (FF) B card company server; (GG) C card company server

Description

Financial service system and method using short-range wireless communication {SYSTEM AND METHOD FOR SETTLEMENT USING NFC}

The present invention relates to a financial service system and method using short-range wireless communication. More specifically, the financial information used for payment using short-range wireless communication such as NFC may be used as virtual virtual card information with a limited number of times of use and a period of use. Alternatively, the present invention relates to a financial service system and method using short-range wireless communication that can improve the security level of financial services by preventing the financial information of the user from being leaked by continuously changing the financial related information stored in the user terminal. .

BACKGROUND ART A technology for providing a financial service by adding a payment function to a mobile communication terminal such as a smartphone, a tablet, a PDA, and the like has become common.

One example is using a Subscriber Identity Module (SIM). A SIM card is a type of IC card inserted and mounted in a mobile communication terminal. The SIM card stores credit card information issued by a financial institution in a SIM card and performs a financial transaction through wireless communication using the information stored in the SIM card.

Meanwhile, the universal subscriber identity module (USIM) installed in the third generation mobile communication terminal is a combination of a subscriber identity module (SIM) card and a universal IC card (UICC), and can implement various functions such as user authentication, global roaming, and e-commerce. have.

When providing a financial service using a USIM card, an OTA (Over The Air) service is used. The OTA service can store or update data in the USIM via the infrastructure of the mobile communication terminal. The OTA service can store and use an encrypted card number in the USIM in an OTA manner. However, the card number stored in the USIM is unique information used when paying for the card, and may cause a problem in security when the USIM or the terminal equipped with the USIM is lost. In addition, there is a risk of hacking because the card number is transmitted to the payment terminal as it is when using the USIM.

Recently, various types of financial transaction systems using near field communication (NFC) have been developed. NFC is a technology that transmits period data at a short distance of about 10 cm using a frequency band of 13.56 MHz, and can transmit data in two directions, and can be applied to various fields such as mobile finance, payment, and user authentication. Therefore, a consensus has been formed that more convenient financial transactions can be made by actively utilizing the advantages of NFC, and development of various types of financial transaction systems using NFC has been called for.

The present invention has been made in order to solve the above-described problems, the financial information used for payment using short-range wireless communication such as NFC is stored in the user terminal by replacing the number of times of use, variable virtual card information with a limited use period There is a technical problem to provide a financial service system and method using short-range wireless communication that can improve the security level of financial services by preventing the leakage of financial information of the user by constantly changing the financial-related information.

According to an aspect of the present invention for solving the above problems, the card company server for storing and managing the user information and card information of the user who issued the card; A user terminal having a short range wireless communication function, requesting virtual card information to be used for payment using the card, storing the received virtual card information, and transmitting the virtual card information in a short range wireless communication method during card payment; And receiving and storing the user information and the card information from the card company server, and searching the user information and the card information to provide the virtual card information to the corresponding user terminal when the virtual card information request is received from the user terminal. Provided is a financial service system using near field communication including an intermediary server.

According to another aspect of the present invention for solving the above problems, the step of storing the user information and issued card information of the user who issued the card in the card company server and transmitting the user information and the card information to the mediation server; Receiving and storing the user information and the card information in the relay server; Requesting virtual card information from the user terminal at the intermediate server; Retrieving the user information and the card information and providing the virtual card information to the corresponding user terminal when receiving the virtual card information request from the relay server; And receiving and storing the virtual card information at the user terminal, and transmitting the virtual card information in a short range wireless communication method when the card is settled.

According to the financial service system and method using the short-range wireless communication of the present invention as described above, by replacing the financial information used for payment using the short-range wireless communication such as NFC with variable virtual card information with a limited number of times of use and use period In addition, the financial information stored in the user terminal may be continuously changed, thereby preventing the user's financial information from being leaked, thereby improving the security level of the financial service.

1 is a block diagram of a financial service system using short-range wireless communication according to an embodiment of the present invention;
2 is a flowchart of a card registration method of a financial service system using short-range wireless communication according to an embodiment of the present invention;
3 is a display state diagram of a user interface displayed on a user terminal of a financial service system using short-range wireless communication according to an embodiment of the present invention;
4 is a control block diagram of a financial service system using short-range wireless communication according to a first embodiment of the present invention;
5 is a payment flowchart of a financial service system using short-range wireless communication according to a first embodiment of the present invention;
6 is a control block diagram of a financial service system using short-range wireless communication according to a second embodiment of the present invention;
7 is a payment flowchart of a financial service system using short-range wireless communication according to a second embodiment of the present invention;
8 is a control block diagram of a financial service system using short-range wireless communication according to a third embodiment of the present invention;
9 is a payment flowchart of a financial service system using short-range wireless communication according to a third embodiment of the present invention;
10 is a control block diagram of a financial service system using short-range wireless communication according to a fourth embodiment of the present invention;
11 is a payment flowchart of a financial service system using short-range wireless communication according to a fourth embodiment of the present invention;
12 is a control block diagram of a financial service system using short-range wireless communication according to a fifth embodiment of the present invention;
13 is a payment flowchart of a financial service system using short-range wireless communication according to a fifth embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description with reference to the accompanying drawings, the same or corresponding components will be denoted by the same reference numerals, and redundant description thereof will be omitted.

1 is a block diagram of a financial service system using short-range wireless communication according to an embodiment of the present invention.

As shown in Figure 1, the financial service system using a short-range wireless communication, the card company server 100, a user terminal having a short-range wireless communication function and the payment management app 400 for using the card issued by the card company ( 300 and the intermediary server 200 to mediate between the card company server 100 and the user terminal 300 so that the variable virtual card information is stored in the user terminal 300 according to the card information provided by the card company server 100 Include.

The card company server 100 issues a card having a payment function to the user and manages the user information and the issued card information by database. The card company server 100 receives data related to the transaction approval request from the payment terminal 500, and stores user information, product order information, payment amount, and merchant information included in the data related to the transaction approval request. Compare the data to see if the transaction between the cardholder and the merchant is valid. The card company server 100 transmits the transaction approval result for the transaction approval request to a value added network (VAN) company that relays the payment approval request and transmits the result to the payment terminal 500 of the corresponding affiliated store.

The user terminal 300 is installed with a payment management app 400 for managing and using the card issued by the card company. The payment management app 400 of the user terminal 300 provides an interface for managing card information available in the user terminal 300. The user terminal 300 may transmit the payment information to the payment terminal 500 using the short range wireless communication function according to the user's payment selection. The short range wireless communication method may be a communication method such as Bluetooth, Near Field Communication (NFC), or the like. In addition, the user terminal 300 may display the virtual card information in the form of a barcode or OTP number according to the user's payment selection. The virtual card information indicated by the barcode may be input to the payment terminal 500 through the barcode inputter, and the virtual card information of the OTP numeric form may be input by the keypad of the POS machine. As such, as the user terminal 300 performing the payment function using the virtual card information, a mobile device capable of performing the payment function in a short range wireless communication method such as a smartphone, a tablet, a PDA, a notebook, a mobile phone, and the like may be applied. have.

The mediation server 200 provides the user terminal 300 with the virtual card information generated in a manner promised to the card company at the request of the user terminal 300. Here, since the virtual card information is generated in a promised manner to the card company so that it can be matched with the card information of the card, the virtual card information is not included. In addition, the number of validity periods or validity periods of the virtual card information is limited, and the use of the virtual card information is limited when the validity number or period of time has passed. The intermediary server 200 receives the card information selected by the user from the payment management app 400 of the user terminal 300, the virtual card information generated in a manner agreed with the card company of the card provided to the user terminal 300 Be sure to Here, the virtual card information may be generated directly by the intermediary server 200 or may be generated by the card company server 100. Here, the virtual card information can be generated in the form of a card number, a card ID, or a bar code, an OTP number, etc. transmitted by the NFC method.

According to this configuration, the financial service system using the short range wireless communication according to the embodiment of the present invention replaces the short range wireless communication by replacing the card information used in the user terminal 300 with virtual card information having a limited number of validity periods or valid periods. When using the payment function, the variable virtual card information is used. Accordingly, it is possible to prevent the user's card information is leaked to the outside when using the payment function, and since the actual card information is not stored in the user terminal 300, the financial information security level can be strengthened.

2 is a flowchart illustrating a card registration method of a financial service system using short-range wireless communication according to an exemplary embodiment of the present invention. A user who wants to use the virtual card information service may request a service registration from the card company.

Accordingly, the card company server 100 registers in the database after authenticating the card that the user has requested to register (S10). The user may request card registration by using the Internet or a telephone, and visit the bank in person to request registration. Here, the card company server 100 may be replaced with a bank server or other financial-related server that can provide a payment function.

The card company server 100 transmits the card company name, card name, card number, and telephone number of the user terminal 300 registered by the user to the intermediation server 200 (S20). The intermediate server 200 stores the information received from the card company server 100 in the database. Therefore, when the mediation server 200 receives a request for issuing virtual card information from the user terminal 300, the intermediate server 200 checks the card information of the corresponding user in the database and provides the virtual card information to the user terminal 300.

3 is a state diagram of a user interface displayed on a user terminal 300 of a financial service system using short-range wireless communication according to an exemplary embodiment of the present invention.

The user terminal 300 is installed with a payment management app 400 for managing and using the card issued by the card company. Payment management app 400 may provide a menu such as card information, card settings, password changes.

The card information menu displays a list of cards that can be used in the user terminal 300 and provides an interface for the user to select a card to be used.

The card setting menu provides an interface for selecting a card use type to be used in the user terminal 300. Thus, the user can select any one of the card of the NFC method, the card issued by the bar code, the card issued by the OTP number through the card setting menu, it is possible to set the number and the validity period of the issued card.

The card information menu provides an interface for selecting and setting a password for each card or an integrated password for card issuance.

With such a configuration, the user can directly set and manage the type of card to be used for the virtual card information, the card issuing form, the number of validity periods and the validity period of the virtual card information, and the like.

4 is a control block diagram of a financial service system using short-range wireless communication according to a first embodiment of the present invention, illustrating a system configuration when issuing virtual card information of a one-time NFC card.

The first embodiment of the present invention stores the unique ID (OID: Object Identifier) generated when the card company server 100 issuing the card in the database 210 of the mediation server 200, so that the user of the user at the mediation server 200 can be stored. An example of generating one-time NFC virtual card information using a unique ID (OID: Object Identifier) is illustrated.

The card company server 100 stores a card company name registered by a user, a card name, a card number, and a phone number of the user terminal 300, and the information is transmitted to the intermediary server 200. Here, the card number may be used as an object identifier (OID).

The intermediate server 200 is a database 210 in which the card information of the user provided by the card company server 100 is stored, a unique ID storage unit 220 in which the unique ID is stored, and a one-time NFC virtual card information generator ( 230).

The unique ID storage unit 220 may store an even ID unique ID to be used when an issuing request date is an even number and an odd ID unique ID to be used when an odd number is used.

The one-time NFC virtual card information generator 230 generates one-time NFC virtual card information corresponding to the unique ID of the user who requested the virtual card information issue and transmits the one-time NFC virtual card information to the user terminal 300. Here, the one-time NFC virtual card information is generated using an even-day unique ID and an odd-day unique ID if the issue request date is an even number.

The user terminal 300 receives the one-time NFC virtual card information from the mediation server 200 and stores it in the terminal. The one-time NFC virtual card information is stored in the USIM, NFC communication module, memory, etc. of the user terminal 300, and may be transmitted to the payment terminal 500 in the NFC communication method when performing the payment function.

According to this configuration, the payment system according to the first embodiment of the present invention stores the unique ID in the mediation server 200, and the one-time in the mediation server 200 in response to the virtual card information issuance request of the user terminal 300 The NFC virtual card information is generated and transmitted to the user terminal 300.

FIG. 5 is a flowchart illustrating a payment of a financial service system using short-range wireless communication according to a first embodiment of the present invention, and using the one-time NFC virtual card information issued from the intermediary server 200 according to the first embodiment. In the case of payment, the control flow is illustrated.

The user executes the payment management app 400 installed in the user terminal 300 and stores and receives the one-time NFC virtual card information (S110). When the payment management app 400 is executed in the user terminal 300 and a preset password is input, the mediation server 200 generates one-time NFC virtual card information according to the unique ID of the user to the user terminal 300. Transmit one-time NFC virtual card information.

The user terminal 300 requests the card payment by transmitting the one-time NFC virtual card information to the payment terminal 500 (S120).

Accordingly, the payment terminal 500 transmits the one-time NFC virtual card information received from the user terminal 300, the merchant code, the payment amount and the corresponding VAN information to the intermediary server 200 to request the card payment approval (S130). ).

The mediation server 200 changes the one-time NFC virtual card information received from the payment terminal 500 to the corresponding unique ID information (S140).

The mediation server 200 transmits the unique ID, the merchant code, and the payment amount to the corresponding VAN company 600 and requests the card payment approval (S150).

Accordingly, the VAN company 600 transmits a unique ID, a merchant code, and a payment amount to the card company server 100 and requests payment approval (S160).

Accordingly, the card company server 100 checks the unique ID, merchant code, and payment amount information to determine whether the transaction generated between the user and the merchant is valid, and then notifies the VAN company 600 of approval (S170), and the VAN company 600 At step S180, the payment terminal 500 may notify that the card payment has been approved.

6 is a control block diagram of a financial service system using short-range wireless communication according to a second embodiment of the present invention, illustrating a system configuration when issuing virtual card information of a one-time NFC card. The second embodiment will be described. In the description, the same components as in the first embodiment will be denoted by the same reference numerals and redundant description thereof will be omitted.

The second embodiment of the present invention illustrates a case where the one-time NFC virtual card information is generated and provided to the user terminal 300 in a state where the unique ID is not stored in the intermediary server 200.

The card company server 100 stores a card company name registered by a user, a card name, a card number, and a phone number of the user terminal 300, and the information is transmitted to the intermediary server 200.

The user executes the payment management app 400 in the user terminal 300 and inputs a preset password to the mediation server 200 may request the one-time NFC virtual card information from the side.

The intermediary server 200 includes a database 210 in which the user's card information provided by the card company server 100 and a one-time NFC virtual card information generator 230 are stored.

The one-time NFC virtual card information generator 230 generates one-time NFC virtual card information corresponding to the card requested by the user based on the user and card related information stored in the database 210. The one-time NFC virtual card information generator 230 transmits the generated one-time NFC virtual card information to the user terminal 300 and the corresponding card company server 100, respectively.

The user terminal 300 receives the one-time NFC virtual card information from the mediation server 200 and stores it in the terminal. The one-time NFC virtual card information is stored in the USIM, NFC communication module, memory, etc. of the user terminal 300, and may be transmitted to the payment terminal 500 in the NFC communication method when performing the payment function.

According to this configuration, the payment system according to the second embodiment of the present invention generates one-time NFC virtual card information in the mediation server 200 according to the request for issuing the virtual card information of the user terminal 300, the user terminal 300 And to the card company server 100 side, respectively.

7 is a flowchart of a payment service of a financial service system using short-range wireless communication according to a second embodiment of the present invention. The payment is made by using the one-time NFC virtual card information issued from the intermediary server 200 according to the second embodiment. In the case of payment, the control flow is illustrated.

The user executes the payment management app 400 installed in the user terminal 300 and stores and receives the one-time NFC virtual card information (S210). When the payment management app 400 is executed in the user terminal 300 and a preset password is input, the mediation server 200 generates one-time NFC virtual card information to be generated by the user terminal 300 and the card company server 100. Transmit one-time NFC virtual card information.

The user terminal 300 transmits the one-time NFC virtual card information to the payment terminal 500 and requests the card payment approval (S220).

Accordingly, the payment terminal 500 transmits the one-time NFC virtual card information received from the user terminal 300, the merchant code, and the payment amount to the VAN company 600 to request the card payment approval (S230). .

Accordingly, the VAN company 600 requests the card payment approval by transmitting the one-time NFC virtual card information, the merchant code, and the payment amount to the card company server 100 (S240).

The card company server 100 compares the one-time NFC virtual card information received from the VAN company 600 with the pre-stored one-time NFC virtual card information to extract the user's card information, and check the merchant code, payment amount information After determining whether the transaction generated between the and the merchant is valid, and notifies the VAN company 600 (S250).

Thus, the VAN company 600 transmits the approval result of the card company server 100 to the payment terminal 500 (S260).

As described above, in the payment system according to the second embodiment of the present invention, the one-time NFC virtual card information generated by the mediation server 200 is stored in both the user terminal 300 and the card company server 100, and the user terminal. When the card payment approval request of (300), the card company server 100 may approve the card payment request using the one-time NFC virtual card information without going through the intermediate server 200 separately.

Meanwhile, one time NFC  When generating the virtual card information, it is also possible to combine only a part of the total card number into a one-time number. For example, the first six digits of the total 16-digit card number remain the same as the existing card, and only the last ten digits are combined into one-time numbers. NFC  Virtual card information can be generated. 1 time NFC  If you keep the first six digits of the virtual card information as the number of the existing card, VAN It is possible to relay the payment by applying the present invention immediately without changing the design of the.

8 is a control block diagram of a financial service system using short-range wireless communication according to a third embodiment of the present invention, which illustrates a system configuration when issuing one-time NFC virtual card information, and describes the third embodiment. In this case, the same reference numerals are used to designate the same components as the above description, and duplicate descriptions will be omitted.

The third embodiment of the present invention illustrates a case where the card company server 100 directly generates one-time NFC virtual card information.

The card company server 100 stores a card company name registered by a user, a card name, a card number, and a phone number of the user terminal 300, and the information is transmitted to the intermediary server 200.

The intermediate server 200 includes a database 210 in which the card information of the user provided by the card company server 100 is stored. When the request for issuing the virtual card information is received from the user terminal 300, the one-time NFC virtual card information is received. You can request Here, the user executes the payment management app 400 in the user terminal 300 and inputs a preset password, the mediation server 200 may request the one-time NFC virtual card information to the side. The mediation server 200 transmits the one-time NFC virtual card information request of the user terminal 300 to the corresponding card company server 100.

On the other hand, the card company server 100 includes a one-time NFC virtual card information generator 130. Accordingly, the card company server 100 generates one-time NFC virtual card information according to the one-time NFC virtual card information request of the user terminal 300 received through the intermediary server 200. The card company server 100 may directly transmit the generated one-time NFC virtual card information to the user terminal 300 or may be transmitted to the user terminal 300 through the intermediary server 200. The card company server 100 stores the one-time NFC virtual card information provided to the user in a database.

According to this configuration, in the payment system according to the third embodiment of the present invention, the mediation server 200 delivers the one-time NFC virtual card information request received from the user terminal 300 to the corresponding card company server 100, and the card company. The server 100 directly generates one-time NFC virtual card information and transmits it to the user terminal 300.

9 is a flowchart illustrating a payment of a financial service system using short-range wireless communication according to a third embodiment of the present invention, and using the one-time NFC virtual card information issued from the card company server 100 according to the third embodiment of the present invention. In the case of payment, the control flow is illustrated.

The user executes the payment management app 400 installed in the user terminal 300 to receive and store the one-time NFC virtual card information (S310). When the payment management app 400 is executed in the user terminal 300 and a preset password is input, the card server generates one-time NFC virtual card information and transmits the generated one-time NFC virtual card information to the user terminal 300. Save it.

The user terminal 300 transmits the one-time NFC virtual card information to the payment terminal 500 and requests the card payment approval (S320).

Accordingly, the payment terminal 500 transmits the one-time NFC virtual card information received from the user terminal 300, the merchant code, and the payment amount to the VAN company 600 to request the card payment approval (S330). .

Thus, the VAN company 600 requests the card payment approval by transmitting the one-time NFC virtual card information, merchant code, payment amount payment amount to the card company server 100 (S340).

The card company server 100 compares the one-time NFC virtual card information received from the VAN company 600 with the pre-stored one-time NFC virtual card information to extract the user's card information, and check the merchant code, payment amount information After determining whether the transaction generated between the and the merchant is valid, and notifies the VAN company 600 (S350).

Thus, the VAN company 600 transmits the approval result of the card company server 100 to the payment terminal 500 (S360).

As described above, the payment system according to the third embodiment of the present invention generates the one-time NFC virtual card information from the card company server 100 and transmits it to the user terminal 300 and the one-time NFC provided to the user terminal 300. By storing the virtual card information in the card company server 100, when the card payment approval request of the user terminal 300, the card company server 100 using the one-time NFC virtual card information without going through the intermediate server 200 separately Payment approval request can be approved.

FIG. 10 is a control block diagram of a financial service system using short-range wireless communication according to a fourth embodiment of the present invention, illustrating a system configuration when issuing virtual card information and an OTP of an NFC card.

In the fourth embodiment of the present invention, the card company server 100 issues an OTP to the user terminal 300, and also stores the unique ID of the user in the database 210 of the mediation server 200, thereby intermediary server 200. In the following example, the one-time NFC virtual card information is generated using the user's unique ID.

The card company server 100 stores a card company name registered by a user, a card name, a card number, and a phone number of the user terminal 300, and the information is transmitted to the intermediary server 200. Here, the card number may be used as an object identifier (OID).

In addition, the card company server 100 includes an OTP issuer 140, generates an OTP to be used for payment according to a request of the user terminal 300, transmits the generated OTP to the user terminal 300, and transmits the OTP transmitted to the user terminal 300. Store in the database.

The intermediary server 200 is a database 210 in which the card information of the user provided by the card company server 100 is stored, a unique ID storage unit 220 in which a unique ID is stored, and an NFC virtual card information generator 235. And issuance history DB 240 issuing history of the NFC virtual card information is stored.

The unique ID storage unit 220 may store an even ID unique ID to be used when an issuing request date is an even number and an odd ID unique ID to be used when an odd number is used.

The NFC virtual card information generator 235 generates NFC virtual card information corresponding to the unique ID of the user who requested the issuance of the virtual card information and transmits the generated NFC virtual card information to the user terminal 300. Here, the NFC virtual card information is generated using an even day unique ID when an issuing request date is an even day, and an odd day unique ID if an odd day.

The user terminal 300 stores the OTP received from the card company server 100 and the NFC virtual card information received from the mediation server 200 in the terminal. OTP and NFC virtual card information may be stored in the USIM, NFC communication module, memory, etc. of the user terminal 300, and may be transmitted to the payment terminal 500 in the NFC communication method when performing the payment function.

According to this configuration, the payment system according to the fourth embodiment of the present invention stores the unique ID in the mediation server 200, NFC virtual in the mediation server 200 in response to the request for issuing the virtual card information of the user terminal 300 The card information is generated and transmitted to the user terminal 300, while the card company server 100 generates an OTP to be used for payment and transmits the generated OTP to the user terminal 300.

11 is a payment flowchart of a financial service system using short-range wireless communication according to a fourth embodiment of the present invention. According to the fourth embodiment, an OTP issued from a card company server 100 and an NFC issued from an intermediate server 200 are provided. The control flow is shown when payment is made using the virtual card information.

The user executes the payment management app 400 installed in the user terminal 300 to receive and store the NFC virtual card information (S310). When the payment management app 400 is executed in the user terminal 300 and a preset password is input, the mediation server 200 generates NFC virtual card information according to the unique ID of the user and transmits it to the user terminal 300. .

The user requests issuance of an OTP to be used for payment at the card company server 100 (S315), and stores the OTP received from the card company server 100 in the user terminal 300 (S320).

The user terminal 300 requests the payment by transmitting the OTP information and NFC virtual card information to the payment terminal 500 (S325).

Accordingly, the payment terminal 500 transmits the OTP information, the NFC virtual card information, the merchant code, the payment amount, and the corresponding VAN information received from the user terminal 300 to the mediation server 200 to request payment approval (S330). .

The mediation server 200 changes the NFC virtual card information received from the payment terminal 500 to the corresponding unique ID information (S335).

The mediation server 200 transmits the unique ID, the OTP information, the merchant code, and the payment amount to the corresponding VAN company 600 to request payment approval (S340).

Accordingly, the VAN company 600 transmits a unique ID, OTP information, merchant code, and payment amount to the card company server 100 and requests payment approval (S345).

Accordingly, the card company server 100 checks the unique ID, the OTP information, the merchant code, and the payment amount information to determine whether the transaction generated between the user and the merchant is valid, and notifies the VAN company 600 of the approval (S350). Thus, the VAN company 600 may inform the payment terminal 500 that the card payment has been approved (S355).

12 is a control block diagram of a financial service system using short-range wireless communication according to a fifth embodiment of the present invention, illustrating a system configuration when issuing a one-time OTP. Like reference numerals designate like elements and duplicate descriptions will be omitted.

The fifth embodiment of the present invention illustrates a case where the one-time OTP information is directly generated by the card company server 100.

The card company server 100 stores a card company name registered by a user, a card name, a card number, and a phone number of the user terminal 300, and the information is transmitted to the intermediary server 200.

The intermediary server 200 includes a database 210 in which the card information of the user provided by the card company server 100 is stored. When the OTP information issuance request is received from the user terminal 300, the intermediate server 200 may request one-time OTP information. have. Here, the user executes the payment management app 400 in the user terminal 300 and inputs a preset password, the mediation server 200 may request one-time OTP information from the side. The mediation server 200 transmits the one-time OTP information request of the user terminal 300 to the corresponding card company server 100.

On the other hand, the card company server 100 includes a one-time OTP issuer 140. Accordingly, the card company server 100 generates 11-time OTP information according to the one-time OTP information request of the user terminal 300 received through the mediation server 200. The card company server 100 transmits the generated one-time OTP information to the user terminal 300 through the mediation server 200. The card company server 100 and the mediation server 200 store one-time OTP information provided to the user in a database.

According to this configuration, in the payment system according to the third embodiment of the present invention, the mediation server 200 delivers the one-time OTP information request received from the user terminal 300 to the corresponding card company server 100, and the card company server ( 100 generates one-time OTP information and transmits it to the user terminal 300.

FIG. 13 is a flowchart illustrating a payment of a financial service system using short-range wireless communication according to a fifth embodiment of the present invention, and a control flow when a payment is made using an OTP issued from a card company server 100 according to a fifth embodiment. It is shown.

The user selects the OTP information by executing the payment management app 400 installed in the user terminal 300 (S410).

When the user terminal 300 runs the payment management app 400 and inputs a preset password, the mediation server 200 requests the issuance of OTP information to the card company server 100 (S415), and the user of the card company server 100 In step S420, the OTP is received from the user terminal 300.

The user terminal 300 requests the payment by transmitting the OTP information to the payment terminal 500 (S425).

Accordingly, the payment terminal 500 transmits the OTP information, the affiliated store code, the payment amount, and the corresponding VAN information received from the user terminal 300 to the mediation server 200 to request payment approval (S430).

The mediation server 200 extracts the card company from the OTP information received from the payment terminal 500 (S435).

The mediation server 200 transmits the OTP information, the merchant code, and the payment amount to the VAN company 600 according to the extracted card company information and requests payment approval (S440).

Accordingly, the VAN company 600 transmits the OTP information, the affiliate store code, and the payment amount to the card company server 100 and requests payment approval (S445).

Accordingly, the card company server 100 compares the OTP information received from the VAN company 600 and the pre-stored OTP information to extract the card information of the user, and check the merchant code and payment amount information to generate a transaction between the user and the merchant. After determining whether it is appropriate to notify the approval to the VAN company (600) (S450).

Thus, the VAN company 600 may inform the payment terminal 500 that the card payment has been approved (S455).

As described above, the payment system according to the fifth embodiment of the present invention generates OTP information in the card company server 100 and stores them in the user terminal 300, the intermediary server 200 and the card company server 100, When the payment request of the user terminal 300, the mediation server 200 may request the payment approval by extracting the card company from the OTP information.

Thus, those skilled in the art will appreciate that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It is therefore to be understood that the embodiments described above are to be considered in all respects only as illustrative and not restrictive. The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

100: card company server
130, 230: one-time NFC virtual card information generator
140: OTP generator 200: intermediary server
210: database 220: unique ID storage unit
235: NFC virtual card information generator
240: publication history database
300: user terminal 400: payment management app
500: payment terminal 600: VAN company

Claims (17)

A card company server for storing and managing user information and card information of a user who has issued a card;
A user terminal having a short range wireless communication function, requesting virtual card information to be used for payment using the card, storing the received virtual card information, and transmitting the virtual card information in a short range wireless communication method during card payment; And
An intermediary for receiving and storing the user information and card information from the card company server and retrieving the user information and card information when receiving the virtual card information request from the user terminal and providing the virtual card information to the corresponding user terminal Financial service system using short-range wireless communication including a server.
The method of claim 1,
The user terminal comprises:
The virtual card information is input from the user to determine the validity of the virtual card information, and the virtual card information is accessed. Financial service system using a short-range wireless communication, characterized in that it comprises a payment management app for storing and managing card information.
The method of claim 1,
The mediation server,
A database for storing card information of a user provided by the card company server;
A life date ID storage unit for storing a life date ID of the user card provided by the card company server; And
When the virtual card information request is received from the user terminal, the virtual card information generator for generating a virtual card information corresponding to the unique ID and transmits to the user terminal, characterized in that the financial using short-range wireless communication Service system.
The method of claim 3,
The unique ID storage unit,
If the request date of the virtual card information used on the even day is even day, even day unique ID to use and odd day unique ID to be used if odd days financial service system using a short-range wireless communication.
The method of claim 3,
The card company server,
Financial service system using a short-range wireless communication, characterized in that the card information of the user having a unique ID that matches the virtual card information received from the intermediary server to approve the card payment of the user.
The method of claim 1,
The mediation server,
A database for storing card information of a user provided by the card company server;
When the virtual card information request from the user terminal receives the virtual card information based on the card information of the user, the virtual card information generator for transmitting the generated virtual card information to the user terminal and the card company server Financial service system using a short-range wireless communication comprising a.
The method according to claim 6,
The card company server,
By comparing the virtual card information of the user terminal received from the card payment approval request and the virtual card information received from the intermediary server, a short-range wireless communication characterized in that for approving the card payment of the user matching the virtual card information Financial service system used.
The method of claim 1,
The intermediary server, upon receiving the virtual card information request from the user terminal, requests the virtual card information from the card company server based on the card information of the user;
The card company server includes a virtual card information generator for generating the virtual card information and receiving the virtual card information request from the intermediary server to the user terminal, characterized in that the financial service system using short-range wireless communication.
The method of claim 1,
The card company server,
When the OTP information request is received from the user terminal, the OTP issuer for generating the OTP information for identifying the user and transmits to the user terminal upon approval of the card payment of the user comprises a short-range wireless communication Financial service system used.
Storing user information and issued card information of a user who issued a card at a card company server and transmitting the user information and card information to an intermediary server;
Receiving and storing the user information and the card information in the relay server;
Requesting virtual card information from the user terminal at the intermediate server;
Retrieving the user information and the card information and providing the virtual card information to the corresponding user terminal when receiving the virtual card information request from the relay server; And
And receiving and storing the virtual card information at the user terminal, and transmitting the virtual card information in a short range wireless communication method when the card is settled.
11. The method of claim 10,
And determining the validity of the virtual card information stored in the user terminal by receiving the valid number and the valid period of the virtual card information from the user in the user terminal. .
11. The method of claim 10,
When the mediation server receives the virtual card information request, searching for the user information and the card information and providing the virtual card information to the corresponding user terminal may include:
Extracting a unique ID of the user card from the card information when the virtual card information request is received from the user terminal; And
Generating virtual card information corresponding to the unique ID and transmitting the generated virtual card information to the user terminal.
The method of claim 12,
Receiving a card payment approval request including the virtual card information at the card company server; And
And searching for card information of a user having a unique ID that matches the virtual card information, and approving the card payment of the corresponding user.
11. The method of claim 10,
When the mediation server receives the virtual card information request, searching for the user information and the card information and providing the virtual card information to the corresponding user terminal may include:
Generating virtual card information based on card information of the user when the virtual card information request is received from the user terminal; And
And transmitting the generated virtual card information to the user terminal and the card company server.
15. The method of claim 14,
Receiving a card payment approval request including the virtual card information at the card company server; And
Comparing the virtual card information received when the card payment approval request and the virtual card information received from the intermediary server, and approving the card payment of the user that the virtual card information matches Financial service method using communication.
11. The method of claim 10,
When the mediation server receives the virtual card information request, searching for the user information and the card information and providing the virtual card information to the corresponding user terminal may include:
When the mediation server receives the virtual card information request from the user terminal, requesting the virtual card information from the card company server based on the card information of the user;
Generating, by the card company server, the virtual card information when the virtual card information request is received from the mediation server, and transmitting the generated virtual card information to the mediation server; And
Receiving the virtual card information from the intermediary server and providing the virtual card information to a corresponding user terminal.
11. The method of claim 10,
Requesting, from the user terminal, issuance of OTP information to be used when the card company requests a card payment; And
And generating, by the card company server, the OTP information according to a request of the user terminal, and transmitting the generated OTP information to the user terminal.
KR1020120112988A 2012-10-11 2012-10-11 System and method for settlement using nfc KR20140046828A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101644568B1 (en) * 2015-10-15 2016-08-12 주식회사 한국엔에프씨 Mobile card payment system and method which performs payment between mobile communication terminals
KR101675927B1 (en) * 2015-10-08 2016-11-14 주식회사 지씨엠씨 Credid authorization terminal, payment managing server, payment managing method, payment terminal, payment terminal operating method and computer program for managing payment

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101675927B1 (en) * 2015-10-08 2016-11-14 주식회사 지씨엠씨 Credid authorization terminal, payment managing server, payment managing method, payment terminal, payment terminal operating method and computer program for managing payment
KR101644568B1 (en) * 2015-10-15 2016-08-12 주식회사 한국엔에프씨 Mobile card payment system and method which performs payment between mobile communication terminals
WO2017065583A1 (en) * 2015-10-15 2017-04-20 주식회사 한국엔에프씨 Mobile card payment system for performing card payment between mobile communication terminals and method therefor
CN107710254A (en) * 2015-10-15 2018-02-16 韩国Nfc株式会社 Perform the mobile phone card paying system and method for the Credit Card Payments between mobile communication terminal
US11468424B2 (en) 2015-10-15 2022-10-11 Hankooknfc, Inc. Mobile card payment system for performing card payment between mobile communication terminals and method therefor

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