WO2015083918A1 - Method and system for providing payment service - Google Patents

Method and system for providing payment service Download PDF

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Publication number
WO2015083918A1
WO2015083918A1 PCT/KR2014/007192 KR2014007192W WO2015083918A1 WO 2015083918 A1 WO2015083918 A1 WO 2015083918A1 KR 2014007192 W KR2014007192 W KR 2014007192W WO 2015083918 A1 WO2015083918 A1 WO 2015083918A1
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WO
WIPO (PCT)
Prior art keywords
payment
information
authentication number
user terminal
affiliated store
Prior art date
Application number
PCT/KR2014/007192
Other languages
French (fr)
Korean (ko)
Inventor
김명석
장석호
Original Assignee
비씨카드 주식회사
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to KR20130151819 priority Critical
Priority to KR10-2013-0151819 priority
Priority to KR10-2014-0036181 priority
Priority to KR1020140036181A priority patent/KR101624282B1/en
Application filed by 비씨카드 주식회사 filed Critical 비씨카드 주식회사
Priority claimed from CN201480060520.XA external-priority patent/CN105745677A/en
Publication of WO2015083918A1 publication Critical patent/WO2015083918A1/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821Electronic credentials
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227Use of a security embedded in M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices using wireless networks
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
    • G06Q20/363Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes with the personal data files for a user
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4012Verifying personal identification number [PIN]

Abstract

Provided is a method for providing a payment service by an affiliated store terminal, the method comprising the steps of: (a) receiving multiple pieces of payment means replacement information stored to match a user corresponding to identification information of a user terminal, from a payment server which has received, from the user terminal, a payment request including a first authentication number, location information of the user terminal, and identification information of the user terminal; (b) inputting selection information on one of the multiple pieces of payment means replacement information, and the first authentication number; and (c) transmitting, to the payment server, a payment approval request including the payment means selection information, the first authentication number, and a second authentication number.

Description

Method and system for providing payment service

The present invention relates to a method and system for providing a payment service, and more particularly, to a method and system for completing a payment at an affiliated store by providing an authentication number received by a user terminal to a payment server. .

In the case of a credit transaction using a general credit card, the transaction is possible only if the credit card is directly owned. In the case of such a credit transaction, illegal use or damages frequently occur, and the credit transaction needs improvement.

As a result, studies are being actively conducted on the method of using a mobile phone, which is a personal necessity, as a means of payment such as cash and credit card.

As an example, there is a mobile phone payment method using a CDMA wireless communication network, there is a problem limited to a small payment, and a problem that cannot be paid by a mobile phone payment method in a general merchant.

In addition, in order to make a mobile phone payment at an affiliated store, an infrastructure was required, and there was a problem that personal information such as mobile phone information was exposed to the merchant owner during the payment process.

On the other hand, the payment means using the infrared sensor, etc. employs a method for sensing the signal output through the infrared sensor to perform the payment, such a method, there was no limit to the detection distance and angle of the infrared sensor, Accordingly, in order to detect the output signal of the infrared sensor embedded in the mobile phone, there was an inconvenience in that the mobile phone must be accurately positioned in the infrared detection unit.

Therefore, there is a need to develop a technology capable of minimizing the exposure of personal information and transaction information while minimizing the need for possession of a physical card during a transaction at a merchant.

An object of the present invention is to solve the above-mentioned problems of the prior art.

Another object of the present invention is to enable a user to complete a payment simply by transmitting an authentication number to a payment server without having a payment method in a general merchant.

Another object of the present invention is to enable the merchant to complete the payment for the user even if the user does not have a special action.

According to an embodiment of the present invention for achieving the above object, a method for providing a payment service by a merchant terminal, (a) a first authentication number from the user terminal, the location information of the user terminal and the Receiving a plurality of payment means replacement information stored in matching with the user corresponding to the identification information of the user terminal from the payment server that receives the payment request, including the identification information; (b) inputting selection information on any one of the plurality of payment means replacement information; (c) inputting the first authentication number; And (d) transmitting a payment approval request to the payment server, the payment method selection information including the payment method selection information, the first authentication number, and the second authentication number.

On the other hand, according to another embodiment of the present invention, in the payment server provides a payment service, (a) including a first authentication number, the location information of the user terminal and the identification information of the user terminal from the user terminal; Receiving a payment request; (b) transmitting, to the affiliated store terminal, a plurality of payment means replacement information stored in correspondence with the user, corresponding to the identification information of the user terminal, corresponding to the location information of the user terminal; (c) receiving a payment approval request from the merchant terminal, the payment approval request including selection information on any one of the plurality of payment means replacement information, the first authentication number and the second authentication information; And (d) determining whether to approve payment based on the first authentication number and the second authentication number included in the payment approval request.

In addition, according to another embodiment of the present invention, from the payment server that receives the payment request, including the first authentication number, the location information of the user terminal and the identification information of the user terminal from the user terminal, A payment information receiver configured to receive a plurality of payment means replacement information stored in a match with a user corresponding to the identification information; A payment information input unit configured to input selection information on any one of the plurality of payment means replacement information and the first authentication number; And a payment approval request unit for transmitting a payment approval request to the payment server, the payment method selection information including the payment means selection information, the first authentication number, and the second authentication number.

On the other hand, according to another embodiment of the present invention, when receiving a payment request including a first authentication number, the location information of the user terminal and the identification information of the user terminal from the user terminal, corresponding to the user terminal identification information A payment means substitute information transmission unit configured to transmit a plurality of payment means substitute information stored in match with a user to an affiliated store terminal corresponding to the location information of the user terminal; And when the payment approval request is received from the affiliated store terminal, the payment approval request including selection information on any one of the plurality of payment means replacement information, the first authentication number, and the second authentication information. Based on the first authentication number and the second authentication number, a payment service providing system including a payment approval unit for determining whether to approve payment is provided.

According to another embodiment of the present invention, a method for providing a payment service by using customer identification and alternative information of a payment means in a payment service providing system, wherein the user terminal acquires an affiliate store acquired through Bluetooth communication with the affiliated store terminal Receiving information from the user terminal; Determining a location of a customer based on the affiliated store identification information, and transmitting replacement information for recognition of the customer and payment method replacement information corresponding to the actual payment method of the customer to the affiliated store terminal; And receiving a payment request including the payment means replacement information and payment information for the transaction from the affiliated store terminal to perform the payment.

In addition, according to another embodiment of the present invention, a system for providing a payment service using the customer identification and alternative information of the payment means, which is obtained through Bluetooth communication with the merchant terminal, merchant identification information received from the user terminal Determining the location of the customer on the basis of the personal identification replacement information transmission unit for transmitting the replacement information for the recognition of the customer to the merchant terminal; A payment means substitute information transmitting unit which transmits payment means substitute information corresponding to the actual payment means of the customer to the affiliated store terminal based on the affiliated store identification information; And a payment approval unit configured to receive a payment request including the payment means replacement information and payment information for the transaction from the affiliated store terminal and perform a payment.

According to the present invention, payment can be completed at the affiliated store only by the user transmitting the personal identification number to the payment server without having a payment method.

In addition, according to the present invention, even if the user does not have a special behavior, the merchant owner can complete the payment for the user.

On the other hand, according to the present invention, the payment can be performed through the identification number, it is possible to minimize the exposure of personal information and exposure of transaction information.

 1 is a view schematically showing the overall configuration of a payment service providing system according to an embodiment of the present invention.

2 is a view showing in detail the configuration of the merchant terminal according to an embodiment of the present invention.

3 is a view for explaining the detailed configuration of the payment server according to an embodiment of the present invention.

4 is a view for explaining in detail the configuration of a payment server according to another embodiment of the present invention.

5 is a view for explaining the entire process of the payment service according to an embodiment of the present invention.

6 is a diagram illustrating a process of providing a payment service according to another embodiment of the present invention.

DETAILED DESCRIPTION The following detailed description of the invention refers to the accompanying drawings that show, by way of illustration, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different but need not be mutually exclusive. For example, certain shapes, structures, and characteristics described herein may be embodied in other embodiments without departing from the spirit and scope of the invention with respect to one embodiment. In addition, it is to be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the invention. The following detailed description, therefore, is not to be taken in a limiting sense, and the scope of the present invention, if properly described, is defined only by the appended claims, along with the full range of equivalents to which such claims are entitled. Like reference numerals in the drawings refer to the same or similar functions throughout the several aspects.

DETAILED DESCRIPTION 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 can easily implement the present invention.

[Preferred Embodiments of the Invention]

1 is a view schematically showing the overall configuration of a payment service providing system according to an embodiment of the present invention.

Referring to FIG. 1, the system of the present invention may include a user terminal 100, an affiliated store terminal 200, and a payment server 300.

The user terminal 100 is a terminal used by a user, and may be given a phone number or a unique ID, and may be a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), navigation, or the like. It can be implemented as.

The user terminal 100 according to an embodiment of the present invention may be in a state in which an application for providing a payment service is installed, and the application for providing a payment service may be manufactured and distributed by the payment server 300. .

According to an embodiment of the present invention, when a user wants to use a payment service, an application for providing a payment service installed in the user terminal 100 may be executed. When the payment service providing application is executed in the user terminal 100, the payment server 300 or the user terminal 100 generates a first authentication number and a second authentication number together, and the first authentication number is the user terminal 100. ), The second authentication number may be transmitted to the affiliated store terminal 200.

Of course, not only when the user terminal 100 executes the payment service providing application, but also according to a preset setting, the user clicks the menu “use payment service” in the payment service providing application or agrees to the “personal information provision agreement”. When checking whether the first authentication number and the second authentication number is generated may be received by the user terminal 100 and the merchant terminal 200.

In the present specification, the “authentication number” means a number for identifying and authenticating a user to be paid, and may be generated for one-time use or may be preset.

In the present specification, the first authentication number and the second authentication number are simultaneously generated and matched with each other, the first authentication number is transmitted to the user terminal 100, and the second authentication number is transmitted to the merchant terminal 200, and the payment approval request is In this case, payment approval according to the payment approval request may be processed only when both of the first authentication number and the second authentication number matched with each other are included.

After receiving the first authentication number, the user terminal 100 may transmit a payment request including the received first authentication number to the payment server 300 in order to use the payment service.

According to an embodiment, the payment request may include a first authentication number, user terminal location information, and identification information of the user terminal.

According to an embodiment, the user terminal location information may include location information of the user terminal 100 recognized by the GPS in the user terminal 100, affiliated store identification information transmitted from the affiliated store terminal 200 to the user terminal 100, and the user. The communication network provided by the telecommunication company server 200 to which the terminal 100 is subscribed, for example, may be AP (Access Point) information about Wi-Fi.

According to an exemplary embodiment, the affiliated store terminal 200 may use short-range wireless communication, such as Bluetooth communication, to transmit the affiliated store identification information to the user terminal 100.

The pairing process must be preceded for Bluetooth communication between the user terminal 100 and the affiliated store terminal 200. The pairing process is performed as follows. First, either the customer terminal 100 or the affiliated store terminal 200 searches for a Bluetooth device in the vicinity. In this case, the search subject device obtains product information from the Bluetooth device that allows the search. The product information may include a Bluetooth device address (BD Adress), a product name, profile information, and the like.

Profile is a specification that defines how Bluetooth will be used in top-level applications. Profiles include Cordless Telephony Profile (Wireless Phone), Intercom Profile (Wireless), Serial Port Profile (Serial Port), (Headset Profile Headset), Dial-up Networking Profile (Modem), Fax Profile (Fax), Lan Access Profile (Router) ), Object Push Profile (Business Card Exchange), File Transfer Profile (File Transfer Non-PC), Synchronization Profile (Extend Non-PC).

The search subject device selects a Bluetooth device to be connected from among the searched Bluetooth devices, and then requests pairing. In this case, the device receiving the pairing request transmits personal identification information. An example of the personal identification information may be a personal identification number (PIN) code.

According to an embodiment, the identification information of the user terminal is information for identifying the user terminal 100 granted to the user terminal 100, and may be a telephone number, an ID, or the like of the user terminal 100.

The affiliated store terminal 200 according to an embodiment receives a plurality of payment means replacement information registered in advance by a user corresponding to identification information of the user terminal included in the payment request from the payment server 300, and displays the display unit on the display unit. I can display it.

The affiliated store terminal 200 may input and transmit various types of information, and may be implemented as a POS terminal capable of storing management information. The affiliated store terminal 200 according to the embodiment of the present invention may further include a communication module (not shown) for short-range wireless communication with the user terminal 100. The communication module may be built in the affiliated store terminal 200 or may be mounted in a dongle form. For example, the affiliated store terminal 200 may be equipped with a Bluetooth dongle for Bluetooth communication with the user terminal 100. The Bluetooth dongle detects a Bluetooth communication signal from the user terminal 100 and enables Bluetooth communication between the affiliated store terminal 200 and the user terminal 100.

As described above, the affiliated store terminal 200 may receive and display a plurality of payment means replacement information received from the payment server 300, and the user may select one of the plurality of payment means replacement information displayed on the display unit. The user selects a payment method to be used for the payment, and thus payment method selection information may be input to the affiliated store terminal 200.

The payment means substitute information may be substitute information of information for identifying the payment means, and may be virtual card numbers generated for each payment means or one-time payment means replacement information generated for each payment means.

According to an embodiment of the present disclosure, the payment means substitute information may be a brand name of a card, an alias of a card, order information, or the like, and may be separately set by a user, or a schedule such as a brand name of a card or an order of card registration in the payment server 200. Depending on the rules, it can also be set automatically.

For example, when the user registers a plurality of credit cards as a payment method, the payment server 300 is identification information for replacing the card number of each credit card, and includes “green card”, “welfare card”, “oh”. Card names such as “point cards” and “smart cards” may be set as payment method replacement information.

According to one embodiment, the payment means selection information, when the user verbally selects any one of a plurality of payment means alternative information list, the merchant employee operating the merchant terminal 200 payment corresponding to the user's shoe selection information As the means substitute information is selected, it may be input to the affiliated store terminal 200. Of course, the user may directly select any one of the plurality of payment means replacement information displayed on the merchant terminal 200.

The merchant terminal 200 according to an embodiment may receive and receive a first authentication number from a user, in addition to payment method selection information. When the input of the first authentication number is completed, the payment method selection information and the first authentication number are received. , The payment approval request including the second authentication number and the payment request amount may be transmitted to the payment server 300.

The payment server 300 according to an embodiment may determine whether or not the final approval after completing authentication of whether the first authentication number and the second authentication number included in the payment approval request match each other, and as a result, May be transmitted to the affiliated store terminal 200 and the user terminal 100.

The payment server 300 according to an embodiment may match and store and manage identification information of the user terminal 100, a plurality of payment means replacement information, a first authentication number, and a second authentication number for each user.

The payment server 300 according to an embodiment may include a plurality of payment means substitute information stored for a user corresponding to user terminal identification information included in a payment request, and an affiliated store terminal corresponding to location information of the user terminal. 200).

In this case, the payment server 300 may encrypt the payment means replacement information with the first authentication number or the second authentication number to transmit to the affiliated store terminal 200.

In addition, the payment server 300 according to another embodiment of the present invention receives affiliated store identification information transmitted from the user terminal 100, and provides marketing promotion information to the affiliated store terminal 200 and the user terminal 100 of the affiliated store. You can also send. In addition, the affiliated store terminal 200 may provide identification information and payment related information (for example, payment history information, payment completion information, payment authentication information, etc.) for customer recognition based on the identification information transmitted from the user terminal 100. Can transmit

The promotion information provided from the payment server 300 may be discount information or benefit information at a corresponding affiliate store. For example, a payment to which a benefit is applied at a corresponding merchant among payment methods matched with identification information of the user terminal 100. Recommendation information for the means may be sent. When the affiliated store terminal 200 is maintained in a state of being paired with the user terminal 100 for Bluetooth communication, the promotion information transmitted to the affiliated store terminal 200 may be transmitted to the user terminal 100 through Bluetooth communication. have.

The payment server 300 may be implemented as, for example, a financial institution server such as a card company server, but is not limited thereto.

Hereinafter, a detailed configuration of the affiliated store terminal 200 according to an embodiment will be described.

2 is a view showing in detail the configuration of the affiliated store terminal 200 according to an embodiment of the present invention.

Referring to FIG. 2, the affiliated store terminal 200 includes a payment information receiving unit 210, a payment information input unit 220, and a payment approval requesting unit 230. According to an embodiment, the affiliated store identification information transmitting unit 240 is provided. ) May be further included.

 According to an embodiment of the present invention, the payment information receiving unit 210, payment information input unit 220, payment approval requesting unit 230 and merchant identification information transmitting unit 240 may be a program module that can communicate with an external device or May be hardware. Such a program module or hardware may be included in the affiliated store terminal 200 or another device that can communicate with it in the form of an operating system, an application module, and other program modules, and may be physically stored on various known storage devices. . Meanwhile, such program modules or hardware may include, but are not limited to, routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or execute particular abstract data types described below in accordance with the present invention.

The payment information receiving unit 210 according to an embodiment may include a plurality of payments that are matched with a user corresponding to identification information of the user terminal included in the payment request transmitted by the user terminal 100 from the payment server 300. Receive means replacement information.

According to an embodiment, the payment request transmitted from the user terminal 100 to the payment server 300 may include a first authentication number, user terminal location information, and user terminal identification information.

In this case, the location information of the user terminal may include location information of the user terminal 100 recognized by the GPS in the user terminal 100, merchant identification information transmitted from the affiliated store terminal 200 to the user terminal 100, and the user terminal 100. It may be AP (Access Point) information about a communication network provided by the subscribed telecommunication company server 200, for example, Wi-Fi.

The affiliated store identification information transmitting unit 240 according to an embodiment may transmit the affiliated store identification information included in the user terminal location information to the user terminal 100 located within a predetermined radius from the affiliated store through short range wireless communication.

According to one embodiment, the identification information of the user terminal is information for identifying the user terminal 100, for example, may be a telephone number of the user terminal.

The substitute information of the payment means received by the payment information receiving unit 210 according to an embodiment may be a virtual card number generated for each card or name information of the card when the payment means is a card. The replacement information may be one-time information, one-time generated.

According to an embodiment of the present disclosure, the payment means substitute information may be a brand name of a card, an alias of a card, order information, or the like, and may be separately set by a user, or a schedule such as a brand name of a card or an order of card registration in the payment server 200. Depending on the rules, it can also be set automatically.

According to another embodiment, the payment method alternative information received by the payment information receiving unit 210 may be in a state encrypted with the first authentication number or the second authentication number, in which case the payment method alternative information receiving unit 210 from the user Receiving the first authentication number or using the received second authentication number, the payment means replacement information in the encrypted state may be decrypted and displayed on the display unit of the affiliated store terminal 200.

As described above, according to the exemplary embodiment of the present invention, since the payment means replacement information received by the payment information receiving unit 210 is not the information of the payment means, but is identification information that can replace the payment means, there is a risk of exposing payment information. Can be reduced.

The payment information input unit 220 according to an exemplary embodiment may receive input of selection information and a first authentication number for any one of a plurality of payment means replacement information received by the payment information receiver 210.

According to one embodiment, the selection information and the first authentication number for the payment means, the merchant employee who operates and manages the merchant terminal 200 verbally selects the information and the first authentication number for any one of the payment means from the user. Received in the form, by selecting the payment method according to the orally received selection information, and by entering the first authentication number, the plurality of input to the payment information input unit 220, or the user directly displayed on the display unit of the merchant terminal 200 The payment information input unit 220 may be inputted by selecting any one of the two payment methods and inputting the first authentication number.

In addition, according to an embodiment, the payment information input unit 220 may further receive a payment password previously set by the user. The payment information input unit 220 according to an embodiment receives a payment password through an employee of an affiliated store who has received a payment password orally from a user, or through a process of directly inputting a payment password by a user, a payment secret You can enter the number.

According to an embodiment, the payment approval request unit 230 may transmit a payment approval request including payment method selection information, a payment request amount, a first authentication number, a second authentication number, and the like to the payment server 300.

As described above, when a payment password is additionally input, the payment password may be further included in the payment approval request.

In this case, the second authentication number may be in a state received from the payment server 300 or the user terminal 100 to the payment information receiver 210.

The payment approval request unit 230 may transmit the input payment method selection information, the payment request amount, and the first authentication number to the payment server 300 together with the second authentication number received by the payment information receiver 210. .

Subsequently, the payment server 300 checks whether the first authentication number and the second authentication number included in the payment approval request received from the payment approval request unit 230 are matched authentication numbers, and final payment approval according to the payment approval request. You can decide whether or not.

According to an embodiment, when the payment authorization request further includes a payment password, the payment password included in the payment authorization request is checked to determine whether the final payment approval is approved by checking whether the payment password matches a preset payment password. It may be.

In this case, the result of whether the final payment is approved may be received by the affiliated store terminal 200 and displayed on the display unit.

Hereinafter, a detailed configuration of the payment server 300 will be described.

3 is a view for explaining in detail the configuration of the payment server 300 according to an embodiment of the present invention.

Referring to FIG. 3, the payment server 300 may include a payment means substitute information transmitting unit 310, a payment approval unit 320, and an authentication number transmitting unit 330. According to an embodiment of the present invention, the payment means substitute information transmission unit 310, payment approval unit 320 and the authentication number transmission unit 330 may be a program module or hardware that can communicate with the external device. Such program modules or hardware may be included in the payment server 300 or other device that can communicate with them in the form of an operating system, application modules, and other program modules, and may be physically stored on various known storage devices. . Meanwhile, such program modules or hardware may include, but are not limited to, routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or execute particular abstract data types described below in accordance with the present invention.

According to an exemplary embodiment, the payment means substitute information transmitting unit 310 may include a plurality of payment means information stored in match with a user corresponding to identification information of the user terminal included in the payment request received from the user terminal. It may be transmitted to the affiliated store terminal corresponding to the location information.

According to an embodiment of the present disclosure, the payment request that the payment means substitute information transmitting unit 310 receives from the user terminal may include a first authentication number, user terminal location information, and user terminal identification information.

Accordingly, the payment method alternative information transmitting unit 310 may transmit payment method alternative information to the merchant terminal corresponding to the received user terminal location information, that is, merchant terminals located within a predetermined radius from the location of the user terminal. In this case, a plurality of affiliated store terminals may be located within a predetermined radius from the position of the user terminal. Therefore, in order to approve payment later, a second authentication number matching the first authentication number received from the user and entered into the affiliated store terminal should be included in the payment approval request.

According to an embodiment of the present disclosure, the payment server 300 may store and manage user terminal identification information (for example, a phone number and a SIM ID number) for each user, and the plurality of payments registered by the user in advance. The means for matching means can be matched and stored and managed.

According to one embodiment, the authentication number transmission unit 330 included in the payment server 300, the user terminal 100 executes a payment service providing application installed in the user terminal 100 or "personal in the payment service providing application" When requesting generation of an authentication number according to a preset method, such as agreeing to “information provision terms and conditions”, the first authentication number and the second authentication number may be generated together.

In this case, an authentication number generated by the authentication number transmission unit 330 and transmitted to the user terminal 100 may be a first authentication number, and an authentication number transmitted to the affiliated store terminal 200 may be a second authentication number.

As described above, the first authentication number and the second authentication number may be simultaneously generated and matched with each other, and the payment server 300 may store and manage the first authentication number and the second authentication number by matching each other. have.

According to another embodiment, the user terminal 100 generates a first authentication number and a second authentication number, and transmits the first authentication number and the second authentication number to the authentication number transmission unit 330 of the payment server 300. In this case, transmitting the second authentication number to the affiliated store terminal 200 may be the user terminal 100 or the payment server 300.

According to an embodiment of the present disclosure, the payment server 300 may match the user terminal identification information and the plurality of payment means replacement information with the first authentication number and the second authentication number generated by the authentication information transmitter 330 and store the matching information. , Can manage.

According to an embodiment of the present disclosure, the payment means information transmitted by the payment means alternative information transmitting unit 310 to the affiliated store terminal 200 may be a virtual card number generated for each card or the name of the card when the payment means is a card. Information may be one-time payment means replacement information generated for each payment method.

According to an embodiment, the payment means substitute information transmitting unit 310 may extract a plurality of payment means substitute information, and then encrypt the first payment number or the second authentication number to transmit to the affiliated store terminal 200.

When the payment approval unit 320 receives a payment approval request from the affiliated store terminal 200, the payment approval unit 320 determines whether the payment is approved based on the payment password, the first authentication number, and the second authentication number included in the payment approval request. Can be determined.

According to an embodiment, the payment approval request may include selection information, payment request amount information, first authentication number, second authentication information, and the like, for any one of the plurality of payment means replacement information.

According to an embodiment, the payment approval request may further include a payment password (PIN), which is a password set by the user while registering a plurality of payment means through a payment service providing application in advance. As a series of numbers or letters and mixtures thereof. The payment password may be set for each payment method, or one password may be set for all payment methods regardless of the payment method.

According to an embodiment, the payment approval unit 330 checks whether the received first authentication number and the second authentication number are mutually matched authentication numbers, and if the payment limit amount for the payment method is set thereafter, the payment is made. It is also possible to determine whether to approve the payment by checking whether the request amount does not exceed the one-time payment limit amount, or whether the cumulative payment amount sums the payment request amount does not exceed the monthly payment limit amount.

In addition, when the payment password is included in the payment approval request, it may be determined whether or not the payment approval is confirmed by checking whether the received payment password matches a previously set and stored payment password.

When the approval for the payment approval request is completed, the payment approval unit 330 according to an embodiment may process payment and transmit a payment approval result to the user terminal 100 and the affiliated store terminal 200.

4 is a view for explaining in detail the configuration of a payment server 400 according to another embodiment of the present invention.

Referring to FIG. 4, the payment server 400 may include a user information manager 410, an alternative information transmitter 420 for personal identification, a payment method alternative information transmitter 430, a promotion information transmitter 440, and a payment approval. It may include a portion 450. According to an embodiment of the present invention, the user information management unit 410, personal identification alternative information transmission unit 420, payment means alternative information transmission unit 430, promotion information transmission unit 440, payment approval unit 450 ) May be a program module or hardware capable of communicating with an external device. Such program modules or hardware may be included in the payment server 400 or other device that can communicate with them in the form of an operating system, application modules, and other program modules, and may be physically stored on various known storage devices. . Meanwhile, such program modules or hardware may include, but are not limited to, routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or execute particular abstract data types described below in accordance with the present invention.

According to an embodiment, the user information manager 410 manages identification information of the user terminal 100 for each user and personal information of the user (for example, characteristic information such as name telephone number, gender, age, preferred product, etc.). . In addition, it manages information about payment means for each user, information for replacing payment means, passwords for each payment method, and the like. On the other hand, when there are a plurality of payment means may manage information on the priority of use of each payment means or information on the payment method to be used for each merchant. Information about the payment means may be stored and managed by matching with identification information of the user terminal 100. The information may be registered by the user through an application installed in the user terminal 100. For example, when the identification information of the user terminal 100 is received, a payment method having the highest priority among payment methods stored matching with the identification information or a payment method registered in advance for use in the affiliated store is selected and settled. Prepare.

The alternative identification information transmitting unit 420 for personal identification according to an embodiment may match the alternative identification information for personal identification stored in the identification information of the user terminal 100 transmitted with the payment request from the affiliated store terminal 200 to the affiliated store terminal ( 200). The alternative identification information to be transmitted may be information that does not require security, and may be different types of information each time it is transmitted, but is not limited thereto.

The payment method alternative information transmission unit 430 according to an embodiment may be used to complete a payment to a payment method that is matched and stored in identification information of the user terminal 100 transmitted with the payment request from the affiliated store terminal 200. Send the means substitution information. The payment means substitute information may be transmitted in a different type every time a transmission request is received from the affiliated store terminal 200. The payment instrument alternative information may be generated immediately before transmission, or may be stored in advance in a database. For example, when the payment means replacement information request from the affiliated store terminal 200 occurs, the payment method alternative information transmission unit 430 extracts only the last digit of the telephone number of the phone number of the user terminal 100 to replace the payment means replacement information. Can be sent as Meanwhile, the payment method substitute information transmitting unit 430 may transmit an input request for the payment method substitute information to the affiliated store terminal 200 instead.

The promotion information transmitter 440 according to an embodiment transmits the promotion information in response to a payment request including the identification information of the user terminal 100 transmitted from the affiliated store terminal 200. The promotion information may be benefit information when using a payment method matched and stored in the identification information, benefit information applicable at the affiliate store, and recommendation information on a payment method that can receive the most benefits at the affiliate store. The promotion information may be transmitted to the user terminal 100 through the affiliated store terminal 200, or may be directly transmitted to the user terminal 100. The user may benefit from the current application through the user terminal 100. You can make a decision or provide the merchant with the benefit information you wish to apply. When a benefit determination is made through the user terminal 100, the corresponding information is transmitted to the affiliated store terminal 200 through short-range wireless communication, and is transmitted to the payment system 300, and when the benefit information is provided to the affiliated store owner, By the merchant terminal 200 may be transmitted to the payment system 300.

The payment approval unit 450 according to an embodiment finally approves the payment for the payment request from the affiliated store terminal 200. As described above, in the case of the payment means replacement information unnecessary security, it is transmitted to the merchant terminal 200, the comparison with the payment means alternative information input from the merchant by the user may be made by the merchant terminal 200, In this case, the payment completion request from the affiliated store terminal 200 may be transmitted to the payment server 400. That is, the affiliated store terminal 200 may compare the payment means replacement information transmitted from the payment server 400 with the currently input payment means replacement information and transmit information to the payment server 400 that it has been confirmed to match. On the other hand, if only the request for input of the payment means replacement information is transmitted to the merchant terminal 200, the payment means replacement information input by the user is transmitted to the payment server 400, and whether the input payment means replacement information is valid or not. The payment approval unit 450 directly performs the determination on. When the payment means substitute information is matched, the payment that has been prepared based on the identification information of the user terminal 100 is finally completed. Completion of payment may be achieved by applying together the benefit information selected by the user.

Hereinafter, a method of providing a payment service according to an embodiment of the present invention will be described.

5 is a diagram illustrating a process of providing a payment service according to an embodiment of the present invention.

Referring to FIG. 5, when a user visits a specific affiliate store, the affiliated store terminal 200 located in the affiliated store may transmit user terminal location information to the user terminal 100 through short-range wireless communication (①). In this case, the user terminal location information transmitted from the affiliated store terminal 200 to the user terminal 100 may include affiliated store identification information.

In addition, of course, the user terminal 100 may receive location information of the user terminal from an external server, for example, a communication company server (1). In this case, the user terminal location information may be Wi-Fi information connected to the user terminal 100.

When the payment service providing application installed in the user terminal 100 is executed, a first authentication number and a second authentication number may be generated at the same time. In this case, the first authentication number and the second authentication number are matched with each other, and the payment server ( 300 may be generated, or may be generated by the user terminal 100.

According to an embodiment, the first authentication number may be transmitted to the user terminal 100, and the second authentication number may be transmitted to the affiliated store terminal 200.

According to an embodiment of the present disclosure, the user terminal 100 may transmit a payment request to the payment server 300 including the first authentication number, the user terminal location information, and the user terminal identification information (②).

According to an embodiment, the payment request may be transmitted to the payment server 300 through a payment service providing application installed in the user terminal 100, and the user inputs a first authentication number received in the user terminal 100. When the payment request is made, the user terminal 100 may include the user terminal location information and the user terminal identification information in the payment request and transmit the same to the payment server 300 (②).

According to an embodiment of the present disclosure, the payment server 300 extracts a list of payment means replacement information, which is matched and stored with the user corresponding to the user terminal identification information included in the payment request received from the user terminal 100 (③). The extracted payment means substitute information list may be transmitted to the affiliated store terminal 200 corresponding to the user terminal location information included in the payment request (④).

When the user terminal location information is affiliate store identification information, the affiliated store terminal 200 corresponding to the user terminal location information may be an affiliated store terminal 200 disposed at a specific affiliate store, and when the user terminal location information is GPS information, reception is performed. It may be a plurality of terminals disposed in the affiliated stores located within a predetermined radius from the location of the user terminal.

According to an embodiment, the payment server 300 may transmit the second authentication number together with the payment method alternative information list to the affiliated store terminal 200 (④). Of course, the second authentication number may be generated together with the first authentication number through the above-described process, and immediately generated, and then transmitted to the affiliated store terminal 200.

The payment means replacement information may include a virtual card number and a card name, and in some cases, the payment server 300 may generate one-time payment means replacement information for each payment method and include the payment means replacement information in the payment method.

According to an embodiment of the present disclosure, the payment server 300 may encrypt the payment means replacement information with the first authentication number or the second authentication number and transmit the encrypted payment means to the affiliated store terminal 200, and the merchant terminal 200 replaces the received payment means. By decoding the information with the first authentication number received from the user or the second authentication number received by the affiliated store terminal 200, the payment means replacement information may be displayed on the display unit of the affiliated store terminal 200.

As described above, according to the embodiment of the present invention, the payment means replacement information transmitted on the network includes only the virtual card number, the card name and the one-time payment means replacement information, and the like. It may be encrypted, so that the risk of hacking that may occur during the transmission of the payment method alternative information may be reduced.

The user may select a payment method to be used for the payment from a plurality of payment means lists displayed on the affiliated store terminal 200 (⑤). Thereafter, the payment password PIN set for the corresponding payment method may be input (⑥), and the first authentication number received by the user terminal 100 may be input (⑦). At this time, the procedure (6) of inputting the payment password set for the payment means may be omitted.

According to one embodiment, the payment password and the first authentication number is orally delivered to the merchant employee, the user operating the merchant terminal 200, the merchant employee enters into the merchant terminal 200, or the user directly It can be entered into the merchant terminal 200.

As described above, when the payment password and the first authentication number are input, the merchant terminal 200 receives the second authentication number received in the first authentication number, payment method selection information, payment request amount information, merchant information, and the like. Included, the payment approval request may be sent to the payment server 300 (⑧).

When the payment password is included in the payment approval request, the payment server 300 according to an embodiment checks whether the payment password included in the payment approval request matches the payment password set by the user in advance. After confirming whether the received first authentication number and the second authentication number are mutually matched numbers, the payment may be approved (⑨).

For example, when the first authentication number and the second authentication number are "1234" and "563", respectively, the payment server 300 matches the first authentication number and the second authentication number "1234" and "563". If the first authentication number and the second authentication number received from the merchant terminal 200 are "1234" and "563", the payment approval is processed and the merchant terminal is stored. If the first authentication number and the second authentication number received from the 200 are “1234” and “612”, respectively, and a second authentication number matching the stored first authentication number is not received together, the payment approval is declined. can do.

According to one embodiment, the payment server 300, in addition to the verification of the payment password, the first authentication number and the second authentication number, the payment request amount exceeds at least one of the daily payment limit, one-time payment limit and monthly payment limit. It is also possible to determine whether the payment is approved by confirming that the amount is not.

If it is determined whether the payment is approved, the payment server 300 may process the payment according to the payment approval request and transmit the payment approval result to the user terminal 100 and the affiliated store terminal 200.

According to an embodiment of the present invention, the user only needs to transmit a payment request to the payment server 300, so that the user can make a payment using a payment method of his or her choice without having a card. Convenience can be increased.

In addition, only the authentication number and payment means replacement information is transmitted on the network, thereby reducing the risk of personal information leakage.

6 is a diagram illustrating a process of providing a payment service according to another embodiment of the present invention.

Referring to FIG. 6, when a customer carrying the user terminal 100 enters a specific affiliated store and enters within a predetermined distance from the affiliated store terminal 200, pairing for Bluetooth communication between the user terminal 100 and the affiliated store terminal 200. This is done (①). Whether to enter within a certain distance may be determined by a separate position determination module (not shown). For example, it may be determined whether the user terminal 100 has entered a specific Wi-Fi area, or may be determined whether the user terminal 100 has entered a specific area through the GPS module. In addition, it is possible to determine which affiliated store the user terminal 100 has entered through short-range communication between the local area communication module (eg, a beacon, etc.) disposed in the affiliated store and the user terminal 100.

Pairing may be performed by the customer operating the user terminal 100, the merchant owner may be made by operating the merchant terminal 200. That is, pairing may be performed by any one of the user terminal 100 and the affiliated store terminal 200 as a master device. For example, if a customer registers an affiliated store terminal 200 of a frequently visited merchant as a Bluetooth communication enabled terminal, the customer may be automatically paired at a later visit.

When pairing between the user terminal 100 and the affiliated store terminal 200 is completed, affiliated store identification information is transmitted from the affiliated store terminal 200 to the user terminal 100 (②). When the transmission request command through the affiliated store terminal 200 is input, the transmission may be performed or may be automatically performed at the same time as pairing.

The user terminal 100 transmits the acquired merchant identification information and the user terminal identification information to the payment server 300 together (③).

By transmitting from the user terminal 100, the payment server 300 may grasp the current location of the customer, and may transmit personal identification substitute information and payment means substitute information for customer recognition to the affiliated store terminal 200. (④)

The alternative identification information for personal identification according to an embodiment may be information that does not require security as information for enabling the merchant owner to identify users currently in the affiliate store. For example, the information may be information such as name, telephone number, gender, age, and personal characteristics. The affiliated store owner may identify a user based on the replacement information for personal identification transmitted to the affiliated store terminal 200, and proceed with a subsequent procedure for completing the payment by confirming the information for replacing the payment means for the corresponding user. The payment means substitute information according to an embodiment may be received as a set matching the substitute information for personal identification.

Since the user terminal identification information is transmitted from the user terminal 100 to the payment server 300, the payment server 300 may transmit replacement information for personal identification corresponding to the identification information to the affiliated store terminal 200. For example, characteristic information such as a mobile phone number, a photo, an address, a gender, and an age of the customer may be transmitted to the affiliated store terminal 200, and the affiliated store owner may identify the corresponding customer based on this. According to this, the merchant can provide a customized promotion to the customer, it is easy to determine whether the customer has completed the payment or whether the customer needs the promotion.

Meanwhile, the payment server 300 may transmit the promotion information to the affiliated store terminal 200. Since the identification information is received from the user terminal 100, the merchant terminal 200 may be provided with the targeted promotion information to the corresponding customer. For example, the affiliated store owner may provide the affiliated store terminal 200 with information for providing a first promotion to the first customer and providing the second promotion to the second customer.

Meanwhile, the payment server 300 may also provide the user terminal 100 with promotional information such as coupons and discount information that can be used in the affiliated store (④ ').

Prior to the payment request, a user authentication process may be additionally performed. Personal authentication information from the user terminal 100 is transmitted to the affiliated store terminal 200 through short-range communication (⑤), the affiliated store terminal 200 itself may be authenticated for the user. To this end, the payment server 300 may transmit the decision information for user authentication to the affiliated store terminal 200 in step ④. In another embodiment, the affiliated store terminal 200 may transmit personal authentication information transmitted from the user terminal 100 to the payment server 300 prior to the payment request or at the time of the payment request. In addition, personal authentication information directly input through the affiliated store terminal 200 may be transmitted to the payment server 300 to complete user authentication. The payment server 300 may perform user authentication based on the personal authentication information transmitted prior to the payment approval. The personal authentication information may be a PIN number, but is not limited thereto.

On the other hand, when the promotion information to be used for the payment is selected through the user terminal 100, such information is transmitted to the affiliated store terminal 200 through a short range communication method. In addition, the merchant owner may select promotion information to be applied to the payment through the merchant terminal 200 in the process of finally identifying the customer and requesting payment approval. Promotion selection information transmitted to the merchant terminal 200 or promotion information directly selected through the merchant terminal 200 is transmitted to the payment server 300 (⑤). On the other hand, at this time, a payment request including payment information is transmitted from the merchant terminal 200 together.

After identifying the specific customer through the personal identification substitute information, the merchant stores the payment server replacement information matched with the corresponding customer and the corresponding payment information (for example, purchase goods and payment amount) together with the payment server ( 300) (⑤).

The payment server 300 may perform payment approval based on the transmitted information.

According to this embodiment, since the payment server 300 and the merchant owner can determine in which affiliate the customer is located, the check-in for the specific affiliated store is possible even if the customer does not make a special operation or request. In addition, since the information used for identifying the customer and the information for identifying the payment means are replaced and utilized with the personal identification replacement information and the payment means replacement information that do not require security, personal information can be protected.

In addition, since the affiliated store terminal 200 may check customer recognition and payment completion information by combining customer payment replacement information received from the payment server 300 and user information, a procedure for receiving a separate customer confirmation procedure and an actual payment method is presented. Eliminates the need for and can provide tailored benefits to the customer in an easy way.

Embodiments according to the present invention described above may be implemented in the form of program instructions that may be executed by various computer components, and may be recorded in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the computer-readable recording medium may be those specially designed and configured for the present invention, or may be known and available to those skilled in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs, DVDs, and magneto-optical media such as floptical disks. media), and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules to perform the process according to the invention, and vice versa.

Although the present invention has been described by specific embodiments such as specific components and the like, but the embodiments and the drawings are provided to assist in a more general understanding of the present invention, the present invention is not limited to the above embodiments. For those skilled in the art, various modifications and variations can be made from these descriptions.

Therefore, the spirit of the present invention should not be limited to the embodiments described above, and all of the equivalents or equivalents of the claims, as well as the claims below, are included in the scope of the spirit of the present invention. I will say.

Claims (23)

  1. As a method for a merchant terminal to provide a payment service,
    (a) is matched with a user corresponding to the identification information of the user terminal from the payment server that receives the payment request, which includes a first authentication number from the user terminal, location information of the user terminal, and identification information of the user terminal; Receiving a plurality of stored payment means substitute information;
    (b) inputting selection information about the one of the plurality of payment means replacement information and the first authentication number; And
    and (c) transmitting a payment approval request to the payment server, the payment approval request including the payment method selection information, payment request amount information, the first authentication number and the second authentication number.
  2. The method of claim 1,
    The payment means substitute information received from the payment server is encrypted with the first authentication number or the second authentication number.
    Before step (b)
    And decrypting the payment means substitute information into the first authentication number or the second authentication number.
  3. The method of claim 1,
    In step (a),
    And receiving the second authentication number together with the plurality of payment means replacement information.
  4. The method of claim 1,
    The location information of the user terminal includes affiliated store identification information,
    Before step (a) above,
    The method of claim 1, further comprising transmitting user terminal location information including the affiliated store identification information to the user terminal.
  5. The method of claim 1,
    The first authentication number and the second authentication number, characterized in that the one-time generated authentication number, payment service providing method.
  6. The method of claim 1,
    The payment means substitute information, characterized in that the replacement information for the one-time payment means, payment service providing method.
  7. In the way that the payment server provides a payment service,
    (a) receiving a payment request from a user terminal, wherein the payment request comprises a first authentication number, location information of the user terminal, and identification information of the user terminal;
    (b) transmitting, to the affiliated store terminal, a plurality of payment means replacement information stored in correspondence with the user, corresponding to the identification information of the user terminal, corresponding to the location information of the user terminal;
    (c) receiving a payment approval request from the merchant terminal, the payment approval request including selection information on any one of the plurality of payment means replacement information, the first authentication number and the second authentication information; And
    and (d) determining whether to approve payment based on the first authentication number and the second authentication number included in the payment approval request.
  8. The method of claim 7, wherein
    Before step (a) above,
    The payment service providing method further comprises the step of transmitting the first authentication number to the user terminal.
  9. The method of claim 7, wherein
    The first authentication number and the second authentication number, characterized in that the one-time generated authentication number, payment service providing method.
  10. The method of claim 7, wherein
    In step (d),
    And determining whether to approve payment by checking whether the first authentication number included in the payment approval request matches the second authentication number.
  11. The method of claim 7, wherein
    In step (b),
    And transmitting the plurality of payment means substitute information and the second authentication number to the affiliated store terminal corresponding to the location information of the user terminal.
  12. From a payment server that receives a payment request, including a first authentication number, location information of the user terminal and identification information of the user terminal from the user terminal, is matched and stored with the user corresponding to the identification information of the user terminal A payment information receiver configured to receive a plurality of payment means substitute information;
    A payment information input unit configured to input selection information on any one of the plurality of payment means replacement information and the first authentication number; And
    And a payment approval request unit which transmits a payment approval request to the payment server, the payment method selection information including the payment means selection information, the first authentication number, and the second authentication number.
  13. The method of claim 12,
    The payment information receiving unit,
    And receiving the second authentication number from the payment server.
  14. The method of claim 12,
    The location information of the user terminal includes affiliated store identification information,
    And the affiliated store identification information transmitting unit transmitting the user terminal location information including the affiliated store identification information to the user terminal.
  15. The method of claim 12,
    The first authentication number and the second authentication number, characterized in that the one-time generated authentication number, payment service providing system.
  16. The method of claim 12,
    The payment means replacement information, characterized in that the replacement information for the one-time payment means, payment service providing system.
  17. When a payment request including a first authentication number, location information of the user terminal, and identification information of the user terminal is received from the user terminal, a plurality of payment means that are matched and stored with the user corresponding to the user terminal identification information are replaced. A payment means substitute information transmitting unit which transmits the information to the affiliated store terminal corresponding to the location information of the user terminal; And
    Receiving the payment approval request from the affiliated store terminal, the payment approval request including selection information on any one of the plurality of payment means replacement information, the first authentication number, and the second authentication information, the first information included in the payment approval request; And a payment approval unit for determining whether to approve payment based on the first authentication number and the second authentication number.
  18. The method of claim 17,
    Generating the first authentication number and the second authentication number together, and further comprising an authentication number transmission unit for transmitting the first authentication number to the user terminal, and transmitting the second authentication number to the merchant terminal, Service delivery system.
  19. The method of claim 17,
    The first authentication number and the second authentication number, characterized in that the one-time generated authentication number, payment service providing system.
  20. The method of claim 17,
    The payment approval unit,
    And determining whether to approve payment by checking whether the first authentication number included in the payment approval request matches the second authentication number.
  21. The method of claim 17,
    The payment means alternative information transmission unit,
    And transmitting the second authentication number along with the plurality of payment means replacement information to an affiliated store terminal corresponding to the location information of the user terminal.
  22. A method for providing a payment service using customer identification and alternative information of a payment method in a payment service providing system,
    Receiving, by the user terminal, affiliated store identification information obtained through Bluetooth communication with an affiliated store terminal from the user terminal;
    Determining a location of a customer based on the affiliated store identification information, and transmitting replacement information for recognition of the customer and payment method replacement information corresponding to the actual payment method of the customer to the affiliated store terminal; And
    And performing a payment by receiving a payment request including the payment means replacement information and payment information for the transaction from the affiliated store terminal.
  23. A system for providing a payment service using customer identification and replacement information of a payment method,
    Obtained through the Bluetooth communication with the merchant terminal, and determines the location of the customer based on the merchant identification information received from the user terminal, the personal information alternative information transmission unit for transmitting the replacement information for the recognition of the customer to the merchant terminal ;
    A payment means substitute information transmitting unit which transmits payment means substitute information corresponding to the actual payment means of the customer to the affiliated store terminal based on the affiliated store identification information; And
    And a payment approval unit configured to receive a payment request including the payment means replacement information and payment information for the transaction from the affiliated store terminal and perform payment.
PCT/KR2014/007192 2013-12-06 2014-08-05 Method and system for providing payment service WO2015083918A1 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
KR20130151819 2013-12-06
KR10-2013-0151819 2013-12-06
KR10-2014-0036181 2014-03-27
KR1020140036181A KR101624282B1 (en) 2013-12-06 2014-03-27 Method and system for providing payment service

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201480060520.XA CN105745677A (en) 2013-12-06 2014-08-05 Method and system for providing payment service

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KR20130070510A (en) * 2011-12-19 2013-06-27 주식회사 하렉스인포텍 System and method for payment using portable terminal, and storage medium recording program for implementing method thereof

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JP2013020496A (en) * 2011-07-12 2013-01-31 Japan Research Institute Ltd System for preventing illegal use of card and method for preventing illegal use of card
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