WO2012030162A2 - Procédé de paiement par carte, système de paiement par carte et terminal mobile associé - Google Patents

Procédé de paiement par carte, système de paiement par carte et terminal mobile associé Download PDF

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Publication number
WO2012030162A2
WO2012030162A2 PCT/KR2011/006464 KR2011006464W WO2012030162A2 WO 2012030162 A2 WO2012030162 A2 WO 2012030162A2 KR 2011006464 W KR2011006464 W KR 2011006464W WO 2012030162 A2 WO2012030162 A2 WO 2012030162A2
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WO
WIPO (PCT)
Prior art keywords
information
card
affiliated store
mobile terminal
wireless communication
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PCT/KR2011/006464
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English (en)
Korean (ko)
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WO2012030162A3 (fr
Inventor
성기윤
Original Assignee
비씨카드 주식회사
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Publication of WO2012030162A2 publication Critical patent/WO2012030162A2/fr
Publication of WO2012030162A3 publication Critical patent/WO2012030162A3/fr

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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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06009—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking
    • G06K19/06018—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking one-dimensional coding
    • G06K19/06028—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking one-dimensional coding using bar codes
    • 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
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/08—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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Definitions

  • the present invention relates to a card payment method for executing card payment using a mobile terminal, a card payment system, and a mobile terminal therefor.
  • the mobile terminal may be configured to perform various functions. Examples of such various functions are data and voice communication functions, data storage functions, and image or video display functions.
  • some mobile terminals may receive and store a card to be used as a payment means.
  • wireless networks can be used as an approval network.
  • the present invention provides a card payment method, a card payment system, and a mobile terminal for reducing the role of reducing authorization fees and reducing anxiety about card misuse.
  • the present invention comprises the steps of receiving a merchant information and purchase information wireless communication unit of the mobile terminal; A user input unit of the mobile terminal receiving a card selection input from a user; Making a payment request to a card company server based on the affiliate store information, purchase information, and card information selected by the user by the wireless communication unit of the mobile terminal; Receiving, by the wireless communication unit of the mobile terminal, an approval result for the payment request from the card company server; And transmitting the received authorization result to the affiliated store terminal by a wireless communication unit of the mobile terminal.
  • a wireless communication unit including: receiving affiliate store information, purchase information, and reply access information of the affiliated store terminal; A user input unit of the mobile terminal receiving a card selection input from a user; Requesting a payment from a card company server based on the affiliated store information, the purchase information, the reply access information of the affiliated store terminal, and the card information selected by the user by the wireless communication unit of the mobile terminal; The card company server performing approval on the payment request; And transmitting, by the card company server, the authorization result to the affiliated store terminal based on the reply connection information of the affiliated store terminal.
  • the present invention receives merchant information and purchase information, requests payment to a card company server based on the merchant information, purchase information, and card information selected by the user, and requests for payment from the card company server.
  • a wireless communication unit which receives an approval result and transmits the received approval result to the affiliated store terminal;
  • a user input unit to receive a card selection input from the user;
  • a control unit for controlling the wireless communication unit and the user input unit as a whole.
  • the present invention receives affiliated store information, purchase information, and replying access information of the affiliated store terminal, and based on the affiliated store information, purchase information, replying connection information of an affiliated store terminal, and a card information selected by a user, a card company server.
  • a mobile terminal including a wireless communication unit for requesting a payment, a user input unit for receiving a card selection input from a user, and a controller for controlling the wireless communication unit and the user input unit as a whole; And a card company server for performing the approval on the payment request and transmitting the approval result to the affiliated store terminal based on the reply access information of the affiliated store terminal.
  • the user since the user may receive affiliate store information and purchase information from the affiliated store terminal through short-range wireless communication, wireless Internet, etc., the user directly purchases information to request payment to the card company through the mobile terminal. And the inconvenience of having to enter the merchant information can be eliminated.
  • the payment request can be made directly to the card company server through the mobile terminal, it is possible to eliminate the risk of security accidents caused by card information storage of the merchant.
  • the mobile terminal may receive merchant information and purchase information from the merchant terminal through the wireless Internet, in an offline non-face-to-face transaction such as a delivery industry, the card payment is made even though the seller does not have the merchant terminal. There is an effect that can be easily proceeded.
  • FIG. 1 is a block diagram of a card payment system according to an embodiment of the present invention.
  • FIG. 2 is a block diagram of a mobile terminal according to an embodiment of the present invention.
  • FIG. 3 is a flowchart illustrating a card payment method related to the first embodiment of the present invention.
  • FIG. 4 is a flowchart illustrating a card payment method related to a second embodiment of the present invention.
  • the purchase information means information on a purchase transaction made by the user.
  • the purchase information includes information on a purchased product (product code, date of manufacture, expiration date, product price, manufacturer, color, size, quantity of goods, etc.), information on purchase service (service price, additional value of additional service, service item). , The period of service provision, etc.), and the date and time of purchase.
  • the merchant information may include an affiliate store name, an affiliate store number, an affiliate store owner, an affiliate store location, an affiliate store phone number, a unique number of an affiliated store terminal, and the like.
  • encryption refers to the conversion of information into an unknown format (password).
  • the information can be protected by storing the information in a form of cipher text in a storage device or transmitting it through a communication line.
  • decryption throughout the specification refers to a process of converting a cipher text into plain text by an encryption algorithm as a reverse process of the encryption process.
  • FIG. 1 is a block diagram of a card payment system according to an embodiment of the present invention.
  • the card payment system may transmit or receive information between the affiliated store terminal 100, the mobile terminal 200, and the card company server 300 through a network. It may include a feature that can be.
  • the affiliated store terminal 100 is for performing a payment for a purchased item.
  • the affiliated store terminal 100 may store purchase information for each member.
  • the affiliated store terminal 100 may be implemented through a credit authorization terminal (CAT), a point of sales (POS), and the like.
  • CAT credit authorization terminal
  • POS point of sales
  • POS Point Of Sales
  • the affiliated store terminal 100 may also perform member management, store management, and the like.
  • the affiliated store terminal 100 is capable of short-range wireless communication with other devices and communication using wired or wireless Internet. Therefore, the affiliated store terminal 100 may transmit the purchase information and the affiliated store information to the mobile terminal 200. In addition, the affiliated store terminal 100 may receive a payment approval result from the card company server 300 through a wired or wireless Internet.
  • the mobile terminal 200 may store information related to a mobile card, and wireless internet communication and short-range wireless communication are possible. Therefore, the mobile terminal 200 may receive the purchase information and the affiliated store information from the affiliated store terminal 100, and may request a payment approval request from the card company server 300. In addition, the mobile terminal 200 may receive an approval result for the payment approval request from the card company server 300 and transmit the received approval result to the affiliated store terminal 100.
  • the mobile terminal 200 may be implemented in various forms.
  • the mobile terminal 200 described herein may be a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), a navigation device, an e-book terminal, or the like.
  • PDA personal digital assistant
  • PMP portable multimedia player
  • a navigation device an e-book terminal, or the like.
  • the mobile terminal 200 may include a wireless communication unit, an authentication unit, a memory, a security area, a user input unit, an output unit, and a control unit. Details thereof will be described later with reference to FIG. 2.
  • the card company server 300 is a server for performing the payment authorization for the use of the card.
  • the card company server 300 may receive purchase information, affiliated store information, payment information, etc. from the mobile terminal 200 through a wireless Internet network.
  • the payment information may include information such as a card number, an expiration date, a Card Verification Value (CVV) value, a payment card company, a payment bank, an installment status, and an installment month number.
  • CVV Card Verification Value
  • the card company server 300 may transmit the payment approval result for the use of the card to the mobile terminal 200 or the merchant terminal 100.
  • FIG. 2 is a block diagram of a mobile terminal according to an embodiment of the present invention.
  • the mobile terminal 200 may be implemented by more components than the illustrated components, and the mobile terminal 200 may be implemented by fewer components.
  • the wireless communication unit 210 may include one or more components for wireless communication between the mobile terminal 200 and the wireless communication system or wireless communication between the mobile terminal 200 and a network in which the mobile terminal 200 is located.
  • the wireless communication unit 210 may include a mobile communication module 211, a wireless internet module 213, a short range communication module 215, and a location information module 217.
  • the mobile communication module 211 may transmit and receive a wireless signal with at least one of a base station, an external terminal, and a server on a mobile communication network.
  • the wireless signal may include various types of data according to transmission and reception of a voice call signal, a video call call signal, or a text / multimedia message.
  • the wireless internet module 213 refers to a module for wireless internet access, and the wireless internet module 213 may be internal or external.
  • the short range communication module 215 refers to a module for short range communication.
  • Bluetooth Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, Near Field Communication (NFC), and the like may be used as a short range communication technology.
  • RFID Radio Frequency Identification
  • IrDA Infrared Data Association
  • UWB Ultra Wideband
  • ZigBee ZigBee
  • NFC Near Field Communication
  • the location information module 217 is a module for checking or obtaining the location of the mobile terminal 200.
  • the GPS module receives location information from a plurality of satellites.
  • the location information may include coordinate information represented by latitude and longitude.
  • the GPS module can measure the exact time and distance from three or more satellites and accurately calculate the current position by triangulating three different distances. A method of obtaining distance and time information from three satellites and correcting the error with one satellite may be used.
  • the GPS module can obtain not only the location of latitude, longitude, and altitude but also accurate time together with three-dimensional speed information from the location information received from the satellite.
  • the authentication unit 220 may perform identity verification for the purchase information, merchant information and / or payment information.
  • the authentication unit 220 may perform identity authentication through encryption communication, a certificate, an One Time Password (OTP), mobile phone authentication, and the like.
  • OTP One Time Password
  • the memory 230 may store a program for processing and controlling the control unit 280, or may perform a function for temporarily storing input / output data.
  • the memory 230 may store the received purchase information and affiliated store information.
  • payment information may be stored in the memory 230.
  • the memory 230 may be a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (for example, SD or XD memory), RAM Random Access Memory (RAM) Static Random Access Memory (SRAM), Read-Only Memory (ROM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Programmable Read-Only Memory (PROM) magnetic memory, It may include at least one type of storage medium of the optical disk.
  • the mobile terminal 200 may operate a web storage that performs a storage function of the memory 230 on the Internet.
  • the mobile terminal 200 may include a security area 240.
  • the security area 240 may be manufactured in the form of a smart card. Therefore, the security area 240 may be connected to the mobile terminal 200 through a port.
  • An example of the security zone 240 may be a universal subscriber identity module (USIM).
  • the universal subscriber identity module is a combination of subscriber identity module (SIM) card with subscriber information and universal IC card (UICC), which implements various functions such as user authentication, global roaming, and e-commerce on one card.
  • SIM subscriber identity module
  • UICC universal IC card
  • the USIM consists of a small CPU and memory. The CPU identifies the user with an encryption / decryption function, and the memory is used as a storage space for additional services. That is, the security area 240 may serve as a hardware security module (HSM).
  • HSM hardware security module
  • a security token is a hardware device that can securely store and store secret information such as a digital signature generation key, and has a process and cryptographic device inside the device to generate digital signature keys, generate and verify digital signatures, and the like. Accordingly, in one embodiment of the present invention, secret information such as a digital signature generation key stored in the secure area (eg, USIM) 240 is not exposed or regenerated to the outside.
  • secret information such as a digital signature generation key stored in the secure area (eg, USIM) 240 is not exposed or regenerated to the outside.
  • the mobile card may be stored in the security area 240.
  • the mobile card is a new type of medium used for payment, etc. by utilizing the communication connectivity and security of the mobile terminal 200, away from the form of the traditional plastic plate.
  • the mobile card is to enable the function of the smart card in the mobile phone, it can support functions such as credit card, debit card, transportation card, ID card (ID card), online payment.
  • the mobile card may be a card for simply receiving the same card service from the mobile terminal 200 in response to a plastic card issued previously.
  • the mobile card may be a card that is newly issued and can be used only in the mobile terminal 200 without a plastic card having the same contents.
  • the user input unit 250 generates input data for the user to control the operation of the mobile terminal 200.
  • the user input unit 250 may include a key pad dome switch, a touch pad (static pressure / capacitance), a jog wheel, a jog switch, and the like.
  • a touch pad static pressure / capacitance
  • a jog wheel a jog switch
  • a touch screen when the touch pad has a mutual layer structure with the display unit described later, this may be referred to as a touch screen.
  • the user may select at least one of a plurality of cards stored in the mobile terminal 200 through the user input unit 250 to use for payment.
  • the output unit 260 is for outputting an audio signal, a video signal, or an alarm signal, and may include a display unit, a sound output module, an alarm unit, and the like.
  • the display unit displays and outputs information processed by the mobile terminal 200. For example, when the mobile terminal 200 is in the payment mode, the mobile terminal 200 displays a user interface (UI) or a graphic user interface (GUI) related to payment.
  • UI user interface
  • GUI graphic user interface
  • the display unit when the display unit is formed as a touch screen by forming a layer structure with the touch pad, the display unit may be used as an input device in addition to the output device.
  • the display unit includes a liquid crystal display, a thin film transistor-liquid crystal display, an organic light-emitting diode, a flexible display, and a 3D display. It may include at least one.
  • two or more display units may exist according to the implementation form of the mobile terminal 200. For example, an external display unit (not shown) and an internal display unit (not shown) may be simultaneously provided in the mobile terminal 200.
  • the touch screen may be configured to detect not only the touch input position and the touched area but also the touch input pressure.
  • the touch screen may be configured to detect not only the real-touch but also proximity touch.
  • the term "real-touch” refers to a case in which a pointer is actually touched on the screen
  • the term “proximity-touch” refers to a point in which the pointer actually touches the screen. Instead, it refers to the case where the screen approaches a distance from the screen.
  • a pointer refers to a tool for touching or proximity touching a specific portion of a displayed screen. Examples include stylus fans, fingers, and the like.
  • the mobile terminal 200 may include a barcode recognition unit 270.
  • the barcode recognition unit 270 recognizes the bar code of the merchandise or the menu board of the affiliated store to receive affiliated store information, purchase information, and reply access information of the affiliated store terminal.
  • An example of the barcode recognition unit 270 may include a camera unit.
  • the controller 280 typically controls the overall operation of the mobile terminal 200. Therefore, according to an embodiment of the present invention, the control unit 280 is the wireless communication unit 210, the authentication unit 220, the memory 230, the security area 240, the user input unit 250 The output unit 260 may be controlled. In addition, the controller 280 may recommend a specific card that can be used for payment.
  • the embodiments described herein include application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), and the like. It may be implemented using at least one of processors, controllers, micro-controllers, microprocessors, and electrical units for performing the functions. It may be implemented by the controller 280.
  • ASICs application specific integrated circuits
  • DSPs digital signal processors
  • DSPDs digital signal processing devices
  • PLDs programmable logic devices
  • FPGAs field programmable gate arrays
  • embodiments such as procedures or functions may be implemented with separate software modules that allow at least one function or operation to be performed.
  • the software code may be implemented by a software application written in a suitable programming language.
  • the software code may be stored in the memory 230 and executed by the controller 280.
  • FIG. 3 is a flowchart illustrating a card payment method related to the first embodiment of the present invention.
  • the wireless communication unit 210 of the mobile terminal 200 may receive affiliate store information and purchase information [S310].
  • the wireless communication unit 210 may receive affiliate store information and purchase information from the affiliate store terminal 100.
  • the affiliated store terminal 100 moves the mobile terminal 200.
  • Merchant information A restaurant, merchant terminal code, etc.
  • purchase information two stakes, three glasses of wine, price 100,000 won, VAT 10.000 won, total price 110,000 won, etc.
  • the wireless communication unit 210 may receive affiliate store information and purchase information through a wireless communication tag.
  • the wireless communication tag may be attached to a product, a merchandise display stand, a menu board, or the like of the affiliated store. Examples of the wireless communication tag may include a radio frequency (RF) tag, a near field communication (NFC) tag, and the like.
  • the wireless communication tag may wirelessly communicate with the mobile terminal 200 and store affiliate store information and purchase information.
  • the mobile terminal 200 may receive the affiliated store information and the purchase information from the affiliated store terminal 100 using short-range communication.
  • the short range communication may include Bluetooth and Near Field Communication (NFC).
  • Bluetooth is a standard for wireless communication at low power in a short range between wireless communication devices.
  • Near Field Communication relates to a short-range wireless connection method using magnetic field induction between adjacent devices, and can communicate in any direction.
  • the affiliated store terminal 100 may transmit the affiliated store information and purchase information to the mobile terminal 200 through the wireless Internet.
  • the affiliated store terminal 100 may use a mobile carrier network (for example, 3G network, 4G network) or use a wireless LAN.
  • 3G is the third generation of mobile communication, such as wideband code division multiple access (WCDMA) and high speed downlink packet access (HSDPA), and the frequency of use is 2GHz, which is unified around the world, enabling automatic international roaming service.
  • WCDMA wideband code division multiple access
  • HSDPA high speed downlink packet access
  • 4G is similar to 3G with 4G mobile communication, but the download speed is more than 10 times.
  • a mobile communication company's communication network eg, 3G network, 4G network
  • a data communication fee should be charged.
  • the wireless LAN is a local area network (LAN) capable of high-speed Internet within a certain distance of a place where a wireless access device (AP) is installed.
  • the wireless LAN uses radio waves or an infrared transmission method.
  • WiFi wireless fidelity
  • WiFi wireless fidelity
  • LAN local area network
  • AP access point
  • the affiliated store terminal 100 transmits the affiliated store information and the purchase information to the mobile terminal 200 using the wireless Internet
  • the affiliated store terminal 100 and the mobile terminal 200 do not need to be in a short range, and thus, the delivery industry It can be usefully applied to.
  • the pizza store stores the order contents in the affiliated store terminal 100 and transmits the order information (purchase information) together with the affiliated store information to the mobile terminal 200 of the user.
  • the user can check the order information and the merchant information, and can proceed with the card payment through the mobile terminal (200). Therefore, the affiliated store does not need to carry the affiliated store terminal 100 at the time of delivery, and the user can easily proceed with the payment through the mobile terminal 200 in his or her office or home even without providing his or her card to the affiliated store. have.
  • the barcode recognition unit 270 of the mobile terminal 200 may receive affiliate store information and purchase information through a barcode.
  • the barcode may be attached to a product, a merchandise display stand, a menu board, or the like of the affiliated store.
  • the barcode includes not only one-dimensional (1D) barcode but also two-dimensional (2D) barcode.
  • An example of a two-dimensional barcode is a QR code.
  • the barcode may include affiliate store information and purchase information.
  • Two-dimensional bar code means a flat bar code expressed in Braille or mosaic code in both the horizontal and vertical (x, y) directions in a small rectangle.
  • Two-dimensional barcodes can contain much more dense information than conventional one-dimensional barcodes.
  • the two-dimensional barcode can be recognized even if the scanner is placed in any direction, and even if the information is damaged, it can be recovered substantially, and the information can be grasped by itself without a database.
  • the two-dimensional bar code can store various types of information such as graphics, pictures, voices, fingerprints, signatures, as well as texts such as letters and numbers, and the contents can be displayed on a computer screen only by reading the bar code.
  • the two-dimensional bar code can be encrypted and can be utilized in various authentication systems such as membership cards, and can also be transferred to the liquid crystal of the mobile phone and used instead of the ticket.
  • the user may display a barcode displayed on a menu board or a cup containing a cafe mocha, such as a camera unit (bar code recognition unit) of the mobile terminal 200. ) Can be taken.
  • the mobile terminal 200 is affiliated store information (merchant code, merchant terminal code, merchant name) stored in the bar code and purchase information (product type-cafe mocha, price-5,000 won, quantity-1 cup, etc.) Received to be able to transmit to the card company server 300.
  • the user input unit 250 of the mobile terminal 200 may receive a card selection input from the user [S320]. That is, when a plurality of card information is stored in the mobile terminal 200, the user can select a specific card through the user input unit 250.
  • the mobile terminal 200 when only one card information is stored in the mobile terminal 200, the mobile terminal 200 passes through the user authentication step even if a card selection input is not received from the user.
  • a payment request may be made to the card company server 300.
  • the controller 280 when a plurality of card information is stored in the mobile terminal 200, the controller 280 is specified based on the merchant information and purchase information received from the merchant terminal 100. A card can be recommended to the user.
  • the controller 280 receives the merchant information and purchase received from the affiliated store terminal 100. Based on the information, it may be recommended to use a card among a plurality of cards stored in the mobile terminal 200.
  • the user can select a card to be used for payment, and can select whether or not to install and the number of months to install.
  • the user may additionally select a credit card or a discount coupon for mileage or point accumulation in addition to a card for payment stored in the mobile terminal 200. In this case, even if the user makes a payment through the mobile terminal 200, the user may also receive points or discounts.
  • the authentication unit 220 of the mobile terminal 200 may perform identity verification before / after the user selects a card.
  • the authentication unit 220 may perform identity authentication through a public certificate, OPT (One Time Password), mobile phone authentication, a payment password set by the user, and the like.
  • OPT One Time Password
  • the authorized certificate may be stored in the memory 230 or the security area 240 of the mobile terminal 200.
  • the OPT may be generated by the OPT generating apparatus or by an OTP generating program embedded in the memory 230 or the USIM 240 of the mobile terminal 200.
  • Mobile phone authentication is a method of checking whether a user owns a specific mobile phone, and transmits a random number (OTP) in the form of a text message to the mobile phone and receives the input again from the user to check whether the user owns the mobile phone. to be.
  • OTP random number
  • a method of determining whether the mobile phone is possessed by checking the information of the connected mobile phone may be used.
  • the authentication unit 220 may perform identity verification by receiving a payment password set by the user in advance.
  • the wireless communication unit 210 of the mobile terminal 200 may make a payment request to the card company server 300 [S330].
  • the wireless communication unit 210 may transmit the merchant information, the purchase information and the card information selected by the user from the affiliated store terminal 100 to the card company server 300.
  • the card information may include information such as a card number, an expiration date, a Card Verification Value (CVV) value, a payment card company, a payment bank, an installment status, and an installment month number.
  • CVV Card Verification Value
  • the wireless communication unit 210 makes a payment request to the card company server 300 using the wireless Internet.
  • the wireless communication unit 210 may make a payment request using a mobile communication company network (for example, 3G, 4G) or a wireless LAN (for example, WiFi).
  • a mobile communication company network for example, 3G, 4G
  • a wireless LAN for example, WiFi
  • the card company server 300 performs the approval process based on the payment request.
  • the wireless communication unit 210 of the mobile terminal 200 may receive an approval result for the payment request from the card company server 300 [S340].
  • the approval result may be encrypted with a shared encryption key of the card company server 300 and the affiliated store terminal 100.
  • the wireless communication unit 210 may receive a hash value for the approval result.
  • the hash value refers to a value obtained by compressing a bit string having an arbitrary length into a fixed length through a hash algorithm used in data integrity or message authentication in an information processing system and an information network environment.
  • the wireless communication unit 210 of the mobile terminal 200 may transmit the received approval result to the affiliated store terminal 100 [S350].
  • the wireless communication unit 210 may transmit a hash value received from the card company server 300 to the affiliated store terminal 100 together with the approval result.
  • the affiliated store terminal 100 may determine whether the approval result is forged / falsified through hash value verification.
  • the user can be forged through the change-to-exchange (E2E) between the card company server 300 and the affiliated store terminal (100).
  • E2E change-to-exchange
  • the wireless communication unit 210 of the mobile terminal 200 is affiliated store information, purchase information and the reply connection information of the affiliated store terminal 100 from the affiliated store terminal 100 or a wireless communication tag Can be received [S410].
  • the barcode recognition unit 270 of the mobile terminal 200 may receive the affiliated store information, the purchase information, and the reply connection information of the affiliated store terminal 100 through the one-dimensional barcode or the two-dimensional barcode.
  • the reply access information may include information that the card company server 300 may access to the affiliated store terminal 100 using an electronic communication scheme (for example, TCP / IP, PPP, CDMA, etc.). Can be.
  • An example is a reply URL (uniform resource locator) or an IP: port number.
  • the mobile terminal 200 may receive a card selection input from the user [S420].
  • the user may also select whether or not to install the card, the installment period, whether to apply a discount coupon, or a credit card.
  • the authentication unit 220 of the mobile terminal 200 performs the identity verification procedure.
  • the identity verification process may occur before or after receiving the card selection input.
  • the wireless communication unit 210 of the mobile terminal 200 the payment request data including the merchant information, purchase information, the reply access information of the merchant terminal 100, the card information selected by the user; Card company server 300 may be transmitted to [S430].
  • the card company server 300 performs the approval procedure based on the payment request data received from the mobile terminal 200 [S440].
  • the card company server 300 may transmit the approval result to the affiliated store terminal 100 based on the reply connection information of the affiliated store terminal 100 [S450].
  • the card company server 300 may transmit the approval result to the affiliated store terminal 100 using at least one of a wired internet, a wireless internet, and a public switched telephone networ (PSTN).
  • a wired internet e.g., a Wi-Fi
  • a wireless internet e.g., a Wi-Fi
  • PSTN public switched telephone networ
  • the card company server 300 can transmit the approval result directly to the merchant terminal 100 through wired, wireless Internet, PSNT, etc. Modulation can be prevented.
  • VAN value added network, Value-added network
  • the user can proceed to the payment through the mobile terminal 200 by receiving the purchase information and merchant information from the merchant terminal 100, in the case of restaurants, the user does not need to hand over the card to the cashier It is possible to sit and pay through the mobile terminal 200.
  • users do not have to wait in line in front of the merchant terminal 100 for payment. This is because when the user wants to pay, the affiliated store terminal 100 only needs to transmit purchase information and affiliated store information to the mobile terminal 200 of the user.
  • the above-described method can be embodied as computer readable code on a medium on which a program is recorded.
  • the computer-readable medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable media include ROM, RAM, CD-ROM, magnetic tape, floppy disks, optical data storage devices, and the like, which are also implemented in the form of carrier waves (eg, transmission over the Internet). It also includes.
  • the computer may include a controller 280 of the mobile terminal 200.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention se rapporte à un procédé de paiement par carte, à un système de paiement par carte et à un terminal mobile associé, qui permettent de réduire une commission d'agrément en réduisant un service de RVA et de réduire également l'inquiétude liée à une utilisation frauduleuse d'une carte en recevant des informations de franchise et des informations d'achat à partir d'un terminal de franchise par l'intermédiaire d'un terminal mobile qu'un utilisateur porte et en faisant directement une demande de paiement à un serveur d'une société de carte par l'intermédiaire d'un réseau sans fil sur la base des informations de franchise et des informations d'achat reçues. Le procédé de paiement par carte selon un mode de réalisation de la présente invention comprend les étapes consistant à : recevoir des informations de franchise et des informations d'achat par l'intermédiaire d'une unité de communication sans fil d'un terminal mobile; recevoir une entrée de sélection de carte en provenance d'un utilisateur par l'intermédiaire d'une unité d'entrée d'utilisateur du terminal mobile; faire une demande de paiement auprès d'un serveur d'une société de carte sur la base des informations de franchise, des informations d'achat et des informations de carte qu'un utilisateur sélectionne par l'intermédiaire de l'unité de communication sans fil du terminal mobile; recevoir un résultat d'agrément qui concerne la demande de paiement en provenance du serveur de la société de carte par l'intermédiaire de l'unité de communication sans fil du terminal mobile; et transmettre le résultat d'agrément reçu au terminal de franchise par l'intermédiaire de l'unité de communication sans fil du terminal mobile.
PCT/KR2011/006464 2010-08-31 2011-08-31 Procédé de paiement par carte, système de paiement par carte et terminal mobile associé WO2012030162A2 (fr)

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KR10-2010-0084652 2010-08-31
KR1020100084652A KR20120020804A (ko) 2010-08-31 2010-08-31 카드 결제 방법, 카드 결제 시스템 및 그를 위한 이동 단말기

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CN111343233A (zh) * 2016-09-20 2020-06-26 徐蔚 一种基于存储的数字货币支付的方法、装置与移动终端

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CN111866873B (zh) * 2014-09-26 2023-09-05 维萨国际服务协会 远程服务器加密的数据的储备系统和方法
CN111343233A (zh) * 2016-09-20 2020-06-26 徐蔚 一种基于存储的数字货币支付的方法、装置与移动终端
US11983699B2 (en) 2016-09-20 2024-05-14 Wei Xu System built by connection between a mobile terminal and a service providing device, and service providing method

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