WO2017146411A1 - Serveur et procédé de prestation de service de paiement simple en devises multiples - Google Patents

Serveur et procédé de prestation de service de paiement simple en devises multiples Download PDF

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Publication number
WO2017146411A1
WO2017146411A1 PCT/KR2017/001664 KR2017001664W WO2017146411A1 WO 2017146411 A1 WO2017146411 A1 WO 2017146411A1 KR 2017001664 W KR2017001664 W KR 2017001664W WO 2017146411 A1 WO2017146411 A1 WO 2017146411A1
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WO
WIPO (PCT)
Prior art keywords
payment
currency
customer
card
mobile
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PCT/KR2017/001664
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English (en)
Korean (ko)
Inventor
김준헌
공현진
남기석
Original Assignee
주식회사 케이알파트너스
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.)
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Priority claimed from KR1020160143568A external-priority patent/KR20170099346A/ko
Application filed by 주식회사 케이알파트너스 filed Critical 주식회사 케이알파트너스
Publication of WO2017146411A1 publication Critical patent/WO2017146411A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the present invention relates to a server and a method for providing a simple payment service of a multinational currency, and more particularly, to a server and a method for providing a simple payment service of a multinational currency when using an online / offline store.
  • Payment using a mobile device is a service that allows users to make payments using a smartphone without having a physical card. Recently, “mobile simple payment” has emerged as a representative method.
  • the mobile easy payment is a service that allows a user to register a credit card, etc., possessed by an individual in an electronic wallet and make payment with simple personal authentication.
  • non-financial business operators such as Kakao Pay, Naver Pay, Samsung Pay, Apple Pay, etc.
  • An electronic wallet is a form that replaces a physical wallet with a service that can be used by mounting various payment means and reward cards on a smartphone.
  • the online mobile simple payment payment is made only by simple authentication using a password, SMS, biometrics, etc., and at present, Kakao Pay and Naver Pay are representative in Korea.
  • This simple mobile payment is an additional service concept that allows the card to be used more conveniently than a new payment method, and is expected to lower the abandonment rate of payment due to the complexity of the existing payment.
  • mobile simple payment is superior in terms of generality that does not depend on a specific credit card brand, and mobile simple payment service is expected to rapidly spread even in an offline environment, and according to government deregulation and support measures for fostering the fintech industry It is expected that mobile simple payment services in the form will continue to emerge.
  • the present invention has been made in accordance with the above-described needs, an object of the present invention to provide a server and method for providing a simple payment service of a multi-national currency to determine the payment currency based on the token (Token) included in the mobile simple payment request. Is in.
  • a method of providing a simple payment service for a multi-national call by receiving a mobile simple payment request from a customer visiting a store, and when the mobile simple payment request is received, Determining a payment currency of the customer based on a token corresponding to a card number, and inquiring whether the payment is in progress on the mobile device of the customer based on the determined payment currency.
  • the virtual card number may be configured by a combination of number of predetermined digits so that each of the plurality of card companies can be distinguished, and the same card company can be distinguished for each payment method.
  • the determining of the payment currency may include determining a card company of a real card corresponding to the virtual card based on a specific digit of the virtual card number and determining a currency of a country to which the determined card company belongs as a payment currency. It may include a step.
  • the received mobile simple payment request may include the token information and the identification information of the store, and the determining of the payment currency may include determining a currency of a country to which the determined card company belongs as the first payment currency. And determining a currency of a country to which the store belongs as a second payment currency.
  • the received mobile simple payment request may further include identification information of a communication company corresponding to the mobile device, and the determining of the payment currency may include determining a currency of a country to which the telecommunication company belongs as a third payment currency. It may include a step.
  • the step of inquiring whether the customer proceeds to the mobile device may include calculating a payment amount for the selected product of the customer in the determined payment currency, and transmitting the user interface displaying the calculated payment amount to the mobile device. It may include the step of transmitting.
  • a card company to request approval of payment is determined from a plurality of card companies by using the number information of the predetermined digit of the virtual card number, and the customer of the determined card company server
  • the method may further include requesting approval of the payment.
  • the server providing a simple payment service for a multi-national currency may include a communication unit configured to receive a mobile simple payment request from a customer who visits a store, and a token corresponding to a virtual card number included in the mobile simple payment request. And a control unit for determining whether to make a payment to the mobile device of the customer based on the determined payment currency.
  • the mobile device of the customer may have various environments. In order to further increase the convenience of customers using mobile easy payment.
  • FIG. 1 is a view showing a multi-national currency simple payment system according to an embodiment of the present invention.
  • FIG. 2 is a timing diagram illustrating an operation of a multi-country simple payment system according to an embodiment of the present invention.
  • FIG. 3 is a timing diagram illustrating an operation of a multi-country simple payment system according to another embodiment of the present invention.
  • FIG. 4 is a timing diagram illustrating an operation of a multi-country simple payment system according to another embodiment of the present invention.
  • FIG. 5 is a timing diagram illustrating an operation of a multi-country simple payment system according to another embodiment of the present invention.
  • FIG. 6 is a timing diagram illustrating an operation of a multi-country simple payment system according to another embodiment of the present invention.
  • FIG. 7 is a block diagram illustrating a multi-national call simple payment server according to an exemplary embodiment of the present invention.
  • FIG. 8 is a block diagram illustrating in more detail a payment currency determiner according to an embodiment of the present invention.
  • FIG. 9 is a flowchart illustrating a token issuing process according to an embodiment of the present invention.
  • FIG. 10 is a flowchart illustrating a token issuance and settlement currency setup process according to an embodiment of the present invention.
  • FIG. 11 is a flowchart illustrating a multi-national simple payment service method according to an embodiment of the present invention.
  • FIG. 12 is a flowchart illustrating a multi-national simple payment service method according to an embodiment of the present invention in detail.
  • FIG. 13 is a diagram illustrating a user interface screen for a multi-country simple payment service according to an embodiment of the present invention.
  • the multi-national currency simple payment system 1000 may enable multi-national currency simple payment in an online / offline store.
  • the multi-language simple payment system 1000 is a mobile device 100 of the customer, a store 200 that sells a product or service (hereinafter, referred to as a product) that can be purchased by the customer, the multi-language simple payment server 300 ), And all or part of the plurality of card company servers 400-1, .. 400 -N.
  • the mobile device 100 of the customer is a smart phone, a tablet computer, a personal digital assistant (PDA), a portable multimedia player (PMP), a wearable smart glass, a wearable smart watch, etc., each of the customers using the store 200 is provided.
  • PDA personal digital assistant
  • PMP portable multimedia player
  • the mobile device 100 may be installed with a mobile simple payment application (application).
  • the customer may execute a simple payment for a specific product by executing a mobile simple payment application (application) installed in the mobile device 100.
  • a mobile simple payment application application
  • the store 200 may include an offline store that sells products that can be purchased by a customer in an offline market, and an online store that sells through a shopping mall web page.
  • the store included in the multi-national currency settlement system 1000 may be more accurately implemented as a shopping mall server corresponding to the store.
  • a store included in the multi-national simple payment system 1000 may be more precisely implemented as a payment terminal such as a point of sale (POS) device, a card reader terminal, or the like provided in the store. Can be.
  • POS point of sale
  • the mobile simple payment request of the customer may be transmitted to the multi-national currency payment server 300.
  • the mobile simple payment request of the customer is multi-national. It may be sent to the call settlement server 300.
  • a customer who visited the offline store 200 selects a specific product, runs a mobile simple payment application, contacts a smartphone to a near field communication (NFC) and / or magnetic payment terminal, or scans a QR / barcode.
  • NFC near field communication
  • the customer's mobile simple payment request may be sent to the multi-national currency payment server 300.
  • the mobile simple payment request may include at least one of token information corresponding to the virtual card number, identification information of the store 200, and carrier identification information of the mobile device 100.
  • the identification information of the store may mean information that makes it possible to identify each of the plurality of stores.
  • the communication company identification information may refer to information which enables each communication service provider whose main business is to install and operate a communication facility and provide a service by the facility.
  • the multi-national simple payment server 300 may determine a customer's payment currency based on a token, which is a virtual card number. In addition, the multi-country simple payment server 300 may inquire whether the payment is in progress to the mobile device of the customer based on the determined payment currency.
  • the multi-national simple payment server 300 approves the approval of the payment among the plurality of card company servers 400-1, ..400-N.
  • the server of the requesting card company can request approval of the payment.
  • the plurality of card company servers 400-1 and .. 400 -N may be servers corresponding to each of the plurality of card companies.
  • the plurality of card company servers 400-1,... 400 -N may receive a payment approval request for a customer's product from the server 300, examine whether the request is approved, and notify the examination result. have.
  • a payment process using the multi-country simple payment system 1000 will be described with reference to FIG. 2.
  • FIG. 2 is a timing diagram illustrating an operation of a multi-country simple payment system according to an embodiment of the present invention.
  • the payment process according to FIG. 2 may be performed when a customer visits an online / offline store and selects a specific product, and then requests a payment using a mobile simple payment application installed in his mobile device 100.
  • the multi-national currency simple payment server 300 may include a plurality of servers that perform different functions, for example, a payment relay server 301, a payment call determination server 302, and a simple payment processing server ( 303). Each of these servers 301, 302, 303 may be implemented as a module constituting the multi-national simple payment server 300.
  • the payment relay server 301 may mean a value-added network (VAN), a payment gateway (PG), or the like.
  • the mobile device 100 may be a device of the store 200, for example, an offline store 200.
  • the device of the store 200 may transmit a mobile simple payment request of a customer including a token to the payment relay server 301 (2).
  • the token may be a virtual card number. Tokens are secured on the customer's mobile device 100 using a physical card provided by the customer, for example, an actual credit card, a check card, a debit card, a cash card (hereinafter referred to as a physical card) that the customer actually holds. It may be a virtual card implemented to be possible.
  • the token since the token is a virtual card number, even if the number is leaked, illegal use can be prevented.
  • the virtual card number of such a token may or may not be changed to a new number for each mobile simple payment.
  • the mobile simple payment request may further include identification information of the shop 200, communication company identification information of the mobile device 100, product price information, and the like.
  • the payment relay server 301 may transmit a token to the payment currency determination server 302 (3).
  • the settlement currency determination server 302 may determine the settlement currency of the customer based on the received token, and transmit the determined settlement currency information to the settlement relay server 301 (4).
  • the payment relay server 301 transmits the product amount information, the payment currency information, the merchant identification information, and the token to the simple payment processing server 303 (5), and the simple payment processing server 303 is based on the determined payment currency.
  • the simple payment processing server 303 may calculate a payment amount for the selected product of the customer in the determined payment currency, and transmit the user interface displaying the calculated payment amount to the mobile device 100.
  • the simple payment processing server 303 may transmit a payment approval request to the server 400 of the card company to request the approval of the payment among the plurality of card companies.
  • the payment approval request may include a token, product amount information, payment currency information, store identification information, and the like.
  • the product price information may be information on the price of the product to be paid by the customer
  • the store identification information may be information that can be identified between the plurality of stores.
  • the card company server 400 receiving the payment approval request determines whether the received payment approval request is eligible, and responds to the payment approval request by the simple payment processing server 303 and the payment relay server 301. Can be sent to.
  • the response to the payment approval request may include a payment approval response for approving the payment and a payment disapproval response for disapproving the payment.
  • the simple payment processing server 303 may transmit a response to the payment approval request to the mobile device 100 of the customer in the form of a message format, a PUSH notification, or the like to the mobile device 100 of the customer.
  • the payment relay server 301 may transmit a response regarding whether the payment is approved to the device of the affiliate store 200.
  • the mobile easy payment when the mobile easy payment, by inquiring the customer whether or not to proceed with the payment based on the payment currency that meets the conditions of the customer, it is possible to further increase the convenience of the simple mobile payment.
  • the simple payment processing server 303 inquires whether the payment proceeds based on the payment currency determined by the customer's mobile device 100 as an example, but is not limited thereto. It can be implemented as.
  • the operation of the multi-country simple payment system according to the present invention may vary depending on a determination time of a settlement currency, a device for displaying a UI screen for selecting a settlement currency, a method of transmitting settlement currency information according to a customer selection, and the like.
  • the payment time of the payment call is in progress
  • the device displaying the UI screen is a mobile device of the customer
  • the method of transmitting the payment call information according to the customer selection is the simple payment processing server 303 in the mobile device 100.
  • the system of FIG. 2 may be implemented.
  • FIG. 3 is a timing diagram illustrating an operation of a multi-country simple payment system according to another embodiment of the present invention.
  • POS point of sale
  • a card reader terminal a card reader terminal
  • a sign pad a device for displaying a UI screen for selecting a payment currency is provided
  • a device for displaying a UI screen for selecting a payment currency is provided, is determined at the time of determining a payment currency.
  • the mobile device 100 may transmit a token to the payment terminal of the store (1).
  • the payment terminal of the store 200 may transmit a mobile simple payment request of a customer including a token to the payment relay server 301 (2).
  • the payment relay server 301 may transmit a token to the payment currency determination server 302 (3).
  • the settlement currency determination server 302 may determine the settlement currency of the customer based on the received token, and transmit the determined settlement currency information to the settlement relay server 301 (4).
  • the payment relay server 301 may transmit a payment progress inquiry including the payment currency information determined by the payment currency determination server 302 to a payment terminal provided in the store 200 (5).
  • the payment terminal provided in the store 200 may display a user interface screen including a payment amount calculated based on the payment currency information, exchange rate information of the payment currency, and the like.
  • the payment terminal provided in the store 200 may transmit a payment progress request to the payment relay server 301 (6).
  • the payment relay server 301 transmits payment information including goods, amount information, payment currency information, merchant identification information, and tokens to the simple payment processing server 303 (7), and the simple payment processing server 303.
  • (8) may transmit a payment approval request including payment information to the server 400 of the card company requesting approval of the payment among the plurality of card companies.
  • FIG. 4 is a timing diagram illustrating an operation of a multi-country simple payment system according to another embodiment of the present invention.
  • a determination point of a payment call is in progress, and a method of transmitting payment call information according to a customer selection is a method of transmitting from a mobile device 100 to a payment terminal provided in a store 200.
  • the mobile device 100 may transmit a token to the payment terminal of the store (1).
  • the payment terminal of the store 200 may transmit a mobile simple payment request of a customer including a token to the payment relay server 301 (2).
  • the payment relay server 301 may transmit the token to the payment currency determination server 302 (3).
  • the settlement currency determination server 302 may determine the settlement currency of the customer based on the received token, and transmit the determined settlement currency information to the settlement relay server 301 (4).
  • the payment relay server 301 transmits payment information including product amount information, payment currency information, merchant identification information, and tokens to the simple payment processing server 303 (5), and the simple payment processing server 303 On the basis of the determined payment currency it may be inquired whether the payment proceeds to the mobile device (100) of the customer (6). In this case, the mobile device 100 of the customer may display a UI screen including the determined payment currency information and the payment amount calculated based on the same.
  • the mobile device 100 may transmit a payment progress request to the payment terminal of the store 200 (7).
  • the mobile device 100 may request a payment progress request including the payment currency information selected by the customer. 200 may be transmitted to the payment terminal.
  • the process of 1 to 7 of FIG. 4 may be performed according to short-range wireless communication between the mobile device 100 and the payment terminal of the store 200.
  • the payment terminal of the mobile device 100 and the store 200 may be communicatively connected to be spaced apart from each other by a predetermined distance to enable short-range wireless communication.
  • the payment terminal of the store 200 transmits a payment progress request to the payment relay server 301 (8), and the payment relay server 301 may transmit a payment progress request to the simple payment processing server 303 ( 9).
  • the simple payment processing server 303 may transmit a payment approval request to the server 400 of the card company requesting the approval of the payment among the plurality of card companies (10).
  • FIG. 5 is a timing diagram illustrating an operation of a multi-country simple payment system according to another embodiment of the present invention.
  • a determination point of a payment call is in progress, and a method of transmitting payment call information according to a customer selection is a method of transmitting from a mobile device 100 to a payment terminal provided in a store 200.
  • the mobile device 100 may transmit a token to the payment terminal of the store (1).
  • the device of the store 200 may transmit a mobile simple payment request of a customer including a token to the payment relay server 301 (2).
  • the payment relay server 301 may transmit a token to the payment currency determination server 302 (3).
  • the settlement currency determination server 302 may determine the settlement currency of the customer based on the received token, and transmit the determined settlement currency information to the settlement relay server 301 (4).
  • the payment relay server 301 may transmit a payment progress inquiry including the payment currency information determined by the payment call determination server 302 to a payment terminal provided in the store 200 (5).
  • the payment terminal provided in the shop 200 may transmit a payment progress inquiry including payment currency information to the mobile device 100 of the customer (6).
  • the mobile device 100 may display a user interface screen including a payment amount calculated based on the payment currency information, and thus may ask the customer whether to proceed with the payment based on the payment currency.
  • the mobile device 100 transmits a payment progress request to the payment terminal of the store 200 (7), and the payment terminal of the store 200 pays.
  • the progress request is transmitted to the payment relay server 301 (8), and the payment relay server 301 may transmit the payment progress request to the simple payment processing server 303 (9).
  • 5 to 7 may be performed according to short-range wireless communication between the mobile device 100 and the payment terminal of the store 200.
  • the payment terminal of the mobile device 100 and the store 200 may be communicatively connected to be spaced apart from each other by a predetermined distance to enable short-range wireless communication.
  • the simple payment processing server 303 may transmit a payment approval request to the server 400 of the card company requesting the approval of the payment among the plurality of card companies (10).
  • FIG. 6 is a timing diagram illustrating an operation of a multi-country simple payment system according to another embodiment of the present invention.
  • the system according to FIG. 6 is an example of a case where the determination time of the payment currency is before the payment process and the method of transmitting the payment currency information according to the customer selection is a method of transmitting from the mobile device 100 to the payment terminal provided in the shop 200. It is a figure which shows.
  • the mobile device 100 is a device of the store 200, for example, in the case of an offline store 200, payment of the store. Token and payment currency information can be transmitted to the terminal (1).
  • the payment terminal of the store 200 may obtain exchange rate information for the payment currency information and display a payment amount calculated based on the obtained exchange rate information.
  • the payment currency transmitted from the mobile device 100 to the terminal of the store 200 may be a preset currency or a currency determined according to the customer's selection before proceeding with the payment.
  • the customer may set the payment currency in advance by executing a mobile simple payment application (application) installed in the mobile device 100, if the mobile simple payment is requested, the mobile device 100 is the preset payment currency information And the token may be transmitted to the payment terminal of the store 200.
  • a mobile simple payment application application
  • the multi-national currency simple payment server 300 may include a card number of a physical card corresponding to a token issuance request and country code information of a SIM card / USIM card of a customer mobile device 100.
  • the payment currency of the customer may be determined based on the (MCC), and it may be set in advance in the mobile simple payment application of the mobile device 100. If the mobile simple payment is requested, the mobile device 100 may transmit preset payment currency information and tokens to the payment terminal of the store 200.
  • the mobile simple payment application installed in the mobile device 100 may display a UI screen for selecting a payment currency.
  • the mobile device 100 may transmit the selected payment currency information and tokens to the payment terminal of the store 200.
  • the mobile simple payment application installed in the mobile device 100 may determine a payment currency based on language information set in the mobile device 100. That is, when Korean and English are set as the language used in the mobile device 100, the mobile device 100 may determine the Korean won and the dollar corresponding to English as the settlement currency. In addition, the mobile device 100 may transmit the selected payment currency information and the token to the payment terminal of the store 200.
  • the payment currency information may mean a call determined by the mobile device 100 based on various information such as country code information, language information used, and the like set in the mobile device 100.
  • the payment currency information may be implemented as information used to determine the payment currency, for example, country code information, language information used.
  • the payment terminal or server 300 of the store 200 may determine the payment currency.
  • the payment terminal of the store 200 when the payment terminal of the store 200 receives the token and payment currency information from the mobile device 100, the payment terminal of the store 200 pays the mobile simple payment request including the received token and payment currency information. It can transmit to the relay server 301 (2).
  • the mobile simple payment request may include product price information, identification information of the store 200, a carrier identification information token of the mobile device 100, payment currency information, and the like.
  • the payment relay server 301 may transmit payment information including product amount information, identification information of the store 200, a carrier identification information token of the mobile device 100, payment currency information, and the like, to the simple payment processing server 303.
  • the simple payment processing server 303 may transmit a payment approval request including payment information to the server 400 of the card company requesting the approval of the payment among the plurality of card companies (4).
  • This multi-national simple payment server 300 will be described in more detail with reference to the accompanying drawings.
  • the multi-country simple payment server 300 may include a communication unit 310, a storage 320, a token generator 330, a payment currency determiner 340, a simple payment processor 350, and a controller ( All or part of 360).
  • the communication unit 310 enables communication between the multi-national call simple payment server 300 and an external device.
  • the communication unit 310 may communicate with the mobile terminal device 100 of the customer, the communication device 200 provided in the store, and the plurality of card company servers 400.
  • the communication unit 310 may receive the mobile simple payment request of the customer through the device 200 provided in the store 200.
  • the mobile simple payment request may include at least one of a token corresponding to the virtual card number, identification information of the store 200, carrier identification information of the mobile device 100, product amount information, and payment currency information. have.
  • the communication unit 310 may transmit a payment approval request including payment information for the customer to the card company server 400, and receive a response to the payment approval request from the card company server 400.
  • the communication unit 310 is connected in a wireless or wired manner through a local area network (LAN) and the Internet network, connected through a USB (Universal Serial Bus) port, a mobile communication network such as 3G, 4G It is possible to be connected through a short-range wireless communication method such as a form of access through, Near Field Communication (NFC), Radio Frequency Identification (RFID), Wi-Fi, and the like.
  • LAN local area network
  • USB Universal Serial Bus
  • Token generation unit 330 may generate a token consisting of a virtual card number when a request for issuing a mobile simple payment token corresponding to a real card is requested from a customer.
  • the generated token may be transmitted to the mobile device 100 of the customer.
  • the token generator 330 may generate a token which is a virtual card number using card company identification information corresponding to the real card and payment means information corresponding to the real card.
  • the card company information corresponding to the real card may be information indicating a card company that issued the corresponding physical card among a plurality of card companies.
  • the payment means information corresponding to the physical card may be information indicating whether the corresponding physical card is a credit card, a check card, a debit card, a cash card or a point card. Such information may be determined based on real card information (card number of a real card) among information input from a user when requesting issuance of a mobile simple payment token.
  • the virtual card number of the token generated by the token generation unit 330 may be distinguished from each of a plurality of card companies, the same card company may be composed of a combination of numbers of a predetermined digit so as to be distinguishable for each payment method.
  • the virtual card number digits of the generated token may be configured with a total of 16 digits identical to the credit card number system, and the virtual card number combination may be configured with the same number combination as the card number assigned to the corresponding physical card.
  • the first digit of the virtual card number may be assigned a number assigned to a domestic card (for example, 9: domestic card, 4: visa card, 5: master card, etc.), and the second to fourth digits are a series of card companies.
  • Number e.g., 410: one card, 411: national card, etc.
  • the fifth digit is a payment method number (e.g., 1: credit card, 2: check card, 3: account information, 4: e-cash, etc.) may be allocated.
  • the predetermined number of digits of the generated virtual card number can be determined to distinguish each of a plurality of domestic card companies, and the same domestic card company can be distinguished by each payment method.
  • the token generator 330 may generate virtual card number information having a predetermined number system so that different virtual card numbers are assigned to each of the tokens issued to each of the plurality of customers.
  • the token generator 330 may generate a new token every time a mobile simple payment request is made by the customer, or control the payment to be performed by using a previously issued token.
  • the storage unit 320 functions to store a variety of data and applications required for the operation of the multi-country simple payment server 300.
  • the storage unit 320 may map and store the tokens generated by the token generator 330 for each customer as shown in Table 1 below.
  • the storage unit 320 may include a random access memory (RAM), a flash memory, a read only memory (ROM), an erasable programmable ROM (EPROM), an electronically erasable and programmable ROM (EPROM), a register, a hard disk, a removable disk, a memory.
  • RAM random access memory
  • ROM read only memory
  • EPROM erasable programmable ROM
  • EPROM electronically erasable and programmable ROM
  • register a hard disk, a removable disk, a memory.
  • the storage unit 320 may be implemented in the multi-national simple payment server 300, or may be implemented in the form of an external database (DB) connected to the multi-national simple payment server 300.
  • DB external database
  • the payment currency determiner 340 may determine a payment currency corresponding to the mobile simple payment request of the customer.
  • the settlement currency determination unit 340 may include all or a portion of the first settlement currency determination unit 341, the second settlement currency determination unit 342, and the third settlement currency determination unit 343. It may include.
  • the first payment currency determiner 341 determines the card company of the real card based on the specific digits of the virtual card number constituting the token included in the mobile simple payment request of the customer, the currency of the country to which the determined card company belongs Can be determined as the payment currency.
  • the second payment currency determiner 342 may determine the currency of the country to which the store belongs as the second payment currency based on the shop identification information included in the mobile simple payment request of the customer.
  • the third payment currency determiner 343 may determine the currency of the country to which the telecommunication company belongs as the third payment currency based on the carrier identification information of the mobile device 100 included in the mobile simple payment request of the customer.
  • the present invention is not limited to the above-described example, and the settlement currency may be determined according to the selection input of the customer.
  • the execution screen of the mobile simple payment application may include a user interface area for selecting a payment currency, and when the user selects a payment currency in the UI area, the payment call information determining unit 340 selects a customer's choice. Reflecting this can determine the customer's payment currency.
  • the information received from the mobile device 100 of the customer may further include payment currency information.
  • the payment currency before the payment process of the customer may be preset in the mobile device 100.
  • the settlement currency determination unit 340 may be omitted from the component.
  • the simple payment processing unit 350 may inquire whether the payment proceeds to the mobile device 100 of the customer based on the determined payment currency.
  • the simple payment processor 350 may calculate a payment amount for the selected product of the customer by reflecting the determined payment currency and current exchange rate information corresponding to the payment currency.
  • the simple payment processor 350 may generate a user interface displaying the calculated payment amount.
  • the user interface may display only the settlement amount calculated based on the corresponding settlement currency.
  • the user interface may display all of the plurality of settlement amounts calculated based on the plurality of settlement currencies.
  • the simple payment processor 350 may transmit the generated user interface to the mobile terminal device 100 of the customer to inquire whether the payment is to be progressed.
  • the simple payment processing unit 350 requests the approval of payment among a plurality of card companies using the number information of the predetermined digit of the virtual card number constituting the token.
  • the card company may be determined, and the server 400 of the card company may request approval of the payment for the customer.
  • the payment approval request may include payment information of the customer's payment.
  • the controller 360 controls the overall operation of the multi-national call simple payment server 300.
  • the controller 360 may control all or part of the communication unit 310, the storage unit 320, the token generation unit 330, the payment currency determination unit 340, and the simple payment processing unit 350.
  • the payment currency of the customer is determined based on a token corresponding to the virtual card number, and based on the determined payment currency, the customer can be controlled to inquire whether the payment is in progress. Can be.
  • controller 360 controls the communication unit 310 to transmit a request for approval of the mobile simple payment of the customer to the server 400 of the card company, and to receive and notify the response of the payment approval request from the card company server 400. can do.
  • FIG. 9 is a flowchart illustrating a token issuing process according to an embodiment of the present invention.
  • the customer may request issuance of a mobile simple payment token.
  • the token issuance request may be performed through an execution screen of the mobile simple payment application installed in the mobile device 100.
  • the customer may input real card information (card number, expiration date, card password), customer information (customer's name, telephone number, etc.) held by the customer through the screen for issuing the token.
  • the multi-country simple payment server 300 may receive a token issuance request including user input information (S101).
  • the multi-country simple payment server 300 determines whether the real card corresponding to the token issuance request is the card held by the corresponding customer in association with the card company server 400 (S102), and whether the token issuance request is approved. Can be notified to the mobile device 100 of the customer (S103).
  • the multi-national simple payment server 300 may generate a token consisting of a virtual card number using the user input information included in the token issuance request (S104).
  • the multi-country simple payment server 300 may generate a token composed of a virtual card number using card number information of a real card among user input information.
  • the multinational currency simple payment server 300 may transmit the generated token to the mobile device of the customer (S105). According to this process, a token corresponding to the physical card may be issued to the mobile device 100 of the customer.
  • the token issued to the customer's mobile device 100 may be used without changing each time the customer's mobile simple payment.
  • the token issued to the mobile device 100 of the customer may be changed to a new token every time the mobile simple payment request is made without the issue process according to S101 to S103 described above.
  • the multi-national simple currency payment server 300 may set the payment currency information in the mobile device 100. This will be described in more detail with reference to FIG. 10.
  • the multi-national call simple payment server 300 may receive a token issuance request including user input information and country code information from the mobile device 100 of the customer (S401).
  • the input information is information input through the screen for issuing the token, and may include real card information (card number, expiration date, card password) held by the customer, customer information (customer's name, telephone number, etc.). Can be.
  • the country code information is information read from the SIM card / USIM card of the customer mobile device 100
  • the customer mobile device 100 is a multi-country simple payment of the country code information (MCC) read from the SIM card / USIM card It may transmit to the server 300.
  • MCC country code information
  • the multi-national simple payment server 300 determines whether the real card corresponding to the token issuance request is the card held by the corresponding customer in association with the card company server 400 (S402), and whether the token issuance request is approved or not. Can be notified to the mobile device 100 of the customer (S403).
  • the multi-national simple payment server 300 may generate a token consisting of a virtual card number using the user input information included in the token issuance request (S404). In addition, the multi-national currency simple payment server 300 may transmit the generated token to the mobile device of the customer (S405). According to this process, a token corresponding to the physical card may be issued to the mobile device 100 of the customer.
  • the multi-national currency simple payment server 300 may determine the customer's payment currency using the issued token and country code information (S406). More specifically, the multi-national currency simple payment server 300 may determine the card company of the real card based on a specific digit of the virtual card number constituting the token, and determine the currency of the country to which the determined card company belongs as the first payment currency. . The multi-country simple payment server 300 may determine the currency of the corresponding country as the second payment currency based on the country code information.
  • the multi-national currency simple payment server 300 may determine the first or second payment currency as the customer's payment currency. However, when the first payment currency and the second payment currency are the same, the multi-national currency simple payment server 300 may determine both the first payment currency and the second payment currency as the customer's payment currency.
  • the multi-national currency simple payment server 300 may control the mobile device 100 to set the determined payment currency as the initial payment currency (S407).
  • the mobile device 100 may transmit preset payment currency information and tokens to the payment terminal of the store 200.
  • the token issuing process has been described as being performed by the multi-national simple payment server 300 as an example.
  • the present invention is not limited thereto.
  • the token issuing process may be performed in the card company server 400.
  • the multi-national simple payment server 300 may determine the payment currency of the customer based on a token configured with a virtual card number (S201).
  • the virtual card number may be configured as a combination of number of predetermined digits so that each of the plurality of card companies can be distinguished, and the same card company can be distinguished for each payment method.
  • the multi-country simple payment server 300 may query the mobile device of the customer whether or not the payment proceeds based on the determined payment currency (S202).
  • the multi-national currency simple payment server 300 calculates a payment amount for the selected product of the customer in the determined payment currency, and transmits the user interface displaying the calculated payment amount to the mobile device 100 to the mobile device. You can inquire about whether payment is in progress.
  • the multi-national simple payment server 300 may receive a mobile simple payment request (S301).
  • the received mobile simple payment request may include token information, store identification information, and carrier identification information corresponding to the mobile device.
  • the multi-country simple payment server 300 may determine the issuer of the real card corresponding to the virtual card based on a specific digit of the virtual card number constituting the token (S302). In addition, the multi-national currency simple payment server 300 may determine the currency of the country in which the determined issuer belongs as the first payment currency (S303).
  • the multi-national currency simple payment server 300 may determine the country to which the store belongs based on the store identification information (S304). In addition, the multi-national currency simple payment server 300 may determine the currency of the country to which the store belongs as the second payment currency (S305).
  • the multi-country simple payment server 300 may determine the country to which the carrier belongs based on the carrier identification information (S306). In addition, the multi-country simple payment server 300 may determine the currency of the country to which the telecommunication company belongs as the third payment currency (S307).
  • the multi-national currency simple payment server 300 may determine one of the three as the final payment currency (S309). For example, when all of the first, second, and third payment currencies are in won, the final settlement currency may be determined in won.
  • different payment currencies may be determined as the final payment currency (S310).
  • the first settlement currency is the won and the second and third settlement currencies are the dollar
  • the final settlement currency may be determined in won and dollar.
  • the multi-national currency simple payment server 300 may calculate a payment amount for the selected product of the customer in the final payment currency (S311). In addition, the multi-national currency simple payment server 300 may transmit the user interface displaying the calculated payment amount to the mobile device 100 (S312).
  • the mobile device 100 of the customer may display a screen as shown in FIG. 8.
  • FIG. 13 is a diagram illustrating a user interface screen for a multi-country simple payment service according to an embodiment of the present invention.
  • the user interface screen of FIG. 8 is displayed on the mobile device 100 of the customer. Can be displayed.
  • the user interface 110 includes not only the product selected by the user, but also the price 111 of the product calculated based on the dollar exchange rate, which is the payment currency of the United States to which the card issuer belongs, and payment of the merchant belonging to Korea.
  • the price 111 of the commodity calculated based on the won exchange rate, which is a currency, may be displayed.
  • the store belongs to the country and the carrier belongs to the customer's mobile device
  • the mobile simple payment in various environments The convenience of the customer can be further increased.
  • the service providing method of the payment relay server is implemented in the form of installation data provided to the server or devices in a state stored in a variety of non-transitory computer readable medium Can be. Accordingly, each device may download the installation data by accessing the server or the device where the installation data is stored.
  • the non-transitory readable medium refers to a medium that stores data semi-permanently and is readable by a device, not a medium storing data for a short time such as a register, a cache, a memory, and the like.
  • a non-transitory readable medium such as a CD, a DVD, a hard disk, a Blu-ray disk, a USB, a memory card, a ROM, or the like.

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  • Engineering & Computer Science (AREA)
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  • Economics (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé de prestation de service de paiement simple en devises multiples. Les étapes de la présente invention consistent : à recevoir une requête mobile de paiement simple d'un client qui visite une boutique; si la requête mobile de paiement simple est reçue, à déterminer la devise de paiement du client sur la base d'un justificatif correspondant à un numéro de carte virtuelle; et à demander à un dispositif mobile du client de procéder ou non au paiement mobile simple sur la base de la devise de paiement déterminée.
PCT/KR2017/001664 2016-02-23 2017-02-15 Serveur et procédé de prestation de service de paiement simple en devises multiples WO2017146411A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR10-2016-0021405 2016-02-23
KR20160021405 2016-02-23
KR10-2016-0143568 2016-10-31
KR1020160143568A KR20170099346A (ko) 2016-02-23 2016-10-31 다국 통화의 간편 결제 서비스를 제공하는 서버 및 방법

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WO2017146411A1 true WO2017146411A1 (fr) 2017-08-31

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20090003915A (ko) * 2007-07-05 2009-01-12 주식회사 코밴 외환적용 신용거래 서비스 제공방법 및 그 시스템
KR20130034111A (ko) * 2011-09-28 2013-04-05 주식회사 한국사이버결제 모바일 단말기를 이용한 간편결제방법
KR101301895B1 (ko) * 2012-08-24 2013-08-29 주식회사 케이알파트너스 서버 및 상기 서버에서의 신용 카드 결제 방법
US20140149293A1 (en) * 2010-04-09 2014-05-29 Kevin Laracey Transaction token issuing authorities
KR20140077013A (ko) * 2012-12-13 2014-06-23 에스케이플래닛 주식회사 오프라인 상거래를 위한 결제 시스템, 전자 결제 지원 방법 및 장치

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20090003915A (ko) * 2007-07-05 2009-01-12 주식회사 코밴 외환적용 신용거래 서비스 제공방법 및 그 시스템
US20140149293A1 (en) * 2010-04-09 2014-05-29 Kevin Laracey Transaction token issuing authorities
KR20130034111A (ko) * 2011-09-28 2013-04-05 주식회사 한국사이버결제 모바일 단말기를 이용한 간편결제방법
KR101301895B1 (ko) * 2012-08-24 2013-08-29 주식회사 케이알파트너스 서버 및 상기 서버에서의 신용 카드 결제 방법
KR20140077013A (ko) * 2012-12-13 2014-06-23 에스케이플래닛 주식회사 오프라인 상거래를 위한 결제 시스템, 전자 결제 지원 방법 및 장치

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