KR20200098133A - electronics settlement service by sns - Google Patents

electronics settlement service by sns Download PDF

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Publication number
KR20200098133A
KR20200098133A KR1020190015867A KR20190015867A KR20200098133A KR 20200098133 A KR20200098133 A KR 20200098133A KR 1020190015867 A KR1020190015867 A KR 1020190015867A KR 20190015867 A KR20190015867 A KR 20190015867A KR 20200098133 A KR20200098133 A KR 20200098133A
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KR
South Korea
Prior art keywords
payment
smartphone
server
sns
transaction
Prior art date
Application number
KR1020190015867A
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Korean (ko)
Inventor
정나라
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동명대학교산학협력단
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Priority to KR1020190015867A priority Critical patent/KR20200098133A/en
Publication of KR20200098133A publication Critical patent/KR20200098133A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction

Abstract

The present invention relates to a transaction and purchase method using a smartphone and SNS. According to the present invention, the transaction and purchase method using a smartphone and SNS, which uses a smartphone in which an application for linkage of a payment support server which manages customer information and payment amount as a buyer of a product, a social network service, a payment management server, and a server for linking with a social network is installed, comprises the steps of: setting a payment amount using a smartphone; transmitting a password for authentication from a payment server to a smartphone; transmitting a certain amount through SNS; and purchasing a product by direct and indirect payment.

Description

sns를 통한 전자결제 서비스 {electronics settlement service by sns}{electronics settlement service by sns}

본 발명은 소셜 네트워크 서비스를 이용해서 물건들을 전자화폐 형태로 구매할 수 있도록 고안된 전자결제 서비스이다. 스마트폰을 통해 결제 지원 서버에 인증을 받아 가맹점 단말기로 정보를 전송하여 해당 코드를 인증 받아 코드로부터 결제가 될 수 있도록 구성하였고, 또한 결제 지원 서버를 통해 상기 서비스 가입자에 한해 일정 금액의 액수를 인증 코드를 통하여 송, 입금하여 상대서비스 가입자가 해당 코드에 지정되어있는 액수만큼 결제 가능할 수 있도록 구성하였다.The present invention is an electronic payment service designed to purchase items in the form of electronic money using a social network service. It is configured so that information can be sent to the affiliated store terminal by authentication with the payment support server through the smartphone, and the code is authenticated and payment can be made from the code, and a certain amount of the amount is authenticated for the service subscriber only through the payment support server. It is configured so that the other service subscriber can pay the amount specified in the code by sending and depositing through the code.

본 발명은 SNS를 통한 전자결제 서비스 시스템 및 그 방법에 관한 것으로, 보다 상세하게는 보안성이 강화된 무선 단말기를 이용한 전자 결제 서비스 시스템 및 그 방법에 관한 것이다.The present invention relates to an electronic payment service system and method thereof through SNS, and more particularly, to an electronic payment service system and method using a wireless terminal with enhanced security.

현대인들의 생활 속에서 전자 상의 거래가 활발해지는 지금, 온라인 상으로 거래를 하거나 물건을 구입하기 위해서는 번거로운 절차를 거쳐야 한다. 하지만 본 발명을 통해 이러한 절차를 간편화 하고, 현실상에서 화폐를 들고 다니는 번거로움과 분실에 대한 우려를 해결 할 수 있다는 장점이 있다.Now that electronic transactions are becoming more active in the lives of modern people, it is a cumbersome procedure to make transactions or purchase products online. However, through the present invention, there is an advantage in that such a procedure can be simplified, and in reality, the hassle of carrying money and concerns about loss can be solved.

본 발명의 목적은, 무선단말기 가입자에 대한 암호인증 및 결제에 대한 거래인증을 동시에 또는 각각 수행하여 보안이 강화된 전자결제서비스 체계 구축 및 그 방법을 제공하는데 있다.An object of the present invention is to provide a security-enhanced electronic payment service system construction and method by simultaneously or respectively performing cryptographic authentication and transaction authentication for payment for a wireless terminal subscriber.

상기 목적을 달성하기 위하여, 본 발명의 전자결제 서비스 방법은 1) 사용자 단말기로부터 결제 지원 서버에 사용 금액 전송하는 단계; 2) 결제 서버가 서비스 가입자로부터 가입자 인증을 위한 개인 암호를 등록받는 단계; 3) 상기 확인결과 정당한 무선 단말기 가입자이면, 상기 결제서버가 상기 거래승인을 위한 상기 무선 단말기로 사용 금액의 액수에 따른 인증 코드를 전송하는 단계; 4) 인증코드를 가맹점 단말기에 입력하는 단계; 5) 가맹점 단말기에서 상기 결제 서버로 상기 코드가 인증된 코드인지 확인 요청하는 단계를 특징으로 하며 또한 추가적으로 상기 무선 단말기에서 다른 상대 단말기에 코드를 전송하여 5번과 동일한 마지막 단계를 거쳐서 구매할 수 있는 것을 특징으로 한다.In order to achieve the above object, the electronic payment service method of the present invention comprises the steps of: 1) transmitting a usage amount from a user terminal to a payment support server; 2) receiving, by the payment server, a personal password for subscriber authentication from the service subscriber; 3) if the verification result is a legitimate wireless terminal subscriber, transmitting, by the payment server, an authentication code according to the amount of the amount used to the wireless terminal for transaction approval; 4) inputting the authentication code to the affiliated store terminal; 5) It characterized by the step of requesting the payment server from the affiliated store terminal to confirm whether the code is an authenticated code, and in addition, the wireless terminal transmits the code to another counterpart terminal and purchases it through the same last step as step 5. It is characterized.

한편 본 발명의 전자 결제 서비스 시스템은, 이동 통신망을 매개로 결제 지원 서버에 접속하여 가입자 인증을 위한 개인 암호를 등록받고 사용자가 사용할 금액의 액수에 따른 거래에 대한 결제를 요청하는 무선 단말기; 상기 인증 번호를 수신하여 상기 무선 단말기에서 요청한 금액의 액수를 화면에 디스플레이 하며 결제할 수 있는 가맹점 단말기; 상기 무선 단말기의 무선 인터넷 접속을 수행하며, 무선 단말기로부터 전송된 무선 단말기 정보, 인증번호 및 개인 암호를 전송받아 상기 무선단말기로부터 전송된 가입자 정보를 근거로 정당한 가입자인지 여부를 체크하고 상기 서비스 가입자인 경우에 한하여 가맹점 단말기로 해당 가입자에 대한 상기 사용 금액 액수만큼 구매 가능하도록 전송할 수 있도록 관리하는 결제 지원 서버를 포함하는 것을 특징으로 한다.Meanwhile, the electronic payment service system of the present invention includes: a wireless terminal that accesses a payment support server via a mobile communication network, registers a personal password for subscriber authentication, and requests payment for a transaction according to the amount of the amount to be used by the user; An affiliated store terminal capable of receiving the authentication number, displaying the amount of the amount requested by the wireless terminal on a screen, and making payment; Performs wireless Internet access of the wireless terminal, receives wireless terminal information, authentication number and personal password transmitted from the wireless terminal, checks whether he is a legitimate subscriber based on the subscriber information transmitted from the wireless terminal, and is the service subscriber. It characterized in that it comprises a payment support server that manages so that it can be transmitted to the affiliated store terminal so that the amount of the used amount for the corresponding subscriber can be purchased.

이하에서는, 첨부도면을 참조하여 본 발명을 상세히 설명한다. 도면상에서 동일 또는 유사한 구성요소에 대하여는 동일한 참조번호를 부여하였다.Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. In the drawings, the same reference numerals are assigned to the same or similar components.

이상 설명한 바와 같이 가입자는 일상 생활에서 카드 및 현금을 소지하고 다니면 분실 및 도난 될 우려가 있지만 본 발명에 따르면 이러한 우려될 부분을 개선하고 별도의 수고를 들이지 않고 구매에 대한 결제를 간편하게 할 수 있는 효과가 있다. As described above, subscribers may be lost or stolen if they carry cards and cash in their daily life, but according to the present invention, these concerns can be improved and payments for purchases can be made without extra effort. There is.

또한 본 발명에 따르면 인증번호 및 가입자 확인을 이중으로 거치므로 전자 결제에 대한 보안을 한층 더 높이는 효과가있다.In addition, according to the present invention, since the authentication number and the subscriber are double-checked, there is an effect of further enhancing the security for electronic payment.

도 1은 발명에 의한 스마트폰과 sns를 이용한 거래 및 결제 방법을 나타내는 도면.
도 2는 결제 앱을 나타내는 도면.
도 3은 스마트폰 앱에 의한 결제 방법을 나타내는 도면.
도4는 sns를 통해 상대 사용자 단말에 결제 정보를 나타내는 도면.1 is a view showing a transaction and payment method using a smart phone and sns according to the invention.
2 is a view showing a payment app.
3 is a diagram showing a payment method using a smartphone app.
4 is a diagram showing payment information to a counterpart user terminal through sns.

본 발명에서 사용되는 용어는 가능한 현재 널리 사용되는 일반적인 용어를 선택하였다.As for terms used in the present invention, general terms that are currently widely used as possible were selected.

이하, 본 발명에 따른 실시예를 첨부된 도면을 참조하여 구체적으로 설명하기로 한다.Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

도1은 본 발명에 의한 스마트폰과 소셜 네트워크 서비스를 이용한 거래 및 구매 방법을 나타내는 도면이고, 도2는 결제 지원을 위한 어플리케이션을 나타낸 것이다.1 is a diagram showing a transaction and purchase method using a smart phone and a social network service according to the present invention, and FIG. 2 shows an application for payment support.

도 1 및 도 2를 참조하면, 본 발명에 의한 스마트폰을 이용한 상품 구매 시스템은 1 and 2, a product purchase system using a smartphone according to the present invention

서버 연동 어플리케이션(400)이 설치되는 스마트폰(100)과 결제 지원 Support payment with the smartphone 100 on which the server-linked application 400 is installed

서버(200)를 구비한다.A server 200 is provided.

서버 연동 어플리케이션(400)은 거래 및 구매를 위한 기반 소프트웨어로서, sns 웹 페이지와 연동된다.The server-linked application 400 is a base software for transactions and purchases, and is linked with an sns web page.

도3 및 도4를 참조하면, 서버 연동 어플리케이션(400)을 이용한 결제로 상대 단말기에 일정 금액을 송금할 수 있다.Referring to FIGS. 3 and 4, a certain amount may be transferred to a counterpart terminal through payment using the server-linked application 400.

100 : 스마트폰
200 : 결제 지원 서버
300 : 가맹점
400 : 결제 앱 아이콘100: smartphone
200: payment support server
300: affiliate store
400: payment app icon

Claims (1)

상품의 구매자인 고객 정보와 결제 정보를 포함하는 결제 관리 서버, 소셜 네트워크 서비스, 상기 결제 지원 서버 및 상기 소셜 네트워크 서비스와 연동을 위한 서버 연동 어플리케이션이 설치되는 스마트폰을 이용하는 거래 및 구매 방법으로서,
상기 스마트폰을 이용해 결제를 요청하는 단계;
결제 서버에서 인증을 위한 암호를 스마트폰으로 전송하는 단계;
sns를 통해 일정 금액을 송금하는 단계;
직접 및 간접 결제로 상품을 구매하는 단계; 를 포함하는 스마트폰과 소셜 네트워크 서비스를 이용한 거래 및 구매 방법.As a transaction and purchase method using a smartphone in which a payment management server including customer information and payment information as a purchaser of a product, a social network service, the payment support server, and a server linkage application for linking with the social network service are installed,
Requesting payment using the smartphone;
Transmitting a password for authentication from a payment server to a smartphone;
remittance of a certain amount through sns;
Purchasing a product by direct and indirect payment; Transaction and purchase method using a smartphone and social network service including a.
KR1020190015867A 2019-02-12 2019-02-12 electronics settlement service by sns KR20200098133A (en)

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Country Link
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