KR20160110705A - Using method for mobile payment and payment service system thereof - Google Patents

Abstract

Disclosed are a method for using a mobile payment means and a payment service system for the method. The method for using a mobile payment means comprises the steps of: receiving, by a payment service system, a request for registration of a second mobile payment means, corresponding to a payment means, in another terminal from a holder terminal of a right holder or the other terminal; controlling, by the payment service system, the holder terminal and the other terminal to individually perform first user authentication and second user authentication; and allowing the second mobile payment means to be registered in the other terminal when all the first user authentication and the second user authentication are successful. In this case, the payment service system allows the payment means to make payment when the payment is requested by the second mobile payment means of the other terminal.

Description

[0001] The present invention relates to a method for using a mobile payment method for a third party payment and a payment service system for the same,

The present invention relates to a mobile payment method using method and a payment service system for the mobile payment method. More particularly, the present invention relates to a mobile payment method using a mobile payment method, The mobile payment system is able to request a settlement by issuing a corresponding mobile payment means, thereby allowing a right holder to perform settlement using a payment means having a separate owner.

Due to its nature, payment is easily exploited if payment information (e.g., card number, card password, billing account number, password, etc.) corresponding to the payment means is known to others. Therefore, the right holder of the payment means (for example, a card name, a corporation card holder, a payment account (real or virtual) name, etc.) should make a special effort to prevent payment information from being leaked.

However, there is also a need for the right holder of the payment means to allow another person to perform settlement using the payment means. Typical examples are payments made by employees using corporation cards or underage children using their parents' cards.

Therefore, there is a need for a technical idea that can enhance the security of payment information while allowing other persons who are not the right person of the payment means to easily perform settlement.

In a case where a person other than the right holder of the payment means performs payment using a predetermined payment means, that is, the case where the right holder of the payment means and the payment request requester are separated, is defined as " third party payment " do.

In the conventional third party payment method, a third party (in the present invention, a 'third party' refers to a person who is not a legitimate right holder of a predetermined payment means, and uses 'third party' or 'others' Or the third party recognizes the payment information of the payment means, or a third party makes a payment request at a remote location, and the right holder processes the settlement using the payment means. In the former case, there is a risk that a third party can repeatedly perform third party settlement without the consent of the owner, and in the latter case, there is a hassle for the owner to participate in the settlement process each time.

Conventional technologies related to third party settlement are as follows.

In Korean Patent Application No. 10-2002-0049331 entitled " Service Acceptance Method Using Mobile Communication Terminal "(hereinafter referred to as Prior Art 1), it is described that a technique for allowing an online service to be performed for a user requesting a specific online service It provides ideas. Prior art 1 judges whether a service approval of a third party is required according to a requestor requesting a service and determines whether the requestor is a subscriber of the service using the mobile communication subscription information. It must go through. Further, when the requestor is not registered in advance as a subscriber of the service, there is a problem that the service is performed even if the third party does not approve the request. Further, when using a wireless payment service, it is inconvenient that a third party needs approval from a third party at every settlement using the credit card.

Korean Patent Application No. 10-2006-0109562 entitled " Financial Transaction Method by Third Party Approval Using a Mobile Communication Terminal "(hereinafter referred to as Prior Art 2), a financial transaction party decides a third party to approve a financial transaction, Each time it is performed, it provides a technical idea that financial transactions must be approved by a third party to approve the financial transaction.

Prior Art 2 differs from the object of the present invention in that the right holder of the payment means allows another person to approve the financial transaction, so that the payment means can be used by a person other than the right person.

In addition, all of the related arts have the right holder (or other person) to receive the approval each time the other person performs the settlement, so that it is inconvenient that the settlement is not allowed when the person who performs the approval fails to perform the approval. It can also be very cumbersome for the person performing the authorization to perform the payment each time.

In addition, there is a method of issuing a predetermined payment card and issuing a family card or the like so that another person (family member) can perform payment in addition to the owner of the payment card. However, Which differs from the technical idea of the present invention in that one specific card is used as a payment means and a third party can easily utilize the payment means.

Korean Patent Application No. 10-2002-0049331 entitled " Service Acceptance Method Using Mobile Communication Terminal ", " Korean Patent Application No. 10-2006-0109562 "Method of financing transaction by approval of a third party using a mobile communication terminal"

SUMMARY OF THE INVENTION The present invention provides a method and system for enabling a third party payment to be easily and securely performed by issuing a plurality of mobile payment means corresponding to one payment means.

Specifically, the second mobile payment means (referred to as " second mobile payment means " in the present invention) corresponding to a specific payment means is installed in a mobile terminal of another person, which corresponds to a specific payment means and is not a legitimate right holder of the payment means The form of the payment request may be, for example, a mobile application card, a mobile card, or the like, but may be a flexible form In the following description, a mobile payment means is used in combination with a mobile payment terminal installed in a mobile terminal of a right holder or a third party according to the context of the present invention. ), And to perform authentication of both the owner and the other person So that the second mobile payment means can authenticate the legitimacy of the other person to register and the right holder can legitimately allow the second mobile payment means.

It is another object of the present invention to provide a method and a system capable of allowing a mobile payment means to operate only in a terminal that is allowed in advance when the identity authentication is mobile authentication (i.e., occupancy / ownership authentication of a mobile terminal).

In addition, any one payment means (the payment means in the present invention can be used as a payment means regardless of the type, such as a payment card (real or virtual), a payment account (real or virtual), virtual (E.g., a mobile card or an app card) is issued to a single payment means by generating a plurality of pieces of mobile payment information corresponding to a plurality of mobile payment means .

Further, when the right holder permits the issuance of the mobile payment means to the terminal of the other person, it is possible to set a payment permission condition (e.g., payment amount, settlement time, payment position, type of payment object, , And to provide a method and system that can be controlled so that settlement can only be made within the range allowed by the payment of another person.

Another object of the present invention is to provide a method and a system that can prevent the right holder of a predetermined payment means from receiving a settlement request of a third party each time and performing or approving payment instead.

According to another aspect of the present invention, there is provided a method of using a second mobile payment means corresponding to a predetermined payment means and installed in a mobile terminal of another mobile terminal, The payment service system receiving a registration request of the second mobile payment means corresponding to the payment means from the right holder terminal of the right holder or the other terminal to the other terminal, Controlling the first mobile device to perform the first authentication and the second authentication, respectively, and registering the second mobile payment device in the other mobile device when the first authentication and the second authentication are all successful Wherein the settlement service system further comprises a settlement unit for, when payment is requested by the second mobile settlement unit of the other terminal, It characterized in that the payment is to be carried out in stages.

The step of allowing the second mobile payment means to register with the other terminal may include transmitting the second mobile payment information corresponding to the other terminal to the second terminal and including the second mobile payment information in the second mobile payment means.

The mobile payment method using method may further include registering the other terminal as an accepting terminal corresponding to the payment means when the first authentication and the second authentication are all successful .

The settlement service system may receive the registration request from the other terminal and control the first identity authentication by transmitting information about the other terminal to the right holder terminal in response to the registration request.

The payment service system may receive the registration request including information on the other terminal from the right holder terminal and control the other terminal to perform the second authentication.

The mobile payment method using the mobile payment method may further include the steps of the payment service system receiving a payment request using a mobile payment means installed in the request terminal from a predetermined request terminal, Determining whether a pair of mobile payment information included in the request corresponds to a pair of mobile payment information corresponding to an authorization terminal included in the registration information registered in the payment service system and the mobile terminal; So that only settlement is performed.

The method of using mobile payment means further includes receiving information on a payment permission condition of the second mobile payment means from the right holder terminal, wherein the payment service system transmits information on the payment permission condition to the other terminal So that only the payment request corresponding to the payment permission condition is received from the other terminal or only the payment request corresponding to the payment permission condition among the payment requests received from the other terminal is performed.

In order to solve the above-described technical problem, a mobile payment method using a mobile terminal comprises: a settlement service system corresponding to a predetermined payment means and the payment means; Storing registration information including mobile payment information of the mobile payment means and information on the allowable terminal, the mobile payment means being registered in the terminal, the terminal being the other terminal permitted to register the mobile payment means corresponding to the payment means by the right holder , The payment service system receiving a payment request using a mobile payment means registered in the request terminal from a predetermined request terminal, the payment service system including at least one of mobile payment information included in the request terminal or the payment request Is equivalent to registration information registered in the payment service system Determining, and the determination result only when corresponding to a step of the payment is carried out corresponding to the payment request.

The method may be implemented by a computer program installed in the data processing apparatus.

A settlement service system for using a second mobile settlement means corresponding to a predetermined settlement means and installed in another terminal which is a mobile terminal of another person not corresponding to the settlement means, An interface unit for receiving a registration request for registering a second mobile payment means corresponding to the payment means from the right holder terminal or the other terminal to the other terminal, And a controller for controlling the second mobile payment unit to register the second mobile payment unit in the second terminal when the first personal authentication and the second personal authentication are all successful.

The controller may transmit second mobile payment information corresponding to the other terminal to the other terminal in order to register the second mobile payment means.

If both the first authentication and the second authentication are successful, the control unit may register the other terminal in the storage unit as an authorization terminal corresponding to the payment means.

The authentication unit receives the registration request from the other terminal, and controls to perform the first authentication by transmitting information about the other terminal to the right holder terminal in response to the reception of the registration request from the right holder terminal, And may control the other terminal to perform the second identity authentication.

Wherein the settlement service system receives a settlement request using a mobile settlement means installed in the request terminal from a predetermined requesting terminal, and at least one of a requesting terminal that has made the settlement request or mobile payment information included in the settlement request, And a settlement processor for determining whether the settlement information corresponds to the registered information registered in the service system, and for performing settlement only when it is determined that the settlement information corresponds to the registered information.

Wherein the control unit receives information on a payment permission condition of the second mobile payment means from the right holder terminal and further registers information on the payment permission condition in the other terminal so as to correspond to the payment permission condition from the other terminal The settlement processing unit included in the settlement service system may cause only the settlement request corresponding to the settlement permission condition among the settlement requests received from the other terminal to be performed.

Wherein the settlement service system comprises information on a predetermined settlement means and an acceptance terminal of another person corresponding to the settlement means and not an owner of the settlement means, wherein the permitting terminal is a terminal of the other person and corresponds to the settlement means by the holder A mobile payment means for registering mobile payment information of the mobile payment means and information on the allowable terminal, the mobile payment means being registered in the request terminal, Wherein the mobile terminal determines whether at least one of the requesting terminal that has made the payment request or the mobile payment information included in the payment request corresponds to registration information registered in the payment service system, A settlement processing unit that causes the settlement corresponding to the settlement request to be performed It includes.

According to an aspect of the present invention, there is provided an application system installed in another terminal of a third party, which is not an owner of a predetermined payment means, includes a storage module for registering and storing mobile payment means corresponding to the payment means, And a control module for outputting a payment request to the payment service system using the mobile payment means stored in the module, wherein the mobile payment information included in the payment request outputted by the control module or at least one of the other terminals The registration information registered in the settlement service system, the registration information being information on the payment means, an acceptance terminal of a third person corresponding to the payment means and not an owner of the payment means, Means for registering the mobile payment means corresponding to the means Only the mobile payment information of the mobile payment means, which is registered in the non-holder right of the mobile terminal, and the mobile payment information of the mobile payment means, And a settlement corresponding to the request is performed.

In response to a registration request output to the payment service system by the control module or the right holder terminal of the right holder, the mobile payment means transmits the second self authentication and the first self authentication performed by the application system and the right holder terminal And if it is successful, it is issued through the payment service system and stored in the storage module.

According to the technical idea of the present invention, it is possible to issue a second mobile payment means corresponding to a predetermined payment means, so that payment can be performed easily and securely without a third party carrying the payment means . Specifically, there is an effect that an employee or a child of a corporation can easily perform third party settlement using his / her mobile terminal without holding a corporation card or a card of a parent.

Further, when issuing a mobile payment means corresponding to a specific payment means to another person, it is possible to authenticate that the right holder and the other person perform authentication of the other person, thereby validating the legitimacy of the other person to register the mobile payment means, If the authentication of the user is mobile authentication (i.e., occupancy / ownership authentication of the mobile terminal), there is an effect that the mobile payment means can be restricted to operate only in the terminal allowed in advance.

In addition, by making it possible to generate a plurality of pieces of mobile payment information corresponding to any one payment means (e.g., a payment card (real or virtual), a payment account (real or virtual), virtual money, A plurality of mobile settlement means are issued to the user, and the use history of the settlement means of each user can be easily distinguished.

Further, when the right holder permits the issuance of the mobile payment means to the terminal of the other person, it is possible to set a payment permission condition (e.g., payment amount, settlement time, payment position, type of payment object, , And that the settlement can only be made within the range allowed by the payment of the other person.

Further, according to the technical idea of the present invention, there is an effect that the right holder of a predetermined payment means receives a settlement request of a third party every time and does not have to deal with or approve the settlement instead.

BRIEF DESCRIPTION OF THE DRAWINGS A brief description of each drawing is provided to more fully understand the drawings recited in the description of the invention.
FIG. 1 shows a schematic configuration for implementing a method of using a second mobile payment means according to an embodiment of the present invention.
2 shows a schematic configuration of a settlement service system according to an embodiment of the present invention.
FIGS. 3 to 5 illustrate data flows of a method for using a second mobile payment method according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating an example of information stored in a settlement service system for a second mobile payment method using method according to an embodiment of the present invention. Referring to FIG.
7 is a diagram schematically illustrating an application system according to an embodiment of the present invention.

In order to fully understand the present invention, operational advantages of the present invention, and objects achieved by the practice of the present invention, reference should be made to the accompanying drawings and the accompanying drawings which illustrate preferred embodiments of the present invention.

Also, in this specification, when any one element 'transmits' data to another element, the element may transmit the data directly to the other element, or may be transmitted through at least one other element And may transmit the data to the other component. Conversely, when one element 'directly transmits' data to another element, it means that the data is transmitted to the other element without passing through another element in the element.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the preferred embodiments of the present invention with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

FIG. 1 shows a schematic configuration for implementing a third party payment method according to an embodiment of the present invention.

Referring to FIG. 1, a payment service system 100 may be provided to implement a third party payment method according to an embodiment of the present invention. The payment service system 100 may receive a payment request from a predetermined terminal (e.g., 200, 210). Then, the settlement service system 100 can determine whether to perform settlement processing or reject the settlement processing according to the technical idea of the present invention. The terminal (for example, 200 or 210) may be a terminal capable of requesting payment using a predetermined payment means. In addition, the settlement service system 100 can perform communication with the right holder terminal 300. The right holder terminal 300 may mean an owner of the payment means. According to an embodiment, the payment means may be a corporate card, and the owner of the payment means may be an employee authorized to perform settlement using the corporate card. Alternatively, the payment means may be a personal card, and the holder may be the name of the personal card. When the payment means is a card, the card may be a real card or a digital card (such as a mobile card or a mobile app card) that can be installed in a digital device such as a mobile phone.

According to an embodiment of the present invention, the settlement means may be a predetermined settlement account, the settlement account may be a virtual account formed according to a real account or a kind of settlement service, It is possible.

In any case, the payment means may be a means implemented to perform payment according to a payment service, and the payment means may have an owner.

The terminal (e.g., 200 or 210, hereinafter referred to as 'the other terminal') may be a terminal of another person who is not the owner of the payment means. For example, if the payment means is a corporation card, the other terminal (e.g., 200, 210) may be a terminal of an employee authorized to use the payment means from the owner of the corporation card, The other terminal (e.g., 200, 210) may be a terminal of a child who is permitted to use the payment means from a parent.

Mobile payment means for implementing the technical idea of the present invention may be registered in the other terminals (for example, 200 and 210). For example, the mobile payment means may include mobile payment information corresponding to the payment means (e.g., card information of the payment means or virtual card information corresponding to the card information, account number of the settlement account, A virtual account number, etc.) are stored and can be executed by a mobile card, or the payment information is stored in a predetermined application so that payment can be performed through the application. The mobile payment means can be implemented in various ways according to the type of the payment means and / or the kind of the payment service, and the mobile payment information is stored in at least the other terminals (for example, 200 and 210) Or a combination of hardware and /

The mobile payment information may be the payment information of the payment means itself or the virtual identification information corresponding to the payment means so that the payment service according to the embodiment of the present invention may be created by the payment service system . In any case, the mobile payment information may correspond to the payment means.

Also, according to the technical idea of the present invention, the mobile payment information may be different information according to the terminal on which the mobile payment means is installed.

For the technical idea of the present invention, a plurality of mobile payment means corresponding to one payment means can be registered in a plurality of terminals, and different mobile payment information can be registered for each terminal.

Therefore, the mobile payment information corresponds to the payment means and corresponds to the registered terminal. Each of the other terminals (e.g., 200 and 210) can make a payment request using the mobile payment information included in the mobile payment means registered in the mobile terminal. The settlement service system 100 can check the corresponding payment means and the corresponding terminal, that is, the terminal that transmitted the settlement request and / or the mobile payment means, by checking the mobile settlement information included in the settlement request.

The settlement service system 100 may perform settlement authentication for determining whether to perform settlement processing for a settlement request transmitted by a predetermined other terminal (for example, 200) according to the technical idea of the present invention. If payment authentication is successful, the payment service system 100 can perform payment processing. The payment process may be a process of transmitting settlement information corresponding to the payment means to a predetermined payment system 400 so that settlement is performed. The payment-side system 400 may be, for example, a system of an electronic financial carrier, such as a PG company VAN, and / or a financial institution system (e.g., a card company, a bank system) that finally authorizes payment. According to an embodiment, the settlement service system 100 may be included in the settlement system 400 and implemented. That is, software for performing functions and / or operations of the payment service system 100 defined in this specification may be installed in the payment-side system 400.

The payment service system 100 may be installed in the other terminal (e.g., 200) to perform communication with a predetermined application for implementing the technical idea of the present invention. Also, an application for implementing the technical idea of the present invention may be installed in the right holder terminal 300. The application installed in the other terminal (for example, 200) or the right holder terminal 300 may be organically combined with hardware provided in the other terminal (for example, 200) or the right holder terminal 300 to implement an application system have. Therefore, it goes without saying that the function and / or operation of the other terminal (for example, 200) or the right holder terminal 300 in this specification may be performed by the application system.

The other terminal (e.g., 200) and the right holder terminal 300 may be mobile phones, but the present invention is not limited thereto, and a mobile digital device (smart phone, tablet, wearable device, etc.) capable of implementing the technical idea of the present invention It suffices.

According to the technical idea of the present invention, a plurality of mobile payment means capable of performing settlement using any one payment means corresponding to a predetermined holder can be issued. The plurality of mobile payment means to be issued may be registered not only in the right holder terminal 300 but also in another terminal (for example, 200). Of course, it can also be registered in at least one second other terminal (e.g., 210).

As described above, a plurality of mobile payment means corresponding to one payment means can be issued, and at least one of the plurality of mobile payment means can be registered in another terminal (for example, 200) other than the owner terminal 300 . The other person corresponding to the other terminal (for example, 200) can perform settlement using his / her other terminal (for example, 200).

According to the embodiment of the present invention, when a third party requests settlement using the other terminal (for example, 200), settlement may be performed without being approved by the right holder every time a settlement request is made as in the above-described prior arts. According to an embodiment, a payment service according to an embodiment of the present invention may be implemented so as to be approved by a right holder.

In any case, according to the technical idea of the present invention, in order for the mobile payment means corresponding to the payment means to be registered in the other terminal (for example, 200), the other person corresponding to the other terminal (for example, 200) 300 may be required to be authenticated by the right holder.

The payment service system 100 can register the mobile payment means in the other terminal (for example, 200) if both the authentication of the other person and the authentication of the right person are successful.

The authentication of the other person may be a process of authenticating that the user of the terminal to which the mobile payment means is to be registered is a legitimate user scheduled by the owner. Also, authentication of the right holder may mean a process of allowing another person corresponding to another terminal (for example, 200) to make payment using his / her own payment means.

Accordingly, if both of the authentication of the other person and the authentication of the right holder are successful, the payment service system 100 must notify the other terminal (for example, 200) corresponding to the other person who has successfully authenticated himself / Means can be registered.

Personal authentication performed for the technical idea of the present invention can be performed through any conventional authentication method (e.g., I-PIN, authorized certificate, cellular phone authentication, biometric authentication, etc.). Particularly, according to the technical idea of the present invention, the identity authentication may be a mobile phone (mobile) identity authentication. As known in the case of the authentication of the mobile phone, authentication of the owner of whether the authentication requestor is an owner registered in the communication company system or occupied authentication of whether the owner owns the terminal can be performed. The mobile payment means installed in the other terminal (e.g., 200) and the other terminal (e.g., 200) may correspond to each other. When the mobile payment means is registered only with another terminal (for example, 200) of another person who has successfully authenticated himself / herself through authentication of the mobile phone, authentication can be performed only through the mobile payment means installed in the other terminal (for example, 200) There is an effect. Accordingly, there is an effect that when the mobile payment means is copied or leaked unauthorizedly to another terminal and an illegal payment is requested, payment can be denied.

For authentication, the payment service system 100 may communicate with a predetermined identity authentication system 500 (e.g., a communication company system). It is also a matter of course that the right holder terminal 300 and / or the other terminal (for example, 200) can perform communication with the principal authentication system 500 to perform authentication.

On the other hand, when a plurality of mobile payment means corresponding to one payment means is registered in a plurality of terminals, the mobile payment information included in each mobile payment means may be different. The settlement service system 100 generates different mobile settlement information for each terminal in which the mobile settlement means is registered and registers the mobile settlement information in the corresponding terminal so that mobile settlement information identifies each user even when a plurality of mobile payment means are issued You can use it as payment information.

As described above, the payment service system 100 requests the right holder terminal 300 to perform authentication for issuing / registering the mobile payment means to another terminal (for example, 200), and the right holder terminal 300 If the right holder's authentication is successful, it means that the right holder allows the user of the other terminal (for example, 200) as a user who can perform settlement using his / her own payment means. At this time, according to the technical idea of the present invention, payment may be allowed without approval of the right holder whenever a payment request is made.

Further, the right holder has the effect of controlling the allowable range of settlement while providing convenience of settlement to others by setting a settlement permission condition for each other at issuance / registration of the mobile settlement means.

The payment permission condition may be a condition for distinguishing a settlement request that is set by the right holder and can be accepted even if the user does not approve the settlement, or a condition for discriminating a settlement request in which settlement is not permitted without approval.

For example, the payment permission condition may include a condition for defining a payment amount, a condition for defining a payment time, a condition for defining a type of a payment object, a condition for defining a merchant, and / or a condition for defining a settlement position . For example, when a payment request in which payment is permitted during a payment request through a mobile payment means registered in another terminal (for example, 200) is less than a predetermined amount, a payment request is made within a predetermined time, A payment request corresponding to a particular merchant, a settlement request within a certain range (for example, a certain range on the basis of the corporation if the payment means is a corporation card) May be a payment request.

After the mobile payment means corresponding to a predetermined payment means is registered in at least one other terminal (for example, 200) as well as the right holder terminal 300, the payment service system 100 receives a payment request from a predetermined request terminal can do. Then, the payment service system 100 can confirm the mobile payment information included in the payment request. And the payment means of the right holder corresponding to the mobile payment means registered in the request terminal can be confirmed based on the confirmed mobile payment information. And information on an authorized terminal corresponding to the confirmed payment means and allowed to be registered by the owner of the mobile payment means can be confirmed. Then, the payment service system 100 can successfully process payment authentication only when the requesting terminal is an accepting terminal. The identification information (e.g., telephone number, USIM, IMSI, USIMID, OS ID information, etc.) of the requesting terminal may be included in the settlement request, and may be based on session information formed when a session is established with the settlement service system 100 So that the payment service system 100 can confirm the payment.

In the payment service system 100, predetermined registration information may be stored and maintained / managed. The registration information may include information on at least a payment means capable of identifying the payment means, and may also include identification information of the right holder terminal. Also, when the second mobile payment means is issued / registered to a predetermined other terminal, the information about the other terminal, that is, the terminal capable of identifying the permissible terminal may be stored so as to correspond to the information on the payment means . In addition, when different mobile payment information is generated and registered for each permitted terminal, the mobile payment information may be stored so as to correspond to the information on the payment means. In addition, when the payment permission condition is set by the right holder, information on the payment permission condition for each permitting terminal may be stored differently.

The payment service system 100 may be a payment mediating system for mediating between the other terminal (for example, 200) and the settlement side system 400 to perform settlement. In this case, the registration information may be stored in the payment-side system 400 instead of the payment service system 100.

When the payment service system 100 determines from the predetermined request terminal that the payment request is requested using the mobile payment means registered in the request terminal, the payment service system 100 determines that the mobile payment means (Or mobile payment information) corresponding to the settlement information corresponding to the settlement information.

The payment information in the present invention may mean information capable of identifying the payment means necessary for payment. The payment information may be, for example, a card number, but is not limited thereto, and the payment information may be account identification information or a predetermined identification code that is variously defined for payment according to a payment method. In any case, the payment information may mean information that can identify the payment means or information that is variously defined to identify the payment means. Further, in the present invention, the mobile payment information may be information capable of identifying the mobile payment means, and the mobile payment information may correspond to the payment means. Therefore, the mobile payment information may be information capable of identifying the mobile payment means and identifying the payment means.

If the settlement service system 100 is a system for mediating settlement, the settlement service system 100 can transmit settlement information to the settlement system 400 and perform settlement processing when the settlement authentication is successful. If the settlement service system 100 is a system for finally approving settlement, if the settlement authentication is successful, the settlement service system 100 performs a settlement process for determining whether or not settlement is finally allowed using the settlement information can do.

The configuration of the settlement service system 100 for implementing the technical idea of the present invention is shown in Fig.

2 shows a schematic configuration of a settlement service system according to an embodiment of the present invention.

2, a payment service system 100 according to an exemplary embodiment of the present invention includes a control unit 110, a storage unit 120, an interface unit 130, and an authentication unit 140. The settlement service system 100 may further include a settlement processing unit 150. Alternatively, the payment service system 100 may include a storage unit 120, an interface unit 130, and a payment processing unit 150 according to an embodiment.

Herein, a module or a part may mean a functional and structural combination of hardware for carrying out the technical idea of the present invention and software for driving the hardware. For example, each of the above configurations may refer to a logical unit of a predetermined code and a hardware resource for executing the predetermined code, and may be a code physically connected to one another or a specific type of hardware May be easily deduced to the average expert in the field of the present invention. Accordingly, each of the above-described configurations refers to a combination of hardware and software that performs the functions defined in this specification, and does not mean a specific physical configuration.

In addition, the payment service system 100, the payment-side system 400, and / or the authentication system 500 need not necessarily be implemented as any one physical device. It will be readily apparent to one of ordinary skill in the art that a plurality of physical devices may be combined organically as needed to implement the spirit of the present invention.

The controller 110 may control the other components included in the settlement service system 100 such as the storage unit 120, the interface unit 130, the authentication unit 140, and / or the payment processing unit 150 ) And the like) and / or resources.

The storage unit 120 may register and store registration information. The storage unit 120 may be implemented in the form of a DB or the like, but is not limited thereto. The registration information may include information on the payment means capable of identifying the payment means and / or information (right holder identification information and / or right holder terminal information) corresponding to the payment means. In a state where the mobile payment means corresponding to the payment means is not initially issued, only the information about the payment means and / or the information about the right holder may be stored so as to correspond to each other.

When the mobile payment means corresponding to the payment means is issued / registered to a predetermined other terminal according to the technical idea of the present invention, information about the other terminal (for example, 200) is registered in the other terminal Mobile payment information may be included and stored in the registration information. In addition, the registration information may be stored such that information on a payment permission condition for each of the other terminals (permitted terminals) corresponds to each other. The controller 110 may update the registration information in the storage unit 120 when the mobile payment unit corresponding to the payment unit is issued.

An example of the registration information is shown in Fig. FIG. 6 is a diagram illustrating an example of information stored in a settlement service system for a mobile payment method using method according to an embodiment of the present invention. Referring to FIG.

Referring to FIG. 6, the registration information may be stored such that information about a predetermined payment means (for example, payment means 1) and information about the right holder of the right holder corresponding to the payment means (for example, right holder terminal 1) have. The information on the right holder may include information that can identify the right holder, such as the name of the right holder.

Also, the registration information may be stored so that the identification information of the permission terminal corresponding to the payment means (for example, the permission terminal 1, the permission terminal 2, etc.) corresponds to the registration terminal. In addition, mobile payment information (for example, abcd-efgh-xxxx-xxxx, 1234-5678-xxxx-xxxx, etc.) generated by the control unit of the settlement service system 100 and issued to each permitting terminal is stored in the registration information .

In addition, when the right holder terminal 300 sets the payment permission conditions (for example, condition 1 and condition 2) for each permitting terminal, the information about the settling permission condition may be included in the registration information.

Also, if necessary, user authentication information (e.g., password, secret pattern, etc.) may be stored in the registration information for each permitted terminal. The user authentication information may be set by each of the other terminals (e.g., 200) to which the mobile payment means has been issued, and the user authentication information may be input for the payment request. Such user authentication information can be used for non-repudiation of the settlement request, and it is also possible to prevent the terminal (for example, 200) from being used by a person other than the permitter who is intended by the right holder to make a payment request.

2, the interface unit 130 performs communication with the other terminals (e.g., 200, the right holder terminal 300, the payment system 400, and / or the authentication system 500) . For example, the interface unit 130 may receive a registration request of a mobile payment means corresponding to the payment means to a predetermined other terminal (for example, 200). The registration request may be received from the other terminal (for example, 200) or may be received from the right holder terminal 300.

Also, the interface unit 130 may receive a payment request from a predetermined terminal. Hereinafter, a terminal outputting the payment request will be defined as a requesting terminal.

The authentication unit 140 may control the right holder terminal 300 and / or the other terminal (e.g., 200) to perform the authentication by itself when the registration request is received. For this, the authentication unit 140 may perform a role of controlling the right holder terminal 300 and / or the other terminal (e.g., 200) to be connected to the principal authentication system 500 to perform authentication. And can receive the result of the identity verification from the identity authentication system 500. Hereinafter, the first authentication of the right holder through the right holder terminal 300 and the second authentication by the other terminal (e.g., 200) will be referred to as the second authentication.

Then, the control unit 110 may receive the authentication result from the authentication unit 140. [ The control unit 110 may issue a mobile payment means corresponding to the payment means to the other terminal (for example, 200) if both the first authentication and the second authentication are successful. The issue of issuing the mobile payment means means that the mobile payment means is included in the mobile payment means and is implemented as a mobile payment means capable of requesting payment by transmitting information necessary for making a payment request using the mobile payment means. Needless to say, at least the mobile payment information may be included in the necessary information. Also, depending on the implementation, information on the payment permission condition may be included in information transmitted to the other terminal (e.g., 200). When the mobile payment means is issued to another terminal (e.g., 200), the mobile payment means may be registered with the other terminal (e.g., 200). The fact that the mobile payment means is registered means that at least the mobile payment information is registered in the other terminal (for example, 200). In addition, a payment acceptance condition may be registered. When the payment permission condition is registered in the other terminal (for example, 200), the other terminal (for example, 200) may control only the payment request corresponding to the payment permission condition to the payment service system 100 .

The control unit 110 may generate mobile payment information for each of the allowed terminals, if necessary. As described above, the mobile payment information may be the payment information of the payment means itself, but it may be a virtual identification code generated by the controller 110 for various reasons such as security enhancement, payment history management for each allowable terminal, and the like.

When the mobile payment means is issued by the control unit 110, the other terminal (e.g., 200) can request payment using the mobile payment means issued and registered to the other terminal.

The settlement request may be transmitted to the settlement processing unit 150. Then, the payment processing unit 150 can perform payment authentication. If the settlement authentication is successful, the settlement processing unit 150 can perform settlement processing. The payment processing may mean that the payment is completed by using the payment means as a payment means.

In order for the payment processing unit 150 to perform payment authentication, it is determined whether the requesting terminal that has made the payment request is an authorized terminal registered in the registration information as described above. And determining whether the requesting terminal that has made the payment request and the mobile payment means (mobile payment information) used in the payment request is the terminal that issued the mobile payment means by the controller 110 . Through this process, it is possible to prevent the mobile payment means from being used or copied in the terminal other than the authorized terminal.

Hereinafter, the date flow of the method for using mobile payment means according to the embodiment of the present invention will be described.

FIGS. 3 to 5 illustrate a data flow of a mobile payment method using method according to an embodiment of the present invention.

Referring to FIG. 3, registration information may be stored in the storage unit 120 (S100). The registration information may initially include information on the payment means and information on the right holder terminal 300. When the second mobile payment means corresponding to the payment means is issued, the registration information may be updated.

The other terminal (for example, 200) may perform the registration request of the second mobile payment means corresponding to the payment means (S110). The registration request may include information on the right holder and / or information on the payment means. For example, the right holder can inform the other person corresponding to the other terminal (for example, 200) about the payment means (identification information of the payment means). Then, the other terminal (for example, 200) can perform a registration request including information on the payment means. Or the other terminal (e.g., 200) can perform a registration request including information on the right holder. Then, the interface unit 130 may specify the payment means corresponding to the second mobile payment means that is requested to be registered with the right holder terminal 300. In any case, the payment means can be specified by the registration request.

Then, the authentication unit 140 notifies the right holder terminal 300 of notification information indicating that the registration request for the payment means has been received from the other terminal (for example, 200) and requesting the right holder terminal 300 to perform the first person authentication (S120). In addition, the authentication unit 140 may request the second terminal 200 (e.g., 200) that has performed the registration request (step S120-1). It goes without saying that the order of the first authentication and the second authentication can be changed.

The authentication unit 140 may perform the first authentication and / or the second authentication through the authentication system 500. For this, the authentication unit 140 may load the UI provided by the identity authentication system 500 to the owner terminal 300 and / or the other terminal 200, for example. Then, the right holder terminal 300 and / or the other terminal 200 (for example, 200) can perform the identity authentication through the identity authentication system 500 (S130, S130-1). The authentication unit 140 can receive the result of the authentication of the user from the authentication system 500 (S140).

According to an embodiment, the right holder terminal 300 may output a registration request to the interface unit 130 (S110-1). In this case, the registration request may include information on the other terminal (e.g., 200) (e.g., identification information of another person and / or identification information of another terminal (e.g., 200) May be included. The authentication unit 140 may transmit notification information indicating that the registration request has been received from the right holder terminal 300 and perform control to perform the second authentication.

If the first authentication is successful, the controller 110 can receive a payment permission condition from the right holder terminal 300 (S140-1). According to an embodiment, the payment permission condition may be received before the first personal authentication is performed, and the payment permission condition may be determined to be valid if the first personal authentication is successful.

The first personal authentication and the second personal authentication may be authentication of the cellular phone, and the personal authentication system 500 may be a communication company system or an authentication agent system performing authentication on behalf of the communication company system.

In any case, the controller 110 can issue the second mobile payment means to the other terminal (e.g., 200) if both the first authentication and the second authentication are successful. The controller 110 may generate second mobile payment information at the other terminal (e.g., 200) (S150).

In addition, the controller 110 may update the registration information stored in the storage unit 120 (S160).

Then, the second mobile payment information may be transmitted to the other terminal (e.g., 200) (S170). The transmitted second mobile payment information may be registered in the USIM card or the app card (S180). That is, the second mobile payment means may be implemented by a mobile card or an application card using a USIM, but it is not limited thereto, and a digital means that can be utilized as a payment means on a mobile may suffice.

According to an embodiment of the present invention, the information on the payment permission condition may be transmitted to the other terminal (e.g., 200) together with the second mobile payment information (S170-1). The transmitted payment acceptance condition may also be registered in the other terminal (e.g., 200) (S180). Information on the payment acceptance condition and the order of transmission and / or registration of the second mobile payment information may be changed Of course.

According to an embodiment, the payment permission condition may be registered in the payment service system 100 as described above with reference to FIG. 6, instead of being registered in the other terminal (for example, 200). In this case, the settlement processing unit 150 may process the settlement authentication as being successful only when the settlement request received from the predetermined request terminal corresponds to the settlement permission condition.

Meanwhile, not only the other terminal (for example, 200) but also the right holder terminal 300 can perform the registration request of the mobile payment means corresponding to the payment means. In this case, the registration requester and the holder are the same person, and an example of this is shown in Fig.

It is a matter of course that the process as shown in FIG. 4 can be performed before or after the second mobile payment means is issued to the other terminal (for example, 200).

The right holder terminal 300 can perform a registration request through the interface unit 130 (S10). Then, the authentication unit 140 can request an authentication request to the right holder terminal 300 (S20). Accordingly, the right holder terminal 300 can authenticate itself through the principal authentication system 500 (S30). According to the embodiment, even if the authentication of the user is successful, the authentication unit 140 may determine that the terminal of the right holder, which is stored in advance in the storage unit 120, matches the right holder terminal 300 that performs the registration request, The mobile terminal 300 may issue a mobile payment means.

The authentication unit 140 can receive the authentication result from the authentication system 500 and issue the mobile payment means to the right holder terminal 300 if the authentication result is successful. For this, the controller 110 may generate the first mobile payment information and update the registration information (S50, S60).

The control unit 110 may transmit the first mobile payment information to the right holder terminal 300 and register the mobile payment means including the first mobile payment information in the right holder terminal 300 in operation S80. . Of course, since the right holder terminal 300 is a terminal used by the holder, the payment permission condition may not be set. In order to reduce the risk of loss or attack of the right holder terminal 300, a predetermined payment permission condition may be set to the mobile payment means registered in the right holder terminal 300.

When the mobile payment means corresponding to one of the payment means is issued to another terminal (e.g., 200), the other terminal (e.g., 200) can make a payment request using the issued mobile payment means. This will be described with reference to FIG.

Referring to FIG. 5, the other terminal (for example, 200) can make a payment request using a mobile payment means registered in another terminal (e.g., 200) (S200). The payment request may include at least mobile payment information. In addition, the payment request may be received by filtering only the payment request corresponding to the payment permission condition by the other terminal (e.g., 200).

Then, the payment service system 100 can determine whether the other terminal (for example, 200) that has made the payment request based on the stored registration information is an authorized terminal included in the registration information. If the terminal is not an authorized terminal, the payment authentication can be failed.

For this, the payment service system 100 can check the corresponding payment means based on the mobile payment information included in the payment request (S210). In operation S220, the terminal 200 determines whether the terminal 200 is an authorized terminal corresponding to the payment means. When the requesting terminal that has made the payment request and the mobile payment means of the requesting terminal confirm that the requesting terminal that made the payment request is the permissible terminal, It may mean that the mobile payment means and the terminal issued by the mobile terminal 110 match each other. Of course, this effect may be obtained by confirming the payment means using the identification information of the requesting terminal, and determining whether the mobile payment information included in the payment request corresponds to the confirmed payment means.

Also, the payment service system 100 may check a payment permission condition corresponding to the other terminal (for example, 200) based on the registration information, and determine whether the payment request corresponds to the payment permission condition As described above (S230).

Then, the payment processing unit 150 included in the payment service system 100 determines whether the requesting terminal is an authorized terminal, whether the mobile payment information (mobile payment means) used in the requesting terminal and the payment request corresponds to the registration information, And / or whether or not the payment request corresponds to the payment permission condition (S240-1). Or may refuse the payment (S240).

7 is a diagram schematically illustrating an application system according to an embodiment of the present invention.

Referring to FIG. 7, the application system 600 includes a control module 610 and a storage module 620. The application system 600 refers to a system installed in another terminal (e.g., 200) of a user to implement an application for implementing the technical idea of the present invention and hardware of the other terminal (e.g., 200) can do.

The control module 610 included in the application system 600 may control functions and / or resources of other configurations of the application system 600. In addition, the control module 610 can perform communication with the payment service system 100 and / or the authentication system 500 to transmit and receive information for implementing the technical idea of the present invention.

For example, the control module 610 may transmit a registration request of the mobile payment means to the payment service system 100. In addition, the control module 610 is requested to authenticate itself to the payment service system 100, and can perform identity authentication in response thereto. The control module 610 may communicate with the authentication system 500.

Also, the control module 610 may issue a payment request to the payment service system 100 using the mobile payment means issued through the payment service system 100 and stored in the storage module 620.

The storage module 620 can issue and store mobile payment means according to the technical idea of the present invention to the payment service system 100. The means for issuing and storing the mobile payment means may mean receiving and storing code or information corresponding to the mobile payment means, and a part of the code or information, which constitutes the mobile payment means, (E.g., mobile payment information) from the payment service system 100 after receiving the payment information from the system 100 or another system (e.g., an app store or the like) so that the mobile payment means operates normally And the like.

The storage module 620 may be implemented with information for implementing the technical idea of the present invention in an IC card provided in the other terminal (e.g., 200). Or a storage device for storing the application and an application installed in the other terminal (e.g., 200) may be implemented in combination.

Then, the payment service system 100 transmits the mobile payment information included in the payment request outputted by the control module 610 or at least one of the other terminals is registered in the payment service system 100 Information, and can perform a payment process corresponding to the payment request to the payment means only when it is determined that the payment information corresponds to the information.

If at least one of the mobile payment information or the other terminal corresponds to registration information registered in the payment service system 100, the mobile payment information included in the payment request may be stored in the mobile payment information stored in the registration information In this case, it means that the other terminal is an authorized terminal stored in the registration information, as described above. In addition, according to an embodiment, the mobile payment information and whether the pair of the other terminals corresponds to a mobile payment information and a pair of allowable terminals stored in the registration information are as described above.

The method of using the mobile payment means according to the embodiment of the present invention can be implemented as a computer-readable code on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a hard disk, a floppy disk, an optical data storage device, and the like in the form of a carrier wave (for example, . In addition, the computer-readable recording medium may be distributed over network-connected computer systems so that computer readable codes can be stored and executed in a distributed manner. And functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers skilled in the art to which the present invention pertains.

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 embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims (18)

A method of using a second mobile settlement means corresponding to a predetermined settlement means and installed in another terminal, which is a mobile terminal of a non-owner, corresponding to the settlement means,
The payment service system receiving a registration request of the second mobile payment means corresponding to the payment means from the right holder terminal of the right holder or the other terminal to the other terminal;
Controlling the settlement service system such that the right holder terminal and the other terminal perform the first identity authentication and the second identity authentication, respectively;
And causing the second mobile payment means to register with the other terminal when both the first authentication and the second authentication are successful,
The payment service system comprises:
And when the payment is requested by the second mobile payment means of the other terminal, the settlement is performed by the payment means.
The method according to claim 1, wherein the step of causing the second mobile payment means to register with the other terminal comprises:
And transmitting the second mobile payment information corresponding to the other terminal to the other terminal and including the second mobile payment information in the second mobile payment means.
The mobile payment method of claim 1,
Further comprising registering the other terminal as an accepting terminal corresponding to the payment means if the first personal authentication and the second personal authentication are all successful.
The billing service system according to claim 1,
Receiving the registration request from the other terminal, and transmitting information about the other terminal to the right holder terminal in response to receiving the registration request to perform the first authentication.
The billing service system according to claim 1,
Receiving the registration request including information on the other terminal from the right holder terminal,
And controls the other terminal to perform the second authentication.
The mobile payment method of claim 1,
The payment service system receiving a payment request using a mobile payment means installed in the request terminal from a predetermined request terminal;
The settlement service system comprising a requesting terminal that has made the settlement request and a pair of mobile settlement information included in the settlement request includes an acceptance terminal included in registration information registered in the settlement service system and mobile payment information corresponding to the acceptance terminal Determining whether or not it corresponds to a pair; And
And causing the settlement to be performed only when the determination result is that the corresponding settlement has been made.
The mobile payment method of claim 1,
Further comprising receiving information on a payment permission condition of the second mobile payment means from the right holder terminal,
The payment service system comprises:
The information on the payment permission condition is further registered in the other terminal so that only the payment request corresponding to the payment permission condition is received from the other terminal,
Wherein the settlement request is a settlement request corresponding to the settlement permission condition among the settlement requests received from the other terminals.
Wherein the settlement service system corresponds to information on a predetermined settlement means and the settlement means and is not an owner of the settlement means, the allowable terminal is a terminal of the other person and the holder Storing registration information including mobile payment information of the mobile payment means and information on the allowable terminal, the mobile payment means being registered in the other terminal permitted to register the payment means;
The payment service system receiving a payment request using a mobile payment means registered in the request terminal from a predetermined requesting terminal;
Determining whether at least one of the request terminal or the mobile payment information included in the payment request corresponds to the registration information registered in the payment service system; And
And causing the payment corresponding to the settlement request to be performed only when the determination result is in the corresponding state.
A recorded computer program for performing the method according to any one of claims 1 to 8, installed in a data processing apparatus.
A settlement service system for using a second mobile settlement means corresponding to a predetermined settlement means and installed in another terminal, which is a mobile terminal of another person who is not an owner of a right corresponding to the settlement means,
An interface unit for receiving a registration request for registering a second mobile payment means corresponding to the payment means to the right holder terminal of the right holder or the other terminal from the other terminal;
An authentication unit for controlling the right holder terminal and the other terminal to perform the first authentication and the second authentication;
And a controller for registering the second mobile payment means in the other terminal when both the first authentication and the second authentication are successful.
11. The apparatus according to claim 10,
And transmits second mobile payment information corresponding to the other terminal to the other terminal in order to register the second mobile payment means.
11. The apparatus according to claim 10,
And registers the other terminal in the storage unit as an accepting terminal corresponding to the payment means when both the first authentication and the second authentication are successful.
11. The information processing apparatus according to claim 10,
Receives the registration request from the other terminal, and controls the first terminal to perform the first authentication by transmitting information about the other terminal to the right holder terminal in response to the registration request,
And receives the registration request including information on the other terminal from the right holder terminal and controls the other terminal to perform the second authentication.
11. The system of claim 10,
The mobile terminal according to any one of claims 1 to 5, further comprising: a payment request receiving unit that receives a payment request using a mobile payment unit installed in the request terminal from a predetermined requesting terminal; and at least one of a requesting terminal that has made the payment request or mobile payment information included in the payment request And a settlement processor for determining whether the settlement information corresponds to the registered information, and for performing the settlement only when it is determined that the settlement information corresponds to the registered information.
11. The apparatus according to claim 10,
Receiving information on a payment permission condition of the second mobile payment means from the right holder terminal and further registering the information on the payment permission condition in the other terminal so that a payment request corresponding to the payment permission condition Only the payment service system can receive,
The settlement processing unit included in the settlement service system,
Wherein the settlement service only allows a settlement request corresponding to the settlement permission condition among the settlement requests received from the other terminal to be performed.
Information of a predetermined payment means and an acceptance terminal of a third person corresponding to the payment means and not the owner of the payment means, the terminal of the third person being a terminal of the other person and registering the mobile payment means corresponding to the payment means by the holder A storage unit for storing mobile payment information of the mobile payment means and information on the allowable terminal registered in the allowed other terminal;
An interface unit for receiving a payment request using a mobile payment means registered in the requesting terminal from a predetermined requesting terminal; And
Determines whether at least one of the requesting terminal that has made the payment request or the mobile payment information included in the payment request corresponds to the registration information registered in the payment service system, and only when the payment corresponds to the payment request, And a payment processing unit for causing the payment processing unit to perform the payment processing.
In an application system installed in another terminal of another person who is not an owner of a predetermined payment means,
A storage module for registering and storing mobile payment means corresponding to the payment means from a payment service system; And
And a control module for outputting a payment request to the payment service system using the mobile payment means stored in the storage module,
Mobile payment information included in the payment request outputted by the control module or registration information in which at least one of the other terminals is registered in the payment service system, the registration information including information on the payment means, And an accepting terminal of the other person who is not the owner of the payment means, the mobile payment means being registered in the accepting terminal being a terminal of the other person who is not the right holder who is allowed to register the mobile payment means corresponding to the payment means by the right holder The mobile payment information of the mobile terminal and the information on the allowable terminal,
And a payment corresponding to the payment request is performed by the payment service system to the payment means.
The mobile payment system according to claim 17,
In response to a registration request output to the payment service system by the control module or the right holder terminal of the right holder, if both the second authentication and the first authentication performed by the application system and the right holder terminal are successful, Is issued through a service system and is stored in the storage module.

Images