KR20190103113A - Financial transaction method of mobile equipment, apparatus thereof, and medium storing program source thereof - Google Patents

Abstract

The present invention relates to a method for performing payment in a portable terminal and an apparatus thereof and a recording medium storing a program source for the method. According to one embodiment of the present invention, a method in which a terminal uses at least one financial account information thereof to allow the other terminal to perform payment includes: a step of transmitting at least one financial account information which a terminal owns to the other terminal by using a near field communication (NFC) connection; a step of generating a registration request message which requests to register the other terminal in response to the transmitted financial account information to allow the other terminal to perform payment by using the transmitted financial account information; and a step of transmitting the registration request message to a financial institution server corresponding to the transmitted financial account information. According to the present invention, a plurality of users can perform financial payment by using one financial account information without additionally opening a financial account.

Description

Method and apparatus for performing payment in portable terminal and recording medium storing program source for the method {FINANCIAL TRANSACTION METHOD OF MOBILE EQUIPMENT, APPARATUS THEREOF, AND MEDIUM STORING PROGRAM SOURCE THEREOF}

The present invention relates to a recording medium storing a payment method and apparatus and a program source for the method, and more particularly to a recording medium storing a program source for the method and apparatus for performing payment in a portable terminal. will be.

With the expansion of electronic payment infrastructure, financial payment services based on card payments such as credit cards and check cards have become commonplace. The financial settlement service is a method in which a user purchases a product using a credit card at a merchant and pays the product to a financial institution such as a card company on the payment date, and the merchant receives payment of the product from the financial institution. Use Depending on the system building environment, a value added network (VAN) company that provides agency services related to card payments between merchants and financial institutions may be further involved.

Meanwhile, due to the development of wireless communication technology, communication modules for supporting various communication methods are mounted in various terminals such as smart phones. Among them, near field communication (NFC) technology using magnetic field induction has attracted attention for its high security, short connection setup time, and low power operation.

Recently, attempts have been made to combine such NFC technology with financial settlement services. For example, a user with a terminal equipped with an NFC financial chip with credit card information may perform a payment request by bringing his terminal to a payment terminal equipped with an NFC module when purchasing a product at a credit card merchant. have.

On the other hand, there is a request to pay for the goods to be purchased by using the credit card information of another person. For example, as described in US20100082481 A1, the parent wishes to pay for a product he or she wants to purchase using his or her credit card information, or as a US credit provider for a product purchased by an individual as disclosed in US8127928. There is a request to make a payment using card information. This is not a problem in the situation where a conventional credit card having a physical shape is borrowed. However, in the recent aspect of converting credit card information into an electronic form and storing the information in a terminal such as a smart phone, a method for resolving such a request without renting the terminal is insufficient.

Accordingly, the present invention provides a method for allowing a plurality of users to perform financial settlement using one financial account information.

Other objects to be provided by the present invention can be understood through the following embodiments.

To this end, a method for allowing a terminal to make a payment using at least one financial account information owned by the terminal according to an embodiment of the present invention may be performed by using a Near Field Communication (NFC) connection. Transmitting at least one financial account information owned to the other terminal; Generating a registration request message requesting to register the other terminal in response to the transmitted financial account information so that the other terminal can make a payment using the transmitted financial account information; And transmitting the registration request message to a financial institution server corresponding to the transmitted financial account information.

On the other hand, the terminal according to an embodiment of the present invention to perform a payment using at least one financial account information possessed by another terminal, the other terminal from the other terminal using a Near Field Communication (NFC) connection Receiving at least one financial account information in possession; And receiving, from a financial institution server corresponding to the received financial account information, a response message indicating that the terminal is registered in correspondence with the received financial account information to enable payment using the received financial account information. .

Meanwhile, an apparatus for allowing a terminal to make a payment using at least one financial account information owned by a terminal according to an embodiment of the present invention includes a Near Field Communication (NFC) communication module and wireless communication. A communication unit including a module; A security unit that stores at least one financial account information; A touch screen displaying a guide screen for transmitting financial account information and receiving at least one financial account information to be transmitted from the user to the other terminal; And transmitting the at least one financial account information selected by the user to the other terminal through the NFC communication module and allowing the other terminal to make a payment by using the transmitted financial account information. And a control unit for generating a registration request message requesting to register the other terminal in response to the information and transmitting the registration request message to the financial institution server corresponding to the transmitted financial account information through the wireless communication module.

On the other hand, the device according to an embodiment of the present invention for performing payment using at least one financial account information possessed by another terminal, a communication unit including a NFC (Near Field Communication) communication module and a wireless communication module ; And receiving at least one financial account information owned by the other terminal from the other terminal through the NFC communication module, and making payment using the received financial account information from a financial institution server corresponding to the received financial account information. And a control unit for receiving a response message indicating that the terminal is registered in response to the received financial account information through the wireless communication module.

On the other hand, in the processor-readable recording medium according to an embodiment of the present invention, transmitting at least one financial account information owned by the other terminal using a Near Field Communication (NFC) connection to another terminal; Generating a registration request message requesting to register the other terminal in response to the transmitted financial account information so that the other terminal can make a payment using the transmitted financial account information; And transmitting the registration request message to a financial institution server corresponding to the transmitted financial account information.

On the other hand, the processor-readable recording medium according to an embodiment of the present invention, receiving at least one financial account information possessed by the other terminal from another terminal using a Near Field Communication (NFC) connection; And receiving a response message indicating that the terminal is registered in correspondence with the received financial account information so that payment using the received financial account information can be made from a financial institution server corresponding to the received financial account information. The program for is recorded.

According to the present invention, there is an advantage that a plurality of users can perform financial settlement using one financial account information without additionally opening a financial account.

1 is an exemplary view for explaining the concept of a payment method according to embodiments of the present invention;
2 is an exemplary diagram for explaining a process of transmitting financial account information stored in a Payor terminal to a Payee terminal and registering the Payee terminal with a corresponding financial institution server according to an embodiment of the present invention;
3 is an exemplary diagram for explaining a process of transmitting financial account information according to an embodiment of the present invention;
4 is an exemplary view for explaining a process in which a Payee terminal is registered corresponding to financial account information according to an embodiment of the present invention;
5 and 6 are exemplary diagrams for explaining a process in which a Payee terminal performs a financial settlement according to an embodiment of the present invention;
7 and 8 are exemplary diagrams for explaining a process in which a Payee terminal performs a financial settlement according to another embodiment of the present invention;
9 is an exemplary diagram for explaining transaction restriction information according to an embodiment of the present invention;
10 is an exemplary view for explaining a process for managing a purchase history of a Payee terminal according to an embodiment of the present invention;
11 is a block diagram illustrating a payment performing device to which embodiments of the present invention are applied;
12 is an exemplary view for explaining an NFC payment terminal according to an embodiment of the present invention.

Hereinafter, in describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

As described above, in the recent aspect of performing financial settlement by storing credit card information in an electronic form in a terminal, a method for allowing a large number of users to perform financial settlement using one credit card information is insufficient. Situation.

Accordingly, the present invention provides a method for allowing a plurality of users to perform financial settlement using the same financial account information (used to include credit card information and bank account information). In addition, it provides a way to effectively control the financial settlement of others using their financial account information.

Hereinafter, with reference to the accompanying drawings will be described embodiments of the present invention.

First, the concept of a payment method according to embodiments of the present invention will be described with reference to FIG. 1.

The terminal 110 (hereinafter referred to as Payor terminal) of the user (hereinafter referred to as Payor) who wishes to allow another person to perform financial settlement using the financial account information of his / her name is referred to as the other person (hereinafter referred to as Payee). When the terminal 120 (hereinafter, referred to as a Payee terminal) of the () is close to the NFC connection between the Payor terminal 110 and the Payee terminal 120 is formed. Hereinafter, in the embodiments of the present disclosure, it is assumed that the payor terminal 110 and the payee terminal 120 have an NFC module.

Thereafter, the payor terminal 110 transmits at least one financial account information selected by the user from among at least one financial account information stored by the user to the Payee terminal 120 through the NFC connection. To this end, the payor terminal 110 may execute a financial related application at the time of NFC connection formation and display a guide screen for transmitting financial account information so that the user may select financial account information to be transmitted to the payee terminal 120. .

After the transmission of the financial account information is completed, the Payor terminal 110 uses the transmitted financial account information to make the Payee terminal 120 corresponding to the financial account information so that the Payee terminal 120 can perform the financial settlement. A registration request message is generated to request registration, and the generated registration request message is transmitted to the financial institution server 130 corresponding to the financial account information, for example, a credit card issuer server.

Thereafter, the financial institution server 130 registers the payee terminal 120 in response to the request of the payor terminal 110 in response to the corresponding financial account information, and generates a message indicating that the registration has been successfully completed. Send to 120. Registering the Payee terminal 120 in correspondence with the corresponding financial account information means, for example, mapping the unique identification number of the Payee terminal 120 to the corresponding credit card number or the unique identification number of the Payee terminal 120 to the corresponding bank account. It may be to map. Meanwhile, the financial institution server 130 may also transmit a message informing the registration to the payor terminal 110.

Thereafter, the payee terminal 120 performs the financial settlement using the financial account information received from the payor terminal 110.

As described above, according to the embodiment of the present invention, there is an advantage that the Payee can easily perform the financial settlement using the financial account information of the Payor without further opening the financial account.

In the above, the concept of the financial settlement method to which the embodiments of the present invention are applied has been described with reference to FIG. 1. Hereinafter, referring to the related drawings, the process of transmitting the financial account information stored in the Payor terminal to the Payee terminal and registering the Payee terminal with the corresponding financial institution server, and the Payee terminal performs payment using the received financial account information Divide the process to look more specifically.

First, referring to FIG. 2, a process of transmitting the financial account information stored in the payor terminal to the payee terminal and registering the payee terminal with the corresponding financial institution server will be described.

In step 201, when the Payor terminal 110 and the Payee terminal 120 are close to each other, an NFC connection is formed. At this time, the NFC connection may be made in a peer to peer (P2P) mode of the NFC communication mode. When the NFC connection is formed, the payor terminal 110 obtains a unique identification number of the payee terminal 120. The unique identification number may be, for example, an electronic serial number (ESN), a mobile identification number (MIN), or a personal identification number of the Payee terminal 120.

In step 203, the payor terminal 110 executes a financial application to guide the user to transmit financial account information to the payee terminal 120. For example, as shown in FIG. 3A, the payor terminal 110 executes and displays a financial application automatically when the NFC connection is formed or when a financial application is selected by a user. When the user selects a menu for transmitting financial account information, the payor terminal 110 displays the stored financial account information, as shown in FIG.

In step 205, the payor terminal 110 transmits at least one financial account information selected by the user to the payee terminal 120. The financial account information may be credit card information including at least one of a credit card issuer, a credit card issuer, a credit card number, an expiration date, a password and an associated bank account, or an account opening bank, bank account opener, bank account number and The bank account information may include at least one of a password.

In operation 207, the payor terminal 110 registers the payee terminal 120 in response to the corresponding financial account information so that the payee terminal 120 may perform the financial settlement using the transmitted financial account information. It generates a registration request message requesting the request, and transmits the generated registration request message to the financial institution server 130 corresponding to the financial account information. The registration request message may include at least one of corresponding financial account information, a unique identification number of the Payor terminal 110, and a unique identification number of the Payee terminal 120. When two or more financial account information corresponding to different financial institutions are transmitted, the registration request message is transmitted to each financial institution server.

Meanwhile, the financial institution server 130 stores financial account information of the user of the Payor terminal 110. The financial institution server 130 may be a credit card issuer server or an account opening bank server. An example of credit card information stored in a credit card issuer server is illustrated in FIG. The credit card information stored in the credit card issuer server includes at least one of a credit card issuer, a credit card number, an expiration date, an associated bank account, a password, and a unique identification number of the terminal. The financial institution server 130 performs user authentication based on the financial account information, the password and the terminal identification number received from the NFC payment terminal (or received from the VAN server) when Payor performs the product purchase, If the user is authenticated, the payment request is approved.

On the other hand, in step 209, when receiving a registration request message requesting to register the Payee terminal 120 in response to the financial account information from the Payor terminal 110, the financial institution server 130, The registration request message is analyzed and the Payee terminal 120 is registered in response to the corresponding financial account information. This will be described with reference to FIG. 4B.

As described above, the registration request message includes the corresponding financial account information, the unique identification number of the Payor terminal 110 and the unique identification number of the Payee terminal 120. The financial institution server 130 analyzes the received registration request message and obtains the unique identification number 'RRRRRR' of the Payor terminal 110 which transmitted the registration request message. Then, it is checked whether there is stored financial account information corresponding to the unique identification number 'RRRRRR' of the payor terminal 110. If there is financial account information stored corresponding to the unique identification number 'RRRRRR' of the payor terminal 110, the financial institution server 130 may identify the unique identification number 'PPPPPP' of the Payee terminal 120 included in the received registration request message. Register in response to the corresponding financial account information. Accordingly, when a payment request is made later, when the unique identification number of the corresponding terminal is 'PPPPPP', the financial institution server 130 may refer to the financial account information mapped to the unique identification number 'PPPPPP' to determine whether the payment is approved. Decide

In step 211, the financial institution server 160 generates a message indicating that the Payee terminal 120 is registered and transmits the message to the Payee terminal 120. In operation 213, the financial institution server 160 transmits a message indicating that the Payee terminal 120 is registered to the Payor terminal 110. Step 211 and step 213 may be omitted.

Hereinafter, referring to FIG. 5, a process of performing payment using the received financial account information by the Payee terminal will be described.

In step 501, the Payee terminal 120 obtains product information. The product information may be obtained from various electronic codes such as NFC tags, bar codes, or QR codes attached to the products. The product information includes information on at least one of a product name, a product item, and a product price.

In step 503, the Payee terminal 120 generates a payment request message including product information of a product to be purchased, financial account information to be used for payment, and its own unique identification number, and transmits the generated payment request message to the NFC payment terminal 140. do. To this end, the Payee terminal 120 displays a product information obtained from at least one product, a guide screen for allowing a user to select a product to purchase and a guide screen for selecting a financial account information to use for payment. can do. Meanwhile, the NFC payment terminal 140 may input a password corresponding to the financial account information to be used for payment from the user for user authentication.

In step 505, the NFC payment terminal 140 analyzes the payment request message received from the Payee terminal 120, generates a payment approval request message based on the analyzed information, and transmits it to the financial institution server 130. do. The payment approval request message includes a total amount of goods to be purchased, financial account information to be used for payment, and a unique identification number of the Payee terminal 120. According to an embodiment, the payment approval request message may further include a password input from the user and affiliate store information where the NFC payment terminal 140 is located, for example, a trade name and a business registration number.

In step 507, the financial institution server 130 analyzes the payment approval request message received from the NFC payment terminal 140 and determines whether to approve the payment. That is, the financial institution server 130 determines whether the financial account information corresponding to the unique identification number of the Payee terminal 120 included in the payment approval request message is stored, and if so, generates a payment approval message to generate an NFC payment terminal ( 140). According to an embodiment, when a password is transmitted together from the NFC payment terminal 140, it may be checked whether the corresponding password corresponds to the stored password corresponding to the corresponding financial account.

In step 509, the financial institution server 130 generates a payment notification message indicating that the payment was successfully made and transmits it to the Payee terminal 120. The payment notification message includes at least one of the total payment approved amount, merchant information and product information. In operation 511, the financial institution server 160 transmits a payment notification message to the payor terminal 110. Step 509 and step 511 may be omitted.

On the other hand, as described above, depending on the system building environment, between the NFC payment terminal and the financial institution server, a VAN server that performs the payment agent may be further involved. This is illustrated in FIG. 6. The VAN server 150 transfers a payment approval request message and a payment approval message between the NFC payment terminal 140 and the financial institution server 130. The rest of the process is the same as described with reference to Figure 5, the detailed description thereof will be omitted.

On the other hand, when transmitting the financial account information from the Payor terminal 110 to the Payee terminal 120, Payor may set the financial transaction of the Payee to be limited in a certain range to transmit the financial account information. For example, Payor may be set to receive permission from Payee at every financial settlement of Payee, and may limit a transaction for at least one of a transaction amount, a transaction location, a transaction period, a transaction time, and a transaction item. Hereinafter, the content of such restrictions will be described.

First, referring to FIG. 7, an embodiment in which Payor allows Payee's financial payment will be described. In the embodiment described with reference to FIG. 7, it is assumed that Payee is set to require the approval of Payor every time a financial settlement is made. Such setting may be performed by a designer in the terminal initial production process, for example, or by setting a specific field value of the financial account information to a set value when the financial account information is transmitted, or is specific to the financial account information. It can also be done by adding more fields.

Steps 701 and 709 to 719 are the same as described with reference to FIG. 5, and thus detailed description thereof will be omitted here.

In step 703, the Payee terminal 120 generates a purchase approval request message including the product information for the product to be purchased by Payee and transmits it to the Payor terminal 110.

In operation 705, the payor terminal 110 displays a guide screen through which the payor can approve the purchase according to the purchase approval request message received from the payee terminal 120. At this time, Payor may approve the purchase of all the products Payee wants to purchase, or may approve the purchase of only some products. Accordingly, the payor terminal 110 generates a purchase approval message allowing the purchase of the product selected by the payor, and transmits it to the payee terminal 120.

For example, as shown in FIG. 8A, it is assumed that the purchase approval request message received from the Payee terminal 120 includes product information on two products. In this case, when Payor selects only 'shrimp rice' except 'evening dew', the payor terminal 110 approves purchase of only 'shrimp rice', as shown in (b) of FIG. 8. A message is generated and transmitted to the Payee terminal 120.

Meanwhile, the payee terminal 120 receives a purchase approval message from the payor terminal 110 and displays the product information that is permitted to be purchased by the payee. And, if there is a confirmation of Payee, and generates a payment request message including the purchase information of the approved product and transmits to the NFC payment terminal 140.

In the above, the payment performing process according to another embodiment of the present invention has been described with reference to FIGS. 7 and 8. The embodiments described with reference to FIGS. 7 and 8 may be applied together with the embodiments described with reference to FIGS. 1 to 5.

On the other hand, as described above, in order to limit the financial transaction of the Payee, as shown in FIG. 9, the payor provides transaction restriction information on at least one of a transaction amount, a transaction place, a transaction period, a transaction time, and a transaction item. Can be set. The set transaction restriction information is combined with the financial account information and transmitted to the Payee terminal 120. The Payee terminal 120 receiving the financial account information combined with the transaction restriction information determines whether the purchase of the corresponding product is permitted by referring to the transaction restriction information combined with the financial account information when selecting a purchase product by Payee. If it is determined that the purchase is not permitted, a guide screen for notifying the payee may be displayed.

For example, Payor may limit the amount of Payee's transaction, for example, the total amount of Payee's transaction or the amount of transaction for each commodity item. Here, the total transaction amount may be the total transaction amount for a set period of time, for example, one day or one month. To this end, the Payee terminal 120 calculates the total transaction amount when there is a selection of a purchased product from Payee, and determines whether the calculated total transaction amount exceeds the criteria with reference to the transaction restriction information. If so, a message may be displayed indicating that the purchase of the selected product exceeds the criteria without generating a payment request message.

On the other hand, if there is a restriction on a transaction place in the transaction restriction information, the Payee terminal 120 determines its position when the purchase product is selected from Payee, and refers to the transaction restriction information to which the transaction has been granted. Make sure you are in the area. If it is determined that the user is not in the region where the transaction is allowed, the Payee terminal 120 may display a message indicating that the purchase of the selected product is not allowed without generating a payment request message. The determination of one's own location may be made through sensing information obtained from the GPS sensor and stored map information.

On the other hand, when there is a restriction on the transaction period or the transaction time in the transaction restriction information, the Payee terminal 120 checks the current time when there is a selection of a purchased product from Payee, and the current time is determined by referring to the transaction restriction information. Confirm that the transaction is allowed for the duration and time. If the current time does not belong to the period and time when the transaction is allowed, the Payee terminal 120 may display a message indicating that the purchase of the selected product is not allowed without generating a payment request message. In addition, the Payee terminal 120 may discard the financial account information for which the period in which the transaction is allowed. Alternatively, the financial account information that has expired may not be discarded. In this case, the expired financial account information may be used by the Payee to request a renewal of the term. That is, the payee terminal 120 may generate a message requesting the renewal of the period of use of the financial account information whose period has expired when the user requests it, and transmit the message to the payor terminal 110.

On the other hand, if there is a restriction on a product item in the transaction restriction information, the Payee terminal 120, when there is a selection of the product to be purchased from Payee, check the product information, and the transaction is permitted by referring to the transaction restriction information Check the product. That is, by checking the commodity items included in the commodity information, it is checked whether the commodity item of the commodity is a commodity item that can be purchased in the transaction restriction information. If the transaction is not allowed, the Payee terminal 120 may display a message indicating that the purchase of the selected product is not allowed without generating a payment request message.

In the above, embodiments of determining whether to trade with reference to the transaction restriction information have been described. The above embodiments are applicable together with the embodiments described with reference to FIGS. 1 to 8.

Meanwhile, when the payment notification message is received from the financial institution server 160, the payee terminal 120 may transmit product information about the product on which the payment has been made to the payor terminal 110. To this end, the Payee terminal 120, when selecting the product to be purchased by Payee, stores the information about the product, and later includes the stored product information when the payment notification message is received from the financial institution server 160 The purchase history message may be generated and transmitted to the payor terminal 110.

The payor terminal 110 analyzes a purchase history message received from the payee terminal 120 and stores information on a commodity in which a transaction is made. When a request is made by the payor, the purchase history of the payee is sorted according to the set method, and the sorted information is displayed. 10 illustrates an example of a management screen for managing a purchase history of Payee. As shown in (a) of FIG. 10, the payor terminal 110 classifies and displays the total purchase amount made in the payee terminal in a set period unit, or as shown in FIG. The total purchase amount can be classified and displayed for each product item. If there are a plurality of Payee terminals 120 through which the financial account information is transmitted, as shown in FIG. 10C, the purchase amount for each Payee terminal 120 may be displayed.

In the above, the method of performing payment according to the embodiments of the present invention has been described with reference to FIGS. 1 to 10. Hereinafter, a payment performing device to which embodiments of the present invention are applied will be described with reference to the accompanying drawings.

11 is a block diagram illustrating a payment performing device to which embodiments of the present invention are applied.

Referring to FIG. 11, a payment performing apparatus to which embodiments of the present invention are applied includes a control unit 1110, an input unit 1120, a display unit 1130, a security unit 1140, a communication unit 1150, a memory unit 1160, and the like. At least one of the sensor unit 1170.

The controller 1110 performs various control operations for transmitting and receiving financial account information and financial settlement.

In particular, the control unit 1110 of the payor terminal 110 executes a financial application when the NFC communication link is formed, and transmits at least one financial account information selected by the user to the payee terminal 120 through the communication unit 1150. And generating a registration request message requesting the Payee terminal 120 to register the Payee terminal 120 in response to the transmitted financial account information so that the Payee terminal 120 may perform a financial settlement using the transmitted financial account information. Then, the generated registration request message is transmitted to the financial institution server corresponding to the transmitted financial account information through the communication unit 1150. After the registration request message is transmitted, a response message to the registration request message is received from the financial institution server through the communication unit 1150. In addition, the controller 1110 may receive a product for the at least one product when the purchase approval request message including the product information about the at least one product is received from the Payee terminal 120 after transmitting the registration request message. The information is displayed through the display unit 1130 and a purchase approval message including at least one product selected by the payor is generated and transmitted to the payee terminal 120 through the communication unit 1150. In addition, after transmitting the registration request message, the controller 1110 transmits a payment notification message including payment history information of the Payee terminal 120 using the transmitted financial account information from the financial institution server. Receive through. In addition, the control unit 1110, after transmitting the registration request message receives and stores the product information on the goods, the payment approval is completed by the financial institution server from the Payee terminal 120 through the communication unit 1150, Upon request of the payor, the financial settlement details of the payee terminal 120 are displayed on the display unit 1130 according to the set method based on the stored product information. In addition, the controller 1110 may display a guide screen for receiving payment restriction information for at least one of an amount, a period, a location, and an item for which a financial settlement is permitted in the Payee terminal 120 from Payor. Through the display, the payment restriction information input by the user may be combined with the financial account information and transmitted to the Payee terminal 120.

Meanwhile, the control unit 1110 of the Payee terminal 120 receives at least one financial account information possessed by the Payee terminal 120 when the NFC communication link is formed through the communication unit 1150, and receives the received financial account information. The communication unit 1150 receives a response message indicating that the Payee terminal 120 is registered in correspondence with the received financial account information so that payment using the received financial account information is possible from the corresponding financial institution server. In addition, the controller 1110 generates a payment request message including product information about the at least one product selected by Payee and the received financial account information and transmits the generated payment request message through the communication unit 1150. The NFC payment terminal 140 transmits. In addition, the controller 1110 generates a purchase approval request message including product information on at least one product selected by Payee, and transmits the purchased approval request message to the payor terminal 110, and from the payor terminal 110, the at least one. Receive a purchase approval message through the communication unit 1150 to approve the purchase of the at least one product selected from the product of the, and generates a payment request message including the product information and the received financial account information for the purchase approved product; The generated payment request message is transmitted to the NFC payment terminal 140 through the communication unit 1150. In addition, the controller 1110 stores the product information included in the payment request message and pays the stored product information when a payment notification message indicating a payment approval is received from the financial institution server in response to the payment request message. Transmission to the terminal 110.

The input unit 1120 and the display unit 1130 may be touch screens. When the financial application is executed, the display unit 1130 displays various guide screens for transmitting and receiving financial account information and financial settlement. The input unit 1120 transmits a user's input on various guide screens to the controller 1110.

The security unit 1140 includes a secure element (SE) that stores financial account information, information necessary for encryption, and a financial application. The security unit 1140 encrypts and decrypts various messages transmitted and received through the communication unit. According to an implementation form, the security unit 1140 may be located in a general SIM card or may be located in an NFC-only SIM card. Alternatively, it may be located in a microSD card or in a memory built in the terminal itself. In addition, the security unit 1140 may store the address of the financial institution corresponding to the financial account information.

The communication unit 1150 includes an NFC communication module capable of NFC communication. The NFC communication module may be used for receiving product information, transmitting and receiving financial account information with a counterpart terminal, and communicating with an NFC payment terminal. In addition, the communication unit 1150 may further include a wireless communication module capable of 2G communication such as CDMA-DVDO, 3G communication such as WCDMA-HSDPA and Wi-Fi, and 4G communication such as LTE and Wibro. The wireless communication module may be used to transmit a registration request message, a purchase approval request message, a purchase approval message, a payment notification message, and the like. In addition, the communication unit 1150 may further include a code reader unit for reading various electronic codes such as a bar code or a QR code attached to a product.

The memory unit 1160 may store an application for managing purchase details and may store product information obtained from a product, and various messages received from other terminals and financial institution servers. In addition, the memory unit 1160 may store map information, and the stored map information is combined with the location information obtained by the sensor unit 1170 to be used to determine whether the terminal is located in an area where a financial transaction is permitted. Can be.

The sensor unit 1170 may include a GPS sensor. The GPS sensor detects its location and transmits it to the controller 1110.

On the other hand, in the above, the NFC payment terminal 140 has been shown and described as being located in the merchant. However, according to an embodiment, the NFC payment terminal 140 may be located around the user. For example, as shown in FIG. 12, the NFC payment terminal 140 may be implemented in a chip form and attached to a user's monitor. In this case, the user may read various electronic code information displayed on the monitor screen during online shopping through a computer and perform a payment request through the NFC payment terminal 140 attached to the user's monitor.

Embodiments of the present invention described above may be implemented in any of various ways. For example, embodiments of the present invention may be implemented using hardware, software, or a combination thereof. If implemented in software, it may be implemented as software running on one or more processors utilizing various operating systems or platforms. In addition, such software may be written using any of a number of suitable programming languages, and may also be compiled into executable machine code or intermediate code executing on a framework or virtual machine.

In addition, when embodiments of the present invention are executed on one or more processors, a processor-readable medium (eg, memory, recorded with one or more programs) for performing a method for implementing various embodiments of the present invention discussed above. Floppy disk, hard disk, compact disk, optical disk, or magnetic tape).

Claims (25)

In the operating method of the first terminal,
Receiving identification information of the second terminal from the second terminal using a near field communication (NFC) connection established between the first terminal and the second terminal;
Displaying guide screens for receiving selection information on at least one financial account information among the plurality of financial account information stored in the first terminal and payment restriction information for limiting the financial settlement in the second terminal; The payment restriction information includes at least one of a set transaction period, which is permitted for financial settlement at the second terminal, a total transaction amount during the set transaction period, or a set transaction amount for each set transaction item;
Receiving and storing the selection information and the payment restriction information for the at least one financial account information among the plurality of financial account information through the guide screens;
Combining the at least one financial account information and the payment restriction information through the NFC connection and transmitting the combined information to the second terminal; And
Registering the second terminal with a financial institution server based on the at least one financial account information associated with the identification information of the second terminal so that the second terminal can make a payment;
The second terminal is not registered in the financial institution server when the first terminal combines the at least one financial account information and the payment restriction information to the second terminal and transmits the combined information to the second terminal. After the terminal combines the at least one financial account information and the payment restriction information with the second terminal and transmits the information to the second terminal, the second terminal is registered with the financial institution server by the first terminal.
The registered second terminal performs a payment using the identification information, the at least one financial account information and the payment restriction information. The method of claim 1, wherein after registering the second terminal with the financial institution server,
Receiving a response message indicating that the second terminal is registered from the financial institution server. The method of claim 1, wherein after registering the second terminal with the financial institution server,
Receiving a purchase approval request message including product information on at least one product from the registered second terminal; And
And generating a purchase approval message for approving the purchase of at least one product selected by the user among the at least one product and transmitting the purchase approval message to the registered second terminal. The method of claim 1, wherein after registering the second terminal with the financial institution server,
And receiving a payment notification message including payment history information of the registered second terminal using the at least one financial account information from the financial institution server. The method of claim 1, wherein after registering the second terminal with the financial institution server,
Receiving and storing product information about a product for which payment approval is completed by the financial institution server from the registered second terminal; And
Displaying a total financial settlement history of the registered second terminal according to a set method based on the stored product information when the user requests the request;
The set method may be configured to sort the total amount payment details of the registered second terminal by period or item, or the total financial settlement details of each registered second terminal when there are a plurality of registered second terminals. And a method configured to be arranged for each registered second terminal. The method of claim 1, wherein registering the second terminal with the financial institution server comprises:
Generating a registration request message for the second terminal by associating the identification information of the second terminal with the at least one financial account information; And
Transmitting the registration request message to the financial institution server;
The registration request message further comprises an identification number of the first terminal. The method of claim 1, wherein the at least one financial account information,
Credit card information including at least one of a credit card issuer, a credit card issuer, a credit card number, an expiration date, a password and a linked bank account, or at least one of an account opening bank, bank account opener, bank account number and password Bank account information, including
Way. In the operation method of the second terminal,
Transmitting identification information of the second terminal to the first terminal using a Near Field Communication (NFC) connection established between the first terminal and the second terminal;
Information combining at least one financial account information selected from a plurality of financial account information stored in the first terminal from the first terminal and payment restriction information for limiting financial settlement at the second terminal through the NFC connection; Receiving, wherein the payment restriction information includes at least one of a set transaction period, a total transaction amount during the set transaction period, or a set transaction item amount for the set transaction period, through which the financial settlement at the second terminal is permitted; And
The second terminal is registered based on the at least one financial account information associated with the identification information of the second terminal so that the second terminal can make a payment from a financial institution server corresponding to the at least one financial account information. Receiving an informing response message,
When the second terminal receives the combined information of the at least one financial account information and the payment restriction information from the first terminal, the second terminal is not registered in the financial institution server, and the second terminal is After receiving the combined information of the at least one financial account information and the payment restriction information from the first terminal, the second terminal is registered with the financial institution server by the first terminal,
The registered second terminal performs a payment using the identification information, the at least one financial account information and the payment restriction information. The method of claim 8, wherein after receiving the response message,
Generating a payment request message including product information on at least one product and the at least one financial account information and transmitting the generated payment request message to the NFC payment terminal. The method of claim 8, wherein after receiving the response message,
When the financial settlement for the at least one product is selected by the second terminal, checking whether the financial settlement for the at least one product is allowed in the second terminal based on the payment restriction information;
In response to confirming that the financial settlement for the at least one product is allowable, generating and sending a purchase approval request message including product information about the at least one product to the first terminal;
Receiving a purchase approval message for approving the purchase of at least one product selected from the at least one product from the first terminal; And
And generating a payment request message including product information on the purchase approved product and the at least one financial account information and transmitting the generated payment request message to an NFC payment terminal. The method of claim 9 or 10, after the step of transmitting the payment request message,
Storing product information included in the payment request message; And
And transmitting the stored product information to the first terminal when a payment notification message indicating a payment approval is received from the financial institution server in response to the payment request message. The method of claim 8, wherein the at least one financial account information,
Credit card information including at least one of a credit card issuer, a credit card issuer, a credit card number, an expiration date, a password and a linked bank account, or at least one of an account opening bank, bank account opener, bank account number and password The bank account information comprising a. In the first terminal,
A communication unit including a near field communication (NFC) communication module and a wireless communication module;
A security unit that stores a plurality of financial account information;
touch screen; And
Receiving identification information of the second terminal from the second terminal using an NFC connection established between the first terminal and the second terminal through the NFC communication module,
Displaying guide screens for receiving selection information on at least one financial account information among the plurality of financial account information and payment restriction information for limiting the financial settlement in the second terminal on the touch screen, The settlement restriction information includes at least one of a set transaction period, which is permitted for financial settlement at the second terminal, a total transaction amount during the set transaction period, or a transaction amount for each set transaction item.
Receiving and storing the selection information and the payment restriction information for the at least one financial account information of the plurality of financial account information through the guide screen,
Through the NFC connection, the at least one financial account information and the payment restriction information are combined and transmitted to the second terminal,
And a control unit configured to register the second terminal with a financial institution server based on the at least one financial account information associated with the identification information of the second terminal so that the second terminal can make a payment. When the first terminal combines the at least one financial account information and the payment restriction information with the second terminal and transmits the information to the second terminal, the second terminal is not registered with the financial institution server. After combining the at least one financial account information and the payment restriction information with the second terminal and transmitting the combined information to the second terminal, the second terminal is registered with the financial institution server by the first terminal;
The registered second terminal performs a payment using the identification information, the at least one financial account information and the payment restriction information. The method of claim 13, wherein the control unit,
A first terminal configured to receive a response message indicating that the second terminal is registered from the financial institution server after registering the second terminal with the financial institution server. The method of claim 13, wherein the control unit,
After registering the second terminal with the financial institution server, if a purchase approval request message including product information on at least one product is received from the second terminal, the touch screen displays the product information on the at least one product. A first terminal configured to display on the display, and to generate a purchase approval message including at least one product selected by the user to transmit to the second terminal. The method of claim 13, wherein the control unit,
A first terminal configured to receive a payment notification message including payment history information of the second terminal using the at least one financial account information from the financial institution server after registering the second terminal with the financial institution server. The method of claim 13, wherein the control unit,
After registering the second terminal with the financial institution server, receives the product information on the goods for which payment approval is completed by the financial institution server from the second terminal, and stores the product information in the memory unit;
In response to a user's request, the total financial settlement history of the second terminal is set to be displayed on the touch screen based on the stored product information.
The set method may be configured to sort the total financial settlement details of the registered second terminal by period or item, or the total financial settlement details of each registered second terminal when there are a plurality of registered second terminals. A first terminal comprising a method set to be sorted by each registered second terminal. The method of claim 13,
When registering the second terminal to the financial institution server, the control unit,
Generating a registration request message for the second terminal by associating the identification information of the second terminal with the at least one financial account information;
Transmit the registration request message to the financial institution server;
The registration request message further comprises an identification number of the first terminal. The method of claim 13, wherein the at least one financial account information,
Credit card information including at least one of a credit card issuer, a credit card issuer, a credit card number, an expiration date, a password and a linked bank account, or at least one of an account opening bank, bank account opener, bank account number and password First terminal that is a bank account information comprising a. In the second terminal,
A communication unit including a near field communication (NFC) communication module and a wireless communication module; And
Transmitting identification information of the second terminal to the first terminal by using an NFC connection established between the first terminal and the second terminal through the NFC communication module,
Through the NFC connection, at least one financial account information selected from a plurality of financial account information stored in the first terminal from the first terminal and payment restriction information for limiting the financial settlement at the second terminal are combined. Receiving information, wherein the payment restriction information includes at least one of a set transaction period, a total transaction amount during the set transaction period, or a set transaction amount for each set transaction item, through which the financial settlement at the second terminal is permitted;
A financial institution server corresponding to the at least one financial account information indicating that the second terminal is registered based on the at least one financial account information associated with the identification information of the second terminal so that the second terminal can make a payment; And a control unit configured to receive a response message through the wireless communication module, wherein the second terminal receives the combined information of the at least one financial account information and the payment restriction information from the first terminal. The terminal is not registered in the financial institution server, and after the second terminal receives the combined information of the at least one financial account information and the payment restriction information from the first terminal, the second terminal is the first terminal. Registered with the financial institution server by the terminal-,
The registered second terminal performs a payment using the identification information, the at least one financial account information and the payment restriction information. The method of claim 20, wherein the control unit,
And a second terminal configured to generate a payment request message including product information on at least one product and the at least one financial account information and transmit the generated payment request message to the NFC payment terminal. The method of claim 20, wherein the control unit,
When the financial settlement for the at least one product is selected by the second terminal, it is determined whether the financial settlement for the at least one product is allowed in the second terminal based on the payment restriction information.
In response to confirming that the financial settlement of the at least one product is allowable, a purchase approval request message including product information of the at least one product is generated and transmitted to the first terminal,
Receiving a purchase approval message for approving the purchase of at least one product selected from the at least one product from the first terminal,
A second terminal configured to generate a payment request message including product information on the purchase approved product and the at least one financial account information and transmit the generated payment request message to the NFC payment terminal; The method of claim 21 or 22, wherein the control unit,
Store product information included in the payment request message and transmit the stored product information to the first terminal when a payment notification message indicating a payment approval is received from the financial institution server in response to the payment request message; 2 terminals. The method of claim 20, wherein the at least one financial account information,
Credit card information including at least one of a credit card issuer, a credit card issuer, a credit card number, an expiration date, a password and a linked bank account, or at least one of an account opening bank, bank account opener, bank account number and password The second terminal which is bank account information comprising a. A processor-readable recording medium having recorded thereon a program for performing the method according to any one of claims 1 to 7.

Images