WO2014098342A1 - Offline payment system, and method and apparatus therefor - Google Patents

Abstract

The present invention relates to an offline payment method and to a system and apparatus therefor. More particularly, the present invention relates to an offline payment system which generates a barcode on the user terminal in accordance with information provided by a service apparatus, and performs offline payment using the generated barcode, and to a method and apparatus therefor. For this purpose, the offline payment system in accordance with one embodiment of the present invention comprises: a user terminal which, when an input for offline payment selection via a service application is confirmed, transmits a request for information required for generating a barcode and information on preset payment means to a service apparatus, and when information required for generating the barcode from said service apparatus is received, generates the barcode on the basis of said information and displays the barcode via the service application; and a service apparatus which, when information on the preset payment means and a request for information required for generating a barcode from one of the user terminals is received, requests an authentication number to an apparatus of a credit card service provider corresponding to payment means information, and after receiving said authentication number, transmits the information required for generating the barcode including said authentication number to the user terminal.

Description

Offline payment system, method and apparatus for same

The present invention relates to an offline payment system, a method and an apparatus therefor, and more particularly, to generate a barcode in a user terminal based on information provided from a service device, and then perform an offline payment using the generated barcode. The present invention relates to an offline payment system, and a method and apparatus therefor.

The contents described in this section merely provide background information on the present embodiment and do not constitute a prior art.

Cash, credit or debit cards are used to settle transactions that occur on a regular offline basis. Recently, the use of credit cards is recommended as a way to increase the transparency of taxation in commerce.

Such conventional transactions using credit cards include the hassle of carrying a credit card, the risk of losing a credit card, and the risk of exposing credit card information and personal information.

Recently, a mobile credit card that combines a credit card with a mobile is used for payment, and such a conventional mobile credit card is limited to a separate mobile card (jacquard) from the holder of the existing magnetic card (mo card) through the credit card company's customer center and homepage. Will be issued upon application.

However, the existing mobile credit card requires the customer to report the loss of the mobile card to each card company when the mobile phone is lost, and it is cumbersome to carry out the same process as the card re-issuance, etc. Since payment can be made without a separate authentication process, the customer may suffer from anxiety caused by the loss of the card and illegal use if lost.

The present invention has been proposed to solve the above-mentioned problems, and in particular, when providing an offline payment system, a method and apparatus for providing an offline payment system that can make transactions using a credit card even without a credit card. There is this.

In particular, the present invention provides an offline payment system, a method and apparatus therefor that can generate an offline payment using a generated barcode after generating a barcode in a user terminal based on information provided from a service device. There is a purpose.

Offline payment system according to an embodiment of the present invention for achieving the object as described above, when the offline payment selection input is confirmed through the service application, transmits a request for information necessary for generating a barcode to the service device, generating a barcode from the service device When the information necessary for receiving the information, necessary to generate a barcode from the user terminal and a user terminal for generating a bar code based on the information to be displayed through the service application, the card company device corresponding to the pre-stored virtual card number And a service device for transmitting the information necessary for generating a barcode including an authentication number, a card prefix number for distinguishing payments, and a virtual card mapping number corresponding to the virtual card number after receiving and requesting an authentication number. Can be configured.

When the user terminal according to an embodiment of the present invention for achieving the above object is confirmed through the communication unit for transmitting and receiving a variety of information with the service device, the storage unit for storing the service application and the input of the offline payment selection, The control unit may be configured to transmit a request for information necessary for generating a barcode to a service device and to generate a barcode based on the information and to output the generated information based on the information when the information required for generating the barcode is received from the service device.

In this case, when the service application is first executed, the controller may control to display a screen on which the card information may be input from the user through the service application.

The service device according to an embodiment of the present invention for achieving the above object is a service communication unit for transmitting and receiving a variety of information with a user terminal, card company device, merchant device and a request for information generated for barcode generation from any one user terminal is received. Check the pre-stored virtual card number in response to the user terminal, and request and receive an authentication number from the card company device corresponding to the virtual card number, and then correspond to the card prefix number and the virtual card number for distinguishing the authentication number and payment. It may be configured to include a service control unit for controlling to transmit the information necessary for generating a bar code including a virtual card mapping number to the user terminal through the service communication unit.

At this time, the service storage unit for storing a variety of information for the offline payment service further comprises, the service control unit generates a virtual card number based on the card information when receiving the first card information from the user terminal and at the same time is stored in the service storage unit It can be controlled to be transmitted to the card company.

The service controller may generate a card prefix number by extracting a predetermined number of digits from the virtual card number or generate a card prefix number in a random form.

In addition, the service controller may generate a virtual card mapping number of any type corresponding to the virtual card number.

In addition, when the payment control information generated according to a barcode scan displayed on the user terminal is received from one of the affiliated device devices, the service controller checks the virtual card number corresponding to the virtual card mapping number included in the payment information, and checks the virtual card number. After requesting payment by transmitting payment information to a corresponding card company device and receiving payment result information from the card company device, the payment result information may be transmitted to either the affiliated store device or the user terminal.

Offline payment method according to an embodiment of the present invention for achieving the above object is a step in which the service device receives the information request for generating a barcode from any one user terminal, the service device in advance corresponding to the user terminal Checking the stored virtual card number; requesting and receiving an authentication number from a card company device corresponding to the virtual card number; and the service device is provided with a card prefix number and a virtual card number for distinguishing an authentication number and a payment. And transmitting information necessary for generating a barcode including a corresponding virtual card mapping number to the user terminal and generating the barcode based on the information necessary for generating the barcode and displaying the barcode through a service application. .

In this case, before the step of receiving the information request, if the user terminal is confirmed the offline payment selection input through the service application, the method may further include the step of transmitting the information necessary for generating the barcode to the service device to request.

At this time, in the step of checking the virtual card number, if the service device does not have a pre-stored virtual card number, it may further comprise the step of requesting the card registration to the user terminal.

At this time, the step of transmitting the information necessary for generating a barcode to the user terminal, the service device extracts a predetermined number of digits from the virtual card number or generates a card prefix number in a random form and the service device corresponds to the virtual card number The method may further include generating a virtual card mapping number.

At this time, after the displaying step, the barcode reader of the merchant device scans the barcode displayed through the service application of the user terminal, the merchant device generates payment information according to the scan result and transmits to the service device and The service apparatus may transmit the payment information to the card company device, and transmit the corresponding payment result information to the user terminal and the affiliated device, respectively.

According to the offline payment system of the present invention, a method and apparatus therefor, a user can easily make a payment by using a barcode on offline, even without a credit card.

In particular, the present invention has the effect of performing a more stable offline payment by generating a bar code for every payment in the user terminal on the basis of the information provided from the service device.

In addition, the present invention by performing the payment using the virtual card mapping number, it is possible to prevent the leakage of information related to the user's credit card in advance, and when the user terminal lost offline payment using the lost user terminal Can be blocked at source.

1 is a diagram illustrating the main configuration of an offline payment system according to an embodiment of the present invention.

2 is a block diagram showing the main configuration of a user terminal according to an embodiment of the present invention.

3 is a block diagram showing a main configuration of a service apparatus according to an embodiment of the present invention.

4 is a data flowchart illustrating an offline payment method according to an embodiment of the present invention.

5 is a screen example illustrating an offline payment method according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. However, in describing in detail the operating principle of the preferred embodiment of the present invention, if it is determined that the detailed description of the related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. This is to more clearly communicate without obscure the core of the present invention by omitting unnecessary description.

In addition, the same reference numerals are used for parts having similar functions and functions throughout the drawings.

Hereinafter, an offline payment system according to an embodiment of the present invention will be described.

1 is a diagram illustrating the main configuration of an offline payment system according to an embodiment of the present invention.

Referring to FIG. 1, an offline payment system 100 according to an embodiment of the present invention may include a user terminal 10, an affiliated store device 20, a service device 30, and a card company device 40. .

Referring to each configuration schematically, the user terminal 10 refers to a user device capable of transmitting and receiving various data via the communication network 50 in accordance with the user's operation. In addition, the user terminal 10 may perform voice or data communication through the communication network 50, and may transmit and receive various information for payment service with the service device 30. The user terminal 10 of the present invention for this purpose may include a browser for transmitting and receiving information, a memory for storing programs and protocols, a microprocessor for executing and controlling various programs, and the like.

In particular, the user terminal 10 according to an embodiment of the present invention may transmit and receive various information for the barcode generation and offline payment with the service device 30. In other words, the user terminal 10 executes the service application for the offline payment service, and when the offline payment selection input is confirmed by the user through the service application, in order to generate a barcode, information necessary for generating a barcode is provided by the service apparatus 30. Will be requested. Subsequently, when information necessary for generating a barcode is received from the service device 30, a barcode is generated based on the generated information, and then displayed through the service application. Then, by scanning the corresponding bar code through the barcode reader of the merchant device 20, the offline payment is made.

In order to perform the above operation, it is preferable that the user of the user terminal 10 first subscribe to an offline payment service provided by the service device 30. In order to subscribe to the service, the user may access the service page provided by the service device 30 using the user terminal 10 or a separate device, and then proceed with the service subscription. In addition, the service subscription can proceed through the service application. The service application may be installed in the user terminal 10 after downloading through the application store, and may be an application running on the downloaded virtual machine (VM) when the user terminal 10 is a feature phone. In addition, depending on the type of service provided by the service device 30, the service may be used even if the service application in the user terminal 10 is not driven in the cloud service method.

In this case, the user terminal 10 may induce the input of card information from the user when the service application is first executed. When the card information such as card information, for example, card type, card number, card expiration date, and card unique number (CVC, CVV, CID, etc.) is input from the user, the card information may be transmitted to the service device 30.

In addition, for the operation as described above, the user terminal 10 may perform member authentication through the service device 30 after receiving the personal member information (eg, a member password) from the user when executing the service application. . In addition, when the service application is executed, an application identification number corresponding to the service application may be used as the user identification number.

The user terminal 10 according to the embodiment of the present invention may be implemented in various forms. For example, the user terminal 10 described in the present specification may be a mobile terminal such as a smart phone, a tablet PC, a personal digital assistant, a portable multimedia player, or an MP3 player. Of course, a fixed terminal such as a smart TV, a desktop computer, or the like may be used.

The affiliated device 20 may be a POS or a terminal (computer, mobile phone, smartphone, etc.) installed in the affiliated store, and may be linked with the service device 30 by reading a barcode displayed through the service application of the user terminal 10. Do. The merchant device 20 may select product information on a payment service screen and select a payment method, and payment information (merchant information, product information, product amount, installment information, barcode recognition information) for a product requested by the user for purchase. Etc.) may be transmitted to the service device 30.

In addition, the affiliated store device 20 may scan a barcode image by an infrared method, a tagging method, or a Bluetooth method on the barcode displayed through the user terminal 10. Therefore, the affiliated store device 20 may be provided with a separate receiving device capable of recognizing a barcode displayed through the user terminal 10, for example, a barcode scanner, a barcode reader, or the like.

In addition, although not shown in the drawing, the affiliated store device 20 may transmit and receive related information through the service device 30 and a service payment agency (VAN), but a detailed description thereof will be omitted.

The service device 30 is an apparatus for providing an offline payment service according to an embodiment of the present invention. In particular, the service device 30 of the present invention receives an information request for generating a barcode from any one user terminal 10. Done. In this case, the service device 30 may further receive user information from the user terminal 10. The service device 30 receiving this checks whether there is a pre-stored virtual card number corresponding to the user information. The virtual card number may be generated when the service application is first executed through the user terminal 10 as described above. When the card information is received from the user terminal 10, the service device 20 may correspond to the card information. The virtual card number is generated, and transmitted to the card company device 40 together with the actual card information to register. If there is no pre-stored virtual card number corresponding to the user information, the service device 30 may transmit information indicating that card information input is required to the user terminal 10.

When the virtual device number is confirmed, the service device 30 generates a virtual card mapping number corresponding to the virtual card number. In addition, the service device 30 transmits the user information (or virtual card mapping number) of the user terminal 10 to the card company device 40, and requests the authentication number generation. The card company device 40 confirms that the user of the user terminal 10 generates an authentication number for authenticating that the user is an authenticated user subscribed to its card service, or that the card is a normal card instead of a lost or abnormal card. . The authentication number generation may be generated differently each time when the service device 30 requests the card company device 40.

Thereafter, when the authentication number generated from the card company device 40 is received, the service device 30 extracts a card prefix number consisting of arbitrary numbers for transaction classification. The card prefix number may be generated based on the virtual card mapping number or in any numeric form. The card prefix number may be used as information necessary for generating a barcode and at the same time, when payment information is received from the affiliated store device 20, the payment information may be used to authenticate the payment information. In other words, when a service payment agent for payment is located between the merchant device 20 and the service device 30, the payment information generated from the merchant device 20 is provided by the service device 30 in the service payment agent. It may be used to determine whether the payment information according to the offline payment service.

Thereafter, the service device 30 transmits the authentication number, the virtual card mapping number, and the card prefix number received from the card company device 40 to the user terminal 10. As described above, the user terminal 10 generates the barcode, and the affiliated device device 20 that wishes to make a payment scans the barcode and reads the barcode, thereby exerting the same effect as recognizing the user's credit card.

Thereafter, the affiliated store device 20 transmits the payment information according to the payment to the service device 30. The payment information may be merchant information, product information, product amount, payment amount, barcode recognition information, and the like.

The service device 30 that receives this checks the card company device 40 corresponding to the bar code recognition information, and transmits the payment information to the card company device 40. Thereafter, when the payment result information corresponding to the payment information is received from the card company device 40, the service device 30 may transmit the payment result information to the affiliated store device 20 and the user terminal 10, respectively.

The card company device 40 may be a server operated by the card company, or may be a device that actually performs payment based on credit card information (real card number). The service device 30 may interwork with a plurality of card company devices 40 or one card company device 40 that manages the plurality of card company devices 40. In addition, when payment information is received from the service device 30, the card company device 40 may approve the payment information and transmit the result information according to the payment approval to the service device 30.

A more specific operation method in the user terminal 10 and the service device 30 of the present invention will be described later, and as described above, the user terminal 10 and the service device 30 or the affiliated device device 20 of the present invention. The service device 30 transmits and receives various related information through the communication network 50, and the communication network 50 may use various types of communication networks.

For example, wireless communication methods such as wireless LAN (WLAN), Wi-Fi, Wibro, Wimax, Wimax, and High Speed Downlink Packet Access (HSDPA), or Ethernet, xDSL (ADSL, VDSL) , Wired communication methods such as Hybrid Fiber Coaxial Cable (HFC), Fiber to The Curb (FTTC), and Fiber To The Home (FTTH).

Further, in addition to the above-described communication method, it may include all other types of communication methods that are well known or developed in the future.

Hereinafter, the main configuration and operation method of the user terminal 10 according to an embodiment of the present invention.

2 is a block diagram showing the main configuration of a user terminal according to an embodiment of the present invention.

1 and 2, the user terminal 10 of the present invention may include a communication unit 11, a control unit 12, a storage unit 13, an input unit 14, and a display unit 15. .

In more detail with respect to each component, first, the communication unit 11 transmits and receives various information related to the service device 30 through the communication network 50, in particular, the communication unit 11 of the present invention is a service device ( 30 and requests information necessary for generating a barcode together with offline payment selection input information, and serves to receive information necessary for generating a barcode with the service device 30. The communication unit 11 may transmit and receive data using various communication methods as well as wired and wireless methods, and the communication unit 11 for this includes a plurality of communication modules which transmit and receive data according to different communication methods. can do.

The control unit 12 performs overall control of the user terminal 10 according to an exemplary embodiment of the present invention. For example, the control unit 12 controls the flow of signals for supplying power and performing functions to each component constituting the user terminal 10. Done. In this case, the control unit 12 may be a process unit for driving an operating system (OS) and each component, for example, a central processing unit (CPU).

In particular, the control unit 12 according to an embodiment of the present invention may first perform a role of supporting a user's subscription to an offline payment service. In order to use the offline payment service of the present invention as described above, it is preferable that the user first subscribes to the service. To this end, the control unit 12 accesses a service page provided by the service device 30, for example, a web page, and then, through the communication unit 11, various information for subscription to a service input from a user according to the guidance of the service page. It may serve to deliver to the service device 30. Various information for the service subscription may be user information that can perform user authentication, such as a service subscription ID and password. In addition, user authentication may be performed through an application authentication method other than the above method. To this end, the controller 12 preferably stores the service application for using the above-described offline payment service in the storage unit 13 and installs it in the user terminal 10. When installing a service application, a user identification may be performed based on a unique identification number of the user terminal 10 corresponding to the service application, for example, an electronic serial number (ESN), a mobile identification number (MIN), or the like. It may be.

In addition, when the card information is input from the user at the time of service subscription, the card information may be controlled to be transmitted to the service device 30.

In addition, the controller 12 controls the overall process of executing the service application, and controls various processes for the offline payment service through the service application. In particular, the controller 12 of the present invention transmits the request information to the service device 30 to send the information necessary for generating the barcode when the offline payment selection input is confirmed by the user through the service application.

For example, when a user executes a service application, first, the controller 12 may control to display the currently selected card information through the service application. In this case, the selected card information is card information registered at the time of service subscription, and may support user registration of additional card information.

In addition, the controller 12 displays related information so that a user can select a payment method. There are two types of payment methods: online payment and offline payment. In the case of offline payment, payment can be performed using a barcode.

Thereafter, when the information necessary for generating the barcode is received from the service device 30, the controller 12 may generate the barcode based on the information. In general, barcodes can be classified into one-dimensional barcodes and two-dimensional barcodes according to their shapes. One-dimensional barcodes, as is known, consist of an array pattern of bars and spaces of various widths, and can represent ASCII characters as digital data of 0 and 1 depending on the pattern. On the other hand, two-dimensional barcodes can record up to 7,089 characters, up to 4,296 characters, and up to 1,817 Chinese characters by using horizontal and vertical, unlike one-dimensional barcodes that can only contain up to 20 numeric information. Means a barcode. Recently, it is widely used as a QR code. Hereinafter, one embodiment of the present invention for convenience of description to be described based on the one-dimensional barcode, but is not limited to this, it is also possible to apply a two-dimensional barcode.

Such a barcode may be configured in the following format.

Table 1

division	Explanation
Start code	Means start of barcode
Data code	Actual code data, data can be any combination of numbers from 0 to 102
Parity code	Error detection code for data code
End code	Means the end of the barcode
Quiet zone	Specify the beginning and end of the barcode at least 10 times the narrowest element of the margin

The control unit 12 of the present invention generates a bar code based on the information required for generating the bar code from the service device 30 in the state of previously storing the bar code generation rule as described above. In this case, the information necessary for generating a barcode is used as a data code in Table 1 above.

Information received from the service device 30 includes a card prefix number, a virtual card mapping number, and an authentication number. Receiving this, the control unit 12 combines the card prefix, the virtual card mapping number, and the authentication number as a data code, and generates a barcode according to a predetermined rule.

The controller 12 may further include a barcode generation module 12a for generating the barcode.

Thereafter, the controller 12 displays the generated barcode through the service application. The merchant device 20 scans and reads it.

Thereafter, the affiliated store device 20 generates payment information based on reading and transmits the payment information to the service device 30. The payment information may be merchant information, product information, product amount, installment information, barcode recognition information (card prefix, virtual card mapping number, authentication number), and the like. Subsequently, when the payment proceeds normally, the service device 30 transmits the payment result information indicating that the payment has been successfully made to the user terminal 10 and the affiliated device device 20, respectively, and receives the received user terminal 10. The controller 12 may control the payment result information to be displayed on a service application.

The storage unit 13 may temporarily store various data generated during execution of the application program, including an application program required for operating a function according to an exemplary embodiment of the present invention. In particular, the storage unit 13 of the present invention may store various information related to the service application 13a for offline payment service, and may store various information received from the service device 30 for generating a barcode. In this case, when the execution of the service application is terminated for various information received from the service device 30 for generating a barcode, the stored data may be deleted.

The storage unit 13 may largely include a program area and a data area. The program area stores relevant information for driving the user terminal 10 such as an operating system (OS) for booting the user terminal 10, and the data area is an area in which data generated according to the use of the user terminal 10 is stored. As described above, information received from the service device 30 may be temporarily stored. The storage unit 13 may include a flash memory, a hard disk, a memory of a multimedia card micro type (eg, SD or XD memory), a RAM, a ROM, and the like. ROM) and a storage medium.

The input unit 14 receives various information such as numeric and character information input from a user, and transmits a signal input in connection with setting various functions and controlling functions of the user terminal 10 to the controller 13. In particular, the input unit 14 of the present invention supports the input of various user information for the offline payment service.

The input unit 14 may include at least one of a keypad and a touch pad generating an input signal according to a user's touch or manipulation. In this case, the input unit 14 may be configured in the form of a single touch panel (or touch screen) together with the display unit 15 to be described later to simultaneously perform input and display functions. In addition, the input unit 14 may include a key input means such as a keyboard or a keypad, a touch input means such as a touch sensor or a touch pad, a gyro sensor, a geomagnetic sensor, an acceleration sensor and a proximity sensor, and a gesture including at least one of a camera. It may comprise one or more of an input means or a voice input means. In addition, it may include all types of input means that are currently under development or may be developed in the future.

The display unit 15 displays information on a series of operation states and operation results that occur during the functioning of the user terminal 10. In particular, the display unit 15 of the present invention may display a variety of information generated during service application execution, and may display the generated barcode through the service application.

The display unit 15 includes a liquid crystal display (LCD), a thin film transistor LCD (TFT-LCD), organic light emitting diodes (OLED), a light emitting diode (LED), an active matrix organic LED (AMOLED), and a flexible display (Flexible display). ) And a three-dimensional display (3 Dimension) or the like.

As described above, main components of the user terminal 10 have been described with reference to FIG. 2. However, not all components illustrated in FIG. 2 are essential components, and the user terminal 10 may be implemented by more components than the illustrated components, and the user terminal 10 may be implemented by fewer components. ) May be implemented.

In addition, in an embodiment of the present invention, when the user terminal 10 receives information for generating a barcode from the service device 30, the user terminal 10 generates a barcode based on this and performs offline payment as an example. Although not limited, if the user terminal 10 further includes a NFC (Near Field Communication) tag generation module, after generating the NFC tag in combination with the USIM identification number provided in the user terminal 10, NFC tagging Depending on the method, you can also make offline payments.

Hereinafter, the main configuration and operation method of the service device 30 according to an embodiment of the present invention will be described.

3 is a block diagram showing a main configuration of a service apparatus according to an embodiment of the present invention.

1 and 3, the service device 30 of the present invention may include a service communication unit 31, a service control unit 32, and a service storage unit 33.

The service communication unit 31 may transmit and receive various information for offline payment service with the user terminal 10, the affiliated store device 20, and the card company device 40 through the communication network 50. In particular, when the service communication unit 31 of the present invention receives an information request for generating a barcode from the user terminal 10, the service communication unit 31 may transmit the corresponding information to the user terminal 10, and the payment information from the affiliated store device 20. If received, it may be transmitted to the card company device 40, and the payment result information received from the card company device 40 may be transmitted to the user terminal 910 and the merchant device 20.

The service control unit 32 plays a role of controlling the overall process of the service device 30 according to an embodiment of the present invention. In particular, the service control unit 32 of the present invention will control the offline payment service subscription process of the user of the user terminal 10. At this time, when the card information is received from the user terminal 10, a virtual card number that can be used for the offline payment service instead of the card information is generated. Thereafter, the generated virtual card number and card information are transmitted to the card company device 40 to be registered. In addition, when the card information is received from the user terminal 10 when the service application is first executed or the initial card information registration as well as the service subscription, the service controller 32 generates a virtual card number based on the card information. The payment is performed using the virtual card number for various payments generated.

In addition, the service control unit 32 transmits the information necessary for generating the barcode to the user terminal 10 when the information request for generating the barcode is received from the user terminal 10. The information necessary for generating the barcode includes a card prefix number, a virtual card mapping number, and an authentication number.

In more detail, when the service controller 32 receives an information request for generating a barcode from the user terminal 10 and preferably receives user identification information together, the service controller 32 stores the virtual stored in advance based on the user identification information. You will be asked to confirm your card number. The virtual card mapping number is generated corresponding to the confirmed virtual card number. The virtual card mapping number is information to be used for offline payment instead of the virtual card number, and may be composed of any number that can be mapped to the virtual card number. The service control unit 32 generates a card prefix number for distinguishing a transaction. The card prefix number may be generated by extracting an arbitrary number from the virtual card number or by using a separate number to extract the card prefix number.

Then, the service control unit 32 requests the authentication number to the card company device 40 corresponding to the confirmed virtual card number. Since the virtual card number is an arbitrary appointment between the card company device 40 and the service device 30, the virtual card number may be transmitted to the card company device 40 to request an authentication number, and the user terminal 10 may be distinguished. You can request a verification number by sending separate information together. In this case, the authentication number may be newly generated and transmitted to the user terminal 10 whenever a barcode generation request is transmitted from the user terminal 10.

After that, when the authentication number is received from the card company device 40, the service control unit 32 transmits the card prefix number, the virtual card mapping number, and the authentication number to the user terminal 10.

As described above, the user terminal 10 generates a barcode based on the information, and the merchant device 20 scans the generated barcode and reads the generated barcode to generate payment information.

After the payment information is generated, the payment information is transmitted to the service device 30 to request approval. The service control unit 32 of the service device 30 receiving this checks the barcode recognition information (card prefix number, virtual card mapping number, and authentication number) included in the payment information. Thereafter, the service control unit 32 checks the virtual card number corresponding to the cardholder card mapping number, and then transmits the payment information to the corresponding card company device 40 and requests payment approval. At this time, the service control unit 32 further includes an authentication number received from the card company device 40 at the time of barcode generation, and transmits it to the card company device 40, and the card company device 40 receiving the barcode is issued by the authentication number. You can also confirm the verification number and approve the payment.

As such, when offline payment is performed according to an embodiment of the present invention, the offline payment can be further strengthened by performing offline payment based on information required for barcode generation instead of the user's card number.

In addition, by performing offline payment based on the virtual card mapping number instead of the virtual card number, it is possible to minimize the possibility that the user information can be leaked.

Various information generated through the above-described process may be stored in the service storage unit 33.

The device storage unit 33 stores various information related to the offline payment service of the present invention as described above, and is based on the authentication number issued from the card company device 40 and the card information received from the user terminal 10. The generated card prefix number and the virtual card mapping number corresponding to the virtual card number may be stored.

The main configuration and operation method of the service device 30 according to the embodiment of the present invention have been described above.

In an embodiment of the present invention, the authentication number, the card prefix number, the virtual card number, and the virtual card mapping number have been described as an example of being implemented as a combination of numbers, but the present invention is not limited thereto. May be

In addition, the service apparatus 30 as described above has the same configuration as a conventional web server or network server in hardware. However, software includes program modules implemented through languages such as C, C ++, Java, Visual Basic, Visual C, and the like. The service device 30 may be implemented in the form of a web server or a network server, which is generally connected to an unspecified number of clients and / or other servers via an open computer network, such as the Internet, and which is a client or other web server. It refers to a computer system that accepts a request to perform a work and derives and provides a work result thereof, and a computer software (web server program) installed therefor. However, in addition to the above-described web server program, it should be understood as a broad concept including a series of application programs (Application Program) operating on a web server and in some cases various databases built therein. The service device 200 uses a web server program that is variously provided according to operating systems such as DOS, Windows, Linux, UNIX, Macintosh, and the like for general server hardware. A typical example may be a website used in a Windows environment, a website used in a Windows environment, an Internet Information Server (IIS), a CERN used in a UNIX environment, an NCSA, an APPACH, or the like. In addition, the service device 30 may classify the service subscription information, store and manage the service subscription information in a member database, and the database may be implemented inside or outside the service device 30. In this case, the database implemented in the service device 30 may be a service storage unit 33. Such a database refers to a general data structure implemented in a storage system (hard disk or memory) of a computer system using a database management program (DBMS), and can freely search (extract) data, delete data, edit data, and add data. It is a data storage type that can be used, such as relational database management systems (RDBMS) such as Oracle, Infomix, Sybase, DB2, Gemston, Orion, Object-oriented database management system (OODBMS) such as O2 and XML Native Database such as Excelon, Tamino, Sekaiju, etc. can be implemented for the purpose of this embodiment. And may have appropriate fields or elements to achieve its function.

In addition, the service device 30 of the present invention may be implemented as one or more servers operating in a cloud manner. In particular, the information transmitted and received through the offline payment system 100 may be provided through a cloud computing function that may be permanently stored in a cloud computing device on the Internet. Here, cloud computing utilizes Internet technologies in digital terminals such as desktops, tablet computers, laptops, netbooks, and smartphones to virtualize information technology (IT) resources such as hardware (servers, storage, networks, etc.) and software. It refers to a technology that provides services on demand (database, security, web server, etc.), services, and data. In the present invention, all information transmitted and received between the user terminal 10, the merchant device 20, the service device 30 and the card company device 40 is stored in the cloud computing device on the Internet, and can be transmitted anytime, anywhere have.

Hereinafter, an offline payment method according to an embodiment of the present invention will be described with reference to FIGS. 4 and 5.

4 is a data flowchart illustrating an offline payment method according to an exemplary embodiment of the present invention, and FIG. 5 is an exemplary view illustrating a offline payment method according to an exemplary embodiment of the present invention.

Referring to FIG. 4, in order to use the offline payment method of the present invention, first, a service application must be executed in the user terminal 10 (S101). The service application may be executed in a state in which the service application is pre-installed in the user terminal 10. After accessing the service device 30, the service application may be executed by using the cloud service method from the service device 30. have. Here, for convenience of description, it will be described on the assumption that the user terminal 10 is pre-registered in the offline payment service of the present invention, and information necessary for payment such as card information is registered in advance.

When the service application is executed in the user terminal 10, the user terminal 10 may display an initial screen of the service application as illustrated in FIG. 5A. Subsequently, when a password is input from the user, the user terminal 10 may perform the user authentication by transmitting the password to the service device 30 together with identification information (ID, user terminal identification information, application identification information, etc.). If the user authentication is successfully performed, as shown in FIG. 5B, a screen for selecting and inputting an online payment or an offline payment method is displayed.

At this time, if more than one card type is registered in the offline payment service, the user may select a card type. In this case, by selecting only the corresponding card type, the card number may be automatically displayed even if no input is performed. In addition, a user may select a payment method through the screen.

Thereafter, when the user selects an offline payment selection from the user as shown in FIG. 5B (S103), the user terminal 10 transmits a request for related information to the service device 30 to generate a barcode required for offline payment. (S107). The service device 30 that receives this retrieves the corresponding virtual card number of the user terminal 10. Here, when there are two or more types of cards registered in the offline payment service, the user terminal 10 may further include card identification information in step S107 to transmit to the service device 30. Here, the card identification information is simply identification information for distinguishing cards, not information such as a credit card number.

Thereafter, the service device 30 checks the card company device 40 corresponding to the virtual card number (S109).

Thereafter, the service device 30 requests the authentication number to the confirmed card company device 40 (S111). In this case, the service device 30 may transmit the virtual card number to the card company device 40, and the card company device 40 may receive the virtual card number and generate an authentication number after checking the virtual card number (S113). Thereafter, the card company device 40 transmits the authentication number generated to the service device 30 (S115).

The service device 30 generates a card prefix number (S117). The card prefix number may be generated by extracting an arbitrary number based on the virtual card number, or may be generated in a numeric form separate from the virtual card number. This card prefix number is used to distinguish payments and may vary each time. In addition, the service device 30 generates a virtual card mapping number corresponding to the virtual card number (S119). The virtual card mapping number is a number used for payment instead of the virtual card number, and may consist of any number combination that can be mapped to the virtual card number. The virtual card mapping number may be generated differently every time of payment.

The step S119 in the step S109 is shown to be sequentially generated for convenience of description, but is not necessarily sequentially generated, the card prefix number may be generated first or the virtual card mapping number may be generated first. In addition, the above steps may be performed simultaneously.

Subsequently, when the service device 30 transmits a card prefix number, a virtual card mapping number, and an authentication number, which are information necessary for generating a barcode, to the user terminal 10, the user terminal 10 generates a barcode based on the information. (S123).

For example, as shown in FIG. 5C, the user terminal 10 displays the generated barcode through the service application, and the affiliated store device 20 scans and reads the barcode. Thereafter, the affiliated store device 20 generates payment information according to the reading, and transmits the generated payment information to the service device 30 (S127), and the card company device 40 corresponding to the received service device 30. Request a payment (S129).

In this case, the service device 30 receives payment information including merchant information, product information, product amount, installment information, barcode recognition information (card prefix number, virtual card mapping number, authentication number), etc. from the merchant device 20. After checking the corresponding card company device 40, the service device 30 transmits the payment information to the card company device 40.

When the card company device 40 receives the authentication number issued by the service device 30 from the service device 30, the card company device 40 recognizes that the payment information is normal payment information, performs the corresponding payment, and then outputs the result information about the service device 30. To send). The service device 30 that has received this may transmit payment result information to each of the affiliated device device 20 and the user terminal 10 (S133).

In this case, the service device 30 may transmit payment result information only to the affiliated device device 20, and the affiliated device device 20 may provide a user with a receipt in a printed form.

In this way, a user can more easily perform a payment using a barcode while offline without having a credit card.

In addition, by generating a bar code for each payment in the user terminal 10 on the basis of the information provided from the service device 30, there is an effect that can be more stable offline payment.

In addition, the present invention by performing the payment by using the virtual card mapping number, it is possible to prevent the information related to the user's credit card is leaked in advance, and when the user terminal lost lost user terminal 10 information When the service device 30 stores the data, the offline payment using the lost user terminal 10 may be blocked.

In the above, the offline payment method according to an embodiment of the present invention has been described.

The offline payment method according to an embodiment of the present invention may be implemented as computer readable codes on a computer readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination, and includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include optical media such as magnetic media, such as hard disks, floppy disks, and magnetic tape, compact disk read only memory (CD-ROM), and digital video disks (DVD). Stores magnetic-optical media such as optical media, floppy disks and program instructions such as read only memory (ROM), random access memory (RAM), flash memory, etc. And hardware devices specially configured to perform.

The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. In addition, functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers in the art to which the present invention belongs.

Although described and illustrated with reference to a preferred embodiment for illustrating the technical idea of the present invention, the present invention is not limited to the configuration and operation as shown and described as such, without departing from the scope of the technical idea Those skilled in the art will appreciate that many variations and modifications to the present invention are possible. Accordingly, all such suitable changes and modifications and equivalents should be considered to be within the scope of the present invention.

Meanwhile, in the above description of the present invention, specific embodiments have been described, but various modifications may be made without departing from the scope of the present invention. For example, in an embodiment of the present invention, the generation of the bar code in the user terminal 10 has been described as an example. However, the present invention is not limited thereto, and the service device 30 generates the bar code, and the generated bar code is stored in the user terminal 10. Can also be sent.

A computer program (also known as a program, software, software application, script or code) mounted on an apparatus according to the invention and executing a method according to the invention is a programming comprising a compiled or interpreted language or a priori or procedural language. It can be written in any form of language, and can be deployed in any form, including stand-alone programs or modules, components, subroutines, or other units suitable for use in a computer environment. Computer programs do not necessarily correspond to files in the file system. A program may be in a single file provided to the requested program, in multiple interactive files (eg, a file that stores one or more modules, subprograms, or parts of code), or part of a file that holds other programs or data. (Eg, one or more scripts stored in a markup language document). The computer program may be deployed to run on a single computer or on multiple computers located at one site or distributed across multiple sites and interconnected by a communication network.

Although the specification includes numerous specific implementation details, these should not be construed as limiting to any invention or the scope of the claims, but rather as a description of features that may be specific to a particular embodiment of a particular invention. It must be understood. Certain features that are described in this specification in the context of separate embodiments may be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments individually or in any suitable subcombination. Furthermore, while the features may operate in a particular combination and may be initially depicted as so claimed, one or more features from the claimed combination may in some cases be excluded from the combination, the claimed combination being a subcombination Or a combination of subcombinations.

Likewise, although the operations are depicted in the drawings in a specific order, it should not be understood that such operations must be performed in the specific order or sequential order shown in order to obtain desirable results or that all illustrated operations must be performed. Moreover, the separation of the various system components of the above-described embodiments should not be understood as requiring such separation in all embodiments, and the described program components and systems will generally be integrated together into a single software product or packaged into multiple software products. It should be understood that it can.

The present invention relates to an offline payment method, a system and an apparatus therefor, and more particularly, to generate a barcode in a user terminal based on information provided from a service device, and then perform an offline payment using the generated barcode. The present invention relates to an offline payment system, and a method and apparatus for the same. According to the present invention, even if a user does not have a credit card, the user can easily make a payment by using a barcode on offline, and by generating a barcode for every payment at a user terminal based on information provided from a service device. As a result, it is possible to perform offline payments more stably, thereby contributing to the development of the electronic payment service industry. In addition, the present invention has industrial applicability because the present invention is not only sufficiently commercially available or commercially viable, but also practically clearly implemented.

Claims (13)

1. Service communication unit for transmitting and receiving a variety of information with the user terminal, card company device, merchant device; And

   When a request for information necessary for generating a barcode is received from one of the user terminals, after checking the pre-stored virtual card number corresponding to the user terminal, requesting and receiving an authentication number from the card company device corresponding to the virtual card number, A service control unit for controlling information for generating a barcode including the authentication number, a card prefix number for distinguishing payment, and a virtual card mapping number corresponding to the virtual card number to be transmitted to the user terminal through the service communication unit;

   Service device comprising a.
2. The method of claim 1,

   A service storage unit storing various information for an offline payment service;

   Further comprising, the service control unit

   When receiving the first card information from the user terminal, after generating a virtual card number based on the card information, the service device characterized in that the control to be stored in the service storage and transmitted to the card company device at the same time.
3. The method of claim 1, wherein the service control unit

   And extracting a predetermined number of digits from the virtual card number to generate a card prefix number or a card prefix number in a random form.
4. The method of claim 1, wherein the service control unit

   And a virtual card mapping number of any form corresponding to the virtual card number.
5. The method of claim 1, wherein the service control unit

   When payment information generated according to a bar code scan displayed on a user terminal is received from one of the affiliated store devices, the virtual card number corresponding to the virtual card mapping number included in the payment information is checked, and the card company corresponding to the virtual card number. After requesting payment by transmitting the payment information to a device, if the payment result information is received from the card company device, the service device, characterized in that for transmitting the payment result information to either the merchant device or the user terminal.
6. Communication unit for transmitting and receiving a variety of information with the service device;

   A storage unit for storing a service application; And

   When the offline payment selection input is confirmed through the service application, an information request for generating a barcode is transmitted to a service device, and when information necessary for generating the barcode is received from the service device, a barcode is generated based on the information. A control unit controlling the output through the service application;

   A user terminal comprising a.
7. The method of claim 6, wherein the control unit

   When the service application is executed for the first time, the user terminal characterized in that the control to display a screen through which the card information can be input from the user via the service application.
8. When the offline payment selection input is confirmed through a service application, a request for information necessary for generating a barcode is transmitted to a service device, and when information necessary for generating the barcode is received from the service device, a barcode is generated based on the information to generate the service. A user terminal displayed through the application; And

   When a request for information necessary for generating a barcode is received from one of the user terminals, a request for an authentication number is received from a card company device corresponding to a previously stored virtual card number, and then the card prefix number for distinguishing the authentication number and payment and the virtual A service device for transmitting information necessary for generating a barcode including a virtual card mapping number corresponding to a card number, to the user terminal;

   Offline payment system comprising a.
9. Receiving, by the service apparatus, an information request for generating a barcode from any one user terminal;

   Confirming, by the service apparatus, a virtual card number stored in advance in correspondence with the user terminal;

   Requesting and receiving an authentication number from a card company device corresponding to the virtual card number, by the service device;

   Transmitting, by the service apparatus, information necessary for generating a barcode including the authentication number, a card prefix number for distinguishing payment, and a virtual card mapping number corresponding to the virtual card number, to the user terminal; And

   Generating, by the user terminal, a barcode based on the information necessary for generating the barcode and displaying the barcode through a service application;

   Offline payment method comprising a.
10. The method of claim 9,

    Prior to receiving the information request,

    And if the user terminal confirms an input of an offline payment selection through a service application, transmitting the information necessary for generating a barcode to the service device and requesting the information.
11. The method of claim 9,

    In the checking of the virtual card number,

    Requesting card registration from the user terminal when the service device does not have a pre-stored virtual card number;

    Offline payment method characterized in that it further comprises.
12. The method of claim 9,

    The step of transmitting the information necessary for generating the barcode to the user terminal is

    Extracting, by the service device, a predetermined number of digits from the virtual card number or generating a card prefix number in a random form; And

    Generating, by the service device, a virtual card mapping number corresponding to the virtual card number;

    Offline payment method characterized in that it further comprises.
13. The method of claim 9,

    After the displaying step,

    Scanning a barcode displayed by the service application of the user terminal by a barcode reader of an affiliated store device;

    Generating, by the merchant device, payment information according to the scan result and transmitting the generated payment information to the service device; And

    Transmitting, by the service device, the payment information to the card company device, and transmitting corresponding payment result information to the user terminal and the affiliated store device, respectively;

    Offline payment method characterized in that it further comprises.

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