KR101199093B1 - Method and System for Paying Giro using Code Image - Google Patents

Abstract

The present invention relates to a giro payment method and system using a code image, the giro payment system using a code image according to the present invention, in a giro payment system using a code image of a server provided in a giro business institution, Determining a key set including a site receiving value, a site identification value, a full text identification value and a full text validation value, and one or more key values authenticating the full text data from the server of the server. A value determining unit, a data constituting unit combining the site call value, the payment data sheet, the full text identification value, the full text verification value, and the key set according to a specified data structure to form the payment data data; A value storage unit for connecting to a storage medium and storing the payment data data in the server of the Giro user organization; A payment data including the full text of the payment data, the full identification value and the key set based on a site call value obtained by recognizing and reading a code image in which the payment data data is encoded from a payer's smartphone. A payment data receiving unit for receiving information and a key set connected to the full text identification value from the storage medium, and comparing (or verifying) the key set included in the payment data information with the verified key set; Payment data authentication unit for authenticating the payment data, and if the payment data is authenticated, the payment transaction processing unit for processing the payment transaction for the payment data through the payment means of the designated payer while maintaining a communication session with the smartphone And, if the payment transaction is approved, the payment transaction results are sent to the payer's smartphone and the And a payment result processing unit for releasing the communication session.

Description

Giro payment method and system using code image {Method and System for Paying Giro using Code Image}

The present invention relates to payment data data combining a set of keys including a site call value, a full text identification value, a full text verification value, and one or more key values for authenticating the full text data. After transmitting to the user of the Giro user, when the payment data obtained by recognizing the code image generated by the user of the Giro user from the payer's smartphone is received, the payment data is automatically authenticated through the key set and the payment transaction automatically At the same time, the financial institution that processed the payment transaction is automatically determined as a receiving institution for the full payment data, and automatically entered into the settlement settlement process.

The KFTC was established in June 1986 by integrating the National Clearance Management Center and the Bank Branch Office, which consists of a full-time financial institution and a quasi-employee financial institution. Include. The Jiro service of the KFTC includes the giro issuance management service for one or more giro user organizations and the giro settlement service for giro storage data sent from a receiving institution.

Although the 2D bar code is also printed in the recently issued Giro table, this is an encoding of the OCR number of the conventional Giro table, which merely adds 2D bar code recognition in addition to OCR recognition, and the 2D bar code is printed by the Giro business institution. The task of managing and issuing the issued Jiro journal is the same as in the conventional method. Of course, the recent automatic transfer of Internet Giro or Giro, but still a large number of giro payments are provided through the Giro slip, and the issue and settlement of Giro has a problem that follows the conventional method.

An object of the present invention for solving the above problems is, when receiving the full payment data from the Giro user agency to the Giro work agency, the one or more values for identifying, verifying and authenticating the full payment data in the Giro work agency is determined. By constructing the payment data data combined with the received payment data full text and transmitting to the giro user institution, when the payment data information is received from the payer's smartphone to recognize the code image encoded in the payment data data, the payment data After identifying, verifying, and authenticating the information, the payment transaction is processed through the designated payment method of the designated payer, and at the same time, the financial institution that processed the payment transaction is automatically determined as the receiving institution for the payment data specialized, and the settlement process for payment of giro is performed. To provide a method and a system for payment of giro using the code image to perform The.

The giro payment system using the code image according to the present invention, in the giro payment system using the code image of the server provided in the Giro business institution, a specialized receiver for receiving the full payment data from the server of the Giro user, and site call value And a value determination unit that determines a key set including a full text identification value and a full text verification value for the pay text message and at least one key value for authenticating the pay data text; A data structuring unit configured to combine the value, the full text verification value, and the key set according to a specified data structure to form payment data, a value storage unit connecting the full text identification value and the key set to store in a storage medium, and the payment data The data providing unit for providing data to the server of the Jiro user organization, and the payment data from the payer's smartphone A payment data receiving unit for receiving payment data information including the payment data sheet and a full text identification value and a key set based on a site call value obtained by recognizing and reading an encoded code image of the data; and the text message from the storage medium. A payment data certification unit for verifying the payment data set by verifying a key set associated with an identification value and comparing (or verifying) the key set included in the payment data information with the verified key set; A payment transaction processing unit for processing a payment transaction for the entire payment data through a payment method of a designated payer while maintaining a communication session with the smart phone, and if the payment transaction is approved, a payment transaction result of the payer And a payment result processing unit for transmitting to the smartphone and releasing the communication session.

According to the present invention, the giro payment system using the code image, if the payment transaction is approved, the payment data is determined to be a payment settlement specialist sent from the receiving institution that processed the payment transaction, and the giro payment of the giro business organization It may further include a branch settlement processing unit to be put into the settlement process.

According to the present invention, the giro payment system using the code image, if the payment data is received, further comprises an encryption unit for encrypting the payment data, the value storage unit decrypts the encrypted payment data full decryption The key value may be stored in the storage medium, and the payment data authentication unit may decrypt the encrypted payment data text through the decryption key value stored in the storage medium.

According to the present invention, when the payment data authentication unit includes the full text verification value, the payment data authentication unit may authenticate whether a result of performing a verification operation specified in the full text data is matched with the full text verification value.

Giro payment method using a code image according to the present invention, in the giro payment method using the code image of the server provided in the Giro business agency, receiving the full payment data from the server of the Giro user, and the site call value and Determining a key set comprising a full text identification value and a full text verification value for the full text of the payment data and one or more key values authenticating the full text of the payment data; Combining the verification value and the key set according to a specified data structure to construct payment data, storing the specialized identification value and the key set in a storage medium, and storing the payment data in the storage facility. Providing to the server, and recognizes the code image encoded in the payment data data from the payer's smartphone and Receiving payment data information including the payment data item and the full text identification value and a key set based on the acquired site call value, and confirming the key set associated with the full text identification value from the storage medium and paying the payment data; Comparing (or verifying) the key set included in the data information with the verified key set, and authenticating the full payment data message. If the full payment data message is authenticated, the communication session with the smartphone is maintained. Processing a payment transaction for the full payment data through a payment method of a designated payer; and if the payment transaction is approved, transmitting a payment transaction result to the payer's smartphone and releasing the communication session.

According to the present invention, if the payment transaction is approved using the code image, if the payment transaction is approved, the payment data is determined as a payment settlement specialist sent from the receiving institution that processed the payment transaction, and the payment is made by the Giro business institution. It may further comprise the step of putting into the settlement process.

According to the present invention, the giro payment method using the code image may further include encrypting the full payment data when the full payment data is received.

According to the present invention, the method for paying giro using the code image, when the payment data information includes the full verification value, verifies whether a result of performing a verification operation specified in the full payment data message matches the full verification value. It may further comprise the step.

According to the present invention, after outputting a code image encoding the payment data text on the giro table or digital medium on which the payment data text is output, the Giro business institution authenticates the validity of the payment data text encoded on the code image and pays it. By processing transactions, the business of issuing giro and settlement of giro payments has the advantage of being automated and simplified.

1 is a diagram illustrating a structure of a giro payment system using a code image according to an exemplary embodiment of the present invention.
2 is a diagram illustrating a smartphone function configuration according to an embodiment of the present invention.
3 is a diagram illustrating a process of issuing a giro table or a digital medium on which a code image is output according to an exemplary embodiment of the present invention.
4 is a diagram illustrating a process of issuing a giro journal or digital medium in which a code image is output according to another exemplary embodiment of the present invention.
5 is a diagram illustrating a process of paying a store through a code image output to a store form or a digital medium according to an exemplary embodiment of the present invention.
6 is a diagram illustrating a giro payment process through a code image output to a giro table or a digital medium according to another embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a structure of a giro payment system using a code image according to an exemplary embodiment of the present invention.

In more detail, in Figure 1, when a payment data message is received from a Giro user institution to a Giro service institution, the payment service document is determined by determining one or more values for identifying, verifying, and authenticating the payment data message at the Giro service institution. After generating the payment data data coupled to the transfer to the giro user, when the payment data information is received from the payer's smartphone 200 to recognize the code image encoded in the payment data encoded data, the payment data information is identified And after verifying and verifying, the payment transaction is processed through the payment method of the designated payer, and at the same time, the financial institution that processed the payment transaction is automatically determined as the receiving institution for the payment data specialty, and the payment settlement process is carried out. It is a payment system configuration, which is commonly used in the art. If you have a formula, referring to Figure 1 and / or modified to infer various implementation methods (for example, some components omitted, subdivided, or merged) implementation of the giropayment system configuration using the code image. Although the present invention may be implemented, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

The giro payment system using the code image of the present invention uses a server (hereinafter referred to as a giro user institution server 165) provided at one or more giro user organizations affiliated with a giro business institution (for example, KFTC) and a payer. The payment server 170 for processing the payment transaction through the payment means determined by the smartphone 200 and the payer's smartphone 200 is implemented in a form that can communicate with the Giro payment server 100 provided in the Giro business institution. The branch business institution further includes a branch settlement server 175 for processing the branch settlement business. The branch payment server 100 and the branch settlement server 175 may be implemented as a single integrated server. In addition, the giro payment server 100 may be implemented in the form of two or more servers (or devices), it will be apparent that the giro payment system of the present invention is not limited by the location of the server and its implementation manner.

The Giro business agency distributes the code image output module to the affiliated Giro user agency server 165, and the Giro user agency server 165 communicates with the Giro payment server 100 through the code image output module. The code image output module transmits the full payment data generated by the Giro user to the Giro payment server 100, the site call value, the payment data, the full text, the professional identification value from the Giro payment server 100 And after combining the key set according to the designated data structure and transmitting the payment data encoded data coded according to the designated matrix encoding rule to the branch user institution server 165, the payment data encoded data is encoded according to the matrix encoding rule. A code image is generated and the code image is printed (or displayed) on a giro ticket or digital medium provided to the payer. The digital medium on which the code image is displayed may include at least one web page related to a web, an e-mail related to a web, and a message related to a web.

The payer's smartphone 200 is equipped with a camera for photographing the code image and can be connected to a data communication network, and is loaded with a giro payment program module distributed by the giro business institution. The giro payment program module captures and recognizes the code image through the camera, extracts payment data encoded data encoded in the code image, and calculates a payment data specialty based on a site call value included in the payment data encoded data. Payment data information including a professional identification value and a key set is transmitted to the branch payment server 100 through the data communication network.

According to an embodiment of the present invention, the giro payment program module may verify the full payment data using the full verification value included in the payment data encoded data, in which case the Jiro payment program module may verify the full verification value. When the full payment data is verified through the payment data information, including the full payment data, the full identification value, and the key set, to the giro payment server 100 based on the site call value included in the pay data encoded data. Can transmit

According to another exemplary embodiment of the present invention, the giro payment program module may further transmit the professional verification value included in the payment data encoded data to the giro payment server 100, in which case the giro payment server 100 The full text of the payment data is verified through the full text verification value.

According to another exemplary embodiment of the present invention, the giro payment program module may transmit code image data photographed through the camera to the giro payment server 100 instead of the payment data information, in which case the giro payment server 100 may extract the payment data encoded data from the code image data.

The payment server 170 is provided in one of the financial institution of the regular employee financial institution and quasi-employee financial institution of the Jiro business institution to process the payment transaction for the payment means determined through the payer's smartphone (200) As, preferably, it may include at least one bank server, card company server.

Referring to FIG. 1, the giro payment server 100 includes a specialized reception unit 105 for receiving a payment data message from a Giro user institution server 165 and an encryption unit 115 for encrypting the payment data message. It may be further provided.

When the payment data is generated and transmitted by the Giro user institution server 165, the specialized receiver 105 receives the full payment data from the Giro user server 165. The full text of the payment data includes payment information corresponding to the specialized data structure agreed between the Giro user and the Giro service organ. For example, the payment information may include payer information, payment amount information, and billing institution (= Gyro user organization) information. Alternatively, the payment information may include an electronic payment number.

According to an embodiment of the present invention, the branch user institution server 165 includes full-text encoded data obtained by encoding payment information corresponding to the full-text data structure agreed between the branch user organization and the branch business institution according to a specified matrix encoding rule. Comprising a payment data can be configured to transmit to the giro payment server 100, in this case, the full-text receiver 105 receives the full-text payment data in the form of the specialized encoded data. Here, the matrix encoding rule for coding the full payment data includes the same encoding rule as the matrix encoding rule used for generating the payment data encoded data in the giro payment server 100.

The encryption unit 115 determines an encryption key value and a decryption key value necessary for encrypting and decrypting the full payment data. According to the embodiment of the present invention, the encryption key value and the decryption key value may be stored in a key storage medium of the giro payment server 100, in which case the encryption unit 115 encrypts the key storage medium. Check the key value and decryption key value. Alternatively, the encryption unit 115 may dynamically generate an encryption key value and a decryption key value necessary for encrypting and decrypting the payment data preamble through a designated key generation function.

When the encryption key value and the decryption key value are determined, the encryption unit 115 encrypts the full payment data using the encryption key value and stores the decryption key value in the storage medium 160. The decryption key value may be stored in the storage medium 160 in association with the full text identification value.

Referring to FIG. 1, the branch payment server 100 may include a key set including a site call value, a full text identification value and a full text verification value for the pay text, and at least one key value for authenticating the pay data. A value determining unit 120 for determining and combining the site call value, full payment data, full text identification value, full text verification value, and key set according to a specified data structure to form payment data data; A value storage unit 130 for connecting the specialized identification value and the key set and storing the data in the storage medium 160 and the data providing unit 110 for providing the payment data data to the branch user institution server 165. When the payment data is encrypted by the encryption unit 115, the value storage unit 130 stores a decryption key value for decrypting the encrypted payment data in the storage medium 160.

The value determiner 120 determines a site call value including an address value to be accessed in order to transmit the payment data information in the smartphone 200. Here, the site call value may include a representative address value for receiving the payment data information, or at least one address value for each payer for receiving the payment data information, an address value for a specialized payment data, and an address for a specialized identification value. It may include.

The value determination unit 120 determines a full text identification value that uniquely identifies the full text of payment data received from the giro user. Here, the full text identification value may include a full text serial number (or full text serial code) assigned to a specific pay data text so as not to be duplicated with other pay data text.

The value determining unit 120 derives a full text verification value by performing a designated verification operation on the full text of the payment data. If the payment data is not forged, changed or damaged, the same result is always obtained when the same verification operation is performed on the payment data.

The value determiner 120 determines N (N ≧ 1) key values for authenticating the full payment data. The N key values may be determined in a form in which a portion of a plurality of key lists is selected or dynamically generated. Here, the dynamically generated key value may be generated by substituting one or more seed values into a key generation function, or may be generated in a random number form. When the seed value is assigned to a key generation function to generate the N key values, the seed value is determined based on at least one of the site call value, full identification value, and full verification value, or a random number or It is determined based on a dynamically determined value, such as a time value, and assigned to the key generation function.

According to an exemplary embodiment of the present invention, the value determiner 120 may determine a key set including the N key values.

According to another exemplary embodiment of the present invention, the value determining unit 120 determines n (1 ≦ n ≦ N) key values among the N key values as one or more valid key values for authenticating the full payment data. And a key set including the n valid key values and (Nn) invalid key values. Here, the (Nn) key values are not used for authenticating the full payment data, but the derivation method of the n valid key values is not exposed as a key value included in the key set.

Once the site call value, full text identification value, full text verification value, and key set are determined, the data constructing unit 125 stores the site call value, payment data text, full text identification value, full text verification value and key set in a data structure. Combining according to form the payment data, the value storage unit 130 is stored in the storage medium 160 by connecting the professional identification value and the key set, the data provider 110 is the configured payment data data Provides to the branch user institution server 165.

According to an embodiment of the present invention, the data structuring unit 125 may generate the payment data encoded data that may be encoded into a code image by coding the payment data data according to a specified matrix encoding rule. In this case, the data provider 110 may provide the payment data encoded data to the Jiro user authority server 165.

Referring to FIG. 1, the giro payment server 100 recognizes and reads a code image in which payment data data is encoded from a payer's smartphone 200 based on a site call value obtained from the payer's smartphone 200. A payment data receiving unit 135 for receiving payment data information including a professional identification value and a key set, a key set associated with the professional identification value from the storage medium 160, and a key set included in the payment data information; Comparing (or verifying) the set of the confirmed key payment data authentication unit 140 for authenticating the payment data full text and, if the payment data full text is authenticated, maintaining a communication session with the smartphone 200 A payment transaction processing unit 145 for processing a payment transaction for the full payment data through a payment means of a payer designated in the state; and when the payment transaction is processed, the payment transaction result is recalled. It is provided with a payment result processing unit 150 for transmitting to the server of the user and the payer's smart phone 200, and release the communication session, and if the payment transaction is approved, storing the full payment data processing the payment transaction It is further provided with a Jiro settlement processing unit 155 to determine as a giro settlement professional sent from the institution and to put into the giro payment settlement process of the Giro business organization.

The Giro user institution server 165 receiving the payment data data encodes the payment data data according to a specified matrix encoding rule by using a code image output module distributed from the Giro business agency, and encodes the payment data into a code image. Generate data. Here, the matrix coding rule includes at least one coding rule among a QR code coding rule, a data matrix coding rule, a PDF-417 coding rule, and a maxicode coding rule. If the payment data encoded data is provided from the giro payment server 100, the giro user institution server 165 may use the provided payment data encoded data as it is.

When the payment data encoded data is generated (or provided), the giro user institution server 165 encodes the payment data encoded data according to the matrix encoding rule to generate a code image, and is provided to a payee or digital journal. The code image is printed (or displayed) on a medium (for example, a web page related to Giro, an e-mail related to Giro, or a Giro related message).

The giro journal or digital medium on which the code image is output is issued to the payer according to the Giro delivery service of the Giro user organization, and the payer is equipped with a camera and the smart phone 200 provided with the Giro payment program module. Recognizing and reading the code image output on the chart or digital media, the site call value, the payment data text, the professional identification value, the professional verification value, and the key set corresponding to the payment data data are extracted from the code image.

According to the exemplary embodiment of the present invention, the giro payment program module included in the smart phone 200 performs a verification operation (eg, a checksum operation) specified in the payment document, and performs the verification operation result value and the expert verification value. By comparing the data, it is possible to verify whether the entire payment data is forged, altered or damaged.

When the site call value, payment data, full text, professional identification value, professional verification value and key set are extracted from the code image, the giro payment program module provided in the smartphone 200 is configured to provide the full text and professional identification value and key. The payment data information including the set may be transmitted to the payment data receiver corresponding to the site call value, and the payment data information may be further included in the payment data information according to an implementation method.

The payment data receiving unit 135 is matched with an address value corresponding to the site call value, and receives payment data information including the payment data full text and a professional identification value and a key set from the payer's smartphone 200. In accordance with the method of the present invention, the payment data information including the full payment data and the professional identification value, the professional verification value, and the key set may be received.

When the payment data information is received, the payment data authentication unit 140 confirms a key set associated with the full text identification value from the storage medium 160 and at least one included in the key set included in the payment data information. Compares a valid key value with one or more key values included in the set of keys identified from the storage medium 160, or confirms that they match, or one or more valid key values included in the key set included in the payment information; By verifying that a predicted result value is derived by applying a verification operation specified to one or more key values included in the key set identified from the storage medium 160, the validity of the payment data message included in the payment data information is authenticated.

According to the method of the present invention, when the payment data information includes the full verification value, the payment data authentication unit 140 performs a verification operation (eg, a checksum operation) specified in the full payment data and performs the verification. The validity of the full payment data contained in the payment data information is verified by comparing the calculation result value with the full text verification value and confirming that the calculation result is identical.

If the full payment data is encrypted, the payment data authentication unit 140 checks the protection key value associated with the full text identification value from the storage medium 160 and decrypts the encrypted payment data through the decryption key value. By decrypting, it validates the validity of the full payment data contained in the payment data information.

When the validity of the payment document is authenticated, the payment transaction processing unit 145 maintains a communication session with the smartphone 200 and determines a payment means (for example, a credit card) through the smartphone 200. And a payment server 170 corresponding to a payment method registered by the payer in advance in connection with the payment server 170 corresponding to the payment server, through the payment means of the payer, or the payment means previously registered by the payer. In connection with the payment method of the payment data through the payment means of the payer.

The payment result processing unit 150 confirms the payment transaction result processed by the payment transaction processing unit 145. If the payment transaction is not approved, the payment result processing unit 150 transmits a payment transaction result including the transaction error to the smartphone 200 and releases the communication session with the smartphone 200.

On the other hand, if the payment transaction is approved, the payment result processing unit 150 transmits the payment transaction result including the transaction approval to the smartphone 200 and then releases the communication session with the smartphone 200. If the payment transaction is approved, the payment result processing unit 150 may transmit the payment transaction result to the branch user institution server 165 within a specified time.

In addition, when the payment transaction is approved, the payment settlement processing unit 155 determines the payment data preamble as the payment settlement statement sent from the receiving institution that processed the payment transaction. For example, the payment settlement processing unit 155 considers a financial institution equipped with a payment server 170 that approves the payment transaction as a storage institution even though the payment settlement specialist is not sent from the storage institution. The full payment data can be regarded as the settlement settlement document sent from the above storage fee.

The Giro business agency includes a Giro settlement server 175 for processing a Giro settlement business, the Giro settlement processing unit 155 settles the giro settlement full-text (= payment data professional changed into a Giro settlement professional structure) By inputting into the settlement payment process of the server 175, the settlement payment process is processed together with the settlement settlement professional message sent from the actual receiving institution.

2 is a diagram illustrating a functional configuration of a smart phone 200 according to an embodiment of the present invention.

In more detail, Figure 2 is a smart phone 200 having a camera and connected to a data communication network to capture and recognize the code image through the camera to extract the payment data encoded data encoded in the code image, the payment Based on the site call value included in the data encoding data, the payment program information structure for transmitting the payment data information, including the full payment data, the professional identification value and the key set to the giro payment server 100 through the data communication network; As illustrated, those of ordinary skill in the art to which the present invention pertains will be able to infer various implementation methods for the function of the smartphone 200 by referring to and / or modifying the drawing 2, but the present invention. Is made including all the inferred implementation method, the technical only by the implementation method shown in FIG. Features are not limited. In particular, the configuration of the smartphone 200 shown in FIG. 2 may further include a configuration of the smartphone 200 that is currently / later released, thereby clearly indicating that the present invention is not limited thereto.

Referring to FIG. 2, the smartphone 200 includes a control unit 205, a memory unit 255, a screen output unit 210, a key input unit 215, a sound output unit 220, and a sound input unit 225. And a camera unit 230, a wireless network communication module 240, a short range wireless communication module 235, a USIM reader unit 245, a USIM 250, and a battery 260 for supplying power.

The controller 205 is a generic term for a functional configuration that controls the operation of the smartphone 200. The controller 205 includes at least one processor and an execution memory, and each of the functional components and the bus provided in the smartphone 200. BUS). According to the present invention, the controller 205 loads and computes at least one program code included in the smartphone 200 through the processor into the execution memory, and calculates at least one function through the bus. Transfer to the component to control the operation of the smart phone 200. For convenience, the functional configuration of the giro payment program module for implementing the present invention will be described in the control unit 205 of FIG.

The memory unit 255 is a generic term for a nonvolatile memory included in the smartphone 200. The memory unit 255 may include at least one program code executed through the controller 205 and at least one data set used by the program code. Save it and keep it. The memory unit 255 is basically a system program code and system data set corresponding to the operating system of the smartphone 200, a communication program code and communication data set for processing a wireless communication connection of the smartphone 200 and at least One application program code and an application data set are stored, and the program code and data set for implementing the present invention are also stored in the memory unit 255.

The screen output unit 210 includes a screen output device (for example, a liquid crystal display (LCD) device) and an output module for driving the same, and is connected to the control unit 205 by a bus to perform various operations of the control unit 205. The calculation result corresponding to the screen output is output to the screen output device.

The key input unit 215 is composed of a key input device having at least one key button (or a touch screen device interworking with the screen output unit 210) and an input module for driving the key input device. It is connected by a bus to input a command for instructing various operations of the control unit 205, or input data necessary for the operation of the control unit 205.

The sound output unit 220 includes a speaker for outputting a sound signal and a sound module for driving the speaker. The sound output unit 220 is connected to the control unit 205 by a bus to correspond to sound output among various calculation results of the control unit 205. The calculation result is output through the speaker. The sound module decodes sound data to be output through the speaker and converts the sound data into a sound signal.

The sound input unit 225 includes a microphone for receiving a sound signal and a sound module for driving the microphone, and transmits sound data input through the microphone to the controller 205. The sound module encodes and encodes a sound signal input through the microphone.

The camera unit 230 includes the optical unit, a charge coupled device (CCD), and a camera module for driving the same, and acquires bitmap data input to the CCD through the optical unit. The bitmap data may include both still image data and moving image data.

The wireless network communication module 240 is a generic term for a communication configuration for connecting wireless communication, and includes at least one antenna, an RF module, a baseband module, and a signal processing module for transmitting and receiving radio frequency signals of a specific frequency band. It is connected to the control unit 205 by a bus and transmits a calculation result corresponding to wireless communication among various calculation results of the control unit 205 through wireless communication, or receives data through wireless communication to the control unit 205. At the same time as the transmission, it maintains the procedure of connection, registration, communication, handoff of the wireless communication. According to the present invention, the wireless network communication module 240 may connect the smart phone 200 to a voice call network, and optionally connect the smart phone 200 to a data communication network.

According to an embodiment of the present invention, the wireless network communication module 240 is configured to perform at least one connection, location registration, call processing, call connection, data communication, and handoff to a mobile communication network according to the CDMA / WCDMA standard. It includes. Meanwhile, according to the intention of the person skilled in the art, the wireless network communication module 240 is IEEE 802.16? According to the specification, the mobile internet communication may further include a mobile internet communication configuration for performing at least one connection, location registration, data communication, and handoff according to the standard, and the present invention is provided by the wireless communication configuration provided by the wireless network communication module 240. It is clear that this is not a limitation.

The short range wireless communication module 235 is configured as a short range communication module for connecting a communication session using a radio frequency signal as a communication medium within a predetermined distance, preferably, RFID communication, Bluetooth communication, Wi-Fi communication of ISO 180000 series standard. And at least one of public wireless communication. According to the exemplary embodiment of the present invention, the short range wireless communication module 235 may be integrated with the wireless network communication module 240. According to the present invention, the short range wireless communication module 235 connects the smart phone 200 to a data communication network.

The USIM reader unit 245 is a generic term for a configuration for exchanging at least one data set with a universal subscriber identity module (Universal Subscriber Identity Module) mounted on or detached from the smart phone 200 based on ISO / IEC 7816 standard. As an example, the data sets are exchanged in a half-duplex communication through an APDU (Application Protocol Data Unit).

The USIM 250 is a SIM type card provided with an IC chip according to the ISO / IEC 7816 standard, an input / output interface including at least one contact point connected to the USIM reader unit 245, and at least one IC. An IC chip memory for storing a program code and a data set for a chip, the program code for the IC chip is calculated or extracted according to at least one command connected to the input and output interface from the smart phone 200 (or Processing) and a processor for transmitting to the input / output interface.

The input / output interface includes at least one contact point of power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply (VPP), and input / output (I / O). The processor interfaces with the USIM reader unit 245 through the contact point. The IC chip memory stores system program codes and system parameters corresponding to the operating system of the IC chip and at least one security module, and at least one communication required for accessing the wireless communication network of the smartphone 200 to a fixed storage area. Stores Subscriber Identity Module (SIM) information including parameters. According to an embodiment of the present invention, the IC chip memory includes at least one storage area for each applet issuer (for example, SD (Security Domain)) storing program codes (= applets) and data sets produced by at least one applet issuer )).

According to an embodiment of the present invention, the memory of the USIM 250 is a payment issued to the user of the smartphone 200 by at least one payment means issuer (eg, credit card company, bank, prepaid card issuer, etc.). Payment means information corresponding to the means (for example, credit card, debit card, debit card, cash card, electronic bank account, customer account, prepaid card, etc.) and the applet program code for operating the payment means can be recorded.

Referring to FIG. 2, the giro payment program module includes a code image recognition unit 265 for capturing and recognizing a code image output to a giro journal / digital medium issued from a giro user institution through the camera unit 230. A code image reading unit 270 that reads the code image and extracts a key set including a site call value, a paid document full text, a full text identification value, a full text verification value, and at least one key value encoded on the code image; And a payment data transmission unit 280 for transmitting the payment data information including one or more of the payment data full text and a professional identification value, a professional verification value, and a key set to a payment data receiving side corresponding to the site call value. A professional verification unit that verifies that the payment data is not forged, altered or damaged by using the professional verification value included in the encoded payment data. 275) may be further provided. If the expert verification unit 275 verifies the forgery, tampering, and damage of the payment document, the payment data transmission unit 280 determines the payment data and the professional identification value and key. Payment data information including one or more sets may be transmitted to a payment data receiver corresponding to the site call value.

The code image recognition unit 265 outputs an interface screen for capturing a code image output from a geographite / digital medium through the camera unit 230, and the code on the bitmap data input through the camera unit 230. The image region may be identified or the bitmap data corresponding to the giro sheet / digital medium may be acquired by a photographing command through the key input unit 215, and the code image may be recognized from the obtained bitmap data.

The code image reading unit 270 reads the code image through the same coding rule as the matrix coding rule in which the Giro user created the code image. Extract a set of keys that includes a full-text identification value, a full-text verification value, and one or more key values.

The expert verification unit 275 performs a verification operation (for example, a checksum operation) specified in the payment document, and compares the verification operation result value with the expert verification value to verify that the forgery of the payment document is complete. And can be tampered with and tampered with.

The payment data transmission unit 280 transmits the payment data information including one or more of the payment data full text, the professional identification value, the professional verification value, and the key set to the payment data receiving side corresponding to the site call value, or the payment. Payment data information including one or more of a preamble and a full identification value and a key set is transmitted to a payment data receiver corresponding to the site call value.

3 is a diagram illustrating a process of issuing a giro table or a digital medium on which a code image is output according to an exemplary embodiment of the present invention.

In more detail, Figure 3 is a combination of the site call value, professional identification value, professional verification value and the key set to the payment data of the Giro user organization in the Giro payment server 100 provided in the Giro business agency shown in FIG. When the payment data is configured and provided to the giro user, the Giro user server 165 codes and encodes the pay data according to a specified matrix coding rule to generate a code image, and then outputs the code image. The process of issuing a chart or a digital medium to a payer, and a person having ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawing 3 to display the code image or the chart. Various implementation methods (e.g., some steps are omitted or reordered) Would be chuhal, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 3.

Referring to FIG. 3, when the giro user institution server 165 constructs the payment data full text and transmits it to the giro business institution (300), the giro payment server 100 of the giro business institution receives the payment data full text ( 305), a key set is determined that includes a site call value, a full text identification value and full text verification value for the payment text message, and one or more key values authenticating the text data;

The giro payment server 100 combines the site call value, payment data message, full text identification value, full text verification value, and key set according to a designated data structure to form payment data data (315). The key set is connected and stored (320), and the payment data is transmitted to the branch user institution server 165 (325).

The giro user institution server 165 codes the received payment data according to a specified matrix coding rule to generate paid data encoded data (330), and encodes the paid data encoded data according to the matrix coding rule. After generating an image (335), the code image is output to a giro journal or digital medium to be issued to the payer (340). The giro journal or digital medium on which the code image is output is issued to the payer (345).

4 is a diagram illustrating a process of issuing a giro journal or digital medium in which a code image is output according to another exemplary embodiment of the present invention.

In more detail, Figure 4 is after encrypting the full payment data of the Giro user institution in the Giro payment server 100 provided in the Giro business agency shown in Figure 1, the site call value, full text of the encrypted payment data When the payment data data combining the identification value, the professional verification value, and the key set are configured and provided to the Giro user, the Giro user server 165 codes and codes the payment data according to a specified matrix coding rule to generate a code image. After generating the, and the process of issuing the gijangjang or digital medium to which the code image is output to the payer, if the person of ordinary skill in the art to which the present invention pertains, refer to FIG. Various implementation methods (e.g., some steps may be taken) for a process of issuing a journal or a digital medium in which the code image is output through transformation. Or, or would be able to infer the order of the exemplary method is changed), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 4.

Referring to FIG. 4, when the giro user institution server 165 constructs the payment data full text and transmits the full text to the giro business institution (400), the giro payment server 100 of the giro business institution receives the payment data full text ( 405) A key set is determined that includes a site call value, a full text identification value and a full text verification value for the pay data text, and one or more key values authenticating the pay data text (410).

The giro payment server 100 determines an encryption key value to encrypt the payment data message and a decryption key value to decrypt it (415), and then encrypts the payment data message through the encryption key value (420).

The giro payment server 100 combines the site call value, the encrypted payment data full text, the full text identification value, the full text verification value, and the key set according to a designated data structure to form payment data data (425), and the full text identification. After storing the value, the key set and the decryption key value by concatenating (430), the payment data data is transmitted to the branch user institution server 165 (435).

The giro user institution server 165 codes the received payment data according to a specified matrix coding rule to generate paid data encoded data (440), and encodes the paid data encoded data according to the matrix coding rule. After generating an image (445), the code image is output (450) to the journal book or digital medium to be issued to the payer. The giro journal or digital medium on which the code image is output is issued to the payer (455).

5 is a diagram illustrating a giro payment process through a code image output to a giro table or a digital medium according to an embodiment of the present invention.

In more detail, FIG. 5 recognizes and reads a code image generated by the payer's smartphone 200 shown in FIG. 2 through the process shown in FIG. 3 or FIG. Extract the site call value, the full payment data, the full text identification value, the full text verification value, and the key set, verify the full text data through the full text verification value, and then, based on the site call value, And transmitting payment data information including a key set, a process of processing a payment transaction after authenticating the validity of the full payment data through the key set in the giro payment server 100 shown in FIG. As one of ordinary skill in the art to which the present invention pertains, the geographies or digital outputs of the code images are output by referring to and / or modifying the drawing. Various implementation methods (e.g., some steps may be omitted, or the order of implementation changes) for the media publishing process may be inferred, but the present invention includes all the implementation methods inferred above, The technical features are not limited only to the illustrated embodiment.

Referring to FIG. 5, the payer's smartphone 200 recognizes the code image by outputting a giro slip or digital medium on which the code image generated through the process illustrated in FIG. 3 or 4 is output (500). The recognized code image is read to extract a site call value, a payment data message, a full text identification value, a full text verification value, and a set of keys corresponding to the pay data encoded data encoded in the code image by the GIRO.

When the payment data encoding data is extracted, the smartphone 200 verifies whether the payment data text extracted from the code image is forged, tampered with, or damaged by the text verification value (510).

If the full payment data is not forged, tampered with or damaged, the smartphone 200 transmits the payment data information including the full payment data, the full identification value, and the key set to the drawing 1 based on the site call value. The illustrated Giro payment server 100 transmits (515).

If the payment data contained in the payment data information is encrypted through the process shown in FIG. 4, the Giro payment server 100 decrypts the encrypted payment data through the stored decryption key value (520). ).

The branch payment server confirms the stored key set in association with the full identification value and includes one or more valid key values included in the key set included in the payment data information and the key set identified from the storage medium 160. One or more key values included in the set of keys identified from the storage medium 160 and one or more valid key values included in the set of keys included in the payment information. By verifying that the predicted result value is derived by applying the verification operation specified in, the validity of the full payment data included in the payment data information is verified (525).

If the validity of the payment document is authenticated, the giro payment server 100 maintains a communication session with the smartphone 200 while the payment corresponding to the payment means determined through the smartphone 200. Process the payment transaction for the full payment data through the payment means of the payer in connection with the server 170, or the payment means of the payer in connection with the payment server 170 corresponding to the payment means registered in advance by the payer Process payment transaction for the full payment data through (530), and transmits the payment transaction results to the smart phone 200 and then release the communication session with the smart phone (200) (535). If the payment transaction is approved, the branch payment server 100 transmits the payment transaction result to the branch user institution server 165 within a designated time (540).

If the payment transaction is approved, the giro payment server 100 determines the payment data preamble as the giro settlement telegram sent from the receiving institution that processed the payment transaction, and the determined giro settlement telegram server 175 By inputting into the settlement settlement process, the settlement settlement process is processed together with the settlement settlement full text sent from the actual receiving institution (545).

6 is a diagram illustrating a process of paying giro through a code image output to a giro table or a digital medium according to another exemplary embodiment of the present invention.

In more detail, FIG. 6 recognizes and reads a code image generated by the payer's smartphone 200 shown in FIG. 2 through the process shown in FIG. After extracting the site call value, the full payment data, the professional identification value, the professional verification value, and the key set, payment data information including the payment data text, the professional identification value, the professional verification value, and the key set is based on the site call value. When transmitting, the process of processing the payment transaction after verifying the payment data full text through the professional verification value and verifying the validity of the payment data text through the key set in the giro payment server 100 shown in FIG. As illustrated, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 6 to output the code image. Alternatively, various implementation methods (for example, some steps may be omitted or the order may be changed) for the digital media issuance process may be inferred, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 6, the payer's smartphone 200 recognizes the code image by outputting a giro slip or digital medium on which the code image generated through the process illustrated in FIG. 3 or 4 is output (600). The recognized code image is read to extract a site call value, a payment data message, a full text identification value, a full text verification value, and a set of keys corresponding to the pay data encoded data encoded in the code image by the user of the GIRO.

When the payment data encoding data is extracted, the smartphone 200 shows payment data information including the payment data text, a professional identification value, a professional verification value, and a key set in FIG. 1 based on the site call value. It is transmitted to the branch payment server 100 (610).

If the payment document contained in the payment data information is encrypted through the process shown in FIG. 4, the Giro payment server 100 decrypts the encrypted payment document through the stored decryption key value (615). ).

The giro payment server verifies whether the payment data text extracted from the code image is forged, tampered with, or damaged by the text verification value (620).

If the full payment data is not forged, tampered with or damaged, the Giro payment server checks the stored key set in association with the full text identification value, and at least one valid key value included in the key set included in the payment data information. Compares one or more key values included in the key set identified from the storage medium 160 with each other, or at least one valid key value included in the key set included in the payment information and the storage medium ( By verifying whether a predicted result value is derived by applying a verification operation specified to one or more key values included in the identified key set from 160, the validity of the payment data text included in the payment data information is authenticated (625).

If the validity of the payment document is authenticated, the giro payment server 100 maintains a communication session with the smartphone 200 while the payment corresponding to the payment means determined through the smartphone 200. Process the payment transaction for the full payment data through the payment means of the payer in connection with the server 170, or the payment means of the payer in connection with the payment server 170 corresponding to the payment means registered in advance by the payer Through the payment transaction for the full payment data through (630), and transmits the payment transaction results to the smart phone 200 and releases the communication session with the smart phone 200 (635). If the payment transaction is approved, the giro payment server 100 transmits the payment transaction result to the giro user institution server 165 within a designated time (640).

If the payment transaction is approved, the giro payment server 100 determines the payment data preamble as the giro settlement telegram sent from the receiving institution that processed the payment transaction, and the determined giro settlement telegram server 175 By inputting into the payment process of the giro payment, the process of payment of the giro payment is processed together with the giro settlement full text sent from the actual receiving institution (645).

100: giro payment server 105: professional receiver
110: data providing unit 115: encryption unit
120: value determination section 125: data configuration section
130: value storage unit 135: payment data receiving unit
140: payment data certification unit 145: payment transaction processing unit
150: payment result processing unit 155: giro settlement processing unit
160: storage medium 165: Giro user institution server
170: payment server 200: smartphone

Claims (10)

In a giro payment system using a code image of a server provided in a giro business institution,
A professional receiving unit for receiving the full payment data from a server of a gyroscope;
Determine a key set comprising a site call value, a full text identification value and a full text validation value, and N (N ≧ 1) key values for authenticating the full text, and included in the key set Determine n (1≤n≤N) key values out of N key values as one or more valid key values authenticating the full payment data, and determine the n valid key values and (Nn) invalid key values. A value determiner that determines a key set to include;
A data constituting unit configured to combine the site call value, full payment data, full text identification value, full text verification value, and key set according to a designated data structure to form payment data data;
A value storage unit for connecting the full text identification value with a key set and storing the specialized identification value in a storage medium;
A data provider for providing the payment data to the server of the branch office;
A payment data receiving unit for receiving payment data information including the full text of a payment data and a professional identification value and a key set based on a site call value obtained by recognizing and reading a code image encoded with the payment data data from a payer's smartphone. ;
Confirming the key set connected to the full text identification value from the storage medium, and comparing or verifying the key set included in the payment data information and the verified key set to authenticate the payment data text, and verifying the payment data text A payment data authentication unit for authenticating whether a result of performing the calculation matches the determined professional verification value;
A payment transaction processing unit for processing a payment transaction for the payment data message through a payment means of a designated payer while maintaining a communication session with the smartphone when the payment data message is authenticated;
If the payment transaction is approved, the settlement data processing unit for determining the payment data to be a settlement settlement professional sent from the receiving institution that processed the payment transaction to enter into the settlement settlement process of the Giro business organization; And
And a payment result processing unit which transmits a payment transaction result to the payer's smartphone and releases the communication session.
delete The method of claim 1,
If the full payment data is received, further comprising an encryption unit for encrypting the full payment data,
The value storage unit,
Storing a decryption key value for decrypting the encrypted payment data in the storage medium,
The payment document authentication unit,
Giro payment system using a code image, characterized in that for decrypting the encrypted payment data full text through the decryption key value stored in the storage medium.
delete The method of claim 1, wherein the full payment data is provided.
Giro payment system using a code image, characterized in that the payment information corresponding to the specialized data structure agreed between the Giro user organization and the Giro business organization comprising the specialized coded data coded according to the specified matrix coding rules.
delete In the giro payment method using the code image of the server provided in the Giro business institution,
Receiving the full payment data from the server of the Giro user;
Determine a key set comprising a site call value, a full text identification value and a full text validation value, and N (N ≧ 1) key values for authenticating the full text, and included in the key set Determine n (1≤n≤N) key values out of N key values as one or more valid key values authenticating the full payment data, and determine the n valid key values and (Nn) invalid key values. Determining a key set to include;
Combining the site call value, full payment data, full identification value, full verification value, and key set according to a designated data structure to construct payment data;
Concatenating the full text identification value with a set of keys and storing them in a storage medium;
Providing the payment data to the server of the branch office;
Receiving payment data information including the full text of a payment data and a full text identification value and a key set based on a site call value obtained by recognizing and reading a code image encoded with the payment data data from a payer's smartphone;
Confirming the key set connected to the full text identification value from the storage medium, and comparing or verifying the key set included in the payment data information and the verified key set to authenticate the payment data text, and verifying the payment data text Authenticating whether a result of the operation matches the determined professional verification value;
If the payment document is authenticated, processing a payment transaction for the payment document by means of a payment of a designated payer while maintaining a communication session with the smartphone;
If the payment transaction is approved, determining the payment document as a payment settlement specialist sent from the receiving institution that processed the payment transaction and injecting it into the payment settlement process of the employment agency; And
And transmitting the payment transaction result to the payer's smartphone and releasing the communication session.
delete 8. The method of claim 7,
If the payment data is received, giro payment method using a code image, further comprising the step of encrypting the payment data.
delete

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