KR20240051479A - Method and system for providing payment services using token - Google Patents

Abstract

The present invention relates to a method and system for providing payment services using tokens, comprising: a first step in which a payment agency server receives a token issuance request signal from a payment terminal; A second step in which the payment agency server transmits a token issuance request signal to the token server, the token server generates a token, and transmits token information corresponding to the generated token to the payment agency server; A third step where the payment agency server transmits token information to the payment terminal; A fourth step in which the payment agency server receives a payment request signal from the payment terminal and transmits token information included in the payment request signal to the token server; A fifth step in which the token server obtains card number information from token information, verifies validity, and then transmits the card number information to the payment agency server; A sixth step in which the payment agency server requests payment approval by constructing a card company approval message based on the card number information and transmitting the card company approval message to the card company server; And a seventh step in which the payment agency server receives a payment approval response signal from the card company server and transmits the payment approval response signal to the payment terminal, wherein the token server provides the token information after the validity period of the token information has elapsed. Provides a method of providing a payment service using a token, characterized by deleting , and a system for performing the same.

Description

Method and system for providing payment services using tokens {METHOD AND SYSTEM FOR PROVIDING PAYMENT SERVICES USING TOKEN}

The present invention relates to a method and system for providing payment services using tokens. More specifically, when a user directly performs payment processing using a payment terminal, such as at an unmanned convenience store or charging station for an electric vehicle, a payment service is provided using tokens. It relates to a payment service provision method and system that can increase user convenience and reduce server load by providing a payment service.

Recently, there has been an increasing trend of providing payment services by allowing users to directly read credit or check cards into payment terminals, such as at unmanned convenience stores, charging stations for electric vehicles, or self-service gas stations.

For example, in the case of an unmanned convenience store, since the manager does not reside on site, authentication is performed by reading a credit or check card. If authentication is successful, entry into the store may be permitted, and when purchasing goods, the card may be used again. Since payment is made by reading the card, it is inconvenient for the user to have to read the card repeatedly several times.

Additionally, in the case of self-service gas stations or electric vehicle charging stations, there are cases where a pre-set amount is prepaid and the prepaid transaction is canceled when the actual refueled amount is approved. However, even in this case, there is the inconvenience of the user having to read the card again or continuously inserting the card into the payment terminal. In addition, there are many cases where users do not recognize this or remove their cards unconsciously, which causes the transaction process to be canceled or delayed, causing user inconvenience, and from the affiliated store's point of view, problems frequently arise where the administrator must manually cancel or proceed with the transaction. I'm doing it.

In addition, there are frequent cases where customers leave their cards without removing them from the payment terminal, which is increasing social problems.

In addition, in the case of charging stations for electric vehicles, PG (Payment Gateway) is sometimes used, but in this case, there is a problem in that personal information such as one's credit card number must be registered in advance on a specific server, and charging is completed after prepayment. At that point, you must make a secondary payment for the actual charged amount, but it is difficult to make the secondary payment if you do not make the secondary payment or the connection between the charger and the electric vehicle is disconnected, causing inconvenience to the user. is also increasing.

The present invention is intended to solve the above-described problems, and provides user convenience by providing a payment service using a token when the user directly performs payment processing using a payment terminal, such as at an unmanned convenience store or a charging station for an electric vehicle. The purpose is to provide a payment service provision method and system that can increase and reduce server load.

Another purpose of the present invention is to provide a method and system for providing payment services that can simply and efficiently provide a cancellation procedure for prepayment when payment processing for the actual amount is performed after prepayment.

Another purpose of the present invention is to provide a payment service providing method and system that can partially cancel the amount obtained by subtracting the actual amount from the prepayment amount when performing payment processing for the actual amount after prepayment.

In order to solve the problems described above, the present invention is a method of providing a payment service in a payment service providing system using a token including a payment agency server and a token server, wherein the payment agency server receives a token issuance request signal from the payment terminal. A first step of receiving; A second step in which the payment agency server transmits a token issuance request signal to the token server, the token server generates a token, and transmits token information corresponding to the generated token to the payment agency server; A third step where the payment agency server transmits token information to the payment terminal; A fourth step in which the payment agency server receives a payment request signal from the payment terminal and transmits token information included in the payment request signal to the token server; A fifth step in which the token server obtains card number information from token information, verifies validity, and then transmits the card number information to the payment agency server; A sixth step in which the payment agency server requests payment approval by constructing a card company approval message based on the card number information and transmitting the card company approval message to the card company server; And a seventh step in which the payment agency server receives a payment approval response signal from the card company server and transmits the payment approval response signal to the payment terminal, wherein the token server provides the token information after the validity period of the token information has elapsed. Provides a method of providing a payment service using a token, characterized by deleting .

Here, the token issuance request signal may include card number information among card-related information read by the payment terminal.

Additionally, in the second step, the token server may generate token information and token condition information corresponding to the card number information included in the token issuance request signal.

Additionally, the token condition information may include at least one of token validity period information, token usage number information, and token usage limit information.

Additionally, in the fourth step, the payment request signal received by the payment agency server from the payment terminal may include a payment approval full text generated by the payment terminal including token information instead of card number information.

In addition, in the fifth step, the token server can verify the validity of the received token information by determining whether it meets the token validity period information, token use number information, and token usage limit set in the token condition information. there is.

Additionally, the second step may generate a token when the token server is verified for validity by linking with the card company server.

Additionally, if an additional payment request is received from the payment terminal by the user after the seventh step, the fourth to seventh steps may be repeatedly performed.

According to another aspect of the present invention, a payment service providing system using a token including a payment agency server and a token server, the payment agency server receiving a token issuance request signal from a payment terminal and transmitting the token issuance signal to the token server; And a token server that generates a token in response to a token issuance request signal and transmits token information corresponding to the generated token to a payment agency server, wherein the payment agency server transmits the token information to the payment terminal and the payment terminal. When a payment request signal is received, the token information included in the payment request signal is transmitted to the token server, and the token server obtains card number information from the token information, verifies validity, and transmits the card number information to the payment agency server. And, when the payment agency server constructs a card company approval full text based on the card number information and transmits the card company approval full text to the card company server, requesting payment approval, and receiving a payment approval response signal from the card company server, the payment approval response signal is transmitted to the payment terminal, and the token server deletes the token information after the validity period of the token information has elapsed.

According to another aspect of the present invention, a method of providing a payment service in a payment service providing system using a token including a payment agency server and a token server, wherein the payment agency server receives a deposit payment request signal from the payment terminal. step; A second step in which the payment agency server requests payment approval by constructing a card company approval message based on the deposit payment request signal and transmitting the card company approval message to the card company server; A third step of transmitting a token issuance request signal to the token server when the payment agency server receives a payment approval response signal from the card company server; A fourth step in which the token server generates a token and transmits token information corresponding to the generated token to the payment agency server; A fifth step where the payment agency server transmits token information to the payment terminal; A sixth step in which the payment agency server receives a payment request signal from the payment terminal and transmits token information included in the payment request signal to the token server; A seventh step in which the token server acquires card number information from token information, verifies validity, and then transmits the card number information to the payment agency server; An eighth step in which the payment agency server constructs a card company approval message based on the card number information and transmits the card company approval message to the card company server, thereby requesting payment approval; And a ninth step in which the payment agency server receives a payment approval response signal from the card company server and transmits the payment approval response signal to the payment terminal, wherein the token server provides the token information after the validity period of the token information has elapsed. is deleted, and after the ninth step, the payment agency server links with the card company server to perform a procedure to cancel the deposit payment approval.

Here, the deposit payment request signal includes a payment approval message for an amount corresponding to the deposit, and the payment approval message may include identification information to indicate that the transaction is a transaction for the deposit.

Additionally, in the fourth step, the token server may generate token information and token condition information corresponding to the card number information included in the token issuance request signal.

Additionally, the token condition information may include at least one of token validity period information, token usage number information, and token usage limit information.

Additionally, in the sixth step, the payment request signal received by the payment agency server from the payment terminal may include a payment approval full text generated by the payment terminal including token information instead of card number information.

Additionally, in the seventh step, the token server can verify the validity of the received token information by determining whether it meets the token validity period information, token use number information, and token usage limit set in the token condition information. there is.

Additionally, in the fourth step, a token can be generated when the token server is verified for validity by linking with the card company server.

In addition, after the ninth step, if an additional payment request is received from the payment terminal by the user, the sixth to ninth steps may be repeatedly performed.

According to another aspect of the present invention, it is a payment service providing system using a token including a payment agency server and a token server, which receives a deposit payment request signal from a payment terminal, configures a card company approval message, and transmits the card company approval message to the card company server. A payment agency server that transmits a token issuance request signal to the token server when payment approval is requested by transmitting and a payment approval response signal is received from the card company server; And a token server that generates a token in response to a token issuance request signal and transmits token information corresponding to the generated token to a payment agency server, wherein the payment agency server transmits the token information to the payment terminal and the payment terminal. When a payment request signal is received, the token information included in the payment request signal is transmitted to the token server, and the token server obtains card number information from the token information, verifies validity, and transmits the card number information to the payment agency server. And, when the payment agency server constructs a card company approval full text based on the card number information and transmits the card company approval full text to the card company server, requesting payment approval, and receiving a payment approval response signal from the card company server, the payment approval response signal is transmitted to the payment terminal, the token server deletes the token information after the validity period of the token information has elapsed, and the payment agency server performs a procedure to cancel the deposit payment approval in conjunction with the card company server. Provides a payment service provision system using tokens, which is characterized in that:

According to another aspect of the present invention, a method of providing a payment service in a payment service providing system using a token including a payment agency server and a token server, wherein the payment agency server receives a deposit payment request signal from the payment terminal. step; A second step in which the payment agency server requests payment approval by constructing a card company approval message based on the deposit payment request signal and transmitting the card company approval message to the card company server; A third step of transmitting a token issuance request signal to the token server when the payment agency server receives a payment approval response signal from the card company server; A fourth step in which the token server generates a token and transmits token information corresponding to the generated token to the payment agency server; A fifth step where the payment agency server transmits token information to the payment terminal; A tenth step in which the payment agency server receives a partial cancellation request signal from the payment terminal, constructs a card company cancellation telegram corresponding to the partial cancellation request signal, and transmits the card company cancellation telegram to the card company server; And an 11th step wherein the payment agency server receives a partial cancellation response signal from the card company server and transmits the received partial cancellation response signal to the payment terminal, wherein the partial cancellation request signal is transmitted to the actual payment amount corresponding to the deposit. A method of providing a payment service using a token is provided, which includes a partial cancellation message for partially canceling the amount minus the amount to be paid.

According to another aspect of the present invention, it is a payment service providing system using a token including a payment agency server and a token server, which receives a deposit payment request signal from a payment terminal, configures a card company approval message, and transmits the card company approval message to the card company server. A payment agency server that transmits a token issuance request signal to the token server when payment approval is requested by transmitting and a payment approval response signal is received from the card company server; And a token server that generates a token in response to a token issuance request signal and transmits token information corresponding to the generated token to a payment agency server, wherein the payment agency server transmits the token information to the payment terminal and the payment terminal. When a partial cancellation request signal is received from the card company, a card company cancellation telegram corresponding to the partial cancellation request signal is constructed and the card company cancellation telegram is transmitted to the card company server, and when a partial cancellation response signal is received from the card company server, the received partial cancellation response signal is is transmitted to the payment terminal, and the partial cancellation request signal includes a partial cancellation message for partially canceling the amount corresponding to the deposit minus the actual amount to be paid. Providing a payment service using a token, characterized in that Provides a system.

According to the present invention, when a user directly performs payment processing using a payment terminal, such as at an unmanned convenience store or an electric vehicle charging station, the user's convenience can be increased and the server load can be reduced by providing a payment service using a token. A payment service provision method and system can be provided.

In addition, the present invention has the effect of providing a simple and efficient cancellation procedure for prepayment when payment processing for the actual amount is performed after prepayment.

In addition, the present invention can provide a payment service providing method and system that can partially cancel the amount obtained by subtracting the actual amount from the prepayment amount when performing payment processing for the actual amount after prepayment.

In addition, according to the present invention, the inconvenience of inserting the card into the card slot or reading the card again until payment processing for the actual amount is made after prepayment is eliminated, and the user is not aware of this or unconsciously uses the card. By removing it from the input slot, the transaction process is canceled or delayed, causing inconvenience to users, and from the merchant's perspective, it is also possible to solve the problem of employees having to manually cancel or proceed with the transaction.

Figure 1 is a diagram showing the overall configuration and connection relationship of the payment service providing system 100 using tokens according to the present invention.
FIG. 2 is a diagram illustrating an embodiment of a method of providing a payment service using a token performed in the system 100 of FIG. 1.
Figure 3 shows an example of a token.
Figure 4 is a diagram showing a method of providing a payment service using a token according to another embodiment of the present invention.
Figure 5 is a diagram showing a method of providing a payment service using a token according to another embodiment of the present invention.
Figure 6 is a diagram showing a method of providing a payment service using a token according to another embodiment of the present invention.
Figure 7 is a diagram showing a method of providing a payment service using a token according to another embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described in detail with reference to the accompanying drawings.

Figure 1 is a diagram showing the overall configuration and connection relationship of the payment service providing system 100 using tokens according to the present invention.

Referring to FIG. 1, a payment service providing system 100 using a token according to the present invention (hereinafter simply referred to as “system 100”) includes a payment agency server 10 and a token server 20.

The system 100 is connected to the payment terminal 200 and the card company server 300 through networks such as the Internet, public telephone network, and mobile communication network to provide a payment service using tokens.

Here, the payment terminal 100 refers to a conventional terminal deployed at a remote affiliated store, such as a store, gas station, electric vehicle charging station, unmanned store, etc., to perform a payment service using a credit card or check card, etc. For convenience, only one is shown.

In addition, the card company server 300 is a server deployed at the card company to provide payment services using credit cards, check cards, etc. There may be a plurality of servers, but only one is shown for convenience of explanation.

Since the payment terminal 100 and the card company server 300 themselves are known in the prior art and are not a direct object of the present invention, their detailed description will be omitted here.

The system 100 according to the present invention uses a token between the payment terminal 200 and the card company server 300 in providing payment services when goods or services are purchased through the payment terminal 200. It is characterized by providing a payment service.

First, a brief description of the conventional general payment service process is as follows.

The payment terminal 200 reads a card used for payment, such as a credit card or check card, generates a payment approval message for card payment, and transmits it to the payment agency server 10.

The payment agency server 10 may be, for example, a conventionally known VAN server or a PG (Payment Gateway) server, and the payment agency server 10 may perform general functions such as checking whether a card is included in a black list. After performing the verification process, if the verification is successful, the card company's payment approval full text is constructed based on the payment approval full text and transmitted to the card company server 300.

The card company server 300 determines whether to approve the card payment based on the card company's payment approval full text, and if it determines to approve it, transmits a card payment approval response signal to the payment agency server 10, and the payment agency server 10 Transmits a card payment approval response signal to the payment terminal 200.

Afterwards, the payment terminal 200 performs procedures such as printing a sales slip, thereby completing the card payment procedure.

Meanwhile, in performing this conventional general payment service, the system 100 in the present invention is characterized by providing a payment service using a token issued by the token server 20. Hereinafter, This will be described in detail with reference to Figure 2 below.

FIG. 2 is a diagram illustrating an embodiment of a method of providing a payment service using a token performed in the system 100 of FIG. 1.

Referring to FIG. 2, first, the payment terminal 200 transmits a token issuance request signal to the payment agency server 10 (S100).

Here, the token issuance request signal may be generated in the payment terminal 200 and transmitted to the payment agency server 10 when the card-related information of the card to be used for payment is read in the payment terminal 200.

For example, if a credit card or check card is an IC card, when the IC card is inserted into the IC card insertion port of the payment terminal 200, the payment terminal 200 reads the card-related information and generates a token issuance request signal to send to the payment agent. It can be transmitted to the server 10.

Meanwhile, if the credit card or check card is an MS (magnetic stripe) card, and the card is read by the magnetic reader of the payment terminal 200, the payment terminal 200 reads the card-related information and generates a token issuance request signal. It can be transmitted to the payment agency server 10.

Here, the token issuance request signal includes at least card number information among the read card-related information, and may further include other card-related information (e.g., card expiration date information, etc.) if necessary.

The payment agency server 10, which receives the token issuance request signal, transfers it to the token server 20 (S110), and the token server 20 generates a token (S120).

Here, generating a token means generating token information and token condition information, which are unique information corresponding to the card number information included in the token issuance request signal.

Token information can be generated by encrypting card number information using a conventionally known encryption algorithm, and token condition information may include at least one of token validity period information, token use number information, and token usage limit information. .

Figure 3 shows an example of a token.

As shown in Figure 3, the token consists of token ID, token information, and token condition information.

Token ID is identifier information to identify the token, and token information is an encrypted value of card number information. Since the card number information is included in the card-related information transmitted from the payment terminal 200, token information can be obtained by encrypting it.

Since the token information is included instead of the card number in the card number field included in the payment approval full text, as will be described later, it is desirable to match the number of digits of the card number.

Token condition information includes at least one of token validity period information, token use number information, and token use limit information.

Token validity period information indicates the period and time during which the token is valid, token usage count information indicates the maximum number of times the token can be used, and token usage limit information indicates the maximum payment amount that can be used by the token.

These token validity period information, token use number information, and token usage limit information are used as a judgment standard to verify validity in the token server 20 when performing payment services using tokens in the future, and In this case, it may be judged as invalid.

Additionally, after the validity period has elapsed, the token may be deleted from the token server 20 so that it can no longer be used.

The token server 20 generates a token in this way and transmits the token information included in the token to the payment agency server 10 (S130). At this time, token condition information can be transmitted along with token information.

The payment agency server 10 transmits the token information back to the payment terminal 200 (S140), and the payment terminal 200 stores the delivered token information (S150).

Thereafter, the payment terminal 200 waits until the payment fee is confirmed, and when the payment fee is confirmed (S160), it transmits a payment request signal to the payment agency server 10 (S170).

Confirmation of the payment fee means that the payment fee for the user to make the payment through the payment terminal 200 is confirmed. For example, in the case of an unmanned store, the barcode printed on the product to be purchased is read by the scanner and then the payment button is pressed. It can be confirmed by the method of selecting .

Here, the payment request signal includes the payment approval full text generated when performing a general card payment. However, the payment request signal is different in that token information is included instead of the card number information generally included in a typical payment authorization message. That is, the payment terminal 200 generates a payment approval message by including token information instead of card number information.

If the number of digits in the token information does not match the number of digits in the card number information, the missing field can be filled with a preset value.

Meanwhile, the payment request signal may include other payment approval information, which is information necessary to construct a general payment approval full text.

Here, the payment approval information may generally include card-related information, payment-related information, and other additional information, which may be changed according to what is preset in the payment agency server 10 and the card company server 300. .

Card-related information may include, for example, at least one of information such as card expiration date information, PIN information, country code information, currency code information, transaction type information, and ARQC information, and in the step S100. It can be obtained from the card when the card is read to transmit a token issuance request signal.

Payment-related information may include payment amount information and installment information, and other additional information may be information such as, for example, an identifier (ID) of the payment terminal 200.

In this way, the payment terminal 200 transmits the payment request signal to the payment agency server 10, and the payment agency server 10 transmits the token information included in the received payment request signal to the token server 20 ( S180).

The token server 20 obtains card number information by decoding the received token information, verifies validity, and then transmits the card number information to the payment agency server 10 (S190, S200).

Here, verification of validity means determining whether the received token information meets the validity period, number of uses, and usage limit set in the token condition information as described in FIG. 3.

For example, if the validity period information has expired, the number of uses has been exceeded, or the usage limit has been exceeded, the information may be determined to be invalid and the payment process may be stopped.

The payment agency server 10, which has received the card number information, performs a predetermined verification procedure, checks the card company server 300 that will approve the payment, and configures the card company approval full text for the card company server 300, Payment approval is requested by transmitting the card company approval full text to the corresponding card company server 300 (S210).

The card company approval full text may include card-related information, payment-related information, and other additional information, as preset in the payment agency server 10 and the card company server 300.

In addition to card number information, other information required for card company approval can be obtained from information included in the payment request signal transmitted in step S170.

The card company server 300 determines whether to approve the transaction based on the received card company approval message according to a preset method, and if it is determined to approve the transaction, it sends a payment approval response signal to the payment agency server 10. Transmit to (S220).

The payment agency server 10, which receives the payment approval response signal from the card company server 300, transmits the payment approval response signal to the payment terminal 200 (S230).

Thereafter, the token server 20 deletes the corresponding token information when the validity period has elapsed (S240).

Although not shown, if necessary, the token server 20 may request the payment terminal 200 to delete the token information after deleting the token, and the payment terminal 200 may thereby delete the stored token information.

According to this embodiment, for example, an affiliated store such as an unmanned store or self-service gas station can read the card once for the first time, generate a token correspondingly, and use this to construct the full text used for payment approval, so that the card is used again when making the actual payment. It has the advantage of not having to be read. For example, when a user enters an unmanned store, the user has to read the card, select the desired product, and then insert the card into the slot again to read it. Instead, payment services can be made simply by reading the barcode of the product. there is.

Figure 4 is a diagram showing a method of providing a payment service using a token according to another embodiment of the present invention.

Figure 4 is the same as the method in the embodiment of Figure 2, but the token server 20 performs a procedure (S250) to verify validity in conjunction with the card company server 300 and generates a token only when validity is verified. There is a difference in that respect.

Here, the method of verifying validity is, for example, the token server 20 transmits a card company approval message containing a small payment amount (e.g., 100 won) to the card company server 300, and this is normally approved and sent to the card company server 300. This may be the case when a card company approval response signal is received from .

At this time, when the card company approval response signal is received, a cancellation message to cancel the payment is generated and transmitted to the card company server 300 to cancel the payment and generate a token.

Meanwhile, in the case of FIG. 4, since the card company approval full text must be generated for validation, the token issuance request signal transmitted from the payment terminal 200 to the payment agency server 10 contains the information necessary to generate the card company approval full text. needs to be included.

Therefore, in the embodiment of FIG. 2, the token issuance request signal may include only card number information, but in the embodiment of FIG. 4, other card-related information (e.g., card expiration date) required to generate the card company approval full text in addition to card number information information, etc.) need to be included.

Figure 5 is a diagram showing a method of providing a payment service using a token according to another embodiment of the present invention.

Figure 5 is the same as the embodiment described in Figures 2 to 4, but differs in that it allows secondary payment to be performed within a range corresponding to token condition information.

That is, if the user wishes to make a secondary payment again after the payment terminal 200 receives the payment approval response signal in step S230 of FIG. 2, the process as described in steps S160 to S230 The difference is that it is performed again.

For example, if a secondary payment is additionally requested by the user in the payment terminal 200 (S250), payment processing can be performed by returning to step S160 and performing the same process as described above.

In this case, as described in step S190, when the token server 20 verifies validity, it is determined whether the received token information corresponds to the standard of the token condition information set, and if it corresponds to the standard, the subsequent procedure is performed. can do.

For example, if validity period, number of uses, and usage limit information are set in the token information, if any of the information does not meet the criteria, it may be determined to be invalid and the subsequent procedure may be terminated.

According to the embodiment of FIG. 5, if it is within the range corresponding to the token condition information, if the user needs to make a second payment after the first payment using the card, a procedure for reading the card again into the payment terminal 200 is required. Since there is no need to perform steps S100 to S140 again, there is an advantage in that user convenience can be improved and the server load can be reduced.

Figure 6 is a diagram showing a method of providing a payment service using a token according to another embodiment of the present invention.

Figure 6 is similar to the embodiment of Figure 2, but the difference is that it includes the process of generating a token to perform a payment service when payment for the deposit is approved and canceling the payment for the deposit after the payment is completed. there is.

Referring to FIG. 6, the payment terminal 200 transmits a deposit payment request signal to the payment agency server 10 (S300).

The deposit payment request signal includes a payment approval full text for an amount equivalent to the deposit. This payment approval text is similar to a general card payment approval text, but may include identification information to indicate that the transaction is a deposit transaction. Here, the payment amount is an amount corresponding to a preset deposit, for example, a preset amount such as 150,000 won. Of course, the deposit may be set differently depending on the affiliated store where the payment terminal 200 is installed.

A deposit payment request signal is generated in the payment terminal 200 when the card-related information of the card to be used for payment is read by the payment terminal 200 and transmitted to the payment agency server 10.

The payment agency server 10, which receives the deposit payment request signal, performs a preset verification procedure, confirms the card company server 300 that will approve the payment, configures the card company approval full text for the card company, and configures the card company server (300) to approve the payment. Request deposit payment approval by sending the card company approval full text to 300) (S310).

The card company server 300 determines according to a preset method whether to approve the transaction based on the received card company approval message, and when it is determined to approve the transaction, it sends a deposit payment approval response signal to the payment agency server (10). ) (S320).

The payment agency server 10, which has received the deposit payment approval response signal, transmits a token issuance request signal to the token server 20 (S110).

Here, the token issuance request signal includes at least card number information among the read card-related information, as previously described in FIG. 2, and may further include other card-related information (e.g., card expiration date information, etc.) if necessary. You can. This information can be obtained from the information included in the deposit payment request signal.

Meanwhile, after the above step (S320), the payment agency server 10 may transmit a deposit payment approval response signal to the payment terminal 200 (S330).

Thereafter, a payment service using a token is performed by performing steps S120 to S230 as described in FIG. 2.

In this process, the payment amount in step S160 is the actual amount to be paid and is less than the deposit. For example, if the deposit is set as 150,000 won, the actual payment amount is less than 150,000 won.

Additionally, in this embodiment, a deposit payment approval cancellation procedure must be performed. After the payment agency server 10 transmits a payment approval response signal to the payment terminal 200 in step S230, it is sent to the card company server 300. Request cancellation of deposit payment approval (S340).

This is to cancel the deposit payment transaction that was approved through steps S300 to S330. That is, the payment agency server 10 constructs a card company cancellation telegram for the approved deposit payment transaction and transmits it to the card company server 300 (S340).

The card company server 300 cancels approval of the deposit payment based on the card company cancellation message, performs the necessary procedures, and then transmits a deposit payment approval cancellation response signal to the payment agency server 10 (S350). (10) performs the necessary procedures to cancel the deposit payment transaction and then transmits a deposit payment approval cancellation response signal to the payment terminal 200 (S360).

Thereafter, as described above, the token server 20 deletes the corresponding token information when the validity period has elapsed (S240).

According to this embodiment, a deposit, which is a pre-set temporary amount, is paid for an unconfirmed transaction whose payment amount cannot be confirmed, and when the payment amount is confirmed, the payment is processed as a confirmed transaction, and then the deposit payment transaction is processed. It has the advantage of making it easy to carry out the payment cancellation process and improving the reliability and security of the transaction by performing this process using token information.

Meanwhile, of course, the method of performing secondary payment described with reference to FIG. 5 can also be applied to the embodiment of FIG. 6.

Figure 7 is a diagram showing a method of providing a payment service using a token according to another embodiment of the present invention.

Figure 7 is similar to the embodiment of Figure 6, but is characterized in that the payment terminal 200 performs a procedure to partially cancel the amount excluding the actual amount to be paid.

In the embodiment of FIG. 7, steps S300 to S150 are the same as those in FIG. 6, so detailed descriptions are omitted.

However, in step S160, after the payment fee is confirmed, the payment terminal 200 does not transmit a payment request for the actual payment amount to the payment agency server 10 as shown in FIG. 6, but makes the actual payment from the deposit amount. A partial cancellation request signal including a partial cancellation message for partially canceling the amount minus the amount to be paid is transmitted to the payment agency server 10 (S400). For example, if the deposit is 150,000 won and the actual amount to be paid is 50,000 won, a partial cancellation request signal for 100,000 won is transmitted to the payment agency server 10.

The payment agency server 10 constructs a card company cancellation message corresponding to the partial cancellation request signal and transmits the partial cancellation request signal to the card company server 300 (S410).

The card company server 300 approves the partial cancellation payment based on the card company cancellation message and then transmits a partial cancellation response signal to the payment agency server 10 (S420), and the payment agency server 10 sends a partial cancellation response signal. It is transmitted to the payment terminal 200 (S430).

According to the embodiment of FIG. 7, after the deposit payment, the amount obtained by subtracting the actual payment amount from the deposit payment can be partially canceled without the need to approve the actual payment amount and perform a procedure to cancel the deposit payment, thereby reducing the load on the server. It has the advantage of reducing transactions.

Although the present invention has been described above with reference to preferred embodiments of the present invention, it should be noted that the present invention is not limited to the above embodiments and that various other modifications and variations are possible.

For example, in the above embodiments, the token server 20 and the payment agency server 10 are shown as separate servers, but this is functional and can of course be integrated into one server.

100...Payment service provision system using tokens
200...Payment terminal
300...Card company server
10...Payment agency server
20...Token server

Claims (20)

A method of providing payment services in a payment service provision system using tokens including a payment agency server and a token server,
A first step in which the payment agency server receives a token issuance request signal from the payment terminal;
A second step in which the payment agency server transmits a token issuance request signal to the token server, the token server generates a token, and transmits token information corresponding to the generated token to the payment agency server;
A third step where the payment agency server transmits token information to the payment terminal;
A fourth step in which the payment agency server receives a payment request signal from the payment terminal and transmits token information included in the payment request signal to the token server;
A fifth step in which the token server obtains card number information from token information, verifies validity, and then transmits the card number information to the payment agency server;
A sixth step in which the payment agency server requests payment approval by constructing a card company approval message based on the card number information and transmitting the card company approval message to the card company server; and
Step 7, where the payment agency server receives a payment approval response signal from the card company server and transmits the payment approval response signal to the payment terminal.
Including,
A method of providing a payment service using a token, characterized in that the token server deletes the token information after the validity period of the token information has elapsed.
In claim 1,
A method of providing a payment service using a token, wherein the token issuance request signal includes card number information among card-related information read from a payment terminal.
In claim 2,
In the second step, the token server generates token information and token condition information corresponding to card number information included in the token issuance request signal.
In claim 3,
The token condition information includes at least one of token validity period information, token usage number information, and token usage limit information.
In claim 1,
In the fourth step, the payment request signal received by the payment agency server from the payment terminal includes a payment approval full text generated by the payment terminal including token information instead of card number information. Providing a payment service using a token. method.
; In claim 1,
In the fifth step, the token server verifies the validity of the received token information by determining whether it meets the token validity period information, token use count information, and token usage limit set in token condition information. A method of providing payment services using tokens.
In claim 1,
The second step is a method of providing a payment service using a token, characterized in that the token server generates a token when validity is verified by linking with the card company server.
In claim 1,
After the seventh step, if an additional payment request is received from the payment terminal by the user, the fourth to seventh steps are repeated.
A payment service provision system using tokens including a payment agency server and a token server,
A payment agency server that receives a token issuance request signal from the payment terminal and transmits the token issuance signal to the token server; and
Token server that generates tokens in response to token issuance request signals and transmits token information corresponding to the generated tokens to the payment agency server.
Including,
The payment agency server transmits token information to the payment terminal, and when receiving a payment request signal from the payment terminal, transmits the token information included in the payment request signal to the token server,
The token server obtains card number information from token information, verifies validity, and transmits the card number information to the payment agency server,
The payment agency server requests payment approval by constructing a card company approval message based on the card number information and transmitting the card company approval message to the card company server. When a payment approval response signal is received from the card company server, the payment approval response signal is used to make a payment. send to the terminal,
A payment service providing system using a token, wherein the token server deletes the token information after the validity period of the token information has elapsed.
A method of providing payment services in a payment service provision system using tokens including a payment agency server and a token server,
A first step in which the payment agency server receives a deposit payment request signal from the payment terminal;
A second step in which the payment agency server requests payment approval by constructing a card company approval message based on the deposit payment request signal and transmitting the card company approval message to the card company server;
A third step of transmitting a token issuance request signal to the token server when the payment agency server receives a payment approval response signal from the card company server;
A fourth step in which the token server generates a token and transmits token information corresponding to the generated token to the payment agency server;
A fifth step where the payment agency server transmits token information to the payment terminal;
A sixth step in which the payment agency server receives a payment request signal from the payment terminal and transmits token information included in the payment request signal to the token server;
A seventh step in which the token server acquires card number information from token information, verifies validity, and then transmits the card number information to the payment agency server;
An eighth step in which the payment agency server constructs a card company approval message based on the card number information and transmits the card company approval message to the card company server, thereby requesting payment approval; and
Step 9, where the payment agency server receives a payment approval response signal from the card company server and transmits the payment approval response signal to the payment terminal.
Including,
The token server deletes the token information after the validity period of the token information has elapsed,
After the ninth step, the payment agency server performs a procedure to cancel the deposit payment approval in conjunction with the card company server.
In claim 10,
The deposit payment request signal includes a payment approval text for an amount corresponding to the deposit, and the payment approval text includes identification information to indicate that the transaction is a deposit transaction. Payment using a token How we provide services.
In claim 10,
In the fourth step, the token server generates token information and token condition information corresponding to the card number information included in the token issuance request signal.
In claim 12,
The token condition information includes at least one of token validity period information, token usage number information, and token usage limit information.
In claim 10,
In the sixth step, the payment request signal received by the payment agency server from the payment terminal includes a payment approval full text generated by the payment terminal including token information instead of card number information. Providing a payment service using a token. method.
; In claim 10,
In the seventh step, the token server verifies the validity of the received token information by determining whether it meets the token validity period information, token use number information, and token usage limit set in token condition information. A method of providing payment services using tokens.
In claim 10,
The fourth step is a method of providing a payment service using a token, wherein the token server generates a token when validity is verified by linking with the card company server.
In claim 10,
After the ninth step, if an additional payment request is received from the payment terminal by the user, the sixth to ninth steps are repeated.
A payment service provision system using tokens including a payment agency server and a token server,
Requesting payment approval by receiving a deposit payment request signal from the payment terminal, constructing a card company approval message, and transmitting the card company approval message to the card company server. When receiving a payment approval response signal from the card company server, a token issuance request signal is sent to the token server. Payment agency server that transmits; and
Token server that generates tokens in response to token issuance request signals and transmits token information corresponding to the generated tokens to the payment agency server.
Including,
The payment agency server transmits token information to the payment terminal, and when receiving a payment request signal from the payment terminal, transmits the token information included in the payment request signal to the token server,
The token server obtains card number information from token information, verifies validity, and transmits the card number information to the payment agency server,
The payment agency server requests payment approval by constructing a card company approval message based on the card number information and transmitting the card company approval message to the card company server. When a payment approval response signal is received from the card company server, the payment approval response signal is used to make a payment. send to the terminal,
The token server deletes the token information after the validity period of the token information has elapsed,
The payment service providing system using a token, characterized in that the payment agency server performs a procedure to cancel the deposit payment approval in conjunction with the card company server.
A method of providing payment services in a payment service provision system using tokens including a payment agency server and a token server,
A first step in which the payment agency server receives a deposit payment request signal from the payment terminal;
A second step in which the payment agency server requests payment approval by constructing a card company approval message based on the deposit payment request signal and transmitting the card company approval message to the card company server;
A third step of transmitting a token issuance request signal to the token server when the payment agency server receives a payment approval response signal from the card company server;
A fourth step in which the token server generates a token and transmits token information corresponding to the generated token to the payment agency server;
A fifth step where the payment agency server transmits token information to the payment terminal;
A tenth step in which the payment agency server receives a partial cancellation request signal from the payment terminal, constructs a card company cancellation telegram corresponding to the partial cancellation request signal, and transmits the card company cancellation telegram to the card company server; and
Step 11 where the payment agency server receives a partial cancellation response signal from the card company server and transmits the received partial cancellation response signal to the payment terminal.
Including,
The partial cancellation request signal is a method of providing a payment service using a token, characterized in that it includes a partial cancellation full text for partially canceling the amount corresponding to the deposit minus the actual amount to be paid.
A payment service provision system using tokens including a payment agency server and a token server,
Requesting payment approval by receiving a deposit payment request signal from the payment terminal, constructing a card company approval message, and transmitting the card company approval message to the card company server. When receiving a payment approval response signal from the card company server, a token issuance request signal is sent to the token server. Payment agency server that transmits; and
Token server that generates tokens in response to token issuance request signals and transmits token information corresponding to the generated tokens to the payment agency server.
Including,
The payment agency server transmits token information to the payment terminal, and when receiving a partial cancellation request signal from the payment terminal, configures a card company cancellation telegram corresponding to the partial cancellation request signal and transmits the card company cancellation telegram to the card company server, When a partial cancellation response signal is received from the card company server, the received partial cancellation response signal is transmitted to the payment terminal,
The partial cancellation request signal is a payment service providing system using a token, characterized in that it includes a partial cancellation full text for partially canceling the amount corresponding to the deposit minus the actual amount to be paid.