WO2021167154A1 - 모바일 단말기를 이용한 결제정보 전달 시스템 및 이를 이용한 결제정보 전달 방법 - Google Patents
모바일 단말기를 이용한 결제정보 전달 시스템 및 이를 이용한 결제정보 전달 방법 Download PDFInfo
- Publication number
- WO2021167154A1 WO2021167154A1 PCT/KR2020/003803 KR2020003803W WO2021167154A1 WO 2021167154 A1 WO2021167154 A1 WO 2021167154A1 KR 2020003803 W KR2020003803 W KR 2020003803W WO 2021167154 A1 WO2021167154 A1 WO 2021167154A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- payment
- information delivery
- payment information
- terminal
- mobile
- Prior art date
Links
- 238000000034 method Methods 0.000 title claims abstract description 33
- 238000012546 transfer Methods 0.000 title abstract description 9
- 238000002716 delivery method Methods 0.000 claims description 13
- 230000005540 biological transmission Effects 0.000 description 8
- 230000006870 function Effects 0.000 description 6
- 238000004891 communication Methods 0.000 description 5
- 238000010586 diagram Methods 0.000 description 4
- 230000000694 effects Effects 0.000 description 3
- 238000012545 processing Methods 0.000 description 2
- 230000001413 cellular effect Effects 0.000 description 1
- 230000001747 exhibiting effect Effects 0.000 description 1
- 230000004044 response Effects 0.000 description 1
- 238000012795 verification Methods 0.000 description 1
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
- G06Q20/38—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
- G06Q20/30—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
- G06Q20/327—Short range or proximity payments by means of 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
- G06Q20/322—Aspects of commerce using mobile devices [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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
-
- 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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
-
- 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
- G06Q20/30—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
- G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
-
- 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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
-
- 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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- 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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/352—Contactless payments by cards
-
- 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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/01—Details for indicating
- G07G1/06—Details for indicating with provision for the noting of the money to be paid
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
- G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/14—Session management
- H04L67/146—Markers for unambiguous identification of a particular session, e.g. session cookie or URL-encoding
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/06009—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking
- G06K19/06037—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking multi-dimensional coding
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
- G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
- G06K7/10297—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
- H04W88/02—Terminal devices
Definitions
- the present invention relates to a payment information delivery system using a mobile terminal and a payment information delivery method using the same. And it relates to a payment information delivery method using the same.
- a personal communication terminal such as smartphones have been widely used.
- a personal communication terminal such as a smart phone has been developed to perform not only the function of a telephone for communicating with a counterpart, but also an Internet connection, multimedia appreciation, and even a payment function.
- various payment providers are not only providing payment methods in online shopping malls, but are also entering the payment business of offline stores using smartphones, which has led to the emergence of various payment methods for each payment service provider.
- payment information stored in the smartphone must be transmitted to a seller terminal such as POS (Point Of Sales).
- POS Point Of Sales
- the interface for transmitting payment information stored in the smartphone to the POS is unified.
- payment information is transmitted through a unique interface device for each payment service provider.
- some payment providers provide their own NFC readers to read payment information from smartphones, while some payment providers provide the MST (Magnetic Secure Transmission) method to use the existing magnetic card infrastructure as it is. .
- some payment providers provide a method of reading the QR code displayed on the consumer's smartphone with a reader, other payment providers provide a method of reading the barcode displayed on the consumer's smartphone, and some payment providers The methods are sometimes mixed.
- each payment provider independently builds an interface for communicating with a smartphone, increasing confusion and inconvenience to consumers, which is a major obstacle to the growth of the payment market using a smartphone.
- An object of the present invention is to provide a payment information delivery system and a payment information delivery method that transfer payment information stored in a consumer terminal to a seller's terminal to make a payment regardless of a payment method of a payment service provider.
- a payment information delivery method using a mobile terminal according to the present invention for solving the above technical problem includes the steps of receiving information necessary for payment from a mobile terminal, generating a payment information delivery message using the information necessary for the payment, and and transmitting the payment information delivery message to the seller terminal.
- the payment information delivery system using a mobile terminal for solving the above technical problem includes a seller terminal ID storage unit, seller terminal ID information obtained from the seller terminal ID storage unit, and a mobile payment card number a payment information delivery server that generates a payment information delivery message for transmitting a user terminal that transmits a payment request message to and a seller terminal for transmitting the mobile card card number of the payment information delivery message received from the information delivery server to the payment authentication server.
- the present invention has an effect of allowing payment to be processed through a unified payment system, despite the payment methods of various payment providers.
- FIG. 1 shows an embodiment of a process for downloading a payment application in the present invention.
- Figure 2 shows an embodiment of the process of obtaining a card number for mobile payment in the present invention.
- FIG 3 shows an embodiment of a payment system according to the present invention.
- 4 to 5 are diagrams illustrating a process in which payment information delivery software executes payment information delivery according to a payment information delivery message in a POS system, according to an embodiment of the present invention.
- FIG. 6 is a signal processing diagram according to an embodiment of the present invention.
- the payment information delivery system preferably includes a terminal ID storage unit, a smartphone, a payment information delivery server, a seller terminal, a payment authentication server, and a payment approval server.
- the smartphone acquires the seller terminal ID from the terminal ID storage unit, transmits the obtained terminal ID information together with the payment information to the payment information delivery server, and transfers the payment information
- the server transmits the payment information to the payment information delivery server.
- FIG. 1 shows a process of downloading a payment application in the present invention.
- the payment service provider develops a payment application having a smartphone payment function and uploads it to the application server.
- the payment application to be uploaded has payment provider identifier information and payment information transmission execution file.
- the payment service provider accesses the application server to update the payment application.
- the payment application to be updated has the payment provider identifier information and the payment information transmission execution file.
- the payment information transmission execution file may be configured in a library format in a smartphone application.
- the consumer may access the application server through his/her smartphone to download and install a payment application having the payment provider identifier information and the payment information transmission execution file.
- the payment application is updated so that the payment application has the payment provider identifier information and the payment information transmission execution file.
- Figure 2 shows a process of obtaining a card number for mobile payment in the present invention.
- the user smartphone 13 when the user drives the payment application on the smartphone 13 and performs user authentication, the user smartphone 13 includes the card ID together with authentication information in the payment authentication server 17 . Sends a request message to create a card number for mobile payment.
- the card ID is generated to correspond to the user's actual card number in the process of registering card information to be used in the future through the payment application.
- the generated card ID is stored in the user's smartphone payment application and payment authentication server 17 .
- the payment authentication server 17 uses the authentication information transmitted from the user's smartphone 13 to authenticate whether the user who requested the creation of a card number for mobile payment is a legitimate user, and the card received from the user's smartphone 13 Check whether the ID matches the card ID created during registration.
- the payment authentication server 17 When authentication and card ID verification are completed, the payment authentication server 17 generates and stores a mobile payment card number corresponding to the card ID received from the user's smartphone 13 . Then, the mobile payment card number generated by the payment authentication server 17 is transmitted to the user smart phone (13).
- the payment authentication server 17 determines whether the mobile payment card number transmitted from the user's smartphone 13 matches the mobile payment card number transmitted from the merchant terminal 16 . If matching is confirmed, the payment authentication server 17 transmits the actual card number corresponding to the received card number for mobile payment to the payment approval server 18 .
- the mobile payment card number can be generated by changing only the remaining 10 digits while leaving 6 numbers in the actual card number consisting of 16 numbers, and the generated mobile payment card number corresponds to the actual card number and card ID. It is stored in the payment authentication server 17 as much as possible. Since the mobile payment card number corresponds to the actual card number and card ID and can be generated for each transaction, a plurality of mobile payment card numbers corresponding to one actual card number and card ID are stored in the payment authentication server 17. If the future transaction is canceled, the transaction corresponding to the mobile payment card number will be canceled.
- the card number for mobile payment may be generated by adding a separate identification code indicating that it is a card number for mobile payment to the rear digit of the card number consisting of 16 numbers.
- Table 1 shows a method in which the card number for mobile payment is stored in the payment authentication server 17 .
- a user may register a card to be used for future payment in the payment authentication server 17 using a payment application, and when the user registers his/her card in the payment authentication server 17 using a payment application of a smartphone , as shown in Table 1, a card ID corresponding to the actual card number is generated and stored.
- a plurality of card numbers can be registered for one user, and a card number for mobile payment can be generated for every payment, so one real card
- a plurality of mobile payment card numbers corresponding to the number may be generated and stored.
- FIG 3 shows an embodiment of a payment system according to the present invention.
- the payment system includes a seller terminal ID storage unit 14 , a smartphone 13 , a payment information delivery server 15 , a seller terminal 16 , and payment authentication. It is made including a server 17 and a payment approval server 18 .
- the seller terminal ID storage unit 14 is a device in which identifier information (ID) individually assigned to each seller terminal 16 is stored, and is a device that provides information for determining whether a transaction corresponds to which seller terminal. .
- ID identifier information
- the seller terminal 16 generally corresponds to a point of sale (POS) installed in an offline store.
- POS point of sale
- the seller terminal ID storage unit 14 is for providing the seller terminal ID, it may be a simple barcode or QR code that can store the seller terminal ID, and provides the seller terminal ID information by a near field communication method. It may be an NFC tag in the form of a pad or a sticker that can do this. Furthermore, various methods that can provide a seller terminal ID through communication with a smartphone, scanning or reading may be applied, but for convenience of use, it is preferable that the NFC tag is an NFC tag.
- the seller terminal ID storage unit 14 stores the seller terminal ID information for identifying the seller terminal 16 and only performs a function of providing it to the smart phone 13, and provides any information to the seller terminal 16. direction, the seller terminal ID storage unit 14 does not necessarily need to be connected to the seller terminal 16 in a wired or wireless manner.
- the mobile payment card number is transmitted from the payment authentication server 17 to the smartphone.
- the consumer obtains the seller terminal ID information from the seller terminal ID storage unit 14 using his/her smartphone 13 .
- the seller terminal ID storage unit 14 is in the NFC format
- the user can obtain the seller terminal ID information by tagging his/her smartphone 13 to the seller terminal ID storage unit 14 .
- the payment service provider application driven in the consumer's smartphone 13 sends a payment request message including seller terminal ID information, payment service provider identifier information, and mobile payment card number through a wireless network. It is transmitted to the payment information delivery server 15 .
- the wireless network may be a cellular network or a Wi-Fi network, or may be another network to which the other smart phone 13 can wirelessly access.
- the payment information delivery server 15 When the payment information delivery server 15 receives payment service provider identifier information through the payment request message, it generates a payment information delivery message by using it.
- the payment information delivery message has a card number for mobile payment transmitted from the user's smartphone.
- the payment information delivery message has an execution history of an operation to be executed by the payment information delivery software 19 provided in the seller terminal 16 .
- the payment information delivery software 19 means software provided in the seller terminal 16 to execute the execution details included in the payment information delivery message and deliver payment information such as a mobile payment card number to the payment authentication server. .
- the seller terminal 16 is provided with individual software for transmitting payment information to the payment authentication server 17 in a predetermined manner according to the payment service provider. There was a problem.
- the payment information delivery software 19 provided in the seller terminal 16 of the present invention operates to deliver payment information according to the payment information delivery message received from the payment information delivery server 15, and the payment information delivery message is generated by reflecting the payment information delivery method according to the payment service providers, so it is possible to accurately deliver payment information in response to various payment service providers individually.
- the payment information delivery server 15 is the user of the various payment providers. Since a payment information delivery message is generated to transmit payment information according to an interface, payment information can be adaptively transmitted according to payment providers.
- the payment information delivery server 15 When the payment information delivery server 15 recognizes that the payment operator is "Business A” through the payment operator identifier information, the payment information delivery server 15 sends the payment information delivery software 19 in the seller terminal 16 " It is possible to generate a payment information delivery message that pops up the payment window of "operator A” and instructs to input the card number for mobile payment in the card number input position of the pop-up window.
- the payment information delivery server 15 recognizes that the payment provider is “business B” through the payment settlement provider identifier information
- the payment information delivery software 19 of the seller terminal 16 sends the “business B” payment window card
- a payment information delivery message instructing to input the card number for mobile payment in the number input position may be generated.
- Execution details included in the payment information delivery message are determined to correspond to the payment information delivery method of each payment service provider, and may be stored in advance in the payment information delivery server 15 .
- Table 2 shows an example of execution details corresponding to payment providers according to the present invention.
- Payment Provider Identifier Execution history Payment Provider #1 Pop-up payment page and enter card number for mobile payment Payment Provider #2 Enter the card number for mobile payment at the cursor position in the payment window Payment Provider #3 Pop up the payment page and move the cursor to the left end and enter the card number for payment
- the payment information delivery server 15 generates a payment information delivery message including the execution details and the mobile payment card number as shown in Table 2 and transmits the generated payment information delivery message to the seller terminal 16 . In this case, whether to transmit the payment information delivery message to which seller terminal 16 is determined by the seller terminal ID information received from the user's smartphone 13 .
- the seller terminal 16 executes the execution details of the payment information delivery message received from the payment information delivery server 15, such as the display of the user interface window corresponding to the payment provider, and the input of the mobile payment card number in a specific location of the window.
- a possible payment information delivery software 19 is pre-installed.
- the payment information delivery software 19 may be installed by a seller downloading and installing it through a network to which the POS system is connected, or by copying a file from a storage device such as a flash memory and executing it.
- the payment information delivery software 19 is preferably an agent program connected to the payment information delivery server 15 by a link.
- the payment information delivery software 19 may also function as a virtual input device capable of exhibiting the same effect as pressing a specific keyboard in executing the execution details included in the payment information delivery mesh.
- the agent program Since the agent program is connected to the payment information delivery server 15 by a link, when an update is required, it can be updated through communication with the payment information delivery server 15 .
- 4 to 5 are diagrams illustrating a process in which payment information delivery software transmits payment information from a POS terminal according to an embodiment of the present invention.
- the payment information delivery software sends the payment information to the payment service provider according to the execution details included in the received payment information delivery message. Activate the corresponding pop-up window.
- the payment information delivery software of the seller terminal 16 delivers the mobile payment card number to the cursor position of the pop-up window according to the execution details included in the payment information delivery message.
- the payment authentication server 17 receives the mobile payment card number from the merchant terminal 16 . and check whether the mobile payment card number generated by the payment authentication server 17 and transmitted to the consumer's smartphone 13 matches.
- the payment authentication server 17 transmits the actual card number information corresponding to the corresponding mobile payment card number to the payment approval server 18, and the payment process is completed.
- FIG. 6 is a signal processing diagram according to an embodiment of the present invention.
- the consumer's smartphone 13 transmits an application download request to the application server in order to download the application of the payment service provider (S601), and a mobile including payment service provider identifier information and payment information transmission execution file Download the payment application (S602) and install it (S603).
- the payment application of the smartphone 13 is a mobile payment card including user authentication information and card ID in the payment authentication server 17 A number generation request message is transmitted (S605).
- the payment authentication server 17 receiving the mobile payment card number generation request message performs user authentication (S606), generates and stores a mobile payment card number corresponding to the received card ID (S607), and the generated The mobile payment card number is transmitted to the consumer smart phone 13 (S608).
- the consumer's smart phone 13 When the consumer's smart phone 13 receives the mobile payment card number from the payment authentication server 17 (S608), the consumer uses the smart phone 13 to obtain the seller terminal ID information from the seller terminal ID storage unit 14 is obtained (S610).
- the step of receiving the card number for mobile payment (S608) and the step of obtaining the seller terminal ID information (S610) are mutually independent steps, after obtaining the seller terminal ID information (S610), the card number for mobile payment may be received (S608) have.
- the payment application installed in the consumer's smartphone 13 transmits a payment request message including seller terminal ID information, mobile payment card number and payment provider identifier information to the payment information delivery server 15 (S611).
- the payment information delivery server 15 generates a payment information delivery message for accurately delivering the mobile payment card number to the payment information delivery software 19 based on the payment provider identifier information included in the payment request message (S612).
- the payment information delivery server 15 determines to which merchant terminal the payment information delivery message should be transmitted using the merchant terminal ID information included in the payment request message (S613), and the merchant terminal 16 corresponding to the merchant terminal ID (S613). ) to transmit a payment information delivery message (S614).
- the payment information transfer software 19 activates a payment window corresponding to the payment service provider installed in the seller terminal 16 and is located at a predetermined location. An operation is performed according to the execution details of the payment information delivery message, such as inputting a card number for mobile payment (S615)
- the seller terminal 16 transmits the input card number for mobile payment to the payment authentication server 17 (S616), and the payment authentication server 17 receives the mobile payment card number and payment authentication from the seller terminal 17
- the mobile payment card number generated by the server 17 and transmitted to the consumer smart phone 13 is compared and if they match, it is determined as a normal transaction (S617).
- the payment authentication server 17 confirms that the transaction is normal, the actual card number corresponding to the card number for mobile payment is transmitted to the payment approval server 18 so that the payment procedure is completed.
- the present invention can be applied to a payment system using a mobile terminal.
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Signal Processing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Information Transfer Between Computers (AREA)
- Telephonic Communication Services (AREA)
- Cash Registers Or Receiving Machines (AREA)
- Mobile Radio Communication Systems (AREA)
Abstract
Description
사용자1 | 실제카드번호 #1 | 카드ID #1 | 모바일 결제용 카드번호#1 |
모바일 결제용 카드번호#2 | |||
모바일 결제용 카드번호#3 | |||
모바일 결제용 카드번호#4 | |||
실제카드번호 #2 | 카드ID #2 | 모바일 결제용 카드번호#1 | |
모바일 결제용 카드번호#2 | |||
사용자2 | 실제카드번호 #1 | 카드ID #1 | 모바일 결제용 카드번호#1 |
모바일 결제용 카드번호#2 |
결제사업자 식별자 | 실행 내역 |
결제사업자 #1 | 결제 페이지 팝업 and 모바일 결제용 카드번호 입력 |
결제사업자 #2 | 결제 창의 커서 위치에서 모바일 결제용 카드번호 입력 |
결제사업자 #3 | 결제 페이지 팝업 and 커서 위치를 좌측 끝으로 이동 후 결제용 카드번호 입력 |
Claims (8)
- 모바일 단말기로부터 결제에 필요한 정보를 수신하는 단계;상기 결제에 필요한 정보를 이용하여 결제정보 전달 메시지를 생성하는 단계 및상기 결제정보 전달 메시지를 판매자 단말에 전송하는 단계를 포함하여 이루어지는 모바일 단말기를 이용한 결제정보 전달 방법
- 제1항에 있어서,상기 결제에 필요한 정보는 판매자 단말ID 정보 및 모바일 결제용 카드번호를 포함하는 것을 특징으로 하는 모바일 단말기를 이용한 결제정보 전달 방법
- 제2항에 있어서,상기 판매자 단말은 상기 판매자 단말ID 정보에 상응하는 판매자 단말인 것을 특징으로 하는 결제정보 전달 방법
- 제2항에 있어서,상기 결제에 필요한 정보는 결제사업자 정보를 더 포함하는 것을 특징으로 하는 결제정보 전달 방법
- 제2항에 있어서,상기 결제정보 전달 메시지는 판매자 단말의 결제정보전달 소프트웨어에 의해 실행되는 실행 내역을 가지는 것을 특징으로 하는 결제정보 전달 방법
- 판매자 단말ID 저장부;상기 판매자 단말ID 저장부로부터 획득한 판매자 단말ID 정보 및 모바일 결제용 카드번호를 포함하는 결제요청 메시지를 전송하는 사용자 단말;상기 사용자 단말로부터 수신한 모바일 결제용 카드번호를 상기 판매자 단말ID에 대응하는 판매자 단말에 전송하기 위한 결제정보 전달 메시지를 생성하는 결제정보 전달 서버; 및상기 결제정보 전달 서버로부터 수신한 결제정보 전달 메시지의 모바일 카드용 카드번호를 결제 인증 서버에 전송하는 판매자 단말을 포함하여 이루어지는 모바일 단말기를 이용한 결제정보 전달 시스템
- 제6항에 있어서,상기 결제요청 메시지는 결제 사업자 정보를 더 포함하는 것을 특징으로 하는 결제정보 전달 시스템
- 제7항에 있어서,상기 결제정보 전달 메시지는 상기 모바일 결제용 카드번호 및 상기 판매자 단말에서 상기 결제 사업자 정보에 따라 실행해야 할 동작 내역에 관한 정보를 가지는 것을 특징으로 하는 결제정보 전달 시스템
Priority Applications (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CA3158998A CA3158998A1 (en) | 2020-02-19 | 2020-03-19 | Payment information transfer system using mobile terminal and payment information transfer method using same |
EP20920366.0A EP4109370A4 (en) | 2020-02-19 | 2020-03-19 | SYSTEM FOR TRANSFERRING PAYMENT INFORMATION USING A MOBILE TERMINAL AND METHOD FOR TRANSFERRING PAYMENT INFORMATION USING SAME |
BR112022016318A BR112022016318A2 (pt) | 2020-02-19 | 2020-03-19 | Método e sistema para transmitir informações de pagamento usando um terminal móvel |
AU2020430633A AU2020430633A1 (en) | 2020-02-19 | 2020-03-19 | Payment information transfer system using mobile terminal and payment information transfer method using same |
ZA2022/09287A ZA202209287B (en) | 2020-02-19 | 2022-08-18 | Payment information transfer system using mobile terminal and payment information transfer method using same |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020200020635A KR102651317B1 (ko) | 2020-02-19 | 2020-02-19 | 모바일 단말기를 이용한 결제정보 전달 시스템 및 이를 이용한 결제정보 전달 방법 |
KR10-2020-0020635 | 2020-02-19 |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2021167154A1 true WO2021167154A1 (ko) | 2021-08-26 |
Family
ID=77272889
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/KR2020/003803 WO2021167154A1 (ko) | 2020-02-19 | 2020-03-19 | 모바일 단말기를 이용한 결제정보 전달 시스템 및 이를 이용한 결제정보 전달 방법 |
PCT/KR2021/002088 WO2021167382A1 (en) | 2020-02-19 | 2021-02-18 | System and method for transmitting information using mobile terminal |
Family Applications After (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/KR2021/002088 WO2021167382A1 (en) | 2020-02-19 | 2021-02-18 | System and method for transmitting information using mobile terminal |
Country Status (13)
Country | Link |
---|---|
US (3) | US11282044B2 (ko) |
EP (2) | EP4109370A4 (ko) |
JP (2) | JP2021131844A (ko) |
KR (2) | KR102651317B1 (ko) |
CN (2) | CN113283897A (ko) |
AR (1) | AR121366A1 (ko) |
AU (2) | AU2020430633A1 (ko) |
BR (2) | BR112022016318A2 (ko) |
CA (2) | CA3158998A1 (ko) |
SG (1) | SG11202111625PA (ko) |
TW (1) | TW202139095A (ko) |
WO (2) | WO2021167154A1 (ko) |
ZA (1) | ZA202209287B (ko) |
Families Citing this family (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
TR202003100A1 (tr) * | 2020-02-28 | 2021-09-21 | Istanbul Teknik Ueniversitesi Bilimsel Ararstirma Proje Birim | Güvenli̇ e-ti̇caret protokolü tasarim ve algori̇tma geli̇şti̇ri̇lmesi̇ |
Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20120078789A1 (en) * | 2010-09-29 | 2012-03-29 | Ebay Inc. | Offline to online payment |
KR20140071607A (ko) * | 2012-12-04 | 2014-06-12 | 중소기업은행 | 스마트폰을 이용한 신용카드 결제 서비스 방법 |
KR20170022303A (ko) * | 2015-08-20 | 2017-03-02 | 김종각 | 블루투스 통신을 이용한 비접촉식 모바일 결제 디바이스, 상기 모바일 결제 디바이스의 결제데이터 처리방법, 및 사용자 단말에서의 결제데이터 처리방법 |
KR20170099340A (ko) * | 2016-02-23 | 2017-08-31 | 최건 | 온라인과 오프라인 구매 결제 처리 시스템 및 그 처리 방법 |
Family Cites Families (14)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8352323B2 (en) * | 2007-11-30 | 2013-01-08 | Blaze Mobile, Inc. | Conducting an online payment transaction using an NFC enabled mobile communication device |
US9275387B1 (en) * | 2011-08-16 | 2016-03-01 | Jpmogan Chase Bank, N.A. | Systems and methods for processing transactions using a wallet |
US20130246259A1 (en) * | 2012-03-15 | 2013-09-19 | Firethorn Mobile, Inc. | System and method for managing payment in transactions with a pcd |
US10311428B2 (en) * | 2012-05-24 | 2019-06-04 | Google Llc | Systems, methods, and computer program products for providing a contactless protocol |
BR112015003921A2 (pt) | 2012-08-24 | 2017-08-08 | Samsung Electronics Co Ltd | método para adquirir e processar informações em um material móvel, e terminal móvel |
US10789585B2 (en) * | 2012-09-11 | 2020-09-29 | First Data Corporation | Systems and methods for facilitating remote authorization and payment of goods via mobile commerce |
US20160012465A1 (en) * | 2014-02-08 | 2016-01-14 | Jeffrey A. Sharp | System and method for distributing, receiving, and using funds or credits and apparatus thereof |
KR102285171B1 (ko) * | 2014-03-20 | 2021-08-02 | 에스케이플래닛 주식회사 | 비콘을 이용한 결제 방법, 이를 위한 시스템 및 장치 |
KR20150138868A (ko) * | 2014-05-29 | 2015-12-11 | 한국정보통신주식회사 | 거래 정보 제공 방법, 그를 이용한 서버 장치 및 시스템 |
KR101718789B1 (ko) * | 2015-05-12 | 2017-04-04 | 김종각 | 블루투스 통신을 이용한 비접촉식 모바일 결제 디바이스를 포함하는 모바일 결제 시스템 및 이를 이용한 모바일 결제데이터 처리방법 |
KR20170134162A (ko) * | 2016-05-27 | 2017-12-06 | 우지연 | 결제 시스템, 결제 방법, 그리고 결제 프로그램 |
KR102008206B1 (ko) * | 2016-07-20 | 2019-08-07 | 코나아이 (주) | 카드 거래 서비스를 관리하는 서버, 방법 및 시스템 |
US10817863B1 (en) * | 2019-04-11 | 2020-10-27 | IQMetrix Software Development Corporation | Facilitating location-based sales venue transaction payments using non-location-based identity targets |
US10990947B2 (en) * | 2019-09-16 | 2021-04-27 | The Toronto-Dominion Bank | Point-of-sale device and method for generating a discounted authorization request |
-
2020
- 2020-02-19 KR KR1020200020635A patent/KR102651317B1/ko active IP Right Grant
- 2020-03-19 CA CA3158998A patent/CA3158998A1/en active Pending
- 2020-03-19 BR BR112022016318A patent/BR112022016318A2/pt unknown
- 2020-03-19 WO PCT/KR2020/003803 patent/WO2021167154A1/ko active Application Filing
- 2020-03-19 AU AU2020430633A patent/AU2020430633A1/en active Pending
- 2020-03-19 EP EP20920366.0A patent/EP4109370A4/en active Pending
- 2020-11-17 CN CN202011284802.1A patent/CN113283897A/zh active Pending
- 2020-11-18 JP JP2020191469A patent/JP2021131844A/ja active Pending
- 2020-11-20 US US16/953,357 patent/US11282044B2/en active Active
-
2021
- 2021-02-18 BR BR112021023314A patent/BR112021023314A2/pt unknown
- 2021-02-18 AR ARP210100420A patent/AR121366A1/es unknown
- 2021-02-18 US US17/289,232 patent/US20220318781A1/en active Pending
- 2021-02-18 AU AU2021222844A patent/AU2021222844B2/en active Active
- 2021-02-18 CN CN202180001337.2A patent/CN113557542A/zh active Pending
- 2021-02-18 EP EP21720383.5A patent/EP3899843A4/en active Pending
- 2021-02-18 JP JP2021532501A patent/JP7350368B2/ja active Active
- 2021-02-18 CA CA3132961A patent/CA3132961A1/en active Pending
- 2021-02-18 SG SG11202111625PA patent/SG11202111625PA/en unknown
- 2021-02-18 WO PCT/KR2021/002088 patent/WO2021167382A1/en active Application Filing
- 2021-02-19 TW TW110105688A patent/TW202139095A/zh unknown
-
2022
- 2022-03-17 US US17/696,884 patent/US11593770B2/en active Active
- 2022-08-18 ZA ZA2022/09287A patent/ZA202209287B/en unknown
-
2024
- 2024-03-21 KR KR1020240038874A patent/KR20240040710A/ko not_active Application Discontinuation
Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20120078789A1 (en) * | 2010-09-29 | 2012-03-29 | Ebay Inc. | Offline to online payment |
KR20140071607A (ko) * | 2012-12-04 | 2014-06-12 | 중소기업은행 | 스마트폰을 이용한 신용카드 결제 서비스 방법 |
KR20170022303A (ko) * | 2015-08-20 | 2017-03-02 | 김종각 | 블루투스 통신을 이용한 비접촉식 모바일 결제 디바이스, 상기 모바일 결제 디바이스의 결제데이터 처리방법, 및 사용자 단말에서의 결제데이터 처리방법 |
KR20170099340A (ko) * | 2016-02-23 | 2017-08-31 | 최건 | 온라인과 오프라인 구매 결제 처리 시스템 및 그 처리 방법 |
Non-Patent Citations (2)
Title |
---|
GOLD SURVEY STATION: "Geum Economist. AppCard? You Can Even Pay with Only a Cell Phone???", 29 October 2015 (2015-10-29), pages 1 - 9, XP009529940, Retrieved from the Internet <URL:https://m.blog.naver.com/PostView.naver?isHttpsRedirect=true&blogId=fss2009&logNo=220521228970> * |
See also references of EP4109370A4 * |
Also Published As
Publication number | Publication date |
---|---|
US11282044B2 (en) | 2022-03-22 |
TW202139095A (zh) | 2021-10-16 |
SG11202111625PA (en) | 2021-11-29 |
KR20240040710A (ko) | 2024-03-28 |
KR20210105754A (ko) | 2021-08-27 |
AU2021222844A1 (en) | 2021-10-28 |
CA3158998A1 (en) | 2021-08-26 |
US11593770B2 (en) | 2023-02-28 |
AU2020430633A1 (en) | 2022-06-23 |
EP4109370A4 (en) | 2023-11-15 |
CN113283897A (zh) | 2021-08-20 |
US20210256484A1 (en) | 2021-08-19 |
AR121366A1 (es) | 2022-06-01 |
JP2021131844A (ja) | 2021-09-09 |
JP7350368B2 (ja) | 2023-09-26 |
US20220207498A1 (en) | 2022-06-30 |
CA3132961A1 (en) | 2021-08-26 |
JP2022524474A (ja) | 2022-05-06 |
US20220318781A1 (en) | 2022-10-06 |
EP3899843A1 (en) | 2021-10-27 |
BR112022016318A2 (pt) | 2022-10-04 |
KR102651317B1 (ko) | 2024-03-26 |
AU2021222844B2 (en) | 2023-03-16 |
BR112021023314A2 (pt) | 2022-08-30 |
WO2021167382A1 (en) | 2021-08-26 |
CN113557542A (zh) | 2021-10-26 |
EP3899843A4 (en) | 2022-08-03 |
ZA202209287B (en) | 2023-05-31 |
EP4109370A1 (en) | 2022-12-28 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
WO2013176474A1 (ko) | 이동통신 단말기를 결제 단말기로 사용하기 위한 애플리케이션, 애플리케이션 서비스 프로바이더 시스템 및 방법 | |
JP2017102886A (ja) | 決済支援システム、決済支援方法、及び決済支援プログラム | |
WO2017209513A1 (ko) | 모바일 결제 방법 및 그 장치 | |
KR20240040710A (ko) | 모바일 단말기를 이용한 결제정보 전달 시스템 및 이를 이용한 결제정보 전달 방법 | |
WO2013187557A1 (ko) | 오프라인 결제 시스템, 장치 및 방법 | |
WO2013147484A1 (ko) | 대기표 운용 시스템 및 그 운용방법 | |
WO2019013462A1 (ko) | 2차원 코드를 기초로 개인정보의 자동 입력이 가능한 결제 대행 처리 장치 및 그 동작 방법 | |
WO2019059582A1 (ko) | 멀티 카드 및 이를 이용한 결제 방법 | |
WO2017003030A1 (ko) | 이동통신 단말기를 이용한 가맹점 금융거래 시스템 및 그 방법 | |
WO2019039923A1 (ko) | 디지털 인식기를 이용한 정보수집시스템 및 방법 | |
WO2016204555A1 (ko) | 이미지 코드를 이용한 광고 과금 방법과 시스템 및 기록매체 | |
WO2017164613A1 (ko) | 결제 처리 방법, 시스템 및 장치 | |
WO2021246787A1 (ko) | 결제 장치 및 방법 | |
WO2017090949A1 (ko) | 피규어와 그를 이용한 정보 전송 시스템 | |
WO2023003391A1 (ko) | 중계서버를 이용한 디지털 데이터 전송 방법 및 시스템 | |
WO2022173192A1 (ko) | 결제 인터페이스 장치, 방법 및 시스템 | |
WO2023277635A1 (ko) | 이동 단말기를 이용한 주문 시스템 및 방법 | |
WO2022145638A1 (ko) | 이동 단말기를 이용한 영수증 정보 전달 시스템 및 방법 | |
WO2021045495A1 (ko) | 그룹 결제 인터페이스 시스템 및 그룹 결제 방법 | |
RU2811966C1 (ru) | Система для передачи платежной информации с использованием мобильного терминала и способ для этого с его использованием | |
WO2017104953A1 (ko) | 클라우드 카드와 클라우드 단말 기반의 결제 방법 및 시스템 | |
WO2022158658A1 (ko) | 가맹점 별 소비자 맞춤 가상 토큰형 단말을 이용한 결제 서비스 제공 서버 및 결제 서비스 제공 방법 | |
WO2021157981A1 (ko) | 오프라인 거래를 온라인화하는 데이터 핸들링 방법 및 오프라인 거래를 온라인화하는 데이터 핸들링을 행하는 리얼점의 중간 제어 장치 | |
WO2015160126A1 (ko) | 명함정보 관리 시스템 | |
WO2021157852A1 (ko) | 범용 서비스 인증 방법 및 이를 위한 플랫폼 |
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: 20920366 Country of ref document: EP Kind code of ref document: A1 |
|
ENP | Entry into the national phase |
Ref document number: 3158998 Country of ref document: CA |
|
ENP | Entry into the national phase |
Ref document number: 2020430633 Country of ref document: AU Date of ref document: 20200319 Kind code of ref document: A |
|
REG | Reference to national code |
Ref country code: BR Ref legal event code: B01A Ref document number: 112022016318 Country of ref document: BR |
|
NENP | Non-entry into the national phase |
Ref country code: DE |
|
ENP | Entry into the national phase |
Ref document number: 2020920366 Country of ref document: EP Effective date: 20220919 |
|
ENP | Entry into the national phase |
Ref document number: 112022016318 Country of ref document: BR Kind code of ref document: A2 Effective date: 20220816 |
|
WWE | Wipo information: entry into national phase |
Ref document number: 522432023 Country of ref document: SA |