KR20160021175A - Secured payment system in integration of online and offline - Google Patents

Abstract

The present invention relates to an online and offline integrated secure payment system, which receives input of payment information through an application installed in a mobile terminal of a seller or a consumer without a portable card terminal, and applies a mortgage rate to a payment amount settled according to the payment information to calculate a mortgage amount, thereby allowing a refund to be processed from the mortgage amount.

Description

[0001] SECURED PAYMENT SYSTEM IN INTEGRATION OF ONLINE AND OFFLINE [0002]

One embodiment of the present invention relates to a system capable of freely and integrally paying on-line or off-line using a smartphone.

With the popularization of computers and popularization of the Internet, the service industry using the Internet is rapidly developing. For example, a user can visit the financial institution through the Internet without having to visit the financial institution directly, or access the Internet through the Internet without having to look directly at the mart. In other words, the Internet payment is steadily developing due to the advantage that it can be easily performed at home or at work, without visiting the user in order to process the desired work.

On the other hand, a seller who provides services such as pizza and chicken delivery can perform settlement while carrying a portable card terminal. That is, if the user desires to pay by credit card or check card rather than cash, the seller scrapes the card to the portable card terminal and transmits the payment information (card number, expiration date, CVC number, etc.) You have to transfer, but you can complete the payment.

Therefore, the seller has to inconveniently purchase the portable card terminal separately for the card settlement and always carry it. In addition, since the portable card terminal can be used only offline, there is an inconvenience that a separate processor for internet settlement is required when the seller extends the service to the Internet.

An embodiment of the present invention is a portable terminal that receives information for payment through an application installed in a portable terminal and performs settlement using the received information, thereby providing a convenient on-line and off- Provide a payment system.

According to an embodiment of the present invention, a security amount is calculated by applying a security ratio to the settlement amount, and only the settlement amount obtained by subtracting the calculated security amount from the settlement amount is deposited to the seller, Off-line integrated secure payment system that can be used for cancellation of payment that occurs afterwards.

According to an embodiment of the present invention, when a settlement is canceled, a refund amount is subtracted from a collateral amount accumulated in advance as a collateral ratio from the settlement amount, and the refund is processed to the consumer. Thus, Off-line integrated secure settlement system that can minimize the damage of the system.

The integrated on-line and off-line payment system according to an embodiment of the present invention includes an information receiver for receiving seller information, payment amount and payment information by an application installed in the portable terminal, A result receiving unit for receiving a settlement result of settlement of the settlement amount using the transmitted settlement information from the settlement server; a settlement unit for, when the settlement result is successful, A deposit amount calculation unit for calculating a deposit amount by applying a security ratio to the settlement amount, and a deposit processing unit for depositing a settlement amount obtained by subtracting the secured amount from the settlement amount to a settlement deposit account associated with the seller information do.

According to an embodiment of the present invention, payment for payment is performed through an application installed in the portable terminal, and settlement is performed using the received information, so that settlement can be conveniently performed on-line or off-line.

According to an embodiment of the present invention, a security amount is calculated by applying a security ratio to the settlement amount paid, and only the settlement amount obtained by subtracting the calculated security amount from the settlement amount is deposited to the seller, And can be used for cancellation of payment that occurs later.

According to an embodiment of the present invention, when a settlement is canceled, a refund amount is subtracted from a collateral amount accumulated in advance as a collateral ratio from a settlement amount, and the refund is processed to the consumer, whereby the seller can not refund the money The damage to the consumer can be minimized.

FIG. 1 is a diagram illustrating a network connection relationship of an on-off-line integrated secure payment system according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating a configuration of an on-off-line integrated safe payment system according to an embodiment of the present invention.
3 is a view showing an example of receiving seller information, payment amount, and payment information.
4 is a diagram showing the structure of a database.
5 is a flowchart illustrating a procedure of an on-off-line integrated secure payment method according to an embodiment of the present invention.

Hereinafter, various embodiments of the present invention will be described in detail with reference to the accompanying drawings and accompanying drawings, but the present invention is not limited to or limited by the embodiments.

FIG. 1 is a diagram illustrating a network connection relationship of an on-off-line integrated secure payment system according to an embodiment of the present invention.

1, the seller accesses the on-off-line open marketplace system 140 through the portable terminal 110, agrees to the contract provided by the on-off-line open marketplace system 140, . The portable terminal 110 may be a terminal capable of using the Internet, such as a mobile phone or a smartphone computer.

For example, the credit rating agency checks the real name of the seller using the name of the seller (retailer), the resident registration number, or the business number. Also, the financial institution can perform the seller authentication by registering the account settlement account in the on-off line integrated trust payment system 150 through the account name inquiry of the seller. Also, the authorized certification authority can receive the digital signature and the authentication password using the authorized certificate of the seller, and can authenticate the seller. The mobile communication company server 160 receives the telephone number (or the unique number of the portable terminal 110), the name, the resident registration number, or the business number of the portable terminal 110 from the seller, Can be authenticated.

Accordingly, the on-line integrated secure payment system 150 can allow the on-line payment service to be used only for the portable terminal 110 authenticated by the mobile communication company server 160.

In addition, the on-line and off-line integrated secure payment system 150 can permit the consumer to use the 'on-offline payment service' after performing the consumer authentication like the above-mentioned seller. That is, the authorized certification authority can receive the digital signature and the authentication password using the authorized certificate of the consumer, and can authenticate the consumer. The mobile communication company server 160 receives the telephone number of the portable terminal 120 (or the unique number of the portable terminal 120), the name and the resident registration number from the consumer and authenticates the consumer of the portable terminal 120 .

The on-off line integrated payment system 150 can provide the application to the portable terminal 110 of the seller or the portable terminal 120 of the consumer authenticated by the mobile communication company server 160 as described above. The application may be a program for providing an on-line payment service. At this time, the on-line integrated safe payment system 150 can register the seller information in the application installed in the seller's portable terminal 110 in advance through authentication of the seller.

The seller's portable terminal 110 or the portable terminal 120 of the consumer receives the seller information, payment amount, and payment information from the seller or the consumer by the application and transmits the information to the on-line integrated safe payment system 150 . The seller information may include a seller identifier for identifying the seller, or an industry identifier classified as a product sold by the seller or a service provided by the seller. The payment amount is the amount that the consumer must pay after receiving the service from the seller or purchasing the product. The payment information includes information on the payment means the consumer intends to settle, such as bank information (bank account number, account holder), card information (card number, expiration date, CVC number), mobile phone information (telephone number Name).

For example, in the case where the payment means is a bank or a mobile phone, it is not necessary to attach a card reader to a seller's portable terminal 110 or a consumer's portable terminal 120, (120) can receive payment information from the seller or the consumer. However, when the payment means is a card medium, a card reader 110a or 120a for reading card information from the card medium may be attached to the portable terminal 110 of the seller or the portable terminal 120 of the consumer. The card readers 110a and 120a are provided in the on-line and off-line integrated safe payment system 150 and can operate in conjunction with the application.

In the embodiment, when the payment amount and the payment information are inputted, the seller's portable terminal 110 can automatically transmit the seller information registered in advance by the application to the on-line and off-line integrated safe payment system 150 . Alternatively, the portable terminal 120 of the consumer may receive the payment amount, the payment information, and the seller information by the application, and may transmit the input information to the on-line and off-line integrated payment system 150.

That is, regardless of whether the seller's portable terminal 110 or the consumer's portable terminal 120, the payment amount, the payment information, and the seller information are transmitted to the on-off line integrated secure payment system 150 by the application .

In an embodiment, when the consumer makes a purchase request, the seller's portable terminal 110 transmits a payment request message to the portable terminal 120 of the consumer by the application, or transmits the payment request message to the portable terminal 120 or the consumer's computer 130 and the Internet payment page provided by the on-line and off-line integrated secure payment system 150.

First, when the portable terminal 120 receives the payment request message, the consumer terminal 120 may transmit the payment amount, the payment information, and the seller information to the on-line and off-line integrated safe payment system 150 through the application. The payment request message may include payment amount and seller information. In this case, the application may receive only payment information from the consumer, and may transmit the payment amount and the seller information included in the payment request message together to the on-line and off-line integrated payment system 150.

Alternatively, the consumer's portable terminal 120 or the consumer's computer 130 may transmit the seller information, the payment amount, and the payment information to the on-line integrated payment system 150 through the Internet payment page . The Internet payment page may include a callback URL for a web page from which the consumer can enter payment information, the payment amount, and the seller information. In this case, the portable terminal 120 or the consumer computer 130 of the consumer receives only the payment information from the consumer in the web page associated with the callback URL, and receives the payment amount and the seller information Can be transmitted to the on-off line integrated secure payment system 150 together.

The integrated on-off-line payment system 150 transmits the seller information, the settlement amount, and the payment amount to the payment server (the card company server 170, the bank company server 180, or the mobile communication company server 160) And transmits the payment information.

If the payment information is correct, the payment server transmits the payment result (success or failure) to the on-line and off-line integrated safe payment system 150 by paying the payment amount as the payment information.

The on-off line integrated secure payment system 150 receives the settlement result from the settlement server and calculates a security amount by applying a security ratio to the settlement amount when the received settlement result is successful. The collateral ratio can be set differently according to the seller information (the seller identifier or the business type identifier). The set coverage rate can be recorded in the database along with the seller information. The on-off line integrated secure payment system 150 can identify the security ratio associated with the seller information from the database and calculate the security amount by applying the identified security ratio to the settlement amount. The on-off line integrated secure payment system 150 sequentially accumulates the security amount corresponding to the seller information.

The on-off line integrated secure payment system 150 deposits the settlement amount obtained by subtracting the secured amount from the settlement amount to the settlement deposit account associated with the seller information. Also, the on-off-line integrated secure payment system 150 can transmit the settlement result message including the settlement result to the portable terminal 110 of the seller and the portable terminal 120 of the consumer.

If payment cancellation is requested from the consumer within the refund processing time condition, the on-line integrated trust payment system 150 can process the refund amount from the settled amount. For example, the refund processing time condition may be within 24 hours from the time of payment. However, if settlement cancellation is requested after the refund processing time condition, the on-line integrated trust payment system 150 can process the refund amount from the accumulated secured amount. In this case, if the refund amount exceeds the secured amount, the on-line integrated safe payment system 150 blocks the payment cancellation and transmits the payment to the portable terminal 110 of the seller or the portable terminal 120 of the consumer Cancelable message can be transmitted.

FIG. 2 is a block diagram illustrating a configuration of an on-off-line integrated safe payment system according to an embodiment of the present invention.

2, the on-line and off-line integrated payment system 200 includes an information receiving unit 210, an information transmitting unit 220, a result receiving unit 230, an application control unit 240, a security ratio management unit 250, A money amount calculating unit 260, a secured amount accumulating unit 270, a database 251, a deposit processing unit 280, and a refund processing unit 290.

The application control unit 240 can use the application providing the 'on-offline payment service' when the authentication of the seller's portable terminal 110 or the consumer's portable terminal 120 is successful through the mobile communication company server 160 Allow. The seller's portable terminal 110 or the portable terminal 120 of the consumer can use the name (seller or consumer), the telephone number of the portable terminals 110 and 120, the resident registration number or the carrier The number can be transferred. The mobile communication company server 160 authenticates the owner of the mobile terminal 110 or 120 using the name, the telephone number, the resident registration number or the business number, and transmits the authentication result to the on- Or transmit it to the portable terminals 110 and 120. [

If the portable terminal 110 is owned by the seller, the application control unit 240 registers the seller information with the application in advance through authentication of the seller. The seller information may include a " seller identifier " that can identify the seller or an " industry type identifier " classified into a product sold by the seller or a service provided by the seller.

The information receiving unit 210 receives the seller information, the payment amount, and the payment information by the application installed in the seller's portable terminal 110 or the portable terminal 120 of the consumer. The payment amount is the amount that the consumer must pay after receiving the service from the seller or purchasing the product. The billing information includes information on a payment method the consumer wants to pay, such as bank information (bank account number, account holder), card information (card number, expiration date, CVC number), mobile phone information (telephone number, owner's name) can do.

As an embodiment, an example in which the information receiving unit 210 receives the seller information, the payment amount, and the payment information from the seller's portable terminal 110 will be described. The seller's portable terminal 110 can request payment information input when the payment amount is input by the seller. If the seller wants to input the bank information or the mobile phone information as the payment information, the mobile terminal 110 of the seller can receive the bank information and the mobile phone information as the payment information without attaching a separate device . However, if the seller wants to input card information as payment information, the seller can attach the card reader 110a to the portable terminal 110 of his / her own. The card reader 110a can read the card information from the card medium when the card medium is scratched in conjunction with the application. In this way, the seller's portable terminal 110 can transmit the entered payment amount and payment information together with the registered seller information to the on-line and off-line integrated safe payment system 200.

In another embodiment, an example in which the information receiving unit 210 receives the seller information, the payment amount, and the payment information from the portable terminal 120 of the consumer will be described. When the consumer makes a purchase request, the seller's portable terminal 110 transmits a settlement request message to the portable terminal 120 of the consumer or transmits an Internet payment page to the consumer's portable terminal 120 or the consumer's computer 130 .

First, when the portable terminal 120 receives the payment request message, the portable terminal 120 may request the consumer to input payment information by the application. If the customer wishes to input bank information or cell phone information as the payment information, the mobile terminal 120 of the consumer can receive the bank information and the mobile phone information as the payment information without attaching a separate device . However, if the consumer wishes to input card information as payment information, the customer can attach the card reader 120a to his / her portable terminal 120. [ The card reader 120a can read the card information from the card medium when the card medium is scratched in conjunction with the application. In this way, the portable terminal 120 of the consumer can transmit the payment information and the seller information included in the payment request message together with the inputted payment information to the on-line and off-line integrated safe payment system 200.

Alternatively, when the portable terminal 120 or the consumer computer 130 of the consumer receives the internet payment page, the portable terminal 120 or the consumer computer 130 may request the consumer to input payment information. At this time, the Internet payment page may include a callback URL for a web page from which the consumer can input payment information, the payment amount, and the seller information. In this case, the portable terminal 120 or the consumer computer 130 of the consumer receives only the payment information from the consumer in the web page associated with the callback URL, and receives the payment amount and the seller information Can be transmitted to the on-line integrated safe payment system (200). Accordingly, the information receiving unit 210 can receive the seller information, the payment amount, and the payment information through the Internet payment page.

3 is a view showing an example of receiving seller information, payment amount, and payment information.

As shown in FIG. 3, the portable terminal 300 can read card information from the card medium 320 through the attached card reader 310. Here, the portable terminal 300 refers to a portable terminal of a seller or a consumer. The card reader 310 is provided in the on-line and off-line integrated safe payment system 200, and can operate in conjunction with the application.

Therefore, the portable terminal 300 transmits the seller information (ADC 1258), the payment amount (49,000), and payment information (card number 123-456-789-011, validity period 201103, CVC code number 315) To the on-line and off-line integrated safe payment system 200 (330).

The information transmitting unit 220 transmits the seller information, the payment amount, and the payment information to the payment server associated with the received payment information. The payment server may include a credit card company server 170, a bank company server 180, or a mobile communication company server 160. For example, when the payment information is card information, the information transmission unit 220 may transmit the seller information, the payment amount, and the payment information to the card issuer server 170. Alternatively, if the payment information is bank information, the information transmission unit 220 may transmit the seller information, the payment amount, and the payment information to the bank company server 180. Alternatively, when the payment information is mobile phone information, the information transmission unit 220 may transmit the seller information, the payment amount, and the payment information to the mobile communication company server 160. [

If the transmitted payment information is correct, the payment server transmits the payment result (success or failure) to the on-off line integrated safe payment system 200 by paying the payment amount as the payment information. For example, if the card number, the valid period, and the CVC code number are correct, the card company server 170 may settle the settlement amount using the card information, and transmit the settlement result to the on-line integrated trust payment system 200 have. Alternatively, if the bank account number and the account holder are correct, the bank company server 180 may settle the payment amount using the bank information, and may transmit the payment result to the on-line and off-line integrated safe payment system 200. The mobile communication company server 160 may settle the payment amount using the mobile phone information and transmit the payment result to the on-line and off-line integrated safe payment system 200 when the identification number and owner's name of the portable terminal are correct .

The result receiving unit 230 receives the settlement result of settlement of the settlement amount using the transmitted settlement information from the settlement server.

If the received settlement result is successful, the collateral value calculation unit 260 calculates the collateral value by applying the collateral ratio to the settlement amount. That is, the collateral value calculation unit 260 can identify the collateral ratio associated with the seller information from the database 251, and calculate the collateral value by applying the identified collateral ratio to the settlement amount.

The guarantee rate management unit 250 sets the guarantee rate differently according to the seller identifier or the business type identifier and records the secured rate in the database 251 in correspondence with the seller information.

4 is a diagram showing the structure of a database.

Referring to FIG. 4, the database 251 stores a collateral ratio and a collateral amount corresponding to a seller identifier or an industry type identifier. For example, the assurance ratio management unit 250 may set 0.05% as the assurance ratio for the industry identifier 'A01' irrespective of the seller identifiers (ADC 1258 and AER 3516). Alternatively, the guarantee rate management unit 250 may set the guarantee rate according to the seller identifier for the industry identifier 'B03'. For example, the margin rate management unit 250 may set 0.03% as the collateral ratio for the seller identifier (BCE7890) and 0.025% as the collateral ratio for the seller identifier (BDC0130). In an embodiment, the coverage ratio management unit 250 may set the coverage ratio differently according to the seller's sales performance or credit rating.

The secured amount accumulating unit 270 sequentially accumulates the security amount corresponding to the seller information in the database 251. That is, the collateral amount accumulating unit 270 can automatically accumulate and increase the collateral amount from the settlement amount, in order to automatically manage the risk of the transaction in accordance with the fluctuation range and trend of the amount due to the settlement / cancellation of the customer. Therefore, the database 251 can record the coverage ratio corresponding to the seller information and the total amount of the deposited security amount.

The deposit processing unit 280 deposits the settlement amount obtained by subtracting the secured amount from the settlement amount to the settlement deposit account associated with the seller information. For example, when the settlement amount is 100,000 won and the secured amount is 5,000 won (the guarantee rate is 0.05%), the deposit processing unit 280 can deposit 95,000 won into the settlement deposit account as the settlement amount. Also, the deposit processing unit 280 may transmit the settlement result message including the settlement result to the portable terminal 110 of the seller and the portable terminal 120 of the consumer.

If the payment cancellation request is made within the refund processing time condition, the refund processing unit 290 processes the refund amount from the settled amount. The refund processing time condition can be set within 24 hours, 3 days from the settlement time, and can be set and changed by the administrator of the on-line and off-line integrated safe payment system 200. Accordingly, the refund processing unit 290 can deduct the refund amount due to the requested payment cancellation from the settled amount and return the refund amount to the consumer when the point of payment is within the refund processing time condition.

However, if settlement cancellation is requested after the refund processing time condition, the refund processing unit 290 processes the refund amount from the accumulated secured amount. The amount of the collateral is the amount that the seller has accumulated a portion of the settlement amount in order to minimize the damage to the customer in the situation where the customer can not process the refund due to closure or bankruptcy. Therefore, the refund processing unit 290 can process the refund amount from the accumulated secured amount. However, if the refund amount exceeds the secured amount, the refund processing unit 290 cancels the payment cancellation and transmits a cancellation message to the portable terminal 110 of the seller and the portable terminal 120 of the consumer do. The cancellation message may include payment time, seller information, payment amount, and payment information. The refund processing unit 290 may notify the seller and the consumer that the payment amount is not canceled through the cancellation message.

5 is a flowchart illustrating a procedure of an on-off-line integrated secure payment method according to an embodiment of the present invention.

Referring to FIG. 5, in step 510, the portable terminal inputs seller information, payment amount, and payment information, and transmits the information to the on-line and off-line integrated safe payment system 200. If the portable terminal is owned by the seller and the payment amount and the payment information are input by an application permitted to use according to the approval of the mobile communication company server 160, And transmits the payment information to the on-line and off-line integrated safe payment system 200. In addition, when the portable terminal is owned by the consumer, the payment information and the seller information are input by an application permitted to use according to the approval of the mobile communication company server 160, and the on- 200).

In step 520, the on-line integrated trust payment system 200 transmits the transmitted seller information, the payment amount, and the payment information to the payment server. The payment server may include a credit card company server 170, a bank company server 180, or a mobile communication company server 160.

In step 530, the payment server executes a payment processor to pay the payment amount as the payment information if the payment information is correct, and transmits the payment result (success or failure) to the on- 200).

In step 540, the on-line integrated trust payment system 200 receives the settlement result.

In step 550, the on-line integrated trust payment system 200 calculates a security amount by applying a security ratio to the settlement amount, when the received settlement result is successful. The integrated on-off-line payment system 200 identifies the collateral ratio set differently according to the seller information from the database, and applies the identified collateral ratio to the settlement amount to calculate the collateral amount.

In step 560, the on-line integrated trust payment system 200 deposits the settlement amount obtained by subtracting the secured amount from the settlement amount to the settlement deposit account associated with the seller information. Also, the on-line and off-line integrated payment system 200 can transmit the settlement result message including the settlement result to the portable terminal 110 of the seller and the portable terminal 120 of the consumer.

Thereafter, if payment cancellation is requested from the consumer within the refund processing time condition, the on-line integrated trust payment system 200 can process the refund amount from the settled amount. For example, the refund processing time condition may be within 24 hours from the time of payment. However, if settlement cancellation is requested after the refund processing time condition, the on-line integrated trust payment system 200 can process the refund amount from the accumulated secured amount. In this case, if the refund amount exceeds the secured amount, the on-line integrated safe payment system 200 blocks the payment cancellation and transmits the payment to the portable terminal 110 of the seller or the portable terminal 120 of the consumer Cancelable message can be transmitted.

The methods according to embodiments of the present invention may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions recorded on the medium may be those specially designed and configured for the present invention or may be available to those skilled in the art of computer software.

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the equivalents of the claims, as well as the claims.

110: Seller's handheld terminal
120: Portable terminal of a consumer
130: Consumer's computer
140: On-Offline Open Marketplace System
150: On-off-line integrated secure payment system
160: Carrier server
170: Card issuer server
180: Bank server server

Claims (1)

An information receiving unit for receiving the seller information, the payment amount, and the payment information by an application installed in the portable terminal;
An information transmission unit transmitting the seller information, the payment amount, and the payment information to a payment server associated with the payment information;
A result receiving unit for receiving a settlement result of settlement of the settlement amount using the transmitted settlement information from the settlement server;
A collateral value calculation unit for calculating a collateral value by applying a collateral ratio to the settlement amount when the received settlement result is successful; And
A deposit processing unit for depositing a settlement amount obtained by subtracting the secured amount from the settlement amount to a settlement deposit account associated with the seller information,
Off-line integrated secure payment system.

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