KR20160136679A - An incorporated method for a easy payment, a system and a computer-readable storage medium therefor - Google Patents

An incorporated method for a easy payment, a system and a computer-readable storage medium therefor Download PDF

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Publication number
KR20160136679A
KR20160136679A KR1020150070554A KR20150070554A KR20160136679A KR 20160136679 A KR20160136679 A KR 20160136679A KR 1020150070554 A KR1020150070554 A KR 1020150070554A KR 20150070554 A KR20150070554 A KR 20150070554A KR 20160136679 A KR20160136679 A KR 20160136679A
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South Korea
Prior art keywords
server
authentication code
service provider
payment
user
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KR1020150070554A
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Korean (ko)
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KR101773557B1 (en
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고대식
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주식회사 케이에스넷
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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
    • G06Q20/08—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
    • G06Q20/30—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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices

Abstract

The present invention relates to a method for an easy payment, a system, and a computer-readable storage medium therefor, which enhances user convenience through a matching method between respective parties on a system constituted by a merchant device, a server of a payment service provider, a server of a FinTech and an electronic payment service provider, and a user terminal.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an integrated payment method and system, and a computer-readable storage medium for the same. BACKGROUND OF THE INVENTION 1. Field of the Invention < RTI ID =

The present invention relates to an integrated simple payment method and system, and a computer-readable storage medium therefor. More particularly, the present invention relates to a merchant device, a server of a payment agent service provider, a server of a PIN tech and an electronic payment service provider, And a computer-readable storage medium for the same. 2. Description of the Related Art

When a customer purchases a commodity such as a product or service in an offline store and then makes a payment using a payment method provided by a financial company such as a credit card or a check card, (POS terminal, card settlement agency terminal) of the merchant. In case of payment at the online store, the card number, the expiration date of the card, the CVC number and the like related to the credit card, The method of settlement through the steps was the traditional card payment method.

As one of techniques for improving the conventional payment method, recently, fintech is emerging. This is a compound word of finance and technique, which is a finance, This means providing financial services in various fields such as remittance, settlement and asset management by utilizing a highly accessible Internet and mobile-based platform. The areas of FinTech are the market, mobile payment and remittance, personal wealth management, and cloud funding.

FinTech, which provides financial services to mobile terminals, is divided into traditional banking (transfer, transfer, etc.), financial data analysis, payment settlement, and financial asset management.

Among these PINTECHs, when an individual user, that is, a customer, wants to settle a certain service or goods at an offline store or an online store, the merchant uses a payment agent (for example, a VAN company) The payment system is intended to make payment using an application program or application of a convenient or useful pin-tec service provider. In essence, the means by which the payment is made is a credit card or an account of a financial company. There is a technical limitation that it can not be used, and there is a limitation in that a simple settlement for PINTECH can not be commercialized.

In addition to the above-mentioned problems, various conventional technical literatures exist to activate the simple settlement. Korean Patent Laid-Open Publication No. 10-2014-0026186 discloses a method in which when a payment request is received from a user terminal, the user identification information corresponding to the identification information of the user terminal matches the user identification information registered at the time of service submission, And if it is determined whether or not the identification information of the user terminal matches the terminal identification information registered at the time of service submission, the identification information of the terminal is mapped with the identification information of the terminal to transmit the stored card information to the user terminal, And the payment is made. Accordingly, it is possible to make non-face-to-face settlement and reduce the possibility of exposure of credit card information, but there is still a limit to solve the above-mentioned problems.

[1] Korean Patent Laid-Open Publication No. 10-2014-0026186 (entitled " Easy payment method using a user terminal " [2] Korean Patent Laid-Open Publication No. 10-2013-0089216 (entitled "Simplified Payment Method Using Mobile Terminal")

February 5, 2015, Hana Bank - Next Cakao to enter joint venture with Pintech (http://www.etnews.com/20150205000101)

The present invention provides a simple payment method, system, and computer readable storage medium on which a simple authentication method and an approval procedure are simplified for each subject such as a franchisee, a user, and the like, The purpose.

As a first aspect according to the present invention, an integrated simple payment method is disclosed. The simple settlement method includes: requesting authentication of a user using a product or service from a merchant's device to a server of a settlement agent service provider at an affiliated store; Determining whether to authenticate the user at the server of the settlement service provider, generating a first authentication code if the user is determined to be an authenticated user, and transmitting the first authentication code to the merchant's device; Transmitting a second authentication code input from the user terminal to the server of the electronic payment service provider from the user terminal via a fintech; Transmitting a second authentication code from a server of the PIN tech and an electronic settlement service provider to a server of the settlement service provider; Setting a state of falsehood when the first authentication code and the second authentication code match in the server of the payment agent service provider; And transmitting information on the false state to the user terminal and the merchant device, respectively.

Meanwhile, in the method, the step of setting the state of false acceptance in the server of the settlement agent service provider includes the steps of: requesting the merchant device for the merchant identification information for the merchant device and the price information of the goods or service; Requesting additional information of the user to the user terminal; Receiving the merchant identification information and the price information from the merchant device; And receiving additional information of the user from the user equipment.

According to a second aspect of the present invention, a computer-readable storage medium storing a computer program for a simple payment method is disclosed. The computer program comprising instructions for requesting a user using a merchandise or service at an merchant to authenticate the merchant from a device of the merchant to a server of a payment agent service provider; Determining whether or not to authenticate the user at the server of the payment agent service provider, generating a first authentication code if the user is determined to be an authenticated user, and transmitting the first authentication code to the merchant's device; Instructions for transmitting a second authentication code from the user terminal to a server of a PIN tech and an electronic payment service provider from the user terminal; Instructions for transmitting a second authentication code from the server of the electronic payment service provider to the server of the payment service provider; Setting a state of falsehood when the first authentication code and the second authentication code match in the server of the payment agent service provider; And a command for transmitting information regarding the false state to the user terminal and the affiliate shop device, respectively.

As another embodiment, a third aspect of the present invention discloses a simple settlement integration system, wherein the system comprises: (1) requesting authentication of a user using a goods or service at a merchant to a server of a payment agent service provider Merchant equipment; A server of a payment agent service provider which determines whether or not to authenticate the user, generates a first authentication code when the user is determined to be an authenticated user, and transmits the first authentication code to the merchant device; (3) a user terminal for identifying the second authentication code from the input means and transmitting the identification code to a server of the PIN tech and the electronic settlement service provider; And (4) a server of a PIN tech and an electronic settlement service provider receiving the second authentication code and providing the same to a server of the settlement agency service provider. In this system, the server of the payment agent service provider determines whether or not the first authentication code and the second authentication code coincide with each other, and sets the first authentication code and the second authentication code to a false- And transmits information about the false state to the user terminal and the affiliate store device, respectively.

In the above-described first to third aspects, the user terminal is capable of executing an application program or an application capable of interfacing with the server of the PINTECH and the electronic payment service provider, and may refer to at least one of a smart phone, a tablet PC, have.

In the above-described first to third aspects, the first authentication code and the second authentication code may be capable of being encoded and decoded so as to be output in a three- to six-digit code in the user terminal.

According to the present invention, in a conventional simple settlement market where the merchant and the user use different platforms, interfaces, and application programs, the actual settlement can not be performed. In the conventional simple settlement market, Integration can be implemented.

Compared with the way in which simple settlement is operated by each business entity, PinTech and the electronic payment market are introduced by offering a simple settlement method that can be interworked between a payment agent terminal that is already installed, And the ability to progressively activate it.

Further, those skilled in the art will appreciate that the effects of the present invention are not limited to the above-described matters, but can be more widely accepted.

1 illustrates a simplified simplified billing system in accordance with an embodiment of the present invention.
2 is a conceptual diagram of a simple settlement method performed in the simple settlement system according to an embodiment of the present invention.
Figure 3 shows a flow diagram of an integrated easy payment method, in accordance with another embodiment of the present invention.
4 is a flow chart of a method performed between components of a simple settlement system as another embodiment of the present invention.
5 is an exemplary configuration diagram of a user terminal constituting a simple payment system according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to an integrated simplified payment method and system, a computer readable storage medium according to an embodiment of the present invention, with reference to the accompanying drawings. The present invention is susceptible to various modifications, changes and variations, as defined by the appended claims.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS In describing embodiments of the present invention, detailed description thereof will be omitted when it can obscure the gist of the present invention due to the description of specific configurations, steps, and features. ≪ / RTI > It is to be understood, however, that such description is not intended to limit the invention to the particular embodiments, but includes modifications, variations, alterations, and equivalents which fall within the spirit and scope of the invention.

It is to be understood that the present invention is intended to cover more than one form unless expressly specified to the contrary by the singular forms herein. For example, although the user terminal in the simple payment method and system, the server of the settlement service provider, the pintech, and the server of the electronic settlement service provider are each described in the form of singular, they are plural.

Also, in this specification, the term " comprises " means that a corresponding feature, step, attribute, configuration, or component exists, And does not preclude the presence or addition of one or more other features, attributes, configurations, components, and combinations thereof. And the word "exemplary" is used herein to mean "serving as an example, instance, or illustration," and that the "exemplary" aspects are to be understood as preferred or advantageous over other aspects It will not be.

1 shows a simplified simplified payment system according to an embodiment of the present invention in which a merchant device 10, a user terminal 20, a pin tech and an electronic payment service server 30, And an agent server 40.

The merchant device 10 may request the authentication of the user using the goods or service at the offline merchant (or optionally including the online merchant) to the server of the payment agent service provider. For example, the merchant device 10 may be a point-of-sale (POS) terminal, a personal computer (PC), a tablet PC, or the like which can collectively function as a credit card payment terminal function, a cash receipt issuing function, a calculation and settlement function, But it may be a wired or wireless communication device capable of performing the above-described functions that can be used in a business place or an affiliated shop.

The user terminal 20 refers to a personal electronic communication device capable of performing an information communication function without being limited to the name or type of product such as a mobile phone, a mobile phone, a subscriber terminal, a personal terminal, a tablet PC, a smart phone, a PDA, can do. However, the user terminal 20 constituting the integrated simple payment system according to an embodiment of the present invention may download an application program or an application provided by a provider or a principal of the PINTECH and the electronic payment service server 30, Means an electronic communication device executable in the terminal.

4, the user terminal 20, which is an electronic communication device, includes a system on chip (DSP) including a digital signal processor (DSP) 202 and an analog signal processor 203, . The system-on-chip is coupled to the display / touch screen 216 outside the system-on-chip by at least a portion of the components that make up the system-on-chip, and to the vibration sensor 221 and the headset 222. The driving power source on the system-on-chip is provided from the power source unit 201 and the digital signal processor 202 includes a memory 204, a SIM 205, a camera 206, a video CODEC 208, a touch screen controller 216, And is connected to the display controller 210.

The PINTECH and electronic settlement service server 30 can be used in the present invention to provide PINTECH (i.e., financial services based on information communication technologies such as mobile payment and remittance, personal asset management, cloud funding, etc.) Technology, and electronic payment services. For example, KakaoPay, ApplePay, and KakaoPay commercialized in Korea as of 2015, and commercialization in China. And Ali Pei, who is starting to enter other countries.

The payment agency server 40 refers to a server provided by a payment agency affiliated with an existing merchant device in view of a payment method (a method of reading a real card itself to a payment terminal) for a credit card or a check card in the past. Specifically, the credit card industry in the Republic of Korea has a credit card transaction approval service, DDC service, and automatic purchase (EDI) service for the purpose of processing the approval and purchase process in the three-party structure of the customer ) Service, a digital signature (DESC) service, a cash receipt service, and the like.

2 is a conceptual diagram of a simple settlement method performed in the simple settlement system according to an embodiment of the present invention.

For the user using the merchandise or service at the merchant, the merchant device 10 requests the server 40 of the settlement service provider to authenticate the user. The server 40 of the settlement service provider determines whether or not the user is authenticated, and if the user is determined to be an authenticated user, the server 40 generates a first authentication code and transmits the first authentication code to the affiliated shop device 10.

On the other hand, the second authentication code input from the user terminal 20 is transmitted from the user terminal 20 to the server 30 of the PINTECH and the electronic settlement service provider, and transmitted to the server 30 of the PINTECH and the electronic settlement service provider, The second authentication code is transmitted to the server 40 of the payment agent service provider.

The server 40 of the payment agent service provider who has received the second authentication code confirms that the first authentication code transmitted to the merchant device 10 matches the PIN authentication and the second authentication code received from the electronic payment service server 30 , It is set to the false state.

If the status is set to be false, the flag is transmitted to the user terminal and the affiliate shop device, respectively, or a flag indicating the fact that the status is set to be false. That is, when the respective authentication codes are matched, the user who owns the user terminal 20 can process the payment information according to the use of the goods or services used by the merchant equipped with the merchant device 10 as being calculated.

Figure 3 shows a flowchart of an integrated simple payment method, in accordance with an embodiment of the present invention.

In the first step, the merchant device 10 requests authentication from the merchant device 10 to the server 40 of the payment agent service provider (step S11). When the authentication request is made, for example, the information on the user terminal 20 is read from the merchant device 10, or a part of the information is input, so as to authenticate the server 40 of the payment agent service provider Can be requested.

In the second step, the server 40 of the payment agent service provider determines whether or not the user is authenticated, and if the user is determined to be the authenticated user, the first authentication code is generated and transmitted to the merchant's device 10 S12).

In the third step, the second authentication code recognized by the user terminal 20 is transmitted from the user terminal 20 to the PIN tech and the server 30 of the electronic settlement service provider (step S13). The second authentication code can be identified in the user terminal 20 by the input means of at least one of a touch pad, a keypad, a touch screen, and a display and a microphone.

In steps S12 and S13, the first and second authentication codes are encoded and output so as to be output in a 3-digit to 6-digit code in an output means (e.g., a display unit or the like) of the affiliate store device 10 or the user terminal 20 Decodable. As an example, the first and second authentication codes may be 4-digit codes that are output as numerals only, such as '3241', and / or may extend to alphanumeric case as well as numbers such as '1bs155' It can be any n-digit code format that is represented.

In step 4, the server 30 of the PIN tech and electronic settlement service provider transmits a second authentication code to the server 40 of the settlement service provider (step S14), and in the fifth step, If the first authentication code and the second authentication code match in step S15, the server of the settlement service provider waits for the first approval state and requests authentication of the user from the server of the financial company in step S15.

In the fifth step, the 'first approval status' means that the first authentication code generated by the server 40 of the payment agent service provider is the same as the second authentication code entered by the user terminal 20, Therefore, it can be understood as a preliminary state that the final payment can be made from the user's own financial account according to the user terminal 20 to the merchant.

In a sixth step, if the status of the user is available in the server 50 of the financial company, the user authentication is approved and the authentication approval signal is transmitted to the server 40 of the payment agent service provider in step S16.

In step 7, the server 40 of the payment agent service provider switches the primary approval status to the secondary approval status and notifies the server 30 of the PINTECH and the electronic payment service provider of the final approval (step S17) The integrated simple payment method according to the present invention can be performed.

FIG. 4 is a flow chart of a method performed between elements of a simple settlement system as an embodiment of the present invention, and is intended to describe the matters described in FIGS. 1 to 3 in a comprehensive manner.

When the merchant device 10 requests authentication from the payment agent server 40 in step S10, the payment agent server 40 transmits the first authentication code to the merchant device 10 in step S20.

After the first authentication code is effectively received by the merchant device 10, the second authentication code is identified by the input means of the user terminal 20 (step S30) 30 and the settlement proxy server 40 or transmits them to the settlement proxy server 40 via the PINTECH and the electronic settlement service server 30 in step S40.

The settlement proxy server 40 determines whether the first authentication code generated therefrom and the second authentication code identified from the user terminal 20 coincide with each other in step S50, (Step S60), and receives final approval from the financial company server 50 (step S70).

This final approval is forwarded or delivered to the merchant device 10, the user terminal 20, and the PIN tech and the electronic settlement service server 30, respectively, by the payment agent server 40 (step S80) A simple payment method integrated on the Internet is performed.

According to the present invention described above, in the existing simple settlement market where the merchant and the user use different platforms, interfaces, and application programs to limit actual settlement, System can be implemented in a unified manner, and thus, the pin-tec and the electronic settlement market can be significantly activated.

Steps, processes, logic blocks, means, steps, or combinations thereof, in connection with the embodiments described herein may be implemented as electronic hardware (digital designs designed by coding or the like), software Or a combination thereof). Hardware, and / or software may vary depending on design constraints imposed on the user terminal. In addition, the functions described herein may be implemented by hardware, software, firmware, or a combination thereof. When executed by software, the function may be stored on or transmitted via a computer-readable storage medium as one or more instructions or code. Computer-readable storage media generally refers to any available media that can be accessed by a computer.

Although the description herein has been made in some illustrative aspects, various modifications and variations can be made from the categories defined by the following claims, and the technical scope of the invention is defined in the following claims It should be decided by.

10: merchant device
20: User terminal
30: Pin Tech, Electronic Payment Service Server
40: Payment Agent Server

Claims (9)

Requesting a user using a merchandise or a service from a merchant's device to a server of a payment agent service provider from an affiliate store;
Determining whether to authenticate the user at the server of the settlement service provider, generating a first authentication code if the user is determined to be an authenticated user, and transmitting the first authentication code to the merchant's device;
Transmitting a second authentication code input from the user terminal to the server of the electronic payment service provider from the user terminal via a fintech;
Transmitting a second authentication code from a server of the PIN tech and an electronic settlement service provider to a server of the settlement service provider;
Setting a state of falsehood when the first authentication code and the second authentication code match in the server of the payment agent service provider; And
And transmitting information about the beacon status to the user terminal and the merchant device, respectively
/ RTI >
Integrated easy payment method.
The method according to claim 1,
Wherein the user terminal is capable of executing an application program or an application capable of interworking with the server of the electronic payment service provider.
Integrated easy payment method.
3. The method of claim 2,
Wherein the first authentication code and the second authentication code are capable of being encoded and decoded so as to be output in a 3 to 6-digit code in the user terminal,
Integrated easy payment method.
The method of claim 3,
Wherein the setting of the false-positive status in the server of the payment agent service provider comprises:
Requesting the merchant device for merchant identification information on the merchant device and price information of the merchandise or service;
Requesting additional information of the user to the user terminal;
Receiving the merchant identification information and the price information from the merchant device; And
Receiving additional information of the user from the user equipment
≪ / RTI >
Integrated easy payment method.
A computer-readable recording medium having recorded thereon a computer program for performing the method recited in any one of claims 1 to 4.
A merchant device that requests authentication from a server of a payment agent service provider to a user using a product or service at an affiliated store; A server of a payment agent service provider for determining whether to authenticate the user, generating a first authentication code when the user is determined to be an authenticated user, and transmitting the first authentication code to the merchant device; A user terminal for identifying a second authentication code from an input means and transmitting the second authentication code to a server of a PIN tech and an electronic settlement service provider; And a server of a PIN tech and an electronic settlement service provider receiving the second authentication code and providing the same to a server of the settlement agency service provider,
Wherein the server of the payment agent service provider determines whether or not the first authentication code and the second authentication code coincide with each other,
If the first and second authentication codes match, set the false authentication state,
And transmits information about the falsehood state to the user terminal and the affiliate shop device, respectively,
Easy payment integration system.
The method according to claim 6,
Wherein the input means capable of identifying the second authentication code is at least one of a keypad, a display on which a touch screen function is mounted, or a voice recognition unit via a microphone.
Easy payment integration system.
8. The method of claim 7,
Wherein the user terminal is capable of executing an application program or an application capable of interworking with the server of the electronic payment service provider.
Easy payment integration system.
9. The method of claim 8,
Wherein the first authentication code and the second authentication code are capable of being encoded and decoded so that the user terminal can output the code in three to six digits.
KR1020150070554A 2015-05-20 2015-05-20 An incorporated method for a easy payment, a system and a computer-readable storage medium therefor KR101773557B1 (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112232811A (en) * 2020-10-12 2021-01-15 中钞信用卡产业发展有限公司 Method and system for reducing offline payment risk

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100524526B1 (en) 2003-05-29 2005-10-31 에스케이 텔레콤주식회사 Secure payment settlement method and system in wireless internet

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112232811A (en) * 2020-10-12 2021-01-15 中钞信用卡产业发展有限公司 Method and system for reducing offline payment risk
CN112232811B (en) * 2020-10-12 2023-10-24 中钞信用卡产业发展有限公司 Method and system for reducing offline payment risk

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