KR20060131322A - Payment processing method and system, payment processing device, recording medium, information storage medium - Google Patents

Abstract

The present invention relates to a payment processing method and system, and stores specific logo and / or image data in association with corresponding company (or store) information, and inputs the specific logo and / or image data through a customer wireless terminal. And when the payment information of the customer is transmitted from the customer wireless terminal, confirms a deposit account of a company (or a store) corresponding to the transmitted specific logo and / or image data, and transmits the received payment account to the confirmed payment account. Characterized in that to perform the corresponding payment processing. Accordingly, by providing a predetermined electronic payment service without a payment terminal, it is possible to provide an electronic payment service at places such as outdoor concert halls and / or outdoor event halls and / or outdoor amusement parks where it is difficult to provide the payment terminals.

Description

Payment processing method and system, payment processing device and recording medium and information storage medium therefor {System and Method for Payment, Payment Devices and Recording Medium and Information Storing Medium}

1 is a block diagram showing a payment processing device (or server) on a preferred payment processing system according to the present invention.

2 is a diagram illustrating a simple data table of an information storage medium 1 according to an embodiment of the present invention.

3 is a diagram illustrating a simple data table for an information storage medium 2 according to an embodiment of the present invention.

4 is a diagram illustrating a simple data table for payment processing information stored in an information storage medium according to an exemplary embodiment of the present invention.

5 is a simple flowchart illustrating a process of performing payment processing according to an embodiment of the present invention.

6 is a simplified block diagram of a payment processing system according to an embodiment of the present invention.

7 is a block diagram showing a payment processing device (or server) on the payment processing system according to an embodiment of the present invention.

8 is a diagram illustrating a simple data table for payment processing information stored in an information storage medium according to an embodiment of the present invention.

9 is a simple flowchart illustrating a process of performing payment processing according to an embodiment of the present invention.

10 is a block diagram showing a payment processing device (or server) on the payment processing system according to an embodiment of the present invention.

11 is a diagram illustrating a simple data table for payment processing information stored in an information storage medium according to an embodiment of the present invention.

12 is a simple flowchart illustrating a process of performing payment processing according to an embodiment of the present invention.

<Description of main parts of drawing>

100: payment processing device (or server) 105: receiving unit

110: confirmation unit 115: reading unit

120: decryption processing unit 125: payment processing unit

130: information generating unit 135: generating / extracting unit

140: transmission unit 145: storage unit

150: storage medium (1) 155: storage medium (2)

160: wireless terminal 165: device (or server) on the network

According to the present invention, a company corresponding to the specific logo and / or image data transmitted through a customer wireless terminal with reference to specific logo and / or image data and corresponding company (or store) information stored in a predetermined storage medium ( Or it relates to a payment processing method and system for performing the payment process by confirming the store) information and / or deposit account information of the company (or store).

The conventional electronic payment system includes an electronic payment means in a predetermined medium, extracts the electronic payment means from the medium in a predetermined payment terminal provided at a merchant, and transmits the electronic payment means to a predetermined payment related server through a communication network for payment processing. The electronic payment means may be provided using a magnetic stripe (MS) / IC (Integrated Circuit) card or a wireless terminal in which a predetermined IC chip is mounted or detached.

In the conventional electronic payment system as described above, the subject of the electronic payment is a payment terminal provided in the affiliated store, and the payment terminal should be connected to a communication network capable of connecting a predetermined communication channel with the payment related server. As described above, it is difficult to provide the electronic payment service in places such as outdoor concert halls and / or outdoor event halls and / or outdoor amusement parks, which are difficult to have a payment terminal connected to a communication network.

An object of the present invention to solve the above problems, by linking the specific logo and / or image data and the company (or store) information data corresponding to the specific logo and / or image data in a predetermined information storage means Store in a predetermined storage medium, receive predetermined logo and / or image data and predetermined payment information data transmitted from a customer wireless terminal in a predetermined information receiving means, and associate with the storage medium in a predetermined information checking means; After confirming the company (or store) information corresponding to the received logo and / or image data, the confirmed company (or store) information data is provided to a payment processing means, and a predetermined company ( Or store) information data and a predetermined storage medium storing the company (or store) deposit account information data. Read the company (or store) deposit account information data corresponding to the company (or store) information data, withdraw the payment amount corresponding to the payment information data from the customer financial account and then read the company (or store) The present invention provides a payment processing method and system for depositing a deposit account.

Further, another object of the present invention is to store a predetermined logo and / or image data and the corporate (or store) deposit account information data corresponding to the specific logo and / or image data in a predetermined information storage means, the predetermined storage Store in a medium, receive predetermined logo and / or image data and predetermined payment information data transmitted from a customer wireless terminal in a predetermined information receiving means, and receive the predetermined payment processing means in association with the storage medium. Read the company (or store) deposit account information data corresponding to a particular logo and / or image data, withdraw the payment amount corresponding to the payment information data from the customer financial account and then read the company (or store) The present invention provides a payment processing method and system for depositing a deposit account.

In addition, another object of the present invention, by linking the specific logo and / or image data and the merchant identification information data corresponding to the specific logo and / or image data in a predetermined information storage means and stored in a predetermined storage medium Receiving a predetermined logo and / or image data and predetermined payment information data transmitted from a customer wireless terminal in a predetermined information receiving means, and in connection with the storage medium in a predetermined payment processing means, receiving the received specific logo and And / or read affiliate store identification information corresponding to the image data, and use the read affiliated store identification information data, the payment amount information data corresponding to the payment information data, and the customer payment means information data to approve payment of the payment amount. To provide a payment processing method and system for processing.

Still another object of the present invention is to provide image data files and company (or store) information data and / or company (or store) deposit account information data and / or merchant identification information data to store certain logo and / or image data. And a corporate / merchant information data file storing the specific logo and / or image data and the corporate (or store) deposit account information data and / or merchant identification information data. The present invention provides an information storage medium characterized by storing the image data file and the company / merchant information data file in a cooperative manner so as to correspond to each other one-to-one.

In order to achieve the above object, a payment processing system includes a storage medium for linking and storing a specific logo and / or image data and company (or store) information data corresponding to the specific logo and / or image data, and at a customer wireless terminal. After inputting the specific logo and / or image data to a predetermined image input means, and transmitting the specific logo and / or image data and predetermined payment information data, information receiving means for receiving it and associated with the storage medium Information confirmation means for checking the company (or store) information corresponding to the specific logo and / or image data received by the information receiving means, and then providing the confirmed company (or store) information data to the payment processing means; A predetermined storage medium storing corporate (or store) information data and the corporate (or store) deposit account information data; In addition, the company (or shop) deposit account information data corresponding to the company (or shop) information data provided by the information checking means is read out, and the payment amount corresponding to the payment information data received by the information receiving means is read. After the withdrawal from the customer financial account characterized in that it comprises a payment processing means for processing the deposit to the read company (or store) payment account.

In addition, the payment processing system, the information storage means for storing the payment processing history data of the payment processing means on a predetermined storage medium, and / or the payment processing history data of the payment processing means to the wireless terminal (and / or network) It may be configured to further include information transmitting means for transmitting to the (top device).

In addition, the payment processing system, information generating means for generating predetermined payment receipt data corresponding to the payment processing history of the payment processing means and the generated payment receipt data to the wireless terminal (and / or the device on the network) It may be configured to further include information transmitting means for transmitting.

The payment processing system may further include information generation / extraction means for generating predetermined payment processing result (admission ticket, ticket, etc.) data corresponding to the payment processing history of the payment processing means or extracting the data in association with a predetermined storage medium. The apparatus may further include information transmitting means for transmitting the generated or extracted payment processing result (admission ticket, ticket, etc.) data to the wireless terminal (and / or a device on the network).

The payment processing system may further include decryption processing means for decrypting the information data provided from the wireless terminal when the information data is encrypted by a predetermined encryption algorithm.

According to the present invention, the information receiving means includes at least one of the customer identification information, the customer authentication information, the customer financial account (or payment means) information, and the wireless terminal identification information from the wireless terminal. Characterized in that the predetermined customer information is further received.

The payment processing method according to the present invention, which is implemented on the payment processing system described above, may store specific logo and / or image data and company (or store) information data corresponding to the specific logo and / or image data in a predetermined information storage means. An information storing step of performing cooperative processing and storing in a predetermined storage medium, an information receiving step of receiving predetermined logo and / or image data and predetermined payment information data transmitted from a customer wireless terminal in a predetermined information receiving means; After confirming the company (or store) information corresponding to the logo and / or image data received through the information receiving step in connection with the storage medium in the information confirmation means of the information on the confirmed company (or store) information Information confirmation step provided to the payment processing means and predetermined company (or store) information in the predetermined payment processing means The company (or store) deposit account information data corresponding to the company (or store) information data, in association with a predetermined storage medium storing the company (or store) deposit account information data from the site and the payment information. And a payment processing step of depositing the payment amount corresponding to the data from the customer financial account and depositing it into the read company (or store) payment account.

According to the present invention, the payment information may include at least one payment amount information, payment merchant information, and customer financial account information.

The payment processing method may further include an information storage step of storing, by a predetermined information storage means, payment processing history data of the payment processing means on a predetermined storage medium.

The payment processing method may further include an information transmission step of transmitting, from a predetermined information transmission means, payment processing history data of the payment processing means to the wireless terminal (and / or a device on a network).

The payment processing method may further include: an information generating step of generating predetermined payment receipt data in response to payment processing details of the payment processing means in a predetermined information generating means, and generating the generated payment receipt data in a predetermined information transmitting means. The method may further include transmitting an information to the wireless terminal (and / or a device on a network).

In addition, the payment processing method, the predetermined information generation / extraction means for generating a predetermined payment processing result (admission ticket, ticket, etc.) data corresponding to the payment processing history of the payment processing means or extracted in association with a predetermined storage medium And an information transmitting step of transmitting the generated or extracted payment processing result (admission ticket, ticket, etc.) data to the wireless terminal (and / or a device on a network) by a predetermined information transmitting means. Can be configured.

The payment processing method may further include a decryption processing step of decrypting a predetermined decryption processing means when the information data provided by the wireless terminal is encrypted by a predetermined encryption algorithm.

In the payment processing method, the information receiving step includes at least the customer identification information, the customer authentication information, the customer financial account (or payment means) information, and the wireless terminal identification information from the wireless terminal. Characterized in that it further receives a predetermined customer information comprising one or more.

On the other hand, another payment processing system for achieving the above object, and a storage medium for storing and storing the specific logo and / or image data and the company (or store) deposit account information data corresponding to the specific logo and / or image data; Information receiving means for receiving the specific logo and / or image data and then transmitting the specific logo and / or image data and predetermined payment information data to a predetermined image input means by a customer wireless terminal; In connection with the storage medium, the company (or store) payment account information data corresponding to the specific logo and / or image data received by the information receiving means is read, and the payment information data received by the information receiving means Withdraw the payment amount from the customer's financial account and process the deposit into the read company (or store) deposit account. It is characterized in that it comprises a payment processing means.

In addition, another payment processing method according to the present invention implemented on the payment processing system, deposit a company (or store) corresponding to the specific logo and / or image data and the specific logo and / or image data in a predetermined information storage means An information storing step of linking and processing the account information data in a predetermined storage medium; and receiving information for receiving predetermined logo and / or image data and predetermined payment information data transmitted from the customer wireless terminal by the predetermined information receiving means. And reading a company (or store) deposit account information data corresponding to the received specific logo and / or image data in association with the storage medium in a predetermined payment processing means, and payment corresponding to the payment information data. Withdraw an amount from the customer's financial account and then transfer it to the read company (or store) deposit account It may be configured to include a payment processing step for processing.

On the other hand, another payment processing system for achieving the above object, a storage medium for linking and storing a specific logo and / or image data and the merchant identification information data corresponding to the specific logo and / or image data, and the customer wireless terminal Inputs the specific logo and / or image data to a predetermined image input means, and then transmits the specific logo and / or image data and predetermined payment information data, and receives the information; In association, reading affiliate store identification information corresponding to the specific logo and / or image data received by the information receiving means, and paying corresponding to the read affiliated store identification data and the payment information data received by the information receiving means. The payment amount using the amount information data and the customer payment means information data Including the settlement processing means for processing a payment authorization, characterized in that formed.

Here, the payment processing system, payment approval professional message generating means for generating a predetermined payment approval professional data corresponding to the payment approval of the payment processing means and the merchant terminal corresponding to the generated payment approval professional data to the merchant identification information data (Or a server) and / or may further comprise a payment approval professional transmission means for transmitting to the wireless terminal.

In addition, another payment processing method according to the present invention implemented on the payment processing system, a predetermined logo and / or image data in a predetermined information storage means and merchant identification information data corresponding to the specific logo and / or image data An information storing step of performing cooperative processing and storing in a predetermined storage medium, an information receiving step of receiving predetermined logo and / or image data and predetermined payment information data transmitted from a customer wireless terminal in a predetermined information receiving means; The payment processing means for reading affiliate store identification data corresponding to the received specific logo and / or image data in association with the storage medium, and the payment amount corresponding to the read affiliated store identification data and the payment information data; The payment using information data and the customer payment means information data It can be configured to include a payment processing step of processing a payment authorization of a liquid.

Here, the payment approval full text generation step of generating a predetermined payment approval full text data corresponding to the payment approval of the payment processing means in a predetermined information generating means and the payment approval specialized data generated in the predetermined information transmission means to identify the merchant It may be configured to further include a payment approval professional transmission step for transmitting to the merchant terminal (or server) and / or the wireless terminal corresponding to the information data.

Further, the predetermined payment approval is made by using the affiliated store identification information data read out by the predetermined payment approval request message generating means, the payment amount information data corresponding to the payment information data received by the information receiving means, and the customer payment means information data. In the payment approval request generation step of generating a request message and a predetermined payment approval request message transmission means, the payment for transmitting the generated payment approval request message to the VAN provider server associated with the payment processing means and / or the payment processing means. It may be configured to further include the approval request message transmission step.

The payment information may include at least one payment amount information, payment affiliate identification information, and customer payment means information.

In addition, the present invention is characterized by having a computer-readable recording medium, characterized in that the program for executing the at least one payment processing method described above is recorded.

According to the invention, each of the means is characterized in that it is provided in the device (or terminal) or at least one or more devices (or servers) connected to the device (or terminal) by a network.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to elements illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In addition, in describing the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a block diagram showing a payment processing device (or server) 100 on a preferred payment processing system according to the present invention.

Preferably, the payment processing system is implemented at least one or more functional means (for example, information receiving means, information checking means, payment processing means, information storage means, information transmission means, information generating means and information generation / extraction) Means) may be configured to be positioned in various ways on the payment processing system according to the judgment of those skilled in the art in the process of implementing the present invention.

For example, each of the functional means is composed of each independent device (or server) can communicate with each other organically to perform the payment processing process according to the present invention, it is also integrated into one device (or server) It may be stated.

Accordingly, Figure 1 is a predetermined device (or server) for smoothly performing a payment processing operation corresponding to a specific logo and / or image data on the system in order to more effectively and easily understand the payment processing system according to the present invention (Hereinafter, it will be described as having a payment processing device (or server) 100).

In addition, according to FIG. 1, although a storage medium for storing at least one or more information required and / or generated in the process of implementing the present invention is divided and described (storage medium (1) 150, the storage medium ( 2) (155)), which is only according to one embodiment to more clearly describe the information stored in the storage medium, it can be specified that can be integrated into one operation.

Referring to FIG. 1, the payment processing system includes a storage medium for linking and storing a specific logo and / or image data and company (or store) information corresponding to the specific logo and / or image data, and a customer wireless terminal ( Receiving the specific logo and / or image data and payment information transmitted from the 160, to confirm the company (or store) information and the company (or store) deposit account information corresponding to the received specific logo and / or image data And, it may be configured to have a payment processing device (or server) 100 for performing a predetermined payment processing with reference to the received payment information.

According to the present invention, the logo is characterized in that it includes a font and / or font and / or an image that is used to make the name or characteristic of a particular company or product unique and used as a kind of trademark.

The image data may include image data in which a series of information is encoded and included in a predetermined pattern form. For example, the image may be a universal product code (UPC), CODEBAR, MSI through a black and white bar. , Code 39, Korea Article Number (KAN), One-Dimensional Bar Code that satisfies Japan Article Number (JAN), etc. The three-dimensional bar code, and the three-dimensional bar code that represents the black and white bars in three-dimensional stereoscopic colors, and the gray code and the color code represented by the color color and the like to expand the black and white bar to express the mixed black and white.

According to FIG. 1, the illustrated customer wireless terminal 160 includes image input means such as a digital camera and / or key input means such as a keypad and / or at least one or more payment means information (eg, account information, card information, etc.). ), And may be provided with a detachable IC chip in the wireless terminal 160.

In particular, the wireless terminal 160 receives specific logo and / or image data according to the present invention through the image input means (for example, a phone camera, etc.), and inputs the input logo and / or image data and the predetermined data. Characterized in that the payment information is transmitted to the payment processing device (or server) (100).

The payment information may include at least one payment amount information, payment merchant information, and customer financial account information (or payment means information).

In addition, in order to implement the function of the wireless terminal 160, the wireless terminal 160 is preferably provided with a predetermined program (for example, a program type recorded on a predetermined recording medium provided in the wireless terminal 160). Etc.), the program works in conjunction with an IC chip detachable from the wireless terminal 160 to perform a predetermined financial transaction and / or payment based on a predetermined financial transaction means and / or a payment means included in the IC chip. The payment processing device (or the processing of the logo and / or image data and the financial transaction and / or payment processing information input through the image input means included in the wireless terminal 160 through the wireless network). Server) 100 may be transmitted.

Therefore, the program provided in the wireless terminal 160 preferably includes a function of a virtual machine (VM) interoperating with the IC chip, and / or the wireless terminal platform (eg, WIPI (Wireless Internet Platform). for Interoperability) platform).

In addition, the wireless terminal 160 in the process of transmitting the logo and / or image data and the financial transaction and / or payment processing information to the payment processing device (or server) 100 through a wireless network (WAP ( It is preferable to transmit the data by encrypting it through a predetermined encryption protocol in correspondence with a Wireless Application Protocol (VM) or a virtual machine (VM).

Preferably, the payment processing apparatus (or server) 100 is provided in a financial institution server, and / or in a mobile communication company server, and / or in a value added network (VAN) company server, and / or It may be provided in an enterprise (or store) server, and / or in a payment server (or a server associated with a payment server), and / or in a server (or device) on a network.

The payment processing device (or server) 100 may serve as a management server for storing and managing IC chip information provided to the wireless terminal 160 of the customer by a financial institution (or a communication company). It may serve as a wireless banking server that provides a wireless banking service of a WAP method and / or a VM method.

In more detail, the illustrated payment processing apparatus (or server) 100 performs the payment processing function corresponding to the specific logo and / or image data according to the present invention, the information receiving unit 105 and the decryption processing unit 120 ), The information checking unit 110, the reading unit 115, the information storing unit 145, the information transmitting unit 140, the information generating unit 130, and the information generating / extracting unit 135. And / or the payment processing unit 125.

The information receiving unit 105 of the payment processing apparatus (or server) 100 may receive the specific logo and / or image data and predetermined payment information transmitted from the customer wireless terminal 160.

At this time, the information receiving unit 105 from the customer wireless terminal 160, the customer identification information, the customer authentication information, the customer financial account (or payment means) information, and the wireless terminal 160 identification information It may further receive customer information including at least one.

In addition, although not shown in FIG. 1, when the payment processing apparatus (or server) 100 receives payment amount information as payment information transmitted from the wireless terminal 160, the payment processing device (or server) 100 receives a predetermined amount from the wireless terminal 160. The customer authentication information (eg, payment means information, payment means secret information, customer personal authentication information (eg, social security number, etc.) may be further provided with a customer authentication unit for confirming.

Decryption processing unit 120 of the payment processing device (or server) 100 is a predetermined encryption algorithm in which the specific logo and / or image data and predetermined payment information transmitted from the customer wireless terminal 160 is mutually regulated. When encrypted by the transmission, it characterized in that the specific logo and / or image data and the predetermined payment information to be received is encrypted.

For example, if the customer wireless terminal 160 and the payment processing device (or server) 100 have a communication channel formed on the basis of a WAP (Wireless Application Protocol), the payment processing device (or The transaction data including the specific logo and / or image data and predetermined payment information transmitted to the server 100 may be encrypted and transmitted through WTLS (Wireless Transport Layer Security) and SSL (Secure Sockets Layer).

As is known, the Wireless Transport Layer Security (WTLS) is a TLS-based security protocol applied for transport layer security in a wireless application protocol (WAP), and solves problems of limited operating power, memory capacity, and low bandwidth of a mobile communication device. It can provide authentication, data integrity, and privacy protection.

In addition, the SSL (Secure Sockets Layer) is a program layer designed to manage the security of data transmission in a network, and refers to a socket method for exchanging between client and server programs on a network or between program layers of the same computer.

According to a preferred embodiment, if the customer wireless terminal 160 and the payment terminal (or server) does not satisfy the end-to-end (E2E) encryption protocol (for example, the wireless terminal 160 is a WTLS protocol and payment terminal device) (Or the server) is an SSL protocol), the transaction data (e.g., specific logo and / or image data and predetermined payment information, etc.) encrypted by the customer wireless terminal 160 via WTLS (Wireless Transport Layer Security). Is converted into an SSL protocol through a predetermined gateway (not shown) and transferred to the decryption processing unit 120 of the payment processing apparatus (or terminal), and the decryption processing unit 120 is configured according to the SSL protocol. Encrypt encrypted transaction data.

Further, according to another preferred method, if the customer wireless terminal 160 and the payment terminal (or server) meets the end-to-end (E2E) encryption protocol (for example, the wireless terminal 160 is a WTLS protocol and payment) When the terminal device (or server) is a WTLS protocol), the transaction data (eg, specific logo and / or image data and predetermined payment information) encrypted by the customer wireless terminal 160 through WTLS (Wireless Transport Layer Security). Etc.) may be transmitted to the decryption processing unit 120 of the payment processing device (or terminal) to decrypt the encrypted transaction data through the decryption processing unit 120 according to a WTLS (Wireless Transport Layer Security) protocol. .

Meanwhile, the customer wireless terminal 160 includes the specific logo and / or image data and predetermined payment information through a predetermined VM (Virtual Machine) interlocking with an IC chip detachable from the wireless terminal 160. When transaction data is generated and transmitted to the payment processing device (or server) 100, the transaction data is encrypted with a customer secret key extracted from the IC chip, and the encrypted transaction data is extracted from the IC chip. The IC chip issuer public key (eg, the payment terminal (or server) public key, etc.) may be encrypted and transmitted to the decryption processing unit 120 of the payment processing device (or server) 100.

At this time, the decryption processing unit 120 decrypts the transaction data encrypted with the public key with the private key of the payment processing device (or server) 100, and then decrypts the transaction data encrypted with the customer secret key with the customer public key. By performing the operation, the encrypted transaction data (eg, specific logo and / or image data and predetermined payment information, etc.) transmitted from the customer wireless terminal 160 may be decrypted.

The information confirming unit 110 of the payment processing apparatus (or server) 100 stores the specific logo and / or image data in association with the company (or store) information corresponding to the specific logo and / or image data. In conjunction with the storage medium (1) 150, the company (or store) information corresponding to the specific logo and / or image data received through the information receiving unit 105 to check the information reading unit 115 It is characterized by providing.

The information reading unit 115 of the payment processing apparatus (or server) 100 stores a predetermined storage medium (1) 150 for storing the corporate (or store) information data and the corporate (or store) deposit account information data. ), The company (or store) payment account information data corresponding to the company (or store) information data provided by the identification unit 110 is read.

The payment processing unit 125 of the payment processing apparatus (or server) 100 refers to the payment information received by the information receiving unit 105, and withdraws the payment amount corresponding to the payment information from the customer financial account. After the reading unit 115 is characterized in that the deposit processing to the company (or shop) payment account read out.

In addition, although the payment processing unit 125 is shown as being provided in the payment processing apparatus (or server) 100 in this figure, the payment processing unit 125 is the payment processing system (or server) in the form of the payment It may be provided on a network interworking with the processing apparatus (or server) 100.

The information storage unit 145 of the payment processing device (or server) 100, the payment amount withdrawn from the customer financial account through the payment processing unit 125 is deposited into the company (or store) payment account payment When the processing is completed, the payment processing history data of the payment processing unit 125 may be stored in a predetermined storage medium.

The predetermined information generating unit 130 of the payment processing apparatus (or server) 100 generates predetermined payment receipt data corresponding to the payment processing history when predetermined payment processing data is generated through the payment processing unit 125. It characterized in that to generate.

The information generation / extraction unit 135 of the payment processing device (or server) 100 generates predetermined payment processing corresponding to the payment processing history when predetermined payment processing data is generated through the payment processing unit 125. It is characterized by generating the resulting data (eg, tickets, tickets, etc.).

In addition, the information generating / extracting unit 135, when the payment processing related data such as tickets, tickets, etc. corresponding to the payment processing history generated through the payment processing unit 125 is stored in the storage medium, the payment processing And extracting related data.

The information transmitting unit 140 of the payment processing apparatus (or server) 100 may include payment processing history data generated through the payment processing unit 125 and / or receipt data generated through the information generating unit 130. Alternatively, the payment processing related data generated or extracted through the information generation / extraction unit 135 may be transmitted to the customer wireless terminal 160 and / or a device on a network.

On the other hand, the payment processing device (or server) 100 is characterized in that it comprises a recording medium recording a computer-readable program for executing a function provided through the at least one or more function configuration unit described above.

The recording medium on which the computer-readable program is recorded may include a magnetic medium including a hard disk, a floppy disk, a magnetic tape, a CD-ROM, a DVD, and the like. Magnetic-Optical Medium, including Optical Medium, Floppy Disk, etc., and ROM, RAM, Flash Memory, etc. Hardware devices specifically configured to store and execute program instructions, such as;

In addition, the program instructions may include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.

According to a preferred embodiment, as shown in Fig. 1, the customer may display the “Averland” logo and / or image provided at the “Averland” ticket office or the ticket office for the “Averland” entrance or ticket purchase. If the input is made with a camera or the like provided at 160 and inputs (or selects) payment information corresponding to the admission ticket or a ticket, and transmits it to the payment processing apparatus (or server) 100, the payment processing apparatus (or server) In operation 100, the storage medium illustrated in FIG. 2 may be searched to confirm that the company (or store) corresponding to the logo and / or image transmitted from the wireless terminal 160 is “Averland”.

Also, the payment processing apparatus (or server) 100 confirms that the logo and / or image transmitted by the customer wireless terminal 160 is the logo and / or image of “Averland”, and is shown in FIG. 3 below. Search the stored storage medium (2) (155), check the payment account information of the "Averland", and withdraw the corresponding payment amount from the customer payment account included in the payment information transmitted from the customer wireless terminal 160 Can be deposited into the "Averland" deposit account.

Hereinafter, information stored in at least one or more storage media shown in FIG. 1 will be described in more detail with reference to FIGS. 2 and 4.

In addition, as described above, the storage medium information shown in FIGS. 2, 3, and 4 are separately shown and described, but this is only one embodiment, and the storage medium information is stored on one storage medium. It can be integrated into the configuration.

2 is an exemplary data table for an information storage medium (1) 150 according to an embodiment of the present invention.

2 is stored information stored in a storage medium (1) 150 in which predetermined information for performing payment processing using a logo and / or image data of a company (or a store) according to an exemplary embodiment of the present invention is stored. An example of a simple data table for.

Referring to FIG. 2, the storage information stored in the illustrated storage medium (1) 150 is used when using a predetermined service and / or purchasing a predetermined product (or article) according to the present invention. And / or a logo and / or image data of a company (or store) providing a product (or article) is input through an image input means such as a camera provided in the wireless terminal 160 of the customer, and the received logo and / or When image data and payment information for the service and / or goods (or goods) are provided to the payment processing device (or server) 100 via a wireless communication network, the payment processing device (or server) 100 Characterized in that the logo and / or image data transmitted from the customer wireless terminal 160 includes information required to identify the logo and / or image data of any company (or store).

According to this figure, the storage medium (1) 150, the company (or store) information, and the logo and / or image data of the company (or store) is characterized in that the inter-processing and storage.

In addition, the company (or store) information and the corresponding logo and / or image data may be classified and stored through a predetermined category. In FIG. 2, "amusement park", "restaurant", ..., etc. are classified, but the company (or store) information and the corresponding logo and / or image data are further classified into large, medium, and small categories. It can be stored through the classified classification.

3 is an exemplary data table for an information storage medium (2) 155 according to an embodiment of the present invention.

3 illustrates storage information stored in storage media 2 and 155 interoperating with the payment processing unit 125 and the information storage unit 145 of the payment processing apparatus (or server) 100 shown in FIG. As an example, referring to FIG. 3, the storage information stored in the illustrated storage medium 2 or 155 may be stored in the payment processing device (or server) 100 in the storage medium 1 (shown in FIG. 2). 150) after confirming the company (or store) information corresponding to the logo and / or image data transmitted from the customer wireless terminal 160 with reference to the information, the company (or store) corresponding to the company (or store) information A) it includes information required to confirm the payment account information.

According to FIG. 3, the storage medium (2) (155) is characterized in that the company (or store) information and the payment account information of the company (or store) is stored in a mutually interrelated process.

In addition, the storage medium (2) 155 may be configured to further include at least one customer payment processing history information for transmitting the logo and / or image data of the company (or store).

According to a preferred embodiment, the deposit account information may exist at least one corresponding to the company (or store), wherein at least one deposit account corresponding to the company (or store) is the company (or Store) may exist to correspond to the number of logos and / or image data registered (or stored), and the deposit account may be a predetermined virtual account set for the implementation of the present invention.

4 is a diagram illustrating a simple data table for payment processing information stored in an information storage medium according to an exemplary embodiment of the present invention.

FIG. 4 illustrates at least one customer requesting payment by transmitting logo and / or image data of the company (or store) among the stored information stored in the storage medium (2) 155 of FIG. 3 described above. An illustration of payment processing history.

Referring to FIG. 4, the customer payment processing history includes payment request customer identification information, customer payment account information, payment occurrence date information, payment amount information, receipt information generated in response to the corresponding payment processing, admission ticket / Ticket information and / or admission ticket / ticket status, etc. may be included.

However, the information included in the customer payment process shown is not limited to FIG. 4, and it is revealed that modification and / or deletion and / or addition are possible in accordance with the needs of those skilled in the art in the implementation process of the present invention.

5 is a simple flowchart illustrating a process of performing payment processing according to an embodiment of the present invention.

Figure 5 is a payment on the network with the payment information by entering the logo and / or image data of the company (or store) associated with the payment target service (or product) through the wireless terminal 160 owned by the customer in accordance with the present invention When transmitted to the processing device (or server) 100, the company (or store) information corresponding to the logo and / or image data of the transmitted company (or store) in the payment processing device (or server) 100 By confirming, for a payment requested from the customer wireless terminal 160 is a simple embodiment of the process of depositing the payment account of the customer (or store) from the payment account of the customer.

Referring to FIG. 5, in the payment processing process according to the illustrated exemplary embodiment, specific logo and / or image data of at least one or more companies (or stores) may be displayed in the payment processing device (or server) 100. And store information in a predetermined storage medium (1) 150 in association with information).

According to a preferred embodiment, the specific logo and / or image data is input through the image input means provided in the customer wireless terminal 160 (505), and predetermined through the key input means provided in the customer wireless terminal 160. When payment information is input and payment account information is input (or selected) (510), the payment processing device (or server) in the customer wireless terminal 160 for payment processing using the input specific logo and / or image data In step 515, the input (or selected) payment information and the specific logo and / or image data are transmitted.

The information receiving unit 105 of the payment processing device (or server) 100 receives the input (or selected) payment information and specific logo and / or image data from the customer wireless terminal 160 (520), In connection with the storage medium (1) 150 shown in FIG. 2, the user (or store) information corresponding to the received specific logo and / or image data is identified (525).

Here, if the company (or store) information corresponding to the specific logo and / or image data received via the information receiving unit 105 through the storage medium (1) 150 is not confirmed (530), payment processing apparatus The verification unit 110 of the server 100 determines that payment processing using a specific logo and / or image data according to the present invention is impossible, and the transmission unit of the payment processing device (or server) 100 ( In operation 535, the client wireless terminal 160 may transmit a message about the failure to confirm the company (or store) information corresponding to the specific logo and / or image data.

However, if the information checking unit 110 confirms the company (or store) information corresponding to the specific logo and / or image data received through the information receiving unit 105 in the storage medium (1) 150 ( 540, the information checking unit 110 transmits the company (or store) information corresponding to the specific logo and / or image data identified through the storage medium (1) 150 to the information reading unit 115. do.

Then, the information reading unit 115 corresponds to the company (or store) information identified through the information checking unit 110 in association with the storage medium (2) 155 shown in FIG. The company (or store) deposit account information is read (545), and the read company (or store) deposit account information is provided to the payment processing unit 125.

The payment processor 125 may withdraw the payment amount corresponding to the payment information from the customer payment account with reference to the customer payment information transmitted from the customer wireless terminal 160 (550).

If the payment processing unit 125 withdraws the payment amount corresponding to the payment information from the customer payment account, the payment amount from the customer payment account is normal due to lack of the customer's payment account balance or the like. If the withdrawal is not made (555), the payment processing unit 125 in conjunction with the information transmitting unit 140, the withdrawal failure message and / or payment failure message from the customer payment account to the customer wireless terminal 160 and And / or another payment method selection message may be transmitted (560).

On the other hand, if the payment amount corresponding to the payment information is normally withdrawn from the customer payment account (565), the payment processing unit 125 deposits the payment amount withdrawn from the customer account to the company (or store) payment account. Process 570.

When the normal payment processing is completed to the deposit account of the company (or store) corresponding to the logo and / or image data transmitted from the customer wireless terminal 160 through the process, the payment processing device (or server) 100 The information storage unit 145 stores the payment processing history according to the payment processing of the payment processing unit 125 in a predetermined storage medium (575).

In addition, the information generation unit 130 of the payment processing device (or server) 100 generates or extracts a payment receipt (admission ticket, ticket, etc.) data corresponding to the payment processing details from a predetermined storage medium (580). The payment receipt (entry ticket, ticket, etc.) generated or extracted is the customer wireless terminal 160 and / or the payment receipt (entry ticket) through the information transmitting unit 140 of the payment processing device (or server) 100. , A ticket, etc.) is transmitted 585 to the device (or server) 165 on the required network.

6 is a simplified block diagram of a payment processing system 600 according to an embodiment of the present invention.

6 is an embodiment of the payment processing system 600 according to the present invention, the payment processing system shown is a company (or shop) corresponding to a specific logo and / or image data and the specific logo and / or image data A storage medium for linking and storing information data, information receiving means 610 and / or information checking means 630 and / or information transmitting means 615 and / or information generating means 625 and / or information. Information processing system 605 having at least one or more generating / extracting means 635 and / or payment approval full text generating means (not shown separately) and / or decryption processing means 620 and the like, and functions of payment processing means. It may be configured to include a payment (or finance) system 645 having a.

However, FIG. 6 is one embodiment for better understanding of the present invention, and at least one or more functional means included in the information processing system 605 may be implemented in the form of each device (or server). It is revealed.

Referring to FIG. 6, after inputting the specific logo and / or image data input from the customer wireless terminal 160, the information processing system in which the specific logo and / or image data and predetermined payment information data are shown ( 605, the information receiving means 610 of the information processing system 605 receives the specific logo and / or image data and predetermined payment information data transmitted from the customer wireless terminal 160.

In addition, the information checking means 630 of the information processing system 605, in association with the storage medium, the company (or store) corresponding to the specific logo and / or image data received by the information receiving means 610. After confirming the information, the confirmed company (or store) information data and / or the customer payment account information (and / or customer information, etc.) are transmitted to the external module 650 on the payment system 645.

Then, the external module 650 on the payment system 645 is connected to the DBMS (DataBase Management System) through the intermodule interface 665, and the company (or store) information received from the information processing system 605. Confirm the company (or store) deposit account corresponding to.

And checking the customer payment account information, withdrawing the payment amount corresponding to the payment information from the customer payment account, and depositing the payment amount withdrawn from the customer payment account of the confirmed company (or store). Make a deposit into your account. In addition, the payment processing details of the deposit processing is transferred to the information processing system 605 to generate (or extract) a receipt (or a ticket or an admission ticket) for the payment processing details.

More specifically, the financial system 645 shown in FIG. 6 includes an accounting module 655 for a window service such as credit or reception or trust or foreign exchange occurring in at least one branch, and processing and branch information of the headquarters. Information electronics module 660 for support and customer relationship management, the financial system 645 and the home, businesses, retail stores and other external computer networks (for example, the information processing system shown in Figure 6) to connect a variety of electronic finance External module 650 that provides services (e.g., Internet banking, phone banking, Cash Dispenser) / Automatic Teller Machine (ATM), line transfer, call center, financial settlement), and configuration within the financial system 645 Inter-module interface 665 corresponding to middleware that provides an inter-element interface, and predetermined information required for performing each function in a component in the financial system (for example, customer source). It includes a DBMS (Database Management System) that stores and manages financial accounts (or financial products) or customer ledger information or management information.The types of financial institutions (eg, commercial banks, savings banks, trust banks, Credit card company) and at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), and international module (not shown) may be further included according to the purpose and characteristics of the financial system. .

7 is a block diagram showing a payment processing device (or server) 100 on the payment processing system according to an embodiment of the present invention.

Referring to FIG. 7, the payment processing system includes a storage medium for linking and storing specific logo and / or image data and deposit account information data of a company (or store) corresponding to the specific logo and / or image data; Receive the specific logo and / or image data and payment information transmitted from the customer wireless terminal 160, to confirm the company (or store) payment account information corresponding to the received specific logo and / or image data, It may be configured to have a payment processing device (or server) 100 that performs a predetermined payment processing with reference to the received payment information.

In more detail, the payment processing apparatus (or server) 100 shown in FIG. 7 performs an information receiving unit 105 and decryption in order to perform a payment processing function corresponding to specific logo and / or image data according to the present invention. Processor 120, reader 115, information storage 145, information transmitter 140, information generator 130, information generator / extracter 135 and / or payment processor 125 (or an external payment system).

Referring to FIG. 7, the information receiving unit 105 inputs the specific logo and / or image data from a customer wireless terminal to a predetermined image input means, and then the specific logo and / or image data and predetermined payment information data. When transmitting, it is characterized in that for receiving.

In this case, the payment information transmitted from the customer wireless terminal 160 may include at least one payment amount information, payment merchant information, and customer financial account information.

In addition, although not shown in FIG. 7, when the illustrated payment processing apparatus (or server) 100 receives payment amount information as payment information transmitted from the wireless terminal 160, the payment processing apparatus (or server) 100 is received from the wireless terminal 160. It may further include a customer authentication unit for receiving and confirming predetermined customer authentication information (eg, payment means information, payment means secret information, customer personal authentication information (eg, social security number, etc.)).

The decryption processing unit 120 is encrypted when the specific logo and / or image data and the predetermined payment information transmitted from the customer wireless terminal 160 are encrypted by a predetermined encryption algorithm. And decoding specific received logo and / or image data and predetermined payment information.

Here, the process of decrypting payment information of the decryption processor 120 will be omitted with reference to the function of the decryption processor 120 described with reference to FIG. 1.

The information reading unit 115 is associated with a storage medium that stores and stores a specific logo and / or image data and a company (or store) deposit account information data corresponding to the specific logo and / or image data. The corporate (or store) deposit account information data corresponding to the specific logo and / or image data received by the receiving unit 105 is read, and the read corporate (or store) deposit account information data is sent to the payment processing unit 125. It is characterized by transmitting.

The payment processing unit 125 withdraws the payment amount corresponding to the payment information data received by the receiving unit 105 from the customer financial account and transfers the payment amount to the company (or store) payment account read by the reading unit 115. It is characterized in that the deposit processing.

In addition, the payment processing unit 125 is provided in the illustrated payment processing device (or server) 100, or in the form of a payment processing system (or server) in conjunction with the payment processing device (or server) 100. Can be provided on the network.

The information storage unit 145 of the payment processing device (or server) 100, the payment amount withdrawn from the customer financial account through the payment processing unit 125 is deposited into the company (or store) payment account payment When the processing is completed, the payment processing history data of the payment processing unit 125 may be stored in a predetermined storage medium.

The predetermined information generating unit 130 of the payment processing apparatus (or server) 100 generates predetermined payment receipt data corresponding to the payment processing history when predetermined payment processing data is generated through the payment processing unit 125. It characterized in that to generate.

The information generation / extraction unit 135 of the payment processing device (or server) 100 generates predetermined payment processing corresponding to the payment processing history when predetermined payment processing data is generated through the payment processing unit 125. It is characterized by generating the resulting data (eg, tickets, tickets, etc.).

In addition, the information generating / extracting unit 135, when the payment processing related data such as tickets, tickets, etc. corresponding to the payment processing history generated through the payment processing unit 125 is stored in the storage medium, the payment processing And extracting related data.

The information transmitting unit 140 of the payment processing apparatus (or server) 100 may include payment processing history data generated through the payment processing unit 125 and / or receipt data generated through the information generating unit 130. Alternatively, the payment processing related data generated or extracted through the information generation / extraction unit 135 may be transmitted to the customer wireless terminal 160 and / or a device on a network.

On the other hand, the payment processing device (or server) 100 is characterized in that it comprises a recording medium recording a computer-readable program for executing a function provided through the at least one or more function configuration unit described above.

8 is a diagram illustrating a simple data table for payment processing information stored in an information storage medium according to an embodiment of the present invention.

FIG. 8 illustrates predetermined information for performing payment processing using logo and / or image data of a company (or store) according to the present invention in connection with the payment processing apparatus (or server) 100 provided in FIG. An example of a simple data table for storage information stored in the storage medium (1) 150 in which is stored.

Referring to FIG. 8, the storage information stored in the illustrated storage medium (1) 150 may be classified and stored through a predetermined classification item, like the storage medium information illustrated in FIG. 2 described above. In accordance with the invention, when using a certain service and / or purchasing a certain product (or object), the logo and / or image data of the company (or store) providing the service and / or product (or object) may be used. Received through image input means such as a camera provided in the wireless terminal 160, the payment information for the received logo and / or image data and the service and / or goods (or goods) through the wireless communication network When provided to the processing device (or server) 100, the company (or shop) associated with the logo and / or image data transmitted from the customer wireless terminal 160 in the payment processing device (or server) 100 ) Characterized in that the information required to confirm the umbilical deposit account information.

According to FIG. 8, the storage medium (1) 150 stores the logo and / or image data of the company (or store) and the deposit account information of the company (or store) in association with each other. It is done.

9 is a simple flowchart illustrating a process of performing payment processing according to an embodiment of the present invention.

Figure 9 is a payment on the network with the payment information by entering the logo and / or image data of the company (or store) associated with the payment target service (or product) through the wireless terminal 160 owned by the customer in accordance with the present invention When transmitted to the processing device (or server) 100, the payment processing device (or server) 100 of the company (or store) corresponding to the logo and / or image data of the transmitted company (or store) It is a simple embodiment of the process of confirming the payment account information, the process of depositing the payment from the customer's payment account to the payment account of the confirmed company (or store) for the payment requested from the customer wireless terminal 160.

Referring to FIG. 9, the payment processing process according to the exemplary embodiment of the present disclosure may include specific logo and / or image data of at least one or more companies (or stores) in the payment processing apparatus (or server) 100. In operation 900, the process may be performed in the storage medium 1 and 150 in association with the deposit account information of the store.

The specific logo and / or image data is input through the image input means provided in the customer wireless terminal 160 (905), and the predetermined payment information is input through the key input means provided in the customer wireless terminal 160. When payment account information is input (or selected) (910), the payment processing device (or server) 100 from the customer wireless terminal 160 to the payment processing using the input specific logo and / or image data The input (or selected) payment information and the specific logo and / or image data are transmitted (915).

The information receiving unit 105 of the payment processing device (or server) 100 receives the input (or selected) payment information and specific logo and / or image data from the customer wireless terminal 160 (920), The information reader 115 reads deposit account information of a company (or store) corresponding to the received specific logo and / or image data in association with the storage medium (1) 150 shown in FIG. In operation 925, the read company (or store) payment account information may be provided to the payment system (or payment processing unit) shown in FIG.

Then, the payment system (or payment processing unit) withdraws the payment amount corresponding to the payment information from the customer payment account with reference to the customer payment information transmitted from the customer wireless terminal 160 (930).

If the payment system (or payment processing unit) withdraws the payment amount corresponding to the payment information from the customer payment account, the payment amount from the customer payment account due to the lack of the customer's payment account balance or the like. If the normal withdrawal is not made (935), the payment system (or payment processing unit) is linked to the information transmitting unit 140 of the payment processing device (or terminal) to the customer wireless terminal 160 to the customer payment. The withdrawal failure message and / or payment failure message and / or another payment method selection message may be transmitted from the account (940).

On the other hand, if the payment amount corresponding to the payment information from the customer payment account is normally withdrawn (945), the payment system (or payment processing unit) the payment amount withdrawn from the customer account (the store) In order to process the deposit into the deposit account (950).

When the normal payment processing is completed to the deposit account of the company (or store) corresponding to the logo and / or image data transmitted from the customer wireless terminal 160 through the process, the payment system (or payment processing unit) is the payment The transaction is transmitted to the payment processing device (or server) 100, and the information storage unit 145 of the payment processing device (or server) 100 is the payment processing provided from the payment system (or payment processing unit). The details are stored in a predetermined storage medium (955).

In addition, the information generation unit 130 of the payment processing device (or server) 100 generates or extracts payment receipt (admission ticket, ticket, etc.) data corresponding to the payment processing history from a predetermined storage medium (960). The payment receipt (entry ticket, ticket, etc.) generated or extracted is the customer wireless terminal 160 and / or the payment receipt (entry ticket) through the information transmitting unit 140 of the payment processing device (or server) 100. A ticket, etc.) may be sent to a device (or server) 165 on the required network (965).

10 is a block diagram showing a payment processing device (or server) 100 on the payment processing system according to an embodiment of the present invention.

Referring to FIG. 10, the payment processing system includes a storage medium for linking and storing a specific logo and / or image data and affiliated store identification information data corresponding to the specific logo and / or image data, and the customer wireless terminal 160. Receive the specific logo and / or image data and payment information transmitted from, to confirm the merchant identification information data corresponding to the received specific logo and / or image data, the predetermined payment by referring to the received payment information It may be configured to have a payment processing device (or server) 100 to perform the process.

In more detail, the payment processing apparatus (or server) 100 shown in FIG. 10 may perform an information receiving unit 105 and decryption in order to perform a payment processing function corresponding to specific logo and / or image data according to the present invention. The processing unit 120, the reading unit 115, the information storing unit 145, the information transmitting unit 140, the payment approval information generating unit 130, the information generating / extracting unit 135, and / or It may be configured to include a payment processing unit 125 (or an external payment system).

Referring to FIG. 10, the information receiving unit 105 inputs the specific logo and / or image data from a customer wireless terminal to a predetermined image input means, and then the specific logo and / or image data and predetermined payment information data. When transmitting, it is characterized in that for receiving.

Here, the payment information transmitted from the customer wireless terminal 160 may include at least one payment amount information, payment merchant identification information, and customer payment means information.

In addition, as shown in FIG. 1 or FIG. 7, the payment processing apparatus (or server) 100 receives payment amount information as payment information transmitted from the wireless terminal 160. In this case, the mobile terminal 160 may further include a customer authentication unit for receiving and confirming predetermined customer authentication information (eg, payment means information, payment means secret information, customer personal authentication information (eg, social security number, etc.)). have.

The decryption processing unit 120 is encrypted when the specific logo and / or image data and the predetermined payment information transmitted from the customer wireless terminal 160 are encrypted by a predetermined encryption algorithm. And decoding the received specific logo and / or image data and predetermined payment information. The decoding information processing process of the decryption processing unit 120 performs the function of the decryption processing unit 120 described in FIG. Reference will be omitted.

The information reading unit 115 may be connected to a storage medium that associates and stores a specific logo and / or image data and affiliated store identification information data corresponding to the specific logo and / or image data. Read the merchant identification data corresponding to the received specific logo and / or image data, and the company (or store) payment account information data corresponding to the read merchant identification information data payment system (or payment processing unit 125) Characterized in that delivered to.

The payment system (or payment processing unit 125) may include payment information and data corresponding to affiliated store identification information read by the reader 115 and payment information data received by the receiver 105 and the customer payment means. It is characterized in that the payment approval of the payment amount using the information data.

The information storage unit 145 of the payment processing apparatus (or server) 100 processes the payment approval of the payment amount using the payment amount information data and the customer payment means information data through the payment processing unit 125. If so, the payment processing history data of the payment system (or payment processing unit 125) is stored in a predetermined storage medium.

The payment approval information generation unit 130 of the payment processing device (or server) 100 generates a predetermined payment processing history data through the payment system (or the payment processing unit 125). And generating corresponding payment approval information and / or payment history receipt data.

The information generation / extraction unit 135 of the payment processing device (or server) 100 corresponds to the payment processing history when predetermined payment processing data is generated through the payment system (or the payment processing unit 125). And generating predetermined payment processing result (eg, admission ticket, ticket, etc.) data.

In addition, the information generating / extracting unit 135 stores payment processing related data such as admission tickets and tickets corresponding to the payment processing history generated through the payment system (or the payment processing unit 125) in the storage medium. In this case, the payment processing related data may be extracted.

The information transmitting unit 140 of the payment processing apparatus (or server) 100 is generated through the payment processing history data and / or the information generating unit 130 generated through the payment system (or the payment processing unit 125). The received receipt data and / or payment processing related data generated or extracted through the information generation / extraction unit 135 to the customer wireless terminal 160 and / or a device on a network.

On the other hand, the payment processing device (or server) 100 is characterized in that it comprises a recording medium recording a computer-readable program for executing a function provided through the at least one or more function configuration unit described above.

11 is a diagram illustrating a simple data table for payment processing information stored in an information storage medium according to an embodiment of the present invention.

FIG. 11 illustrates predetermined information for performing payment processing using logo and / or image data of a company (or a shop) according to the present invention in connection with the payment processing apparatus (or server) 100 provided in FIG. An example of a simple data table for storage information stored in the storage medium (1) 150 in which is stored.

Referring to FIG. 11, in the illustrated storage medium (1) 150, logo and / or image data of a corresponding affiliate store and the affiliated store identification information are stored in association with each other.

In addition, the storage information stored in the storage medium (1) 150, when using a predetermined service and / or purchasing a predetermined product (or object) according to the present invention, the service and / or product ( Or object) a logo and / or image data of a providing company (or a store) is input through an image input means such as a camera provided in the wireless terminal 160 of the customer, and the received logo and / or image data and the service are provided. And / or when the payment information for the goods (or goods) is provided to the payment processing device (or server) 100 through a wireless communication network, the payment processing device (or server) 100 in the customer wireless terminal ( And information required to confirm affiliated store identification information associated with the logo and / or image data transmitted from 160.

12 is a simple flowchart of a process of payment processing according to an embodiment of the present invention.

Figure 12 is a payment on the network with the payment information by entering the logo and / or image data of the company (or store) associated with the payment target service (or product) through the wireless terminal 160 owned by the customer in accordance with the present invention When transmitted to the processing device (or server) 100, the payment processing device (or server) 100 confirms the merchant-specific identification information corresponding to the logo and / or image data of the transmitted company (or shop) Thus, a simple embodiment of a process for depositing a payment account corresponding to the identified merchant identification information from the payment account of the customer for the payment requested from the customer wireless terminal 160.

Referring to FIG. 12, a payment processing process according to an exemplary embodiment of the present disclosure may include specific logo and / or image data of at least one or more companies (or stores) or affiliated stores in the payment processing apparatus (or server) 100. In operation 1200, the process may be performed in a process of storing in a predetermined storage medium (1) 150 in association with the affiliated store's unique identification information.

The specific logo and / or image data is input through the image input means provided in the customer wireless terminal 160 (1205), and predetermined payment information is input through the key input means provided in the customer wireless terminal 160. When the payment account information is input (or selected) (1210), the customer wireless terminal 160 to the payment processing device (or server) 100 for payment processing using the input specific logo and / or image data. The input (or selected) payment information and the specific logo and / or image data are transmitted (1215).

The information receiving unit 105 of the payment processing device (or server) 100 receives the input (or selected) payment information and specific logo and / or image data from the customer wireless terminal 160 (1220). In operation 1225, the information reader 115 reads affiliate store specific identification information corresponding to the received specific logo and / or image data in association with the storage medium 1 and 150 illustrated in FIG. 11. .

If the affiliate store identification information corresponding to the received specific logo and / or image data is not read (1230), the information transmitting unit 140 of the payment processing apparatus (or server) 100 is the customer wireless terminal. In operation 1235, a failure message read-out (confirmation) failure message corresponding to the specific logo and / or image data may be transmitted to 160.

On the other hand, if the affiliate store's unique identification information corresponding to the received specific logo and / or image data is read (1240), the read the affiliated store's unique identification information and the payment information (for example, payment amount information, customer payment means information, etc.) ) Is provided to the payment system (or payment processing unit) shown in FIG. 10, and the payment system (or payment processing unit) performs payment processing through the merchant identification information, the payment amount and customer payment means information. (1245).

When the payment processing process is successfully performed as described above, the payment system (or payment processing unit) transmits the payment processing history to the payment processing device (or server) 100, and the payment processing device (or server) ( Information storage unit 145 of 100 stores the payment processing history provided from the payment system (or payment processing unit) in a predetermined storage medium (1250).

In addition, the information generation unit 130 of the payment processing device (or server) 100 generates or extracts a payment receipt (admission ticket, ticket, etc.) data corresponding to the payment processing details from a predetermined storage medium (1255). The information transmitting unit 140 of the payment processing device (or server) 100 transmits the generated or extracted payment receipt (admission ticket, ticket, etc.) to the customer wireless terminal 160 and / or the payment receipt (admission ticket, A ticket, etc.) is transmitted to the device (or server) 165 on the required network (1260).

According to the present invention, there is provided a camera capable of mounting or detaching an IC chip equipped with a predetermined financial account (and / or payment means) and inputting logo and / or image data of a specific company (or store) as predetermined image data. In the equipped wireless terminal, a logo and / or image data of the company (or a store) is photographed by a camera provided in the wireless terminal to receive predetermined image data, and the image data and the IC chip are provided. By providing a predetermined electronic payment service without a payment terminal by interlocking a financial account (and / or payment means), the electronic payment is also possible at outdoor concert halls and / or outdoor event halls and / or outdoor amusement parks where the payment terminal is difficult to provide. There is an advantage in providing a service.

Claims (41)

A storage medium for linking and storing specific logo and / or image data and company (or store) information data corresponding to the specific logo and / or image data; Information receiving means for receiving the specific logo and / or image data and then transmitting the specific logo and / or image data and predetermined payment information data through a predetermined image input means in a customer wireless terminal; In connection with the storage medium, after confirming the company (or store) information corresponding to the specific logo and / or image data received by the information receiving means, and provides the confirmed company (or store) information data to the payment processing means Information confirming means; And A company (or store) that conforms to the company (or store) information data provided by the information checking means in association with a predetermined storage medium storing the company (or store) information data and the company (or store) deposit account information data. Payment processing means for reading the payment account information data, withdrawing the payment amount corresponding to the payment information data received by the information receiving means from the customer financial account and depositing the money into the read company (or store) payment account; Payment processing system characterized in that it comprises a. A storage medium for linking and storing specific logo and / or image data and company (or store) deposit account information data corresponding to the specific logo and / or image data; Information receiving means for receiving the specific logo and / or image data and then transmitting the specific logo and / or image data and predetermined payment information data through a predetermined image input means in a customer wireless terminal; In connection with the storage medium, the company (or store) payment account information data corresponding to the specific logo and / or image data received by the information receiving means is read, and the payment information data received by the information receiving means And payment processing means for depositing a payment amount from the customer's financial account and then depositing the payment amount into the read company (or store) deposit account. A storage medium for linking and storing specific logo and / or image data and affiliated store identification information data corresponding to the specific logo and / or image data; Information receiving means for receiving the specific logo and / or image data and then transmitting the specific logo and / or image data and predetermined payment information data through a predetermined image input means in a customer wireless terminal; The affiliated store identification data corresponding to the specific logo and / or image data received by the information receiving unit is read in association with the storage medium, and the read affiliated store identification data and the payment information data received by the information receiving unit. And payment processing means for processing the payment approval of the payment amount by using the payment amount information data and the customer payment means information data corresponding to the payment processing system. The method according to claim 1 or 2 or 3, And payment information storing the payment processing history data of the payment processing means in a predetermined storage medium. The method according to claim 1 or 2 or 3, And payment information transmitting means for transmitting the payment processing history data of the payment processing means to the wireless terminal (and / or a device on the network). The method according to claim 1 or 2 or 3, Information generating means for generating predetermined payment receipt data in response to payment processing details of the payment processing means; And And information transmission means for transmitting the generated payment receipt data to the wireless terminal (and / or a device on a network). The method according to claim 1 or 2 or 3, Information generation / extraction means for generating predetermined payment processing result (admission ticket, ticket, etc.) data corresponding to the payment processing history of the payment processing means or extracting the data in association with a predetermined storage medium; And And information transmission means for transmitting the generated or extracted payment processing result (admission ticket, ticket, etc.) data to the wireless terminal (and / or a device on a network). The method of claim 3, wherein Payment approval text generation means for generating predetermined payment approval text data corresponding to payment approval of the payment processing means; And And a payment approval text transmission means for transmitting the generated payment approval text data to an affiliated store terminal (or server) and / or the wireless terminal corresponding to the affiliated store identification information data. The method according to claim 1 or 2 or 3, And the decryption processing means for decrypting the information data provided by the wireless terminal by a predetermined encryption algorithm. The method according to claim 1 or 2 or 3, wherein the information receiving means, And receiving, from the wireless terminal, predetermined customer information including at least one of the customer identification information, the customer authentication information, the customer financial account (or payment means) information, and the wireless terminal identification information. Payment processing system. The method of claim 3, wherein Payment approval request message generation means for generating a predetermined payment approval request message using the payment amount information data and the customer payment means information data corresponding to the read affiliate store identification information data and the payment information data received by the information receiving means; ; And And further receiving predetermined customer information, further comprising: a payment approval request message transmission means for transmitting the generated payment approval request message to a VAN operator server associated with the payment processing means and / or the payment processing means. Payment processing system. The method of claim 1 or 2, wherein the payment information, And at least one payment amount information, payment merchant information, and customer financial account information. The method of claim 3, wherein the payment information, And at least one payment amount information, payment merchant identification information, and customer payment means information. The method of claim 1, wherein the image data, A series of information is encoded and stored in a predetermined pattern, image data, one-dimensional barcode image data, two-dimensional bar code image data representing black and white bars in a grid on a two-dimensional plane, and three-dimensional three-dimensional bars of black and white bars. And at least one three-dimensional bar code image data represented by a color, gray code image data expressing a mixture of black and white and gray, and color code image data represented by a color color. An information storage step of linking a specific logo and / or image data and company (or store) information data corresponding to the specific logo and / or image data in a predetermined information storage means and storing the same in a predetermined storage medium; An information receiving step of receiving predetermined logo and / or image data and predetermined payment information data transmitted from the customer wireless terminal in the predetermined information receiving means; After confirming the company (or store) information corresponding to the logo and / or image data received through the information receiving step in connection with the storage medium in a predetermined information checking means, the confirmed company (or store) information data An information checking step of providing the payment processing means; And A company that matches the company (or store) information data in association with a predetermined storage medium storing the company (or store) information data and the company (or store) deposit account information data in a predetermined payment processing means ( Or a) a payment processing step of reading the payment account information data, withdrawing the payment amount corresponding to the payment information data from the customer financial account and depositing the money into the read company (or store) payment account; Payment processing method characterized in that made. An information storing step of linking a specific logo and / or image data and a company (or store) deposit account information data corresponding to the specific logo and / or image data in a predetermined information storage means and storing the same in a predetermined storage medium; An information receiving step of receiving predetermined logo and / or image data and predetermined payment information data transmitted from the customer wireless terminal in the predetermined information receiving means; Read a company (or store) deposit account information data corresponding to the received specific logo and / or image data in connection with the storage medium in a predetermined payment processing means, and the payment amount corresponding to the payment information data And a payment processing step of depositing the read-out company (or store) deposit account after withdrawing from a customer financial account. An information storing step of linking specific logo and / or image data and affiliated store identification information data corresponding to the specific logo and / or image data in a predetermined information storage means and storing the same in a predetermined storage medium; An information receiving step of receiving predetermined logo and / or image data and predetermined payment information data transmitted from the customer wireless terminal in the predetermined information receiving means; A merchant payment information is read by a predetermined payment processing means in association with the storage medium, and the payment information corresponding to the read merchant data and payment information is read. And a payment processing step of processing the payment approval of the payment amount by using the amount information data and the customer payment means information data. The method according to claim 15 or 16 or 17, And storing the payment processing history data of the payment processing means in a predetermined storage medium in a predetermined information storage means. The method according to claim 15 or 16 or 17, And transmitting the payment processing history data of the payment processing means to a wireless terminal (and / or a device on a network) in a predetermined information transmitting means. The method according to claim 15 or 16 or 17, An information generating step of generating predetermined payment receipt data corresponding to payment processing details of the payment processing means by predetermined information generating means; And And an information transmission step of transmitting the generated payment receipt data to a wireless terminal (and / or a device on a network) by a predetermined information transmission means. The method according to claim 15 or 16 or 17, An information generation / extraction step of generating, by the predetermined information generating / extracting means, extracting predetermined payment processing result (admission ticket, ticket, etc.) data corresponding to the payment processing history of the payment processing means or in association with a predetermined storage medium; And And an information transmitting step of transmitting the generated or extracted payment processing result (admission ticket, ticket, etc.) data to a wireless terminal (and / or a device on a network) by a predetermined information transmitting means. Treatment method. The method of claim 17, A payment approval text generation step of generating predetermined payment approval text data corresponding to the payment approval of the payment processing means by a predetermined information generating means; And And a payment approval message transmission step of transmitting the generated payment approval message data by a predetermined information transmission means to an affiliated store terminal (or server) and / or the wireless terminal corresponding to the affiliated store identification information data. Payment processing method. The method according to claim 15 or 16 or 17, And a decryption processing step of decrypting the predetermined data by the predetermined decryption processing means when the information data provided by the wireless terminal is encrypted by a predetermined encryption algorithm. The method of claim 15 or 16 or 17, wherein the information receiving step, And receiving, from the wireless terminal, predetermined customer information including at least one of the customer identification information, the customer authentication information, the customer financial account (or payment means) information, and the wireless terminal identification information. Payment processing method. The method of claim 17, The predetermined payment approval request message is generated by using the affiliated store identification information data read by the predetermined payment approval request message generating means, the payment amount information data corresponding to the payment information data received by the information receiving means, and the customer payment means information data. Generating a payment approval request specialized; And A payment approval request message transmission step for transmitting the generated payment approval request message in a predetermined payment approval request message transmission means to a VAN provider server associated with the payment processing means and / or the payment processing means; Payment processing method characterized in that to further receive customer information. The method of claim 15 or 16, wherein the payment information, And at least one payment amount information, payment merchant information, and customer financial account information. The method of claim 17, wherein the payment information, And at least one payment amount information, payment merchant identification information, and customer payment means information. The method according to claim 15 or 16 or 17, wherein the image data, A series of information is encoded and stored in a predetermined pattern, image data, one-dimensional barcode image data, two-dimensional bar code image data representing black and white bars in a grid on a two-dimensional plane, and three-dimensional three-dimensional bars of black and white bars. And at least one or more three-dimensional barcode image data represented by a symbol, gray code image data expressing a mixture of black and white and gray, and color code image data represented by a color color. A computer-readable recording medium having recorded thereon a program for executing the method of claim 15. A computer-readable recording medium having recorded thereon a program for executing the method of claim 16. A computer-readable recording medium having recorded thereon a program for executing the method of claim 17. A receiving unit for receiving the specific logo and / or image data and the predetermined payment information data after inputting the specific logo and / or image data to a predetermined image input means by a customer wireless terminal; A specific logo and / or received by the receiver in association with a predetermined storage medium for linking and storing a specific logo and / or image data and a company (or store) information data corresponding to the specific logo and / or image data. Confirmation unit for confirming the company (or store) information corresponding to the image data; Deposit a company (or store) in accordance with the enterprise (or store) information data provided by the verification unit in association with a predetermined storage medium storing the company (or store) information data and the company (or store) deposit account information data. A reading unit for reading account information data; And And a payment processing unit which withdraws the payment amount corresponding to the payment information data received by the receiving unit from the customer financial account and deposits the payment amount into the company (or store) payment account read by the reading unit. Processing unit. A receiving unit which receives the specific logo and / or image data and transmits the specific logo and / or image data and predetermined payment information data after inputting the specific logo and / or image data to a predetermined image input means by a customer wireless terminal; A specific logo and / or received by the receiving unit in association with a storage medium for linking and storing a specific logo and / or image data and a company (or store) deposit account information data corresponding to the specific logo and / or image data. A reading unit that reads corporate (or store) deposit account information data corresponding to the image data; And And a payment processing unit which withdraws the payment amount corresponding to the payment information data received by the receiving unit from the customer financial account and deposits the payment amount into the company (or store) payment account read by the reading unit. Processing unit. A receiving unit for receiving the specific logo and / or image data and the predetermined payment information data after inputting the specific logo and / or image data to a predetermined image input means by a customer wireless terminal; In response to a specific logo and / or image data received by the receiver in association with a storage medium for linking and storing a specific logo and / or image data and affiliated store identification information data corresponding to the specific logo and / or image data. A reading unit that reads affiliate store identification information data; And And a payment processing unit processing payment approval of the payment amount by using the affiliated store identification information read out by the reader, payment amount information data corresponding to the payment information data received by the receiver, and the customer payment means information data. Payment processing device, characterized in that made. The method of claim 32 or 33, wherein the payment information, And at least one payment amount information, payment merchant information, and customer financial account information. The method of claim 34, wherein the payment information, And at least one payment amount information, payment merchant identification information, and customer payment means information. 35. The method of claim 32 or 33 or 34, wherein the image data, A series of information is encoded and stored in a predetermined pattern, image data, one-dimensional barcode image data, two-dimensional bar code image data representing black and white bars in a grid on a two-dimensional plane, and three-dimensional three-dimensional bars of black and white bars. And at least one or more three-dimensional barcode image data represented by a symbol, gray code image data expressing a mixture of black and white and gray, and color code image data represented by a color. A computer-readable recording medium having recorded thereon a program for executing a function of the apparatus component of claim 32. A computer-readable recording medium having recorded thereon a program for executing a function of the device configuration unit of claim 33. A computer-readable recording medium having recorded thereon a program for executing a function of the apparatus component of claim 34. An image data file storing specific logo and / or image data; And And a company / merchant information data file that stores company (or store) information data and / or company (or store) deposit account information data and / or merchant identification information data. The image data file and the company / merchant information data file correspond to the one-to-one correspondence such that the specific logo and / or image data and the company (or store) deposit account information data and / or merchant identification data are provided in correspondence. Information storage medium, characterized in that for storing the interconnected processing.

Images