WO2019203384A1 - Procédé et système de service de paiement mobile permettant d'empêcher une fuite d'informations personnelles, un double paiement, un surpaiement ou une erreur de paiement, en permettant à un utilisateur d'entrer directement un montant de paiement, de recevoir un code de sécurité de paiement à usage unique généré par une institution financière et d'effectuer un paiement au moment de la réalisation d'un paiement en ligne ou hors ligne - Google Patents

Procédé et système de service de paiement mobile permettant d'empêcher une fuite d'informations personnelles, un double paiement, un surpaiement ou une erreur de paiement, en permettant à un utilisateur d'entrer directement un montant de paiement, de recevoir un code de sécurité de paiement à usage unique généré par une institution financière et d'effectuer un paiement au moment de la réalisation d'un paiement en ligne ou hors ligne Download PDF

Info

Publication number
WO2019203384A1
WO2019203384A1 PCT/KR2018/005031 KR2018005031W WO2019203384A1 WO 2019203384 A1 WO2019203384 A1 WO 2019203384A1 KR 2018005031 W KR2018005031 W KR 2018005031W WO 2019203384 A1 WO2019203384 A1 WO 2019203384A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
user
security code
information
time
Prior art date
Application number
PCT/KR2018/005031
Other languages
English (en)
Korean (ko)
Inventor
박희영
고태호
노종윤
Original Assignee
박희영
고태호
노종윤
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=68240125&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=WO2019203384(A1) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by 박희영, 고태호, 노종윤 filed Critical 박희영
Publication of WO2019203384A1 publication Critical patent/WO2019203384A1/fr

Links

Images

Classifications

    • 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
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • 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
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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

Definitions

  • the present invention provides a mobile payment service method for preventing personal information leakage, double payment, overpayment or payment error by directly inputting a payment amount during online or offline payment and receiving and paying a one-time payment security code generated by a financial institution.
  • a system and more particularly, when a payment process is performed at a retail store terminal using personal information related to a payment method stored in a mobile terminal, the user directly checks the payment amount and inputs the payment amount to the user terminal.
  • the present invention relates to a mobile payment service method and system for preventing leakage of personal information, double payment, overpayment or payment error by receiving and paying a code.
  • a method of generating a disposable mobile card number such as a one-time mobile card (OTMC) in a barcode format and using it in a retail terminal equipped with a barcode reader is used.
  • magnetic data transmission technology such as MST (Magnetic Secure Transmission) in the mobile terminal
  • MST Magnetic Secure Transmission
  • the payment can be made by contacting the magnetic reader of the retailer's terminal so that the retail terminal of the existing magnetic card method can be used as it is.
  • NFC Near Field Communication
  • the present invention has been made to solve the above problems, the present invention, the user directly checks the payment amount when the payment process is performed in the retail store terminal using the personal information related to the payment means stored in the mobile terminal and the user terminal Receive the one-time payment security code generated by the financial institution that processes the payment by inputting to the user terminal and performs online or offline payment with the one-time payment security code corresponding to the payment amount to the user of the amount designated by the user at the retail terminal
  • One-time payment security code generated by a financial institution by directly inputting the payment amount in online or offline payments that can prevent payment accidents such as personal information leakage, double payment, overpayment or payment error by passing only payment approval information.
  • the user directly inputs a payment amount and receives a one-time payment security code generated by a financial institution and pays the user to prevent personal information leakage, double payment, overpayment or payment error.
  • Mobile payment service method and system the user uses a one-time payment security code dedicated app that provides a one-time payment security code for the payment amount approval from the user terminal to the retailer terminal that does not provide personal information including user identification information and payment method information Installing the terminal; and encrypting and storing the user unique identification information and payment means information in a security code approval server for generating the one-time payment security code by executing the one-time payment security code dedicated app installed in the user terminal.
  • Payment for payouts at retailer terminals Transmitting a user's payment information to a payment server performing a user authentication and a financial settlement process by executing the one-time payment security code-only app in the user terminal when requesting a user terminal; and performing the user authentication.
  • the security code approval server When the security code approval server is completed, the security code approval server interworks with the payment server to perform the user financial settlement process using the user's unique identification information and the payment means information stored therein, and the user's payment approval information by the user's financial settlement process.
  • the user financial settlement process may be a process of generating the user payment approval information for the sale price requested by the retailer terminal using the payment means information corresponding to credit card, check card, gift card, or bank transfer information. have.
  • the user payment information transmitted to the payment server, the payment price and the unique identification code IMEI mobile phone number of the user terminal, the user authentication for the user terminal using the IMEI unique identification code in the payment server can be performed.
  • the seller financial settlement process may be a step of checking whether the user payment information stored in the payment server and the store payment information match each other and then remitting a payment amount corresponding to the user payment approval information by the user financial settlement process to the seller. .
  • the one-time payment security code may be implemented by one-time password (OPT) algorithm method to generate a one-time use.
  • OPT one-time password
  • the step of finally confirming and displaying the use of the one-time payment security code corresponding to the user payment approval information in the user terminal may include a shape on the display screen of the user terminal until the retailer terminal receives the one-time payment security code of the user terminal.
  • the ghost code consisting of a matrix of the random number method that is difficult to grasp is displayed, and the user touches the display screen, the one-time payment security code transmitted from the security code approval server may be displayed.
  • the user terminal may be a step of directly inputting a payment amount by executing a one-time payment security code dedicated app.
  • the user inputs the keyboard to the user terminal. It may be.
  • the user directly inputs the payment amount is input by recognizing the user's voice in the user terminal It may be.
  • the user directly enters the payment amount is a user input by handwriting It may be.
  • the stored voice or handwriting pattern is compared with the voice or handwriting pattern input by the user. It can be characterized in that the user terminal can determine whether the match.
  • the mobile payment service method that prevents the leakage of personal information, double payment, overpayment or payment error by directly entering the payment amount when paying online or offline and receiving the one-time payment security code generated by the financial institution.
  • the user identification information and payment means information as well as cryptocurrency account information, discount card information, points, or mileage to the security code approval server that generates the one-time payment security code by executing the one-time payment security code-only app installed in the user terminal.
  • the user terminal executes the one-time payment security code-only app on the user terminal, performs user authentication in a payment server that performs user authentication and financial settlement process, and accumulates virtual currency account information, discount card information, points, or mileage accumulation information of the user terminal.
  • Generating a first one-time payment security code comprising a; Receiving a first one-time payment security code generated in the user terminal at the retail store terminal and transmitting the purchase list and payment information information selected by the user to the payment server to the payment server: when the user authentication is completed, the security code
  • the authorization server interoperates with the payment server to perform the user financial settlement process with optimized payment information using not only user identification information and payment method information stored therein, but also virtual account information, discount card information, points, or mileage accumulation information.
  • the user financial settlement process using the payment means information or discount card information, point earning information or mileage earning information corresponding to credit card, check card, gift card, bank transfer information, cryptocurrency transaction account information It may be a process of generating optimized payment information for the sales price requested by the retailer terminal.
  • the user payment information transmitted to the payment server may include a payment price and user identification information of the user terminal, and the payment server may perform a user authentication process for the user terminal using the user identification information.
  • the financial settlement process is a payment using a virtual currency
  • a virtual one-time temporary account is created, and the amount of the optimized payment information for the payout in the user's virtual currency account is transferred to the virtual one-time temporary account and the virtual one-time temporary account
  • the selling price may be transferred or settled to the retailer terminal.
  • the first one-time payment security code and the second one-time payment security code may be implemented by one-time password (OTP) algorithm method to be generated for one time use.
  • OTP one-time password
  • the step of finally confirming and displaying the use of the one-time payment security code corresponding to the payment approval information at the user terminal is a matrix of a random number method that is difficult to identify the shape on the display screen until the retail terminal receives the one-time payment security code.
  • the ghost code consisting of a matrix is displayed and the user touches the display screen, the one-time payment security code transmitted from the security code approval server may be displayed.
  • the mobile payment service system that prevents the leakage of personal information, double payment, overpayment or payment error by entering the payment amount online or offline and paying the user by receiving the one-time payment security code generated by the financial institution is a one-time payment.
  • a user terminal having a one-time payment security code-only app installed to service a payment security code; and a user identification information and payment means information using the user terminal in the one-time payment security code-only app are transmitted through a data communication network;
  • a security code approval server for receiving and encrypting the data and storing the information therein and performing the user financial settlement process to generate a one-time payment security code from which personal information has been removed; and receiving user payment information from the user terminal and authenticating the user Perform and award
  • a store terminal that receives and analyzes payment approval information, generates payment point payment information, and transmits it to the payment server when the security code transmitted from the security code approval server is displayed on the user terminal.
  • the public key encryption algorithm may be used when the user terminal transmits user-related personal information and user payment information to a security code approval server and a payment server, respectively.
  • the private network may be configured using a dedicated line.
  • the user payment information may include a payment price and an IMEI unique identification code which is a unique number of a mobile phone of the user terminal, and the payment server may perform a user authentication process for the user terminal using the IMEI unique identification code.
  • the user terminal displays a ghost code consisting of a matrix matrix of a random number method that is difficult to identify the shape on the display screen until the retailer terminal receives the one-time payment security code, and then touches the display screen of the user.
  • the one-time payment security code delivered may be provided.
  • the user when the payment process is performed at the retail store terminal using personal information related to the payment means stored in the mobile terminal, the user directly inputs the payment amount to obtain a one-time payment security code from the financial institution.
  • the retailer terminal By creating and providing only the payment amount to the payment terminal, the retailer terminal only needs to check the payment information for the payment amount, thereby effectively blocking payment accidents such as personal information leakage, double payment, overpayment or payment error. have.
  • the present invention since only the software that can recognize the payment approval information provided through the mobile terminal can be serviced by updating the retailer terminal, it is possible to continue using the existing retailer terminal without requiring additional hardware replacement. It is effective to prevent user convenience and cost waste of the store.
  • the present invention smart phone users by providing a payment service using a one-time payment security code generated through a one-time payment security code dedicated app (application) installed on the mobile terminal without limiting a specific mobile terminal manufacturer. It is effective to provide an open mobile terminal payment service method and system that can be used.
  • the present invention in the process of generating a one-time payment security code, first process the authentication information and payment-related card information with the payment server, and after that provides only one-time payment security code information payment information approval information to the retailer terminal of the user Without the re-approval, there is an effect of blocking the existing problem of illegal payment in the same retailer terminal.
  • the present invention unlike the conventional way to provide all the card information over the wire when the payment approval through the telephone payment service using a one-time payment security code generated through a one-time payment security code dedicated app installed on the mobile terminal Providing a can prevent payment accidents such as unauthorized payment or duplicate payment.
  • the present invention can further improve security by adding a ghost code function to the user terminal so that the one-time payment security code is not exposed offline.
  • FIG. 1 is a configuration diagram schematically showing a mobile payment service system according to an embodiment of the present invention.
  • FIG. 2 is a flowchart schematically illustrating a mobile payment service method according to an embodiment of the present invention.
  • FIG. 3 is a flowchart specifically illustrating a mobile payment service method according to a first embodiment of the present invention.
  • FIG. 4 is a flowchart specifically illustrating a mobile payment service method according to a second embodiment of the present invention.
  • FIG. 5 is a conceptual diagram illustrating that a ghost code is displayed and used on a user terminal according to an embodiment of the present invention.
  • first and second are intended to distinguish one component from another component, and the scope of rights should not be limited by these terms.
  • first component may be named a second component, and similarly, the second component may also be named a first component.
  • an identification code (e.g., a, b, c, etc.) is used for convenience of description, and the identification code does not describe the order of the steps, and each step clearly indicates a specific order in context. Unless stated otherwise, they may occur out of the order noted. That is, each step may occur in the same order as specified, may be performed substantially simultaneously, or may be performed in the reverse order.
  • the retailer terminal 100 is a terminal installed on the retailer side and is connected to the payment server 400 through a wireless or wired communication network, inputs output means and an order for outputting a receipt, a purchased article and a user.
  • Security code recognition means for recognizing a one-time payment security code formed of a bar code or a serial code displayed on the terminal 200.
  • the user terminal 200 may be connected to the security code approval server 300 and the payment server 400 using a mobile communication or Wi-Fi wireless communication as a terminal carried by the user.
  • the security code approval server 300 in conjunction with the payment server 400 generates a one-time payment security code including payment approval information according to the user payment information.
  • the payment server 400 compares the user payment information and the store payment information to perform the payment process requested by the user terminal 200.
  • FIG. 1 is a configuration diagram schematically showing a mobile payment service system according to an embodiment of the present invention.
  • the mobile payment service system for preventing payment or payment error may include a retailer terminal 100, a user terminal 200, a security code approval server 300, and a payment server 400.
  • the user terminal 200 is formed with a payment limit for the payment amount of the store's payment request, and easily provides the store terminal with a one-time payment security code, which is user payment information that does not include personal information.
  • One-time payment security code-only app to be installed.
  • the personal information includes user identification information such as user identification code and payment means information such as credit card serial number, including credit card, check card, Points to the general payment method information, including gift cards, virtual currency, account transfer information, in addition to discount card information, card-specific point accumulation information, mileage credit information may also be applicable.
  • payment means information such as credit card serial number, including credit card, check card, Points to the general payment method information, including gift cards, virtual currency, account transfer information, in addition to discount card information, card-specific point accumulation information, mileage credit information may also be applicable.
  • the retailer terminal 100 receives the one-time payment security code displayed on the user terminal 200 by a security code recognition means such as a barcode scanner, analyzes the payment information, and pays the sales amount to the payment server of the financial institution.
  • Store payment information requesting may be generated.
  • the retailer terminal 100 when the user terminal 200 purchases and pays for the item, the retailer terminal 100 receives the one-time payment security code from which the personal information is removed. Personal information input to the terminal 200 may be blocked from being transmitted to the retail terminal 100 having weak security.
  • the security code approval server 300 when the user-specific identification information and payment means information using the user terminal 200 in the one-time payment security code-only app is received through the data communication network and encrypted and encrypted inside Can be stored in
  • the data communication network if the user terminal 200 is a mobile device such as a smart phone is preferably implemented through a wireless network, but is not limited to this, the user terminal 200 is a portable terminal in a wired network In the case of having an accessible interface, it may be implemented through a wired network.
  • the security code approval server 300 may generate payment approval information obtained by performing a user financial settlement process as a one-time payment security code.
  • the user terminal 200 receives the user's unique identification information, transmits the user's payment information to the payment server 400 and performs the user authentication, and then the security code approval server 300 receives the By interworking with the payment server 400, payment final approval information for the payment price requested by the retailer terminal 100 may be generated using the payment means information stored therein.
  • the payment server 400 receives the user payment information from the user terminal 200 to perform the user authentication and interworking with the security code approval server 300 to perform the user financial settlement process Can support
  • the store terminal 100 may transmit the store payment information generated by receiving the one-time payment security code of the user terminal 200 to the payment server 400.
  • the user terminal 200 is configured as a matrix matrix of a random number method difficult to determine the shape on the one-time payment security code display screen of the user terminal 200 until the retail terminal 100 receives the one-time payment security code.
  • the one-time payment security code transmitted from the security code approval server may be displayed by a finger touch, which will be described later with reference to FIG. 5.
  • the user terminal 200 when the user terminal 200 transmits the user identification information, payment means information or user payment information to the security code approval server 300 or payment server 400, respectively; Key encryption algorithm method can be used.
  • each public key paired with each private key of the authorization server 300 and the payment server 400 is preferably disclosed in advance in the user terminal 200. Do.
  • the security code approval server 300 and the payment server 400 when interlocked to perform the financial settlement process may be configured as a private network using a dedicated line.
  • the security code approval server 300 and the payment server 400 are located in a private network with high security because it is not easy to access from the outside, such as a financial institution, it is necessary for secure connection when interworking for the user financial settlement process. No procedure is required, which speeds up processing.
  • the user terminal 200 When the user identification information and payment means information input from the user terminal 200 is encrypted and stored in the security code approval server 300 and interworked with the payment server 400 through a private network to perform a financial settlement process, the user terminal Compared to the secure access procedure used when connected via 200, the simplified access procedure may be followed.
  • the user payment information transmitted when the user terminal 200 undergoes a user authentication process through the payment server 400, the payment price and the mobile phone unique of the user terminal 200 It may contain a number, the IMEI unique identification code.
  • the payment server 400 may perform a user authentication process for a user terminal, which may be a mobile device such as a smartphone, by using the IMEI unique identification code.
  • the one-time payment security code used in the embodiment of the present invention may be implemented in a one time password (OTP) algorithm, and may be generated for one time use.
  • OTP one time password
  • FIG. 2 is a flow chart shown in Figure 2 when the user directly enters the payment amount in the online or offline payment according to an embodiment of the present invention, the user receives a one-time payment security code generated by a financial institution, and payment by personal information leakage, duplicate payment, excess
  • FIG. 3 is a view illustrating a schematic flowchart of a mobile payment service method for preventing a payment or a payment error
  • FIG. 3 is a diagram for describing in detail a direct pay method for directly paying by specifying a payment amount in a user terminal. It is a diagram for explaining in detail a master pay method that can use the use of virtual currency, mileage, discounts, points, etc. by providing payment information optimized for a purchase list using a store in the terminal.
  • FIG. 2 is a diagram schematically illustrating a mobile payment service method according to an embodiment of the present invention.
  • Mobile payment service method to prevent payment or payment errors one-time payment security code dedicated app installation step (S10), the step of encrypting and storing the user identification information in the security code approval server (S20), payment server user authentication step ( S30), a one-time payment security code generation step (S40), a one-time payment security code display step (S50) to the user terminal, and one-time payment security code reception and retailer payment information transmission step (S60).
  • the security code dedicated app installation step (S10) may be a step of installing a dedicated app to service the one-time payment security code on the user terminal 200, where the one-time payment security code is It refers to a security code for payment amount approval provided to the retailer terminal without including the user identification information and payment means information.
  • a payment code generally used for a mobile payment means includes a variety of information required for a payment request to a financial institution by a retailer when a user purchases an ordered product at a retailer.
  • the information basically identifies a user. Because it contains both information and payment method information, if the payment code is leaked outside, serious personal information leakage is concerned.
  • Most of the retailer terminal 200 is connected to the Internet online and is located at the counter of the retailer. Thus, when such personal information is transmitted to the retailer terminal 200, there is a high risk of leakage due to hacking.
  • the one-time payment security code-only app can be installed and serviced on the user terminal 200.
  • an encryption / decryption unit for encrypting and decrypting personal information
  • a storage unit for storing the encrypted personal information
  • payment as described below. It may include a financial settlement processing unit for performing a user financial settlement process in conjunction with the server 400.
  • the payment server user authentication step (S30), the one-time payment security code dedicated app in the user terminal 200 when the payment request for the payment to the user terminal 200 in the retail store terminal 100 It may be a step of transmitting the user payment information to the payment server 400 performing the user authentication and financial settlement process to perform the user authentication.
  • the user payment information by including a mobile unique identification code when authenticating the user by a method such as SMS, authorized certificate, ID and password when performing the user authentication in the payment server 400 It can be performed by using a combination of authentication means for identifying the mobile device itself.
  • the one-time payment security code generation step (S40) when the user authentication is completed, the security code approval server 300 is linked with the payment server 400, the user identification information and payment means information stored therein It may be a step of performing a user financial settlement process using the user and generating payment approval information by the user financial settlement process as a security code from which personal information has been removed to the user terminal.
  • the user financial settlement process may be a process of generating payment approval information for the sales price requested by the retailer terminal by using the payment means information corresponding to the credit card, check card, gift card, and bank transfer information. .
  • the one-time payment security code display step (S50) on the user terminal may be a step of finally confirming and displaying the presence or absence of the one-time payment security code corresponding to the user payment approval information in the user terminal.
  • After analyzing the payment information may be the step of generating the shop payment information and transmitting the shop payment information to the payment server (400).
  • the payment server 400 performs a seller financial payment process corresponding to the store payment information requested by the store terminal, and the user terminal 200 by the user payment information A step of displaying that payment is completed may be performed.
  • the seller financial settlement process after confirming whether the user payment information stored in the payment server 400 and the store payment information is matched, the payment price corresponding to the payment final approval information by the user financial payment process to the seller Remittance may be a step.
  • FIG. 3 is a flowchart specifically illustrating a mobile payment service method according to a first embodiment of the present invention.
  • the user terminal 200 when the payment request (S101) to the user for the amount of goods sold in the store terminal 100, the user terminal 200 one-time payment security code only app By executing the payment amount can be directly input (S102).
  • the user can run the one-time payment security code-only app on the user terminal to directly input the payment amount, and the user directly inputs the payment amount in the user's voice
  • the user's own voice or handwriting pattern information is stored in advance in the user terminal, when the user directly enters the payment amount by voice recognition or handwriting input, the stored voice or handwriting
  • the user terminal may determine whether the pattern is matched by comparing the pattern with the input voice or handwriting pattern.
  • the one-time payment security code dedicated app executed in the user terminal 200 may select a payment card and request a payment (S103). At this time, although not shown in the figure, it is also possible to change the payment card and select another card.
  • the security code approval server 300 receives the one-time payment security code according to the user payment information by performing the financial settlement process while interlocking the user payment information from the payment server 400 to the security code approval server 300. Can be generated (S107).
  • the one-time payment security code generated as described above is displayed on the user terminal 200 (S108), the user can perform a user payment approval process (S109) to confirm the payment amount and to approve the payment.
  • the progress file of the user payment information including the one-time payment security code generated by the security code approval server 300 may be deleted.
  • the one-time payment security code displayed on the screen of the user terminal 200 is received by the retailer terminal 100 through a security code recognition means such as a barcode scanner and the retailer terminal 100 begins to analyze the one-time payment security code.
  • a security code recognition means such as a barcode scanner
  • the one-time payment security code includes only payment amount information in a state in which user unique identification information or payment means information is removed, personal information of the user terminal may be blocked.
  • the retailer terminal 100 may generate payment information of the retailer by combining payment approval information and a retailer with respect to the payment amount acquired through the barcode (S111).
  • the payment server 400 determines whether the payment is consistent with the user payment information of S104 and finalizes payment. Can be.
  • the payment final approval information, the final approval is completed in the payment server 400 may be finally displayed on the user terminal or the retailer terminal as a receipt screen.
  • FIG. 4 is a flowchart specifically illustrating a mobile payment service method according to a second embodiment of the present invention.
  • the second embodiment shown in FIG. 4 represents a process of making payments using virtual currency or various types of discount cards or mileage points, and unlike the embodiment of FIG. 3, unique identification of a user to a security code approval server.
  • unique identification of a user to a security code approval server In addition to the information and payment method information, including the cryptocurrency account information, discount card information, point earning information, or mileage earning information can be stored and encrypted.
  • FIG. 4 describes in detail the mobile payment service method according to a second embodiment of the present invention.
  • the user terminal executes the one-time payment security code-only app (S201) and transmits user payment information to a payment server that performs user authentication and financial settlement process (S202) to perform user authentication (S203.S204).
  • the one-time payment security code may be generated in the user terminal 200 (S205).
  • the user payment information is generated by including the unique identification code information of the IMEI terminal included when the user terminal 200 transmits the user payment information to the payment server 400.
  • the retailer terminal 100 receives the one-time payment security code generated by the user terminal 200 as a security code recognition means (S206), and combines the purchase list and the payment price information selected by the user with the retailer payment information. It may be sent to the payment server (S207).
  • the security code approval server 300 interoperates with the payment server 400 to accumulate not only user's unique identification information and payment means information, but also virtual currency account information, discount card information, point earning information, or mileage accumulation.
  • the user may perform a user financial settlement process using the optimized payment information using the information (S209), generate a one-time payment security code according to the user financial settlement process (S210), and transmit the same to the user terminal 200.
  • the user financial settlement process using the payment method information and virtual currency account information, discount card information, point earning information or mileage earning information corresponding to virtual currency, credit card, check card, gift card, or bank transfer information It may be a process of generating optimized payment information for the sales price requested by the retailer terminal.
  • the user terminal 200 confirms and confirms whether or not the use of the one-time payment security code corresponding to the payment approval information (S211) and approves (S212), where the optimized payment information is one-time payment security. Can be displayed with code.
  • the security terminal displayed on the user terminal 200 is received at the retailer terminal 100 (S213), the payment approval information included in the security code is analyzed, and then the retailer payment information is generated (S214).
  • the server may transmit the payment information to the store and request a payment (S215).
  • a one-time temporary account for virtual currency is generated and optimized payment information for the payment in the user's virtual currency account.
  • the total amount of the payment from the cryptocurrency one-time temporary account to the retailer terminal may be transferred or settled.
  • the amount of the one-time temporary account of the cryptocurrency may be fully transferred to the user's cryptocurrency account.
  • the payment server 400 performs a seller financial payment process corresponding to the store payment information requested by the store terminal 100 and displays that the payment by the user payment information is completed on the user terminal 200. can do.
  • FIG. 5 is a diagram illustrating that a ghost code is displayed and used on a user terminal according to an embodiment of the present invention.
  • the user terminal 200 forms a shape on the one-time payment security code display screen of the user terminal 200 until the store terminal 100 receives the one-time payment security code.
  • the ghost code may be displayed on the user terminal 200.
  • the security code displayed on the user terminal 200 may not be exposed offline, thereby further improving the security of the security code.
  • the present invention when performing the payment process in the retail store terminal using the user identification information or payment means information stored in the user terminal by performing the payment process by separating the user personal information and the user payment information retailer terminal there is an effect that can prevent the leakage of personal information through the retail terminal, which is vulnerable to security by transmitting only payment information without transferring personal information.
  • the present invention if only the software that can recognize the one-time payment security code provided to the retail store terminal 100 through the user terminal 200, the service is available if the retail store terminal 100, additional hardware replacement is required. It is possible to continue to use the existing terminal terminal without using the user convenience and the effect of preventing the cost waste of the store.
  • the present invention smart by providing a payment service using a one-time payment security code generated through a one-time payment security code dedicated app installed on a user terminal such as various types of mobile terminals without limiting the specific mobile terminal manufacturer. It is effective to provide an open mobile terminal payment service method and system that can be easily used by a phone user.
  • the present invention in the process of generating a security code, the first processing the payment server and the identity information and payment-related card information, and after that the terminal of the store provides only one-time payment security code information including the payment amount to the retailer terminal It is effective in blocking the leakage of personal information through the source.
  • the present invention can further improve security by adding a ghost code function to the user terminal so that the one-time payment security code is not exposed offline.
  • Mobile payment service to prevent personal information leakage, double payment, overpayment or payment error by directly inputting the payment amount when paying online or offline according to the present invention and receiving and paying a one-time payment security code generated by a financial institution
  • the method and system will be said to be an industrially available invention as it would be possible to repeatedly provide such services in the mobile payment service industry.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un procédé et un système de service de paiement mobile permettant d'empêcher une fuite d'informations personnelles, un double paiement, un surpaiement ou une erreur de paiement, en permettant à un utilisateur d'entrer directement un montant de paiement, de recevoir un code de sécurité de paiement unique généré par une institution financière et d'effectuer un paiement au moment de la réalisation d'un paiement en ligne ou hors ligne. Plus précisément, la présente invention concerne un procédé et un système de service de paiement mobile permettant d'empêcher une fuite d'informations personnelles, un double paiement, un surpaiement ou une erreur de paiement, en permettant à un utilisateur d'entrer directement un montant de paiement, de recevoir un code de sécurité de paiement à usage unique généré par une institution financière et d'effectuer un paiement au moment de la réalisation d'un paiement en ligne ou hors ligne ; lorsqu'une procédure de paiement est effectuée par l'intermédiaire d'un terminal de magasin au moyen d'informations personnelles associées au moyen de paiement mémorisées dans un terminal mobile, un utilisateur identifie directement un montant de paiement et introduit ce dernier dans un terminal utilisateur, le terminal utilisateur reçoit un code de sécurité de paiement à usage unique généré par une institution financière qui traite un paiement correspondant, et effectue un paiement en ligne ou hors ligne à l'aide du code de sécurité de paiement à usage unique correspondant au montant de paiement, de façon à transférer, au terminal de magasin, uniquement des informations d'approbation de paiement du montant spécifié par l'utilisateur.
PCT/KR2018/005031 2018-04-16 2018-04-30 Procédé et système de service de paiement mobile permettant d'empêcher une fuite d'informations personnelles, un double paiement, un surpaiement ou une erreur de paiement, en permettant à un utilisateur d'entrer directement un montant de paiement, de recevoir un code de sécurité de paiement à usage unique généré par une institution financière et d'effectuer un paiement au moment de la réalisation d'un paiement en ligne ou hors ligne WO2019203384A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020180043844A KR102082564B1 (ko) 2018-04-16 2018-04-16 온라인 또는 오프라인 결제 시 결제금액을 사용자가 직접 입력하고 금융기관에서 생성되는 일회성 결제 보안코드를 사용자가 받아 결제함으로써 개인정보 유출, 중복결제, 초과결제 또는 결제오류를 방지하는 모바일 페이먼트 서비스 방법 및 시스템
KR10-2018-0043844 2018-04-16

Publications (1)

Publication Number Publication Date
WO2019203384A1 true WO2019203384A1 (fr) 2019-10-24

Family

ID=68240125

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2018/005031 WO2019203384A1 (fr) 2018-04-16 2018-04-30 Procédé et système de service de paiement mobile permettant d'empêcher une fuite d'informations personnelles, un double paiement, un surpaiement ou une erreur de paiement, en permettant à un utilisateur d'entrer directement un montant de paiement, de recevoir un code de sécurité de paiement à usage unique généré par une institution financière et d'effectuer un paiement au moment de la réalisation d'un paiement en ligne ou hors ligne

Country Status (2)

Country Link
KR (1) KR102082564B1 (fr)
WO (1) WO2019203384A1 (fr)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102359006B1 (ko) * 2019-12-18 2022-02-07 정재웅 네트워크 없이 검증 및 동작의 허가가 가능한 무인 장치의 요금 결제 시스템 및 결제 방법
KR20210132387A (ko) * 2020-04-27 2021-11-04 박희영 컬러픽셀코드 기반의 일회성 결제보안코드를 이용한 결제 방법
KR102301153B1 (ko) * 2020-10-08 2021-09-14 머지플러스 주식회사 온라인 구독을 통해 오프라인 가맹점에서 할인을 적용한 결제를 수행하는 방법 및 상기 방법을 수행하기 위한 컴퓨터 프로그램
KR102455414B1 (ko) 2022-02-04 2022-10-19 주식회사 유니코아 온라인 결제 서비스 제공 방법 및 시스템

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2009080594A (ja) * 2007-09-26 2009-04-16 Hitachi Ltd 個人情報収集システム
KR101139288B1 (ko) * 2008-11-21 2012-04-26 한국정보통신주식회사 무선 복합 결제처리 방법과 판매자 무선단말
KR20140011795A (ko) * 2012-07-19 2014-01-29 서울신용평가정보 주식회사 주민번호의 수집 없는 회원가입, 인증 및 결제 방법
KR20150011933A (ko) * 2013-07-24 2015-02-03 백기영 가맹점 코드를 이용한 결제시스템
KR101815236B1 (ko) * 2016-08-30 2018-01-05 주식회사 엔비레즈 원타임 바코드를 이용한 결제 시스템

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100376959B1 (ko) 2001-04-23 2003-03-26 주식회사 시큐베이 모바일 단말기의 ｌｃｄ 바코드를 이용한 전자결제시스템, 그 전자 결제 방법 및 현금지급 방법
KR101207950B1 (ko) * 2011-03-25 2012-12-04 한국정보통신주식회사 카드 결제 수행 장치 및 방법
KR20150012613A (ko) * 2013-07-25 2015-02-04 티스트림 주식회사 일회용카드 발급 시스템 및 그 방법
KR102460459B1 (ko) * 2015-02-27 2022-10-28 삼성전자주식회사 전자 장치를 이용한 카드 서비스 방법 및 장치
KR20160148960A (ko) * 2015-06-17 2016-12-27 엘지전자 주식회사 이동 단말기 및 그 제어방법

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2009080594A (ja) * 2007-09-26 2009-04-16 Hitachi Ltd 個人情報収集システム
KR101139288B1 (ko) * 2008-11-21 2012-04-26 한국정보통신주식회사 무선 복합 결제처리 방법과 판매자 무선단말
KR20140011795A (ko) * 2012-07-19 2014-01-29 서울신용평가정보 주식회사 주민번호의 수집 없는 회원가입, 인증 및 결제 방법
KR20150011933A (ko) * 2013-07-24 2015-02-03 백기영 가맹점 코드를 이용한 결제시스템
KR101815236B1 (ko) * 2016-08-30 2018-01-05 주식회사 엔비레즈 원타임 바코드를 이용한 결제 시스템

Also Published As

Publication number Publication date
KR20190120533A (ko) 2019-10-24
KR102082564B1 (ko) 2020-04-23

Similar Documents

Publication Publication Date Title
WO2019203384A1 (fr) Procédé et système de service de paiement mobile permettant d'empêcher une fuite d'informations personnelles, un double paiement, un surpaiement ou une erreur de paiement, en permettant à un utilisateur d'entrer directement un montant de paiement, de recevoir un code de sécurité de paiement à usage unique généré par une institution financière et d'effectuer un paiement au moment de la réalisation d'un paiement en ligne ou hors ligne
WO2014119963A1 (fr) Système de paiement instantané et procédé d'utilisation de code qr
WO2016153159A1 (fr) Système de traitement de paiement utilisant des informations de paiement chiffrées, et procédé associé
WO2016122035A1 (fr) Système de paiement par carte et procédé de paiement pour permettre la confirmation d'une pré-transation
WO2011021868A2 (fr) Système de transaction de compte/carte mobile et procédé de transaction qui fait appel à celui-ci
EP2690840B1 (fr) Appareil et procédé d'interaction d'informations de sécurité basée sur l'internet
GB2546740A (en) Electronic payment system and method
WO2014092286A1 (fr) Procédé pour prendre en charge un paiement pour un commerce hors ligne, et système et dispositif associés
WO2017209513A1 (fr) Procédé de paiement mobile et dispositif associé
WO2019031717A1 (fr) Système de paiement basé sur un réseau de communication inter-magasin, terminal portable comprenant une fonction de paiement basée sur un réseau de communication inter-magasin, procédé permettant de fournir un service de paiement basé sur un réseau de communication inter-magasin, et programme le réalisant
WO2016030862A1 (fr) Système et procédé pour paiements électroniques
WO2017048005A1 (fr) Système de traitement bancaire électronique utilisant un guichet automatique personnel et procédé de traitement associé
WO2013187557A1 (fr) Système de paiement hors ligne, dispositif de paiement hors ligne et procédé de paiement hors ligne
WO2017188747A1 (fr) Système de fourniture de transaction financière de pré-approbation et procédé associé
WO2016047923A1 (fr) Système de service de paiement international et son procédé de service de paiement international
US11551220B2 (en) Method for processing transaction data, corresponding communications terminal, card reader and program
US20200090139A1 (en) Voucher verification auxiliary device, voucher verification auxiliary system, and voucher verification auxiliary method
KR20200024014A (ko) 상점 인증기를 포함하는 안전한 모바일 결제 방법 및 시스템
WO2004112275A1 (fr) Systeme de facturation electronique utilisant un signal clignotant de panneau d'affichage de terminal de communication mobile et procede associe
WO2012115341A2 (fr) Système de paiement sécurisé utilisant un téléphone mobile et procédé de paiement l'utilisant
WO2011155775A2 (fr) Procédé de service de carte mobile et terminal mobile pour mettre en œuvre le procédé
WO2021080304A1 (fr) Dispositif et système d'interface de paiement
KR100501164B1 (ko) 스마트 카드가 내장된 이동통신 단말기를 이용한인증/결제 시스템 및 방법
US9799170B2 (en) Method and system for providing alternative usages of closed lottery networks
KR20140114511A (ko) 금융 거래 방법 및 장치

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 18915577

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 18915577

Country of ref document: EP

Kind code of ref document: A1

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205A DATED 16/04/2021)

122 Ep: pct application non-entry in european phase

Ref document number: 18915577

Country of ref document: EP

Kind code of ref document: A1