KR20140089325A - Payment method based near field communication and payment system thereof - Google Patents

Abstract

A near field communication (NFC)-based payment method includes: a step where a payment server transmits business operator data to an employee terminal; a step where, when a client terminal and the employee terminal approach each other within a recognition range, the employee terminal transmits a payment request signal including the business operator data and payment amount data to the client terminal; a step where the client terminal transmits a payment approval signal including the business operator data, the payment amount data, and payment approval data to a credit card company server in response to the payment request signal; and a step where the credit card company server determines whether to approve a transaction based on the payment approval signal and, when the transaction is approved according to the determination result, transmits transaction approval data to the payment server.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an NFC-

The present invention relates to a payment method using a mobile device, and more particularly, to a payment method using a near field communication (NFC) between a mobile device of an employee having a payment agency right according to a setting of a mobile device of a customer and a business operator Method and system thereof.

Near field communication (NFC) is one of radio frequency identification (RFID) technologies and is a non-contact communication technology using a frequency band of 13.56 MHz. Since the NFC has a short communication distance, the security can be relatively enhanced. In addition, the NFC is capable of transmitting and receiving bidirectional data. Therefore, NFC can be used in various fields such as electronic ticket and electronic payment.

On the other hand, today's operators use POS (point of sale) systems for payment. The POS system combines the functions of a cash register and a computer terminal. The service provider can easily perform settlement using the POS system.

However, since the number of POS systems in the business is limited, when customers request payment at the same time, the customers inconvenience to wait for payment.

SUMMARY OF THE INVENTION The present invention has been made in view of the above problems, and it is an object of the present invention to provide an NFC-based payment method and system capable of improving convenience for a business operator and a customer by performing settlement using NFC (near field communication) between a mobile device of a customer and a customer's mobile device .

In a near field communication (NFC) settlement method according to an embodiment of the present invention, the settlement server transmits the provider information to the employee terminal. When the customer terminal and the employee terminal approach each other within the recognition range, Transmitting a settlement request signal including information on settlement amount information and settlement amount information to the customer terminal in response to the settlement request signal, And transmitting the transaction approval information to the payment server when the transaction is approved according to a determination result, the transaction approval information being transmitted to the payment server.

The step of transmitting the provider information may include transmitting the employee list request signal to the payment server, the payment server transmitting the employee list to the provider terminal in response to the employee list request signal, Transmitting a list of employees having a payment agency right selected by a provider from the list of employees to the payment server; and receiving, by the payment server, a list of employees having the payment agency right in response to the list of employees having the payment agent right And transmitting the business entity information to the corresponding employee terminal.

The NFC-based payment method may further include transmitting the transaction approval information to the customer terminal when the transaction is approved according to the determination result.

In the NFC-based payment method, the payment server may further include transmitting the transaction approval information and the identification number of the employee terminal to the business entity terminal in response to the transaction approval information.

The NFC-based payment method may further include the step of the payment server transmitting an electronic coupon corresponding to the transaction approval information to the customer terminal in response to the transaction approval information.

The business entity information may include an identification number of the business entity or account information of the business entity.

The payment approval information may include at least one of a card identification number of a customer or account information of the customer.

The transaction approval information may include at least one of the provider information, the payment amount information, and the payment approval information.

The NFC-based payment method according to the embodiment of the present invention can be stored in a computer-readable recording medium on which a computer program is recorded.

A near field communication (NFC) based payment system according to an embodiment of the present invention includes a settlement server, a card company server, a business entity terminal, an employee terminal, and a customer terminal. The business entity terminal includes an employee having a payment agency authority And transmits the list to the payment server, the payment server transmits the provider information to the employee terminal corresponding to the employee list having the payment agency authority, and when the client terminal and the employee terminal approach each other within the recognition range, The terminal transmits a settlement request signal including settlement approval information to the employee terminal, and the employee terminal transmits a transaction approval request signal including the carrier information, the settlement amount information, and the settlement approval information to the card company server, The card issuer server transmits the payment approval request signal When the judge of whether or not to approve the transaction in accordance with the determination results and transmits the information to the payment transaction authorization server.

The business entity information may include an identification number of the business entity or account information of the business entity.

The payment approval information may include at least one of a card identification number of a customer or account information of the customer.

The transaction approval information may include at least one of the provider information, the payment amount information, and the payment approval information.

The NFC-based payment method and system according to the embodiment of the present invention can improve the convenience of the business operator and the customer by performing settlement using NFC (near field communication) between the employee's mobile device and the customer's mobile device have.

In addition, the NFC-based payment method and the system thereof can easily grant the payment agency authority to the employee and effectively manage the payment information.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS In order to more fully understand the drawings recited in the detailed description of the present invention, a detailed description of each drawing is provided.
FIG. 1 shows a schematic diagram of an NFC-based payment system according to an embodiment of the present invention.
FIG. 2 shows an embodiment of a schematic data flow used in the NFC-based payment system shown in FIG.
FIG. 3 shows another embodiment of a schematic data flow used in the NFC-based payment system shown in FIG.

It is to be understood that the specific structural or functional description of embodiments of the present invention disclosed herein is for illustrative purposes only and is not intended to limit the scope of the inventive concept But may be embodied in many different forms and is not limited to the embodiments set forth herein.

The embodiments according to the concept of the present invention can make various changes and can take various forms, so that the embodiments are illustrated in the drawings and described in detail herein. It should be understood, however, that it is not intended to limit the embodiments according to the concepts of the present invention to the particular forms disclosed, but includes all modifications, equivalents, or alternatives falling within the spirit and scope of the invention.

The terms first, second, etc. may be used to describe various elements, but the elements should not be limited by the terms. The terms may be named for the purpose of distinguishing one element from another, for example, without departing from the scope of the right according to the concept of the present invention, the first element may be referred to as a second element, The component may also be referred to as a first component.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between. Other expressions that describe the relationship between components, such as "between" and "between" or "neighboring to" and "directly adjacent to" should be interpreted as well.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In this specification, the terms "comprises" or "having" and the like are used to specify that there are features, numbers, steps, operations, elements, parts or combinations thereof described herein, But do not preclude the presence or addition of one or more other features, integers, steps, operations, components, parts, or combinations thereof.

Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the meaning of the context in the relevant art and, unless explicitly defined herein, are to be interpreted as ideal or overly formal Do not.

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

FIG. 1 shows a schematic diagram of an NFC-based payment system according to an embodiment of the present invention.

Referring to FIG. 1, the NFC-based payment system 10 includes a payment server 100, a card issuer server 200, a business entity terminal 300, an employee terminal 400, and a customer terminal 500.

The payment server 100 and the card issuer server 200 can exchange data with each other through a communication network. For example, the payment server 100 and the card issuer server 200 may be connected to a public switched telephone network (PSTN), a public switched data network (PSDN), a local area network (LAN), a wide area network (WAN) digital network), a metropolitan area network (MAN), or an Internet network.

The payment server 100, the business entity terminal 300, the payment server 100 and the employee terminal 400, and the card company server 200 and the customer terminal 500 can exchange data with each other through the wireless communication network .

The employee terminal 400 and the customer terminal 500 can exchange data with each other using NFC (near field communication).

Each of the vendor terminal 300, the employee terminal 400 and the customer terminal 500 may refer to a portable computer, a mobile phone, a smart phone, or a PDA (personal digital assistant) .

It is assumed that a program capable of executing the NFC-based payment method according to the embodiment of the present invention is installed in each of the business entity terminal 300, the employee terminal 400, and the customer terminal 500.

FIG. 2 shows an embodiment of a schematic data flow used in the NFC-based payment system shown in FIG.

Referring to FIGS. 1 and 2, the payment server 100 may include an employee database 110 capable of storing a list of employees.

The business entity can grant the settlement agency authority to at least one of the employees by using the business entity terminal 300. [ For example, the business entity can select at least one employee to whom the payment agent authority is to be granted from the employee list stored in the employee database 110 by using the program installed in the business entity terminal 300.

At this time, the business entity terminal 300 transmits an employee list request signal to the payment server 100 in response to the control of the business entity (S100). The payment server 100 retrieves the employee list from the employee database 110 in response to the employee list request signal (S110), and transmits the retrieved employee list to the business entity terminal 300.

The business entity can select at least one employee to grant a settlement authorization authority from the employee list using the business entity terminal 300 (S130).

For example, the business entity terminal 300 displays the list of employees received from the payment server 100, and the business entity selects at least one of the employees to whom the business entity 300 displays the list of employees .

When the business operator selects at least one employee to be authorized for settlement, the business entity 300 transmits to the payment server 100 a list of employees having the payment agency right selected by the business entity from the list of employees (S140 ).

The payment server 100 stores the employee list having the payment agency right received from the business entity terminal 300 in the employee database 110 at S150 and transmits the employee terminal 400 corresponding to the employee list having the payment agency right, (S160).

Accordingly, the business entity can simply grant the payment authorization authority to the employee using the business entity terminal 300. [

According to the embodiment, the business entity information may include information necessary for online settlement such as an identification number of a business entity or account information of the business entity.

The merchant ID may refer to information that can be given by the credit card company to identify the business entity. In addition, the card company may refer to any company or institution that can mediate settlement such as a card company and a bank.

The employee having the settlement authorization authority can process the customer's settlement request using the employee terminal 400. [ For example, the employee can perform settlement using NFC by executing a program installed in the employee terminal 400. [

A customer who desires payment can perform payment using the customer terminal 500. That is, the customer can execute the program installed in the customer terminal 500 and perform settlement by accessing the customer terminal 500 within the recognition range of the employee terminal 400. [

The customer can select a payment method using a program installed in the customer terminal 500. [ For example, the customer can select card settlement or account transfer as a payment means. When the card payment is selected, the customer can select the type of card to be paid or the installment of the card. When the account transfer is selected, the customer can select a bank to be transferred to the account.

In addition, the customer can input security information related to the selected payment method by using the program installed in the customer terminal 500. For example, the customer may enter information necessary for payment security, such as a password or authorized certificate information.

When the employee terminal 400 and the customer terminal 500 approach each other within the recognition range (S170), the employee terminal 400 transmits a payment request signal including the provider information and the payment amount information to the customer terminal 500 (S180 ).

The payment amount information may be received from the payment server 100 or inputted by the employee through the employee terminal 400. [

In response to the payment request signal received from the employee terminal 400, the customer terminal 500 transmits a payment approval signal including the provider information, the payment amount information, and the payment approval information to the card issuer server 200 (S190).

According to the embodiment, the payment approval information may include various information for securing the settlement method selected by the customer, the card ID of the customer, the account information of the customer, the password, the card security code, have.

The card issuer server 200 determines whether the transaction requested for approval is approved based on the payment approval signal received from the customer terminal 500 (S200). According to the determination result, when the transaction is approved, the credit card company server 200 transmits the transaction approval information to the payment server 100 (S210).

In addition, the card issuer server 200 may transmit the transaction approval information to the customer terminal 500 when the transaction is approved according to the determination result (S220).

According to an embodiment, the transaction approval information may include at least one of business information, payment amount information, or payment approval information.

The payment server 100 may transmit the transaction approval information and the ID of the employee terminal 400 to the business entity 300 in response to the transaction approval information received from the card company server 200 at step S230.

The business entity terminal 300 can display the transaction approval information and the ID of the employee terminal 400 so that the business entity can easily manage the payment information.

The payment server 100 may transmit an electronic coupon corresponding to the transaction approval information to the customer terminal 500 in response to the transaction approval information received from the card issuer server 200 at step S240.

According to an embodiment, the electronic coupon may be a receipt, a discount coupon, a gift exchange coupon, a coupon or a parking coupon.

FIG. 3 shows another embodiment of a schematic data flow used in the NFC-based payment system shown in FIG.

A part (S300 to S360) of the data flow shown in FIG. 3 and a part (S100 to S160) of the data flow shown in FIG. 2 are the same and therefore the description thereof will be omitted.

1 and 3, when the employee terminal 400 and the customer terminal 500 approach each other within the recognition range (S370), the customer terminal 500 transmits a payment approval signal including payment amount information and payment approval information To the employee terminal 400 (S380).

In response to the payment approval signal received from the customer terminal 500, the employee terminal 400 transmits a transaction approval request signal including the provider information, the payment amount information, and the payment approval information to the card issuer server 200 (S390).

The card issuer server 200 determines whether the transaction requested for approval is approved based on the transaction approval request signal received from the employee terminal 400 (S400). According to the determination result, when the transaction is approved, the credit card company server 200 transmits the transaction approval information to the payment server 100 (S410).

In addition, the card issuer server 200 may transmit the transaction approval information to the customer terminal 500 when the transaction is approved according to the determination result (S420).

The payment server 100 may transmit the transaction approval information and the ID of the employee terminal 400 to the business entity 300 in response to the transaction approval information received from the card company server 200 at operation S430.

The payment server 100 may transmit an electronic coupon corresponding to the transaction approval information to the customer terminal 500 in response to the transaction approval information received from the card issuer server 200 at step S440.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is evident that many alternatives, modifications and variations will be apparent to those skilled in the art. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

10; NFC-based payment system
100; Payment Server
110; Employee database
200; Card company server
300; Business terminal
400; Employee terminal
500; Customer terminal

Claims (3)

The payment server receiving the employee list request signal transmitted from the business entity terminal;
The payment server retrieving an employee list from the employee database in response to the employee list request signal and transmitting the retrieved employee list to the business entity terminal;
Receiving, by the payment server, an employee list having a payment agency right selected by a provider from the employee list and storing the received employee list in the employee database;
Transmitting, by the payment server, the provider information to the employee terminal corresponding to the employee list having the payment agency right in response to the employee list having the payment agency right;
Transmitting, by the employee terminal, a settlement request signal including the provider information and the settlement amount information to the customer terminal when the customer terminal and the employee terminal approach each other within the recognition range;
Transmitting, by the customer terminal, a payment approval signal including the provider information, the payment amount information, and the payment approval information to the card issuer server in response to the payment request signal; And
And the settlement server receives the transaction approval information transmitted from the card issuer server when the transaction is approved by the card issuer server that determines whether or not the transaction is approved based on the settlement approval signal. The method of claim 1, wherein the NFC-
And the payment server transmits an electronic coupon corresponding to the transaction approval information to the customer terminal in response to the transaction approval information. 1. An NFC-based payment system capable of performing near field communication (NFC) -based settlement using a payment server, a card company server, a business entity terminal, an employee terminal, and a customer terminal,
The payment server,
Receiving an employee list request signal transmitted from the business entity terminal,
Searching the employee list from the employee database in response to the employee list request signal, transmitting the retrieved employee list to the business entity terminal,
Receiving from the business entity terminal an employee list having a payment agency right selected by the business entity from the employee list, storing the received employee list in the employee database,
Transmitting the business entity information to the employee terminal corresponding to the employee list having the payment agency right,
Wherein the customer terminal transmits a payment approval signal including payment approval information to the employee terminal when the customer terminal and the employee terminal approach each other within the recognition range, and the employee terminal transmits the payment information in response to the payment approval signal, Payment amount information, and payment approval information to the card issuer server,
Wherein the payment server receives the transaction approval information from the credit card company server when the transaction is approved by the credit card company server that determines whether the transaction requested for approval is approved based on the transaction approval request signal.

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