KR20160116971A - System and method for providing mobile payment service supporting convinient complex payment of user - Google Patents

System and method for providing mobile payment service supporting convinient complex payment of user Download PDF

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Publication number
KR20160116971A
KR20160116971A KR1020150045462A KR20150045462A KR20160116971A KR 20160116971 A KR20160116971 A KR 20160116971A KR 1020150045462 A KR1020150045462 A KR 1020150045462A KR 20150045462 A KR20150045462 A KR 20150045462A KR 20160116971 A KR20160116971 A KR 20160116971A
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South Korea
Prior art keywords
user
settlement
mobile
payment
transaction
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KR1020150045462A
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Korean (ko)
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KR101672324B1 (en
Inventor
한우석
문준석
이태형
김기우
이문규
김재윤
정재균
윤소영
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주식회사 신세계아이앤씨
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

The present invention relates to a mobile payment service providing system and method. A mobile payment service providing system according to an embodiment of the present invention includes a communication unit for exchanging data related to mobile settlement with a user terminal; A storage unit for storing data on a user and data on a plurality of payment means registered for the user; A user authentication unit for authenticating the user when the user makes a mobile payment; And a payment processor for performing payment processing using at least one of the payment means for mobile payment of the user when the authentication is successful.

Figure P1020150045462

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a mobile payment service providing system and a mobile payment service providing system,

The present invention relates to a mobile payment service providing system and method.

Recently, a new field of the term FinTech is attracting attention. FinTech is a combination of financial and technique, which means an industry where finance and IT technology converge, such as settlement, remittance and asset management through mobile.

Currently, the number of smartphone subscribers in Korea has surpassed 4,000,000, and more than 80% of the people have mobile devices, the market size of financial services using mobile devices is expected to grow steadily in the future.

Accordingly, related companies are introducing or preparing various services aimed at mobile payment market. However, the mobile payment service, which has been released to date, does not provide enough convenience for the user to pay, and does not have enough safety to block impersonation by others in payment for user authentication.

It is an object of the present invention to provide a mobile payment service providing system and method that allows a user to freely and easily use a plurality of payment means in mobile payment.

It is an object of the present invention to provide a mobile payment service providing system and method that can more securely provide a mobile payment service through uniqueness confirmation regarding a user, a terminal, and an application program for mobile settlement in user authentication do.

It is an object of the present invention to provide a mobile payment service providing system and method capable of improving the security of a system by providing a volatile session key in a mobile payment process.

A mobile payment service providing system according to an embodiment of the present invention includes a communication unit for exchanging data with a user terminal about mobile settlement; A storage unit for storing data on a user and data on a plurality of payment means registered for the user; A user authentication unit for authenticating the user when the user makes a mobile payment; And a payment processor for performing payment processing using at least one of the payment means for mobile payment of the user when the authentication is successful.

The user authentication unit may receive, through the communication unit, application specific information inherent to the user, specific information unique to the user terminal, and application program specific information unique to the application program installed in the user terminal for mobile settlement And authenticate the user requesting the mobile settlement based on the received unique information.

The user authentication unit may further include: user unique data having a predetermined length generated by combining first user identification data generated based on the resident registration number of the user as the user specific information and second user identification data assigned to the user by the mobile communication company, And receives operating system data indicating the type and version of the operating system installed in the user terminal, and receives the operating system data as the application program specific information Specific data of a predetermined length generated by combining application program identification data uniquely mapped to the user specific data and the number of times the application program is installed by the user .

Wherein the user authentication unit is further configured to: determine whether the user unique data received from the user terminal matches the user unique data stored in the storage unit and the terminal unique information received from the user terminal, And if the application program specific data received from the user terminal coincides with the stored application specific data stored in the storage unit, the authentication processing unit can notify the payment processing unit of the authentication success of the user.

Wherein the user authentication unit is configured to: process the new user authentication through the certification authority whenever the application program is installed in the user terminal, and when the new user authentication is successful, You can update the number of application program installations.

The settlement processing unit may receive a message from the user terminal to select the transaction settlement means to be used in the transaction among the settlement means and perform processing for settlement of the transaction amount with the transaction settlement means.

Wherein the payment processing unit receives a message from the user terminal to select at least one transaction payment means to be used for the transaction among the payment means when the user makes a mobile payment in an offline store, The payment means mapping data is mapped to the transaction payment means and transmitted to the user terminal. When the user provides the payment means mapping data to the offline store, the payment means mapping data is transmitted from the offline store through the communication unit And transmits data related to the transaction settlement means mapped to the settlement means mapping data to the offline store through the communication unit in response to the settlement request to settle the transaction amount to the transaction settlement means Can handle for .

Wherein the user authentication unit receives an order request by a corresponding user from a server operating the online store through the communication unit when the user makes a mobile settlement in an online store through a computer and transmits the order request to the user terminal The mobile terminal transmits a message for inducing execution of an application program for mobile settlement, and when the application program is executed in the user terminal, performs authentication for the user, and the settlement processing unit: The transaction settlement means may receive at least one of the settlement means from the transaction settlement means to be used for the transaction with the on-line store, and may perform processing for settlement of the transaction amount with the transaction settlement means.

Wherein the user authentication unit receives the order request by the user from the server operating the mobile store through the communication unit when the user makes a mobile payment in the mobile store through the user terminal, When the application program is executed, performs authentication for the user, and the payment processing unit, when the authentication is successful, transmits, from the user terminal, at least one of the payment means to the transaction settlement means to be used for the transaction with the mobile store , And may perform processing for settlement of the transaction amount with the transaction settlement means.

Wherein the settlement processing unit is configured to receive a message for selecting a credit card from the transaction settlement means and to receive from the card issuer server responsible for the settlement service of the credit card to settle the transaction amount using the selected credit card, A virtual credit card number can be issued and processing for settlement can be performed.

The payment processing unit may exchange data with the user terminal using a different session key each time a command required for mobile settlement is input from the user during the payment processing.

A method of providing a mobile payment service according to an exemplary embodiment of the present invention is a method of providing a mobile payment service for a user by a mobile payment service providing system, the method comprising: receiving a mobile payment request for a transaction of the user; Performing authentication for the user; Receiving a message for selecting at least one of a plurality of payment means registered for the user from the user terminal when the authentication is successful; And performing a process for payment of a transaction amount with the selected payment means.

The step of performing the authentication for the user may further include the steps of: authenticating the user unique information unique to the user, unique information unique to the user terminal, and application program unique information unique to the application program installed in the user terminal ; And authenticating a user requesting the mobile settlement based on the received unique information.

The receiving of the unique information may include: generating a user identification data having a predetermined length, which is generated by combining first user identification data generated based on the resident registration number of the user as the user specific information and second user identification data assigned to the user by the mobile communication company, Receiving unique data; Receiving operating system data indicating the type and version of the operating system installed in the user terminal, the second user identification data, the terminal identification data assigned to the user terminal, and the operating system data; And receiving application program specific data of a predetermined length generated by combining application program identification data uniquely mapped to the user specific data with the application program specific information and the number of times the application program is installed by the user; .

Wherein the step of authenticating the user based on the received unique information comprises the step of authenticating the user based on user unique data stored in a storage unit of the mobile payment service providing system, The terminal unique information received from the user terminal matches the terminal unique information stored in the storage unit and the application program unique data received from the user terminal coincides with the application program unique data stored in the storage unit , And determining that authentication for the user is successful.

Wherein the mobile payment service providing method further comprises: before the step of receiving the mobile payment request, if the application program is installed in the user terminal, processing the user to pass a new user authentication through an authentication authority; And updating the number of application program installation times by the corresponding user stored in the storage unit of the mobile payment service providing system when the new user authentication is successful.

Wherein the step of receiving a message for selecting at least one of the plurality of payment means comprises the steps of: when the user makes a mobile payment in an offline store, if the authentication is successful, Wherein the step of performing processing for payment of a transaction amount with the selected payment means comprises the steps of: generating payment means mapping data mapped to the transaction payment means, Transmitting to a user terminal; Receiving a payment request using the payment means mapping data from the offline store when the user provides the payment means mapping data to the offline store; And transmitting data relating to the transaction settlement means mapped to the settlement means mapping data to the offline store in response to the settlement request and performing processing for settlement of the transaction amount with the transaction settlement means .

Wherein the step of receiving a mobile settlement request for a transaction of the user includes the step of receiving an order request by a corresponding user from a server operating the online store when the user makes a mobile settlement in an online store through a computer, Performing authentication for the user comprises: sending a message to the user terminal in response to the order request to induce execution of an application program for mobile settlement; And performing authentication for the user when the application program is executed in the user terminal, wherein receiving the message for selecting at least one of the plurality of payment means comprises: if the authentication is successful, And receiving a message from the user terminal to select at least one of the payment means from the transaction settlement means to be used for the transaction with the online store.

The step of receiving the mobile payment request for the transaction of the user includes the step of receiving an order request by the user from the server operating the mobile store when the user makes a mobile payment in the mobile store through the user terminal Wherein the step of authenticating the user includes: performing authentication for the user when the application program for mobile settlement is executed in the user terminal, and performing at least one of the plurality of payment means Receiving a message to select comprises: receiving, from the user terminal, a message to select at least one of the payment means from the transaction settlement means to be used for transaction with the mobile store if the authentication is successful .

Wherein the step of receiving a message for selecting at least one of the plurality of payment means comprises the step of receiving a message for selecting a credit card as the transaction settlement means to be used for the transaction among the payment means, Wherein the step of performing processing for settlement of the transaction amount comprises: receiving, from the card company server responsible for the settlement service of the credit card, a virtual credit card number unique to the transaction to settle the transaction amount using the selected credit card And performing processing for issuance and settlement.

Wherein the step of performing processing for settlement of the transaction amount with the selected settlement means comprises the steps of: when receiving a command required for mobile settlement from the user during the processing for settlement, And sending and receiving data.

The mobile payment service providing method according to an embodiment of the present invention may be implemented as a program that can be executed by a computer and recorded in a computer-readable recording medium.

A mobile payment service providing method according to an exemplary embodiment of the present invention can be realized by a computer program stored in a medium for execution in combination with a computer.

According to the embodiment of the present invention, the user can freely and easily use any one or two or more of the plurality of payment means in the mobile payment, thereby enhancing the settlement convenience of the user.

According to the embodiment of the present invention, when mobile payment is performed, virtual payment means mapping data is used instead of true information about a payment means between a user and a store, thereby enhancing the security of mobile payment. Since payment means mapping data can be transmitted and received through a dedicated line between systems, the mobile payment processing speed can be improved.

According to the embodiment of the present invention, it is possible to prevent impersonation by another person through more strict user authentication and provide a more secure mobile payment service.

According to the embodiment of the present invention, the security of the system can be improved by using the volatile session key during the mobile settlement processing.

1 is an exemplary diagram illustrating a connection relationship between a mobile payment service provision system, a user terminal, and various servers related to mobile settlement according to an exemplary embodiment of the present invention.
2 is an exemplary block diagram of a mobile payment service provision system according to an embodiment of the present invention.
FIG. 3 is an exemplary flowchart illustrating a process in which a user performs mobile settlement in an offline store according to an embodiment of the present invention.
FIG. 4 is an exemplary flowchart illustrating a process in which a user performs mobile settlement in an online store according to an embodiment of the present invention.
FIG. 5 is an exemplary flowchart illustrating a process in which a user performs mobile settlement in a mobile store according to an embodiment of the present invention.
6 is an exemplary flowchart of a method of providing a mobile payment service according to an embodiment of the present invention.
7 is an exemplary flowchart illustrating a process of performing authentication for a user according to an embodiment of the present invention.

Other advantages and features of the present invention and methods for accomplishing the same will be apparent from the following detailed description of embodiments thereof taken in conjunction with the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as being limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims.

Unless defined otherwise, all terms (including technical or scientific terms) used herein have the same meaning as commonly accepted by the generic art in the prior art to which this invention belongs. Terms defined by generic dictionaries may be interpreted to have the same meaning as in the related art and / or in the text of this application, and may be conceptualized or overly formalized, even if not expressly defined herein I will not.

The terminology used herein is for the purpose of illustrating embodiments and is not intended to be limiting of the present invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. As used herein, the terms' comprise 'and / or various forms of use of the verb include, for example,' including, '' including, '' including, '' including, Steps, operations, and / or elements do not preclude the presence or addition of one or more other compositions, components, components, steps, operations, and / or components. The term 'and / or' as used herein refers to each of the listed configurations or various combinations thereof.

It should be noted that the terms such as '~', '~ period', '~ block', 'module', etc. used in the entire specification may mean a unit for processing at least one function or operation. For example, a hardware component, such as a software, FPGA, or ASIC. However, '~ part', '~ period', '~ block', '~ module' are not meant to be limited to software or hardware. Modules may be configured to be addressable storage media and may be configured to play one or more processors. ≪ RTI ID = 0.0 >

Thus, by way of example, the terms 'to', 'to', 'to block', 'to module' may refer to components such as software components, object oriented software components, class components and task components Microcode, circuitry, data, databases, data structures, tables, arrays, and the like, as well as components, Variables. The functions provided in the components and in the sections ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ ' , '~', '~', '~', '~', And '~' modules with additional components.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings attached hereto.

1 is an exemplary diagram illustrating a connection relationship between a mobile payment service provision system 100 according to an embodiment of the present invention and various servers 200, 300, 400, and 500 related to a user terminal 10 and a mobile settlement to be.

As shown in FIG. 1, the mobile payment service providing system 100 is connected to the user terminal 10 through a network. According to an exemplary embodiment, the user terminal 10 may include a processor, a wireless network module, and a storage module, such as a smart device, e.g., a smart phone, a smart gear, a tablet PC, Lt; RTI ID = 0.0 > a < / RTI >

The user can use the mobile terminal 10 (for example, an on-line store, an online store (for example, an online shopping mall using a PC to access the Internet using the PC), and a mobile store The mobile payment service according to the embodiment of the present invention can be used for settlement of the transaction amount at the time of the transaction related to the goods or service.

The user terminal 10 and the mobile payment service providing system 100 are connected through a wireless network including a mobile communication network and a wired network.

The mobile settlement service providing system 100 includes an offline store POS system 200, a server 300 for operating an online store, a server 400 for operating a mobile store, and a payment means management server 500 ) Through a network to perform processing for mobile settlement.

2 is an exemplary block diagram of a mobile payment service providing system 100 according to an embodiment of the present invention.

2, the mobile payment service providing system 100 may include a communication unit 110, a user authentication unit 120, a payment processing unit 130, and a storage unit 140.

The communication unit 110 exchanges data with the user terminal 10 regarding mobile settlement. The storage unit 140 may store data related to a user who is provided with a mobile settlement service and data related to a plurality of payment means registered with the user. The user authentication unit 120 may authenticate the user when the user makes a mobile payment. The payment processing unit 130 can perform payment processing using at least one of the payment means for mobile payment of the user when the authentication is successful.

The communication unit 110 is a communication device capable of communicating data with a destination client. As described above, the communication unit 110 includes not only the user terminal 10 but also various servers 200 required to provide a mobile settlement service according to an embodiment of the present invention , 300, 400, 500). A plurality of communication apparatuses may be used in accordance with a destination client or a communication protocol for exchanging data on the basis of security or the like. Here, the communication unit 10 includes communication devices that allow the mobile payment service providing system 100 to exchange data with other devices in order to provide a mobile payment service.

The storage unit 140 stores data related to a user and data related to a plurality of payment means registered for the user as well as various data necessary for the mobile payment service providing system 100 to provide a mobile payment service . The user authentication unit 120 and the payment processing unit 130 call the data stored in the database to perform user authentication and settlement, It can be used for processing. The storage unit 140 preferably includes a storage device capable of storing a large amount of data and includes, for example, an HDD, an SSD, and the like. Further, the storage unit 140 may store a high-speed storage device such as a RAM, a ROM, a cache, and the like necessary for the operation of the user authentication unit 120 and the payment processing unit 130, in addition to the mass storage device necessary for building a database .

The user authentication unit 120 may perform authentication for the user at the mobile payment of the user, and the payment processing unit 130 may perform payment processing through the payment means for mobile payment of the user at the time of successful authentication . The user authentication unit 120 and the payment processing unit 130 may include a processor capable of processing data such as a CPU and the like. The processor may execute a program stored in the storage unit 140, The mobile payment service according to the embodiment of the present invention can be implemented.

In this specification, the user authentication unit 120 and the payment processing unit 130 are described as separate components, but the present invention is not limited thereto. The user authentication unit 120 and the payment processing unit 130 may be integrated into one component, Or may be implemented separately by more than one of the components.

For example, the user authentication unit 120 and the payment processing unit 130 may be constructed as separate servers to provide mobile payment services while exchanging data with each other. However, the present invention is not limited thereto.

According to an embodiment of the present invention, the user authentication unit 120 receives, from the user terminal 10 via the communication unit 110, user-specific information unique to the user, unique information unique to the user terminal 10, Specific application specific information unique to the application program installed in the user terminal 10 for mobile settlement and authenticate the user who requested the mobile settlement based on the received unique information. In other words, the user authentication according to an embodiment of the present invention may be based on the user-specific information, the terminal-specific information, and the application program-specific information.

The user-specific information is data unique to each user using the mobile settlement service, and may include first user identification data, for example, a CI (Connecting Information) number generated based on a resident registration number of a user according to an embodiment .

Further, the user-specific information may include second user identification data, such as a phone number or unique data created based on the second user identification data, which the user has given to the user in the subscribed mobile communication company to use the user terminal 10. [

According to an embodiment, the user-specific information may be a predetermined length of data generated by combining the first user identification data and the second user identification data, for example, a 20-digit number.

The terminal unique information is data uniquely assigned to each user terminal 10 used by a user for mobile settlement, and may include terminal identification data, for example, a Universal Unique IDentifier (UUID) assigned to the user terminal 10, But the present invention is not limited thereto, and serial numbers given by the terminal manufacturer may be used.

In addition, the terminal unique information may include data on an operating system installed in the user terminal 10. [ For example, the terminal unique information may include information about the type (e.g., Android, iOS, etc.) of the operating system installed in the terminal and its version information.

According to an embodiment, the terminal specific information may include the terminal identification data and the operating system related data, and may further include second user identification data such as a telephone number.

The application program specific information is data uniquely assigned to an application program installed in the user terminal 10 for mobile settlement and may include application program identification data uniquely mapped for each user unique information have.

In addition, according to the embodiment of the present invention, the application program specific information may further include the number of times the application program is installed by the user.

According to an embodiment, the application program specific information may be composed of a predetermined length of data, for example, a 20-digit number generated by combining the application program identification data and the application program installation number.

The user authentication unit 120 receives the unique information, i.e., the user unique information, the terminal unique information, and the application program specific information, and authenticates the user who requested the mobile settlement.

According to an embodiment of the present invention, the user authentication unit 120 may determine whether the user unique data received from the user terminal 10 matches the user unique data stored in the storage unit 140 , The terminal unique information received from the user terminal 10 matches the terminal unique information stored in the storage unit 140 and the application program unique data received from the user terminal 10 is stored in the storage unit 140 It is determined that the authentication for the user is successful and the authentication processing unit 130 can be informed of the authentication success.

In other words, in the user authentication according to the embodiment of the present invention, the user specific information, the terminal unique information, and the application program specific information received from the user terminal 10 of the user requesting mobile settlement are registered in the mobile payment service providing system 100 It is determined that the authentication is successful only if the user unique information, the terminal unique information, and the application program specific information match each other. If any of the sets does not match, it is determined that the authentication fails and the mobile settlement procedure is terminated.

As a result, the mobile payment service provision system 100 according to the embodiment of the present invention confirms whether a user requesting mobile settlement is a true user and prevents impersonation by others through a more strict authentication procedure, Mobile payment service can be provided.

For example, when a user first installs an application program for performing a mobile settlement according to an embodiment of the present invention in his / her terminal (first terminal), the number of times the application program is installed is '1' . The information on the number of times of installation is stored and managed in the storage unit 140 of the mobile payment service providing system 100 and stored in the user's terminal so that whenever the user requests mobile settlement using the terminal, Is transmitted to the system 100 and is compared with the number-of-installations information stored in the storage unit 140 for user authentication.

If the user installs the application program in another terminal (second terminal) possessed by the user, the number of installation of the application program is 2. As a result, when the user tries to make a mobile settlement using the first terminal, even if the user's unique information and the terminal unique information of the user coincide with each other, the application program specific information is inconsistent and the authentication procedure is terminated due to authentication failure. The number of application programs installed in the first terminal is '1' while the number of application programs installed in the mobile payment service providing system 100 for the user is '2'.

In order for the mobile payment service providing system 100 to perform user authentication on the basis of the number of times of application program installation, the user authentication unit 120 may be configured such that each time an application program is installed in the user terminal 10, It is possible to process the new user authentication through the certification authority of the third party. If the new user authentication is successful, the user authentication unit 120 may update the number of application programs installed by the corresponding user stored in the storage unit 140. [ As a result, the mobile payment service providing system 100 can be utilized in the user authentication procedure by continuously managing the number of times the application program is installed by the user.

Further, each time the user installs the application program in the user terminal 10, the payment processing unit 130 deletes the information on the payment means (for example, the credit card) registered for the user, You can prevent the use of means and require you to register a new payment method each time you install a new application program.

As a result, the mobile payment service providing system 100 can not use the mobile payment with the payment means that has been registered even if the application program is installed by stealing the user information and the terminal information by unauthorized persons, It is possible to minimize the damage caused by the user.

When the user authentication by the user authentication unit 120 is successful, the payment processing unit 130 performs a payment process using at least one of the plurality of payment means registered for the user for mobile payment of the user .

According to the embodiment of the present invention, the payment processing unit 130 receives a message for selecting the transaction settlement means to be used for the transaction among the payment means, and performs processing for settlement of the transaction amount with the transaction settlement means Can be performed.

Specifically, the mobile payment according to an embodiment of the present invention may include mobile settlement in an offline store, mobile settlement in an online store, and mobile settlement in a mobile store.

FIG. 3 is an exemplary flowchart illustrating a process in which a user performs mobile settlement in an offline store according to an embodiment of the present invention.

3, when the user uses the mobile settlement service according to the embodiment of the present invention in the off-line store, the payment processing unit 130, when the user authentication by the user authentication unit 120 is successful (S6510 and S6510) S6610), the user terminal 10 may receive a message for selecting at least one transaction settlement means to be used for the transaction among the payment means registered for the user (S6710).

When the message for selecting the transaction settlement means is received, the settlement processing unit 130 may generate the settlement means mapping data mapped to the transaction settlement means and transmit it to the user terminal 10 (S6715).

Then, if the user provides the settlement means mapping data to the offline store (S6720), the settlement processing unit 130 receives the settlement request using the settlement means mapping data from the offline store through the communication unit 110 (S6730 (S6740). In response to the payment request, the data related to the transaction settlement means mapped to the settlement means mapping data may be transmitted to the off-line store through the communication unit 110 in operation S6740.

As a result, the offline store sends and receives data to and from the mobile payment service provision system 100 and the payment means management server 500 using the data relating to the transaction payment means received from the payment processing unit 130, The settlement means may process the settlement of the transaction amount (S680). When the settlement processing is completed, the settlement processing unit 130 can transmit a message informing the user terminal 10 of the settlement processing result (S690).

The payment means mapping data is provided by a user to a payment manager (e.g., cashier, automatic payment apparatus, etc.) of a store for mobile settlement in an offline store, and may be a barcode according to an embodiment. In this case, the user presents the barcode displayed on the screen of the user terminal 10 to the payment person in charge, and the payment person reads the barcode using the barcode reader, Can be requested.

However, the payment means mapping data is not limited to a bar code. For example, the payment means mapping data may be transmitted to a short range communication device provided at the counter using a short distance communication such as RFID, Bluetooth, etc. in addition to the bar code.

The payment means mapping data generated by the payment processing unit 130 and transmitted to the user terminal 10 does not include genuine information (e.g., card number, etc.) for the payment means as virtual data generated by a predetermined algorithm . In addition, the payment means mapping data may be set to have a predetermined validity period, and may be set to be available for payment only once.

For example, when the payment processing unit 130 receives a message for selecting the transaction payment means from the user terminal 10, the payment processing unit 130 generates a payment means mapping data mapped to the transaction payment means by executing a predetermined algorithm To the user terminal (10).

At this time, the settlement processing unit 130 determines that the settlement unit mapping data is valid only for the settlement request received within a predetermined time (e.g., five minutes) as the settlement unit mapping data after generating the settlement unit mapping data, and performs the settlement processing (S680) And the payment request can be rejected for the payment request received over the period of time.

In addition, if a payment request is received a plurality of times with the same payment method mapping data even if the payment request is received before the elapse of the time, the payment processing unit 130 performs a payment process (S680) only for the first payment request received , Then the payment request may be refused for the next payment request received.

As described above, the mobile payment service providing system 100 according to the embodiment of the present invention generates the payment means mapping data corresponding to the transaction settlement means when the user selects the transaction settlement means, The true information of the means can be prevented from being exposed to the outside. In addition, by limiting the valid period and the effective number of the payment means mapping data, it is possible to prevent another person from making an unauthorized payment using the payment means mapping data of another user.

According to another embodiment of the present invention, the user can request the mobile settlement to the predetermined basic payment means through a signature for payment, instead of selecting the payment means to be used for payment of the transaction amount through the user terminal 10. [

For example, after the offline store receives the list of payment means from the mobile payment service providing system 100 (S6740), the user selects the payment means from the mobile payment service providing system 100 (S6750) instead of selecting the payment means If so, the off-line store can send data about the user's signature to the mobile payment service providing system 100.

Upon receipt of the data related to the signature of the user, the payment processing unit 130 may perform processing for payment of the transaction amount to the predetermined basic payment means among the plurality of payment means registered for the user.

In this case, the payment processing unit 130 can determine whether or not the signature of the user received from the offline store matches the signature of the corresponding user stored in the storage unit 140, and only when the signature matches, Can be performed.

To this end, the user registers a plurality of payment means through the user terminal 10 in advance and designates a basic payment means, and registers a signature to be used for payment. When the user's signature data is received from the off-line store, the payment processing unit 130 receives the user's signature payment data from the storage unit 140, The data relating to the means and the signature can be called up and used for payment processing.

FIG. 4 is an exemplary flowchart illustrating a process in which a user performs mobile settlement in an online store according to an embodiment of the present invention.

Referring to FIG. 4, when a user uses a mobile payment service in an online store through a computer connected to a network such as the Internet, the user authentication unit 120 may include a server 300 operating an online store through the communication unit 110, The user can receive an order request from the user (S6410).

In this case, in response to the order request, the user authentication unit 120 transmits a message to the user terminal 10 instructing execution of the application program for mobile settlement (S6420) When executed, the authentication for the user can be performed (S6510 and S6610).

Thereafter, if the user authentication is successful, the payment processing unit 130 receives a message from the user terminal 10 to select at least one of the plurality of payment means from the transaction settlement means to be used for the transaction with the online store S6770), the transaction settlement means may perform processing for settlement of the transaction amount (S680). When the settlement processing is completed, the settlement processing unit 130 can transmit a message informing the user terminal 10 of the settlement processing result (S690).

According to this embodiment, unlike the offline store where the mobile settlement procedure is started through the user terminal 10, the mobile settlement in the online store is started upon receipt of the order request by the user from the online store operation server 300 .

In addition, the mobile payment service providing system 100 may cause the user terminal 10 to execute an application program by transmitting an application program execution inducement message to the user terminal 10 of the corresponding user in response to the order request of the user have. The user terminal 10 may be set to automatically execute an application program upon receiving the execution inducement message, but according to an embodiment, the application program may be executed manually by the user who has confirmed the message.

FIG. 5 is an exemplary flowchart illustrating a process in which a user performs mobile settlement in a mobile store according to an embodiment of the present invention.

5, when the user uses the mobile settlement service in the mobile store through the user terminal 10, the user authentication unit 120 receives the corresponding information from the server 400 operating the mobile store through the communication unit 110 An order request by the user may be received (S6411).

Thereafter, when the application program for mobile settlement is executed in the user terminal 10, the user authentication unit 120 can perform authentication for the user (S6511 and S6610).

Then, when the user authentication is successful, the payment processing unit 130 receives a message from the user terminal 10 to select at least one of the plurality of payment means from the transaction settlement means to be used for the transaction with the mobile store ( S6770), the transaction settlement means may perform processing for settlement of the transaction amount (S680). When the settlement processing is completed, the settlement processing unit 130 can transmit a message informing the user terminal 10 of the settlement processing result (S690).

According to this embodiment, unlike the online store where the application program is executed by sending an application program execution inducement message to the user terminal 10 in response to an ordering request by the user, the transaction at the mobile store is transmitted to the user terminal 10 Therefore, when the user selects mobile settlement as a settlement method in the mobile store, the application program can be automatically executed in the user terminal 10 without receiving a separate execution inducement message. However, according to the embodiment, the application program may not be executed automatically but may be executed manually by the user.

3 to 5, the processing for payment (S680) may be performed between the mobile payment service providing system 100 and the server 200, 300, 400 related to the store and the payment method management server 500 .

According to the embodiment of the present invention, the payment means used for the mobile payment may include various payment means such as a credit card, a point, and an employee ID card. If a credit card is selected as the transaction settlement means to be used for the transaction by the user, the settlement means management server 500 may be a credit card company managing the credit card.

In this case, the settlement processing unit 130 receives a message for selecting a credit card as the transaction settlement means, and a credit card server (hereinafter referred to as " credit card company " 500 to issue a virtual credit card number unique to the transaction and perform processing for settlement.

That is, instead of storing the actual card number of the credit card registered by the user in the storage unit 140, the mobile payment service providing system 100 receives the virtual card number corresponding to the actual card number from the card company server 500 Stored in the storage unit 140 and used for mobile settlement processing using the user's credit card.

According to the embodiment of the present invention, the payment processing unit 130 exchanges data with the user terminal 10 using a different session key every time a command required for mobile settlement is input from the user during the payment processing .

As described above, the mobile payment service providing system 100 applies the volatile session code to the mobile payment by changing the session key during the payment processing with the user terminal 10, Can be improved.

6 is an exemplary flow diagram of a method 600 of providing a mobile payment service in accordance with an embodiment of the present invention.

The mobile payment service providing method 600 may be performed by the mobile payment service providing system 100 according to the embodiment of the present invention described above. The mobile payment service providing method 600 may be implemented as a computer-executable program and recorded on a computer-readable recording medium. The mobile payment service providing system 100 may execute a program from the medium Thereby performing a mobile payment service providing method 600.

As shown in FIG. 6, the mobile payment service providing method 600 includes a step S640 of receiving a mobile payment request for a transaction of a user, a step S650 of performing authentication for the user, A step S670 of receiving a message for selecting at least one of a plurality of payment means registered for the user from the user terminal 10 at S670, (Step S680).

FIG. 7 is an exemplary flowchart illustrating a process of performing authentication for a user (S650) according to an embodiment of the present invention.

Referring to FIG. 7, the step of performing authentication for the user (S650) may include receiving unique user-specific information from the user terminal 10, unique information unique to the user terminal 10, (S651) of receiving application program specific information unique to the application program installed in the user terminal 10, and authenticating the user who requested the mobile settlement based on the received unique information.

According to one embodiment, the step (S651) of receiving the unique information includes: first user identification data (for example, CI number) generated based on the resident registration number of the user as user-specific information; And 2) receiving user-specific data of a predetermined length generated by combining user identification data (e.g., telephone number).

When the CI number is used as the first user identification data, the CI number of the user can be provided from a server of the mobile communication company to which the user belongs. Specifically, the user authentication unit 120 transmits the personal information of the user received from the user terminal 10 to the server of the mobile communication company providing the mobile communication service to the user terminal 10, Lt; RTI ID = 0.0 > CI < / RTI >

If the telephone number is used as the second user identification data, the user's telephone number can be directly transmitted to the user authentication unit 120 by directly inputting the telephone number to the user terminal 10 of the user.

However, according to another embodiment, an application program installed in the user terminal 10 may extract the telephone number of the user from the user terminal 10 and transmit the telephone number to the user authentication unit 120. When an application program is automatically acquired from the user terminal 10 instead of receiving the telephone number used for authentication from the user, the other person steals the telephone number of another user and uses the registered payment means unauthorized Can be prevented.

The step S651 of receiving the unique information includes receiving the second user identification data as the terminal unique information, the terminal identification data (e.g., UUID) assigned to the user terminal 10, and the operating system installed in the user terminal 10 And operating system data representing the type and version of the operating system.

In addition, the step (S651) of receiving the unique information may include receiving application program identification data, which is uniquely mapped to the user specific data as application specific information, and the number of times the application program is installed by the user, And receiving application program specific data.

Referring to FIG. 7, the step of authenticating a user based on the received unique information may be performed by the mobile payment service providing system 100 corresponding to the user-specific data stored in the storage unit 140 (YES in S652); The terminal unique information received from the user terminal 10 coincides with the terminal unique information stored in the storage unit 140 (Yes in S653); If the application program specific data received from the user terminal 10 coincides with the application program specific data stored in the storage unit 140 (YES in S654), a step S655 is performed in which it is determined that authentication for the user is successful .

6, in order to utilize the number of times of application program installation with the application program specific data in the user authentication, the mobile payment service providing method 600, before the step S640 of receiving the mobile payment request, A step S610 of performing a new user authentication through a certification authority when the application program is installed in the user terminal 10, and a step S610 of, if the new user authentication is successful (YES in S620) (S630) updating the number of application program installation times by the corresponding user stored in the storage unit 140 provided in the storage unit 100 of FIG.

In addition, as described with reference to FIG. 3, when the user makes a mobile payment in the off-line store, the step of receiving a message for selecting at least one of the plurality of payment means (S670) (S6710) a message for selecting at least one transaction settlement means to be used for the transaction among the settlement means.

The step S680 of performing the processing for settlement of the transaction amount with the selected settlement means may include generating the settlement means mapping data mapped to the transaction settlement means and transmitting the generated settlement means mapping data to the user terminal 10 in operation S6715, (S6720) if the user provides the payment means mapping data to the offline store (S6720), receiving the payment request using the payment means mapping data from the offline store (S6730), and in response to the payment request, And transmitting data relating to the transaction settlement means mapped to the means mapping data (S6740).

4, the step S640 of receiving a mobile settlement request for a user's transaction at the time of mobile settlement in the online store is performed by the server 300 operating the online store, (S6410) of receiving an order request by the user.

The step S650 of performing the authentication for the user includes transmitting a message to the user terminal 10 in response to the order request to induce execution of the application program for mobile settlement S6420, 10), authentication (S6510 and S6610) for the user may be performed when the application program is executed.

The step S670 of receiving a message for selecting at least one of the plurality of payment means may be a step of transferring at least one of the payment means from the user terminal 10 to the transaction settlement means to be used for the transaction with the online store And receiving a message for selecting one (S6770).

As described above with reference to FIG. 5, the step S640 of receiving a mobile settlement request for a user's transaction at the time of mobile settlement in the mobile store is performed by the server 400 operating the mobile store, (S6411) for receiving an order request by the user.

The step of performing authentication for the user (S650) may include performing authentication for the user when the application program for mobile settlement is executed in the user terminal 10 (S6511).

The step S670 of receiving a message for selecting at least one of the plurality of payment means may be a step of transferring, from the user terminal 10 to the transaction settlement means to be used for the transaction with the mobile store, And receiving a message for selecting one (S6770).

As described above, the plurality of payment means may include a credit card. In this case, the step S680 of performing the processing for payment of the transaction amount to the selected payment means may be performed by the card issuing server 500 responsible for the payment service of the credit card to settle the transaction amount using the selected credit card And issuing a virtual credit card number unique to the transaction and performing processing for settlement.

In addition, according to the embodiment of the present invention, the step of performing the processing for payment of the transaction amount to the selected payment means (S680) may include receiving a command required for mobile payment from the user during the processing for payment And exchanging data with the user terminal 10 using a different session key.

The mobile payment service providing method 600 may be stored in a computer-readable recording medium, which is a program for execution on a computer. The computer-readable recording medium includes all kinds of storage devices in which data that can be read by a computer system is stored. Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like. In addition, the mobile payment service providing method 600 may be implemented as a computer program stored in a medium for execution in combination with the computer.

While the present invention has been described with reference to the exemplary embodiments, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. Those skilled in the art will appreciate that various modifications may be made to the embodiments described above. The scope of the present invention is defined only by the interpretation of the appended claims.

10: User terminal
100: Mobile payment service providing system
110:
120:
130:
140:
200: In-store POS system
300: Online store operation server
400: Mobile Store Operations Server
500: payment means management server
600: How to provide mobile payment service

Claims (23)

A communication unit for exchanging data related to mobile settlement with a user terminal;
A storage unit for storing data on a user and data on a plurality of payment means registered for the user;
A user authentication unit for authenticating the user when the user makes a mobile payment; And
A payment processing unit for performing payment processing using at least one of the payment means for mobile payment of the user when the authentication is successful;
The mobile payment service providing system comprising: The method according to claim 1,
The user authentication unit may include:
Receiving unique application-specific information unique to the user, unique information unique to the user terminal, and application program specific information unique to the application program installed in the user terminal for mobile settlement,
And authenticates the user who requested the mobile settlement based on the received unique information. 3. The method of claim 2,
The user authentication unit may include:
Receiving user unique data of a predetermined length generated by combining first user identification data generated based on the resident registration number of the user as the user specific information and second user identification data assigned to the user by the mobile communication company,
Receiving operating system data indicating the type and version of an operating system installed in the user terminal, the terminal identification information, the second user identification data, the terminal identification data assigned to the user terminal,
A mobile payment service for receiving application program specific data of a predetermined length generated by combining application program identification data uniquely mapped to the user specific data as the application program specific information and the number of times the application program is installed by the user system. The method of claim 3,
The user authentication unit may include:
Wherein the user specific data received from the user terminal matches the user specific data stored in the storage unit and the terminal unique information received from the user terminal is stored in the storage unit, And notifies the payment processing unit of the authentication success of the user when the application program specific data received from the user terminal coincides with the application program specific data stored in the storage unit. The method of claim 3,
The user authentication unit may include:
The method according to claim 1, further comprising the steps of: when the application program is installed in the user terminal, causing the user to perform a new user authentication through an authentication authority; and when the new user authentication is successful, Update mobile payment service delivery system. The method according to claim 1,
The settlement processing unit comprises:
Wherein the transaction settlement means receives a message from the user terminal to select the transaction settlement means to be used for the transaction among the settlement means and performs processing for settlement of the transaction amount with the transaction settlement means. The method according to claim 6,
The settlement processing unit comprises:
When the user makes a mobile payment in an offline store, if the authentication is successful, receives a message from the user terminal to select at least one transaction settlement means to be used for the transaction among the payment means,
Generates payment means mapping data mapped to the transaction payment means, and transmits the generated mapping means to the user terminal,
When the user provides the payment means mapping data to the offline store, receives a payment request using the payment means mapping data from the offline store through the communication unit,
A mobile settlement unit that transmits data related to the transaction settlement unit mapped to the settlement unit mapping data to the offline store through the communication unit in response to the settlement request and performs processing for settlement of the transaction amount to the transaction settlement unit; Service delivery system. The method according to claim 6,
The user authentication unit may include:
When the user makes a mobile payment in an online store through a computer, receives an order request from the server operating the online store through the communication unit,
In response to the order request, a message for instructing execution of an application program for mobile settlement to the user terminal,
When the application program is executed in the user terminal, authentication is performed for the user,
The settlement processing unit comprises:
And if the authentication is successful, receiving, from the user terminal, a message for selecting at least one of the payment means from the transaction settlement means to be used for the transaction with the on-line store, Wherein the mobile payment service providing system performs processing. The method according to claim 6,
The user authentication unit may include:
When the user makes a mobile payment in the mobile store through the user terminal, receives an order request from the server operating the mobile store through the communication unit,
When the application program for mobile settlement is executed in the user terminal, authentication is performed for the user,
The settlement processing unit comprises:
And if the authentication succeeds, receiving, from the user terminal, a message for selecting at least one of the payment means from the transaction settlement means to be used for the transaction with the mobile store, Wherein the mobile payment service providing system performs processing. The method according to claim 6,
The settlement processing unit comprises:
Receiving a message for selecting a credit card from the transaction settlement means, receiving, from a card company server responsible for the settlement service of the credit card, a virtual credit card number unique to the transaction to settle the transaction amount using the selected credit card And performs processing for settlement. The method according to claim 1,
The settlement processing unit comprises:
And transmits data to and from the user terminal using a different session key each time a command required for mobile settlement is input from the user during the payment processing. A method of providing a service for mobile payment of a user by a mobile payment service providing system,
Receiving a mobile settlement request for the transaction of the user;
Performing authentication for the user;
Receiving a message for selecting at least one of a plurality of payment means registered for the user from the user terminal when the authentication is successful; And
Performing a process for settlement of a transaction amount with the selected payment means;
The mobile payment service providing method comprising: 13. The method of claim 12,
Performing authentication for the user may include:
Receiving unique application specific information unique to the user, specific information unique to the user terminal, and application program specific to the application program installed in the user terminal for mobile settlement; And
Authenticating a user requesting the mobile settlement based on the received unique information;
The mobile payment service providing method comprising: 14. The method of claim 13,
The step of receiving the unique information comprises:
Receiving user specific data of a predetermined length generated by combining first user identification data generated based on a resident registration number of the user as the user specific information and second user identification data assigned to the user by a mobile communication company;
Receiving operating system data indicating the type and version of the operating system installed in the user terminal, the second user identification data, the terminal identification data assigned to the user terminal, and the operating system data; And
Receiving application program inherent data of a predetermined length generated by combining application program identification data uniquely mapped to the user specific data with the application program specific information and the number of times the application program is installed by the user;
The mobile payment service providing method comprising: 15. The method of claim 14,
Wherein authenticating a user based on the received unique information comprises:
Wherein the user specific data received from the user terminal is identical to the user specific data stored in the storage unit of the mobile payment service providing system, Determining that authentication of the user is successful if the application program specific data received from the user terminal coincides with the terminal specific information stored in the storage unit and matches the application program specific data stored in the storage unit;
The mobile payment service providing method comprising: 15. The method of claim 14,
Before receiving the mobile payment request,
When the application program is installed in the user terminal, processing the user to pass a new user authentication through an authentication authority; And
Updating the number of application program installation times by a corresponding user stored in a storage unit of the mobile payment service providing system when the new user authentication is successful;
The method further comprising: 13. The method of claim 12,
Wherein receiving a message selecting at least one of the plurality of payment means comprises:
Receiving a message from the user terminal to select at least one transaction payment means to be used for the transaction among the payment means when the user makes a mobile payment in an offline store,
The step of performing processing for settlement of a transaction amount with the selected settlement means comprises:
Generating payment means mapping data mapped to the transaction payment means and transmitting the generated mapping means mapping data to the user terminal;
Receiving a payment request using the payment means mapping data from the offline store when the user provides the payment means mapping data to the offline store; And
Transmitting data related to the transaction settlement means mapped to the settlement means mapping data to the off-line store in response to the settlement request and performing processing for settlement of the transaction amount with the transaction settlement means;
The mobile payment service providing method comprising: 13. The method of claim 12,
Wherein receiving a mobile payment request for the user's transaction comprises:
And receiving an order request by a corresponding user from a server operating the online store when the user makes a mobile payment in an online store through a computer,
Performing authentication for the user may include:
Sending a message to the user terminal in response to the order request to induce execution of an application program for mobile settlement; And
When the application program is executed in the user terminal, performing authentication for the user,
Wherein receiving a message selecting at least one of the plurality of payment means comprises:
And receiving, from the user terminal, a message for selecting at least one of the payment means from the transaction settlement means to be used for the transaction with the online store, if the authentication is successful. 13. The method of claim 12,
Wherein receiving a mobile payment request for the user's transaction comprises:
And receiving the order request by the user from the server operating the mobile store when the user makes a mobile payment in the mobile store through the user terminal,
Performing authentication for the user may include:
And performing an authentication for the user when the application program for mobile settlement is executed in the user terminal,
Wherein receiving a message selecting at least one of the plurality of payment means comprises:
And receiving, from the user terminal, a message for selecting at least one of the payment means from the transaction settlement means to be used for the transaction with the mobile store when the authentication is successful. 13. The method of claim 12,
Wherein receiving a message selecting at least one of the plurality of payment means comprises:
Receiving a message for selecting a credit card as the transaction settlement means to be used for the transaction among the payment means,
The step of performing processing for settlement of a transaction amount with the selected settlement means comprises:
Receiving a virtual credit card number unique to the transaction from a card company server responsible for the payment service of the credit card to settle the transaction amount using the selected credit card, Service delivery method. 13. The method of claim 12,
The step of performing processing for settlement of a transaction amount with the selected settlement means comprises:
And transmitting and receiving data to and from the user terminal using a different session key each time a command required for mobile settlement is input from the user during the processing for payment. A computer-readable recording medium,
A recording medium on which a program for executing a mobile payment service providing method according to any one of claims 12 to 21 is recorded. 22. A computer program stored in a medium for executing a mobile payment service providing method according to any one of claims 12 to 21 in combination with a computer.
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