KR20150112828A - The method and apparatus of settling an account - Google Patents

The method and apparatus of settling an account Download PDF

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Publication number
KR20150112828A
KR20150112828A KR1020150040320A KR20150040320A KR20150112828A KR 20150112828 A KR20150112828 A KR 20150112828A KR 1020150040320 A KR1020150040320 A KR 1020150040320A KR 20150040320 A KR20150040320 A KR 20150040320A KR 20150112828 A KR20150112828 A KR 20150112828A
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KR
South Korea
Prior art keywords
payment
information
code
server
settlement
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KR1020150040320A
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Korean (ko)
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양진호
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양진호
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Publication of KR20150112828A publication Critical patent/KR20150112828A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]

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

Abstract

The present invention relates to a payment device and a method thereof, more specifically, to a payment device and a method thereof which drastically reduce possibilities of crimes using personal information. The payment device according to the present invention comprises: a payment information receiving unit for receiving purchase information; a code generating unit for generating a cognitive code in which payment agency company information is added to purchase information, transmitting the cognitive code to a seller server, generating a cognitive code in which sales company information is added to the purchase information, and transmitting the cognitive code to the payment agency server; a payment unit managing unit for transmitting payment unit information used for payment to the payment agency server, displaying that payment processes are no longer performed and ending processes if a validity verifying result about a payment unit is not valid in the payment agency server, and receiving a validity verifying code if the validity verifying result about the payment unit is valid in the payment agency server; and a payment requesting unit for simultaneously transmitting the validity verifying code to the seller server while transmitting a payment confirming signal for confirming final payment to the payment agency server.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement apparatus and method,

 The present invention relates to a settlement apparatus and method, and more particularly, a purchase and settlement process is performed through a process of separately separating a purchase process and a settlement process and confirming and approving the progress of the purchaser directly in each of the purchase process and the settlement process The payment is performed without providing the card and account number information to the seller. Even if the personal information such as the card and the account number is leaked, the payment can not be made without the approval of the buyer. Therefore, The present invention relates to a settlement apparatus and a method for significantly reducing settlement costs.

Generally, in a credit card payment in an offline store, a clerk located at a counter purchases a product to be purchased by a customer, and the credit card payment is approved by the credit card company, and the customer proceeds to the process of purchasing the product do. Also, the credit card payment for receiving the service (restaurant, coffee shop, etc.) desired by the customer is also completed by the credit card by the clerk located at the counter before and after using the service.

On the other hand, when a user purchases an item in an online environment, the user accesses the shopping mall site through the client terminal, searches for a product to be purchased, performs credit card settlement, and confirms the product purchase result through the client or the portable terminal.

However, in the case of such an on-line payment, the buyer transmits the payment card or account number to the seller or provides the payment card or the account number information such as the card number to the seller server, so that the seller or the third party There is a problem that the buyer's card information can be stolen.

In addition, since the settlement process after the purchase decision of the goods is made is performed by the business process between the seller and the settlement agency, there is a problem that the settlement is made without the confirmation process of the buyer.

Korean Patent Publication No. 10-2001-0098086

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 a method and system for purchasing and payment, which separately separates a purchasing process and a payment process, The payment is carried out without providing the card and the account number information to the seller. Even if the personal information such as the card and the account number is leaked, the payment can not be made without the approval of the buyer. And to provide a settlement apparatus and a method for significantly reducing the hold.

In order to accomplish the object of the present invention, a settlement apparatus according to the present invention is characterized in that, when goods are selected and purchased at an online shopping mall or an off-line merchant, a payment history including a unique number, And a recognition code including payment agency information added to the purchase history information and transmits the recognition code to the seller server to generate a recognition code including the seller information in the purchase history information And a settlement server that transmits settlement information to the settlement agency server. If the result of the validity check on the settlement agent in the settlement agent server is invalid, the settlement process can not be further advanced And terminates the process, and validates the payment means at the payment agent server A settlement management unit for receiving a validation verification code indicating that settlement can be approved for the transaction, and a settlement confirmation signal for confirming the final settlement to the payment agency server, And a payment request unit for transmitting the payment request to the server.

According to another aspect of the present invention, there is provided a payment method in which when a user selects and purchases a product from an online shopping mall or an off-line merchant, the purchaser terminal receives a unique number, A second step of generating a recognition code including payment agency information to the purchase history information and transmitting the recognition code to a seller server; a second step of receiving, from the buyer terminal, A third step of generating a recognition code including selling information by adding the seller information to the purchase history information and transmitting the recognition code to the payment agency server; and a buyer terminal for transmitting the payment instrument information to the payment agent server, And if the validation result of the payment means in the payment agent server is not valid, A sixth step of receiving a validation verification code if the result of validation of the payment means in the payment agent server is valid, And upon receipt of the validation code, the buyer terminal transmits a payment confirmation signal for confirming the final payment to the payment agency server.

As described above, according to the settlement apparatus and method of the present invention, the purchasing process and the settlement process are separately separated, and the purchaser directly confirms and approves the progress status in each of the purchase process and the settlement process, The payment is performed without providing the card and the account number information to the seller. Even if the personal information such as the card and account number information is leaked, the payment is not made without the approval of the buyer, The effect of the present invention is remarkably reduced.

1 is a block diagram showing a schematic configuration of a payment system.
2 is a diagram illustrating a configuration of a purchaser terminal 100 according to an embodiment of the present invention.
3 is a diagram illustrating a configuration of a seller server 200 according to an embodiment of the present invention.
FIG. 4 is a diagram illustrating a configuration of a payment proxy server 300 according to an embodiment of the present invention.
5 is a flowchart showing each step of the settlement method according to an embodiment of the present invention.

The present invention will now be described in detail with reference to the accompanying drawings.

1 is a block diagram showing a schematic configuration of a payment system. The payment system includes a buyer terminal 100, a seller server 200, a payment agent server 300, a financial company server 400, etc., and these components are connected to each other through a network.

The purchaser terminal 100 is a device used by a user who intends to purchase goods or services according to the payment service according to the present invention, and is, for example, a PC, a PDA, a mobile phone, or the like. The purchaser terminal 100 that wishes to use the payment service according to the present invention must be provided with a program for using the payment service. A user who uses a payment service according to the present invention is a person who purchases an article or a service and is generally referred to as a purchaser for convenience of explanation.

The seller server 200 may be a server operated by a seller of goods or services, and the seller may be an online store that sells goods or services online or a force terminal of a store that sells goods or services offline.

The settlement proxy server 300 is a device that provides a service allowing a user having the buyer terminal 100 to make payment for a purchased item when the user wants to settle the goods or service. Examples of the payment means include a payment card and an account number, and the payment card is a credit card, a prepaid card, a traffic card, or a gift certificate.

The financial company server 400 is a device for performing verification or approval of a payment card or an account number in response to a payment verification or approval request from the payment agent server 300, and may be operated by a bank.

Referring to FIG. 1, a schematic operation of the settlement system will be described below. When a buyer having a buyer terminal 100 wants to purchase an item or a service, the seller server 200 sends purchase history information including a unique number (e.g., a franchise number) of the store, product information, 100).

2 is a diagram illustrating a configuration of a purchaser terminal 100 according to an embodiment of the present invention.

2, the purchaser terminal 100 includes a payment information receiving unit 110, a code generating unit 120, a payment means managing unit 130, and a payment request unit 140.

When the selection and purchase of a product are performed at an online shopping mall or an offline merchant, the payment information receiving unit 110 receives purchase history information including the unique number, product information, amount, etc. of the retailer from the seller server 200 .

Also, the code generating unit 120 generates a recognition code including payment agency information to the purchase history information, and transmits the recognition code to the seller server 200. The code generation unit 120 generates a recognition code And transmits it to the payment agent server 300. The recognition code includes both one-dimensional or two-dimensional codes that may include information such as an RFID tag, a barcode, or a QR code.

The payment means management unit 120 transmits the payment means information to be used for payment to the payment agent server 300. [ At this time, the payment means information is information on the payment card and the account number. Also, the payment means management unit 120 receives from the payment agent server 300 a result of the validity verification indicating whether or not the transmitted payment means information is effective in paying the price of the purchase detail information. As a result of the validity check, if the payment means is not valid, it is indicated that the payment process can not proceed any more, and the process is terminated. If the payment means is valid, the validity verification code is received. The validation code includes settlement proxy server and settlement information for the transaction.

The settlement requesting unit 130 transmits a settlement confirmation signal to the settlement proxy server 300 and at the same time transmits a validity verification code to the seller server 200 and then the settlement proxy server 300 The settlement process is completed through the process.

As described above, the buyer terminal 100 receives the purchase history information from the seller server 200, confirms the purchase details of the purchaser, and transmits the payment means information directly to the payment agent server 300 to proceed with the payment, And by receiving the validation verification code from the settlement proxy server 300, the buyer can finally make a decision on settlement.

3 is a diagram illustrating a configuration of a seller server 200 according to an embodiment of the present invention.

Referring to FIG. 3, the seller server 200 includes a send / receive unit 210 and a settlement unit 230.

When the purchaser selects and purchases a product at an online shopping mall or an off-line merchant, the transmission / reception unit 210 transmits purchase detail information including a unique number of the retail store, product information, amount of money, etc. to the buyer terminal 100 do. Also, the transceiver 210 receives the recognition code from the purchaser terminal 100. [

The settlement unit 230 receives a validation code for the transaction from the settlement proxy server 300. Since the validation code is a code indicating that settlement can be approved for the transaction, the validation code can be used to claim the amount using the code. Accordingly, the settlement unit 230 requests the settlement proxy server 300 that made the payment using the validation verification code for the transaction, and receives the payment.

FIG. 4 is a diagram illustrating a configuration of a payment proxy server 300 according to an embodiment of the present invention.

4, the payment proxy server 300 includes a payment information processor 310, a payment verification processor 320, a verification code issuing unit 330, and a payment performing unit 340.

The payment information processing unit 310 receives the recognition code received from the seller server 200. [

The payment verification processing unit 320 receives the payment means information from the buyer terminal 100. [ Then, the payment verification processing unit 320 requests the financial company server 400 to verify the validity of the payment means with respect to the price information included in the recognition code, and receives the result.

If the validity verification result received by the payment verification processing unit 320 is affirmative, the verification code issuing unit 330 issues a validation verification code to the purchaser terminal 100, and if the validation verification result is negative, Transmits the disallowed information and ends the settlement process.

Upon receiving the settlement confirmation signal from the buyer terminal 100, the payment performing unit 340 requests the financial company server 400 for the payment amount using the validity verification code. Also, the seller information is read out from the recognition code, and the validity verification code is transmitted to the seller server 200 so as to enable billing for the transaction.

5 is a flowchart showing each step of the settlement method according to an embodiment of the present invention.

The purchaser selects and purchases the product from the online shopping mall or offline merchant (step 1).

The payment information receiving unit 110 of the purchaser terminal 100 receives the purchase history information including the unique number of the retailer, the product information, the amount, and the like from the seller server 200 (step 2).

In addition, the code generating unit 120 of the purchaser terminal 100 generates a recognition code including payment agency information added to the purchase history information, and transmits the recognition code to the seller server 200 (step 3).

In addition, the code generating unit 120 of the purchaser terminal 100 generates a recognition code including the seller information and adds it to the purchase history information, and transmits the recognition code to the payment agency server 300 (step 4).

The payment means management unit 120 of the purchaser terminal 100 transmits the payment means information to be used for payment to the payment agent server 300 (Step 5). At this time, the payment means information is information on the payment card and the account number.

The payment verification processing unit 320 of the payment proxy server 300 receives the payment means information from the purchaser terminal 100 and requests the financial server 400 to verify the validity of the payment means with respect to the price information included in the recognition code (Step 6), and receives the result (step 7). If the validation result is affirmative, the validation code issuing unit 330 issues a validation code to the purchaser terminal 100, and if the validation result is negative, the validation code issuing unit 330 transmits the commodity purchase disallowance information. At this time, the payment means information is information about the payment card for financial settlement and the financial account.

The payment method management unit 120 of the purchaser terminal 100 receives from the payment proxy server 300 a result of the validity verification indicating whether or not the transmitted payment means information is valid for payment of the purchase history information Step 8). As a result of the validity check, if the payment means is not valid, it is indicated that the payment process can not proceed any more, and the process is terminated. If the payment means is valid, the validity verification code is received. The validation code includes settlement proxy server and settlement information for the transaction.

The payment request unit 130 of the purchaser terminal 100 transmits a payment confirmation signal to the payment agent server 300 (step 9).

Upon receiving the payment confirmation signal from the purchaser terminal 100, the payment performing unit 340 of the payment proxy server 300 requests the financial company server 400 for the payment amount using the validity verification code. In addition, the seller information is read out from the recognition code, and the identification code is transmitted to the seller server 200 so that billing for the transaction is enabled (step 10).

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, You will understand. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

100: Buyer terminal 110: Payment information receiver
120: Code generation unit 130: Payment means management unit 140: Payment request unit 200: Seller server 210: Transmission / reception unit 220:
300: settlement agency server 310: settlement information processor
320: payment verification processing unit 330: verification code issuing unit 340: settlement performing unit 400: financial server

Claims (9)

A payment information receiving unit that receives purchase history information including a unique number of a retailer, product information, and amount of money from a seller server when selection and purchase of a product are performed at an online shopping mall or an offline merchant;
Generating a recognition code by adding payment agency information to the purchase history information and transmitting the generated recognition code to a seller server, generating a recognition code including seller information and adding the purchase history information to the payment server, Wow,
And transmits the payment means information to be used for payment to the payment agent server. If the result of the validity check on the payment means in the payment agent server is not valid, it indicates that the payment process can not proceed any more and ends the process. A payment means management unit for receiving a validity verification code indicating that payment can be approved for the transaction,
A settlement requesting unit for transmitting a settlement confirmation signal for confirming the final settlement to the settlement agency server and transmitting the validity verification code to the seller server,
And the payment device. The method according to claim 1,
Wherein the recognition code is a one-dimensional or two-dimensional code that can include information such as a unique number of a store, product information, and an amount, such as an RFID tag, a barcode or a QR code. The method according to claim 1,
Wherein the payment means information is information on a payment card and a financial account for financial settlement. When the selection and purchase of a product are performed at an online shopping mall or an offline merchant, the purchaser terminal includes a first step of receiving purchase history information including a unique number of the retailer, product information, and amount of money from the seller server;
A code generation unit of the purchaser terminal generates a recognition code including payment agency information added to the purchase history information and transmits the recognition code to a seller server;
A code generation unit of the purchaser terminal generates a recognition code including the sales history information added to the purchase history information and transmits the recognition code to the payment agency server;
A fourth step of the purchaser terminal transmitting payment means information to be used for payment to a payment agent server;
If the result of the validation of the payment means in the payment agent server is not valid, the buyer terminal displays that the payment process can not be proceeded and ends the payment process;
A sixth step of receiving, when the validity verification result of the payment means in the payment agent server is valid, the validity verification code indicating that the buyer terminal can approve the payment for the transaction;
Receiving the validation code, the buyer terminal transmits a payment confirmation signal for confirming the final payment to the payment agent server;
The method comprising the steps of: 5. The method of claim 4,
Wherein the recognition code is a one-dimensional or two-dimensional code that can include information such as a unique number of a store, product information, and amount of money, such as an RFID tag, a barcode or a QR code. 5. The method of claim 4,
Wherein the payment means information is information on a payment card for financial settlement and information on a financial account. A payment information processing unit for receiving the recognition code received from the seller server,
A settlement verification processing unit for receiving the payment means information from the buyer terminal, requesting the financial institution server to verify the validity of the payment means indicating whether or not the price information included in the recognition code can be paid to the payment means,
If the validity verification result received by the payment verification processing unit is affirmative, a validity verification code indicating that payment can be approved for the transaction is transmitted to the purchaser terminal, and if the validity verification result is negative, A verification code issuing unit,
A billing amount is charged to the financial institution server using the validation verification code, the seller information is read out from the recognition code, the validation code is transmitted to the seller server, and a billing A payment performing unit
Wherein the payment server comprises: 8. The method of claim 7,
Wherein the recognition code is a one-dimensional or two-dimensional code that can include information such as an RFID tag, a barcode, or a QR code. 8. The method of claim 7,
Wherein the payment means information is information on a payment card for financial settlement and information on a financial account.


KR1020150040320A 2014-03-27 2015-03-23 The method and apparatus of settling an account KR20150112828A (en)

Applications Claiming Priority (2)

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KR20140036111 2014-03-27
KR1020140036111 2014-03-27

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102406791B1 (en) * 2021-06-07 2022-06-10 (주)트라이큐빅스코리아 Unmanned payment processing system for processing payment using token and transaction approval system including the same

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102406791B1 (en) * 2021-06-07 2022-06-10 (주)트라이큐빅스코리아 Unmanned payment processing system for processing payment using token and transaction approval system including the same
WO2022260387A1 (en) * 2021-06-07 2022-12-15 (주)트라이큐빅스코리아 Unmanned payment processing system for processing payment by using tokens and transaction approval system including same

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