KR20160099514A - Payment ASP System and Methods using a mobile communication terminal - Google Patents

Abstract

The present invention relates to a payment application service provider (ASP) system using a mobile communication terminal and a method thereof. The payment ASP system using a mobile communication terminal includes: a terminal initial setting means; a payment terminal (600) of a seller including a payment request means and a token process checking means; a token issuing unit generating a net key; a token checking unit checking whether or not a token is processed; a member store ASP server (300) including a database; a mobile communication terminal (100) receiving the net key from the payment terminal (600) and transmitting the same to a smart vault server (200); and the smart vault server (200) transmitting a telephone number to the ASP server (300), thereby providing a user with a safe and convenient authentication service, a member registration service, and a payment service.

Description

Technical Field [0001] The present invention relates to a billing ASP system using a mobile communication terminal,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a billing ASP system and a method thereof using a mobile communication terminal, and more particularly, to a billing service system using payment information including personal information of a mobile communication subscriber and card information, (Hereinafter referred to as " application service provider ") system and method for small and midsize businesses who can not operate a payment application (hereinafter referred to as an " app ") and a merchant server of a mobile communication terminal,

It is possible to read a two-dimensional barcode such as a QR code " registered trademark " in a mobile communication terminal by executing an application for scanning a barcode with the spread of a mobile communication terminal with a camera.

In addition, in recent years, it has become possible to transmit and receive data between mobile communication terminals by short-range wireless communication with the spread of mobile communication terminals equipped with BlueTooth " registered trademark " and NFC " registered trademark "

[Patent Document 1], a member registration system and an authentication system using a mobile terminal [Patent Document 2], a prepaid and postpayment system using a portable terminal, a microfiche method, and a point service System, an escrow service system [Patent Document 3], authentication can be performed without inputting an ID or a password through a mobile communication terminal, membership can be registered without inputting personal information, payment can be made without inputting payment information Technology is published.

Applicant No. 10-2010-0137435 (published Feb. 11, 2011 inventor Kim Ju-han) Application No. 10-2011-0000338 (Disclosure Date 2011.01.20 Inventor Kim Ju-han) Application No. 10-2011-0000177 (Disclosure Date 2011.01.20 Inventor Kim Ju-han)

  However, a merchant server system of a mobile communication company is required for authentication and settlement using the techniques of [Patent Document 1], [Patent Document 2] and [Patent Document 3], but it is necessary to construct a merchant server system independently for a small- There are difficulties in reality.

The introduction of payment terminals according to new payment methods is a financial burden for current small business owners.

An object of the present invention is to provide a payment ASP (Application Service Provider) system for a small business owner who is unable to independently build a merchant server system.

It is an object of the present invention to provide a payment terminal which can be used in a mobile store only by installing an application on a smart phone or a tablet PC being used by a small business owner having a financial burden for introducing a new payment terminal and minimizing a settlement distribution route, It provides a payment ASP system that can be applied.

The communication between the seller's payment terminal 600 and the merchant ASP server 300 and the communication between the mobile communication terminal 100 and the smart safe server 200 are performed by a network (900), and the smart safe server (200) and the merchant ASP server (300) are communicable with each other via an Internet network or a VPN (910) A payment terminal initial setting means for using the terminal as a payment terminal; A payment request means for requesting payment; Token processing confirmation means for confirming a processing state of the token corresponding to the terminal initial setting means or the payment request means; A payment terminal 600 of a seller including the payment terminal 600; A token issuing unit for generating a token related to the request upon receipt of a payment terminal initialization or payment request from the payment terminal 600 and generating a net key based on the generated token and the merchant point identifier; A token processing unit for processing the token in cooperation with the smart safe server 200 receiving the net key from the mobile communication terminal 100 that has received the net key; A token checking unit for receiving a confirmation request of the token processing from the payment terminal 600 and confirming whether the token is processed; An affiliate shop ASP server 300 including a database storing at least one of ASP contract information 391, payment terminal information 392, token information 393, and ASP transaction information 394; A mobile communication terminal 100 having an application program (app) of a mobile phone that automatically accesses a specific Internet site, receives the net key from the payment terminal 600 and transmits the net key to the smart safe server 200; And a smart safe server (200) for receiving a net key from the mobile communication terminal (100) and transmitting at least a token and a telephone number for identifying an authenticated subscriber to the merchant ASP server (300). The net key is transmitted from the merchant ASP server 300 to the settlement terminal 600 and converted into a QR code by the settlement terminal 600 and displayed on the display unit 620, The mobile communication terminal 100 scans the QR code displayed on the display unit 620, extracts the net key, and transmits the extracted net key to the smart safe server 200. [

The ASP contract information 391 stores information on sellers who have signed an agreement with an affiliate shop ASP. The identification information includes a unique ASP identification ID, a shop number, a business name, an online authentication and settlement, or an offline An ASP classification for distinguishing payment authorization, a telephone number of a contract representative, and account information of a contractor for settlement of settlement, and may further include URL information of the contractor's website.

When the QR code displayed on the display unit 620 of the settlement terminal 600 is for initializing the settlement terminal, the mobile communication terminal 100 transmits a move request to use the telephone number of the contract representative registered in the ASP contract information 391 And is a mobile communication terminal of a buyer when the QR code is for payment.

The mobile communication terminal 100 is close to the settlement terminal 600 and receives the net key from the settlement terminal 600 in the short distance wireless communication and transmits the received net key to the smart safe server 200. [

In the payment ASP method implemented in the payment ASP system, when the payment application is executed in the payment terminal 600, the initialization state of the payment terminal 600 is obtained (S1), the initialization state is determined (S2) In case of incomplete payment, initialization step (S3) of initializing the payment terminal to set initialization of the payment terminal (600); A payment request step (S5) of inputting at least an amount to be paid (S4) and requesting settlement; A token processing confirmation step (S6) of confirming a processing state of the payment token; (S7). Upon completion of the token processing, a payment result screen is displayed (S8), and a message indicating that the token is not yet processed is displayed (S9).

Performing the payment terminal initialization step (S3); (S201) the payment terminal (600) requests a network key for initializing the payment terminal to the merchant ASP server (300); The merchant ASP server generating a token corresponding to the request; (S202) of generating a net key based on the token and the merchant identifier generated by the merchant ASP server and transmitting the generated net key to the payment terminal; Extracting a token from the net key received by the payment terminal; Generating a QR code image using the net key and displaying it on the display unit 620 (S203); Transmitting the net key to the mobile communication terminal 100 by the payment terminal 600; The mobile communication terminal 100 receiving the net key automatically accesses the smart safe server 200 and transmits the net key; Processing the token for initializing the settlement terminal in cooperation with the smart safekeeping server where the merchant ASP server 300 has received the net key; Step S204 including a series of steps; (S205) the payment terminal (600) requests the merchant ASP server (300) to confirm token processing; Confirming the token processing by the merchant ASP server 300, and responding the token processing result to the payment terminal 600 (S206); Storing the terminal initialization completion state in the storage unit 640 when the token processing result is processed (S207); And a control unit.

The step of requesting the network key for initializing the payment terminal further includes the step of the payment terminal 600 transmitting the payment terminal identification number and the telephone number to the merchant ASP server 300, The step of the ASP server generating the token corresponding to the request includes the steps of the merchant ASP server generating the transaction identification number corresponding to the request and adding the ASP transaction information 394 based on the generated transaction identification number ; The merchant ASP server generates a token corresponding to the request, and adds token information 393 based on the generated token and the transaction identification number; And further comprising:

The step (S205) of requesting confirmation of the token processing further includes the step of the payment terminal (600) transmitting the token, the payment terminal identification number, and the payment terminal phone number to the merchant ASP server (300) The step of confirming the token processing by the merchant ASP server 300 includes the steps of the merchant ASP server receiving at least the token, the payment terminal identification number, and the payment terminal phone number from the payment terminal 600; Inquiring the transaction identification number and the token processing time in the token information (393) using the token as a key value; If the token processing time has a valid value, determining that the token has been processed; retrieving the token processing terminal telephone number from the ASP transaction information (394) using the transaction identification number as a key value; When the token processing time is not a valid value, the telephone number of the settlement terminal is set as a search key value, and the ASP contract information 391 is stored in the ASP key table as the search key value, An ASP identification ID and a shop number matching the telephone number; Registering payment terminal information (392) for registering a mobile communication terminal to be used as the payment terminal (600) when matching information is found; And further comprising:

The settlement terminal information 392 may include at least the ASP identification ID, the payment terminal phone number, and the store number, with the settlement terminal identification number being a key value, .

The payment request step S5 is a step S301 of the payment terminal 600 requesting a network key for payment to the merchant ASP server 300; The merchant ASP server generating a token corresponding to the request; The merchant ASP server generates a net key based on the generated token and the merchant identifier, and transmits the generated net key to the payment terminal (S302); Extracting a token from the net key received by the payment terminal; Generating a QR code image using the net key and displaying it on the display unit 620 (S303); Transmitting the net key to the mobile communication terminal 100 by the payment terminal 600; The mobile communication terminal 100 receiving the net key automatically accesses the smart safe server 200 and transmits the net key; Processing the token for the requested payment by the merchant ASP server (300) in cooperation with the smart safe server receiving the net key; (S304) comprising a series of steps; (S305) (S6) in which the payment terminal (600) transmits at least the token to the merchant ASP server (300) and requests confirmation of token processing; The merchant ASP server 300 confirms token processing, the merchant ASP server 300 responds to the payment terminal 600 with a token processing result S306; Displaying the settlement completion screen (S307) (S8) if the token processing result is processed; And a control unit.

The step of requesting a net key for the payment may further include the step of the payment terminal 600 transmitting at least the settlement terminal identification number, payment amount and installment month to the merchant ASP server 300, The step of the merchant ASP server generating the token corresponding to the request comprises the steps of checking whether the payment terminal is registered by inquiring the settlement terminal information 392 using the settlement terminal identification number as a key value, The merchant ASP server generates a transaction identification number corresponding to the request and adds the ASP transaction information 394 based on the generated transaction identification number; The merchant ASP server generates a token corresponding to the request, and adds token information 393 based on the generated token and the transaction identification number; And further comprising:

The step of transmitting the net key to the mobile communication terminal 100 may include a step of scanning the QR code image displayed on the display unit 620 of the payment terminal by the mobile communication terminal and extracting the net key, And transmitting the net key to the mobile communication terminal through short-range wireless communication.

The step of processing the token includes: receiving at least the token and the telephone number of the mobile communication terminal 100 from the smart safe server 200; Obtaining a transaction identification number that matches the token from the token information (393); Acquiring the transaction classification from the ASP transaction information 394 using the obtained transaction identification number as a key value and updating the token processing terminal telephone number of the ASP transaction information 394 with the telephone number of the received mobile communication terminal 100 ; Updating the token processing time of the token information (393) with the system time; And further comprising:

The step of the merchant ASP server 300 confirming the token processing includes the steps of the merchant ASP server receiving at least a token from the payment terminal 600; Querying the token processing time in the token information (393) using the token as a key value; Determining whether token processing is performed with or without a valid value of the token processing time; And further comprising:

The step of adding the ASP transaction information 394 includes at least the transaction identification number, the settlement terminal identification number, the processing request date, and the processing classification, and if the request is a settlement, .

The step of adding the token information 393 may include at least the token, the transaction identification number, and the token issue time.

A computer-readable recording medium having recorded thereon a program for performing the method according to any one of claims 5 to 15.

In the conventional system, the ID and password, personal information, and billing information were input by the client, resulting in security risks and user uneasiness. A small-scale web site that can not directly contract with a mobile communication company can not be used for a network key and a smart safe service implemented by the techniques of [Patent Document 1], [Patent Document 2], and [Patent Document 3] So that it is possible to provide an authentication service, a member registration service, and a payment service that are safe and convenient for a user without inputting ID, password, personal information, and payment information.

Among the payment methods used by small businesses in the past, a card reader was required for card payment, and there was a risk of duplication of the card and leakage of card information. And the settlement circulation phase of several stages was a factor of increase of payment commission. The seller's payment terminal 600 application and the payment ASP system interact with each other to implement the net key and the smart safe service and use the payment information stored in the smart safe server, ), Payment information such as card information is not needed, and payment can be made easily and safely. In addition, since the route for settlement is simplified, a structurally cheap settlement fee becomes possible, and as a result, it becomes profitable for a small business man.

1 is a diagram illustrating an example of a configuration of a payment ASP system using a mobile communication terminal.
2 is a configuration diagram of a payment terminal according to an embodiment of the present invention.
3 is a functional block diagram of a smart safe server according to an embodiment of the present invention.
4 is a functional block diagram of a merchant ASP server according to an embodiment of the present invention.
FIG. 5 is a flow chart of a payment application executed in a payment terminal of a seller according to an embodiment of the present invention; FIG.
6 is a sequence diagram illustrating an initialization process of the payment terminal according to the embodiment of the present invention.
7 is a sequence diagram illustrating a process of making a payment using a payment terminal according to an embodiment of the present invention.
8 is a diagram illustrating a screen for initializing a payment terminal according to an embodiment of the present invention.
9 is a diagram illustrating a settlement process using a payment terminal according to an embodiment of the present invention.

It is noted that the technical terms used herein are used only to describe specific embodiments and are not intended to limit the invention. It is also to be understood that the technical terms used herein are to be interpreted in a sense generally understood by a person skilled in the art to which the present invention belongs, Should not be construed to mean, or be interpreted in an excessively reduced sense. Further, when a technical term used herein is an erroneous technical term that does not accurately express the spirit of the present invention, it should be understood that technical terms that can be understood by a person skilled in the art are replaced. In addition, the general terms used in the present invention should be interpreted according to a predefined or prior context, and should not be construed as being excessively reduced.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals refer to like or similar elements throughout the several views, and redundant description thereof will be omitted. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. It is to be noted that the accompanying drawings are only for the purpose of facilitating understanding of the present invention, and should not be construed as limiting the scope of the present invention with reference to the accompanying drawings. The spirit of the present invention should be construed as extending to all modifications, equivalents, and alternatives in addition to the appended drawings.

1 is a diagram illustrating an example of a configuration of a payment ASP system using a mobile communication terminal.

The billing ASP (Application Service Provider) system of the present disclosure may include a mobile communication terminal 100, a smart safe server 200, an affiliate ASP server 300, a payment terminal 600 of a seller, and the like. The components can communicate with each other through a network 900 capable of communicating with the mobile communication terminal, a secure communication network 910 between the smart safe server 200 and the merchant ASP server 300, and the like.

The net key includes at least one time token and issuer identification information that has issued the token. The data type of the net key includes a merchant ASP server 300 that has issued the token, and a network key receiving unit that receives a net key from the mobile communication terminal 100 The smart vault server 200 is a mutually promised data format for separating the token and issuer identification information from the net key.

The token is issued by the merchant ASP server 300, and the validity time can be set as a unique identifier in the merchant ASP server 300. The token is configured to be valid when it is retrieved and processed by the merchant ASP server 300 that issued the token within the set validity time.

The smart safe server 200 is a server that stores and manages subscriber's payment information for authentication personal information and payment service for a member registration service and an authentication service, The contracted mobile communication terminal 100 accesses the smart safe server 200 and transmits the promised net key to the smart safe server 200. [ 200 only filters the net key of the promised type and receives it, so that it can not perform any control command from the outside to the smart safe server 200, which is excellent in security.

The terms such as the token, the net key, the smart safe, etc. are defined in consideration of the functions of the present specification, which may vary depending on the intention of the user, the operator, or the custom. Therefore, the definition should be based on the contents throughout this specification.

The mobile communication terminal 100 includes an application (app 1) of a mobile phone that automatically accesses a specific Internet site, and includes a camera capable of scanning a QR code, and a Bluetooth or NFC (Near Field Communication) to receive the net key from the payment terminal 600 and transmit the net key to the smart safe server 200. [

The mobile communication terminal 100 receives the net key from the payment terminal, transmits the net key to the smart money server, and processes the token in cooperation with the merchant ASP server.

The method of receiving the net key by the mobile communication terminal 100 includes scanning the QR code image of the display unit 620 of the payment terminal and extracting the net key, And transmits the net key to the mobile communication terminal.

The mobile communication terminal 100 should be the mobile communication terminal 100 using the telephone number of the contracted contract representative 391 of the ASP contract information 391 if the net key is for initializing the payment terminal 600, If the net key is for payment, it should be the purchaser's mobile communication terminal.

2 is a configuration diagram of the settlement terminal 600 according to the embodiment of the present invention.

2, the merchant payment terminal 600 according to the embodiment of the present invention includes a control unit 610, a display unit 620, a wireless communication unit 630, a storage unit 640, an input unit 650, A communication unit 660, and the like.

The display unit 620 displays information by the control unit 610. The wireless communication unit 630 performs a communication function with the smart safe server 200 and the affiliate shop ASP server 300 via the network 900 and the like.

The storage unit 640 may be a read only memory (ROM), a universal subscriber identity module (USIM), a nonvolatile mobile memory, and the like. The application and the file are read and executed by the control unit 610 as a medium.

The input unit 650 transmits to the control unit 610 a user input as a keypad, a touch device, and an input means such as a voice input using a voice recognition technology.

The local communication unit 660 may transmit the net key to the mobile communication terminal 100. [

The payment terminal 600 includes a payment application and a recording medium on which a payment application is stored. The payment terminal 600 is connected to a payment terminal A payment request means for inputting an amount to be settled by the operation of the input unit 650 and requesting payment, a token processing confirmation means for confirming a processing state of the corresponding token in the terminal initial setting means or the payment request means, . ≪ / RTI >

When the application is started, the initial setting means checks whether the terminal initialization state is stored in the storage unit 640. If the initialization state is not initialized, .

The terminal initialization step includes a net key request step for requesting a network key for terminal initialization to the merchant ASP server 300 based on the terminal identification number and telephone number of the initialization target terminal, A token extracting step of extracting a token from the net key, a QR code image generating step of generating a QR code image with the received net key, and a QR code displaying step of displaying a QR code image on the display unit 620.

The mobile communication terminal 100 using the telephone number of the contract representative of the ASP contract information 391 scans the QR code image of the display unit 620 of the payment terminal 600 and transmits the QR code image Token processing means for receiving the token processing means for processing the token and then performing the token processing checking means and storing the initialization completion state in the storage unit 640 when the token is processed.

The token processing check means of the terminal initialization confirms the token and terminal identification by pressing the terminal initialization confirmation button displayed on the display unit 620 of the payment terminal 600 (refer to FIG. 8B) Number, and telephone number to the merchant ASP server 300. [

The token processing confirmation means of the terminal initialization receives the response of the token processing state in the merchant ASP server 300. If the token processing state has been processed, the terminal initialization completion state is stored in the storage unit 640, To move to the screen.

When the token processing state is in an unprocessed state, a message indicating that the token is not being processed may be displayed on the display unit 620 of the payment terminal 600.

The payment request means can input an amount to be paid into the settlement terminal 600 by inputting an external signal such as BlueTooth or voice input such as voice recognition or an operation of an input unit 650 such as a keypad or a touch pad.

The payment request means requests the merchant ASP server 300 for a net key for payment based on the payment amount input to the payment terminal 600, the installment month, and the terminal identification number, A token extraction step of extracting a token from the net key, a QR code image generation step of generating a QR code image with the received net key, and a QR code display step of displaying a QR code image on the display unit 620 Can be performed.

The payment request means requests the merchant ASP server 300 for a net key for payment based on the payment amount input to the payment terminal 600, the installment month, and the terminal identification number, A token extracting step of extracting a token from the net key when receiving the net key from the net key, and transmitting the received net key through the local communication unit 660.

The token processing confirmation means for payment can be realized by pressing the payment confirmation button displayed on the display unit 620 of the payment terminal 600 (refer to FIG. 9 (b)) by the operation of the input unit 650, To the server (300).

The token processing confirmation means for payment may receive a response of the token processing state from the merchant ASP server 300 and may move to the payment processing result screen (refer to FIG. 9 (d)) when the token is processed .

When the token processing status indicates that the token is not processed, a message informing that the token is not yet processed (refer to FIG. 9 (c)) may be displayed on the display unit 620 of the payment terminal 600.

3 is a functional block diagram of the smart safe server 200 according to the embodiment of the present invention.

3, the smart safe server 200 according to the embodiment of the present invention includes a net key receiving unit 210, an authentication function unit 220, a payment function unit 230, a result transmitting unit 240, And a database 290 for storing / managing payment information 291 and payment information 292.

The smart safe server 200 includes a member registration system and an authentication system using a portable terminal, a prepaid and postpaid system using a mobile terminal, a small amount transfer method, a point service system, and an escrow service system [Patent Document 3] To provide a member registration service and an authentication service, and to provide a payment service.

The smart safe server 200 receives the net key transmitted from the mobile communication terminal 100 in the net key receiving unit 210 and performs authentication by referring to the personal information 291 in the authentication function unit 220 have. When the payment is required, the payment function unit 230 can refer to the payment information 292 and perform payment. The result transmitting unit 240 may transmit at least the telephone number identifying the token and the subscriber to the merchant ASP server 300. [

The phone number may be a subscriber identification number authenticated by the authentication function unit 220 as a phone number of the mobile communication terminal 100 that transmitted the net key.

4 is a functional block diagram of a merchant ASP server 300 according to an embodiment of the present invention.

4, the merchant ASP server 300 according to the embodiment of the present invention includes a token issuing unit 310, a token processing unit 320, a token checking unit 330, ASP contract information 391, Information 392, token information 393, ASP transaction information 394, and the like.

When the token issuing unit 310 receives a net key request from the payment terminal 600, the token issuing unit 310 generates a unique token according to the request, generates a net key based on the generated token and the merchant identifier, have.

The token processing unit 320 may process the token generated in conjunction with the smart safe server 200 that receives the net key from the mobile communication terminal 100. [

The token checking unit 330 may receive the confirmation request of the token from the payment terminal 600 and confirm whether the token is processed or not.

The seller concludes the merchant server use contract with the merchant ASP provider and the contract information of the seller that has been contracted is stored in the ASP contract information 391 of the merchant ASP server 300.

The ASP contract information 391 includes a company ID number or a business number as a key value to identify a business entity. The ASP identification information includes a unique ASP identification ID, an ASP classification for identifying a shop number, a business name, an online or offline settlement, The account information of the contractor for settlement of settlement, the contractor's website URL information, and the like. The website URL information is essential information when the ASP classification is on-line.

The token information 393 may include a token, a transaction identification number, a token issuance time, and a token processing time.

The ASP transaction information 394 may include a transaction identification number, a payment terminal identification number, a processing request date, a process classification, a billing amount, a installment month, a token processing terminal telephone number, a settlement date,

The merchant ASP server 300 receives the payment terminal identification number, generates a unique transaction identification number, and transmits the generated transaction identification number as a key value to the token issuer 310 And the ASP transaction information 394 to add information to the ASP transaction information. In the creation of the ASP transaction information, the transaction identification number, the payment terminal identification number, the processing request date, and the processing classification data can be registered.

The merchant ASP server 300 generates a unique token in the net key requesting step for initializing the terminal, the token issuing unit 310 generates a token information for adding data to the token information 393 using the generated token as a key value, And may register the token, the transaction identification number, and the data of the token issue time in the token information creation process.

The token processing unit 320 for initializing the terminal and the merchant ASP server 300 receive the token and the telephone number from the smart safe server 200 and obtain a transaction ID number matching the token from the token information 393 Acquiring a transaction classification having a transaction identification number identical to the transaction identification number from the ASP transaction information 394 using the obtained transaction identification number as a key value; Updating the item of the telephone number to the received telephone number, and updating the token processing time of the token information 393 with the system time.

The merchant ASP server 300 in the terminal initializing step 330 receives the token, the terminal identification number, and the telephone number from the token checker 330, and receives the token from the token information 393 using the received token as a key value. The token processing time is determined to have been processed when the token processing time has a valid value, and the token processing telephone number is inquired from the ASP transaction information (394) with the transaction identification number as a key value, , Querying the ASP identification information and the shop number from the ASP contract information 391 using the inquired telephone number as a key value and storing the ASP identification ID and the store ID in the payment terminal information 392 with the terminal identification number as the key value A step of registering the shop number, and a step of responding to the payment terminal 600 of the seller to which the token processing of the terminal initialization has been completed.

In the terminal initialization step, the merchant ASP server 300 receives the token, the terminal identification number, and the telephone number, receives the token from the token information 393 using the received token as a key value, The method includes the steps of: inquiring the identification number and the token processing time; if the token processing time does not have a valid value, inquiring the ASP contract information (391) using the received telephone number as a key value, And when the matching information is retrieved, it is recognized that the mobile communication terminal 100 using the contract representative telephone number is used as the payment terminal 600, and the terminal identification number, which is the parameter, is used as the key value A step of registering the ASP identification ID, the telephone number and the shop number in the payment terminal information 392, the step of registering the settlement terminal information 392, You may perform the step of: in response to a group (600).

In the ASP contract information 391 inquiry, if the contract representative telephone number matching the received telephone number is not found, it is determined that the token has not been processed, and a response step of notifying the seller's payment terminal 600 of the unprocessed state is performed Can be performed.

The merchant ASP server 300 receives the settlement terminal identification number, payment amount, installment month, and identifies the seller settlement terminal 600 in the net key request step for settlement, The payment terminal information 392 may be inquired using the number as a key value to confirm whether or not the payment terminal is registered.

The merchant ASP server 300 generates a unique transaction identification number at the net key requesting step of the token issuing unit 310, and transmits the information to the ASP transaction information 394 using the generated transaction identification number as a key value It is possible to perform the process of creating the added ASP transaction information.

In the creation of the ASP transaction information for payment, the transaction identification number, the payment terminal identification number, the processing request date, the processing classification, the charge amount, and the installment month data can be registered.

The merchant ASP server 300 generates a unique token at the network key requesting step of the token issuing unit 310 and generates token information for adding data to the token information 393 with the generated token as a key value And may register the token, the transaction identification number, and the data of the token issue time in the token information creation process.

The token processing unit 320 for payment and the merchant ASP server 300 receive the token and the telephone number from the smart safe server 200 and acquire the transaction identification number corresponding to the token from the token information 393 , Acquiring a transaction classification having a transaction identification number from the ASP transaction information 394 using the acquired transaction identification number as a key value, acquiring the token processing terminal telephone number of the ASP transaction information 394 Updating the token processing time of the token information 393 with the system time, and updating the token processing time of the token information 393 with the system time.

The merchant ASP server 300 receiving the token, inquiring the token processing time in the token information 393 using the received token as a key value, It is determined that the token has been processed and a response step of notifying the seller's payment terminal 600 of the processing state can be performed. If the token processing time does not have a valid value, it is determined that the token has not been processed, and a response step indicating that the to-do-processing terminal 600 is in an unprocessed state can be performed.

5 is a flow chart showing an application executed by the seller's payment terminal 600 according to an embodiment of the present invention.

Referring to FIG. 5, when an application is executed, the payment terminal 600 acquires an initialization state (S1). The initialization state is determined (S2). If the initialization state is not completed, the payment terminal initialization is performed (S3). The payment terminal 600 receives the payment amount (S4) and requests payment (S5). The payment terminal 600 confirms the token processing (S6), determines the processing state (S7), and displays the payment result on the display unit 650 (S8) if the processing state is completed. If the processing state is not completed, a message indicating that the token is not yet processed is displayed on the display unit 650 of the payment terminal 600 (S9)

FIG. 6 is a sequence diagram of the initialization procedure of the settlement terminal 600 in the embodiment of the present invention in the system configuration of FIG.

6, the payment terminal 600 (e.g., a smartphone) checks whether the terminal initialization status information is stored in the storage unit 640 when the payment application is activated, and if the initialization step is not performed The user can request a network key for initializing the terminal to the merchant ASP server 300 (S201). The merchant ASP server 300 receives the payment terminal identification number and telephone number, generates a unique transaction identification number, and adds data to the ASP transaction information 394 using the generated transaction identification number as a key value. Then, a unique token is generated, data is added to the token information 393 using the generated token as a key value, and a net key is generated by combining the generated token and the merchant identification ID. The network key is then returned to the payment terminal 600 (S202). The payment terminal 600 extracts the token from the received net key, generates a QR code image using the net key, and displays the generated QR code image on the display unit 620 (S203). Operates the input unit of the mobile communication terminal 100 (seller's contract representative terminal) to receive the net key from the QR code or receives the net key via the short distance communication and transmits the received net key to the smart safe 200. The smart safe server 200 and the merchant ASP server 300 communicate with each other and process tokens for initializing the settlement terminal 600 in cooperation with each other (S204). The payment terminal 600 requests the merchant ASP server 300 to confirm the token processing based on the token, the telephone number, and the terminal identification number (S205). The merchant ASP server 300 inquires the token information 393 and the ASP contract information 391 with the received token and the telephone number to confirm whether or not to process the token and if the token is not processed, If the token has been processed, the payment terminal 600 is registered with the payment terminal information 392 using the terminal identification number as a key value. Then, the token processing terminal 600 is notified of completion of the token processing (S206). The payment terminal 600 displays a message informing the unprocessed state on the display unit 620 when the received token processing state is not processed. When the token processing is completed, the payment terminal 600 stores the terminal initialization completion state in the storage unit 640, And moves to the next screen (S207).

FIG. 7 is a sequence diagram showing a process of making a payment to the settlement terminal 600 of the embodiment of the present invention in the system configuration of FIG.

Referring to FIG. 7, the payment terminal 600 receives an amount to be paid and transmits a payment amount and payment related information to the merchant ASP server 300 (S301). At this time, the settlement request may be a request for a network for settlement. The merchant ASP server 300 generates a unique transaction identification number after receiving the settlement amount and settlement related information (installment month, payment terminal identification number, etc.), sets the generated transaction identification number as the key value, (394) (creating ASP transaction information). The merchant ASP server 300 generates a unique token, adds data to the token information 393 with the generated token as a key value (creates the token information), creates a net for settlement combining the generated token and the merchant identification ID The merchant ASP server 300 transmits the net key to the payment terminal 600 (S302). The payment terminal 600 transmits the received net key to the mobile communication terminal 100 of the buyer. At this time, the payment terminal 600 may generate a QR code image based on the received net key. The settlement terminal 600 displays the generated QR code image on the display unit 620 (S303). The purchaser's mobile communication terminal 100 reads the QR code and extracts the net key or receives the net key via local communication and transmits the received net key to the smart safe 200. [ The smart safe server 200 and the merchant ASP server 300 communicate with each other and process the requested payment (token for settlement) in cooperation with each other (S304). The payment terminal 600 may request the merchant ASP server 300 to confirm the token processing (S305). The merchant ASP server 300 inquires the token information 393 with the received token to confirm whether the token process is performed. When the token is not processed, the merchant ASP server 300 responds the unprocessed state to the settlement terminal 600, and when the token is processed, the merchant ASP server 300 may reply to the settlement mobile communication terminal 600 that the token processing has been completed (S306) . If the received token processing state is unprocessed, the payment mobile communication terminal 600 displays a message indicating the unprocessed state on the display unit 620, and moves to the payment result screen (processing completion screen) when the token is processed S307).

FIG. 8 is a diagram illustrating a process of initializing the payment terminal 600 by implementing the sequence of FIG.

Referring to FIG. 8, in the case where the payment terminal is not initialized in the process of S201 as in the sequence of FIG. 6, the application screen (a) and the screen (a) of the embodiment of the present invention displayed on the display unit 620 of the payment terminal 600 , The settlement terminal 600 requests a network key from the merchant ASP server 300 and performs S202 at the merchant ASP server 300. When the result of the operation is received from the merchant ASP server 300, (B) of the embodiment of the present invention in which S203, which is a process of generating and displaying a QR code image, is received and the seller receives the net key from the contract representative terminal 100, After processing the token for initializing the payment terminal in step S204 of the sequence, the payment terminal initialization confirmation corresponding to S205 of the sequence of Fig. 6 is selected on the screen (b) , The merchant ASP S206 is performed in the server and the state of the response is initialized, S207 is executed to select the use of the input unit 650 in the screen (c) and the screen (c) in which the application of the embodiment of the present invention is executed (D) in which a screen for inputting a payment amount is displayed.

FIG. 9 is a diagram showing a settlement process using the payment terminal 600 as an implementation of the sequence of FIG.

9, an application screen (a) of the embodiment of the present invention, a payment request is selected by the operation of the input unit 650 on the screen (a), a screen in which a payment amount is input during the process of S301 as shown in the sequence of FIG. , The settlement terminal 600 requests the merchant ASP server 300 for a net key, performs S302 at the merchant ASP server, receives the net key as a result of the operation, generates a QR code image and displays the QR code image at step S303 When the application screen (b) of the embodiment of the present invention that has been executed and the payment confirmation corresponding to step S305 of the sequence of Fig. 7 are selected in a state in which no payment has been processed, the merchant ASP server 300 is requested to confirm payment, A screen (c) in which the ASP server 300 performs S306, receives a settlement unprocessed state in response, displays a message informing the unprocessed state, receives the net key to the purchaser's mobile communication terminal 100, Of the sequence of S After processing the token for payment by the execution of step 304 in FIG. 7, the payment confirmation corresponding to step S305 of the sequence of FIG. 7 is selected in the screen (b) to request payment confirmation to the merchant ASP server 300, S306 " is executed in step S306, and if the status of the response is " Payment completed ", step S307 is performed and the screen (d)

In the above-described embodiment, the configuration shown is merely an example, and the present invention is not limited to the configuration.

The screen displayed on the display unit 620 of the payment terminal 600 of FIGS. 8 and 9 corresponds to the embodiment implemented for explaining the present invention, and the present invention is not limited to this configuration.

In the embodiment of the present invention, the mobile communication terminal 100 and the payment terminal 600 have an operating system as a normal smartphone and a tablet PC, and an application program for processing and steps are stored in a storage unit 640 Stored, and loaded and executed under the control of the control unit 610.

In the embodiment of the present invention, the smart safe 200 and the network ASP server 300 are a typical server system having a server operating system, and an application program for processing and a step is a computer- And loaded and executed under the control of the control unit.

In the embodiment of the present invention, the database 290 of the smart safe 200 and the database 390 of the spyware ASP server 300 are applications that manage the information creation, deletion, and update of various information databases with a normal database server It is implemented by the control of the server's control.

In an embodiment of the present invention, the database 290 of the smart safe 200 may be operated on an independent hardware device.

In an embodiment of the present invention, the database 390 of the virtual ASP server 300 may be operated on an independent hardware device.

The embodiments of the present invention described above are not only implemented by the apparatus and method but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded, The embodiments can be easily implemented by those skilled in the art from the description of the embodiments described above.

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.

The present invention can be applied to a mobile phone, a smart phone, a PHS, a PDA, and a tablet PC.

The present invention can be applied to a payment ASP (Application Service Provider) system for payment using a mobile communication terminal.

100 ASP contract for initializing the purchaser's mobile communication terminal or payment terminal A representative telephone
200 Smart Safe Server
210 Net Key Receiver
220 Authentication Function
230 Payment Function
240 result transmitter
290 Smart Financial Employment Database
291 Personal information
292 Billing Information
300 merchant ASP servers
310 token issuing department
320 token processing unit
330 token verification unit
390 Database for merchant ASP
391 ASP contract information
392 Payment terminal information
393 About tokens
394 ASP Transaction Information
600 seller's payment terminal
610 Control unit
620 display unit
630 wireless communication section
640 storage unit
650 input unit
900 Wi-Fi network 3G or 4G other mobile communication terminal
910 Secure network between smart vault server and merchant ASP server with internet, leased line or VPN (Virtual Private Network)

Claims (16)

The communication between the seller's payment terminal 600 and the merchant ASP server 300 and the communication between the mobile communication terminal 100 and the smart safe server 200 are mutually possible in the network 900, In the billing ASP system configured to be able to communicate with the smart safe server 200 and the merchant ASP server 300 via the Internet network or the VPN 910,
A payment terminal initial setting means for providing a payment application and using the mobile communication terminal as a payment terminal;
A payment request means for requesting payment;
Token processing confirmation means for confirming a processing state of the token corresponding to the terminal initial setting means or the payment request means; A payment terminal 600 of a seller including the payment terminal 600;
A token issuing unit for generating a token related to the request upon receipt of a payment terminal initialization or payment request from the payment terminal 600 and generating a net key based on the generated token and the merchant point identifier;
A token processing unit for processing the token in cooperation with the smart safe server 200 receiving the net key from the mobile communication terminal 100 that has received the net key;
A token checking unit for receiving a confirmation request of the token from the payment terminal 600 and confirming whether to process the token;
An affiliate shop ASP server 300 including a database storing at least one of ASP contract information 391, payment terminal information 392, token information 393, and ASP transaction information 394;
A mobile communication terminal 100 having an application program (app) of a mobile phone that automatically accesses a specific Internet site, receives the net key from the payment terminal 600 and transmits the net key to the smart safe server 200;
And a smart safe server (200) for receiving a net key from the mobile communication terminal (100) and transmitting at least a token and a telephone number for identifying an authenticated subscriber to the merchant ASP server (300).
The net key is transmitted from the merchant ASP server 300 to the settlement terminal 600 and converted into a QR code by the settlement terminal 600 and displayed on the display unit 620, The mobile communication terminal 100 scans the QR code displayed on the display unit 620, extracts the net key, and transmits the extracted net key to the smart safe server 200. The method according to claim 1,
The ASP contract information 391 stores contract information for sellers who have signed an agreement with an affiliate shop ASP. The storage contents include an ASP identification ID, a store number, a business name, An account number of a contract representative, account information of a contractor for settlement of settlement, and may further include a contractor's website URL information. system. The method according to claim 1,
When the QR code displayed on the display unit 620 of the settlement terminal 600 is for initializing the settlement terminal, the mobile communication terminal 100 transmits a move request to use the telephone number of the contract representative registered in the ASP contract information 391 Wherein the mobile communication terminal is a communication terminal, and when the QR code is for payment, it is a purchaser's mobile communication terminal. The method according to claim 1,
The mobile communication terminal 100 is close to the payment terminal 600 and receives the net key from the payment terminal 600 through the short distance wireless communication and transmits the net key to the smart money server 200. [ ASP system. The payment ASP method according to any one of claims 1 to 4, wherein when the payment application is executed in the payment terminal (600)
The initialization state of the payment terminal 600 is obtained (S1)
(S2); a payment terminal initialization step (S3) for setting the initialization of the payment terminal (600) in case of incomplete initialization;
A payment request step (S5) of inputting at least an amount to be paid (S4) and requesting settlement;
A token processing confirmation step (S6) of confirming a processing state of the payment token;
(S7). When the token process is completed, the settlement result is displayed on the screen (S8), and a message indicating that the token is not yet processed is displayed (S9). 6. The method of claim 5,
Performing the payment terminal initialization step (S3); The
(S201) the payment terminal (600) requests a network key for initializing the payment terminal to the merchant ASP server (300);
The merchant ASP server generating a token corresponding to the request;
Generating a net key based on the token and the merchant point identifier generated by the merchant ASP server (S202), and transmitting the generated net key to the payment terminal;
Extracting a token from the net key received by the payment terminal;
Generating a QR code image using the net key and displaying it on the display unit 620 (S203);
Transmitting the net key to the mobile communication terminal 100 by the payment terminal 600;
The mobile communication terminal 100 receiving the net key automatically accesses the smart safe server 200 and transmits the net key;
(S204) including a series of steps of processing the token for the initialization of the payment terminal in cooperation with the smart safe server receiving the net key from the merchant ASP server (300);
(S205) the payment terminal (600) requests the merchant ASP server (300) to confirm token processing;
Confirming the token processing by the merchant ASP server 300,
Responding the token processing result to the payment terminal 600 (S206);
Storing the terminal initialization completion state in the storage unit 640 when the token processing result is processed (S207); The method comprising the steps of: The method according to claim 6,
The step of requesting the network key for initializing the payment terminal
Further comprising the step of the payment terminal (600) transmitting the payment terminal identification number and the telephone number to the merchant ASP server (300)
The step of the merchant ASP server generating the token corresponding to the request
The merchant ASP server generates a transaction identification number corresponding to the request and adds the ASP transaction information 394 based on the generated transaction identification number;
The merchant ASP server generates a token corresponding to the request, and adds token information 393 based on the generated token and the transaction identification number;
Further comprising the steps of: The method according to claim 6,
The step (S205) of requesting confirmation of the token processing
The payment terminal 600 further comprises transmitting the token, the payment terminal identification number, and the payment terminal phone number to the merchant ASP server 300,
The step of the merchant ASP server 300 confirming the token processing
The merchant ASP server receiving at least the token, the payment terminal identification number, and the payment terminal phone number from the payment terminal 600;
Inquiring the transaction identification number and the token processing time in the token information (393) using the token as a key value;
If the token processing time has a valid value, determining that the token has been processed; querying the token processing terminal telephone number from the ASP transaction information (394) using the transaction identification number as a key value;
The telephone number of the token processing terminal is set as a search key value,
If the token processing time does not have a valid value, the payment terminal telephone number is set as a search key value,
Querying ASP contract information 391 for an ASP identification ID and a shop number for which the retrieval key value matches the telephone number of the contract representative;
Registering payment terminal information (392) for registering a mobile communication terminal to be used as the payment terminal (600) when matching information is found; To
The method further comprising: 9. The method of claim 8,
The payment terminal information 392 registration step
Wherein the contents to be registered in the settlement terminal information (392) include at least the ASP identification ID, the payment terminal phone number, and the store number with the settlement terminal identification number as a key value. 6. The method of claim 5,
The payment request step (S5); The
(S301) the payment terminal 600 requests a network key for payment to the merchant ASP server 300;
The merchant ASP server generating a token corresponding to the request;
Generating a net key based on the token and the merchant point identifier generated by the merchant ASP server, and transmitting the net key generated by the payment terminal (S302);
Extracting a token from the net key received by the payment terminal;
Generating a QR code image using the net key and displaying it on the display unit 620 (S303);
Transmitting the net key to the mobile communication terminal 100 by the payment terminal 600;
The mobile communication terminal 100 receiving the net key automatically accesses the smart safe server 200 and transmits the net key;
(S304) including a series of processes of processing the token for the requested payment in cooperation with the smart safe server receiving the net key from the merchant ASP server (300);
(S305) (S6) in which the payment terminal (600) transmits at least the token to the merchant ASP server (300) and requests confirmation of token processing;
Confirming the token processing by the merchant ASP server 300,
The merchant ASP server 300 responds the token processing result to the settlement terminal 600 (S306);
Displaying the settlement completion screen (S307) (S8) if the token processing result is processed; The method comprising the steps of: 11. The method of claim 10,
The step of requesting the net key for the payment
Further comprising the step of the settlement terminal (600) transmitting at least the settlement terminal identification number, settlement amount and installment month to the merchant ASP server (300)
The step of the merchant ASP server generating the token corresponding to the request
Checking payment terminal information (392) using the payment terminal identification number as a key value to confirm whether or not the payment terminal is registered;
The merchant ASP server generates a transaction identification number corresponding to the request and adds the ASP transaction information 394 based on the generated transaction identification number;
The merchant ASP server generates a token corresponding to the request, and adds token information 393 based on the generated token and the transaction identification number;
Further comprising the steps of: 11. The method according to any one of claims 6 to 10,
The step of transmitting the net key to the mobile communication terminal 100
The QR code image displayed on the display unit 620 of the payment terminal is scanned by the mobile communication terminal and the net key is extracted or the payment terminal transmits the net key to the mobile communication terminal through the short- The method comprising the steps of: 11. The method according to any one of claims 6 to 10,
The step of processing the token
The merchant ASP server 300
Receiving at least a token and a telephone number of the mobile communication terminal 100 from the smart safe server 200;
Obtaining a transaction identification number that matches the token from the token information (393);
Acquiring the transaction classification from the ASP transaction information 394 using the obtained transaction identification number as a key value and updating the token processing terminal telephone number of the ASP transaction information 394 with the telephone number of the received mobile communication terminal 100 ;
Updating the token processing time of the token information (393) with the system time; Further comprising the steps of: 11. The method of claim 10,
The step of the merchant ASP server 300 confirming the token processing
The merchant ASP server receiving at least a token from the payment terminal 600;
Querying the token processing time in the token information (393) using the token as a key value;
Determining whether token processing is performed with or without a valid value of the token processing time; Further comprising the steps of: 12. The method according to any one of claims 7 to 11,
The step of adding the ASP transaction information (394)
The transaction identification number, the settlement terminal identification number, the processing request date, and the processing classification, and if the request is a settlement, the settlement amount and the installment month.
The step of adding the token information (393)
At least the token, the transaction identification number, and the token issue time. A computer-readable recording medium having recorded thereon a program for performing the method according to any one of claims 5 to 15.

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