KR20170013584A - System, server and method of providing smart touch-pay - Google Patents

Abstract

The present invention relates to a system, a server, and a method for providing a smart touch-pay service. The present invention includes: a multi-member NFC chip for transmitting member store identification information or product information; a plurality of customer terminals for displaying payment approval; and a smart touch-pay service providing server for reading and transmitting selection item information to a user. According to the present invention, the present invention can effectively supply the convenience of a customer, who uses a mobile communication terminal small payment service, and the convenience of a member store.

Description

[0001] The present invention relates to a smart touch pay service providing system, a server and a method,

The present invention relates to a system, a server and a method for providing a smart touch pay service, and more particularly, to a smart touch pay service providing system, a server and a method thereof, Server, and a method for providing a Smart Touch Pay service by simply paying for NFC (Near Field Communication) chip recognition.

In order to pay various fees, various kinds of utility bills, cable TV subscription fees, broadband internet usage fees, etc. are paid by the consumer directly to the bank through giro, or through a financial institution. Or at least use a financial institution, so that there was a hassle of using a financial institution. Accordingly, in the case of a mobile financial transaction using a smart phone, there is an advantage that it is possible to carry out a financial transaction conveniently and conveniently at any time, anywhere, so that a mobile financial transaction (ie, smartphone banking) There are also observations that it will overtake financial transactions on the Internet.

Although regulations on the use of official certificates have eased in the course of online banking (Internet banking), official certificates will continue to be used as an important means of authenticating users in domestic online financial transactions. However, as with general PCs, smartphones can freely download and install the application programs they want, so there is a security risk that can be hacked by programs that contain malicious code like ordinary PCs.

Various research and development have been carried out in order to solve the security problem. One of them is a technology for saving the electronic certificate in the mobile communication terminal to simplify the communication processing procedure with the authentication server and improve the security. However, in the case of carrying out such a mobile phone settlement authentication, the relay module includes a process of transmitting the certificate number of the specific electronic certificate, the password received from the user, and transaction information to the mobile safe settlement applet, This is a security vulnerability.

Korean Patent Laid-Open Publication No. 10-2015-0025392 (registered on Jul. 31, 2013) discloses a personal identification and a micropayment authentication system using the smart card authentication server and a method thereof. In the smart card authentication server, In the authentication system, customer information including mobile communication company identification information, a mobile device identification number, and a prefix of a resident registration number is input from a user and transmitted to a PG company server together with micro payment request information and received from a payment authentication application server in a form of PUSH A client which transmits the digits of the resident registration number in response to a request for inputting the resident registration number and receives the micro settlement completion information from the PG company server; If the client is a payment capable client by verifying the mobile communication device identification information and the mobile communication device identification information included in the customer information and the micropayment request information received from the client, the mobile communication device transmits the mobile communication device identification information and the mobile device identification number to the payment authentication application server, Receives the encrypted resident registration number and authentication confirmation completion information from the authentication app server, matches the back of the resident registration number received from the payment authentication application server and the resident registration number received from the client, and transmits the matching resident registration number to the authentication server A PG server for transmitting the micro settlement completion information received from the mobile communication company authentication server to the client; Transmits a request for inputting a back seat of a resident registration number to the client corresponding to the mobile communication device identification number and the mobile communication device identification information included in the customer information received from the PG company server in the form of PUSH to receive the back address of the resident registration number, To the smart card authentication server, receives the authentication confirmation completion information, encrypts the back address of the resident registration number received from the client and authentication confirmation completion information received from the smart card authentication server, and transmits the small payment request A billing authentication app server for transmitting to the PG company server together with the transaction number corresponding to the information; And a smart card that generates authentication completion information and transmits the information to the payment authentication application server when the stored user media information (USIM identification number or smart card identification number) matches the authentication confirmation request information received from the payment authentication application server And an authentication server. According to the disclosed technology, security of the illegal mobile phone is prevented by preventing the illegal mobile phone settlement by payment authentication and personal authentication, preventing damage to customers through illegal transactions such as smishing, reducing messaging sending costs Protects personal information and property from damage caused by information leakage, prevents forgery and falsification of apps and illegal use of USIM, prevents hacking accidents caused by phishing or smashing, Strengthening the safety and security of transactions.

Korean Patent No. 10-0535923 (published on November 11, 2001) discloses various charges, such as various utility bills, cable TV reception charges, and high-speed Internet usage fees, which have been paid through giro and other methods, Discloses a micropayment method using a mobile phone that can be added to monthly billing and receipt of a mobile phone bill by the time of termination of a customer. According to the disclosed technology, when the customer makes an application for automatic charging of the mobile phone charge, when the CATV customer information server requests the mobile phone company to confirm the mobile phone subscriber information via the mobile phone micro settlement service gateway server, the mobile phone micro payment service gateway server Requesting the mobile communication company authentication server to confirm mobile phone subscriber information; A step of notifying that the cellular subscriber identity information is confirmed to the CATV customer information server by the mobile subscription service gateway server when it is notified that the cellular phone registration personal information matches from the mobile communication company authentication server; Requesting the mobile phone settlement service gateway server to transmit the authentication key value of the mobile phone user to the mobile communication company authentication server; The customer who receives the SMS authentication key value notifies the CATV customer information server that the authentication key value has been confirmed, and automatically charges the cellular phone billing service gateway server based on the data that the CATV customer information server confirms that the customer is the automatic charging customer Requesting, by the mobile payment service gateway server, the confirmation of the mobile subscriber identity information and the settlement amount to the mobile communication company authentication server; When the mobile communication company authentication server confirms and informs the mobile phone subscriber information and the settlement amount, the mobile phone micro settlement service gateway server requests the mobile communication company authentication server for the CATV fee charging; When the mobile communication company authentication server transmits an SMS notification of the automatic charging result of the monthly CATV charge after charging and stores the charging information in the customer data server of the mobile communication company and then notifies the mobile phone settlement service gateway server that the charging is completed, The service gateway server storing the billing information in the customer transaction information storage server; And the step of notifying the CATV customer information server of the completion of the billing for the month by the gateway server of the microcontent settlement service of the cellular phone. Thus, the customer is required to use the bank every month And the service provider can reduce the costs such as the giro paper, the mailing cost, the retransmission cost due to the late fee, and other management costs.

According to the conventional technology as described above, when a customer wants to pay a payment amount corresponding to the purchase or use of a product (or a service, etc.) through online or offline, the merchant (or service) The payment process is still complicated due to the completion of payment through approval of the customer, and the payment process is still complicated by the customer's approval, and the merchant and the customer The disadvantages of this method are many. In addition, even when a small payment service through the mobile communication terminal is used, the customer has to input a lot of information such as the mobile communication device identification information, the mobile device identification number, and the first digit of the resident registration number, There was an inconvenience to input this directly.

Korean Patent Publication No. 10-2015-0025392 Korean Patent No. 10-0535923

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned drawbacks and disadvantages, and it is an object of the present invention to provide a mobile communication system, A server and a method for providing a smart touchpay service, which is implemented to easily settle an NFC chip by using a terminal.

According to one aspect of the present invention, there is provided a means for solving the above-mentioned problems, wherein a merchant store identification information or merchandise information is stored, and a plurality of merchant store NFC chips for transferring merchant store identification information or merchandise information according to an information request command ; An information request command is generated and transmitted to the merchant NFC chip to receive and display merchant identification information or merchandise information from the merchant NFC chip, to confirm a payment request through the input means, to generate and transmit a payment request signal, A plurality of customer terminals for receiving a payment approval notification signal and displaying payment approval; Receives the settlement request signal from the customer terminal, confirms the merchant identification information, the merchandise information and the customer identification information, registers the merchant identification information and the merchandise information for each customer identification information, generates and transmits a payment approval request signal, And transmits a payment approval notification signal to the customer terminal. Upon receipt of the operator access request signal, the operator authentication information is checked to check whether or not the same is identical to the registered operator authentication information, A smart touch pay service providing server for reading and transmitting main screen information, receiving a selection item request signal, reading and transmitting selection item information corresponding thereto, and transmitting the selected item information; Receives a settlement approval request signal from the smart touchpage service providing server, checks the merchant identification information, the merchandise information and the customer identification information, checks the financial information of the merchant corresponding to the merchant identification information, and checks whether the merchant is a legitimate merchant A financial settlement server for checking financial information of the customer corresponding to the customer identification information to check whether the customer is a valid customer, performing payment, generating a payment approval signal, and transmitting the payment approval signal to the smart touch fee service providing server; And inputting operator authentication information through the input means and a server connection request, generating an operator access request signal, transmitting the operator access request signal to the smart touch pay service providing server, and transmitting the operator main screen information from the smart touch fee service providing server Receives the selection item request signal from the smart touch fee service providing server, generates a selection item request signal by confirming a request for the selection item through the input means, And a plurality of operator terminals for receiving and displaying the smart touch pay service.

In one embodiment, the customer terminal comprises a smart touch-pad application and an NFC modem for recognizing the merchant's NFC chip. The smart-phone application executes a smart-touch-pay app by confirming an application execution request with input means, And recognizes the NFC chip recognition by driving the NFC modem.

In one embodiment, the customer terminal transmits a settlement request signal to the smart touchpage service providing server, receives a request message from the SMS center, displays an input window and an SMS authentication number, receives an SMS authentication number An SMS authentication request signal is generated and transmitted to the smart touch pay service providing server, and then the payment acceptance notification signal is received from the smart touch fee service providing server.

In one embodiment, the customer terminal confirms the payment history request through the input means, generates a payment history request signal including the customer identification information stored in the internal memory, transmits the payment history request signal to the smart touch fee service providing server, And receiving and displaying the payment history information from the touch-pad service providing server.

In one embodiment, the customer terminal confirms an application execution request through the input means, executes a smart touch pay app installed in the internal memory, and displays the payment start screen information transmitted from the smart touch pay service providing server And displays an initial screen.

In one embodiment, the customer terminal recognizes the merchant NFC chip through an NFC modem or recognizes a code installed in the merchant through camera means, and automatically confirms the code of the merchant.

In one embodiment, the customer terminal displays a payment progress screen in accordance with the payment progress screen information transmitted from the smart touchpage service providing server when the goods information is input on the payment initial screen.

In one embodiment, when the payment information is input on the payment progress screen, the customer terminal displays an approval number input screen according to the approval number input screen information transmitted from the smart touch fee service providing server.

In one embodiment, when the approval number is input on the approval number input screen, the customer terminal displays a payment completion screen according to the payment completion screen information transmitted from the smart touch fee service providing server.

In one embodiment, the smart touchpage service providing server confirms whether the merchant is a legitimate merchant and a legitimate customer using the merchant identification information and the customer identification information, which are identified in the payment request signal received from the customer terminal, And transmits the generated signal to the financial settlement server.

In one embodiment, the smart touchpage service providing server checks the merchant identification information or the merchandise information and the customer identification information from the payment request signal received from the customer terminal, and then transmits the request message to the SMS terminal The mobile communication terminal receives the SMS authentication request signal from the customer terminal, checks the SMS authentication number, checks whether the SMS authentication number matches the SMS authentication number transmitted from the SMS center, and confirms the payment authorization including the merchant identification information or the merchandise information and the customer identification information And transmits the request signal to the financial settlement server.

In one embodiment, the SMS center generates a request message in response to a request transmitted from the smart touchpage service providing server and transmits the request message to the customer terminal corresponding to the customer identification information confirmed by the smart touchpage service providing server .

In one embodiment, the smart touchpage service providing server transmits a settlement approval notification signal to a terminal of an affiliate shop operator corresponding to the merchant store identification information.

In one embodiment, the terminal of the merchant operator receives the payment approval notification signal from the SmartTap Pay service providing server and displays the payment approval.

In one embodiment, the smart touchpage service providing server receives the payment history request signal from the customer terminal, confirms the customer identification information, reads the payment history information corresponding to the customer identification information, and transmits the payment history information to the customer terminal .

In one embodiment, the smart touchpage service providing server reads the payment initial screen information registered at the time of connection of the customer terminal through the smart touch-pad application and transmits the payment initial screen information to the customer terminal, The settlement progress screen information is read and transmitted to the customer terminal, the approval number input screen information registered at the time of inputting the approval number is read and transmitted to the customer terminal, and the payment completion screen information registered at the time of completion of payment And transmits the read data to the customer terminal.

In one embodiment, the smart touchpage service providing server receives the transaction details request signal from the operator terminal, reads the corresponding transaction details information, and transmits the transaction details information to the operator terminal.

In one embodiment, the smart touchpage service providing server receives the merchant inquiry request signal from the operator terminal, reads the merchant inquiry information corresponding thereto, and transmits the read out to the operator terminal.

In one embodiment, the smart touchpage service providing server receives the change application request signal from the operator terminal, reads the change application information, and transmits the change application information to the operator terminal. According to the modification information transmitted from the operator terminal, Or registering / modifying the service provider information, service application information, settlement and settlement information, or automatically performing settlement processing at a specified commission rate.

In one embodiment, the smart touchpage service providing server performs settlement at a designated commission rate transmitted from an operator terminal corresponding to a branch / distributor, and transmits settlement details of each merchant related to the branch / distributor to the operator of the branch / To the operator terminal corresponding to the merchant, or to the operator terminal corresponding to the operator of each merchant shop.

In one embodiment, the smart touchpage service providing system stores customer related information in a database for each customer identification information, stores merchandise-related information or merchandise information in a database for each merchant identification information or product identification information, Stores the merchant identification information or the merchandise information transmitted from the SmartTap Pay service providing server in the form of a database for each customer identification information as the payment request information or the payment approval information, stores the operator-related information in a database for each operator identification information, And a database for storing the selected item information corresponding to the selected item in a database.

In one embodiment, the database includes a smart touch pay app for receiving a smart touch pay service, payment initial screen information for displaying a payment initial screen, payment progress screen information for displaying a payment progress screen, And the settlement completion screen information for displaying the settlement completion screen is previously set and stored.

In one embodiment, the operator terminal generates a transaction details request signal by checking a transaction history click through the input means on the operator main screen, and transmits the transaction details request signal to the smart touch fee service providing server. And displays a transaction history inquiry screen.

In one embodiment, the operator terminal confirms a merchant inquiry click through the input means, generates a merchant inquiry request signal, transmits the merchant inquiry inquiry signal to the smart touch pay service providing server, And displays the merchant store inquiry screen.

In one embodiment, the operator terminal confirms a change request click through the input means, generates a change request signal, and transmits the change request signal to the smart touch pay service providing server. And displays a registration modification screen.

In one embodiment, the operator terminal transmits registration modification information to the smart touchpage service providing server so that a registration number of a merchant can be registered by dividing a predetermined number of registration categories in an administrator modification menu, And transmits the registration modification information to the smart touchpage service providing server so that the payment and settlement information can be registered / To the touch-screen service providing server.

In one embodiment, in the case of an affiliate store, the operator terminal requests the SmartTap Pay service providing server to change the basic information and settlement type of the affiliated store related to the smart touch pay service on a daily basis.

In one embodiment, the operator terminal confirms an administrator settlement history click through the input means, generates an administrator settlement detail request signal, transmits the manager settlement details request signal to the smart touch fee service providing server, And displays the manager settlement screen upon receiving the settlement history information.

In one embodiment, the operator terminal generates a merchant settlement details request signal by confirming a click on the merchant settlement details through the input means, transmits the request signal to the smart touch fee service providing server, And displays the merchant settlement screen on receipt of the settlement history information.

In one embodiment, the operator terminal generates a customer registration request signal by inputting customer related information through the input means and a customer registration request, and transmits the customer registration request signal to the smart touch fee service providing server. And notifies completion of customer registration upon receiving a customer registration completion signal from the service providing server.

In one embodiment, the customer terminal confirms an application download request through the input means, generates an app download request signal, transmits the app download request signal to the smart touch fee service providing server, And downloads the app and installs it in the internal memory.

According to another aspect of the present invention, after a payment request signal received from a customer terminal is transmitted, a payment approval request signal is received and transmitted to a financial settlement server, and then a settlement approval signal received from the financial settlement server is transmitted Receives a settlement approval notification signal, and transmits the settlement approval notification signal to the customer terminal. After transmitting the operator access request signal received from the operator terminal, the operator main screen information is received and transmitted to the operator terminal, An interface unit for receiving the selection item information after transmitting the request signal and transmitting the selection item information to the operator terminal; The merchant identification information or the merchandise information and the customer identification information in the settlement request signal transmitted from the interface unit, registers the merchant identification information or the merchandise information in the database for each customer identification information, and generates a payment approval request signal, A payment approval request unit for transferring the payment approval request to the interface unit; The merchant identification information or the merchandise information and the customer identification information from the settlement approval signal transmitted from the interface unit, registers the merchant identification information or the merchandise information in the database for each customer identification information, and generates a payment approval notification signal, To the interface unit; And a control unit that checks the operator authentication information from the operator access request signal transmitted from the interface unit and checks whether or not the operator authentication information is the same as the operator authentication information registered in the database and then reads the operator main screen information from the database, An operator authentication unit for communicating; And a selection item information providing unit for reading selection item information corresponding to the selection item request signal transmitted from the interface unit from the database and transmitting the selected item information to the interface unit.

In one embodiment, the smart touchpage service providing server generates a SMS authentication transmission signal by confirming the merchant identification information, the merchandise information, and the customer identification information in the settlement request signal transmitted from the interface unit, and transmits the SMS authentication transmission signal to the interface unit An SMS authentication management unit for checking the SMS authentication number from the SMS authentication request signal transmitted from the interface unit, checking whether the SMS authentication number matches the SMS authentication number transmitted from the SMS center, and informing the payment approval request unit of the SMS authentication number match; And a payment history management unit for checking the customer identification information in the payment history request signal transmitted from the interface unit, reading the payment history information corresponding to the customer identification information from the database, and transmitting the payment history information to the interface unit.

In one embodiment, the interface unit receives the settlement request signal from the customer terminal, transmits the settlement request signal to the SMS authentication management unit, receives the SMS authentication transmission signal from the SMS authentication management unit and transmits the SMS authentication transmission signal to the SMS center, Receives the authentication request signal, and transmits the authentication request signal to the SMS authentication management unit.

In one embodiment, the interface unit transmits a payment approval notification signal transmitted from the payment approval management unit to an operator terminal corresponding to the terminal identification information confirmed by the payment approval management unit.

In one embodiment, the interface unit receives the payment history request signal from the customer terminal, transfers the payment history request signal to the payment history management unit, and then transmits the payment history information transmitted from the payment history management unit to the customer terminal .

In one embodiment, the payment approval request unit confirms whether the user is a legitimate merchant and a legitimate customer from the database using the merchant identification information and the customer identification information, which are identified in the payment request signal transmitted from the interface unit, And the like.

In an exemplary embodiment, the payment approval request unit generates a payment approval request signal including merchant identification information or merchandise information and customer identification information, which are notified of SMS authentication number matching from the SMS authentication management unit.

In one embodiment, the payment approval management unit confirms the identification information corresponding to the operator terminal of the merchant corresponding to the identified merchant identification information, and transmits the payment approval notification signal generated by the operator terminal corresponding to the confirmed terminal identification information To the interface unit.

In one embodiment, the smart touchpage service providing server checks customer identification information in an application download request signal transmitted from the interface unit, reads the smart touchpay application from a database, To the customer terminal corresponding to the identified customer identification information, and to register whether the application is installed in the customer related information corresponding to the identified customer identification information.

According to another aspect of the present invention, when a customer terminal generates and transmits an information request command, the merchant NFC chip stores merchant store identification information or merchandise information, and then, in response to the information request command, Transmitting information; The customer terminal receiving and displaying the merchant identification information or merchandise information, generating a payment request signal by confirming a payment request through the input means, and transmitting the payment request signal; The smart touchpage service providing server receives the payment request signal, registers the merchant identification information, product information and customer identification information, registers the merchant identification information and product information for each customer identification information, generates a payment approval request signal, ; The financial settlement server receives the settlement approval request signal, confirms the merchant identification information, the merchandise information and the customer identification information, checks the financial information of the merchant corresponding to the merchant identification information and checks whether the merchant is a legitimate merchant, Checking financial information of the customer corresponding to the information, checking whether the customer is a legitimate customer, performing payment, generating and transmitting a payment approval signal; Receiving and registering the settlement approval signal, and generating and transmitting a settlement approval notification signal; Receiving the payment approval notification signal and displaying payment approval; Generating an operator connection request signal by transmitting the operator authentication information and the server connection request through the input means; Receiving the operator access request signal from the smart touchpage service providing server, checking the operator authentication information, checking whether the same is identical to the registered operator authentication information, and reading and transmitting the operator main screen information; The operator terminal receiving the operator main screen information and displaying the operator main screen, confirming the request of the selection item through the input means, generating and transmitting a selection request signal; Receiving the selection item request signal from the smart touchpage service providing server and reading and transmitting selection item information corresponding thereto; And receiving the selection item information from the operator terminal and displaying the selected item information.

As an effect of the present invention, it is possible to provide a smart touch pay-per-view (hereinafter referred to as " smart touch " The present invention provides a service providing system, a server and a method, so that the settlement process is very simple without complicated processing at an affiliated store, and convenience of a customer using a mobile terminal small payment service and convenience of a merchant can be more efficiently provided .

According to the present invention, the merchant NFC chip can be recognized by using the customer's mobile communication terminal without complicated information input by the customer, so that it is possible to conveniently pay for the shipment or service of the merchant, Or SMS) or server homepage. Therefore, it provides quick and convenient service of mobile terminal small settlement service when shoe service of merchants is performed online or offline, thereby maximizing convenience of customers It also has an effect that can be done.

1 is a diagram for explaining a smart touch pay service providing system according to an embodiment of the present invention.
2 is a view for explaining a payment initial screen displayed on the customer terminal shown in FIG.
3 is a view for explaining a payment progress screen displayed on the customer terminal of FIG.
4 is a view for explaining an approval number input screen displayed on the customer terminal shown in FIG.
FIG. 5 is a diagram illustrating a payment completion screen displayed on the customer terminal shown in FIG. 1. FIG.
FIGS. 6 and 7 are views for explaining settlement detail information provided by the smart touchpage service providing server shown in FIG. 1. FIG.
8 is a view for explaining an operator main screen displayed on the operator terminal shown in FIG.
9 is a view for explaining a transaction history display screen displayed on the operator terminal shown in FIG.
10 and 11 are views for explaining a merchant store inquiry screen displayed on the operator terminal shown in Fig.
12 is a view for explaining a registration modification screen displayed on the operator terminal shown in Fig.
FIG. 13 is a view for explaining the service fee designation in the operator terminal shown in FIG. 1. FIG.
FIG. 14 is a diagram for explaining the smart touch pay service providing server shown in FIG. 1. FIG.
15 is a view for explaining a method of providing a smart touchpage service according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. However, the description of the present invention is merely an example for structural or functional explanation, and the scope of the present invention should not be construed as being limited by the embodiments described in the text. That is, the embodiments are to be construed as being variously embodied and having various forms, so that the scope of the present invention should be understood to include equivalents capable of realizing technical ideas. Also, the purpose or effect of the present invention should not be construed as limiting the scope of the present invention, since it does not mean that a specific embodiment should include all or only such effect.

The meaning of the terms described in the present invention should be understood as follows.

The terms "first "," second ", and the like are intended to distinguish one element from another, and the scope of the right should not be limited by these terms. For example, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. It is to be understood that when an element is referred to as being "connected" to another element, it may be directly connected to the other element, but there may be other elements in between. On the other hand, when an element is referred to as being "directly connected" to another element, it should be understood that there are no other elements in between. On the other hand, other expressions that describe the relationship between components, such as "between" and "between" or "neighboring to" and "directly adjacent to" should be interpreted as well.

It should be understood that the singular " include "or" have "are to be construed as including a stated feature, number, step, operation, component, It is to be understood that the combination is intended to specify that it does not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Commonly used predefined terms should be interpreted to be consistent with the meanings in the context of the related art and can not be interpreted as having ideal or overly formal meaning unless explicitly defined in the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A system, a server and a method for providing a smart touchpage service according to an embodiment of the present invention will now be described in detail with reference to the drawings.

FIG. 1 is a view for explaining a smart touch pay service providing system according to an embodiment of the present invention, FIG. 2 is a view for explaining a payment initial screen displayed on the customer terminal of FIG. 1, FIG. 4 is a view for explaining a payment progress screen displayed on a customer terminal, FIG. 4 is a view for explaining an approval number input screen displayed on the customer terminal of FIG. 1, 6 and 7 are views for explaining the settlement detail information provided by the smart touchpage service providing server shown in FIG. 1. FIG. 8 is a view for explaining the settlement history information provided by the operator main screen FIG. 9 is a view for explaining a transaction history inquiry screen displayed on the operator terminal of FIG. 1, and FIGS. 10 and 11 are views for explaining a transaction history display screen displayed on the operator terminal of FIG. Is an explanatory view illustrating the blind spot inquiry screen, 12 is a view for explaining a registration correction screen displayed on the operator terminal in Figure 1, Figure 13 is a view for explaining the assignment of the service fee from the operator terminal in Figure 1;

1 to 13, a smart touch pay service providing system 100 includes a plurality of merchant NFC chips 110, a plurality of customer terminals 120, a smart touch pay service providing server 130, a database 140 A financial settlement server 150, a plurality of operator terminals 160, and a network 170. Here, the smart touch pay service allows a customer to purchase or use a merchandise (or service, etc.) at an affiliate shop through online or offline, and then to transmit the payment amount corresponding thereto to the merchant NFC chip 100 using an NFC modem provided in the customer terminal 120 (110). ≪ / RTI > The customer refers to a user who receives a smart touch pay service through a merchant using the customer terminal 120 equipped with an NFC modem. The merchant installs the merchant NFC chip 110 (or the operator terminal 160) Refers to a business place of an individual business entity or a corporation that has paid a price to provide a smart touch pay service to a business entity and a branch office is a business entity of an individual business entity or corporation acting as an agent for recruitment, The branch office refers to a business place of an individual business operator or a corporation, which has an operator terminal (160) installed therein and represents all the business of each branch office in accordance with the branch contract and all the management, supervision,

The merchant NFC chip 110 is installed in each merchant (or each merchandise (or service)) and performs settlement corresponding to the purchase or use of the merchandise (or service, etc.) through online or offline of the merchant (Or service information) (for example, product identification information (or service identification information), product name (or service name), payment amount, etc.) And stores the stored merchant identification information (or merchandise information) according to an information request command transmitted from the customer terminal 120. [

The customer terminal 120 is a mobile communication terminal such as a smart phone, a mobile phone, and a PDA used by a customer. The customer terminal 120 includes a smart touch application (or a program) for receiving a smart touch fee service, a merchant point NFC chip 110 And an NFC modem for recognizing an application (hereinafter referred to as an " application "). In order to allow a customer to make payment corresponding to a purchase (or service) If the user requests the NFC chip recognition through the input means, then the NFC chip recognition request through the input means is executed. The NFC chip 110 is activated to recognize the merchant NFC chip 110. At this time, an information request command is generated and transmitted to the merchant NFC chip 110, Receives merchant identification information (or merchandise information) transmitted from the point NFC chip 110 and displays merchant identification information (or merchandise information) through a display means such as an LCD, a touch screen, or the like, (Or, if there is no product information, requesting payment after inputting the product information), confirms the payment request through the input means, and stores the customer identification information (or the customer identification information The terminal identification information), and then generates a payment request signal including the received merchant identification information (or the goods information received or inputted) and the read customer identification information (or terminal identification information) And transmits the payment approval notification signal (payment completion screen information, which is transmitted from the smart touch fee service providing server 130) to the touch-screen service providing server 130 Receives the box) displays a payment authorization through the display means.

In one embodiment, the customer terminal 120 transmits a payment request signal to the smart touchpage service providing server 130 and then transmits a request message (SMS) transmitted from the SMS center (not shown in the drawing for convenience of explanation) An authentication number (or an approval number)), an input window for inputting the SMS authentication number through the display means, and an SMS authentication number. The customer can input an SMS authentication number The SMS authentication request signal including the SMS authentication number is generated and transmitted to the smart touchpage service providing server 130 and then transmitted from the smart touchpage service providing server 130 And receive the payment approval notification signal to be transmitted.

In one embodiment, when the customer requests the payment details through the input means, the customer terminal 120 checks the payment history request through the input means and displays the customer identification information (or the terminal identification information And transmits the payment history request signal including the read customer identification information (or the terminal identification information) to the smart touch fee service providing server 130. Thereafter, the smart touch fee service providing server 130, and displays the payment history information through the display means.

In one embodiment, when the customer requests the application execution through the input means, the customer terminal 120 confirms the application execution request through the input means and executes the smart touch pay app installed in the internal memory. At this time, The settlement initial screen as shown in FIG. 2 may be displayed through the display means according to the settlement initial screen information transmitted from the smart touch pay service providing server 130.

In one embodiment, when the customer touches the merchant NFC chip 110 or takes an OR code (or a code installed at a merchant such as a bar code) through the camera means, The merchant NFC chip 110 may be recognized through the NFC modem or the OR code (or a barcode or the like) photographed through the camera means may be recognized to automatically check the code of the merchant.

In one embodiment, the customer terminal 120 receives merchandise information (i.e., payment information (e.g., amount of money)) through the input means on the payment initial screen as shown in FIG. 2, The user can confirm the next click through the input means and display the payment progress screen as shown in FIG. 3 through the display means according to the payment progress screen information transmitted from the smart touchpage service providing server 130 .

In one embodiment, the customer terminal 120 inputs product information (i.e., payment information (e.g., a communication company, resident registration number, agreement agreement, etc.) through the input means on the payment progress screen as shown in Fig. 3 4 and confirms the next click through the input means and displays the approval screen as shown in FIG. 4 through the display means according to the approval number input screen information received from the smart touch page service providing server 130 You can display the number input screen.

In one embodiment, the customer terminal 120 receives merchandise information (that is, payment information (e.g., approval number)) through the input means on the approval number input screen as shown in FIG. 4, ), It confirms the next click through the input means and displays the settlement completion screen as shown in FIG. 5 through the display means according to the settlement completion screen information transmitted from the smart touchpage service providing server 130 , And allows the customer to check the payment amount information.

The smart touchpage service providing server 130 receives the payment request signal transmitted from the customer terminal 120 and receives the merchant identification information (or product information) and the customer identification information (or the terminal identification (Or merchandise information) is registered in the database 140 for each customer identification information, and at the same time, the identified merchant identification information (or merchandise information) and the customer identification information (Or the terminal identification information) to the financial settlement server 150 and then receives the settlement approval signal transmitted from the financial settlement server 150 and transmits the settlement approval request signal to the financial settlement server 150 (Or merchandise information) and merchandise identification information (or merchandise identification information) of merchandise identification information (or merchandise information) (Including payment completion screen information) and transmits the payment approval notification signal to the customer terminal 120 corresponding to the identified customer identification information (or terminal identification information) Receives the operator access request signal transmitted from the operator terminal 160, checks the operator authentication information (for example, the operator ID and the operator password) in the received operator access request signal, and transmits the confirmed operator authentication information And checks whether the user is a legitimate operator. If the user is a legitimate operator, the operator main screen information is read from the database 140 and transmitted to the operator terminal 160 Receives a selection item request signal transmitted from the operator terminal 160, and selects a line corresponding to the received selection item request signal according to the received selection item request signal, From the database 140, the selected item information (information such as notifications, merchant inquiry, transaction details, change application, merchant registration, sales settlement, settlement details, registration information, business management, support center, 160).

The smart touchpage service providing server 130 transmits the payment request signal received from the customer terminal 120 to the database 140 using the merchant identification information and the customer identification information (or the terminal identification information) And if it is a legitimate merchant and a legitimate customer, it can generate a payment approval request signal and transmit it to the financial settlement server 150.

In one embodiment, the smart touchpage service providing server 130 checks the merchant identification information (or product information) and the customer identification information (or the terminal identification information) from the payment request signal received from the customer terminal 120 Next, a request message for requesting to input the SMS authentication number (or the approval number) and the corresponding SMS authentication number is transmitted to the customer terminal 120 corresponding to the identified customer identification information (or terminal identification information) After receiving the SMS authentication request signal transmitted from the customer terminal 120, the mobile terminal 100 checks the SMS authentication number in the received SMS authentication request signal and checks whether the SMS authentication number matches the SMS authentication number transmitted from the SMS center , Generates a payment approval request signal including the identified merchant identification information (or product information) and the customer identification information (or the terminal identification information), and transmits the payment approval request signal to the financial settlement server 1 50). At this time, the SMS center generates a request message in response to a request transmitted from the smart touchpage service providing server 130 and transmits the request message corresponding to the customer identification information (or the terminal identification information) To the customer terminal (120).

In one embodiment, the smart touchpage service providing server 130 transmits the generated smart point service information to the terminal of the operator (or manager) of the affiliate shop corresponding to the identified merchant identification information (not shown in the figure for convenience of explanation) And may send a payment approval notification signal. Accordingly, the terminal of the operator (or manager) receives the settlement approval notification signal transmitted from the smart touchpage service providing server 130 and displays the settlement approval through the display means, Service, etc.) to the operator (or manager).

In one embodiment, the smart touchpage service providing server 130 receives the payment history request signal transmitted from the customer terminal 120 and receives customer identification information (or terminal identification information) from the received payment history request signal And the payment history information corresponding to the identified customer identification information (or terminal identification information) may be read from the database 140 and transmitted to the customer terminal 120.

The smart touch pay service providing server 130 reads the payment initial screen information registered in the database 140 at the time of accessing the customer terminal 120 through the smart touch pay app and transmits the payment initial screen information to the customer terminal 120 The billing progress screen information registered in the database 140 at the time of settlement may be read and transmitted to the customer terminal 120. Thereafter, at the time of inputting the approval number, The user terminal 120 may read out the approval number input screen information registered in the database 140 and transmit the approval number input screen information to the customer terminal 120. Thereafter, upon completion of the payment, the payment completion screen information registered in the database 140 is read out, 120).

In one embodiment, the smart touchpage service providing server 130 receives the transaction details request signal transmitted from the operator terminal 160 and, in accordance with the received transaction details request signal, (Including screen information) from the database 140 to the operator terminal 160.

In one embodiment, the smart touch-screen service providing server 130 receives the merchant inquiry request signal transmitted from the operator terminal 160 and, in response to the received merchant inquiry request signal, transmits the merchant inquiry information (merchant inquiry screen Information from the database 140 to the operator terminal 160.

In one embodiment, the smart touch-screen service providing server 130 receives the change application request signal transmitted from the operator terminal 160 and, in response to the received change application request signal, And may transmit the information to the operator terminal 160. The operator terminal 160 may register the merchant in accordance with the registration modification information transmitted from the operator terminal 160, You can register / modify application information, settlement and settlement information, or automatically settle at a specified commission rate.

In one embodiment, the smart touch pay service provision server 130 may perform settlement at a specified commission rate transmitted from the operator terminal 160 corresponding to the branch / distributor, (Or manager) of the corresponding branch office as shown in FIG. 6, or may transmit the settlement history information to the operator terminal 160 corresponding to the operator (or manager) of the corresponding branch office / 160 as shown in FIG.

The database 140 stores information related to the customer (for example, name, address, telephone number, affiliate communication company, application installation, etc.) in a database for each customer identification information (or terminal identification information) (E.g., merchant name, address, telephone number, transaction bank, account number, cost payment, etc.) (or merchandise information or service information) for each merchant by information (or merchandise identification information or service identification information) And store merchandise identification information (or merchandise information) transmitted from the smart touchpage service providing server 130 as customer identification information (for example, a customer ID, etc.) as payment request information (or payment approval information) (For example, an operator ID, an operator password, an operator name, an address, a telephone number, etc.) related to the operator (Information, merchant inquiry, transaction details, application for change, merchant registration, sales settlement, settlement record, registration information, business management, support center, etc.) corresponding to the selected items, Board, etc.) (including transaction history inquiry screen information, merchant inquiry screen information, registration modification screen information, and the like) in a database.

In one embodiment, the database 140 includes a smart touch pay app for receiving a smart touch pay service, payment initial screen information for displaying a payment initial screen, payment progress screen information for displaying a payment progress screen, Approval number input screen information for displaying an input screen, settlement completion screen information for displaying a settlement screen, and the like can be preset and stored.

The financial settlement server 150 receives a settlement approval request signal transmitted from the smart touchpage service providing server 130 as a server of a communication company or a financial company corresponding to each customer, (Or merchandise information) and customer identification information (or terminal identification information), checks the financial information of the merchant corresponding to the identified merchant identification information, checks whether the merchant is a legitimate merchant, The system checks the financial information of the customer corresponding to the identification information (or the terminal identification information) to check whether the customer is a legitimate customer, generates a payment approval signal after performing the payment in case of a legitimate merchant and a legitimate customer, To the providing server 130.

The operator terminal 160 is a communication terminal (for example, a PC, a notebook, a smart phone, etc.) used by an operator (or a manager) of the smart touchpage service providing server 130 or an operator When the operator inputs the operator authentication information (for example, the operator ID and the operator password) through the input means and requests the server connection, the operator inputs the operator authentication information through the input means and confirms the server connection request, And transmits the operator's main screen information transmitted from the smart touch-screen service providing server 130 to the smart touch-screen service providing server 130 And displays the main screen of the operator as shown in FIG. 8 through the display means. When the operator displays the main screen through the input means on the operator main screen (That is, a selection item) is requested to be selected by the user through the input means, for example, when the user requests selection of one of the item (s), item (s), merchant inquiry, transaction details, change application, merchant registration, sales settlement, And transmits the selected item request signal to the smart touch fee service providing server 130. The selected item information is transmitted from the smart touch fee service providing server 130 to the smart touch fee service providing server 130 , Transaction details, change application, merchant registration, sales settlement, settlement details, registration information, business management, support center, board, etc.) and displays them through the display means.

In one embodiment, when the transaction details are clicked through the input means on the operator main screen as shown in FIG. 8, the operator terminal 160 confirms a transaction history click through the input means and generates a transaction details request signal (Including transaction history inquiry screen information) transmitted from the smart touch fee service providing server 130 (for example, a merchant code, a resident registration number, etc.) transmitted to the smart touch fee service providing server 130 (Such as a merchant code, a merchant name, settlement classification, a fee, a payment amount, a customer approval amount, an approval number, an approval date, a payment cancellation, a social security number, a telephone number, etc.) within the designated period, By displaying a transaction history inquiry screen as shown in Fig. 8 (display for smartphone) or Fig. 9 (display for PC) (Or manager) of the touch-tale service providing server 130 to check the payment amount information in real time for the payment details.

In one embodiment, when the merchant terminal inquiry is clicked through the input means on the operator main screen as shown in Fig. 8, the operator terminal 160 confirms the merchant inquiry click through the input means and generates a merchant inquiry request signal (Including the merchant store inquiry screen information) transmitted from the smart touch pay service providing server 130 (for example, a business classification, a registration date, (Display for a smartphone) or the like via the display means through the display means, or the like, through the display means, (Or a manager) of the smart touch-screen service providing server 130 by displaying the merchant inquiry screen as shown in Fig. 11 (PC display) It allows you to view and change the information of registered merchants in real time.

In one embodiment, when the operator terminal 160 clicks the change request through the input means on the operator main screen as shown in FIG. 8, the operator terminal 160 confirms the change request click through the input means and generates a change request signal (Including the registration modification screen information) transmitted from the smart touchpage service providing server 130, and transmits the change application information (including the registration modification screen information) to the smart touchpage service providing server 130 via the display means (Or manager) of the smart touchpage service providing server 130 to display the registration modification screen as shown in the figure, thereby allowing the manager to modify the registration classification (for example, branch / distributor, branch / dealer, (For example, five types) by registering the registration modification information in the smart touch service providing server 130, etc.), and can also transmit the business information (for example, merchant code, merchant name, resident number, corporation number, representative telephone, business address, password, representative name, business number, business / , The service application information (for example, the relationship with the employer, the name of the applicant, the SMS service number, the email address, the mobile phone number, the mobile web registration status, The registration modification information may be transmitted to the smart touchpage service providing server 130 so that registration / modification of the registration fee, the registration fee deposit method, the deposit fee, the service commission, the settlement deposit account, the settlement deposit classification, , As shown in FIG. 13, the registration correction information is designated to the smart touch fee service providing server 130 so that the automatic settlement processing can be automatically performed at the designated commission rate You can send it. At this time, the smart touch fee service providing server 130 registers the smart touch fee service to the customer after confirming and checking the application form and the submission, normal business operation, etc. in case of the merchant, It is possible to check whether the settlement is completed and to control the smart touch pay service to be posted after a predetermined period (for example, five days) has elapsed from the payment completion day.

In one embodiment, the operator terminal 160 may determine the merchant's basic information related to the smart touch pay service, the type of settlement (the specified commission rate per settlement cycle (e.g., 4.5% per day, 9.5% per day, 2.0 %, 3.5% per week, 6.5% per week, 8.5% per week, etc.) to the smart touch service providing server 130 on a daily basis.

In one embodiment, when the administrator account settlement history is clicked through the input means on the operator main screen as shown in FIG. 8, the operator terminal 160 checks the manager settlement history click through the input means, (Including the manager settlement screen information) transmitted from the smart touch pay service providing server 130 (for example, the operator), and transmits the manager settlement information to the smart touch fee service providing server 130 The name of the business, the name of the business, the name of the business operator, the name of the business, the address, the business category, the account number, the business classification, the business name, the sales code, the number of approvals, A merchant code, an approval number, an approval date, a resident registration number, a telephone number, etc.), and displays the manager settlement screen as shown in FIG. 6 through the display means, Company / operator of the distributor (or administrator) to allow the settlement to the commission specified in the branch / distributor, makes it so that you can check the information of each merchant settlement related to the branch / distributor in real time.

In one embodiment, when the operator terminal 160 clicks on the details of the merchant store settlement through the input means on the operator main screen as shown in FIG. 8, the operator terminal 160 confirms the merchant store settlement history click through the input means, (Including merchant settlement screen information) transmitted from the smart touch pay service providing server 130 (for example, merchant store name information), which is transmitted from the smart touch pay service providing server 130, , The approved date, the approved amount, the commission (%), the settling period, the commission, the value added tax, the deductible amount, the amount of the falsified payment, the status, and the like) and displays the merchant settlement screen as shown in FIG. And allows the operator (or manager) of the merchant to check his / her settlement information in real time.

In one embodiment, when the operator inputs information (e.g., name, address, telephone number, affiliated communication company, etc.) related to the customer through the input means and requests the initial customer registration, A customer registration request signal (including customer identification information) including the customer-related information input through the input means is generated by confirming the customer-related information input through the input means and the customer registration request, 130, and receives the customer registration completion signal transmitted from the smart touchpage service providing server 130, and notifies the operator of completion of the customer registration through the display means.

The network 170 includes a wired communication network or a wireless communication network and includes a communication between a plurality of customer terminals 120 and a smart touch pay service providing server 130, a smart touch pay service providing server 130, 150, and communication between the smart touch-screen service providing server 130 and the operator terminal 160 to transmit and receive data between each other.

The SmartTopPay service providing system 100 having the above-described configuration can transmit a settlement amount corresponding to a purchase (or service) of a goods (or a service, etc.) on-line or off-line to an NFC The SmartTap Pay service providing server 130 requests the settlement server NFC chip 110 from the financial point of view by using the information of the merchant NFC chip 110 recognized by the customer terminal 120 150), so that the payment for the goods (or service) for the purchase or use of the customer is paid out. Thus, the payment process is very simple without complicated processes at the merchant, It is possible to more efficiently provide the convenience of the customer who uses it and the convenience of the merchant.

The smart touch pay service providing system 100 having the above-described configuration recognizes the merchant NFC chip 110 using the NFC modem provided in the customer terminal 120 and automatically inputs the subscription information of the customer's mobile communication terminal (Or the terminal identification information) at the time of the transmission button click, and then the received payment request signal (the merchant identification information (or the product information) and the customer identification information (or the terminal identification information ) To the smart touchpage service providing server 130, and receives an SMS authentication number input request to display an SMS authentication number, receives an SMS authentication number, and transmits an SMS authentication request signal (SMS authentication And transmits the generated information to the smart touchpage service providing server 130. Thus, it is possible to conveniently provide the cost for shipment or service of the merchant without requiring the user to input complicated information The settlement history can be conveniently provided through the homepage of the smart touch pay app (or SMS) or the smart touch pay service providing server 130 provided in the customer terminal 120, and online or offline It is possible to provide a mobile communication terminal micro settlement service quickly and conveniently at the time of shipment or service of the merchant, thereby maximizing the convenience of the customer.

FIG. 14 is a diagram for explaining the smart touch pay service providing server shown in FIG. 1. FIG.

14, the smart touch pay service providing server 130 includes an interface unit 131, a payment approval request unit 132, a payment approval management unit 133, an operator authentication unit 134, (135). The smart touch pay service providing server 130 may further include an SMS authentication managing unit 136 and a payment history managing unit 137 as shown in FIG. Here, the smart touch pay service providing server 130 recognizes the merchant NFC chip 110 through the customer terminal 120 as a smart touch pay service, and allows the merchant to pay for shipment or service of the merchant, And the like to the customer terminal 120 via the home page or the SMS.

The interface unit 131 transmits and receives data in cooperation with a plurality of customer terminals 120, a financial settlement server 150 or an operator terminal 160 (or an SMS center) through the network 170. The interface unit 131 receives the settlement request signal transmitted from the customer terminal 120 through the network 170 and transmits the received settlement request signal to the payment approval request unit 132, The settlement approval request signal transmitted from the request unit 132 to the financial settlement server 150 and then receives the settlement approval signal transmitted from the financial settlement server 150, (Or the terminal identification information) confirmed by the payment approval management unit 133 to the payment approval notification signal (including the payment completion screen information) transmitted from the payment approval management unit 133, And receives the operator access request signal transmitted from the operator terminal 160 through the network 170 and transmits the received operator access request signal to the operator authentication unit 134 to the operator terminal 160, and then transmits the operator main screen information transmitted from the operator authentication unit 134 to the operator terminal 160. After receiving the selection item request signal transmitted from the operator terminal 160, Transmits the received selection item request signal to the selection item providing unit 135, and then transmits the selection item information transmitted from the selection item providing unit 135 to the operator terminal 160.

The interface unit 131 may receive the settlement request signal transmitted from the customer terminal 120 via the network 170 and may transmit the received settlement request signal to the SMS authentication management unit 136, Then, after transmitting the SMS authentication transmission signal transmitted from the SMS authentication management unit 136 to the SMS center, the SMS authentication request signal transmitted from the customer terminal 120 is received and the SMS authentication request signal is received, (136).

In one embodiment, the interface unit 131 transmits the payment approval notification signal transmitted from the payment approval management unit 133 to the operator (or manager) terminal corresponding to the terminal identification information confirmed by the payment approval management unit 133 You can give it.

In one embodiment, the interface unit 131 receives the payment history request signal transmitted from the customer terminal 120 and transmits the received payment history request signal to the payment history management unit 137, and then the payment history management unit 137 to the customer terminal 120.

The payment approval requesting unit 132 confirms the merchant identification information (or the product information) and the customer identification information (or the terminal identification information) from the settlement request signal transmitted from the interface unit 131, (Or merchandise information) in the database 140 for each customer identification information, and at the same time, confirms payment approval including the identified merchant identification information (or product information) and customer identification information (or terminal identification information) And transmits the request signal to the interface unit 131.

In one embodiment, the payment approval request unit 132 receives a payment request signal from the database 140 using the merchant identification information and the customer identification information (or the terminal identification information) identified in the payment request signal transmitted from the interface unit 131 It is possible to confirm whether the customer is a merchant or a legitimate customer and generate a payment approval request signal if the merchant is a legitimate merchant or a legitimate customer.

In one embodiment, the payment approval requesting unit 132 notifies the SMS authentication number match from the SMS authentication management unit 136 and transmits the confirmed merchant identification information (or product information) and the customer identification information (or the terminal identification information ) May be generated.

The payment approval management unit 133 receives the payment approval signal transmitted from the interface unit 131 and stores the merchant identification information (or product information) and the customer identification information (or the terminal identification information) in the received payment approval signal Registers merchandise identification information (or merchandise information) thus identified in the database 140 for each customer identification information, and at the same time, generates a payment approval notification signal and transfers it to the interface unit 131.

In one embodiment, the payment approval management section 133 confirms the identification information corresponding to the terminal of the operator (or manager) of the affiliated shop corresponding to the identified merchant identification information (not shown in the drawings for convenience of description) And transmits the generated payment approval notification signal to the operator (or manager) terminal corresponding to the identified terminal identification information to the interface unit 131.

The operator authentication unit 134 confirms the operator authentication information (for example, the operator ID and the operator password) from the operator access request signal transmitted from the interface unit 131, And if it is a legitimate operator, it reads the operator main screen information from the database 140 and transfers it to the interface unit 131. The interface unit 131 receives the operator main screen information from the database 140,

The selection item information providing unit 135 stores selection item information corresponding to the selection item request signal transmitted from the interface unit 131 (information on notifications, merchant inquiry, transaction details, change request, etc.) And transfers the read data to the interface unit 131.

The SMS authentication management unit 136 checks the merchant identification information (or product information) and the customer identification information (or the terminal identification information) from the settlement request signal transmitted from the interface unit 131, Generates an SMS authentication transmission signal for transmitting a request message for requesting the corresponding SMS authentication number to the customer terminal 120 corresponding to the identified customer identification information (or terminal identification information) After checking the SMS authentication number from the SMS authentication request signal transmitted from the interface unit 131, it checks whether the SMS authentication number is identical with the SMS authentication number transmitted from the SMS center, And notifies the approval requesting unit 132 of the request.

The payment history management unit 137 confirms the customer identification information (or the terminal identification information) from the payment history request signal transmitted from the interface unit 131 and stores the customer identification information (or the terminal identification information) From the database 140 and transfers the payment history information to the interface unit 131.

The smart touchpage service providing server 130 having the above-described configuration may further include an app manager (not shown in the drawing for convenience of explanation).

The application management unit receives the application download request signal received from the customer terminal 120 via the interface unit 131, confirms the customer identification information in the received application download request signal, From the database 140 and transmits it to the customer terminal 120 corresponding to the identified customer identification information through the interface unit 131 and transmits the customer related information corresponding to the identified customer identification information Registers whether to install the app. At this time, when the customer requests downloading of the smart touch pay app (or program) through the input means, the customer terminal 120 confirms the application download request through the input means and transmits an application download request signal May be generated and transmitted to the smart touch pay service providing server 130, and then the smart touch pay application transmitted from the smart touch pay service providing server 130 may be downloaded and installed in the internal memory.

15 is a view for explaining a method of providing a smart touchpage service according to an embodiment of the present invention.

15, a customer terminal 120, which is a mobile communication terminal such as a smart phone, a mobile phone, and a PDA used by a customer, includes a smart touch pay app (or program) for receiving a smart touch fee service, And an NFC modem for recognizing the chip 110. In order to allow a customer to make payment corresponding to the purchase or use of a product (or a service, etc.) at an affiliated store, Upon requesting the execution of the application through the input means, the application execution request is confirmed through the input means to execute the smart touch-pad application. Then, when the customer requests the NFC chip recognition through the input means, And recognizes the NFC chip recognition request through the NFC chip 110 and drives the NFC modem to recognize the merchant NFC chip 110. At this time, And transmits (S101).

When the information request command is transmitted in step S101 described above, the merchant NFC chip 110 installed in each merchant (or each merchandise (or service)) stores merchant identification information (or merchandise identification information Stores information (or service information) (for example, product identification information (or service identification information), product name (or service name), payment amount, and the like) from customer terminal 120 The merchant identification information (or merchandise information) that has been stored in accordance with the transmitted information request command is transmitted (S102).

When the merchant identification information (or the merchandise information) is transmitted in the above-described step S102, the customer terminal 120 receives the merchant identification information (or merchandise information) transmitted from the merchant NFC chip 110, (Or merchandise information) through a display means such as a screen. At this time, after confirming whether the merchandise information is included in the information received from the merchant NFC chip 110, if the merchandise information is present, Means for requesting payment immediately, and if there is no product information, the customer requests payment after inputting the product information. Then, the customer terminal 120 confirms the payment request through the input means, reads the customer identification information (or the terminal identification information) stored in the internal memory, and then reads the received merchant identification information (Or product information received or received) and the read customer identification information (or terminal identification information), and transmits the generated payment request signal to the smart-touch-pay service providing server 130 (S103).

When the payment request signal is transmitted in the above-described step S103, the smart touchpage service providing server 130 receives the payment request signal transmitted from the customer terminal 120, (Or product information) and customer identification information (or terminal identification information), registers the identified merchant identification information (or product information) in the database 140 for each customer identification information, (Or merchandise information) and customer identification information (or terminal identification information), and transmits the payment approval request signal to the financial settlement server 150 (S104).

When the payment approval request signal is transmitted in step S104, the financial settlement server 150, which is a server of a communication company or a financial company corresponding to each customer, transmits a payment approval request signal transmitted from the smart touch fee service providing server 130 (Or merchandise information) and customer identification information (or terminal identification information) from the received payment approval request signal and confirms the financial information of the merchant corresponding to the identified merchant identification information (Or terminal identification information) to check whether the customer is a legitimate customer or not, and if the customer is a legitimate merchant and a legitimate customer, the user can check the financial information of the customer corresponding to the identified customer identification information A payment approval signal is generated and transmitted to the smart touchpage service providing server 130 (S105).

When the payment approval signal is transmitted in the above-described step S105, the smart touch fee service providing server 130 receives the payment approval signal transmitted from the financial settlement server 150 and acquires the merchant identification information Or merchandise information) and customer identification information (or terminal identification information), registers the identified merchant identification information (or merchandise information) in the database 140 for each customer identification information, (Including the payment completion screen information) to the customer terminal 120 corresponding to the identified customer identification information (or the terminal identification information) (S106).

When the payment approval notification signal is transmitted in step S106, the customer terminal 120 receives the payment approval notification signal (including the payment completion screen information) transmitted from the smart touch fee service providing server 130, The payment approval is displayed through the means (S107).

(Or manager) used by the operator (or manager) of the smart touchpage service providing server 130 or the operator (or manager) of the affiliate shop after displaying the payment approval in step S107 described above, (For example, an operator ID and an operator password) through the input means and requests a server connection, the operator terminal 160, which is a personal computer, a notebook computer, a smart phone, etc., Authentication information input and server connection request, generates an operator access request signal including the operator authentication information input through the input means, and transmits the operator access request signal to the smart touch fee service providing server 130 (S108).

When the smart contact service requesting server 130 transmits an operator access request signal in step S 108, the smart touch page service providing server 130 receives an operator access request signal transmitted from the operator terminal 160 and receives an operator authentication signal from the received operator access request signal (For example, an operator ID and an operator password), checks whether or not the confirmed operator authentication information is the same as the operator authentication information registered in the database 140, checks whether or not the user is a legitimate operator, The operator main screen information is read from the database 140 and transmitted to the operator terminal 160 (S109).

When the operator main screen information is transmitted in step S109, the operator terminal 160 receives the operator main screen information transmitted from the smart touchpage service providing server 130 and displays the operator main screen through the display means , When the operator requests to select one of the notifications, the merchant inquiry, the transaction details, the change request (that is, the selected item) through the input means on the operator's main screen, the request of the selected item through the input means is checked And transmits the generated item request signal to the smart touchpage service providing server 130 (S110).

When the selection item request signal is transmitted in step S110, the smart touchpage service providing server 130 receives the selection item request signal transmitted from the operator terminal 160, (Information such as notices, merchant inquiries, transaction details, change requests, etc.) from the database 140 and transmits them to the operator terminal 160 (S111).

When the selection item information is transmitted in the above-described step S111, the operator terminal 160 transmits selection item information (announcement information, merchant inquiry, transaction details, change application information, etc.) transmitted from the smart touchpage service providing server 130 And displays it through the display means (S112).

As described above, the embodiment of the present invention is not limited to the above-described apparatus and / or method, but may be implemented by a program for realizing a function corresponding to the configuration of the embodiment of the present invention and a recording medium on which the program is recorded And the present invention can be easily implemented by those skilled in the art from the description of the embodiments described above. While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

100: Smart Touch Pay Service System
110: Merchant NFC chip
120: Customer terminal
130: Smart touch pay service providing server
131:
132: Payment Authorization Request Section
133: Payment approval management unit
134:
135: Selected item information providing service
136: SMS authentication management unit
137: Payment history management unit
140: Database
150: Financial Payment Server
160: Operator terminal
170: Network

Claims (10)

A plurality of merchant NFC chips for storing merchant identification information or merchandise information and transmitting merchant identification information or merchandise information according to an information request command;
An information request command is generated and transmitted to the merchant NFC chip to receive and display merchant identification information or merchandise information from the merchant NFC chip, to confirm a payment request through the input means, to generate and transmit a payment request signal, A plurality of customer terminals for receiving a payment approval notification signal and displaying payment approval;
Receives the settlement request signal from the customer terminal, confirms the merchant identification information, the merchandise information and the customer identification information, registers the merchant identification information and the merchandise information for each customer identification information, generates and transmits a payment approval request signal, And transmits a payment approval notification signal to the customer terminal. Upon receipt of the operator access request signal, the operator authentication information is checked to check whether or not the same is identical to the registered operator authentication information, A smart touch pay service providing server for reading and transmitting main screen information, receiving a selection item request signal, reading and transmitting selection item information corresponding thereto, and transmitting the selected item information;
Receives a settlement approval request signal from the smart touchpage service providing server, checks the merchant identification information, the merchandise information and the customer identification information, checks the financial information of the merchant corresponding to the merchant identification information, and checks whether the merchant is a legitimate merchant A financial settlement server for checking financial information of the customer corresponding to the customer identification information to check whether the customer is a valid customer, performing payment, generating a payment approval signal, and transmitting the payment approval signal to the smart touch fee service providing server; And
And transmits the operator's access request signal to the smart touch fee service providing server, and then receives the operator's main screen information from the smart touch fee service providing server after receiving the operator access request signal through the input means Receives the selection item information from the smart touchpage service providing server after transmitting the selected item request signal to the smart touchpage service providing server by checking the request of the selection item through the input means, And a plurality of operator terminals for receiving and displaying the smart touch pay service.
The method of claim 1,
A Smart Touch Pay App, and an NFC modem for recognizing the merchant NFC chip. The Smart Touch Pay App is confirmed by confirming an application execution request of the input means, the NFC chip recognition request is confirmed through the input means, And activates the modem to recognize the merchant NFC chip.
The method of claim 1,
Receives a request message from the SMS center to display an input window and an SMS authentication number, receives an SMS authentication number, generates an SMS authentication request signal, And a payment approval notification signal is received from the SmartTap Pay service providing server after transmitting the payment approval notification signal to the SmartTap Pay service providing server.
The smart-touch-based service providing server according to claim 1,
After confirming the merchant identification information or the merchandise information and the customer identification information in the settlement request signal received from the customer terminal and then requesting the SMS center to transmit a request message to the customer terminal, And checks whether the SMS authentication number matches the SMS authentication number transmitted from the SMS center to generate a payment approval request signal including the merchant identification information or the merchandise information and the customer identification information and transmits the signal to the financial settlement server A smart touch pay service providing system.
The smart-touch-based service providing server according to claim 1,
The payment initiation screen information registered at the time of connection of the customer terminal through the smart touch-pad application is read and transmitted to the customer terminal, and the payment progress screen information registered at the time of payment progress is read and transmitted to the customer terminal , Reads authorization number input screen information registered at the time of inputting an approval number, transmits the read authorization number input screen information to the customer terminal, and reads the payment completion screen information registered at the time of completion of payment, Pay service delivery system.
The method according to claim 1,
Related information is stored in a database for each customer identification information, stores merchandise-related information or merchandise information in a database for each merchant identification information or merchandise identification information, stores merchandise identification information or merchandise identification information transmitted from the smart- Information is stored in the form of a database for each customer identification information as payment request information or payment approval information, and the operator-related information is stored in a database for each operator identification information, and the selected item information corresponding to the selected item is stored in a database And further comprising a database.
A payment approval request signal received from the customer terminal and then transmitted to a financial settlement server after receiving a settlement approval request signal and thereafter receiving a payment approval notification signal received from the financial settlement server, After transmitting the operator access request signal received from the operator terminal, the operator main screen information is transmitted to the operator terminal, and after transmitting the selection item request signal received from the operator terminal, the selection item information An interface unit for receiving and transmitting to the operator terminal;
The merchant identification information or the merchandise information and the customer identification information in the settlement request signal transmitted from the interface unit, registers the merchant identification information or the merchandise information in the database for each customer identification information, and generates a payment approval request signal, A payment approval request unit for transferring the payment approval request to the interface unit;
The merchant identification information or the merchandise information and the customer identification information from the settlement approval signal transmitted from the interface unit, registers the merchant identification information or the merchandise information in the database for each customer identification information, and generates a payment approval notification signal, To the interface unit;
And a control unit that checks the operator authentication information from the operator access request signal transmitted from the interface unit and checks whether or not the operator authentication information is the same as the operator authentication information registered in the database and then reads the operator main screen information from the database, An operator authentication unit for communicating; And
And a selection item information providing unit for reading selection item information corresponding to the selection item request signal transmitted from the interface unit, from the database, and transmitting the selected item information to the interface unit.
8. The method of claim 7,
And transmits the SMS authentication transmission signal to the interface unit, and then transmits the SMS authentication signal from the SMS authentication request signal transmitted from the interface unit to the interface unit, An SMS authentication management unit for checking whether the SMS authentication number matches the SMS authentication number transmitted from the SMS center, and notifying the SMS approval number to the payment approval request unit; And
Further comprising a payment history management unit for checking the customer identification information in the payment history request signal transmitted from the interface unit and for reading the payment history information corresponding to the customer identification information from the database and delivering the payment history information to the interface unit. Pay Service Providers.
[11] The system of claim 8,
And generates a settlement approval request signal including merchant identification information or merchandise information and customer identification information notified from the SMS authentication management unit by notifying the SMS authentication number match.
When the customer terminal generates and transmits the information request command, the merchant NFC chip stores the merchant identification information or merchandise information, and then transmits merchant identification information or merchandise information according to the information request command;
The customer terminal receiving and displaying the merchant identification information or merchandise information, generating a payment request signal by confirming a payment request through the input means, and transmitting the payment request signal;
The smart touchpage service providing server receives the payment request signal, registers the merchant identification information, product information and customer identification information, registers the merchant identification information and product information for each customer identification information, generates a payment approval request signal, ;
The financial settlement server receives the settlement approval request signal, confirms the merchant identification information, the merchandise information and the customer identification information, checks the financial information of the merchant corresponding to the merchant identification information and checks whether the merchant is a legitimate merchant, Checking financial information of the customer corresponding to the information, checking whether the customer is a legitimate customer, performing payment, generating and transmitting a payment approval signal;
Receiving and registering the settlement approval signal, and generating and transmitting a settlement approval notification signal;
Receiving the payment approval notification signal and displaying payment approval;
Generating an operator connection request signal by transmitting the operator authentication information and the server connection request through the input means;
Receiving the operator access request signal from the smart touchpage service providing server, checking the operator authentication information, checking whether the same is identical to the registered operator authentication information, and reading and transmitting the operator main screen information;
The operator terminal receiving the operator main screen information and displaying the operator main screen, confirming the request of the selection item through the input means, generating and transmitting a selection request signal;
Receiving the selection item request signal from the smart touchpage service providing server and reading and transmitting selection item information corresponding thereto; And
And receiving and displaying the selection item information by the operator terminal.

Images