WO2019004786A1

WO2019004786A1 - System for providing account-based payment and settlement service

Info

Publication number: WO2019004786A1
Application number: PCT/KR2018/007420
Authority: WO
Inventors: 박경양
Original assignee: 주식회사 하렉스인포텍
Priority date: 2017-06-30
Filing date: 2018-06-29
Publication date: 2019-01-03
Also published as: KR20190003267A

Abstract

The present invention relates to a system for providing a payment and settlement service, wherein a remitter's terminal recognizes a receiver's electronic device so as to remit and transfer money. A system for providing an account-based payment and settlement service according to an embodiment of the present invention comprises: a tag mapped to a receiver's account number; a remitter terminal for recognizing a tag and operating an installed application module so as to request settlement amount transfer; and a settlement service server for verifying an application module and providing receiver information so as to provide a service for settlement amount transfer.

Description

A system that provides account-based payment services

The present invention relates to a payment settlement service providing system in which a terminal of a sender recognizes an electronic device of a receiver and performs transfer.

Recently, as smartphones have become widespread, various financial transaction services such as payment of app cards using smart phones and account transfer in bank apps are being provided.

The conventional mobile banking app service according to the related art has a problem that there is an inconvenience that a login procedure is performed and a personal authentication procedure such as password authentication (or biometric authentication) of the remittance account is separately performed.

SUMMARY OF THE INVENTION The present invention has been proposed in order to solve the above problems. It is an object of the present invention to provide a payment service provider (including a financial institution) by checking the validity of a payment module installed in an app of a sender at the moment when a terminal of a sender recognizes an electronic device Based payment service capable of completing a remittance transfer through an easy personal authentication procedure through simple password input, biometric authentication (fingerprint, voice, face, iris, etc.) required by the user.

A system for providing an account-based payment service according to an embodiment of the present invention includes a tag mapped to an account number of a receiver, a remitter terminal recognizing a tag and driving an installed app module to request a payment amount transfer, And a settlement service server for providing the receiver money transfer service by providing the receiver information.

A method of providing an account-based payment service according to an exemplary embodiment of the present invention includes generating a card number for a tag, receiving account-matching information of a receiver for a card number, A step of verifying the validity of the application module installed in the sender terminal, transmitting the corresponding store information, and transferring the transfer amount information inputted through the application module to the financial institution .

The account-based payment service server according to an embodiment of the present invention includes a tag generator for generating a tag, a storage unit for storing account information of the receiver in accordance with the registration of the tag, and a storage unit for storing account information of the receiver, And an intermediary unit for calling the account information stored in the storage unit to transfer the collection name corresponding to the tag, and for mediating the payment and payment transfer process.

According to the system for providing an account-based payment service according to the present invention, payment can be made without a merchant agreement between a receiver and a financial institution or a settlement service company, so that payment between a receiver and a sender, By making a payment, a small merchant has the advantage of being able to receive payment of a sales price without paying a merchant fee.

According to the present invention, there is an effect that convenience of use of a sender is increased because manual input to the deposit account is unnecessary, and transfer of money is easily accomplished through password or biometric authentication on the app.

The effects of the present invention are not limited to those mentioned above, and other effects not mentioned can be clearly understood by those skilled in the art from the following description.

1 is a block diagram illustrating a system for providing an account-based payment service in accordance with an embodiment of the present invention.

2 is a block diagram illustrating a payment service server providing an account-based payment service according to an embodiment of the present invention.

3A to 3E are diagrams illustrating a withdrawal account registration process according to an embodiment of the present invention.

FIGS. 4 and 5A to 5G are diagrams illustrating a payment settlement process by recognizing a merchant tag according to an embodiment of the present invention.

6A to 6C are diagrams illustrating a payment cancellation process according to an embodiment of the present invention.

7 is a sequence diagram illustrating a process of issuing a tag (NFC tag, QR code, and BLE button) according to an embodiment of the present invention.

FIG. 8 is a sequence diagram illustrating a tag registration process according to an embodiment of the present invention.

9 is a sequence diagram illustrating a payment transfer process using an NFC tag according to an embodiment of the present invention.

10 is a sequence diagram illustrating a payment transfer process using a QR code according to an embodiment of the present invention.

11 is a sequence diagram illustrating a payment transfer process using a BLE button according to an embodiment of the present invention.

12 is a diagram illustrating a configuration of a computer device in which an account-based payment service according to an embodiment of the present invention can be executed.

BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, advantages and features of the present invention and methods of achieving them will be apparent from the following detailed description of embodiments thereof taken in conjunction with the accompanying drawings.

The present invention may, however, be embodied in many different forms and should not be construed as being limited to the exemplary embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, And advantages of the present invention are defined by the description of the claims.

It is to be understood that the terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. &Quot; comprises " and / or " comprising ", as used herein, unless the recited component, step, operation, and / Or added.

FIG. 1 is a block diagram illustrating a system for providing an account-based payment service according to an exemplary embodiment of the present invention. FIG. 2 is a block diagram illustrating an account-based payment service server according to an exemplary embodiment of the present invention.

A system for providing an account-based payment service according to an embodiment of the present invention includes a tag 200a to be mapped to an account number of a seller, a tag 200a to recognize a tag 200a, And a settlement service server 300 that performs verification of the sender terminal 100 and the app module, and provides the receiver's money transfer service by providing receiver information.

At this time, the tag 200a also includes a tag of the receiver, which is a receiver number such as an account number or a virtual account number of the receiver or a receiver number that can recognize the receiver, and provides goods, services, and services to the receiver Not only sellers, but also churches or Salvation Army entities, who receive donations, workers or service providers who want to receive tips, those who wish to receive donations, and female widows. Similarly, senders include not only buyers of goods, services, and services, but also donators or donors, and charitable people.

In describing the embodiment of the present invention, the account of the sender (payer) is a financial institution providing personal financial services such as a bank, a prepaid card, a gift card, a credit card, an electronic money, a transportation card, a virtual money, Or an account managed by a payment service company.

The account of the receiver is an account managed by a financial institution or a payment service company providing personal financial services such as a bank, a prepaid card, a gift card, a credit card, an electronic money, a transportation card, a virtual currency,

The account-based payment service server 300 according to the embodiment of the present invention includes a tag generator 310 for generating and encrypting a UBID (a unique ID provided to a receiver by a UB payment provider) and inputting the encrypted ID to the tag 200a, And the validity of the application module installed in the sender terminal 100 is verified by the storage unit 320 receiving the account information of the receiver according to the registration of the tag and the sender terminal 100 recognizing the tag 200a And a mediating unit 330 for calling the account information stored in the storage unit 320 to transfer the collection name corresponding to the tag 200a and for mediating payment and settlement transfer processes.

Prior to the detailed description of the account-based payment service according to the embodiment of the present invention, the withdrawal account registration process will be described first with reference to FIGS. 3A to 3E.

When the sender terminal 100 is installed with an app module and touches "transfer" as shown in FIG. 3A, the user authentication screen is displayed as shown in FIG. 3B, and the name, sex and mobile phone number are automatically output, An authentication number dispatch request is performed.

As shown in FIG. 3C, on the user authentication screen, the sender inputs the received authentication number and presses the OK button.

As shown in FIG. 3D, when the financial institution information (for example, Pusan Bank) and the withdrawal account information are output, the remitter presses the registration button after inputting the account password.

Then, as shown in FIG. 3E, the main screen for withdrawal account information is displayed.

According to the embodiment of the present invention, the sender terminal 100 recognizes the tag 200a, recognizes the electronic passbook of the seller, and stores the account number of the receiver or the account owner's name (nickname or mutual name) (100), inputting the transfer amount, transferring money to the account of the receiver through the identity verification, and completing the settlement.

That is, according to the present invention, it is possible to settle a money through a money transfer without a merchant agreement between a money receiver and a financial institution or a payment service company, so that a small merchant can receive a transfer amount without any burden on a payment merchant fee.

As shown in Fig. 4, the sender terminal 100 recognizes the tag 200a held by the receiver of the receiver or the receiver of the receiver by the NFC tag or the QR code.

When the sender terminal 100 scans the tag 200a, the login information for the sender's app module and the account information of the receiver can be called to enable a transaction service immediately after login.

5A is a screen for selecting a fixed amount requiring payment such as 5000 won, 10000 won, 2000 won, 5000 won, and FIG. 5b is a screen for selecting a remittance And a screen of the terminal 100 is shown.

When the selection or input of the mobile transfer amount is completed and the "transfer" button is clicked, the sender terminal 100 performs the input of the mobile phone number of the user at least once as shown in FIG. 5C.

Next, as shown in FIG. 5D, the PIN number or the OTP number previously set on the application module is input, and when the authentication is completed, a transfer completion screen as shown in FIG. 5E is displayed on the sender terminal. At this time, it is also possible to perform not only PIN / OTP input but also authentication through input of biometric information of the sender.

Then, the receiver terminal 200b confirms the transfer result on the PC screen as shown in FIG. 5F, or confirms the transfer result from the portable terminal as shown in FIG. 5G.

6A, the sender terminal 100 provides a list of payment details in response to a payment cancellation request. When a cancellation request for " Busan fish paste 20000 won " is input, for example, Perform password input.

At this time, it is possible to apply the PIN, OTP, and biometric information authentication to the password input, and the screen for confirming the cancellation is shown in FIG. 6C.

The settlement service server 300 generates a UBID and a serial number and transmits the UBID and the serial number to the arm / decoder 310 (S110 and S120). The arm / decoder 310 encrypts the UBID (S130) To the tag 200a-1, the QR code 200a-2, and the BLE button 200a-3 (S141, S142, and S143).

UBID is an identification number uniquely assigned by the payment service server and can be used as a virtual account number.

When the serial number is transmitted to the NFC tag 200a-1, the QR code 200a-2, and the BLE button 200a-3 (S151, S152, and S153) subsequent to the encrypted UBID input, And prints the serial number (S161, S162, S163).

The serial number is a kind of randomly generated card number, which is returned to the settlement service server 300 through the registration process in the financial service server 400 described later with reference to FIG.

The receiver 200 visits the financial institution window 410 and distributes the tag 200a described above with reference to FIG. 6 (S210).

Then, the receiver 200 receives the serial number, the name of the store of the receiver (nickname, contents to be displayed in the recipient name column on the remitter terminal screen, designated by a merchant name or name) Number, etc.) (S220).

This is transmitted to the financial company server 400 (S230). The financial company server 400 extracts the account number by using the personal information, and matches / stores the account number by using the serial number as the key (S240).

Thereafter, the financial company server 400 transmits the serial number and the nickname to the payment service server 300 (S250), and the payment service server 300 stores the serial number, the UBID and the nickname generated by itself in the DB (S260).

When the sender terminal 100 is touched with the NFC tag 200a-1 at step S310, the NFC tag 200a-1 transmits a drive request to the app of the sender terminal 100. At this time, (S315).

The sender terminal 100 drives an app module and extracts a validity value such as an application serial number, a UUID, and a mobile phone number (S320). UUID is a Unique User Identifier, which is used for authentication and authentication of the user.

The payment service server transmits the received information to the authentication server server and requests authentication. The authentication server server transmits member information including the received phone number to the communication company server to request the subscriber confirmation, and the communication company server transmits the telephone number Compares subscriber information including subscriber information with subscriber information, performs subscriber confirmation, and notifies the authentication server server of the result. When the subscriber identification is completed, the authentication server server generates and transmits the identification number to the service server, notifying the authentication server that the identification number is authenticated, and the service server transmits the identification number to the mobile device of the sender. The authentication number may be directly transmitted from the authentication server to the portable device of the sender without going through the service server.

The payment service server 300 receiving the application validity verification request from the sender terminal 100 verifies the application module and decrypts the UBID using the above-described arm / decoder to extract the corresponding seller name (nickname) (S330 ).

The settlement service server 300 transmits the verification result, the collection name and the serial number to the sender terminal 100 (S335), and the sender terminal 100 exposes the transfer screen including the collection name as described above (S340). The transfer money amount and the password are input from the sender (S345). When the authentication is completed in the app, the transfer request including the phone number / password, serial number, and money of the sender is transmitted (S350).

The bank server 400 receiving the transfer request extracts the account, performs transfer processing (S355), transmits the processing result to the payment service server 300 (S360), and transmits the processing result to the remitter terminal 100 (S365) and transmits it to the receiver terminal 200b (S370)).

The sender terminal 100 drives the app module and extracts the validity value including the application serial number, the UUID, and the mobile phone number (S410).

The payment service server 300 verifies the application module (S415) and transmits the verification result to the sender terminal 100 (S420).

When the QR menu is touched at the sender terminal 100 (S425), the sender terminal 100 reads the QR code 200a-2 as the seller tag (S430) and receives the encrypted UBID.

The remitter terminal 100 transmits the encrypted UBID to the payment service server 300 to request the receiver information at step S435 and the payment service server 300 decrypts the UBID using the arm / (Nickname) is extracted (S440).

The payment service server 300 transmits the merchant name and serial number to the sender terminal 100 in step S445 and displays the transfer screen on which the collection name is displayed as described above in step S450, (S455). When the authentication of the application is completed, the transfer request including the telephone number / password, serial number, and money of the sender is transmitted (S460).

The financial company server 400 receiving the transfer request extracts an account and performs transfer processing in step S470 and the processing result is transmitted to the payment service server 300, the sender terminal 100, and the seller terminal in steps S480, S485, S490).

The sender terminal 100 drives the app module and extracts the validity value including the application serial number, the UUID, and the mobile phone number (S510).

The payment service server 300 verifies the application module (S515) and transmits the verification result to the sender terminal 100 (S520).

When the BLE button 200a-3 is touched, the BLE button 200a-3 transmits the encrypted UBID to the sender terminal 100 (S525).

The remitter terminal 100 transmits the encrypted UBID to the payment service server 300 to request the receiver information at step S530. The payment service server 300 decrypts the UBID using the arm / (Nickname) is extracted (S535).

The settlement service server 300 transmits the collection name and the serial number to the sender terminal 100 in step S540 and displays the transfer screen on which the collection name is displayed as described above in step S545, (S550). When the authentication of the application is completed, the transfer request is transmitted to the financial server 400 (S555) including the telephone number / password, the serial number, and the money amount of the sender, .

Upon receiving the transfer request, the financial company server 400 extracts the account and performs transfer processing (S560). The processing result is transmitted to the payment service server 300, the sender terminal 100, and the receiver terminal 200b (S565, S570, S580).

Meanwhile, the service execution according to the embodiment of the present invention can be implemented in a computer system or recorded on a recording medium. 12, the computer system includes at least one processor 121, a memory 123, a user input device 126, a data communication bus 122, a user output device 127, And may include a storage 128. Each of the above-described components performs data communication via the data communication bus 122. [

The computer system may further include a network interface 129 coupled to the network. The processor 121 may be a central processing unit (CPU) or a semiconductor device that processes instructions stored in the memory 123 and / or the storage 128.

The memory 123 and the storage 128 may include various forms of volatile or nonvolatile storage media. For example, the memory 123 may include a ROM 124 and a RAM 125.

When an account-based payment service according to an embodiment of the present invention is performed in a computer device, computer-readable instructions can perform a payment service according to the present invention.

Meanwhile, the account-based payment service according to the present invention described above can be implemented as a computer-readable code on a computer-readable recording medium. The computer-readable recording medium includes all kinds of recording media storing data that can be decoded by a computer system. For example, there may be a ROM (Read Only Memory), a RAM (Random Access Memory), a magnetic tape, a magnetic disk, a flash memory, an optical data storage device and the like. The computer-readable recording medium may also be distributed and executed in a computer system connected to a computer network and stored and executed as a code that can be read in a distributed manner.

The embodiments of the present invention have been described above. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

Claims

A tag mapped to the account number of the receiver or containing the account number of the receiver;

A terminal for recognizing the tag, driving an installed app module and requesting a payment amount transfer; And

A payment service server which performs verification of the application module and provides a receiver's money transfer service by providing receiver information,

Based payment service.
The method according to claim 1,

The tag may be an NFC tag, a QR code, or a BLE button

Based payment service.
The method according to claim 1,

The payment service server randomly generates and stores a card number, and receives receiver information including an account number matched with the card number from a financial company server

Based payment service.
The method according to claim 1,

The terminal drives the application module to extract a validation value, and transmits the validation value to the payment service server to request validity verification

Based payment service.
5. The method of claim 4,

The payment service server verifies the app module, extracts the collection name and transmits it to the terminal

Based payment service.
The method according to claim 1,

The terminal drives the application module to transmit a selection signal for fixed cost information or a transfer request from a previously registered withdrawal account to cost information corresponding to an input of a sender

Based payment service.
The method according to claim 1,

The terminal provides a transfer completion list and requests payment cancellation for the selected transaction

Based payment service.
The account-based payment service server generating a tag;

Receiving account information of the receiver for the tag;

Receiving a verification request from a terminal that has recognized the tag;

Verifying the validity of the application module installed in the terminal and transmitting the receiver information; And

Transferring the transfer amount information inputted through the application module to a financial institution

Based payment service.
A tag generator for generating a tag;

A storage unit for storing account information of the receiver in accordance with the registration of the tag; And

The sender terminal recognizes the tag and verifies the validity of the application module installed in the sender terminal and calls the account information stored in the storage unit to deliver the collection name corresponding to the tag, Intermediate broker

Based payment service server.