KR20150112306A - Method and system for providing payment service using replacement information of user identification and credit card - Google Patents

Method and system for providing payment service using replacement information of user identification and credit card Download PDF

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Publication number
KR20150112306A
KR20150112306A KR1020140036182A KR20140036182A KR20150112306A KR 20150112306 A KR20150112306 A KR 20150112306A KR 1020140036182 A KR1020140036182 A KR 1020140036182A KR 20140036182 A KR20140036182 A KR 20140036182A KR 20150112306 A KR20150112306 A KR 20150112306A
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South Korea
Prior art keywords
payment
information
payment means
terminal
substitution
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KR1020140036182A
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Korean (ko)
Inventor
장석호
김명석
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비씨카드(주)
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Priority to KR1020140036182A priority Critical patent/KR20150112306A/en
Publication of KR20150112306A publication Critical patent/KR20150112306A/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
    • G06Q20/30—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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks

Abstract

The present invention relates to a method for providing a payment service by using replacement information of customer identification and payment means in a membership store terminal, and is to provide a method for providing a payment service through customer recognition, comprising the steps of: transmitting a payment request including user terminal identification information received through near field wireless communication from a user terminal, to a payment system; receiving payment measure replacement information corresponding to actual payment means of a customer and personal identification replacement information corresponding to the user terminal identification information, from the payment system; and transmitting, to the payment server, a payment completion request together with a confirmation result for payment means replacement information input through the membership store terminal and provided from a user recognized through the personal identification replacement information.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a method and system for providing a payment service using customer identification and payment information,

The present invention relates to a method and system for providing a payment service using substitute information of a customer identification and payment means, and more particularly, to a method and system for providing a payment service using substitute information of a customer identification and payment means, And a method and system for enabling a payment to be completed without exposing the payment means information.

In the case of credit transactions using a general credit card, transactions can be made only by holding a credit card directly. In the case of such a credit transaction, illegal use or damage cases frequently occur.

Accordingly, researches are being actively conducted on methods of using the mobile phone as a personal necessity as a means of payment such as cash or credit card.

For example, there is a mobile phone settlement method using a CDMA wireless communication network. However, there is a problem that the settlement is limited to a micropayment.

Also, there was a problem that infrastructures were required to settle the mobile phone at the merchant, and personal information such as mobile phone information was exposed to the merchant during the settlement process.

On the other hand, a payment means using an infrared sensor or the like adopts a method of detecting a signal output through an infrared sensor and performing payment. In such a system, there is a limit to the sensing distance and angle of the infrared sensor. Accordingly, in order to detect the output signal of the infrared sensor built in the mobile phone, the mobile phone has to be positioned accurately in the infrared detection unit.

Therefore, it is necessary to develop a technology that minimizes the exposure of personal information and transaction information while minimizing the manipulation of the user, even when there is no need to hold the physical card at the transaction at the merchant.

SUMMARY OF THE INVENTION An object of the present invention is to solve the problems of the prior art described above.

Another object of the present invention is to allow a user to complete the payment without having a payment means.

Another object of the present invention is to minimize exposure of information for customer identification and settlement means information, and to complete payment using information that does not need to maintain security while replacing it.

According to another aspect of the present invention, there is provided a method for providing a settlement service using substitute information of a customer identification and payment means in a merchant terminal, Transmitting a payment request including terminal identification information to a payment system; Receiving, from the payment system, personal identification substitution information corresponding to the user terminal identification information and payment means substitution information corresponding to the actual payment means of the customer; And transmitting a payment completion request to the payment server together with a confirmation result on the payment means substitution information, which is provided from a user recognized through the personal identification substitution information and input through the merchant terminal, A method of providing a settlement service through the Internet is provided.

According to another embodiment of the present invention, there is provided a method for providing a settlement service using substitution information of a customer identification and payment means in a payment system, the method comprising: receiving identification information of a user terminal acquired by an affiliate store terminal through short- Preparing payment to settlement means matching the identification information of the user terminal; Transmitting substitute information for personal identification matching the identification information of the user terminal to the payment terminal substitution information generated to complete the payment and corresponding to the actual payment means of the customer to the merchant terminal; And receiving the confirmation result of the one-time information for substituting the payment means from the merchant terminal and completing the settlement.

According to another embodiment of the present invention, there is provided a method for providing a settlement service using substitution information of a customer identification and payment means in a settlement system, the method comprising: receiving a settlement request including settlement means substitution information from an affiliate terminal ; Extracting actual payment means information that is stored and matched with the payment means substitution information; And performing payment approval for the settlement request using the actual settlement means information.

According to the present invention, the payment at the merchant can be completed without the user having the payment means.

Further, according to the present invention, even if the user does not perform any special action, the merchant can easily identify each user through the personal identification substitution information and complete the payment for the user.

According to the present invention, it is possible to easily perform settlement while minimizing exposure of personal identification information and payment means information requiring security when performing settlement.

1 is a diagram schematically showing the overall configuration of a customer recognition and settlement system according to an embodiment of the present invention.
FIG. 2 is a detailed view illustrating the configuration of an affiliate terminal according to an exemplary embodiment of the present invention. Referring to FIG.
3 is a diagram for explaining a configuration of a payment system according to an embodiment of the present invention in detail.
4 is a diagram for explaining a configuration of a settlement system according to another embodiment of the present invention in detail.
5 is a diagram for explaining a settlement service according to the first embodiment of the present invention.
6 is a diagram for explaining a settlement service according to a second embodiment of the present invention.

The following detailed description of the invention refers to the accompanying drawings, which illustrate, by way of illustration, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different, but need not be mutually exclusive. For example, certain features, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the invention in connection with an embodiment. It is also to be understood that the position or arrangement of the individual components within each disclosed embodiment may be varied without departing from the spirit and scope of the invention. The following detailed description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is to be limited only by the appended claims, along with the full scope of equivalents to which such claims are entitled, if properly explained. In the drawings, like reference numerals refer to the same or similar functions throughout the several views.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, so that those skilled in the art can easily carry out the present invention.

[Preferred Embodiment of the Present Invention]

1 is a diagram schematically showing the overall configuration of a customer recognition and settlement system according to an embodiment of the present invention.

Referring to FIG. 1, the system of the present invention may include a user terminal 100, an affiliate shop terminal 200, and a payment system 300.

The user terminal 100 may perform short-range wireless communication with the merchant terminal 200 to transmit user identification information. The user terminal 100 is a terminal used by a user as a user and is provided with a telephone number or a unique ID. The user terminal 100 can be a mobile phone, a smart phone, a PDA (personal digital assistant), a portable multimedia player (PMP) Can be implemented.

When the user terminal 100 and the franchisee terminal 200 perform short-range wireless communication, preferably Bluetooth communication is performed.

According to an embodiment, identification information is transmitted from the user terminal 100 to the franchise terminal 200 after the user terminal 100 and the franchise terminal 200 are paired. The transmitted identification information may be device identification information of the user terminal 100, for example, a device ID or a telephone number.

According to another embodiment, the user terminal 100 and the merchant terminal 200 may not perform short-range wireless communication. In this case, the user can provide the minimum amount of information required for the payment to the merchant's store orally, and the merchant store can input the provided information to the merchant terminal 200 to start the payment.

In order to perform Bluetooth communication between the user terminal 100 and the merchant terminal 200, a pairing process must be performed. The pairing process is as follows. First, either the customer terminal 100 or the merchant terminal 200 searches for a nearby Bluetooth device. In this case, the search subject device obtains the product information from the Bluetooth device that has permitted the search. The product information may include a Bluetooth address (BD address), a device name, a profile, and the like.

Profile is a specification that defines how to use Bluetooth in top-level applications. Profiles include: Cordless Telephony Profile, Intercom Profile, Serial Port profile, Headset Profile Headset, Dial-up Networking Profile, Fax Profile, Lan Access Profile, ), An Object Push Profile (File Transfer Profile), a File Transfer Profile (File Transfer Profile), and a Synchronization Profile (to synchronize with a PC).

The search subject device selects a Bluetooth device to be connected among the plurality of searched Bluetooth devices, and then requests pairing. In this case, the device that received the pairing request transmits personal identification information. An example of the personal identification information may be a Personal Identification Number (PIN) code.

The personal identification information may be generated in a disposable manner or may be set in advance. If the personal identification information requested by the search subject device is the same as the individual identification information transmitted by the retrieved device, the pairing between the two devices is completed.

When the pairing between the user terminal 100 and the merchant terminal 200 is completed in the above process, the user terminal 100 and the merchant terminal 200 share predetermined information.

The merchant terminal 200 according to the embodiment of the present invention transmits the payment request to the payment system 300 together with the identification information transmitted from the user terminal 100, Information and payment means substitution information for completing the settlement. The personal identification substitution information and the payment means substitution information will be described later in detail.

The merchant terminal 200 can be implemented as a POS terminal capable of inputting and transmitting various information and storing management information and the like. The franchisee terminal 200 according to the embodiment of the present invention may further include a communication module (not shown) for short-distance wireless communication with the user terminal 100. The communication module may be built in the franchise terminal 200, or may be mounted in a dongle form. For example, the merchant terminal 200 may be equipped with a Bluetooth dongle for Bluetooth communication with the user terminal 100. The Bluetooth dongle senses the Bluetooth communication signal from the user terminal 100 and enables Bluetooth communication between the affiliate terminal 200 and the user terminal 100.

The billing system 300 according to an embodiment of the present invention receives the user terminal 100 identification information from the merchant terminal 200 and searches for the user and payment information corresponding to the identification information. Then, the substitute information for personal identification for the searched user and the information for substituting the payment means for payment are transmitted to the franchised terminal 200. Accordingly, the merchant can identify the user among the users at the current merchant through the personal identification substitution information, and can transmit the final approval request for the payment to the payment system 300 through the information for substituting the payment means . Specifically, among the at least one personal identification substitution information transmitted from the payment system 300, the substitution information for the user who needs to complete the payment is selected, and then the substitution information for payment means is inputted from the user. Such payment method substitution information may be one-time information that is effectively utilized only for the payment. The merchant terminal 200 determines whether or not the payment means substitution information received from the payment system 300 matches the payment means substitution information input by the user and if it is determined that they match, Send an authorization request. In response to this request, the payment system 300 performs the final approval of the payment at the merchant.

In addition, the billing system 300 according to an embodiment of the present invention may transmit marketing promotion information to the user terminal 100 through the merchant terminal 200.

The promotion information provided from the payment system 300 may be discount information or benefit information at the corresponding merchant. For example, the promotion information provided from the settlement system 300 may be a settlement that matches the identification information of the user terminal 100 Recommendation information for the means may also be transmitted. The promotion information transmitted to the merchant terminal 200 may be transmitted to the user terminal 100 through the Bluetooth communication when the merchant terminal 200 is kept in a state of being paired for the Bluetooth communication with the user terminal 100 have.

The payment system 300 may be implemented by, for example, a financial company server such as a credit card company server, but is not limited thereto.

Hereinafter, the detailed configuration of the franchise terminal 200 will be described.

FIG. 2 is a detailed view illustrating the configuration of an affiliated member terminal 200 according to an exemplary embodiment of the present invention.

2, the merchant terminal 200 includes a short range wireless communication module 210, an external communication module 220, a payment request unit 230, a personal identification substitution information management unit 240, (250), a promotion information management unit (260), and a control unit (270). The external communication module 220, the payment request unit 230, the substitution information management unit 240 for the personal identification, the information management unit 250 for the payment means substitution, The promotion information management unit 260, and the control unit 270 may be program modules or hardware that can communicate with external devices. Such a program module or hardware may be included in the merchant terminal 200 or other device capable of communicating with the merchant terminal 200 in the form of an operating system, an application program module and other program modules, and may be physically stored on various known storage devices . Such program modules or hardware, on the other hand, encompass but are not limited to routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types in accordance with the invention.

Referring to FIGS. 1 and 2, each component of the franchise terminal 200 will be described below.

The short-range wireless communication module 210 according to one embodiment is a communication module for performing short-range wireless communication with the user terminal 100, for example, Bluetooth communication.

The identification information of the user terminal 100 is received from the user terminal 100 by the short range wireless communication module 210 and the promotion information received from the billing system 300 is transmitted to the user terminal 100 100). In the short-range wireless communication, a pairing process may be performed between the merchant terminal 200 and the user terminal 100. In order to perform the pairing, a password input through the user terminal 100 may be required. However, when the information on which the user terminal 100 and the merchant terminal 200 are paired has been registered in the merchant terminal 200 or the payment system 300, such a pairing process may be omitted. In this case, the user having the user terminal 100 can enter the franchise store, and at the same time, Bluetooth communication with the franchisee terminal 200 can be performed. As described above, the short-range wireless communication module 210 may be embedded in the merchant terminal 200, but may be implemented as a separate module externally mounted on the merchant terminal 100, for example, a Bluetooth dongle have.

According to another embodiment of the present invention, the short-range wireless communication module 210 may be omitted.

The external communication module 220 according to one embodiment enables communication between the merchant terminal 200 and the settlement system 300.

According to one embodiment, the merchant terminal 200 transmits a payment request including the identification information received from the user terminal 100 to the payment system 300, and receives from the payment system 300 the personal identification substitution information, Replacement information and promotion information, and the external communication module 220 enables such communication. The external communication module 220 enables communication between the merchant terminal 200 and the settlement system 300 through a wireless or wired network. The wireless or wired network can be configured without regard to its communication mode. For example, a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), a mobile communication network, Web).

Meanwhile, according to an embodiment of the present invention, the merchant terminal 200 may receive the settlement request after receiving the personal identification substitution information, the payment means substitution information, and the promotion information from the payment system 300 .

According to another embodiment of the present invention, the external communication module 220 may transmit the payment means substitution information provided by the user to the payment system 300. Accordingly, the settlement system 300 can perform settlement through the settlement substitution means substitution information, which will be described later in detail.

 The settlement request unit 230 according to an exemplary embodiment of the present invention includes a settlement request including the identification information (for example, a device ID or a telephone number) received from the merchant terminal 200 and the user terminal 100, ). The payment request may include information about the goods or services purchased by the user at the merchant, price information, and the like. The identification information may be temporarily stored in the merchant terminal 200 and then transmitted to the payment system 300.

Meanwhile, according to another embodiment of the present invention, the payment request unit 230 may transmit the payment request including the transaction information together with the payment method substitution information transmitted from the payment system 300 to the payment system 300 .

Meanwhile, the user of the user terminal 100 can register the payment means and set a password for each payment means through a predetermined application. For example, the user can register various payment means (for example, a credit card, a gift certificate, a coupon, etc.) as a payment means according to an embodiment of the present invention through the application, . In the case where the A credit card is designated as the first rank, the payment system 300 receiving the payment request from the payment request unit 230 can perform the settlement at the merchant for the user by using the A credit card. Of course, the final approval of the settlement via the A credit card can be made after confirmation of the information for substituting the payment means. The application may be transmitted from the billing system 300 or another application download server (not shown) to the user terminal 100.

According to the embodiment of the present invention, when the short-distance wireless communication with the affiliate shop terminal 200 is connected, the application automatically identifies the user terminal 100 to be shared between the user terminal 100 and the affiliate shop terminal 200 Lt; / RTI >

The personal identification substitution information management unit 240 according to an embodiment receives the substitution information for personal identification transmitted from the payment system 300. [ As described above, the payment system 300 receives the user terminal 100 from the user terminal 100 or the merchant terminal 200, and substitutes the personal identification substitute information registered with the information, Lt; / RTI > The personal identification substitution information may be information that allows the franchisor to identify the users at the current franchise, and may not require security. For example, it may be information such as name, telephone number, sex, age, personal characteristics, and the like. The merchant can identify the user based on the personal identification substitution information transmitted to the merchant terminal 200 and proceed to the subsequent process for completing the settlement by confirming the information for substituting the payment means for the user.

The payment means substitution information management unit 250 according to an embodiment receives the payment means substitution information transmitted from the payment system 300. [ The payment method substitution information may be matched with the substitution information for personal identification and received in one set. The payment-instrument substitution information may be confirmation information for finally completing the payment approval by the payment system 300, and may be information that is known only to the user, such as a part of the telephone number of the user terminal 100. [

For example, it is assumed that the name "Hong Kil Dong" as the personal identification substitution information and the number "1234" after the telephone number as the payment means substitution information are received from the payment system 300 as follows. A plurality of pieces of personally identifying substitute information are displayed on the screen of the merchant terminal 200. If a user named "Hong Gil Dong" wants to make a payment, the merchant shop selects the name "Hong Gil Dong" According to the name selection, the merchant terminal 200 provides an input interface for the payment means substitution information received together with the personal identification substitution information "Hong Kil Dong ". The merchant should give the user named "Hong Gil Dong" the back number of the telephone number as information for the payment method substitution. When the user inputs "1234" using the input interface provided by the merchant terminal 200, the merchant terminal 200 transmits the payment means substitution information transmitted from the payment system 300 and the substitution means input by the user And transmits a request for payment completion to the payment system 300. [

Meanwhile, according to another embodiment of the present invention, the payment means substitution information transmitted from the payment system 300 may be replaced with a payment information substitution information input request. When the payment method substitution information is the password of the payment means requiring security, the payment system 300 can transmit only the password input request to the merchant terminal 200 without transmitting the password. In this case, when the user inputs a password registered in advance for his or her payment means through the merchant terminal 200, the merchant terminal 200 transmits the password to the payment system 300. [ The settlement system 300 compares the pre-registered password with the password transmitted from the merchant terminal 200 to the payment means of the settlement, and if it is confirmed that the settlement is consistent, the settlement system 300 can finally approve the settlement.

In the above description, the request for substituting the settlement means and the request for substituting the settlement means are selectively transmitted, but both may be transmitted. For example, the billing system 300 may transmit a request for inputting a password of the payment means and a back position of the user's telephone number together. In this case, the user inputs his or her telephone number or a part thereof (for example, a back seat) through the merchant terminal 200 and transmits the password through a sign pad (not shown) connected to the merchant terminal 200 Can be input. The input information may be transmitted to the payment system 300.

The promotion information management unit 260 according to an embodiment receives the promotion information transmitted from the settlement system 300 and transmits the same to the user terminal 100. The promotion information may be transmitted together with the substitution information for personal identification and the substitution information for the payment means. The promotion information may be the benefit information available at the merchant (e.g., recommendation information on the payment means that can receive additional benefits when used at the merchant, discount information, etc.). The promotion information can be transmitted to the user terminal 100 through the short-range wireless communication. The user can confirm the promotion information and inform the merchant state about the specific benefit of the promotion information. The merchant store may transmit the inputted payment means substitution information together with the information on the benefit to be used together to the payment system 300 through the merchant terminal 200. [ At this time, the payment system 300 determines whether or not the selected benefit can be applied to the payment, and performs final payment approval.

Meanwhile, according to another embodiment of the present invention, the personal identification substitution information management unit 240, the payment means substitution information management unit 250, and the promotion information management unit 260 may be omitted.

The control unit 270 according to one embodiment includes a short range wireless communication module 210, an external communication module 220, a payment request unit 230, a personal identification substitution information management unit 240, a payment means substitution information management unit 250 ), And the promotion information management unit 260. [0154] FIG. That is, the control unit 270 according to the present invention includes a short range wireless communication module 210, an external communication module 220, a payment request unit 230, a personal identification substitution information management unit 240, 250, and the promotion information management unit 260, respectively.

Hereinafter, the detailed configuration of the payment system 300 will be described.

According to an embodiment of the present invention, the settlement system 300 may be implemented as a financial service server such as a credit card company server, a payment settlement server, a payment service server, and a financial institution server.

First, a case where the settlement system 300 is implemented as a financial company server according to an embodiment of the present invention will be described.

FIG. 3 is a diagram for explaining the configuration of the settlement system 300 according to an embodiment of the present invention in detail.

3, the payment system 300 includes a user information management unit 310, a personal identification alternative information transmission unit 320, a payment means substitution information transmission unit 330, a promotion information transmission unit 340, An approval unit 350, a communication unit 360, and a control unit 370. [ According to an embodiment of the present invention, the user information management unit 310, the personal identification alternative information transmission unit 320, the payment means substitution information transmission unit 330, the promotion information transmission unit 340, 350, the communication unit 360, and the control unit 370 may be program modules or hardware capable of communicating with external devices. Such program modules or hardware may be included in the billing system 300 or other device capable of communicating with it in the form of an operating system, application program modules and other program modules, and may be physically stored on various known storage devices . Such program modules or hardware, on the other hand, encompass but are not limited to routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types in accordance with the invention.

The user information management unit 310 according to an embodiment manages the identification information of the user terminal 100 and the personal information of the user (for example, characteristic information such as name phone number, sex, age, preferred goods, etc.) . Further, information on the payment means for each user, payment means substitution information, password for each payment means, and the like are managed. On the other hand, when there are a plurality of payment means, information on the use priority order of each payment means or information on the payment means to be used for each merchant may be managed. The information on the payment means may be stored and managed by matching with the identification information of the user terminal 100. The information may be one registered by the user through an application installed in the user terminal 100. For example, when the identification information of the user terminal 100 is received, the payment means having the highest priority among the payment means stored in correspondence with the corresponding identification information, or the payment means registered for use by the affiliated store, .

The personal identification substitution information transmission unit 320 according to an exemplary embodiment of the present invention transmits the personal identification substitution information stored in the user terminal 100 matching with the identification information of the user terminal 100 transmitted together with the payment request from the affiliate terminal 200, 200). The transmitted personally identifying alternative information may be information that does not require security, and may be other kinds of information each time it is transmitted, but is not limited thereto.

The payment means substitution information transmission unit 330 according to an exemplary embodiment of the present invention may be configured to transfer payment information to the payment terminal in order to complete the payment to the payment means that is matched with the identification information of the user terminal 100 transmitted together with the payment request from the merchant terminal 200 And transmits the information for substituting the payment means. The payment means substitution information may be transmitted in a different kind each time a transfer request is issued from the merchant terminal 200. [ The payment means substitution information may be generated immediately before transmission, or may be stored in advance in the database. For example, when an information request for substituting the payment means is generated from the merchant terminal 200, the payment means substitution information transmission unit 330 extracts only the telephone number of the telephone number of the user terminal 100, It can be transmitted as substitution information. On the other hand, the payment means substitution information transmission unit 330 may transmit an input request to the franchisee terminal 200 instead of the payment means substitution information.

The promotion information transmission unit 340 transmits the promotion information in response to a payment request including the identification information of the user terminal 100 transmitted from the franchised terminal 200. [ The promotion information may be the benefit information at the time of using the payment means matching the identification information, the benefit information applicable at the merchant, the recommendation information about the payment means that can receive the most benefits from the merchant, and the like. The promotion information may be transmitted to the user terminal 100 through the merchant terminal 200 or may be transmitted directly to the user terminal 100. The user may receive the benefit desired to be applied through the user terminal 100 You may decide, or you may provide the merchant with the benefit information you want to apply. When the benefit is determined through the user terminal 100, the corresponding information is transmitted to the merchant terminal 200 through the short-distance wireless communication and is transmitted to the payment system 300. When providing the desired benefit information to the merchant, The transfer to the payment system 300 through the merchant terminal 200 can be performed.

The settlement approval unit 350 according to an embodiment of the present invention finally approves the payment for the settlement request from the merchant terminal 200. [ As described above, in the case of information for substituting the payment means that does not require security, the information is transmitted to the merchant terminal 200 and compared with the payment means substitution information input by the user at the merchant store can be made by the merchant terminal 200 At this time, a payment completion request may be transmitted from the merchant terminal 200 to the payment system 300. That is, the merchant terminal 200 may compare the payment means substitution information transmitted from the payment system 300 with the currently inputted payment means substitution information, and may transmit information to the payment system 300 that the matching information is confirmed. On the other hand, when only the input request of the payment method substitution information is transmitted to the merchant terminal 200, the payment method substitution information input by the user is transmitted to the payment system 300, The settlement approval unit 350 directly determines whether the validity is valid or not. When payment information substitution information coincides with each other, the settlement that has been prepared based on the identification information of the user terminal 100 is finally completed. Payment completion may be accomplished by applying together the benefit information selected by the user.

The communication unit 360 according to one embodiment enables communication between the payment server 300 and an external device. Specifically, a payment request including identification information of the user terminal 100 is received from the user terminal 100 or the merchant terminal 200, and the substitution information for personal identification, the information for substituting the payment means, To the terminal (200).

The control unit 370 according to one embodiment includes a user information management unit 310, a personal identification substitution information transmission unit 320, a payment means substitution information transmission unit 330, a promotion information transmission unit 340, The control unit 350, and the communication unit 360. [0064] That is, the control unit 370 according to the present invention includes a user information management unit 310, a personal identification alternative information transmission unit 320, a payment means replacement information transmission unit 330, a promotion information transmission unit 340, The control unit 350, and the communication unit 360, respectively.

Hereinafter, the configuration of the settlement system 300 according to another embodiment of the present invention will be described.

4 is a diagram illustrating a configuration of a payment system 300 according to another embodiment of the present invention.

4, a payment system 300 according to another embodiment of the present invention includes a payment relay server 410, a payment agent server 420, and a financial company server 430. [

The payment relay server 410 receives the payment substitution information from the merchant terminal 200. [ The payment substitution information may include identification information of the user terminal 100 and a password (for example, a payment PIN number) for payment. When the payment substitution information is received, the payment substitution server 420 is transmitted to the payment substitution server 420. The payment relay server 410 may be implemented by, for example, a VAN company.

The payment proxy server 420 receives the payment substitution information from the payment relay server 410 and extracts the corresponding virtual payment means information. For this, the settlement proxy server 420 may match and store the virtual settlement means information for each settlement alternate information. The settlement proxy server 420 transmits the extracted virtual payment means information to the financial company server 430. The virtual payment means information is matched with the actual payment means on a one-to-one basis, but may be information set differently from the identification information of the actual payment means. The virtual payment means information may include financial institution identification information. The settlement proxy server 420 can determine to which financial institution the virtual payment means information extracted by the virtual payment means information corresponding to the payment substitution information is to be transmitted. The payment proxy server 420 may be implemented by, for example, a PG company.

The financial company server 430 receives the virtual settlement means information from the settlement agency server 420 and transmits the actual settlement means information to the settlement agency server 420 again. For this purpose, the financial company server 430 may match and store the virtual settlement means information for each actual settlement means. The settlement proxy server 420 receiving the actual settlement means information from the financial company server 430 delivers the information to the settlement relay server 410. The settlement relay server 410 transmits the information included in the settlement request received from the merchant terminal 200 and the received actual settlement means information to the financial company server 430 to request payment approval.

Hereinafter, a method of a payment service according to various embodiments of the present invention will be described.

1st Example

5 is a diagram illustrating a process of providing a payment service according to the first embodiment of the present invention.

The credit card information to be used as a payment means by a user having the user terminal 100 in advance, a password for each card, and the like may be registered in the payment server 300. At this time, the user personal characteristic information can be registered together, and this can be utilized as substitute information for personal identification.

Referring to FIG. 5, when a user having the user terminal 100 enters the merchant, a short-range wireless communication connection between the user terminal 100 and the merchant terminal 200 becomes possible (1). For example, the pairing for Bluetooth communication can be performed. If the pairing information is registered in the merchant terminal 200 or the like, the corresponding pairing process can be omitted.

Identification information of the user terminal 100 is transmitted from the user terminal 100 to the affiliate terminal 200 through short-distance wireless communication (2). Upon receiving the identification information, the merchant terminal 200 temporarily stores the identification information, and then transmits the payment request including the identification information and the payment information to the payment system 300 (3).

The settlement system 300 prepares for settlement to matching payment means based on the received identification information of the user terminal 100 (4). The payment preparation is based on the payment information transmitted from the merchant terminal 200. The payment system 300 prepares the payment and transmits the personal identification substitution information, the payment substitution information, and the promotion information to the merchant terminal 200 (step 5). The payment method substitution information may be generated each time a payment request is made. However, the payment means substitution information may be information previously registered, for example, information about the type of credit card held by the user and usable as a payment means. For example, a list such as an A-company card, a B-company card, a C-company card, etc. may be transmitted as payment means replacement information.

The merchant terminal 200 identifies the user to be charged based on the received personal identification substitution information (6). When the specific identification alternative information is selected through the merchant terminal 200, the payment completion request function of the merchant terminal 200 is activated, and the request for inputting the payment means substitution information and the promotion information are provided. Promotion information may also be transmitted to the user terminal 100 via short-range wireless communication (7). When the payment method substitution information is input (8), the merchant terminal 200 can perform the verification itself (9). However, when the input information is directly transmitted to the payment system 300, the step (9) may be omitted. Meanwhile, among the benefits included in the promotion information received from the payment system 300 through the merchant terminal 200, the benefits to be applied to the payment can be selected (10).

When the input of the payment method substitution information and the selection of the benefit information are completed, a payment completion request is transmitted to the payment system 300 together with the information (11). A password for the payment means used for the payment may be required before the payment completion request. The password can be input through a sign pad or the like connected to the merchant terminal 200. The password is transmitted to the settlement system 300 as a payment completion request. The settlement system 300 finally processes the settlement approval based on the received information (11), and notifies the merchant terminal 200 that the settlement is finally completed.

According to the present embodiment, the user can complete the settlement through the short-distance wireless communication with the affiliate terminal 200 without having any other payment means other than the user terminal 100. [

In addition, the user can complete settlement by only a short distance wireless communication without additional communication cost without direct communication between the user terminal 100 and the settlement system 300, and can obtain the currently available promo information in real time without communication with the outside .

Second Example

6 is a diagram for explaining a method of providing a payment service according to a third embodiment of the present invention.

Referring to FIG. 6, a payment process is started by a user having a user terminal 100 entering a specific merchant (1).

According to one embodiment, location information of the user terminal 100 may be obtained. The determination of the location information may be performed by a method of acquiring the location information of the current user terminal 100 through a short distance communication between the local communication module (for example, beacon) existing in the merchant and the user terminal 100 . For example, when the user terminal 100 having received the information of the short-range communication module transmits the information to a separate server or the payment system 300, the server or the payment system 300 can receive the information of the current user terminal 100 The position can be determined. Alternatively, the location information of the user terminal 100 may be checked using a GPS communication module and a Wi-Fi communication network. The acquired location information is transmitted to the settlement system 300 and the settlement system 300 transmits the location information related to the user of the user terminal 100 to the merchant terminal 200 where the current user terminal 100 is located, Information can be transmitted. Accordingly, the merchant terminal 200 can receive user related information (2). The transmitted information may be information for user identification. This may be the same type as the substitute information for user identification in the first embodiment or the second embodiment, but it may be any type of information that does not require security but enables user discrimination.

According to another embodiment, the process (2) is omitted, and the location information of the user terminal 100 may be used as verification information in the final approval step of the payment. Specifically, as described later, the user verbally informs the franchisee of the information for substituting the payment means, and transmits the corresponding payment means substitution information to the payment system 300 through the franchisee's stock shop 200 However, since it is possible to pay only by informing the information for substituting the payment means verbally, the safety may be deteriorated. Accordingly, the billing system 300 determines whether or not the user terminal 100 of the user is at the merchant store where the merchant terminal 200 that transmitted the payment request is located at the final payment approval stage, Final approval of payment may be made.

The payment can be started by informing the franchisee of the information for substituting the payment means so that the franchisee enters the information into the franchise shop terminal 200. [ The payment means substitution information may be information including identification information of the user terminal 100 and a password (for example, a payment password such as a PIN number). That is, the payment means substitution information in the third embodiment is preferably implemented as information already known by the user. The password may be input by a user or an agent through an input interface (for example, an input pad, etc.) provided in the merchant terminal 200. In addition, the payment means substitution information may be transmitted from the user terminal 100 to the merchant terminal 200 through the short-distance wireless communication method.

In this manner, the payment means substitution information can be input or received to the merchant terminal 200 (3). The payment means substitution information may include personal authentication information (PIN number or the like), but in addition, an input interface of personal authentication information may be separately provided. The user may input the personal authentication information through the interface and transmit the personal authentication information to the payment system 300 to complete the personal authentication process. For example, the merchant terminal 200 receives only the mobile phone number as the payment means substitution information from the user terminal 100, and executes it by itself in the merchant terminal 200 or at the request of the payment system 300 The user or the merchant can input personal authentication information through the personal authentication information input interface.

The information input to the merchant terminal 200 is transmitted to the payment system 300 (4). As described above, the payment system 300 includes a payment relay server 410, a payment agent server 420, and a financial company server 430. The payment system 300 includes information input to the merchant terminal 200, The information is transmitted to the settlement proxy server 420 via the settlement relay server 410 (5). The payment agent server 420 extracts the payment means substitution information and the virtual payment means information stored in a matching manner. The virtual settlement means information may include financial institution information, and on the basis of this, the settlement agency server 420 transmits the virtual settlement means information to the financial company server 430 of the financial institution (6). In the financial company server 430, the virtual settlement means information and the actual settlement means information stored in match are extracted. The extracted information is transmitted again to the settlement relay server 410 through the settlement proxy server 420 (7). The payment relay server 410 transmits the actual payment means information to the financial company server 430 together with the payment information (the purchased item, the purchase amount, etc.) transmitted through the merchant terminal 200, .

According to the present embodiment, the user can perform settlement without having a separate settlement means. In addition, it is possible to perform settlement using only known payment means substitution information without taking out the user terminal 100 in addition to the payment means.

The embodiments of the present invention described above can be implemented in the form of program instructions that can be executed through various computer components and recorded on a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination. The program instructions recorded on the computer-readable recording medium may be those specially designed and constructed for the present invention or may be those known to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, 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 generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules for performing the processing according to the present invention, and vice versa.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Those skilled in the art will appreciate that various modifications, additions and substitutions are possible, without departing from the scope and spirit of the invention as disclosed in the accompanying claims.

Therefore, the spirit of the present invention should not be construed as being limited to the above-described embodiments, and all of the equivalents or equivalents of the claims, as well as the following claims, I will say.

100: User terminal
200: Merchant terminal
300: Payment Server
210: Local area wireless communication module
220: External communication module
230:
240: Alternate information management section for personal identification
250: Information management part for substituting payment means
260: Promotion information management unit
310: User information management unit
320: Alternative information transmission part for personal identification
330: Information transferring unit for substituting payment means
340: Promotion information transmission unit
350:

Claims (10)

A method for providing a payment service using an identification information of a merchant terminal and substitute information of a payment means,
Transmitting a payment request including user terminal identification information received through short-range wireless communication from a user terminal to a payment system;
Receiving, from the payment system, personal identification substitution information corresponding to the user terminal identification information and payment means substitution information corresponding to the actual payment means of the customer; And
And transmitting the payment completion request to the payment server together with the confirmation result of the payment means substitution information provided from the user recognized through the personal identification substitution information and input through the merchant terminal, How to provide payment service through. A method for providing a payment service using a customer identification and substitution information of a payment means in a payment system,
Receiving identification information of the user terminal acquired by the merchant terminal through the short-distance wireless communication and preparing for payment to the payment means matching the identification information of the user terminal;
Transmitting substitute information for personal identification matching the identification information of the user terminal to the payment terminal substitution information generated to complete the payment and corresponding to the actual payment means of the customer to the merchant terminal; And
And receiving the confirmation result of the one-time information for substituting the payment means from the merchant terminal and completing the payment. A method for providing a payment service using a customer identification and substitution information of a payment means in a payment system,
Receiving a payment request including payment-instrument substitution information from the merchant terminal;
Extracting actual payment means information that is stored and matched with the payment means substitution information; And
And performing payment approval for the payment request using the actual payment means information. The method of claim 3,
The actual payment method information extracting step may include:
Extracting virtual settlement means information that is matched with the payment means substitution information; And
And extracting the actual payment means information stored in a matching manner with the virtual payment means information. The method of claim 3,
In the payment approval step,
And performing the payment approval only when the location of the user terminal of the owner of the actual payment means is an affiliated store provided with the merchant terminal. A franchisee terminal for providing a payment service using customer identification and substitution information of a payment means,
A settlement request unit for transmitting a settlement request including user terminal identification information received from a user terminal via short-range wireless communication to a payment server;
A substitute information management unit for a person identification for receiving the substitution information for personal identification corresponding to the user terminal identification information from the payment server; And
Wherein the payment information is received from the payment server for payment means substitution for performing settlement to the payment means matched with the user terminal identification information, And a one-time information management unit for substituting a payment means for transmitting a payment completion request to the payment server together with the confirmation result of the information. A system for providing a settlement service using customer identification and substitution information of a payment means,
A user information management unit for receiving the identification information of the user terminal acquired by the merchant terminal through the short-distance wireless communication and preparing for payment to the payment means matching the identification information of the user terminal;
A substitute information transmitting unit for sending a substitute personal identification information matching the identification information of the user terminal to the franchisee terminal;
A one-time information transfer unit for substituting a payment means for generating payment means substitution information corresponding to an actual payment means to complete the payment and transmitting the information to the franchisee terminal; And
And a payment approval unit for receiving a confirmation result of the one-time information for substituting the payment means from the affiliate terminal and completing the payment. A system for providing a settlement service using customer identification and substitution information of a payment means,
A payment relay server for receiving a payment request including payment means substitution information from the merchant terminal; And
And a financial service server for extracting actual payment means information stored as matching payment information for substituting the payment means and performing payment approval for the payment request using the extracted actual payment means information. 9. The method of claim 8,
Further comprising a settlement agency server for extracting the virtual settlement means information matching and storing the settlement means substitution information and transmitting the extracted information to the financial company server,
Wherein the financial company server extracts actual payment means information stored in correspondence with the virtual payment means information. 9. The method of claim 8,
The financial-
And performs the payment approval only when the location of the user terminal of the owner of the actual payment means is an affiliated store provided with the merchant terminal.
KR1020140036182A 2014-03-27 2014-03-27 Method and system for providing payment service using replacement information of user identification and credit card KR20150112306A (en)

Priority Applications (1)

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KR1020140036182A KR20150112306A (en) 2014-03-27 2014-03-27 Method and system for providing payment service using replacement information of user identification and credit card

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020140036182A KR20150112306A (en) 2014-03-27 2014-03-27 Method and system for providing payment service using replacement information of user identification and credit card

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