WO2017104953A1

WO2017104953A1 - Cloud card- and cloud terminal-based payment method and system

Info

Publication number: WO2017104953A1
Application number: PCT/KR2016/011226
Authority: WO
Inventors: 김진호; 김경욱
Original assignee: 주식회사 한국스마트카드
Priority date: 2015-12-16
Filing date: 2016-10-07
Publication date: 2017-06-22
Also published as: KR20170071743A

Abstract

A user card number is stored in a cloud payment server without being stored in an SE device carried by a user. When a payment for a product to be purchased is requested, all information required for the payment is provided to the cloud payment server such that a payment process is carried out in the cloud payment server.

Description

Cloud card and cloud terminal based payment method and system

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to computing technology for performing a financial settlement process, and more particularly, to technology performed by a merchant terminal, a mobile terminal, and a cloud server in cooperation.

The payment terminal installed in the store includes a SAM module and firmware. Short-range wireless communication or contact communication may be performed between a mobile terminal or SE equipped with a Secure Element (SE) and the payment terminal. In this case, a payment process for goods or services may be performed between the SE device and the payment terminal. In this case, the mobile terminal may serve to help communication between the SE device and the payment terminal. When payment is performed through communication between the payment terminal and the SE device, various user personal information such as a user card number stored in the SE is required for the payment. In the process of exchanging such user personal information, information leakage may occur. In particular, when paying using a mobile terminal equipped with SE, the possibility of personal information leaking out due to a hacking program installed in the mobile terminal is increasing. Therefore, improvement of the payment process according to the conventional method is required.

In addition, according to the existing payment method, the buyer presents the desired product to the clerk, the clerk makes a payment using the payment terminal. Because of the time required for this process, there is a problem that the satisfaction of the shopping experience of the buyer is lowered because the waiting time for payment increases when there are many customers.

The present invention is to provide a payment process that can increase the security and reduce the possibility of leakage of personal information. In addition, to improve the shopping experience of the buyer to provide a technology that can reduce the time required for the payment process.

According to an aspect of the invention, the card control unit for managing card information associated with a plurality of cloud cards including information on the financial card; A cloud payment method for performing a payment in a cloud payment server may include providing a terminal control unit for managing terminal information associated with a plurality of cloud terminals having a function of performing a transfer process for a plurality of merchant stores. In this method, the cloud payment server 130, from the mobile terminal 120, purchase article information (123) including ① commodity value, ② cloud terminal reference number 112, and ③ cloud card reference number 122 Receiving; Determining, by the cloud payment server, a first cloud card corresponding to the cloud card reference number among the plurality of cloud cards, and a first cloud terminal corresponding to the cloud terminal reference number among the plurality of cloud terminals; Subtracting the commodity value from the account for paying the commodity associated with the first cloud card by the card control unit; And performing, by the terminal control unit, a process for depositing part or all of the commodity value into a commodity price deposit account associated with the first cloud terminal.

In this case, the card may be a credit card, check card, prepaid card, or postpaid card. The method may further include: providing, by the cloud payment server, the mobile terminal 120 with the results of the card controller and the terminal controller; And providing, by the cloud payment server, an affiliate store web associated with the first cloud terminal.

In this case, the cloud payment server, the mobile terminal, further comprising the step of transmitting a list of sales products available in the store associated with the first cloud terminal, the purchase product information is included in the sales product list In this case, the mobile terminal may be selected from the mobile terminal.

According to another aspect of the invention, the merchant terminal; A mobile terminal; And a cloud payment system having a cloud payment server including a plurality of cloud cards including information on a financial card and a plurality of cloud terminals having a function of performing a transfer process for a plurality of stores. This may be provided. The method includes the steps of sending, by the merchant terminal, a cloud terminal reference number associated with a store where the affiliated terminal is installed; Determining, by the mobile terminal, purchase article information including a product price based on a list of sales products received from the affiliated store terminal or the cloud payment server; Transmitting, by the mobile terminal, to the cloud payment server, purchase article information including the product price, the cloud terminal reference number, and a cloud card reference number that the mobile terminal can obtain; Determining, by the cloud payment server, ① a first cloud card corresponding to the cloud card reference number among the plurality of cloud cards, and ② a first cloud terminal corresponding to the cloud terminal reference number among the plurality of cloud terminals. ; Subtracting the commodity value from the account for paying the commodity associated with the first cloud card by the card control unit; And performing, by the terminal control unit, a process for depositing part or all of the commodity value into a commodity price deposit account associated with the first cloud terminal.

According to another aspect of the invention, the merchant terminal; A mobile terminal; And a cloud payment server including a plurality of cloud cards including information on a financial card and a cloud payment server including a plurality of cloud terminals having a function of performing a transfer process for a plurality of stores. A method may be provided. The method includes the steps of receiving, by the mobile terminal, a cloud terminal reference number associated with a store where the affiliated store terminal is installed, from the affiliated store terminal; Determining, by the mobile terminal, purchase article information including the product price; And transmitting, by the mobile terminal, to the cloud payment server, purchase article information including the product price, the cloud terminal reference number, and a cloud card reference number that can be obtained by the mobile terminal. And the cloud payment server, ① to determine the first cloud card corresponding to the cloud card reference number of the plurality of cloud cards, and ② the first cloud terminal corresponding to the cloud terminal reference number of the plurality of cloud terminals to determine; The card control unit is configured to deduct the commodity value from the commodity payment account associated with the first cloud card, and the terminal control unit supplies the commodity payment deposit account associated with the first cloud terminal. A process for depositing part or all of the commodity value is arranged.

In this case, the method further comprises the step of the mobile terminal, from the merchant terminal receiving a list of products for sale in the store in which the merchant terminal is installed, the purchase product information, the sales product As included in the list, it may be selected in the mobile terminal.

In this case, the method may further include, by the mobile terminal, receiving, from the cloud payment server, a list of products for sale on products sold in a store associated with the determined first cloud terminal. The purchase article information may be included in the sale product list and may be selected by the mobile terminal.

In this case, the mobile terminal and the affiliated store terminal may be configured to perform short-range communication by Bluetooth.

In this case, the mobile terminal may be configured to receive the sale product list from the affiliated store terminal by a push method.

According to the present invention can increase the security and can provide a payment process that can reduce the possibility of leakage of personal information. In addition, it is possible to provide a technology that can reduce the time required for the payment process in order to increase the shopping experience satisfaction of the buyer.

1 is a view for explaining the structure of a payment system according to an embodiment of the present invention.

2 is a view for explaining the flow of information transmitted between each component in the payment system according to an embodiment of the present invention.

3 is a flowchart illustrating a cloud payment method in a payment system according to an embodiment of the present invention.

4 is a flowchart illustrating a cloud payment method in a payment system according to another embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings an embodiment of the present invention will be described. However, the present invention is not limited to the embodiments described herein and may be implemented in various other forms. The terminology used herein is for the purpose of understanding the embodiments and is not intended to limit the scope of the invention. Also, the singular forms used below include the plural forms unless the phrases clearly indicate the opposite meanings.

1 is a view for explaining the structure of a cloud payment system 100 according to an embodiment of the present invention.

The cloud payment system 100 may include an affiliated store terminal 110, a mobile terminal 120, and a cloud payment server 130.

The cloud payment server 130 is a server that receives a variety of payment related information for the payment process from the mobile terminal 120 to perform the payment process. The cloud payment server 130 may include one or more cloud cards 131 and one or more cloud terminals 132. The cloud card 131 may refer to a functional module that replaces a role that a card (for example, a credit card, a prepaid card, and a check card) stored in the SE performs in the related art. The cloud terminal 132 may refer to a functional module that replaces the role of the payment terminal equipped with the SAM according to the prior art.

In addition, the cloud payment server 130 is a card control unit 137 for managing card information associated with the at least one cloud card 131 and a terminal control unit for managing terminal information associated with the at least one cloud terminal 132 ( 138). The card controller 137 and the terminal controller 138 may cooperate with each other to allow a payment process to be performed between a specific cloud card and a specific cloud terminal.

The affiliated store terminal 110 is a device installed or provided in a store of a merchant that sells goods, and the like, and includes a near field communication such as near field communication (NFC), Bluetooth, magnetic stripe transmission (MST), magnetic communication, or IC contact communication. Communication with the mobile terminal 120 may be performed using a contact / contactless communication method.

The information provided by the affiliated store terminal 110 to the mobile terminal 120 may be provided by a push method. Provision of the information by the push method may be made by short-range communication. For example, when Bluetooth communication is performed between the mobile terminal 120 and the affiliated store terminal 110, information may be provided in the push method through the Bluetooth communication channel.

Merchant terminal 110 may be a device provided separately from the payment terminal installed in the store of the merchant.

The product list 111 may be stored in the information provided by the affiliated store terminal 110 to the mobile terminal 120. In addition, the information includes a cloud capable of identifying a specific cloud terminal 132 associated with a store of an affiliated store in which one of the one or more cloud terminals 132 included in the cloud payment server 130 is installed. Information about the terminal reference number (= terminal ref. ID) 112 may be stored. In this case, the sale product list 111 may include information (eg, name, price, discount information, event information, etc.) of one or more sale products sold in stores of the affiliated store.

The mobile terminal 120 may include a payment application 121 that performs a function of transmitting and receiving predetermined data with the affiliated store terminal 110 and the cloud payment server 130. The payment application 121 may be distributed by a cloud payment server 130 or another server that cooperates with the cloud payment server 130.

The payment application 121 stores a cloud card reference number (card ref. ID) 122 for identifying a specific cloud card among one or more cloud cards 131 included in the cloud payment server 130. Access to the unit may be arranged to obtain the cloud card reference number. The storage unit may be, for example, a memory of the mobile terminal 120. The specific cloud card may be a card of which the user of the mobile terminal 120, that is, a purchaser who wants to purchase a product in a store of the affiliated store where the affiliated terminal 110 is installed, has a right to use a right. The card can be, for example, a check card, credit card, prepaid card, or postpaid card.

Hereinafter, the cloud payment system 100 will be described in more detail with reference to FIG. 2.

2 is a view for explaining the flow of information transmitted between each component in the payment system 100 according to an embodiment of the present invention.

The affiliated store terminal 110 may refer to the mobile terminal 120 as follows: ① a sale product list 111, ② a cloud terminal reference number 112, ③ a first electronic signature related to the sale product list 111, and ④ a cloud terminal. A second electronic signature may be provided for number 112.

In this case, the sales product list 111 may be a list including information on products sold in stores of the affiliated stores in which the affiliated store terminals 110 are installed.

The mobile terminal 120 is a terminal such as a smartphone possessed by the purchaser, and the payment application 121 described above may be installed. In this case, the payment application 121 may obtain a cloud card reference number 122 that may identify a specific cloud card 131 having the authority that the buyer can use.

The mobile terminal 120 may exchange information with the affiliated store terminal 110 using short-range communication, and exchange information with the cloud payment server 130 through a network communication method such as Wi-Fi, 3G, 4G, or the like. can do.

When the buyer executes the payment application 121 installed in the mobile terminal 120, the payment application 121 may receive the sale product list 111 from the affiliated store terminal 110.

The purchaser may input information regarding a desired product on the user interface provided by the payment application 121. The information about the product may be, for example, a product identifier displayed on a store or a catalog of the product (eg, a number, a letter, a barcode, etc.). When the product input by the buyer exists in the sale product list 111, the input product may be determined to be the final purchased product to be purchased by the buyer.

Information about the confirmed purchase items may be referred to as "purchase information" or "payment information" or "purchase goods information 123". The purchase item information 123 may include information regarding the 'product value', which is the sum of the goods price of the goods that the buyer wants to purchase. In this specification, the term 'product' is a term encompassing goods and services.

Once the purchase article information 123 is confirmed, the mobile terminal 120 transmits ① purchase article information 123, ② cloud terminal reference number 112, and ③ cloud card reference number 122 to the cloud payment server 130. Can transmit

The cloud payment server 130 may access a database included in the cloud payment server 130 or included in another server that cooperates with the cloud payment server 130.

The cloud payment server 130 may obtain 'cloud terminal information' associated with the cloud terminal reference number 112 from the database. The 'cloud terminal information' includes, for example, the location of the store of the affiliated store, the identification information of the store of the affiliated store, the business number of the affiliated store, and the information on the account for the payment of goods associated with the store of the pseudonym store. Data may be included.

In addition, the cloud payment server 130 may obtain 'cloud card information' associated with the cloud card reference number 122 from the database. In the 'cloud card information', for example, information about an account for payment of goods, such as cash account information for commodity withdrawal or credit account information for commodity withdrawal, is associated with the cloud card 131 to which the purchaser has a right to use. May be included.

In the cloud payment server 130, a payment process 200 for the purchase article information 123 may be performed between the cloud card 131 and the cloud terminal 132. In this case, the cloud card 131 may be specified by the cloud card reference number 122. The cloud terminal 132 may be specified by the cloud terminal reference number 112. The payment process 200 may be performed between the card controller 137 and the terminal controller 138 included in the cloud payment server 130.

The card control unit 137 and the terminal control unit 138 may be understood as a concept including execution code for performing information flow and transformation in the cloud payment server 130. The cloud card 131 is a concept including data related to a card, and the data may be changed by the card controller 137. In addition, the cloud terminal 132 is a concept including data regarding the store of the affiliated store, and the data may be changed by the terminal controller 138.

When the payment process 200 is successful, a purchase amount (= payment amount) corresponding to the purchase item information is withdrawn from the account for payment of the product price, and a part or all of the withdrawn purchase amount is deposited for the product payment. Can be deposited into the account.

Since the payment process 200 is performed in the cloud payment server 130 is secured, it maintains high security. In contrast, the conventional mobile payment process performed between the payment terminal and the mobile terminal 120 is performed by ① security attack of the short-range communication protocol between the payment terminal and the mobile terminal 120, and ② by hacking on the mobile terminal 120 itself. The difference is that it is vulnerable to attack.

In addition, in the prior art, the user's personal information is included in the mobile terminal 120 or the SE installed therein, so that leakage of personal information is concerned. However, according to the exemplary embodiment of the present invention according to FIG. 2, since the actual personal information of the user is stored in the cloud card 131 of the cloud payment server 130, high security may be provided. Therefore, when performing the payment process 200 according to an embodiment of the present invention can maintain a higher security than the conventional.

If the payment process 200 is successful, the cloud payment server 130 may provide the payment approval details to the buyer using a predetermined method. For example, the cloud payment server 130 may provide the payment approval details to the mobile terminal 120, or may send the payment approval information to the e-mail account of the buyer registered in advance.

In addition, if the payment process 200 is successful, the cloud payment server 130 may provide a payment approval history through the merchant web (139) that can be confirmed in the store of the merchant.

Since the payment approval details are provided through the mobile terminal 120 and the affiliate store WEB 139, the buyer and the clerk can check out the payment approval details, and the buyer can go out of the store with the corresponding product.

The “electronic signature” shown in FIG. 2 may be used in a process of verifying whether data has been modulated in the data transfer process. In general, it can be generated using a hash algorithm, and MD4, MD5, SHA-1 algorithm can also be used. It can usually be encrypted with an asymmetric key.

The first digital signature, the second digital signature, the third digital signature, and the fourth electronic signature shown in FIG. 2 are the sales product list 111, the cloud terminal reference number 112, the cloud card reference number 122, And it may be for verifying whether or not the data modulation of the purchase product information (123).

3 is a flowchart illustrating a cloud payment method in the cloud payment system 100 according to an embodiment of the present invention.

As shown in FIG. 3, the cloud payment method according to an exemplary embodiment of the present invention may be implemented by performing steps S11 to S18.

The affiliated store terminal 110 may include a merchandise list 111, a first electronic signature related to the merchandise list 111, a cloud terminal reference number 112 associated with a store of the affiliate store, and a cloud terminal reference number 112. The second electronic signature may be transmitted to the mobile terminal 120 (S11).

Next, as described above, the purchase article information about the purchase article to be purchased by the buyer may be determined using the payment application 121 (S12).

Then, the mobile terminal 120 may transmit a payment request message to the cloud payment server 130 (S13).

In addition, the mobile terminal 120 may transmit the cloud card reference number 122, the purchase article information 123, and the cloud terminal reference number 112 to the cloud payment server 130 (S14).

Next, the cloud payment server 130 selects a first cloud card corresponding to the cloud card reference number 122 among the plurality of cloud cards, and selects a first cloud card corresponding to the cloud terminal reference number 112 among the plurality of cloud terminals. One cloud terminal may be selected (S15).

Next, the cloud payment server 130 may proceed with the payment processor between the selected first cloud terminal and the selected first cloud terminal (S16). To this end, the cloud payment server 130 may include a card control unit 137 for managing card information associated with the plurality of cloud cards and a terminal control unit 138 for managing terminal information associated with the plurality of cloud terminals.

The card control unit 137 may be configured to deduct the commodity price included in the purchase item information 123 from the commodity payment account associated with the first cloud card. The terminal controller 138 may perform a process for depositing a part or all of the commodity value to a commodity price deposit account associated with the first cloud terminal.

The process for depositing a part or all of the commodity value may use an external card approval server (card approval system) 150 other than the cloud payment server 130. In this case, the second subject who can manage / supervise the operation of the external card approval server may be different from the first subject that can manage / supervise the operation of the cloud payment server 130.

There may be a plurality of external card approval servers 150. In this case, a specific card approval server 150 may be selected and used according to the selected first cloud card. For example, when the first cloud card is a credit card, the external payment server may be a credit card payment approval server that manages a credit account connected to the credit card. Alternatively, when the first cloud card is a check card, the external payment server may be a check card payment approval server managing a deposit and withdrawal account connected to the check card.

Next, the cloud payment server 130 may provide the mobile terminal 120 with the payment result which is the result of the payment process (S17).

Thereafter, the cloud payment server 130 may perform a process of allowing the payment result to be provided to the affiliated store terminal 110 through the affiliated store web 139 (S18).

4 is a flowchart illustrating a cloud payment method in the cloud payment system 100 according to another embodiment of the present invention.

The cloud payment method according to FIG. 4 has some differences compared to the method according to FIG. 3, and the rest are the same.

In step S21, the affiliated store terminal 110 may transmit the cloud terminal reference number 112 associated with the store of the affiliated store to the mobile terminal 120.

In operation S22, the mobile terminal 120 may transmit the cloud terminal reference number 112 to the cloud payment server 130.

In operation S23, the cloud payment server 130 may select a first cloud terminal corresponding to the cloud terminal reference number 112 from among the plurality of cloud terminals.

In step S24, the cloud payment server 130 may transmit to the mobile terminal 120 a list of products for sale 135 available at the store of the affiliate store associated with the selected first cloud terminal.

In step S25, in the mobile terminal 120, as described above, the purchase article information for the purchase article to be purchased by the purchaser may be determined using the payment application 121.

In operation S26, the mobile terminal 120 may transmit a payment request message to the cloud payment server 130.

In operation S27, the mobile terminal 120 may transmit the cloud card reference number 122 and the purchase item information 123 to the cloud payment server 130.

In operation S28, the cloud payment server 130 may select a first cloud card corresponding to the cloud card reference number 122 among the plurality of cloud cards.

In operation S29, the cloud payment server 130 may proceed with a payment processor between the selected first cloud terminal and the selected first cloud terminal.

In operation S30, the cloud payment server 130 may provide the mobile terminal 120 with a payment result that is a result of the payment process.

In operation S31, the cloud payment server 130 may perform a process of allowing the payment result to be provided to the affiliated store terminal 110 through the affiliated store web 139.

By using the embodiments of the present invention described above, those belonging to the technical field of the present invention will be able to easily make various changes and modifications without departing from the essential characteristics of the present invention. The content of each claim in the claims may be combined in another claim without citations within the scope of the claims.

Claims

A card control unit that manages card information associated with a plurality of cloud cards including information on a financial card; And a terminal control unit configured to manage terminal information associated with a plurality of cloud terminals having a function of performing a transfer process for a plurality of merchant stores.

Receiving, by the cloud payment server 130, the purchase item information 123 including the product price, the cloud terminal reference number 112, and the cloud card reference number 122 from the mobile terminal 120; ;

Determining, by the cloud payment server, a first cloud card corresponding to the cloud card reference number among the plurality of cloud cards, and a first cloud terminal corresponding to the cloud terminal reference number among the plurality of cloud terminals;

Subtracting the commodity value from the account for paying the commodity associated with the first cloud card by the card control unit; And

Performing, by the terminal control unit, a process for depositing a part or all of the product price to a product payment deposit account associated with the first cloud terminal;

Including,

Cloud payment method.
The method of claim 1,

The card is a credit card, check card, prepaid card, or postpaid card,

Providing, by the cloud payment server, the mobile terminal 120 with the results of the card control unit and the terminal control unit; And

Providing, by the cloud payment server, an affiliate store web associated with the first cloud terminal;

Further comprising,

Cloud payment method.
The method of claim 1,

The cloud payment server, further comprising the step of transmitting to the mobile terminal, a list of sales products available in the store associated with the first cloud terminal,

The purchase article information is included in the sale product list, which is selected in the mobile terminal,

Cloud payment method.
Merchant terminal; A mobile terminal; And a cloud payment system having a cloud payment server including a plurality of cloud cards including information on a financial card and a plurality of cloud terminals having a function of performing a transfer process for a plurality of stores. As

Transmitting, by the affiliated store terminal, a cloud terminal reference number associated with a store where the affiliated store terminal is installed, to the mobile terminal;

Determining, by the mobile terminal, purchase article information including a product price based on a list of sales products received from the affiliated store terminal or the cloud payment server;

Transmitting, by the mobile terminal, to the cloud payment server, purchase article information including the product price, the cloud terminal reference number, and a cloud card reference number that the mobile terminal can obtain;

Determining, by the cloud payment server, ① a first cloud card corresponding to the cloud card reference number among the plurality of cloud cards, and ② a first cloud terminal corresponding to the cloud terminal reference number among the plurality of cloud terminals. ;

Subtracting the commodity value from the account for paying the commodity associated with the first cloud card by the card control unit; And

Performing, by the terminal control unit, a process for depositing a part or all of the product price to a product payment deposit account associated with the first cloud terminal;

Including,

Cloud payment method.
Merchant terminal; A mobile terminal; And a cloud payment server including a plurality of cloud cards including information on a financial card and a cloud payment server including a plurality of cloud terminals having a function of performing a transfer process for a plurality of stores. As a method,

Receiving, by the mobile terminal, a cloud terminal reference number associated with a store where the affiliated store terminal is installed, from the affiliated store terminal;

Determining, by the mobile terminal, purchase article information including the product price; And

Transmitting, by the mobile terminal, to the cloud payment server, purchase article information including the product price, the cloud terminal reference number, and a cloud card reference number that the mobile terminal can obtain;

Including;

The cloud payment server may be configured to determine a first cloud card corresponding to the cloud card reference number among the plurality of cloud cards, and a first cloud terminal corresponding to the cloud terminal reference number among the plurality of cloud terminals. There is,

The card control unit is configured to deduct the commodity price from the commodity payment account associated with the first cloud card,

Characterized in that the terminal control unit is to perform a process for depositing a part or all of the product value to the product payment account associated with the first cloud terminal,

Cloud payment method.
The method of claim 5,

The mobile terminal further comprises the step of receiving, from the merchant terminal terminal, a list of products for sale on products sold in the store in which the merchant terminal is installed.

The purchase article information is included in the list of sales products, which is selected in the mobile terminal,

Cloud payment method.
The method of claim 5,

The mobile terminal further comprises the step of receiving, from the cloud payment server, a list of products for sale on products sold in a store associated with the determined first cloud terminal,

The purchase article information is included in the list of sales products, which is selected in the mobile terminal,

Cloud payment method.
The cloud payment method of claim 5, wherein the mobile terminal and the affiliated store terminal are configured to perform short-range communication by Bluetooth.
The cloud payment method according to claim 6, wherein the mobile terminal is configured to receive the sale product list from the affiliated store terminal by a push method.