KR20180132583A - Method for Operating Payment by using Distinct Identification - Google Patents

Abstract

According to the present invention, a payment operating method using unique identification is performed by a server communicating with a customer terminal. The server receives payment means information of a customer to process the information to register and store the information in a storage medium designated in a network, separately and uniquely generates information to prevent duplication based on information assigned solely to the customer to link and store the information with the payment means information of the customer, and stores unique ID information including ID information stored in a designated storage area of the customer terminal and ID information stored in a designated storage area of the customer terminal to identify and authenticate the customer in a database storing personal information of the customer. When the customer terminal transmits unique ID information including ID information extracted from a designated storage area to request a payment, the server receives the unique ID information from the customer terminal. The server uses unique ID information stored in the database to authenticate the validity of the received unique ID information. When the validity of the received unique ID information is authenticated, the server processes to extract the payment means information of the customer stored in the storage medium to use the payment means information in payment processing. The unique ID information identifies and authenticates the customer requesting a payment via the customer terminal and identifies the payment means information of the customer.

Description

[0001] The present invention relates to a method for operating a payment using unique identification,

The present invention relates to a method for executing a method of executing through a server communicating with a customer terminal, the server processing the payment method information of the customer to be registered and stored in a designated storage medium on the network, And stores ID information stored in a designated storage area of the customer terminal in association with the payment means information of the customer and ID information in a designated storage area of the customer terminal in order to identify and authenticate the customer Storing the unique ID information including the unique ID information including the ID information extracted from the designated storage area in the database storing the personal information of the customer and transmitting the unique ID information including the extracted ID information from the designated storage area, Wherein the server receives unique ID information, The server authenticates the validity of the received unique ID information by using the embedded unique ID information, and when the validity of the received unique ID information is authenticated, the server extracts the payment means information of the customer stored in the storage medium, And the unique ID information identifies and authenticates a customer requesting payment through the customer terminal, And a payment operation method using unique identification for identifying payment means information.

A card (a credit card or the like) exchanges the object itself such as cash or a check because the card merchant transmits the card information of the customer to the card issuer through the network, and the card issuer is used to approve the card through the network It is relatively easy to use than the payment method, it can be easily carried without the necessity of storing cash, and the usage is steadily increasing through the wide infrastructure.

However, as a side effect of using a card such as a credit card, a card accident due to the leakage, theft, or robbery of the card information is constantly occurring, and it is time to find a new alternative for the card use.

Meanwhile, in the developing socioeconomic environment, an individual (or a corporation) has at least one personal information (for example, a resident registration number (corporation registration number), a health insurance number, a business number, etc.). Such information is often used as a means for authenticating an individual or a corporation. Since the unique information is unique and uniquely existed, the use range of the information is increasing.

The present invention is directed to a method of executing a service through a server communicating with a customer terminal, wherein the server registers the payment method information of the customer and processes the information to be stored in a designated storage medium on the network, And storing ID information stored in a designated storage area of the customer terminal and stored in a designated storage area of the customer terminal in order to identify and authenticate the customer, Storing the unique ID information including the information in the database storing the customer's personal information and transmitting the unique ID information including the ID information extracted from the designated storage area by the customer terminal, The server receives the unique ID information from the server, The server authenticates the validity of the received unique ID information using the unique ID information stored in the storage medium, and when the validity of the received unique ID information is authenticated, the server extracts the payment means information of the customer stored in the storage medium, Wherein the unique ID information identifies and authenticates a customer requesting payment through the customer terminal, And a payment operation method using unique identification that identifies payment means information.

A method of executing a settlement operation using unique identification according to the present invention is a method executed by a server communicating with a customer terminal, wherein the server registers the settlement means information of the customer and processes the settlement information to be stored in a designated storage medium on the network And storing the ID information stored in the designated storage area of the customer terminal in association with the payment method information of the customer and the ID information stored in the designated storage area of the customer terminal, A first step of storing unique ID information including ID information in a designated storage area of a terminal in a database for storing personal information of a customer; and transmitting unique ID information including ID information extracted from a designated storage area Upon request for payment, the server receives the unique ID A third step of authenticating the validity of the received unique ID information using the unique ID information stored in the database, and a third step of validating the received unique ID information, And a fourth step of processing the payment information of the customer stored in the storage medium so as to be extracted and used in payment processing, wherein the unique ID information identifies the customer who requests payment through the customer terminal, ? And identifies the payment means information.

In the payment operation method using unique identification according to the present invention, the storage medium may be included in a database for storing the unique ID information or may be included in another database on the network.

The unique ID information may include at least one of ID information to be extracted from a chip of the card of the customer and ID information that uniquely identifies a chip of the card of the customer according to the present invention, And further comprising:

In the payment operation method using unique identification according to the present invention, the unique ID information may further include information to be input through the customer terminal.

In the payment operation method using unique identification according to the present invention, the second step may further include receiving a payment amount for a payment request, and the fourth step may further include: And performing a procedure for approving settlement corresponding to the settlement amount.

A method of executing a settlement operation using unique identification according to the present invention is a method executed by a server communicating with a customer terminal, wherein the server registers the settlement means information of the customer and processes the settlement information to be stored in a designated storage medium on the network The unique identification information including unique ID information stored in the storage medium and the ID information stored in the designated storage area of the customer terminal so as not to be duplicated in order to extract the payment means information stored in the storage medium based on the information uniquely assigned to the customer, A first step of storing ID information in a database for storing personal information of a customer and a server for storing the ID information in a designated storage area of the customer terminal, A second step of receiving one or more pieces of ID information including stored ID information; A server for authenticating validity of the received one or more ID information through unique ID information stored in the database; and a third step for authenticating the validity of the received ID information, And a fourth step of processing the payment means information of the customer stored in the storage medium by using the unique ID information separately generated and used for payment processing, Storing the customer's payment means information stored in the storage medium, and authenticating the customer stored in the database.

In the payment operation method using unique identification according to the present invention, the storage medium may be included in a database for storing the unique ID information or may be included in another database on the network.

The unique ID information may include at least one of ID information to be extracted from a chip of the card of the customer and ID information that uniquely identifies a chip of the card of the customer according to the present invention, And the second step further comprises receiving at least one ID information among ID information extracted from a chip of the card of the customer and ID information that uniquely identifies a chip of the card of the customer .

In a payment operation method using unique identification according to the present invention, the unique ID information may further include ID information stored intrinsic to the customer terminal, and the second step may include receiving ID information The method comprising the steps of:

In a payment operation method using unique identification according to the present invention, the unique ID information may further include information to be input through the customer terminal, and the second step may include receiving information input through the customer terminal The method comprising the steps of:

In the payment operation method using unique identification according to the present invention, the second step may further include receiving a payment amount for a payment request, and the fourth step may further include: And performing a procedure for approving settlement corresponding to the settlement amount.

In the payment operation method using the unique identification according to the present invention, the payment means information is stored in a storage medium provided in the card company that issued the payment card corresponding to the payment means to the customer.

A method for executing a settlement operation using unique identification according to the present invention is a method executed by a server communicating with a customer's terminal, wherein the server registers the settlement means information of the customer and stores the information in a designated storage medium on the network The payment information of the customer is separately generated to uniquely identify the payment means of the registered customer and the unique ID information including the ID information issued to the customer who owns the payment means is linked with the payment means information of the customer stored in the storage medium, In a database for storing information on the customer, and in a payment using the customer's terminal, the server transmits a unique ID including the ID information issued to the customer to uniquely identify the payment means of the customer through a communication network A second step of receiving ID information; and a server A third step of comparing and authenticating the received unique ID information through ID information; and upon authentication of the unique ID information, the server extracts the payment means information of the customer stored in the storage medium using the unique ID information, And the fourth ID information is stored and managed in a designated storage area of the terminal of the customer.

In the payment operation method using unique identification according to the present invention, the storage medium may be included in a database for storing the unique ID information or may be included in another database on the network.

The unique ID information may include at least one of ID information to be extracted from a chip of the card of the customer and ID information to uniquely identify a chip of the card of the customer, And further comprising:

In the payment operation method using unique identification according to the present invention, the unique ID information may further include ID information stored in the terminal of the customer.

In the payment operation method using unique identification according to the present invention, the unique ID information may further include information to be input through the customer's terminal.

In the payment operation method using unique identification according to the present invention, the second step may further include receiving a payment amount for a payment request, and the third step may further include: And performing a procedure for approving settlement corresponding to the settlement amount.

The third step of authenticating the customer who owns the payment means by comparing the received unique ID information with the unique ID information stored in the database, do.

In the payment operation method using the unique identification according to the present invention, the payment means information is stored in a storage medium provided in the card company that issued the payment card corresponding to the payment means to the customer.

A method for executing a settlement operation using a unique identification according to the present invention is a method executed by a server communicating with a customer terminal, the server processing the settlement means information of the customer to be stored in a designated storage medium on the network, A first step of registering unique ID information including ID information to be extracted from a chip of a card of the card of the customer and storing the unique ID information in association with payment means information of the customer stored in the storage medium; A second step of receiving a settlement request based on unique ID information including ID information extracted from a chip of the card of the customer through the first ID information and the second ID information of the customer stored in the storage medium, And a third step of processing the customer's card so as to be used for payment processing, The ID information is extracted from, and uniquely identify the payment means information of the customer, characterized in that that is not used as the method of payment of the customer.

In the payment operation method using unique identification according to the present invention, the unique ID information includes ID information that uniquely identifies a chip of the card of the customer.

In the payment operation method using unique identification according to the present invention, the unique ID information may include ID information generated in order to uniquely identify the payment means of the customer.

In the payment operation method using unique identification according to the present invention, the unique ID information may further include ID information stored in the terminal of the customer.

In the payment operation method using unique identification according to the present invention, the unique ID information may further include information to be input through the customer's terminal.

In the payment operation method using unique identification according to the present invention, the settlement request may include a settlement amount requested for payment, and the third step may include: And performing a procedure for approving the settlement.

In the payment operation method using unique identification according to the present invention, the second step may further include authenticating the validity of the unique ID information in cooperation with a database storing information on the customer do.

In the payment operation method using the unique identification according to the present invention, the payment means information is stored in a storage medium provided in the card company that issued the payment card corresponding to the payment means to the customer.

A payment processing method using unique identification according to the present invention is a method executed by a server operating or interlocking a storage medium storing payment means information of a customer, And stores the unique primary information of the customer in the storage medium and stores the secondary information generated in order to uniquely identify the payment means of the customer in association with the registration of the customer's unique primary information, And storing the payment means information of the customer in advance in a storage medium and storing the linked payment information in association with the inherently generated secondary information and the payment means information of the customer, A second step of receiving a payment request for requesting the customer to use the payment method information in the payment processing, A third step of identifying the payment information of the customer stored in association with the secondary information from the storage medium by checking the secondary information on the basis of the payment information of the customer, And a fourth step of performing a procedure for accepting a payment corresponding to the request, wherein the only primary information of the customer includes information input through the customer's terminal, information stored in the customer's terminal, Wherein the settlement request includes at least one of information extracted from an IC card of an interfaced customer and the settlement request is a settlement request that does not transmit or receive settlement means information to be used in settlement processing through a communication network.

In the payment processing method using unique identification according to the present invention, the server further includes receiving payment information including a payment amount of the payment request through a communication network, And a step of accepting settlement corresponding to the settlement information by using the means information.

In the payment processing method using the unique identification according to the present invention, the second step may include receiving secondary information identifying the payment method information of the customer to be used in the payment processing corresponding to the payment request, Further comprising the step of authenticating the validity of the received secondary information using the stored secondary information upon receipt of the secondary information, wherein the third step further comprises: when the validity of the secondary information is authenticated, And the payment means information stored in association with the secondary information is extracted from the medium.

In the payment processing method using unique identification according to the present invention, the second step may include receiving the unique primary information of the customer requesting the payment, and using the stored primary information when receiving the primary information And verifying the validity of the received primary information, wherein the third step is a step of verifying the secondary information when the validity of the primary information is authenticated, And the payment means information stored in association with each other is extracted.

In the payment processing method using unique identification according to the present invention, the second step is characterized in that the payment request transmitted from the customer terminal is received through the communication network.

According to the present invention, the client can apply the inherent ID information held by the client to payment (e.g., card settlement, etc.) so that settlement can be made using only the unique ID information. Thus, the client does not need to carry the existing real card, This also has the advantage of preventing problems such as the loss of the card and the use of the card of the other person due to the loss of the card.

Further, the franchisees and the like have an advantage that the identity of the client can be more surely authenticated at the time of settlement, thereby preventing unauthorized use of the card.

Also, in the case of a credit card company, it is possible to provide a good opportunity to secure a user and increase card sales by proposing a new service using the client's unique ID information.

FIG. 1 is a diagram showing a simplified configuration of a card settlement relay processing system using personal unique ID information according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating an exemplary process of making payment for an item-based product or service through a card on which client unique ID information is recorded according to the present invention.
3 is an embodiment in which unique ID information of a client is loaded in the IC card according to the present invention.

Hereinafter, a preferred embodiment of a card payment relay processing method and system using personal ID information will be described in detail with reference to the accompanying drawings. First, a predetermined reference numeral is assigned to each component shown in each drawing do. It should be noted, however, that the same reference numerals are used for the same components shown in the different drawings.

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention. For example, the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It will be obvious to those skilled in the art. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

FIG. 1 is a diagram showing a simplified configuration of a card settlement relay processing system using personal unique ID information according to an embodiment of the present invention.

The card settlement relay processing system includes a card in which at least one personal ID information is recorded and a card information storing unit that stores the personal ID information of the client 165 and the card information of the client 165 in association with each other And a card issuer server (155) for approving payment using the card in cooperation with the relay processing server (100) at the time of a payment request using the card of the client (165) .

In addition, the card settlement relay processing system further includes at least one card terminal 160 and a network such as a VAN for interlocking with the card for performing a series of processes for the card settlement process.

Further, according to the present invention, the card may include at least one of an IC card including a unique ID of a client 165, and an MS card in which a unique ID of the client 165 is recorded (or associated) do.

For example, the unique ID of the client 165 may include a primary (direct) information (e.g., a resident registration number, a medical insurance number, a business registration number, a corporation registration number, (E.g., a specific membership card number, a specific service card number, etc.) on which the primary information is based, and the secondary information created in association with the primary information Etc.), and the client unique ID is mounted on (or linked to) the IC card or the MS card, or is mounted on the client-equipped wireless terminal.

Therefore, the client card proposed in the present invention uses the specific information itself mounted on the card as the client unique ID according to the present invention, or uses the information of the card itself as the client unique ID according to the present invention, And provides the unique ID information to the relay processing server 100, which will be described later, through the terminal 160.

For example, when the specific information mounted on the card is used as the client unique ID according to the present invention, at least one client unique ID stored in the form of an application (or data) in the IC card is extracted, In addition, when the information of the card itself is used as the client unique ID according to the present invention, the card information (for example, a card number or the like) is extracted through the terminal 160, do.

The relay processing server 100 shown in FIG. 5 associates and stores unique ID information of at least one of the client cards with at least one or more client settlement card information valid for the settlement processing, The unique ID information provided from the card terminal 160 is checked when the payment unit 165 requests payment for an arbitrary commodity using the card on which the unique ID information is recorded, Extracts the payment card information associated with the unique ID information, and requests the card settlement using the extracted payment card in conjunction with the card company 155 connected through the network.

According to the present invention, when the client 165 tries to make a payment for an item-type product or service through a card on which the unique ID information according to the present invention is recorded, the payment card actually uses the unique ID information And is stored in the storage medium 135 in association with the unique ID information.

Accordingly, the relay processing server 100 includes a server (or an institution) providing the unique ID information to the client 165 and / or a server (or an institution) providing the card in which the unique ID information is recorded .

The relay processing server 100 is connected to the card terminal 160 and the card issuer server 155 via a network and transmits the unique ID information of the at least one client card and the settlement processing At least one valid client payment card information is linked and stored in a predetermined database or the unique ID information of the at least one client card is associated with at least one or more client payment card information valid for payment processing And is interlocked with the storage medium 135 on the network where it is stored.

 The relay processing server 100 includes an acquisition unit 105, an authentication unit 115, an extraction unit 110, a card information transmission unit 120 and a personal information database 125, A history database 130, and the like.

The acquiring unit 105 in the relay processing server 100 acquires the client unique ID information provided from the card terminal 160 via the network such as the VAN and transmits the acquired client unique ID information to the authentication unit 115, And the authentication unit 115 helps authenticate the client 165 based on the unique ID information.

The authenticating unit 115 in the relay processing server 100 interlocks with the established personal information database 125 and transmits the unique ID information of the client 165, which is provided from the obtaining unit 105, The authentication unit 166 extracts a payment card associated with the unique ID information through the extracting unit 110 described below and assists the payment through the payment card.

The extracting unit 110 in the relay processing server 100 extracts the unique ID information of the client 165 based on the unique ID information of the corresponding client 165 that has been confirmed through the authentication unit 115 When the card information is requested by the storage medium 135 on the network and is provided or the relay processing server 100 includes the storage medium 135 as a database, And plays the role of extracting the payment card information of the client 165.

The information transferring unit 120 transfers the identification information of the client 165 based on the payment card information associated with the unique ID information of the client 165 extracted or provided from the storage medium 135 And to request approval of settlement in accordance with the request.

According to the present invention, the personal information database 125 in the relay processing server 100 may store at least one piece of information (e.g., a user ID, a card number, a chip serial number, Card validity period, credit information, account information, etc.).

The authentication history database 130 stores the unique ID information on the basis of the unique ID information of the client 165 provided from the terminal 160 according to the present invention, And the corresponding authentication processing details are stored in the process of performing the client authentication through the unique ID information.

According to the present invention, the relay processing server 100 is provided between the card issuer server 155 and the card terminal 160 of the merchant providing the goods or service, for example, Authentication of the client 165 via the personal unique ID information, and approval of payment for the goods-type goods or service by the card issuer server 155. Therefore, the transaction data provided from the card terminal 160 to the relay processing server 100 further includes the unique ID information and the settlement information.

Also, in another preferred embodiment of the present invention, the relay processing server 100 receives only the client unique ID information from the card terminal 160, and based on the received unique ID information, And provides the payment card information stored in association with the authentication result and the unique ID information to the card terminal 160 so that the card terminal 160 provides the payment information to the card company server 155 The payment approval process can be performed.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention.

The storage medium 135 shown in this figure can be implemented at any position on the network, and according to the present invention, payment can be made for the goods or services of the type of goods or goods through the card on which the unique ID information of the client 165 is recorded And stores and manages the client unique ID information and the payment card of the client 165 in association with each other.

The storage medium 135 is operated in conjunction with the relay processing server 100 for extracting authentication and payment card information of the client 165 according to the present invention.

The card terminal 160 shown in the figure is located in an in-or-out type merchandise or service providing store, and helps the settlement of the goods-type goods or service through the card on which the unique ID information of the client according to the present invention is recorded.

Also, in a preferred embodiment of the present invention, the card terminal 160 reads the unique ID information from the card on which the client unique ID information is recorded, and provides the unique ID information to the relay processing server 100 It plays a role.

For example, the card terminal 160 includes at least one card interface for acquiring the card information and / or application (or data) information for a transaction with a card in which client unique ID information is recorded according to the present invention (For example, the card interface includes at least one of an MS interface, a chip interface, a wireless data communication (RF, Bluetooth, wireless LAN, infrared, etc.) interface,

In addition, the card terminal 160 further includes a unique ID information input device (e.g., a keypad) for inputting unique ID information from the client 165.

The card terminal 160 may include at least one of a credit authentication terminal (CAT), a Point Of Sales (POS) system, a personal computer (PC), an automated teller machine .

FIG. 2 is a diagram illustrating an exemplary process for settlement of an item-type product or service through a card on which client unique ID information is recorded according to the present invention.

This figure shows a card (card) in which client unique ID information (e.g., a resident registration number, a medical insurance number, a business registration number, a corporation registration number, an electronic signature, a specific card number, etc.) is recorded through an agent terminal 160, Or a payment request for a product to be purchased by the client 165 through the input of the unique ID information of the client 165. The present embodiment is characterized in that at least one client unique ID information and the client 165 ) In the storage medium 135 (200).

According to the present invention, the card on which the client unique ID information is recorded includes a smart card and an MS card, and the client unique ID information and the payment card of the client 165 are at least one of a credit card, a debit card, Or more.

The client 165 is stored in the storage medium 135 in association with the client unique ID information and the payment card information of the client 165. When the client 165 uses the card containing the unique ID information or the unique ID information, (205), the card terminal (160) obtains unique ID information from the client (165) or the card (210).

The process of acquiring the unique ID information by the card terminal 160 may include receiving input from the client 165 through an input device capable of inputting predetermined unique ID information included in the card terminal 160, This is possible by reading the unique ID information from the card on which the unique ID information is recorded.

The card terminal 160 provides 215 the client unique ID information obtained through the process to the relay processing server 100 according to the present invention and the relay processing server 100 transmits the client unique ID information to the card terminal 160 Acquires the provided client unique ID information, and performs the client authentication based on the unique ID information (220).

At this time, the card terminal 160 provides transaction data including payment information including the unique ID information of the client 165 to the relay processing server 100.

If the authentication of the client 165 fails 225 due to an internal error in the absence of the unique ID information or the transmission of the unique ID information, The authentication failure history is provided to the card terminal 160, and the authentication failure history is stored in the authentication history database 130 (230).

On the other hand, when authentication of the client unique ID information transmitted from the card terminal 160 is completed (235), the relay processing server 100 transmits the settlement card 135 to the settlement card 135, (240).

According to the present invention, the storage medium 135 is connected to the network from the outside of the relay processing server 100, or exists in the form of a database in the relay processing server 100.

The storage medium 135 extracts payment card information associated with the client unique ID information at the request of the relay processing server 100 and provides the extracted payment card information to the relay processing server 100 in operation 245, (100) receives the payment card information associated with the unique ID information from the storage medium (135), and makes a payment approval request through the payment card (250).

The embodiment described in this figure is an example in which the relay processing server 100 acquires the unique ID information from the card terminal 160 and extracts and extracts the payment card information corresponding to the unique ID information in cooperation with the storage medium 135 The intermediary processing server 100 requests the client 165 to pay for the use of the goods or service using the payment card information. However, according to another embodiment of the present invention, Extracts payment card information corresponding to the unique ID information in cooperation with the storage medium 135 and provides the extracted payment card information to the card terminal 160 so that the card terminal 160 May request the card issuer server 155 to approve the payment.

3 is an embodiment in which unique ID information of the client 165 is loaded in the IC card according to the present invention.

According to the present invention, client unique ID information (e.g., resident registration number, medical insurance number, business registration number, corporation registration number, electronic signature, specific card number (bonus card number) Or the client unique ID information is loaded into a storage area in the IC card in the form of an application (or data), and the card terminal 160 extracts the client unique ID information application (or data) Or in the form of card information in the magnetic region of the MS card so that the card terminal 160 reads the unique ID information of the card information type.

In this figure, when the client unique ID information is loaded in a storage area in an IC card in the form of an application (or data), a brief description of the data structure of the unique ID information, The unique ID information is not limited to the case where the client unique ID information exists as one execution element file in the unique ID information management storage information DF under the master file MF, Or card management commands and / or card management information included in the card management program (Card Manager) of the open platform, or system commands and / or system information contained in the COS (Chip Operating System) In the form of a box.

The client card shown in the figure is based on an IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443 in order to include client unique ID information according to the present invention, (For example, a central processing unit (CPU), a micro processing unit (MPU), and a coprocessor) for data communication processing on the unique ID information in the IC chip and at least one (ROM), a random access memory (RAM), an electrically erasable programmable read only memory (EEPROM), a flash memory (FM)) and a bus (BUS And the like, and includes a contact type and / or a non-contact type for data communication with the card terminal 160.

In addition, according to the present invention, the client unique ID information is loaded on at least one of the above-described memory elements.

As shown in this figure, in order to perform settlement of goods, goods or services using the card on which the unique ID information of the client 165 is recorded, a file in the IC chip in which the client unique ID information in the client card is stored The structure generally includes one master file (MF) corresponding to a root file, at least one dedicated file (DF) classified according to a smart card service and an application, And an element file (EF) in which data and / or information for a service are stored.

For example, the unique ID information of the client 165 according to the present invention includes at least one dedicated file DF (for example, a dedicated ID information management dedicated file and the like) and at least one or more And an element file EF (e.g., a unique ID information element file).

100: Relay processing server 105:
110: extracting unit 115: authentication unit
120: Information transmission unit 125: Personal information D / B
130: authentication details D / B 135: storage medium
140: Information providing unit 145: Distinguished ID information D / B
150: Payment card information D / B 155: Card issuer server
160: Card terminal 165: Client

Claims (5)

A method executed via a server communicating with a customer terminal,
The server processes the payment method information of the customer to register and store the payment method information on a designated storage medium on the network and independently generates the payment method information uniquely generated based on the information uniquely assigned to the customer, Storing ID information stored in a designated storage area of the customer terminal and unique ID information including ID information in a designated storage area of the customer terminal in order to identify and authenticate the customer, Stage 1;
A second step in which the server transmits unique ID information including ID information extracted from a designated storage area and the server receives the unique ID information from the customer terminal when a payment is requested;
The server authenticating the validity of the received unique ID information using the unique ID information stored in the database; And
And a fourth step of, when validating the received unique ID information, the server extracting payment means information of a customer stored in the storage medium and processing the selected payment method information to be used for payment processing,
Wherein the unique ID information identifies and authenticates a customer making a payment request through the customer terminal, And the payment means information is identified based on the identification information.
The information processing apparatus according to claim 1,
Is included in the database storing the unique ID information, or
Wherein the database is included in another database on the network.
The information processing apparatus according to claim 1,
Further comprising at least one of ID information to be extracted from a chip of the card of the customer and ID information to uniquely identify the chip of the card of the customer.
The information processing apparatus according to claim 1,
And further comprising information to be input through the customer terminal.
The method according to claim 1,
The second step may further include receiving a payment amount for a payment request,
Wherein the fourth step further comprises performing a procedure for approving settlement corresponding to the settlement amount using the extracted settlement means information.

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