WO2019078668A1 - 사용자 단말기를 이용한 결제 처리 서비스 시스템 및 방법 - Google Patents
사용자 단말기를 이용한 결제 처리 서비스 시스템 및 방법 Download PDFInfo
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- WO2019078668A1 WO2019078668A1 PCT/KR2018/012399 KR2018012399W WO2019078668A1 WO 2019078668 A1 WO2019078668 A1 WO 2019078668A1 KR 2018012399 W KR2018012399 W KR 2018012399W WO 2019078668 A1 WO2019078668 A1 WO 2019078668A1
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- billing
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- payment
- payment approval
- providing server
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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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
- G06Q20/30—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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/387—Payment using discounts or coupons
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/407—Cancellation of a transaction
Definitions
- the present invention relates to a payment processing service system and method for performing payment using a user terminal.
- the electronic device in which the pin-tec is embodied has various forms such as a smartphone that can be carried by the user, or a wearable device that can be attached to a part of the user's body.
- Such electronic devices are rapidly becoming highly functional due to the development of information technology (IT) technology and can provide various functions to users.
- IT information technology
- the card information or bank information of the payment approval requestor is provided to the billing person. Personal information leakage and hacking damage are caused by the information delivered to the billing party.
- the server verifies the validity of the card, so that the server has to determine whether the card is valid, Since it is necessary to communicate with the server frequently, there are cases in which settlement problems occur depending on the communication speed with the server or the processing performance of the terminal.
- Patent Document 1 Korean Patent Publication No. 10-2014-0143036
- Patent Document 2 Korean Patent No. 10-1739119
- Various embodiments of the present invention may be used for payment for payment. It is an object of the present invention to provide a payment processing service system and method that can prevent personal information leakage and hacking damage that may occur by providing card information or bank information of a payment approval requestor to a billing party.
- a payment biller terminal for transmitting, to the payment approval requestor, at least one of billing information, billing amount, and code number for identifying the billing;
- a payment approval requesting terminal for confirming at least one of the billing information of the billing person, the billing amount, the payment approval amount, the code number for distinguishing the billing request, and the payment approval requesting person information
- a service providing server that has at least one of the payment approval requestor information and the biller information, and performs a payment process at the request of the payment approval requesting terminal.
- the billing terminal may have one or more of paper, a computer, a smart device, text, and an image.
- the billing receiver terminal encrypts at least one of billing information of the billing party, a code number for identifying the billing, and an order number, and the service providing server transmits the encrypted billing information, And decodes at least one of the code number, the order number, and the order number.
- the payment approval requesting terminal transmits one or more data of wireless communication, text, image, and biometric information scan to the billing client.
- the service providing server when not having the biller information, authenticates the other service providing server that holds the biller information, decrypts the encrypted biller information, And requesting one or more of the information.
- the billing client terminal transmits at least one of a code and an ID that can identify the server in which the billing client information is stored to the payment approval requesting terminal.
- the payment approval requesting terminal transmits to the service providing server at least one of a key and a payment authorization amount that can acquire the billing agent information.
- the service providing server may authenticate the payment approval requester to another service providing server that has the payment approval requester information, decrypt the encrypted payment request requester information, And a settlement process.
- the payment approval requesting terminal transmits a key for accessing the other service providing server to obtain at least one of the identity verification, the decryption of the encrypted payment approval request requester information, and the payment processing, To the providing server.
- the payment approval requesting terminal encrypts and transmits data to be transmitted to the service providing server.
- the service providing server includes a charging DB of the payment approval requestor account, and the charging of the account uses at least one of a service voucher, a cash voucher, an account transfer, and a direct deposit.
- the service providing server makes a payment to the billing agent account from the charged amount of the charged account.
- the billing client terminal transmits one or more pieces of information including the billing agent information, the billing amount, and the code number to distinguish the billing to the payment approval requesting terminal;
- the payment approval requesting terminal confirms at least one of the billing information of the billing party, the billing amount, and the code number that can distinguish the request, and requests payment approval to the service providing server;
- the service providing server has at least one of the payment approval requester information and the billing agent information and performs payment processing according to the request received from the payment approval requesting terminal.
- the billing client terminal encrypts at least one of billing information of the billing party, a code number that can distinguish the request, and an order number, and decrypts the information by the service providing server.
- the service providing server verifies the identity of the billing party to the server holding the billing party information if the billing party information does not hold the billing party information, decrypts the encrypted billing party information, And requesting at least one of the billing agent information.
- the billing client transmits the billing request requester terminal to at least one of a code and an ID for identifying the server in which the billing agent information is stored.
- the payment approval requesting terminal transmits one or more of a key and a payment approval amount to the service providing server, the information enabling the payment request person to acquire information of the payment request person.
- the service providing server may perform authentication of the payment approval requester to the other server having the payment approval requester information, decryption of the encrypted payment request requester information, An approval requestor, and a payment processing.
- the payment approval requesting terminal transmits the payment approval request information to the service providing server in order to obtain at least one of the identity verification of the payment approval requestor, the decryption of the encrypted payment approval requestor information, the payment approval requestor information, And transmits the key to the service providing server.
- the payment approval requesting terminal encrypts and transmits data to be transmitted to the service providing server.
- the billing client terminal transmits the payment information and the user identification information of the payment approval requestor to the service providing server;
- the service providing server performs the verification of the billing party, obtains account information of the billing party using the user identification information of the billing party, and transmits the billing amount to the account of the billing party And a step of remitting the settlement processing service.
- the user identification information of the billing party includes a user identification code and a merchant identification code to which the billing biller is subscribed.
- the service providing server transmits the user identification code and the merchant point identification code to another service providing server corresponding to the merchant identification code, and requests account information of the biller.
- the other service providing server verifies the billing party by means of the user identification code and the merchant identification code, and if the verification is successful, the other service providing server transmits the billing account information of the billing party to the service providing server .
- the payment approval requestor may have a charge account in the service providing server and remit the charge amount from the charge account of the payment approval requestor to the account of the biller in payment in the step d) .
- a user using a payment service is given a user identification code at the time of subscription, and a payment service is provided using the user identification code, so that personal information of a user, that is, a billing party claimant or a payment approval requestor, And to provide a payment processing service system and method capable of efficiently protecting personal information.
- FIG. 1 is a schematic view of a payment system according to an embodiment of the present invention.
- FIG. 2 is a flowchart illustrating a payment method according to an embodiment of the present invention.
- FIG. 3 is a flowchart illustrating a payment method according to another embodiment of the present invention.
- FIG. 4 is a flowchart illustrating a payment method according to another embodiment of the present invention.
- FIG. 5 is a flowchart illustrating a payment method according to another embodiment of the present invention.
- FIG. 6 is a flowchart illustrating a settlement method according to another embodiment of the present invention.
- FIG. 7 is a flowchart illustrating a payment method according to another embodiment of the present invention.
- FIG. 8 is a flowchart illustrating a payment method according to another embodiment of the present invention.
- the card settlement system may include a plurality of user terminals 100a, 100b, ... and one or more card service providing servers 200.
- Each of the devices included in the card settlement system shown in FIG. 1 may be connected to each other via a network.
- each component may be interconnected via a mobile communication network, the Internet network, or a near field wireless communication network (e.g. near field communication (NFC), wireless-fidelity (Wi-Fi) or magnetic stripe transmission (MST) .
- NFC near field communication
- Wi-Fi wireless-fidelity
- MST magnetic stripe transmission
- the user terminal 100 stores the payment application and is executed upon payment and payment.
- the user terminal 100 may be a variety of electronic devices such as a smart phone, a tablet PC, a PC, a wearable device, and a POS (Point of Sales) system.
- the user terminal 100 can download a payment application through the Internet connected to a wired / wireless communication network.
- the payment application may be a payment menu included in the SNS or the like.
- the payment application can be downloaded from a card company or a financial institution server (not shown in the figure) or a payment service providing server 300 by downloading it or downloading it through an application store.
- the billing application may provide a user interface associated with billing.
- the billing application may provide a user interface associated with opening an account, paying, charging, charging, checking accounts or transactions.
- the billing application may provide an interface associated with user authentication through, for example, identification and verification (ID & V).
- the user terminal 100 can be installed in a terminal by installing it in a storage space such as a universal subscriber identity module (USIM) chip, an internal memory, and an external memory.
- the billing system can bill or make a payment using the user terminal.
- a biller is a person who charges or receives a payment
- a requestor for a payment is a person who pays a payment.
- the service providing server 200 is a server for providing a payment service to which a user subscribes, and is a server of the affiliate head office.
- the affiliate headquarters can be a financial institution such as a credit card company or a bank.
- the service providing server 200 delivers the user identification code and the merchant identification code to the user terminal.
- the user terminal 100 stores the user identification code and the merchant identification code and uses the payment service to bill or pay.
- the service providing server 200 When the service providing server 200 receives the payment request from the payment processing request terminal 100a, the service providing server 200 performs the user verification with the user information received together with the payment request information received from the user terminal 100a and, if successful, To the server of the affiliate headquarters according to the merchant store identification code 220 and verifies the billing party and verifies the billing party, the payment billing account information is received from another service providing server having the billing account Obtains the billing account information of the billing account, performs billing processing, and transmits the billing processing result to the billing billing person and / or the payment processing requester terminal (100a, b).
- the service providing server 200 In the case where the user and the payment biller are one of the franchisees of the same affiliate headquarters, verification of the payment processing requestor and verification of the biller of the payment are performed in the same service providing server 200. If the user is not the same affiliate headquarters, The service providing server 200b requests the billing party verification request and billing account information of the biller to proceed with the settlement process. Also, the service providing server 200 according to the embodiment of the present invention includes a DB storing account information, a user identification code, and a merchant store identification code of each user including a payment processing requestor and a billing claimant. The service providing server 200 may include the charging account DB for each user and may be deducted from the charging account upon payment according to the payment service.
- FIGS. 2 to 8 are flowcharts illustrating a payment method using a user terminal according to an embodiment of the present invention.
- a payment method using a user terminal according to an embodiment of the present invention will be described with reference to FIGS.
- the user terminal a is a payment approval requesting terminal
- the user terminal b is a billing party claimant
- the service providing server A is a service providing server of the affiliated head office to which the user terminal a subscribes
- the providing server B is a service providing server of the affiliate head office to which the user terminal b subscribes.
- the payment method according to the first embodiment of the present invention will be described as follows.
- the biller terminal b (100b) generates billing information for billing the payment approval requestor (S111).
- the payment information may include the user identification code b of the billing party, the merchant identification code b, the payment amount, and the order number.
- the payment information is implemented by a QR code and a bar code, and the billing client a (100a) can photograph it and receive payment information.
- the payment information may be transmitted to the billing client a (100a) through the NFC.
- the payment information may be delivered via an instant messenger such as a KakaoTalk, a line, a telegram, a Skype, a Wichet, or an SMS (Short Message Service).
- the settlement request is made through the delivery of the settlement information.
- the payment information may be printed and transmitted as an image or text on paper.
- the billing client a (100a) confirms the payment amount or the like through the received payment information (S112).
- the billing client terminal (a) 100a wants to pay the bill
- the billing client a (100a) requests the service providing server A 200a to perform payment processing (S113).
- the billing client terminal a includes a user identification code a of the payment approval requestor, user information including the merchant identification code a, a user identification code b of the billing agent, and payment agent information , Order number, and payment amount information to the service providing server A (200a). It can be delivered to the server using a payment application.
- the service providing server A 200a that has received the payment processing request performs the user verification of the payment approval requestor (S114), rejects the request if it fails, and, if successful, sends the payment request to the service providing server B (200b)
- a billing person verification request is made (S115).
- the user verification may use one or more of a variety of methods, such as user identification and password, biometric identification, identification, certificate recognition, and credit card recognition of the payment approval requestor received when receiving the payment processing request.
- the payment biller verification request is transmitted to the service providing server B of the affiliate headquarters according to the merchant store identification code b of the billing accountant using the user identification code b and the merchant store identification code b included in the payment biller information received at the time of the bill payment processing request (Step S115).
- step S115 the billing person authentication code b and / or the merchant identification code b are transmitted to the billing company 200b.
- the service providing server B (200b) of the billing accountant verifies the billing party using the user identification code b and / or the merchant identification code b (S116). If the verification is successful, the user identification DB And transmits the stored billing account information to the service providing server A 200a (S117).
- the payment approval requesting service providing server A 200a acquires the account information of the billing party (S118), and processes the payment request requested by the payment approval requester in the account of the billing party (S119).
- the payment biller service providing server B (200b) confirms receipt of the payment to the billing client account (S120)
- the billing client service delivery server B (200b) transmits the processing result to the payment approval requester and / or billing client 200a (S121).
- the payment approval requestor and the payment charge claimant do not exchange personal information such as card information, account information, and telephone number, It is possible.
- billing and payment can be made between users who are not affiliated with the same payment service, financial institution, or credit card company.
- the biller terminal b (100b) generates billing information (S11).
- the billing information can be generated by QR code or barcode.
- the billing client a (100a) obtains billing information from the biller terminal b (100b) by the NFC or image scanning function (S12).
- the payment approval requestor confirms the contents of the payment request and requests the service providing server A 200a for payment processing.
- the service providing server A 200a performs user verification of the payment approval requestor, and if successful, transfers the payment to the billing account holder and performs payment processing (S13).
- the payment can be paid without transmitting the account information, the card information, and the like to the billing claimant, so that the personal information can be protected more securely.
- the inter-account transaction can be performed more easily without requiring the billing party and the payment approval requester to separately create the registration information DB in the transaction between the accounts.
- the payment approval requestor executes the payment application of the user terminal a 100a to select the information receiving means (NFC, QR code or bar code) and requests the charge (S21).
- the billing biller executes the billing application of the user terminal b (100b), inputs the billing amount and the like, generates payment billing information including the billing amount and the receiving account information, and sends billing billing information to the billing agent a (100a) (S22).
- the payment approval requestor having received the payment information requests the service providing server 200 with the payment request information together with the user information of the payment approval requestor.
- the service providing server 200 performs user verification of the payment approval requestor, and if successful, transfers the payment to the billing account holder and performs payment processing (S24).
- the payment can be paid without transmitting the account information, the card information, and the like to the billing claimant, so that the personal information can be protected more securely.
- the inter-account transaction can be performed more easily without requiring the billing party and the payment approval requester to separately create the registration information DB in the transaction between the accounts.
- the payment approval requestor executes the payment application of the user terminal a 100a to select the information receiving means (NFC, QR code or bar code) and requests the charge (S31).
- the billing biller executes the billing application of the user terminal b (100b), inputs the billing amount, etc., and generates payment billing information including billing amount and receiving account information (S32).
- the user terminal b 100b encrypts the generated billing information and transmits the billing information to the billing client a (100a) (S33).
- the payment approval requestor having received the payment information transmits the payment request information together with the user information of the payment approval requestor to request the service providing server 200 for payment processing (S34).
- the service providing server 200 decrypts the encrypted billing information (S35), performs a user verification of the payment approval requestor, and if successful, transfers the payment to the billing account holder (S36).
- the payment approval requester convert the separate giro information into a registration DB at the time of transaction between the accounts.
- the payment biller encrypts and transmits the billing information so that the billing information can be protected more securely.
- FIG. 6 is a flowchart illustrating a payment method using a user terminal according to a fifth embodiment of the present invention.
- the payment method according to the fifth embodiment of the present invention will now be described.
- the billing biller executes the billing application of the user terminal b (100b) and inputs the billing amount
- the billing application generates payment billing information together with the user identification code of the billing accountant and delivers it to the billing agent a (100a) And requests a payment request (S41).
- the payment approval requestor having received the payment information transmits the payment request information together with the user information of the payment approval requestor to request the service providing server 200 for payment processing (S34).
- the service providing server 100 that has requested the payment processing extracts the account information of the billing party from the user information DB by using the user identification code of the billing party included in the billing information and sends the bill to the billing account And performs payment processing (S43).
- the fifth embodiment of the present invention it is possible to more easily perform the inter-account transactions without making the billing person and the payment approval requester convert the separate giro information into a registration DB at the time of transaction between the accounts.
- the settlement billing claimant and the payment approval requesting person can perform settlement processing without exchanging personal information such as card information, account information, and terminal number.
- the billing biller executes the billing application of the user terminal b 100b and transmits the user identification code of the billing agent to the billing agent a 100a to request a billing request (S51).
- the payment approval requestor executes the payment application of the user terminal a 100a and receives the user identification code of the billing agent of the billing agent from the billing agent b 100b in step S52, Generates payment information including the user identification code of the claimant, and transmits the payment information to the service providing server to request payment processing (S53).
- the service providing server 100 that has requested the payment processing extracts the account information of the billing party from the user information DB by using the user identification code of the billing party included in the billing information and sends the bill to the billing account And performs a payment process (S54).
- the payment can be paid without transmitting the account information, the card information, and the like to the billing charge claimant, so that the personal information can be protected more securely.
- the inter-account transaction can be performed more easily without requiring the billing party and the payment approval requester to separately create the registration information DB in the transaction between the accounts.
- FIG. 8 is a flowchart illustrating a payment method using a user terminal according to a seventh embodiment of the present invention.
- the payment method according to the seventh embodiment of the present invention will now be described.
- the user (payment approval requestor) can create a charging account in the service providing server 100 and transfer the charging account to the charging account to charge the charging account (S61).
- the billing biller executes billing application of the user terminal b (100b) to generate payment billing information (S62).
- the billing information can be generated by QR code or barcode.
- the billing client a (100a) obtains billing information from the biller terminal b (100b) using the NFC or image scanning function (S63).
- the payment approval requestor confirms the contents of the payment request and requests the service providing server A 200a for payment processing.
- the service providing server A 200a performs the user verification of the payment approval requestor, and if successful, the service providing server A 200a subtracts the charging account of the payment approval requestor from the charging account and transfers the payment to the billing account holder (S64, 65).
- personal information can be protected more safely because payment can be made without transmitting account information, card information, and the like to the billing claimant.
- the inter-account transaction can be performed more easily without requiring the billing party and the payment approval requester to separately create the registration information DB in the transaction between the accounts.
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Description
Claims (7)
- 결제대금 청구자 정보, 청구 금액, 청구를 구분하는 코드번호를 결제승인 요청자에 전송하는 결제대금 청구자 단말기;상기 결제대금 청구자 정보, 상기 청구 금액, 상기 청구를 구분하는 코드번호, 결제승인 금액, 및 결제승인 요청자 정보를 확인하고 결제 서비스 제공 서버에 대금 지불 승인 요청과 함께 전송하는 결제승인 요청자 단말기;상기 결제승인 요청자 정보, 상기 결제대금 청구자 정보 중 하나 이상의 정보를 보유하고 있고, 상기 결제승인 요청자 단말기의 요청에 의해 결제 처리를 수행하는 서비스 제공 서버를 포함하고,상기 서비스 제공 서버는 상기 결제승인 요청자 정보를 보유하고 있지 않은 경우 상기 결제승인 요청자 정보를 보유하고 있는 타 서버에 상기 결제승인 요청자의 신원 검증, 상기 결제승인 요청자 정보, 결제 처리 중 하나 이상을 요청하는 결제처리 서비스 시스템.
- 제 1항에 있어서상기 결제대금 청구자 단말기는 상기 결제대금 청구자 정보, 상기 청구를 구분하는 코드번호, 주문번호 중 하나 이상의 정보를 암호화하여 전송하고, 상기 서비스 제공 서버는 상기 암호화된 상기 결제대금 청구자 정보, 상기 청구를 구분하는 코드 번호, 상기 주문번호 중 하나 이상의 정보를 복호화하는 결제처리 서비스 시스템.
- 제 1항에 있어서상기 서비스 제공 서버는 상기 결제승인 요청자 계정의 충전 DB를 포함하고, 상기 계정의 충전은 서비스 상품권, 현금 교환권, 계좌이체, 직접 입금 중 하나 이상의 방법을 사용하는 결제 처리 서비스 시스템.
- 결제 대금 청구자 단말기가 결제대금 청구자 정보, 청구 금액, 청구를 구분할 수 있는 코드번호를 결제승인 요청자 단말기로 전송하는 단계;상기 결제승인 요청자 단말기가 상기 결제대금 청구자 정보, 상기 청구 금액, 상기 청구를 구분할 수 있는 코드번호 중 하나 이상의 정보를 확인하고 서비스 제공 서버에 대금 지불 승인 요청과 함께 전송하는 단계; 및상기 서비스 제공 서버가 상기 결제승인 요청자 정보, 상기 결제대금 청구자 정보 중 하나 이상의 정보를 보유하고 있고, 상기 결제승인 요청자 단말기에서 수신한 상기 요청에 의해 결제 처리를 수행하는 단계를 포함하고,상기 서비스 제공 서버가 상기 결제승인 요청자 정보를 보유하고 있지 않은 경우는 상기 결제승인 요청자 정보를 보유하고 있는 타 서버에 상기 결제승인 요청자의 신원 검증, 상기 결제승인 요청자 정보, 결제 처리 중 하나 이상을 요청하는 결제 처리 서비스 방법.
- 제 4항에 있어서상기 결제대금 청구자 단말기는 적어도 상기 결제대금 청구자 정보, 상기 청구를 구분할 수 있는 코드번호, 주문번호 중 하나 이상의 정보를 암호화하고, 상기 서비스 제공 서버에서 이를 복호화하는 결제 처리 서비스 방법.
- a) 결제대금 청구자 단말기가 결제승인 요청자 단말기로 대금을 청구하기 위하여 상기 결제 대금 청구자의 사용자 식별정보와 청구 금액를 포함하는 결제 정보를 생성하는 단계;b) 상기 결제대금 청구자 단말기가 상기 결제승인 요청자 단말기로 상기 결제 정보를 전송하는 단계;c) 상기 결제승인 요청자 단말기는 상기 결제 정보와 상기 결제승인 요청자의 사용자 식별 정보를 서비스 제공 서버로 전송하는 단계; 및d) 상기 서비스 제공 서버는 상기 결제대금 청구자의 검증을 수행하고, 상기 결제 대금 청구자의 사용자 식별 정보를 이용하여 상기 결제 대금 청구자의 계정 정보를 획득하고, 상기 결제 대금 청구자의 계정으로 상기 청구 금액을 송금하는 단계를 포함하고,상기 결제대금 청구자의 사용자 식별 정보는 사용자 식별 코드 및 상기 결제 대금 청구자가 가입된 가맹점 식별 코드를 포함하고,상기 d) 단계에서, 상기 서비스 제공 서버는 상기 가맹점 식별 코드에 해당하는 타 서비스 제공 서버에 상기 사용자 식별 코드와 상기 가맹점 식별 코드를 전송하여 상기 결제 대금 청구자의 계정 정보를 요청하는 결제 처리 서비스 방법.
- 제 6 항에 있어서,상기 결제 승인 요청자는 상기 서비스 제공 서버에 충전 계좌를 가질 수 있고,상기 d) 단계에서 지불 시 상기 결제 승인 요청자의 상기 충전 계좌에서 상기 결제 대금 청구자의 계정으로 상기 청구 금액을 송금하는 결제 처리 서비스 방법.
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CN201880068218.7A CN111247549A (zh) | 2017-10-20 | 2018-10-19 | 利用用户终端设备的结算处理服务系统及方法 |
JP2020522329A JP2021500665A (ja) | 2017-10-20 | 2018-10-19 | ユーザ端末を用いた決済処理サービスシステム及び方法 |
CA3079668A CA3079668A1 (en) | 2017-10-20 | 2018-10-19 | Payment processing service system and method using user terminal |
EP18867815.5A EP3699853A4 (en) | 2017-10-20 | 2018-10-19 | PAYMENT PROCESSING SYSTEM AND METHOD USING A USER TERMINAL DEVICE |
US16/977,460 US20200402067A1 (en) | 2017-10-20 | 2018-10-19 | Payment processing service system and method using user terminal |
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CN (1) | CN111247549A (ko) |
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EP3699853A1 (en) | 2020-08-26 |
JP2021500665A (ja) | 2021-01-07 |
CA3079668A1 (en) | 2019-04-25 |
CN111247549A (zh) | 2020-06-05 |
KR20190044331A (ko) | 2019-04-30 |
EP3699853A4 (en) | 2021-07-21 |
US20200402067A1 (en) | 2020-12-24 |
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