KR20160129926A - Systemand method for providing settlement service - Google Patents

Systemand method for providing settlement service Download PDF

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Publication number
KR20160129926A
KR20160129926A KR1020150050351A KR20150050351A KR20160129926A KR 20160129926 A KR20160129926 A KR 20160129926A KR 1020150050351 A KR1020150050351 A KR 1020150050351A KR 20150050351 A KR20150050351 A KR 20150050351A KR 20160129926 A KR20160129926 A KR 20160129926A
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KR
South Korea
Prior art keywords
information
card
terminal
user
transaction
Prior art date
Application number
KR1020150050351A
Other languages
Korean (ko)
Inventor
박경양
Original Assignee
주식회사 하렉스인포텍
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Application filed by 주식회사 하렉스인포텍 filed Critical 주식회사 하렉스인포텍
Priority to KR1020150050351A priority Critical patent/KR20160129926A/en
Publication of KR20160129926A publication Critical patent/KR20160129926A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing

Abstract

The present invention relates to a system and a method to provide a payment service through a 2-channel authentication method using a portable terminal of a user and a card reader infrastructure through a magnetic field. According to an embodiment of the present invention, the payment service providing includes: a terminal generating and transmitting pre-stored user card information as a magnetic field; a card reader receiving the magnetic field from the terminal to receive the user card information, and transmitting an approval request signal; and a server receiving the approval request signal to transmit the signal to the terminal, and transmitting approval request information when authentication is completed from an input signal of the terminal.

Description

Technical Field [0001] The present invention relates to a system and a method for providing a payment service,

The present invention relates to a system and method for providing a payment service using a two-channel authentication method using a card reader infrastructure and a user portable terminal using a magnetic field.

A technology for providing a card settlement service utilizing a card reader infrastructure according to the related art is a technology in which a terminal (POS, Point On Sales Terminal) of a card merchant reads a user's credit card or debit card, Or to a financial institution.

However, according to the related art, there is a problem in that the terminal or server of the card merchant shop may leak the card information, and there is a great problem of card misuse due to the outflow of the card information due to hacking or the like on the network between the card merchant and the card company . In addition, when the card issuer server itself is hacked, the card information of the user is liable to be leaked.

In order to solve such a problem, a reverse payment method has been proposed in which payment can be made without using real card information at a merchant.

In the reverse payment method according to the related art, a customer who wishes to pay does not deliver the card information to the merchant, but the merchant delivers the payment information to the mobile phone of the customer who desires payment, The payment is made in such a manner that the payment approval is requested.

According to the reverse payment method according to the related art, since the card information is not directly transmitted to the merchant, there is a safe side from the hacking of the network between the merchant terminal or the merchant and the card company, As a result, the threat of hacking to mobile phones is also safe. In addition, since the physical financial information is not used, even if the card information is leaked by hacking against the financial company server, it is possible to prevent the misuse of the card.

In the method of pushing or transferring the payment request information from the terminal of the merchant to the payer's mobile phone, a method of inputting the payer's mobile phone number from the seller's terminal, or transmitting the payer's mobile phone number in the form of a barcode, There is a method in which information is transmitted and a payment method in which a payment person reads payment information from a merchant terminal through an NFC method or a QR code in his or her mobile phone.

However, according to the related art, when the payer informs the clerk of the merchant's office of the mobile phone number, there is a further problem of privacy invasion.

In addition, in order to prevent loss or theft of a credit card, when a physical card replacing a credit card is used to present a physical card to a merchant, when authentication is requested to the user terminal (e.g., The MIN card is recognized by the merchant POS terminal and transaction authentication is requested to the corresponding terminal), the user must possess a real card replacing the credit card, so that the inconvenience of carrying and the problem of loss are expected have.

It is an object of the present invention to provide a payment service providing system and method capable of making a payment approval using only a terminal carried by a user by using a merchant terminal (card reader infrastructure) .

A payment service providing system according to an embodiment of the present invention includes a terminal for generating and transmitting previously stored user card information as a magnetic field, a card reader for receiving a magnetic field from the terminal and receiving user card information, And a server for transmitting the authentication request signal to the terminal upon receiving the signal and transmitting the approval request information when the authentication is completed from the input signal of the terminal.

According to another aspect of the present invention, there is provided a payment service providing method including receiving user card information according to magnetic field information transmitted by a user terminal, receiving a transaction approval request signal including user card information and corresponding transaction information, Transmitting a transaction authentication request signal according to a transaction approval request signal, and generating approval request information from a signal input to the user terminal in response to the transaction authentication request signal, and transmitting the approval request information.

The system and method for providing settlement service according to the present invention transmit and receive only the number information of the user portable terminal without transmitting and receiving the physical card information, receive the card selection information and the password information from the user portable terminal with respect to the transaction information, It is possible to prevent a card information leakage accident caused by hacking to a network or a server.

The system and method for providing a settlement service according to the present invention is effective in preventing illegal use of a credit card by a third party, by transmitting / receiving credit card information and corresponding transaction information of a user and performing transaction authentication therefor.

In addition, according to the present invention, a user transmits card information pre-stored in a portable terminal to a magnetic head of a franchise point terminal in a magnetic field manner, thereby making it possible to make payments or use / accumulate points without having a real card, .

The effects of the present invention are not limited to those mentioned above, and other effects not mentioned can be clearly understood by those skilled in the art from the following description.

1 is a view illustrating an embodiment of utilizing MIN card information using a magnetic field of a payment service providing system according to an embodiment of the present invention.
2 is a diagram illustrating an embodiment of utilizing credit card information using a magnetic field of a payment service providing system according to an embodiment of the present invention.
3 is a flowchart illustrating a method of providing a payment service according to an embodiment of the present invention.
4 is a flowchart illustrating a process of an embodiment using a MIN card of a method of providing a payment service according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention, and the manner of achieving them, will be apparent from and elucidated with reference to the embodiments described hereinafter 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 scope of the invention to those skilled in the art. And is intended to enable a person skilled in the art to readily understand the scope of the invention, and the invention is defined by the claims. It is to be understood that the terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. It is noted that " comprises, " or "comprising," as used herein, means the presence or absence of one or more other components, steps, operations, and / Do not exclude the addition.

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

The present invention relates to a system and method for providing a payment service using a two-channel authentication method, in which a user can approve payment information using his / her portable terminal even if the user does not directly inform his / .

According to the embodiment of the present invention, a terminal carried by a user generates a magnetic field corresponding to pre-stored card information and transmits the generated magnetic field to the magnetic head of the affiliate shop force terminal, whereby a magnetic stripe of a conventional real card It is possible to substitute a method of carrying out authentication by putting it in a charged credit card payment terminal.

That is, the user transmits the card information in a magnetic field using a portable terminal that is always carried without carrying any real card, and performs a two-channel authentication on the card information, thereby providing a payment method Is provided.

Hereinafter, according to the case where the card information transmitted in the magnetic field method is the MIN card information of the user (the card including the user portable terminal number information) and the general credit card information, the payment service providing system according to the embodiment of the present invention And methods will be described separately.

1 is a view illustrating an embodiment of utilizing MIN card information using a magnetic field of a payment service providing system according to an embodiment of the present invention.

As shown in FIG. 1, a payment service providing system according to an embodiment of the present invention includes a terminal 100 for generating and transmitting previously stored user card information as a magnetic field, a terminal 100 for receiving a magnetic field, Receives an approval request signal and transmits an authentication request signal to the terminal 100. When authentication is completed from the input signal of the terminal 100, the authentication request signal is transmitted to the card reader 200 And a server 300 for transmitting data.

The terminal 100 according to an embodiment of the present invention includes a coil loop for generating user card information as a magnetic field and transmitting the same. The coil loop is implemented as a case of the terminal, or a separate coil loop attached to the terminal.

The user card information transmitted in a magnetic field through the terminal 100 according to the embodiment of the present invention is MIN card information and includes phone number information of the terminal 100. [

The magnetic reading unit of the card reader 200 receives the magnetic field and receives the user card information. The card reader 200 receives the approval request generated using the telephone number of the terminal 100 included in the user card information and the corresponding transaction information And transmits a signal to (300).

At this time, the card reader 200 transmits a transaction approval request signal including the amount information, the installment information, and the corresponding transaction information, which is the merchant information, to the server 300.

The transaction information is not limited to this, but when the user performs point accumulation or use at an affiliated store using the terminal 100, the membership information is transmitted.

The server 300 according to the embodiment of the present invention receives the approval request signal from the card reader 200 and receives the authentication request from the van server 310 and the van server 310, And a mobile vanserver 320 for transmitting an authentication request signal including transaction information to the terminal 100.

That is, the mobile vans server 320 transmits an authentication request signal from the vanserver 310 to the terminal 100, and receives transaction confirmation information input to the terminal 100 as a response thereto.

At this time, the transaction confirmation information uses PIN (PIN) input through the terminal 100, biometric information (e.g., pupil recognition information, fingerprint recognition information) for authenticating the user.

The terminal 100 according to the embodiment of the present invention confirms the transaction authentication through a pop-up message according to the received approval request signal, selects at least one payment means such as a credit card, a debit card, And receives transaction confirmation information for the corresponding payment means.

That is, when the terminal 100 receives the authentication request signal, the terminal 100 selects a card to be traded for the corresponding transaction information among the plurality of cards through the user input signal, and performs authentication (password, biometrics, etc. And performs authentication on the corresponding transaction information by performing the transaction.

The server 300 according to the embodiment of the present invention generates approval request information using the payment means and transaction confirmation information transmitted from the terminal 100 and transmits the approval request information to the financial institution server 400. [

The server 300 transmits the approval response information received from the financial institution server 400 to the card reader 200 upon completion of the approval.

According to the embodiment of the present invention, it is possible to replace the prior art in which the physical card is recognized by the magnetic head portion of the card reader, without having to carry the physical card, The card selection information and the transaction confirmation information are received from the terminal 100 and the transaction is approved. Thus, it is possible to prevent the card information from being leaked due to network hacking or server hacking.

The card reader 200 transmits the received user card information to the van server 310. Since the user card information (phone number of the user portable terminal) is not displayed on the card reader 200, Privacy protection is possible.

2 is a diagram illustrating an embodiment of utilizing credit card information using a magnetic field of a payment service providing system according to an embodiment of the present invention.

2, according to an embodiment of the present invention, a card reader 200 that receives user card information upon receiving a magnetic field from a terminal and transmits a transaction approval request signal, And a mobile authentication server 420 that transmits a transaction authentication request signal to the terminal 100 and transmits approval request information to the financial institution server 400 when the transaction authentication is completed from the input signal of the terminal 100. [

According to the embodiment of the present invention, the user card information transmitted in the magnetic field scheme is general credit card information, and the card reader 200 receives the credit card information, the money information, the installment information, And transmits a transaction approval request signal including transaction information to the van server 310.

The vanserver 310 receives a transaction approval request signal from the card reader 200 and transmits an approval request to the financial institution server 400. The financial institution server 400 acquires credit card information And transmits an authentication request command signal for the transaction to the mobile authentication server 420.

In response to the authentication request command signal, the mobile authentication server 420 transmits the credit card information and corresponding transaction information to the user portable terminal telephone number, requests transaction authentication, and transmits the transaction confirmation information (For example, password, biometrics information, etc., can be utilized) to the financial institution server 400.

The mobile authentication server 420 is a server that performs mobile authentication using card information of a plastic credit card, and is a server operated by a card company, a brokerage entrusted by a credit card company, or a financial institution.

That is, according to the embodiment of the present invention, the card reader 200 transmits only the credit card information and corresponding transaction information without receiving the mobile phone number directly from the user, so that the outflow of the mobile phone number corresponding to the user's personal information . ≪ / RTI >

In addition, according to the embodiment of the present invention, the terminal 100 receives the credit card information of the user transmitted in the magnetic field method and the corresponding transaction information for attempting settlement using the credit card information, It is effective to prevent illegal use of the credit card by the user.

This applies not only to credit cards, but also to financial service cards such as bank debit cards, check cards, prepaid cards, and gift cards.

That is, the payment service providing system according to the embodiment of the present invention uses financial service card information such as bank debit card information, check card information, prepaid card information, and gift card information of a user requesting transaction authentication, And receives transaction information for attempting settlement, and performs transaction authentication on the transaction information.

3 is a flowchart illustrating a method of providing a payment service according to an embodiment of the present invention.

(S100) of receiving user card information according to magnetic field information transmitted by a user terminal according to an embodiment of the present invention, receiving a transaction approval request signal including user card information and corresponding transaction information, A step S200 of transmitting a transaction authentication request signal according to a request signal, a step S300 of determining whether transaction authentication is performed, generating approval request information from a user input signal when transaction authentication is performed, and transmitting the approval request information S400 ).

In operation S100, a transaction approval request signal including transaction information including user portable terminal number information, amount information, installment information, and merchant information transmitted from a terminal in a magnetic field is received. In operation S300, When the payment means information for the transaction information and the password information for the payment means are input, the step S400 generates approval request information using the information and transmits the approval request information.

As another example, when receiving a transaction approval request signal including credit card information transmitted from a terminal in a magnetic field manner in step S100, a transaction authentication request signal including credit card information and corresponding transaction information is transmitted in step S200, In step S400, authorization request information including transaction confirmation information (password, biometrics information) of the credit card to be acquired in response to the transaction authentication request signal is generated and transmitted.

4 is a flowchart illustrating a process of an embodiment using a MIN card of a method of providing a payment service according to an embodiment of the present invention.

The merchant's force terminal 200, which is a card reader, receives telephone number information of a user portable terminal transmitted in a magnetic field through a terminal (S10), and transmits payment request information for the transaction information (S11).

The mobile vans server 320 receiving the payment request information stores the corresponding payment request information, generates a transaction ID (TID) (S12), and transmits the payment request information To the user terminal in a push (PUSH) notification (S13).

The user terminal 100 operates the payment application and performs connection authentication using an input of an ID and a password (S14), and exchanges payment request information and necessary information with the mobile vant server 320. [

That is, the user terminal 100 receives means information (a credit card, a debit card, a mobile phone micro settlement) for payment of the transaction information, and stores transaction confirmation information (password, biometric information, etc.) (S16), and transmits an approval request to the van server 310 through the mobile van server 320 (S17).

The van server 310 generates an approval text for the approval request (S18), and transmits the approval request text to the financial institution server 400 (S19).

When approval of the transaction is processed in the financial institution server 400 in step S20, the van server 310 returns the approval result from the financial institution server 400 in step S21, (S22, S23, S24), and registers and stores the approval result in the database of the van server (S25).

The embodiments of the present invention have been described above. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

100: user terminal 200: card reader,
300: server 310: van server
320: mobile vans server 400: financial institution server
420: mobile authentication server

Claims (16)

A terminal for generating and transmitting previously stored user card information as a magnetic field;
A card reader for receiving a magnetic field from the terminal, receiving the user card information, and transmitting an approval request signal; And
A server for transmitting an authentication request signal to the terminal upon receiving the approval request signal and for transmitting approval request information when authentication is completed from the input signal of the terminal;
And a payment service providing system.
The method according to claim 1,
The terminal includes a coil loop for generating and transmitting the user card information as a magnetic field
Payment service provision system.
The method according to claim 1,
The magnetic reading unit of the card reader receives the user card information by receiving the magnetic field, and the card reader transmits an approval request signal generated using the number of the terminal included in the user card information and the corresponding transaction information that
Payment service provision system.
The method of claim 3,
The corresponding transaction information includes amount information, installment information, and merchant information
Payment service provision system.
The method of claim 3,
The corresponding transaction information is membership information
Payment service provision system.
The method of claim 3,
The server includes a vanserver receiving the approval request signal and requesting authentication thereof, and a mobile vanserver transmitting the authentication request signal including the corresponding transaction information to the terminal according to an authentication request received from the vanserver Include
Payment service provision system.
The method of claim 3,
The server transmits authorization request information generated using the payment means and user authentication information transmitted from the terminal
Payment service provision system.
The method according to claim 1,
The card reader receives user card information, which is financial service card information, through the magnetic field, adds the transaction information to generate an approval request signal, and transmits the approval request signal
Payment service provision system.
9. The method of claim 8,
The server transmits the received approval request signal to the financial institution server to request approval, and the financial institution server extracts the financial service card information and the matching user terminal number information, and transmits the financial service card information , And transmits an authentication request command signal including the transaction information and the user terminal number information
Payment service provision system.
9. The method of claim 8,
The card reader may add transaction information to the financial service card information which is one of credit card information, bank debit card information, check card information, prepaid card information, and gift card information
Payment service provision system.
(a) receiving user card information according to magnetic field information transmitted by a user terminal, and receiving a transaction approval request signal including the user card information and corresponding transaction information;
(b) transmitting a transaction authentication request signal according to the received transaction approval request signal; And
(c) generating authorization request information from the signal input to the user terminal in response to the transaction authentication request signal, and transmitting the authorization request information
The method comprising the steps of:
12. The method of claim 11,
The step (a) may include receiving the user card information upon receiving the magnetic field information generated through the coil loop disposed in the user terminal
In payment service.
12. The method of claim 11,
The step (a) may include receiving a transaction approval request signal including the user card information, which is the number information of the user terminal, and corresponding transaction information, which is money information, installment information, and merchant information
In payment service.
12. The method of claim 11,
In the step (c), authorization request information including card selection information and authentication information is generated from an input signal input to the user terminal, and the authorization request information is transmitted
In payment service.
12. The method of claim 11,
The step (a) may include receiving a transaction approval request signal including the user card information which is financial service card information
In payment service.
16. The method of claim 15,
The step (a) may include receiving a transaction approval request signal to which transaction information is added to the information of the financial service card, which is a credit card, a bank debit card, a check card, a prepaid card, or a gift card
In payment service.
KR1020150050351A 2015-04-09 2015-04-09 Systemand method for providing settlement service KR20160129926A (en)

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KR1020150050351A KR20160129926A (en) 2015-04-09 2015-04-09 Systemand method for providing settlement service

Publications (1)

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