KR20170032554A - Payment method for preventing disclosure of personal credit information and payment system using thereof - Google Patents

Payment method for preventing disclosure of personal credit information and payment system using thereof Download PDF

Info

Publication number
KR20170032554A
KR20170032554A KR1020150130026A KR20150130026A KR20170032554A KR 20170032554 A KR20170032554 A KR 20170032554A KR 1020150130026 A KR1020150130026 A KR 1020150130026A KR 20150130026 A KR20150130026 A KR 20150130026A KR 20170032554 A KR20170032554 A KR 20170032554A
Authority
KR
South Korea
Prior art keywords
payment
information
mobile communication
terminal
card
Prior art date
Application number
KR1020150130026A
Other languages
Korean (ko)
Inventor
공금석
Original Assignee
공금석
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 공금석 filed Critical 공금석
Priority to KR1020150130026A priority Critical patent/KR20170032554A/en
Publication of KR20170032554A publication Critical patent/KR20170032554A/en

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention provides a merchant terminal that generates sales information and transmits the sales information to a mobile communication terminal through local communication, generates payment information using sales information and credit card information received through local communication, To a payment server, and a payment server for performing settlement using the received payment information. The settlement system can prevent personal credit information from flowing out.
According to the present invention, there is an advantage that a card user can essentially prevent the outflow of personal credit information by performing a payment using a mobile communication terminal that receives sales information via local communication from an affiliate terminal disposed at a site at the time of settlement .

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement method for preventing leakage of personal credit information and a settlement system using the method.

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a settlement method and a payment system using the method for preventing leakage of personal credit information, and more particularly, to a settlement system using a mobile communication terminal to provide personal credit information The present invention relates to a settlement method and a settlement system using the method, which can prevent the outflow of personal credit information that can be paid without necessity.

POS (Point of Sales) system is a system that records the sales results of products installed at the cashiers and receivers of the retailers such as large discount stores, supermarkets and convenience stores. That is, a system that processes data on sales of a product at the point of sale by a computer is generally referred to as a "point-of-sale information management system". Recently, it has been used as the same terminology as the counter at large discount stores and has become an indispensable information system in the distribution industry.

The card payment can be connected to the point of sale (POS) of the merchant, or the card number of the purchaser can be obtained from an approval inquiry unit (hereinafter referred to as "merchant terminal") of a card (card of various payment means such as a card, prepaid card or debit card) And receives approval from the financial service provider server via the VAN company together with the merchant information and payment amount.

That is, when a card user makes a purchase request while presenting his / her card to a merchant to pay for the commodity, the merchant uses the merchant terminal device to request approval from the financial institution. At this time, the merchant terminal machine sends the card number, expiration date, credit information of a financial institution, merchandise order information, payment amount, and merchant information stored in the card user's card to the VAN company. The VAN company receives this information through the VAN relay system.

The VAN company's relay system that has received the payment approval request data reads out the financial institution information recorded in the card user information in the payment approval request data and transmits data related to the transaction approval request to the financial transaction company's transaction approval system do.

The transaction authorization system of the financial institution that receives the data related to the transaction approval request compares the user information, the product order information, the payment amount, and the merchant information included in the data related to the transaction approval request with its member data or merchant data, Confirm whether the transaction between the user and the merchant is valid.

The transaction approval system of the financial institution transmits the transaction approval result for the transaction approval request to the VAN relay system relaying the payment approval request, and the VAN relay system stores the approval number data and transmits it to the corresponding merchant terminal. Based on the transmitted approval data, the merchant terminal device prints the payment result on the card statement and notifies the card user

As described above, when a card user provides a card number, an expiration date, and personal credit information such as a financial service provider, which are required for card payment approval, to a merchant terminal, the transaction is approved by the merchant through the VAN company It is the way in which payments are made based on the requested and approved results.

As a prior art related to the present invention, Korean Patent Publication No. 2007-0047028 entitled " PHOESET PAYMENT SYSTEM AND ITS OPERATING METHOD USING MOBILE PHONE ", in which a barcode is generated without cash or a card, System.

However, even in the case of the above-mentioned prior art, most card users at the time of settlement at the business site provide personal credit information such as a card number, an expiration date, and a financial service provider required for card payment approval to the merchant terminal, It is difficult to solve the problems that can be leaked and exploited.

Accordingly, a new payment method and payment system capable of performing credit card payment without providing original credit information of the card user to the merchant terminal are required.

Korean Patent Publication No. 10-2007-0047028 (2007.05.04)

SUMMARY OF THE INVENTION The present invention has been conceived to solve the problems described above, and it is an object of the present invention to provide a mobile communication terminal in which a user provides card number, expiration date, personal credit information The present invention provides a payment method that can prevent the leakage of personal credit information that can be paid without any need, and a payment system using the method.

According to an aspect of the present invention, there is provided a payment system capable of preventing leakage of personal credit information, which is an embodiment of the present invention, includes a merchant terminal for generating sales information and transmitting the sales information to a mobile communication terminal through short- And a payment server for generating payment information using the received payment information, and a mobile communication terminal for transmitting the payment information to the payment server, and a payment server for performing payment using the received payment information .

According to an embodiment of the present invention, the near field communication may be NFC (Near Field Communication).

According to an embodiment of the present invention, the mobile communication terminal displays a payment request screen on a display unit, receives a card password from a card user, and generates payment information.

According to an embodiment of the present invention, the payment server compares the received payment information with user registration information including a phone number, a card number, and a password of a mobile communication terminal of a card user registered in advance, and approves payment if they match .

In another payment method for preventing leakage of personal credit information according to another embodiment of the present invention, the merchant terminal generates sales information including sales amount, affiliation number, and merchant store information input through a barcode scanner, Transmitting the information to the mobile communication terminal through NFC; generating the payment information using the sales information and the credit card information received through the short distance communication (NFC) and transmitting the generated payment information to the payment server; The payment server may perform payment using the received payment information, and the payment server may transmit the payment completion information to the merchant terminal and the mobile communication terminal.

According to the present invention as described above, the payment of money is performed by using the mobile communication terminal which receives the sales information through the short distance communication from the merchant terminal located at the site at the time of settlement, so that the outflow of the personal credit information can be fundamentally blocked There are advantages.

In other words, personal credit information is not transmitted to the merchant terminal at the time of payment of the card, so personal credit information is not stored in the merchant terminal so that leakage of personal credit information through the merchant terminal can be prevented.

FIG. 1 is a block diagram illustrating a billing system according to an embodiment of the present invention. Referring to FIG.
2 is a block diagram illustrating a mobile communication terminal according to an embodiment of the present invention.
3 is a block diagram illustrating a mobile communication terminal receiving sales information from an affiliate terminal according to an embodiment of the present invention.
4 is a flowchart illustrating a payment method that can prevent leakage of personal credit information according to an exemplary embodiment of the present invention.
5 is a flowchart illustrating an operation of a mobile communication terminal receiving sales information and requesting payment according to an embodiment of the present invention.
6 is a view illustrating a payment request screen displayed on a mobile communication terminal according to an embodiment of the present invention.

The following detailed description is merely illustrative, and is merely an example of the present invention. Further, the principles and concepts of the present invention are provided for the purpose of being most useful and readily explaining.

Accordingly, it is not intended to provide a more detailed structure than is necessary for a basic understanding of the present invention, but it should be understood by those skilled in the art that various forms that can be practiced in the present invention are illustrated in the drawings.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

2 is a block diagram for explaining a mobile communication terminal according to an embodiment of the present invention. FIG. 3 is a block diagram of a billing system according to an embodiment of the present invention. FIG. 3 is a block diagram for explaining a mobile communication terminal receiving sales information from an affiliate terminal according to an embodiment of the present invention;

As shown in FIG. 1, the payment system 1000 of the present invention includes a mobile communication terminal 100, an affiliate shop terminal 200, and a payment server 300. The settlement system 1000 transmits settlement information to the settlement server 300 through the mobile communication terminal 100 which receives the sales information from the merchant terminal 200 via the short distance communication and generates settlement information, The leakage of personal credit information of the card user can be blocked. The merchant terminal 200 can be installed on a cash register of a business site or a table on which a customer sits, and receives merchandise information including a sales amount, a merchandise name, and a merchandise count for a merchandise purchased by a customer in an off-line through a barcode scanner Sales information including the sales amount, a pseudonym number stored in advance, a business number, and the like may be generated and transmitted to the customer's mobile communication terminal through local communication. The settlement system 1000 can essentially block the risk that customer information such as a credit card number is read from a conventional merchant terminal and customer information is stored in the merchant terminal.

2, the mobile communication terminal 100 includes a control unit 110, a mobile communication unit 120, a short range communication unit 130, a display unit 140, a storage unit 160, and a payment unit 150 .

The mobile communication unit 120 may be a mobile communication module capable of connecting to a mobile communication network and transmitting a radio signal to a base station, a server, and the like. The short range communication unit 130 may perform short-range communication through Bluetooth, RFID, ZigBee, Lt; RTI ID = 0.0 > communication module. ≪ / RTI > The short range communication unit 130 includes a reader configured to include an NFC USIM (tag), an RF antenna, and an NFC CHIP (controller chip) to transmit RF signals to read a tag in a target terminal device and a writer WRITER The sales information can be received from the merchant terminal 200 through Near Field Communication (NFC).

The display unit 140 includes a sensor for displaying a payment request screen according to the execution of the payment unit and sensing a touch operation such as a touch film or a touchpad in order to receive a password, and may be used as an input device in addition to the output device .

The control unit 110 controls the overall operation of the mobile communication terminal and receives sales information from the affiliate shop terminal 200 through the local communication unit 130 or controls the payment unit 150 to be executed by the card user .

The settlement unit 150 may be an application (app) that can be executed in the mobile communication terminal. The settlement unit 150 receives the sales information received from the merchant terminal 200 and the credit card information such as the card number and valid period stored in advance in the storage unit 160 and generates the payment information by receiving the card password from the card user And a payment request unit 152 for requesting payment by transmitting the generated payment information to the payment server 300 through the mobile communication unit 120. [

6, the payment unit 150 receives a payment request from the merchant terminal 200 and stores the payment information in the payment request screen of the mobile communication terminal according to an exemplary embodiment of the present invention. FIG. 6 illustrates a payment request screen displayed on the mobile communication terminal according to an exemplary embodiment of the present invention. The credit card information stored in the credit card information storing unit and the payment request screen allowing the password input from the card user to be displayed on the display unit 140. [ The settlement request screen displayed on the display unit 140 displays sales information received from the merchant terminal 200 in the membership number display window 141 and the business number display window 142 and the sales amount display window 143, And a card information display window 145 in which a card number, an expiration date, and the like stored in advance are displayed. Also, in the payment request screen displayed on the display unit 140, the payment request screen displays a password input window 145 for confirming whether the payment information through the mobile communication terminal is based on the intention of the card user, .

When the card user selects the payment request button 146 after inputting the password, the payment information generating unit 151 generates payment information including sales information, credit card information and password displayed on the payment request screen, The payment unit 152 may transmit the generated payment information to the payment server. If the card user displays the sales information received through the NFC communication from the merchant terminal 200 differently from the mobile communication terminal 100, the card user selects the cancel button 147 and receives sales information from the merchant terminal 200 again .

The merchant terminal 200 may be a credit card terminal connected to a payment server through a POS (Point of Sales) terminal or a network, and may be a merchandise purchased through a barcode scanner 230 Type, and sales amount.

3, the merchant terminal 200 displays merchandise information such as a sales amount input through the barcode scanner 230 and merchant information such as a merchant number, an affiliate merchant number, and a telephone number stored in advance in the merchant terminal A sales information generating unit 210 for generating sales information, and a local communication unit 220 for transmitting the sales information to the mobile communication terminal 100 through local communication.

The local communication unit 220 of the merchant terminal 200 includes an NFC USIM (Tag), an RF antenna, and an NFC CHIP (Controller Chip), transmits a RF signal to a reader (reader) And may be an NFC (Near Field Communication) functioning as an input writer WRITER. The merchant terminal 200 can control the sales information generated by the sales information generator 210 to be input to the tag. When the mobile communication terminal 100 is located at a predetermined distance (about 10 cm) The mobile communication terminal can receive the sales information inputted to the tag of the affiliate shop terminal 200 through the NFC method.

The payment server 300 receives the settlement information through the mobile communication terminal 200, and when the payment request is received, the payment server 300 transmits the payment information including the phone number, the card number, and the password of the mobile communication terminal The information can be compared and, if there is a match, the payment can be approved by payment approval. The payment server 300 may be a card issuer server and may be various types of servers operated by a financial institution having card information and merchant information at the time of payment processing related to a transaction approval request.

Therefore, the settlement system 1000 of the present invention can prevent the outflow of personal credit information by performing card settlement through the mobile communication terminal 100 without transmitting the personal credit information of the card user to the merchant terminal 200 have.

FIG. 4 is a flowchart illustrating a payment method that can prevent leakage of personal credit information according to an exemplary embodiment of the present invention. FIG. 5 is a flowchart illustrating a payment method according to an exemplary embodiment of the present invention. Fig. 5 is a flowchart for explaining the operation of the terminal. Fig.

4, in the payment method, the merchant terminal 200 receives the sales amount of the merchandise purchased by the card user through the barcode scanner, generates sales information including the merchandise number, merchant store operator information stored in advance And inputs them to the tag (S41). The card user can close his or her mobile communication terminal 100 to the tag of the franchise terminal 200 to which the sales information is input and receive the sales information inputted to the tag of the franchise terminal through the NFC short distance communication (S42) . 5, the mobile communication terminal 100 receiving the sales information executes an application (S51), displays a payment request screen on the display unit, generates payment information by receiving a card password, To request payment approval (S53, S55). 4, the payment server 300 receiving the payment information from the mobile communication terminal 100 receives the payment information and the user registration information including the phone number, the card number, and the password of the mobile communication terminal of the card user registered in advance The information is compared and checked to see if they match, and payment processing is performed (S44). Finally, the payment server 300 can transmit the payment completion information according to the payment processing result to the mobile communication terminal 100 using the affiliation terminal 200 and the mobile communication terminal phone number using the affiliation number (S45 If the payment completion information is transmitted to the mobile communication terminal and the merchant terminal of the card user, the card user and the seller can finally confirm that the payment is completed and complete the transaction.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, I will understand.

Therefore, the scope of the present invention should not be limited to the above-described embodiments, but should be determined by equivalents to the appended claims, as well as the appended claims.

100: mobile communication terminal 110:
120: mobile communication unit 130:
140: Display unit 141: Display of identification number
142: Business number display window 143: Sales amount display window
144: Card information display window 145: Password input window
150: payment unit 151: payment information generation unit
152: payment request unit 160: storage unit
200: Merchant terminal 210: Sales information generating unit
220: Local communication part 230: Barcode scanner
300: Payment Server 1000: Payment System

Claims (5)

An affiliate terminal that generates sales information and transmits the sales information to the mobile communication terminal through local communication;
A mobile communication terminal for generating payment information by using the sales information and the credit card information received via the short distance communication and transmitting the payment information to the payment server,
And a payment server for performing payment using the received payment information.
The method according to claim 1,
Wherein the short-distance communication is a payment system capable of preventing leakage of personal credit information made up of NFC (Near Field Communication).
The method according to claim 1,
Wherein the mobile communication terminal displays a payment request screen on the display unit, receives the card password from the card user, and generates payment information.
The method according to claim 1,
Wherein the payment server compares the received payment information with user registration information including a phone number, a card number, and a password of a mobile communication terminal of a card user registered in advance, and approves payment when they match, Can billing system.
The merchant terminal generates sales information including the sales amount, the affiliation number, and the merchant business information inputted through the barcode scanner,
The merchant terminal transmits the sales information to the mobile communication terminal through NFC,
The mobile communication terminal generates payment information using the sales information and the credit card information received via the short distance communication (NFC), and transmits the payment information to the payment server.
The payment server performs the payment using the received payment information,
And the payment server transmits payment completion information to the merchant terminal and the mobile communication terminal.
KR1020150130026A 2015-09-15 2015-09-15 Payment method for preventing disclosure of personal credit information and payment system using thereof KR20170032554A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020150130026A KR20170032554A (en) 2015-09-15 2015-09-15 Payment method for preventing disclosure of personal credit information and payment system using thereof

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020150130026A KR20170032554A (en) 2015-09-15 2015-09-15 Payment method for preventing disclosure of personal credit information and payment system using thereof

Related Child Applications (1)

Application Number Title Priority Date Filing Date
KR1020170091517A Division KR20170087441A (en) 2017-07-19 2017-07-19 Payment method for preventing disclosure of personal credit information and payment system using thereof

Publications (1)

Publication Number Publication Date
KR20170032554A true KR20170032554A (en) 2017-03-23

Family

ID=58496213

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020150130026A KR20170032554A (en) 2015-09-15 2015-09-15 Payment method for preventing disclosure of personal credit information and payment system using thereof

Country Status (1)

Country Link
KR (1) KR20170032554A (en)

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20070047028A (en) 2005-11-01 2007-05-04 노틸러스효성 주식회사 Pos system using mobile phone and method for operating the same

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20070047028A (en) 2005-11-01 2007-05-04 노틸러스효성 주식회사 Pos system using mobile phone and method for operating the same

Similar Documents

Publication Publication Date Title
US20200051073A1 (en) System and method for enhanced token-based payments
US8965800B2 (en) Systems, methods, and computer readable media for conducting an electronic transaction via a backend server system
KR101517515B1 (en) System and method for instant payment using quick response code
US10007900B2 (en) Systems and methods for facilitating point of sale transactions
CA2898205C (en) Transaction token issuing authorities
US20160379191A1 (en) Securing sensitive user data associated with electronic transactions
KR101514749B1 (en) System and method for payment
US20120016731A1 (en) Mobile system and method for payments and non-financial transactions
KR20130008000A (en) Payment system using cord only for payment and method thereof
US20180247287A1 (en) Methods and systems for performing a mobile-to-business anywhere ecommerce transaction using a mobile device
US20140143075A1 (en) System and method for point-of-sale transactions
CA2934342C (en) Systems and methods for generating offers from tokenized contactless payments
US20180247298A1 (en) Methods and systems for communicating scanned item information between merchant equipment for scanning or selecting an item and a mobile device
KR20140099814A (en) System and method for instant payment using quick response code
KR20110103145A (en) The system and method for the instant and safe payment using a mobile communication device for both face to face and non-face to face transaction with a merchant
US9047595B2 (en) Readable indicia for medical office payment
KR101868045B1 (en) Mobile payment method in Stores
KR20160099923A (en) Method and apparatus for paying a price of product, which is selected by online shopping, in an offline shop
KR20180115250A (en) Payment method for preventing disclosure of personal credit information and payment system using thereof
KR20180026422A (en) Payment method for preventing disclosure of personal credit information and payment system using thereof
KR20170087441A (en) Payment method for preventing disclosure of personal credit information and payment system using thereof
KR20170032554A (en) Payment method for preventing disclosure of personal credit information and payment system using thereof
US9792610B2 (en) Non-payment communications using payment transaction network
KR20150019437A (en) The improved Order And Payment System
KR20120078867A (en) Method and apparatus for electronic settlement and system using thereof

Legal Events

Date Code Title Description
A201 Request for examination
E902 Notification of reason for refusal
E90F Notification of reason for final refusal
E601 Decision to refuse application
A107 Divisional application of patent