KR20140063256A - Payment method and system - Google Patents

Abstract

A payment method and a system are disclosed. The payment method comprises a step for receiving a payment approval request comprising coupon information and authentication information obtained by analyzing an N dimensional code of a terminal from a member terminal; a step for receiving an authentication result for the terminal by transmitting an authentication request comprising terminal identification information and the authentication information to an authentication server; and a step for determining process of payment using the N dimensional code of the terminal according to the authentication result.

Description

Payment method and system [0002]

The present invention relates to a method and system for making payments using an N-dimensional code.

The conventional payment service such as coupons and coupons can transmit a coupon number in the form of a text message, a barcode form or a numeric form to a customer terminal and provide a settlement service to a customer who knows the coupon number to be. This method has a disadvantage in that even if the user copies the coupon number, it can be easily stolen. In addition, payment means using a QR code / bar code or a callback text message are utilized in such a payment service.

These conventional methods generate a mobile web page and request settlement in a similar manner to existing internet settlement in a corresponding web page, which disadvantageously fails to block card misuse.

The present invention is to provide a method and a system that can prevent misuse by confirming authentication information of a user in performing settlement using an N-dimensional code.

The present invention also provides a method and system for preventing a coupon from being easily copied and used by another person.

According to an aspect of the present invention, there is provided a system and an apparatus capable of performing settlement using an N-dimensional code.

According to an embodiment of the present invention, a terminal for generating an N-dimensional code using coupon information and authentication information and requesting settlement using the N-dimensional code, the coupon information including terminal identification information; An agent terminal for analyzing the N-dimensional code according to a payment request of the terminal to acquire the coupon information and the authentication information, and request payment approval including the obtained coupon information and the authentication information; And a payment server for transmitting an authentication request including the terminal identification information and the authentication information to an authentication server according to a payment approval request of the merchant terminal to obtain an authentication result and determining whether or not to process the payment according to the authentication result A payment system may be provided.

The terminal can generate the authentication information by encrypting the identification information about the terminal.

The authentication server may generate the authentication result by comparing the value obtained by encrypting the terminal identification information with the encryption method shared with the terminal and the authentication information.

The coupon information may further include issuing terminal identification information and coupon terminal authentication information for delivering the coupon, wherein the payment server transmits the issuing terminal identification information and the issuing terminal authentication information to the authentication server The authentication server further compares the value obtained by encrypting the issuing terminal identification information with the issuing terminal authentication information and performs authentication on the terminal that has transmitted the coupon information And generate the authentication result.

The N-dimensional code is a bar code or a QR code.

According to another embodiment of the present invention, there is provided a memory for storing coupon information, the coupon information including terminal identification information; An authentication information generation unit that generates authentication information by encrypting identification information about the terminal; A code generator for generating an N-dimensional code using the authentication information and the coupon information; And a controller for controlling the mobile terminal to request payment using the N-dimensional code or to transmit the payment to another terminal.

When delivering the coupon information to another terminal, the control section may further control to transmit the coupon information in addition to the coupon information.

And a display unit for displaying the N-dimensional code.

The control unit may control to transmit the authentication information and the coupon information to the other terminal.

According to another aspect of the present invention, a settlement method using an N-dimensional code is provided.

According to an embodiment of the present invention, there is provided a method for receiving a payment approval request including coupon information and authentication information obtained by analyzing an N-dimensional code of a terminal from a merchant terminal, the coupon information including terminal identification information of the terminal box; Transmitting an authentication request including the terminal identification information and the authentication information to an authentication server and receiving an authentication result for the terminal; And determining whether to perform a payment process using the N-dimensional code of the terminal according to the authentication result.

The terminal generates the authentication information by encrypting the identification information, generates the N-dimensional code using the coupon information stored in the terminal, and the generated authentication information, and requests the merchant terminal for settlement.

According to the authentication request, the authentication server can generate the authentication result by comparing the value obtained by encrypting the terminal identification information with the encryption scheme shared by the terminal and the authentication information.

The coupon information may further include issuing terminal identification information and coupon terminal authentication information for delivering the coupon, wherein the payment server transmits the issuing terminal identification information and the issuing terminal authentication information to the authentication server The authentication server further compares the value obtained by encrypting the issuing terminal identification information with the issuing terminal authentication information and performs authentication on the terminal that has transmitted the coupon information And generate the authentication result.

The payment method and the system thereof according to the embodiment of the present invention can prevent the misuse by checking the authentication information of the user when performing settlement using the N-dimensional code.

Further, the present invention can prevent the coupon from being easily copied and used by another person.

1 is a block diagram schematically illustrating a configuration of a billing system using an N-dimensional code according to an embodiment of the present invention.
FIG. 2 illustrates coupon information according to an embodiment of the present invention; FIG.
3 illustrates an N-dimensional code according to an embodiment of the present invention.
4 is a flowchart illustrating a method of receiving coupon information according to an embodiment of the present invention;
5 is a flowchart illustrating a payment method using an N-dimensional code according to an embodiment of the present invention.
FIG. 6 is a flowchart illustrating a payment method using an N-dimensional code when a coupon is delivered or presented to a third party according to another embodiment of the present invention. FIG.
FIG. 7 is a block diagram schematically illustrating an internal configuration of a terminal for generating an N-dimensional code according to an embodiment of the present invention; FIG.

BRIEF DESCRIPTION OF THE DRAWINGS The present invention is capable of various modifications and various embodiments, and specific embodiments are illustrated in the drawings and described in detail in the detailed description. It is to be understood, however, that the invention is not to be limited to the specific 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.

The terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another.

The terminology used in this application is used only to describe a specific embodiment and is not intended to limit the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In the present application, the terms "comprises" or "having" and the like are used to specify that there is a feature, a number, a step, an operation, an element, a component or a combination thereof described in the specification, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a block diagram schematically illustrating a configuration of a billing system using an N-dimensional code according to an embodiment of the present invention. FIG. 2 is a diagram illustrating coupon information according to an embodiment of the present invention. Is an illustration of an N-dimensional code according to an embodiment of the present invention.

1, a billing system 100 according to an embodiment of the present invention includes a terminal 110, a coupon issuing server 120, a merchant terminal 130, a payment server 140, and an authentication server 150 .

The terminal 110 is a device capable of receiving a payment service through the merchant terminal 130 using the coupon information issued through the coupon issuing server 120. [

At this time, the terminal 110 can receive coupon information in a text form as shown in FIG. 2 from the coupon issuing server 120. Reference numeral 210 in FIG. 2 shows information included in coupon information, and reference numeral 220 denotes an embodiment of coupon information stored in the terminal 110.

Basically, as shown in FIG. 2, the coupon information may include at least one of a issuer, a use place, a coupon number, an expiration date, an amount, and terminal identification information.

Here, the issuer is information for identifying a subject issuing the coupon, and the use destination indicates information on an affiliated store that can use the coupon.

Further, the coupon number indicates coupon unique identification information for identifying the coupon, and the valid period indicates a period during which the coupon can be used (or used). And, the amount represents the usage amount for the coupon.

The terminal identification information is information for identifying a subject who has a coupon or a subject who has an actual use right for a coupon, and may be, for example, a telephone number, an IMSI, or the like. As a matter of course, it goes without saying that the same can be applied to all the information that can identify the terminal.

The terminal 110 generates authentication information using the terminal identification information of the terminal at each settlement time and generates authentication information using the authentication information together with the coupon information to generate an N-dimensional code, and transmits the authentication information to the merchant terminal 130 .

At this time, the terminal 110 can encrypt the authentication information by a predetermined method in order to prevent the authentication information from being easily used by other devices through hacking. For example, the terminal 110 may generate a value obtained by hashing the terminal identification information as authentication information. In this case, authentication can be denied by the authentication server even if other terminals that do not have use rights to the coupon hack the coupon information or read the N-dimensional code, which is advantageous in enhancing security.

3 shows an N-dimensional code generated by the terminal 110 using coupon information and authentication information.

According to another embodiment, the terminal 110 may encrypt some or all of the coupon information in a predetermined manner. For example, the terminal 110 may encrypt the coupon number of the coupon information by a predetermined method to enhance the security so that the coupon number can not be used by a malicious third party even if the merchant terminal 130 is hacked .

At this time, the encryption method may be based on a public key-secret key basis shared only by the payment server 140 and the terminal 110, or may be encrypted based on a certificate. Since these encryption methods are already known to those skilled in the art and are not related to the present invention, the description of the encryption method itself will be omitted.

The coupon issuing server 120 is means for transmitting coupon information by issuing a coupon to the terminal 110 in cooperation with the payment server 140 or the communication system.

The merchant terminal 130 is a means for requesting payment from the payment server 140 between the terminal 110 and the payment server 140 in accordance with the payment request of the terminal 110 to obtain the payment result.

For example, the merchant terminal 130 may receive the settlement request using the N-dimensional code from the terminal 110, and may interpret the N-dimensional code according to the settlement request to obtain the coupon information and the authentication information. Then, the merchant terminal 130 may transmit a payment approval request including the obtained coupon information and the authentication information to the payment server 140 to obtain a result thereof. Here, the payment approval request may further include payment history information.

The payment server 140 transmits the authentication information included in the payment approval request received from the merchant terminal 130 to the authentication server 150 to request authentication, to be. Here, the authentication information may be a value obtained by hashing terminal identification information of the terminal 110, as described above. Accordingly, the payment server 140 can extract the user's telephone number from the coupon information, and transmit the same to the authentication server 150 at the time of the authentication request. Accordingly, the authentication server 150 may determine whether the value obtained by hashing the user's telephone number included in the authentication request matches the authentication information, and transmit the authentication result to the payment server 140. [ The authentication result may be authentication success or authentication failure.

If the authentication result is an authentication success, the payment server 140 processes the payment using the coupon information. If the authentication result is an authentication failure, the payment server 140 generates a rejection response in response to the payment approval request, 130).

The authentication server 150 is a means for authenticating the terminal 110 requesting settlement using the N-dimensional code. For example, when the authentication server 150 receives an authentication request including at least one of the authentication information and the user's phone number from the payment server 140, the authentication server 150 determines whether the value obtained by hashing the user's phone number matches the authentication information After authenticating the terminal 110, an authentication result can be generated and transmitted to the payment server 140.

4 is a flowchart illustrating a method of receiving coupon information according to an exemplary embodiment of the present invention.

In step 410, the terminal 110 transmits a coupon issue request to the coupon issuing server 120. As shown in FIG. 4, the terminal 110 may directly issue a coupon to the coupon issuing server 120, or may issue a coupon without requesting the terminal 110 to issue a coupon, The coupon may be issued through the server 120 or in conjunction with the settlement system.

In step 415, the coupon issuing server 120 issues a coupon according to the coupon issuing request, generates coupon information, and transmits the coupon information to the terminal 110 in a text format.

The coupon information provided from the coupon issuing server 120 by the terminal 110 is in a text format as shown in FIG.

In step 420, the terminal 110 stores the coupon information received through the coupon issuing server 120 in the terminal 110.

Hereinafter, a case in which the terminal 110 requests payment using the coupon stored in the settlement will be described.

5 is a flowchart illustrating a payment method using an N-dimensional code according to an embodiment of the present invention. Hereinafter, it is assumed that at least one coupon information is stored in the terminal.

In step 510, the terminal 110 generates a value obtained by hashing the terminal identification information as authentication information. Here, the terminal identification information may be, for example, an IMSI.

In step 515, the terminal 110 generates an N-dimensional code for settlement using at least one of the stored coupon information and the authentication information. The method of generating the N-dimensional code is already known to those skilled in the art, so a detailed description thereof will be omitted.

The terminal 110 can generate an N-dimensional code using the coupon information and the authentication information at the time of settlement using the coupon.

In step 520, the terminal 110 displays an N-dimensional code for payment or transmits the N-dimensional code to the merchant terminal 130 to request payment.

In step 525, the merchant terminal 130 analyzes the N-dimensional code according to the payment request using the N-dimensional code of the terminal 110 to obtain the coupon information and the authentication information.

In step 530, the merchant terminal 130 generates a payment approval request including the coupon information and the authentication information, and transmits the payment approval request to the payment server 140.

Here, at least one of the coupon information and the authentication information may be encrypted so as to be decryptable by the payment server 140. [ Even if the merchant terminal 130 can not decode the coupon information and the authentication information, the merchant terminal 130 transmits a payment approval request including the coupon information and the authentication information to the payment server 140 so that the payment server 140 can transmit at least one of the coupon information and the authentication information It is possible to decode it.

Further, the payment approval request may further include payment history information.

In step 535, the payment server 140 receives the payment approval request of the merchant terminal 130, extracts the authentication information from the payment approval request, and transmits the authentication request to the authentication server 150. At this time, the authentication request may further include a user telephone number obtained from the coupon information. In this case, the payment server 140 extracts the coupon information from the payment approval request, and extracts the user phone number from the coupon information. If some of the coupon information is encrypted, the payment server 140 may extract the user phone number after decrypting the coupon information encrypted using the secret key (or certificate) shared with the terminal 110. [

In step 540, the authentication server 150 generates an authentication result according to whether or not the authentication information matches the value obtained by hashing the user telephone number included in the authentication request according to the reception of the authentication request of the payment server 140, ).

For example, when the value obtained by hashing the user's telephone number matches the authentication information, the authentication server 150 can transmit the authentication result according to the authentication success to the payment server 140. [ However, if the value obtained by hashing the user's telephone number does not match with the authentication information, the authentication server 150 may generate the authentication result in response to the authentication failure, and then transmit the authentication result to the payment server 140.

In step 545, the payment server 140 determines whether the authentication result received from the authentication server 150 is authentication success.

If the authentication result is an authentication failure, in step 550, the payment server 140 generates a rejection response to the payment approval request of the merchant terminal 130 and transmits it to the merchant terminal 130. At this time, the rejection response may include rejection reason (or code) for the authentication failure.

However, if the authentication result is an authentication success, the payment server 140 in step 555 performs the payment processing according to the payment approval request, and then transmits the payment result to the merchant terminal 130.

In this manner, the terminal 110 encrypts the terminal identification information with the authentication information, generates the N-dimensional code together with the coupon information, and requests the settlement to generate an N-dimensional code unique to the terminal that can identify the terminal identification information There is an advantage that it can be used for settlement.

FIG. 6 is a flowchart illustrating a payment method using an N-dimensional code when a coupon is delivered or presented to a third party according to another embodiment of the present invention. Hereinafter, a terminal for delivering or presenting coupon information to a third party will be collectively referred to as a first terminal and a terminal for receiving or receiving coupon information will be collectively referred to as a second terminal in order to facilitate understanding and explanation .

In step 610, the first terminal forwards the stored coupon information to the second terminal.

The coupon information transmitted through the first terminal may include at least one of a issuer, a use destination, a coupon number, an expiration date, an amount, a calling terminal identification information, a receiving terminal identification information, and a calling terminal authentication information.

Here, the calling terminal identification information is identification information for the calling terminal, i.e., the first terminal, which transmits the coupon information, and the receiving terminal identification information represents the identification information for the receiving terminal, i.e., the second terminal, receiving the coupon information.

As described above with reference to FIG. 1, the calling terminal identification information and the receiving terminal identification information may be identification information for identifying each terminal, for example, a telephone number, an IMSI, and the like.

The originating terminal authentication information is an authentication value transmitted by encrypting the identification information of the subject (i.e., the first terminal) that transmits the coupon information and including the coupon information at the time of transmitting the coupon information, The terminal can not decode it and can be used when the first terminal is authenticated by the authentication server at the time of payment request using the actual coupon information.

The method of transmitting the coupon information to the second terminal by the first terminal may be transmitted by a text message or may be received after the N-dimensional code is generated and the second terminal interprets the N-dimensional code.

In step 615, the second terminal stores the coupon information received from the first terminal.

If the payment process is performed using the coupon information, the second terminal encrypts the identification information of the second terminal in step 620 to generate authentication information.

The authentication information generated by the second terminal is referred to as reception terminal authentication information in order to distinguish it from the authentication information (originating terminal authentication information) included in the coupon information transmitted from the first terminal.

In step 620, the second terminal generates an N-dimensional code using the coupon information and the receiving terminal authentication information and requests payment to the merchant terminal 130.

Subsequent processors are substantially the same as the billing process described with reference to FIG. However, since the N-dimensional code includes both the calling terminal identification information, the receiving terminal identification information, the calling terminal authentication information, and the receiving terminal authentication information, the calling terminal (i.e., the first terminal) (I.e., the second terminal).

In step 625, the merchant terminal 130 analyzes the N-dimensional code to obtain coupon information and reception terminal authentication information, and transmits a payment approval request including the obtained coupon information and reception terminal authentication information to the payment server 140 .

In step 630, the payment server 140 receives the payment approval request of the merchant terminal 130, extracts the calling terminal identification information, the calling terminal authentication information, and the receiving terminal identification information included in the coupon information, And sends it to the authentication server 150 for authentication together with the information to request authentication.

In step 635, the authentication server 150 performs authentication for each of the calling terminal and the receiving terminal according to the reception of the authentication request of the payment server 140. [

For example, the authentication server 150 encrypts the calling terminal identification information included in the authentication request with a predetermined encryption method, determines whether the generated value matches the calling terminal authentication information, and transmits the authentication result to the calling terminal (i.e., the first terminal) Lt; / RTI >

More specifically, as described above with reference to FIG. 5, the authentication server 150 determines whether the value obtained by hashing the calling terminal identification information and the calling terminal authentication information are identical to each other and authenticates the first terminal (i.e., calling terminal) can do.

Also, the authentication server 150 can authenticate the receiving terminal (i.e., the second terminal) by determining whether the value generated by encrypting the receiving terminal identification information included in the authentication request matches the receiving terminal authentication information have. That is, the authentication server 150 determines whether the value obtained by hashing the receiving terminal identification information and the receiving terminal authentication information are identical to each other, and performs authentication with respect to the receiving terminal (i.e., the second terminal) have.

If authentication of both the first terminal and the second terminal is successful, the authentication server 150 may transmit the authentication result according to the authentication success to the payment server 140.

However, if authentication fails for at least one of the first terminal and the second terminal, the authentication server 150 may transmit the authentication result in response to the authentication failure to the payment server 140. [ It goes without saying that the authentication result may include an authentication failure reason (or an authentication failure code).

In step 640, the payment server 140 determines whether the authentication result received from the authentication server 150 is authentication success.

If the authentication result is an authentication failure, in step 645, the payment server 140 generates a rejection response to the payment approval request of the merchant terminal 130 and transmits it to the merchant terminal 130. At this time, the rejection response may include rejection reason (or code) for the authentication failure.

However, if the authentication result is authentication success, the payment server 140 in step 650 performs a payment process according to the payment approval request and transmits the payment result to the merchant terminal 130.

7 is a block diagram schematically illustrating an internal configuration of a terminal for generating an N-dimensional code according to an embodiment of the present invention.

7, a terminal 110 according to an exemplary embodiment of the present invention includes a communication unit 710, an input unit 715, a memory 720, a display unit 725, an authentication information generation unit 730, A control unit 740,

The communication unit 710 is a means for transmitting and receiving data to and from other devices via a communication network or a local communication means. In FIG. 7, although the communication unit is shown as being composed of one communication module, it is needless to say that the communication unit may include a plurality of communication modules.

The input unit 715 is a means for receiving various control commands for controlling the terminal 110 from a user, commands for executing an application, and the like. For example, the input unit 715 may include at least one key button or a touch panel.

The memory 720 stores various applications necessary for operating the terminal 110. In addition, the memory 720 may store coupon information in a text form issued through the coupon issuing server 120. [

The display unit 725 is a means for displaying data inputted / received or stored through the terminal 110 in the form of time information.

For example, the display unit 725 may be a liquid crystal display.

Although the input unit 715 and the display unit 725 are provided in the terminal 110 in the present embodiment, the input unit 715 and the display unit 725 according to the embodiment of the present invention Or may be provided in the terminal 110 in one configuration such as a touch screen.

The authentication information generation unit 730 is means for generating authentication information by encrypting the terminal identification information under the control of the control unit 740. [

The code generating unit 735 is a means for generating an N-dimensional code using the coupon information and authentication information stored in the memory 720 under the control of the control unit 740. [

The control unit 740 controls the internal components (e.g., the communication unit 710, the input unit 715, the memory 720, the display unit 725, and the authentication information) of the terminal 110 according to an embodiment of the present invention. Generating unit 730, code generating unit 735, and the like).

Also, the controller 740 may request the payment through the merchant terminal 130 using the N-dimensional code, or may control the coupon information to be transmitted to other terminals.

Meanwhile, the payment method using the N-dimensional code according to the embodiment of the present invention may be implemented in a form of a program command that can be executed through a variety of means for processing information electronically and recorded in a 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 and DVDs, magneto-optical media such as floptical disks, magneto-optical media and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, 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.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined in the appended claims. It will be understood that the invention may be varied and varied without departing from the scope of the invention.

110: terminal
120: coupon issuing server
130: Merchant terminal
140: Payment server
150: Authentication server

Claims (13)

A terminal for generating an N-dimensional code using coupon information and authentication information, and requesting payment using the N-dimensional code, wherein the coupon information includes terminal identification information;
An agent terminal for analyzing the N-dimensional code according to a payment request of the terminal to acquire the coupon information and the authentication information, and request payment approval including the obtained coupon information and the authentication information; And
And a payment server for transmitting an authentication request including the terminal identification information and the authentication information to an authentication server according to a payment approval request of the merchant terminal to obtain an authentication result and determining whether to perform a payment process according to the authentication result Payment system.
The method according to claim 1,
Wherein the terminal generates the authentication information by encrypting the identification information of the terminal.
The method according to claim 1,
The authentication server includes:
And generates the authentication result by comparing the value obtained by encrypting the terminal identification information with an encryption scheme shared by the terminal and the authentication information.
The method of claim 3,
Wherein the coupon information further includes an issuing terminal identification information and an issuing terminal identification information that have transmitted a coupon when the coupon information is provided from a third party,
Wherein the payment server further transmits the issuing terminal identification information and the issuing terminal authentication information to the authentication server,
Wherein the authentication server compares the value obtained by encrypting the issuing terminal identification information with the issuing terminal authentication information to further verify the terminal that has transmitted the coupon information to generate the authentication result.
The method according to claim 1,
Wherein the N-dimensional code is a bar code or a QR code.
A memory for storing coupon information, the coupon information including terminal identification information;
An authentication information generation unit that generates authentication information by encrypting identification information about the terminal;
A code generator for generating an N-dimensional code using the authentication information and the coupon information; And
And a controller for controlling the mobile terminal to request payment using the N-dimensional code or to transmit the payment to another terminal.
The method according to claim 6,
Wherein when the coupon information is delivered to another terminal, the control unit controls to further include the coupon information in the coupon information.
The method according to claim 6,
And a display unit for displaying the N-dimensional code.
The method according to claim 6,
And the control unit controls to transmit the authentication information and the coupon information to the other terminal. Receiving a payment approval request including coupon information and authentication information obtained by analyzing an N-dimensional code of a terminal from a merchant terminal, the coupon information including terminal identification information of the terminal;
Transmitting an authentication request including the terminal identification information and the authentication information to an authentication server and receiving an authentication result for the terminal; And
And determining whether to perform a payment process using the N-dimensional code of the terminal according to the authentication result.
11. The method of claim 10,
Wherein the terminal generates the authentication information by encrypting the identification information, generates an N-dimensional code using the coupon information stored in the terminal, and the generated authentication information, and requests the agent terminal for settlement.
11. The method of claim 10,
Wherein the authentication server generates the authentication result by comparing the authentication information with a value obtained by encrypting the terminal identification information with the encryption method shared with the terminal according to the authentication request. 13. The method of claim 12,
Wherein the coupon information further includes an issuing terminal identification information and an issuing terminal identification information that have transmitted a coupon when the coupon information is provided from a third party,
Wherein the payment server further transmits the issuing terminal identification information and the issuing terminal authentication information to the authentication server,
Wherein the authentication server compares the value obtained by encrypting the issuing terminal identification information with the issuing terminal authentication information to further authenticate the terminal that has transmitted the coupon information to generate the authentication result.

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