WO2006036040A1 - System-and method for settling accounts using the payment terminal communicating with a mobile terminal by radio frequency - Google Patents

System-and method for settling accounts using the payment terminal communicating with a mobile terminal by radio frequency Download PDF

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Publication number
WO2006036040A1
WO2006036040A1 PCT/KR2005/002655 KR2005002655W WO2006036040A1 WO 2006036040 A1 WO2006036040 A1 WO 2006036040A1 KR 2005002655 W KR2005002655 W KR 2005002655W WO 2006036040 A1 WO2006036040 A1 WO 2006036040A1
Authority
WO
WIPO (PCT)
Prior art keywords
settlement
terminal
information
mobile communication
local area
Prior art date
Application number
PCT/KR2005/002655
Other languages
English (en)
French (fr)
Inventor
Sang Kook Lee
Original Assignee
Jo, Bea Su
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Jo, Bea Su filed Critical Jo, Bea Su
Publication of WO2006036040A1 publication Critical patent/WO2006036040A1/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication

Definitions

  • This invention relation relates to a settlement system and method using a settlement terminal installed in each franchise, and more particularly to a settlement system and method using a settlementterminalperforminglocal area radiocommunicationwith a mobile communication terminal performing settlement through local area communication.
  • settlement when a charge is paid in a store, a restaurant or the like, settlement by not only cash but also a credit card has been generally conducted.
  • settlement is conducted by reading the credit card through a reader of a settlement terminal, which is installedin a franchise and connected to a card company through a wired network.
  • the non-contact settlement method has an advantage of convenience over a contact settlement method. That is, in this non-contact settlement method, a card bearer need not sign for settlement and settlement is achieved if only a card grazes a terminal lightly without being presented to a salesman.
  • this non-contact settlement method may be configured tobeusedtogetherwithanexistingcontactterminal.
  • when the non-contact card settlement method is introduced not only a general rectangular card but also cards of modified shape such as a wristwatch-like card may be used.
  • such cards may be basically loaded in a mobile telephone, thereby providing a card user with a convenience for the carrying of card.
  • a settlement system using the above-described conventional non-contact method will be described with reference to Fig. 1.
  • Fig. 1 is a schematic diagram of a settlement system using local area radio communication in the prior art.
  • a settlement terminal 130 installed in the franchise is connected to a VAN (value-added network) company 140, a card company 150 and so on like through a wired network, and settlement is conducted by input and transmitting settlement information through the settlement terminal 130.
  • VAN value-added network
  • a card company 150 and so on like
  • settlement is conducted by input and transmitting settlement information through the settlement terminal 130.
  • an auxiliary device such as Dongle 120, making the settlement possible is additionally installed.
  • a non-contact card 100 or a mobile communication terminal 110 containing an infrared communication module when put near the Dongle 120, it performs infrared communicationwiththe Dongle 120.
  • authentication information for example, personal information
  • the Dongle 120 refers to hardware allowing only an authorized user to copy or use specified software (particularly, high-priced software) . That is, the Dongle 120 may be called a hardware key, which is connectable to a parallel or serial port of a computer, for confirming whether or not a user is authorized and allowing an authorized user to access the computer before an application program is executed, and is a kind of a hardware-based illegal copy protection device that must be used together with a programtobe used in order to protect an illegal copy of software.
  • the Dongle 120 is also called a hardlock, ahardware key, a keylock, a hardware lock or the like.
  • theDongle 120 is connectedtothe settlement terminal 130 of the franchise, wired data transmission means (for example, RS232C) and so on for transmitting authentication information and so on for settlement, which is transmitted from the non-contact card 100 or the mobile communication terminal 110, to the settlement terminal 130.
  • wired data transmission means for example, RS232C
  • a franchise salesman inputs settlement money of a customer through the settlement terminal 130 and transmits the settlement information to the VAN company 140.
  • the VAN (value-added network) company may be a communication service provider different from common carrier and special categorycommunication service provider.
  • TheVAN company 140 realizes aprofitbyprovidingcardapprovalandinquiryservice. That is, the VAN company 140 mediates between the card company 150 and the franchise 130 and receives a commission for the card company 150 in turn for aid to the card approval and inquiry.
  • the VAN company 140 may be in charge of transfer account or settlement in on-line shopping malls as well as the credit card VAN business.
  • the conventional settlement system in the franchise has a disadvantage in that the settlement terminal 130 installed in the settlement system must be connected to a server of the VAN company 140 or the card company/financial institution 150 through wired communication means. Accordingly, there arises a problem in that the franchise must bear a basic charge or an access charge for connection through the communication means.
  • the settlement terminal 130 installed in the franchise has a disadvantage of restriction on mobility due to the connection through the wired communication means. That is, there arises a problem in that a businessman who runs a franchise while moving cannot use the above-mentioned settlement system .
  • the present invention provides a settlement system using a settlement terminal performing local area radio communication with a mobile communication terminal.
  • the settlement terminal includes local area radio communication means for performing local area radio communication with external devices, receives settlement information, and transmits the received settlement information to the external devices through the local area radio communication means.
  • the mobile communication terminal includes local area radio communication means for performing local area radio communication with external devices, receives the settlement information from the settlement terminal through the local area radio communication, performs user authentication based on the receivedsettlement information, andthentransmitsthe settlement information and user authentication information to a mobile communication network.
  • the settlement system includes a settlement server for receiving the settlement informationandtheuserauthenticationinformationfromthemobile communication terminal through the mobile communication network and performing a settlement process.
  • the present invention provides a settlement method using a settlement terminal performing local area radio communication with a mobile communication terminal.
  • the settlement method includes the steps of inputting settlement information through an input interface of the settlement terminal, transmitting the input settlement information to the mobile communication terminal of a user who wishes to settlemoneythrough local area radio communication means of the settlement terminal, performing user authentication in the mobile communication terminal that received the settlement information and then transmitting the settlement information to a settlement server through a mobile communication network, and receiving the settlement information in the settlement server from the mobile communication terminal and then performing settlement for the mobile communication terminal based on the received settlement information.
  • a settlement terminal installedbyanexistingVANcompanyormobile communication service provider is connected to an exclusive wired/wireless network for performing a settlement service.
  • the present invention suggests a settlement system and method for transmitting settlement information, which is input from a settlement terminal using wireless communication (RF/IrDA) , to a mobile communication terminal of purchaser, and transmitting the settlement information to a financial institution for settlement through the mobile communication terminal of the purchaser.
  • RF/IrDA wireless communication
  • the present invention provides a benefit of no burden of communication fees to the franchise.
  • the settlement terminal installed in the franchise is not directly connected to the VAN company or the financial institution through wired/wireless communication means, it is possible to move the settlement terminal.
  • Fig. l isa schematicdiagramillustratinga settlement system using local area radio communication in the prior art.
  • Fig.2 is a schematicdiagramillustratinga settlement system using a settlement terminal performing local area radio communication with a mobile communication terminal according to the present invention.
  • Fig.3 is a flow chart illustrating a settlement process using a settlement terminal performing local area radio communication with a mobile communication terminal according to the present invention.
  • Fig.4 is a schematicdiagramillustratinga settlement system using a settlement terminal performing local area radio communication with a mobile communication terminal according to an embodiment of the present invention.
  • Fig.5 is a flow chart illustrating a settlement process using a settlement terminal performing local area radio communication with a mobile communication terminal according to an embodiment of the present invention.
  • Fig.2 is a schematicdiagramillustratinga settlement system using a settlement terminal performing local area radio communication with a mobile communication terminal according to the present invention.
  • a settlement system according to the present invention does not transmit settlement information from a settlement terminal 200 of a franchise to a financial institution 240 as in the prior art, but transmits the settlement information from a mobile communication terminal 210 of a user to the financial institution 240.
  • the settlementterminal200 communicateswiththemobile communication terminal 210 near the terminal 200 through local area radio communication.
  • the mobile communication terminal 210 receives the settlement information from the settlement terminal 200 of the franchise andtransmits the settlement information, alongwith user information, to the financial institution 240 performing settlement after confirming the settlement information.
  • the settlement information and the user information transmitted from the mobile communication terminal 210 are first transmitted to a settlement service provider 230 through a mobile communication network 220.
  • the settlement service provider 230 transmits the settlement information to the financial institution 240 for settlement according to a settlement mode selected by the mobile communication terminal 210.
  • the mobile communication terminal 210 of the user who wishes to settle money is used as settlement information transmission means in the settlement system according the present invention.
  • the settlement terminal 200 since the settlement terminal 200 according to the present invention for transmitting the settlement information to the mobile communication terminal 210 doest not directly transmit the settlement information to the financial institution 240, it need not be connected to any communication network. However, since the settlementterminal 200musttransmit the settlement information through the mobile communication terminal 210 of the user who wishes to settle money, it must communicate with the mobile communication terminal 210.
  • the settlement terminal 200 may be implemented to communicate with the mobile communication terminal 210 based on an infrared communication international standard (IrFM) .
  • IrFM infrared communication international standard
  • IrFM infrared communication international standard
  • IrDA international infrared data association
  • An IrFM communication system does not require permission for frequency use because this system uses light, not radio waves and has an advantage of wide bandwidth, high transmission speed, low power consumption and low costs of parts.
  • Fig.3 is a flow chart illustrating a settlement process using a settlement terminal performing local area radio communication with a mobile communication terminal according to the present invention.
  • Step 301 when a use wishes to settle money to a franchise using the settlement system of the present invention, he inputs settlement information including the settlement money through a settlement terminal of the franchise (Step 301) .
  • the settlementinformationinputthroughthe settlement terminal is transmitted to the mobile communication terminal of the user through local area radio communication means (Step 302) .
  • the mobile communication terminal must be located nearthe settlement terminal tomake local area radio communication between the settlement terminal and the mobile communication terminal possible.
  • the mobile communication terminal of the user that received the settlement information indicates that the settlement information was correctly received and prompts the user to input his password for authentication of the settlement process (Step 303) .
  • the settlement information is transmitted to a relevant financial institution through a mobile communication network (Step 304) .
  • the financial institution that received the settlement information confirms the received settlement information and approves and processes the settlement. Then, the financial institution feeds back a result of the approval and process of the settlement to the mobile communication terminal of the user (Step 306) .
  • settlement approval information that was fed back to the mobile communication terminal of the user may be again transmitted to the settlement terminal through the local area radio communication means.
  • the settlement terminal that receivedthe settlement approval information mayoutput a relevant receipt (Step 307) .
  • Fig.4 is a schematicdiagramillustratinga settlement system using a settlement terminal performing local area radio communication with a mobile communication terminal according to an embodiment of the present invention.
  • the franchise 400 inputs settlement information (for example, settlement money, settlement mode) and so on) through a settlement terminal 410 according to the present invention.
  • the settlement terminal 410 encrypts the input settlement information and communicates with the mobile communication terminal 420 of the user in order to process the settlement money based on the settlement information according to the present invention.
  • the settlementterminal 420 waitsasettlementauthentication signal from the mobile communication terminal 420.
  • the settlement information is transmitted from the settlement terminal 410 to the user mobile communication terminal 420 through local area radio communicationmeans.
  • the usermobile communication terminal 420 that received the settlement information fromthe settlement terminal 410 is input with a user' s password from the user for user authentication, encrypts user authentication information and the settlement information, and then transmits the encrypted information to a wireless network.
  • the encrypteduser authenticationinformationand settlement information is transmitted to a settlement server 430 through a communication network.
  • the encrypted user authentication information and settlement information received in the settlement server 430 are decrypted.
  • the settlement server 430 confirms the user authentication from the decrypted user authentication information and confirms user settlement authentication.
  • the settlement server 430 confirms the settlement money input through the settlement terminal 410 from the decrypted settlement information.
  • the settlement server 430 requests a financial institution 450 to process the settlement money for the authenticated user. That is, settlement money information and the user authentication information are transmitted from the settlement server 430 to the financial institution 450.
  • the financial institution 450 confirms the received user authentication information and the settlement money information and decides settlement approval.
  • the settlement process may be performed through a card company 452, a bank 453, or a third settlement institution 454.
  • settlement approval information is fed back to the settlement server 430.
  • the settlement approval information is transmitted to National Tax Service 440 for linkage with an electronic tax administration service. That is, the National Tax Service 440 stores the settlement information in the account of a franchise that conducts the settlement.
  • Fig.5 is a flow chart illustrating a settlement process using a settlement terminal performing local area radio communication with a mobile communication terminal according to an embodiment of the present invention.
  • a settlement request signal is input through a settlement terminal input interface of the settlement terminal for performing a settlement process according to en embodiment of the present invention (Step 501) .
  • a settlement module of the settlement terminal requests a user of the settlement terminal to input settlement money according to the input settlement request signal (Step 502) .
  • the settlement module requests the user to select settlement means (Step 504) .
  • the settlement module of the settlement terminal requests settlement request confirmation (Step 506) and completes the settlement information input process (Step 301 in Fig.
  • a communication module of the settlement terminal determines whether or not the mobile communication terminal of the user who wishes to settle money approaches the settlement terminal, and identifies the approaching mobile communication terminal (Step 508) .
  • the settlement module of the settlement terminal encrypts identification informationandsettlement informationandtransmitstheencrypted information to the communication module (Step 509) .
  • the communication module transmits the settlement informationtotheapproachingmobile communicationterminal (Step 510) .
  • Themobile communication terminal receives the transmitted settlement information and confirms through the received settlement information whether or not the settlement information is correctly transmitted (Step 511) .
  • the mobile communication terminal prompts a user of the mobile communication terminal to input a settlement password (Step 512) and is input with the settlement password through an input interface of the mobile communication terminal (Step 513) .
  • the settlement information received in the mobile communication terminal is encrypted (Step 514) .
  • the encrypted settlement information is transmitted to a mobile communication network (Step 515) .
  • the mobile communication network receives the settlement information and stores information on the mobile communication terminal (Step 516) .
  • themobile communicationnetwork transmits thereceived settlement information to a settlement server (Step 517)
  • the settlement server stores the transmitted settlement information (Step 518) .
  • the settlement server identifies the received settlement information and searches a decryption method (Step 519) .
  • the received settlement information is decrypted according to the searched decryption method (Step 520) , and then the settlement server requests a financial company, a settlement institution or a virtual account to settle money (Step 521) .
  • the financial company or the settlement institution identifies the settlement information according to the received settlement request (Step 522) and inquires an excess over a balance or a limit (Step 523) .
  • the financial company or the settlement institution approves the settlement (Step 524) and transfers the settlement money to a requested account or processes the settlement (Step 525) .
  • the financial company or the settlement institution stores settlement approval information accordingtoaresult ofthe settlement (Step526) andthentransmits the settlement approval information to the settlement server (Step 527) .
  • the settlement server receives the settlement approval information from the financial company or the settlement institution, and, if the settlement is cash settlement or a request of transmission of the settlement information to National Tax Service is registered, transmits the settlement information to the National Tax Service (Step 528) .
  • the settlement approval information is transmitted to the mobile communication network (Step 529) , and then is fedback fromthemobile communicationnetworkto themobile communication terminal of the user who requests the settlement
  • the mobile communication terminal receives the settlement approval information from the settlement server and transmits the settlement approval information to the communication module of the settlement terminal through the local area radio communication means (Step 531) .
  • the communication module of the settlement terminal receives the settlement approval information from the mobile communication terminal and transmits the settlement approval information to the settlement module of the settlement terminal (Step 532) .
  • the settlement module of the settlement terminal stores the settlement approval information received from the communication module (Step 533) and output the settlement approval information (Step 534) .
  • the present invention while a franchise must bear a basic charge or an access charge for connection since an existing credit card inquiry machine installed in a franchise is connected to a wired or wireless communication network, a benefit of no burden of communication fees can be provided to the franchise since the settlement system of the present invention uses a data transfer method using a mobile communication terminal.
  • the settlement system of the present invention since the settlement terminal installed in the franchise is not directly connected to the VAN company or the financial institution through wired/wireless communication means, the present invention provides an advantage of mobility of the settlement terminal.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Signal Processing (AREA)
  • Computer Security & Cryptography (AREA)
  • General Engineering & Computer Science (AREA)
  • Computing Systems (AREA)
  • Computer Hardware Design (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
PCT/KR2005/002655 2004-08-17 2005-08-13 System-and method for settling accounts using the payment terminal communicating with a mobile terminal by radio frequency WO2006036040A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020040064795A KR20060016381A (ko) 2004-08-17 2004-08-17 이동통신 단말기와 근거리 무선 통신을 수행하는 결제 단말기를 이용한 결제 시스템 및 방법
KR10-2004-0064795 2004-08-17

Publications (1)

Publication Number Publication Date
WO2006036040A1 true WO2006036040A1 (en) 2006-04-06

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PCT/KR2005/002655 WO2006036040A1 (en) 2004-08-17 2005-08-13 System-and method for settling accounts using the payment terminal communicating with a mobile terminal by radio frequency

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KR (1) KR20060016381A (ko)
WO (1) WO2006036040A1 (ko)

Cited By (1)

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JP2013530445A (ja) * 2010-05-06 2013-07-25 シールー インフォメーション カンパニー リミテッド 電子決済サービス方法及びこれを実行する電子決済サービス装置、移動通信端末機並びに取引端末機

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WO2011139033A2 (ko) * 2010-05-06 2011-11-10 (주)시루정보 전자결제 서비스 방법과, 이를 실행하는 전자결제 서비스 장치, 이동통신 단말기 및 거래 단말기
KR20120020804A (ko) * 2010-08-31 2012-03-08 비씨카드(주) 카드 결제 방법, 카드 결제 시스템 및 그를 위한 이동 단말기
KR102139968B1 (ko) * 2018-06-22 2020-08-03 (주)키스톤핸즈 판매자 단말이 결제금액을 입력하는 비접촉식 음파결제 시스템 및 그 방법

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JP2003308438A (ja) * 2002-04-16 2003-10-31 Seiko Instruments Inc カード決済システム及びカード決済方法
KR20030088603A (ko) * 2002-05-13 2003-11-20 에스케이 텔레콤주식회사 무선 단말기를 이용한 결제 시스템 및 방법
KR20040061248A (ko) * 2002-12-30 2004-07-07 노틸러스효성 주식회사 이동통신단말기를 이용한 신용결제 시스템 및 그 방법

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JP2002251588A (ja) * 2001-02-21 2002-09-06 Yozan Inc 電子決済システム、電子決済方法、認証サーバ装置および決済サーバ装置
JP2003308438A (ja) * 2002-04-16 2003-10-31 Seiko Instruments Inc カード決済システム及びカード決済方法
KR20030088603A (ko) * 2002-05-13 2003-11-20 에스케이 텔레콤주식회사 무선 단말기를 이용한 결제 시스템 및 방법
KR20040061248A (ko) * 2002-12-30 2004-07-07 노틸러스효성 주식회사 이동통신단말기를 이용한 신용결제 시스템 및 그 방법

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2013530445A (ja) * 2010-05-06 2013-07-25 シールー インフォメーション カンパニー リミテッド 電子決済サービス方法及びこれを実行する電子決済サービス装置、移動通信端末機並びに取引端末機

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