KR20110003105A - System for providing online / offline payment service using camera of portable terminal and method thereof - Google Patents

Abstract

The present invention relates to a system for providing an online / offline payment service using a camera of a mobile terminal and a method thereof.

On / offline payment service providing method using a camera of a portable terminal according to the present invention, the process of generating a barcode for payment in the payment management server, and if the barcode is displayed on the user terminal, using the camera of the portable terminal Scanning a barcode, and performing a payment by the portable terminal recognizing the scanning result and interworking with the payment management server.

Barcode, transaction ID, payment

Description

System for providing payment service in on / offline using camera of portable terminal and method

The present invention relates to a system for providing an online / offline payment service using a camera of a mobile terminal and a method thereof, and more particularly, to perform a payment online and offline by scanning a transaction ID for payment using a camera of the mobile terminal. The present invention relates to an on / offline payment service providing system using a camera of a portable terminal and a method thereof.

In recent years, the act of purchasing goods through the Internet has been widely spread, and credit card payment or mobile phone micropayment is widely used as a payment method.

However, the mobile phone micropayment method is a method of performing a payment by downloading an authentication number to a mobile phone and inputting the authentication number.

Thus, the only available methods on and offline are credit card payment methods, and the user has to be inconvenient to possess a credit card for credit card payment.

In order to solve this problem, a technology for downloading a bar code including payment information on the mobile phone on-offline to the mobile phone to read the bar code with a separate bar code reader provided in the store or user computer has been developed.

However, this technique has the inconvenience of having to provide a separate bar code reader.

An object of the present invention is to express a payment transaction on the user terminal (store computer or personal computer) with an ID that can be expressed as a bar code at the time when the payment occurs on-offline and scan the transaction using a camera of the mobile terminal. (Transaction) is recognized, and the customer selects one of several pre-registered payment methods to perform the payment.

In order to provide an on / offline payment service using a camera of a mobile terminal according to the present invention for achieving the above object, a process of generating a barcode for payment in a payment management server, and when the barcode is displayed on the user terminal, And scanning the bar code using a camera of the mobile terminal, and performing the payment by the mobile terminal recognizing the scanning result and interworking with the payment management server.

In addition, the payment management server further comprises the step of registering a payment means to perform the payment.

In addition, the process of registering the payment means to perform the payment, the process of downloading and installing the payment application by the mobile terminal, the process of registering the payment means information for each payment application to the payment management server, and the payment And a process of activating a payment application of the portable terminal by a management server.

In addition, the process of generating a bar code for payment, the process of generating sales information for the goods or content purchased online or offline and the transaction ID corresponding to the sales information, and the transaction ID in the form of a barcode Characterized in that the conversion process.

In addition, the payment operation in connection with the payment management server, the mobile terminal recognizes the scanning result transaction ID, and requesting and receiving payment information for the transaction ID to the payment management server, and When the mobile terminal displays the payment information on the screen and transmits a payment application serial number to the payment management server, the payment management server queries the registered payment method information and transmits a payment method information list to the mobile terminal; When one payment method is selected by the user from the payment method information list, transmitting the selected payment method information and the password to the payment management server, checking the password at the payment management server, and then interworking with the payment gateway. It characterized in that it comprises a process of performing the payment through.

In addition, when the barcode is displayed on the user terminal, the scanning of the barcode by using a camera of the portable terminal, the payment management server when the user terminal is a mobile communication terminal MMS (multimedia message servic) or callback URL ( The method may include transmitting a barcode including a transaction ID to a mobile communication terminal in the form of a short message service (SMS) including a uniform resource locator.

In addition, the on / offline payment service providing system using the camera of the portable terminal according to the present invention, a user terminal for displaying a bar code for performing a payment, a payment application is installed and scanning the bar code displayed on the user terminal and scanning result Generating a barcode for performing the payment, registering payment means for each payment application, and receiving a scanning result from the mobile terminal to transmit the registered payment means information to the mobile terminal; It characterized in that it comprises a payment management server for performing the payment using the payment means selected from the portable terminal.

The payment method information is a payment application serial number (S / N), payment method ID, payment method name (card company, carrier), means type (credit card, mobile phone payment), payment method information (card number, mobile number) , Billing additional information (additional information for making a payment), and Characterized by including a payment password.

In addition, the payment management server, when registering the payment means information, receives the serial number of the payment application from the portable terminal to perform authentication for the payment application, and if the authentication is successful, payment means from the user through the user terminal After receiving and registering the information, the payment application activation key is generated and transmitted to the portable terminal. The activation key is input from the portable terminal to perform authentication, and then the payment application is activated.

As described above, the present invention has an effect of increasing user convenience and payment security by reading a bar code on / offline using a camera of a mobile terminal to provide a payment service.

Hereinafter, a system and a method for providing on / offline payment service using a camera of a portable terminal according to the present invention will be described in detail with reference to FIGS. 1 to 5b.

1 is a block diagram of an on / offline payment service providing system using a camera of a mobile terminal according to an embodiment of the present invention.

On / offline payment service providing system using a camera of a mobile terminal according to the present invention is a mobile terminal 103, mobile communication terminal 104, content management server 105, payment management server 106, payment gateway 107 ), Payment application authentication server 108, sales management server 110, and a user terminal 111. In this case, the wired / wireless internet network 100 includes a wired internet network, WCDMA, WiBro, Wi-Fi, and the like.

The portable terminal 103 includes a camera (not shown) and includes a mobile communication terminal, a notebook computer, a PMP, a PDA, and the like, which can be connected to a wireless network. The portable terminal 103 may be mounted with a payment application, and the payment application may be distributed in various forms such as being downloaded and each payment application includes a unique serial number (S / N). In addition, the portable terminal 103 scans a barcode through a camera and recognizes a scanning result through a payment application.

The mobile communication terminal 104 includes a terminal for performing communication through a mobile communication network such as a mobile phone.

The content management server 105 manages the content online, generates content sale information, and converts a transaction ID received from the payment management server 106 into a bar code form.

The payment management server 106 generates and stores a payment transaction ID, and stores the payment method information registration table of Table 1 and the customer information table of Table 2 for the user of the mobile terminal 103.

As shown in Table 1, the payment method information registration table includes a payment application serial number (S / N), payment method ID, payment method name (card company, communication company), type of means (credit card, mobile phone payment), payment method information. (Card number, mobile phone number), payment additional information (such as social security number and card password to perform payment), payment password, and the like.

As shown in Table 2, the customer information table includes a user name, social security number, payment application serial number, payment application activation or not, activation key information (activation key for activation authentication of the payment application).

The payment management server 106 registers a payment application when generating a payment method and generates a payment application activation key. In addition, when the payment management server 106 receives the payment information for the transaction ID from the mobile terminal 103, the payment management server 106 determines whether the corresponding transaction ID is valid and provides the payment information for the transaction ID. In addition, when the payment management server 106 receives the payment application serial number and the transaction ID from the mobile terminal 103, the payment management server 106 inquires the payment means corresponding to the payment application serial number, generates and transmits an encryption key, and then executes the portable terminal 103. Receiving encrypted payment means selection information from the) and decrypts and performs payment in conjunction with the payment gateway 107.

The payment gateway 107 is connected to a credit card company, a bank, a telecommunications company, etc. to enable actual payment.

The payment application authentication server 108 downloads the payment application and performs authentication of the payment application at the request of the payment management server 106.

The telecommunications carrier collection agency server 109 provides a micropayment service by a telecommunication company to charge a subscriber through billing in a bill.

The sales management server 110 is connected to the user terminal 111 on the server for the sale of goods on-line or off-line to perform product sales. That is, the sales management server 110 manages sales items, receives and processes the order request.

The user terminal 111 may include a personal computer of a user of the portable terminal 103 or a computer of a store.

The on / offline payment service providing system using the camera of the portable terminal according to the present invention having the configuration as described above scans the transaction ID barcode using the camera of the portable terminal 103 and recognizes the scanning result through the payment application. It is to make a payment by selecting one of the payment means registered in the payment application of the mobile terminal 103.

Hereinafter, a method of providing an online payment service using a camera of a mobile terminal according to an embodiment of the present invention will be described in detail.

First, in the present invention, it is assumed that customer information corresponding to the payment application, payment information means and payment password set by the customer are registered in advance in the payment application authentication server 108 and the payment management server 106.

When the content management server 105 receives a content purchase request from the user terminal 111 (S101), the content management server 105 requests the payment management server 106 to generate a transaction ID (S102). At this time, the content management server 105 generates and transmits sales information (content price, content provider code, content title, etc.) for the content requested from the user terminal 111 when the transaction ID is generated. .

Thereafter, the payment management server 106 generates a transaction ID, stores the generated transaction ID and the sales information about the content (S103), and then transmits the generated transaction ID to the content management server 105 (S103). . At this time, in the present invention, the transaction ID is only a transaction ID indicating that the payment is to be made, and does not include the payment information, but may be implemented to generate the transaction ID including the payment information.

Accordingly, the content management server 105 converts the received transaction ID into a bar code form (S105), and transmits it to the user terminal 111 through the wired / wireless internet network 100 (S106).

Thereafter, the user terminal 111 displays the transaction ID in the form of a barcode received from the content management server 105 (S107).

In order to scan the transaction ID displayed on the user terminal 111, when the payment application of the mobile terminal 103 is executed by the user (S108), the camera of the mobile terminal 103 is activated to operate the camera of the mobile terminal 103. Scans the transaction ID in the form of a barcode displayed on the user terminal 111 (S109), and requests payment information corresponding to the scanned transaction ID to the payment management server 106 (S110).

Thus, the payment management server 106 determines whether the received transaction ID is a valid transaction ID (S111), and if the received transaction ID is valid, the payment information (price information, CP code, content title, etc.) for the transaction ID. Transmission to the mobile terminal 103 (S112), the mobile terminal 103 displays the received payment information (S113), so that the user can check the payment information. Here, the payment management server 106 determines whether there is a matching transaction ID among the transaction IDs stored by the received transaction ID, and if there is a matching transaction ID, checks the validity period of the transaction ID, etc. Judge.

Thereafter, upon receiving a confirmation response from the user for confirmation of the payment information (when the confirmation key or the like is pressed by the user), the portable terminal 103 transmits the serial number and the transaction ID of the payment application to the payment management server 106 (S114). ), The payment management server 106 determines whether the payment means registered in advance by the user exists, and if present, queries the payment means to generate encryption keys, respectively (S115). At this time, the payment management server 106 may query the payment means registered in advance by the user using the serial number of the payment application. That is, the payment means is preferably registered in advance for each payment application serial number.

The payment management server 106 generates a public key that can be encrypted by a payment application, that is, an encryption key for each payment method, and then includes a payment method ID, a payment method name, and an encryption key. The list is transmitted to the mobile terminal 103 (S116). In this case, the payment means includes a credit card, a small payment of a mobile carrier, and the like, and when the payment means is a small payment of a mobile carrier, the payment method ID may be a mobile communication company ID, and the payment gateway 107 may be a credit card company or It may be a carrier recovery agency server 106.

Accordingly, the mobile terminal 103 displays a list of payment methods, selects a payment method from the user, receives a password for the selected payment method (S117), and encrypts the selected payment method information and password using an encryption key. After the transmission to the payment management server 106 (S118).

The payment management server 106 decrypts the received payment method information and password with a private key to confirm that the password for each payment method ID is valid (S119) and then makes a payment request to the payment gateway 107 (S120). ). At this time, the payment management server 106 transmits payment information (payment amount) and payment method information (payment means ID, payment means name) for the transaction ID to the payment gateway 107 together with the payment request. On the other hand, if the password does not match in step S120 the mobile terminal 103 is notified that the wrong password.

The payment gateway 107 performs payment according to the payment means (S121), and transmits the result to the payment management server 106 (S122). Thereafter, the payment management server 106 transmits the payment result information to the user terminal 111 and the portable terminal 103, respectively (S123 and S124).

Accordingly, the mobile terminal 103 displays the received payment result information on the screen so that the user can check it (S125). In this case, the user terminal 111 may display payment result information on a screen through a web page.

Hereinafter, a method of providing an offline payment service using a camera of a mobile terminal according to an embodiment of the present invention will be described in detail with reference to FIG. 3.

In the case of purchasing an item in an offline store or the like, the sales management server 110 generates sales information about the sale item selected by the user (S201). In this case, the sales information may include information such as a price, a store code, a sales item code, and the like, and may be generated based on information obtained by scanning a barcode printed on an object through the user terminal 111.

Thereafter, the sales management server 110 requests the transaction management server 106 to generate a transaction ID for payment of the sales object and transmits the merchandise sales information (S202).

Accordingly, the payment management server 106 generates a transaction ID, stores the generated transaction ID and the received product sales information (S203), and then transmits the transaction ID to the sales management server 110 (S204).

Subsequently, the sales management server 110 converts the transaction ID into a bar code form (S205), transmits the bar code form transaction ID to the user terminal 111 (S206), and the user terminal 111 displays the transaction ID on the screen. It displays (S207).

Hereinafter, the mobile terminal 103 executes the payment application to scan the transaction ID and performs the payment. The detailed process is the same as the process S300 of FIG. However, the user terminal 111 corresponds to the user terminal 111 of FIG. 2, and the sales management server 110 corresponds to the content management server 105 of FIG. 2.

When the payment is completed by performing the process S300, the payment management server 106 transmits the payment result information to the user terminal 111 through the sales management server 110 (S208) and the wired / wireless Internet network 100. The payment result information is transmitted to the mobile terminal 103 through S209. Accordingly, the mobile terminal 103 displays the payment result (S210).

As described above, in FIGS. 2 and 3, only the example in which the mobile terminal 103 scans the transaction ID by displaying the barcode ID through the user terminal 111 is described. However, instead of the user terminal 111. The payment may be performed by displaying a transaction ID in the form of a barcode on the mobile communication terminal 104 or the catalog of the seller or the buyer.

In this case, when the payment is performed using the mobile communication terminal 104, the content management server 105 or the sales management server 110 sends a barcode ID transaction ID to a multimedia message servic (MMS) or callback uniform resource locator (URL). ) Is transmitted to the mobile communication terminal 104 in the form of a short message service (SMS). Thereafter, the mobile terminal 103 scans the transaction ID displayed on the mobile communication terminal 104 and then performs payment by performing processes S110 to S122 of FIG. 2, and the payment management server 106 moves the payment performance result. Send to the communication terminal 104 in the form of SMS.

On the other hand, when the transaction ID in the form of a barcode printed on the catalog, after scanning the transaction ID of the barcode printed on the catalog with the mobile terminal 103, it is preferable to perform a payment by performing the process S110 ~ S122 of FIG. Do.

As such, the present invention can be utilized in an environment such as food delivery, leaflet, etc., since only a barcode indicating a payment transaction needs to exist.

Hereinafter, a method of registering a payment means for payment of FIGS. 2 and 3 will be described in detail with reference to FIG. 4.

First, the mobile terminal 103 downloads a payment application from the payment application server 108 (S401) and installs it (S402). At this time, the downloaded payment application includes a unique serial number.

Thereafter, when the user terminal 111 requests the payment means registration to the payment management server 106 (S403), the payment management server 106 goes through a personal authentication process with the user terminal 111 (S404). That is, the user terminal 111 transmits and receives personal information with the payment management server 106 to perform authentication, and the personal authentication process may use various means such as authorized authentication, and basically exchanges a customer name and a social security number.

When the personal authentication is completed, the payment management server 106 requests the user terminal 111 to input the payment application serial number (S405).

Accordingly, the mobile terminal 103 executes the payment application to display the serial number of the payment application on the screen so that the user can check the serial number of the payment application (S406). That is, the user executes the payment application of the mobile terminal 103 and checks the serial number issued to the payment application by performing a function of viewing the payment application serial number.

Thereafter, the user terminal 111 receives a serial number from the user (S407) and transmits it to the payment management server 106 (S408).

Thus, the payment management server 106 checks whether a payment application corresponding to the received serial number is registered (S409), and if so, requests the user terminal 111 to input payment means information (S414). On the other hand, if not registered, the payment application server 108 requests the authentication for the payment application (S410).

The payment application server 108 determines whether the payment application corresponding to the received serial number is a valid payment application, performs authentication (S411), and transmits the authentication result to the payment management server 106 (S412).

After that, when the payment management server 106 receives the authentication success result from the payment application server 108, the payment management server 106 registers the corresponding payment application (S413), and requests the user terminal 111 to input payment means information (S414).

Thus, the user terminal 111 receives the payment means information to be registered from the user (S415), and transmits the input payment means information to the payment management server 106 (S416).

Subsequently, the payment management server 106 registers the received payment means information and generates a payment application activation key (S417). In this case, the registered payment method information includes a payment method name, a form of payment, payment additional information, a password, a payment application serial number, and the like. In addition, when registering a plurality of payment means information payment management server 106 assigns a payment method ID for each payment method and registers the relevant payment information for each payment method ID.

The activation key of step S417 is generated for authentication according to the activation of the payment application, and it is possible to use the payment application only after the activation of the payment application is authenticated.

First, the payment management server 106 transmits an activation key to the user terminal 111.

Thus, the user terminal 111 displays the activation key on the screen (S419) so that the user can check the activation key, and the mobile terminal 103 receives the payment application activation key from the user (S420) payment management server ( In step 106, a payment application activation confirmation request is requested. At this time, when the mobile terminal 103 requests the payment application activation confirmation, the mobile terminal 103 delivers the payment application serial number and the activation key input from the user.

Thus, the payment management server 106 checks whether the received payment application serial number and the activation key are valid (S422), and if valid, the payment management server 106 transmits a payment application activation command to the mobile terminal 103. (S423). At this time, the payment management server 106 checks whether the received activation key matches the issued activation key to determine validity.

Subsequently, the portable terminal 103 is in a state in which the payment application can be used by setting the payment application to an activated state (S424).

Although the present invention has been described in detail based on the embodiments of the present invention, the present invention is not limited to these embodiments, but the seller information is expressed as a barcode through a transaction ID and the payment is recognized by the terminal of the buyer to approve payment from the mobile terminal. Many variations of the form are possible. In addition, it is preferable that the necessary parts of the process corresponding to each of FIG. 2 to FIG. 4 in the present invention can be conventionally modified and applied. In addition, as a means for outputting a transaction ID, not only a barcode but also other means recognizable by an optical device such as EzCode may be used.

As described above, the present invention expresses a payment transaction as an ID that can be expressed as a barcode at the time of payment and scans it using a camera of a portable terminal capable of scanning the corresponding barcode in advance for the corresponding transaction. Select one of several payment methods registered in the payment application to interpret the payment through the payment gateway.

Thus, the present invention can be provided not only on-line and off-line, but also in payment service in delivery, and can be utilized in an unmanned environment.

1 is a block diagram of an on / offline payment service providing system using a camera of a mobile terminal according to an embodiment of the present invention.

2 is a flowchart illustrating a method for providing an online payment service using a camera of a mobile terminal according to an embodiment of the present invention.

3 is a flowchart illustrating a method of providing an offline payment service using a camera of a mobile terminal according to an embodiment of the present invention.

4 is a flowchart illustrating a method of registering a payment means for payment of FIGS. 2 and 3.

Explanation of symbols on the main parts of the drawings

100: wired / wireless internet network 103: mobile terminal

104: mobile communication terminal 105: content management server

107: payment gateway 108: payment application authentication server

109: carrier recovery agency server 110: sales management server

111: user terminal

Claims (9)

Generating a barcode for payment in the payment management server; If the barcode is displayed on the user terminal, scanning the barcode using a camera of the portable terminal; And The mobile terminal recognizing the scanning result and performing payment in connection with the payment management server; On / Offline payment service providing method using a camera of a portable terminal comprising a. The method of claim 1, And a process of registering a payment means by the payment management server to perform the payment. The method of claim 2, The process of registering a payment method to perform the payment, Downloading and installing the payment application by the mobile terminal; Registering payment means information for each payment application in the payment management server; And Activating a payment application of the mobile terminal by the payment management server; On / Offline payment service providing method using a camera of a portable terminal comprising a. The method according to claim 1 or 2, The process of generating a bar code for the payment, Generating sales information about the purchased goods or contents online or offline and generating a transaction ID corresponding to the sales information; And Converting the transaction ID into a barcode form On / Offline payment service providing method using a camera of a portable terminal comprising a. The method according to claim 1 or 2, The process of performing payment in connection with the payment management server, The mobile terminal recognizing the scanning result transaction ID and requesting and receiving payment information for the transaction ID from the payment management server; If the mobile terminal displays payment information on the screen and transmits a payment application serial number to the payment management server, the payment management server inquiring registered payment means information and transmitting a payment means information list to the mobile terminal; Transmitting a selected payment means information and a password to the payment management server when one payment means is selected by the user from the payment means information list; And After confirming the password in the payment management server, the process of performing the payment through interworking with the payment gateway On / Offline payment service providing method using a camera of a portable terminal comprising a. The method according to claim 1 or 2, When the barcode is displayed on the user terminal, the scanning of the barcode using a camera of the portable terminal, When the user terminal is a mobile communication terminal, the payment management server sends a barcode including a transaction ID to a mobile communication terminal in the form of a short message service (SMS) including a multimedia message servic (MMS) or a callback uniform resource locator (URL). On / Offline payment service providing method using a camera of a mobile terminal, characterized in that for transmitting. A user terminal displaying a barcode for performing payment; A mobile terminal having a payment application installed therein and scanning a barcode displayed on the user terminal and recognizing a scanning result; And Generate a bar code for performing the payment, register the payment means information for each payment application, and when receiving a scanning result from the mobile terminal transmits the registered payment means information to the mobile terminal to select the payment means selected from the mobile terminal A payment management server for performing payment using; On / offline payment service providing system using a camera of a portable terminal comprising a. The method of claim 7, wherein The payment method information is a payment application serial number (S / N), payment method ID, payment method name (card company, carrier), means type (credit card, mobile phone payment, etc.), payment method information (card number, mobile number) And payment additional information (additional information for performing payment) and a payment password. On / offline payment service providing system using a camera of a portable terminal. The method of claim 7, wherein The payment management server, When registering the payment means information, receiving the serial number of the payment application from the mobile terminal to perform authentication for the payment application, if the authentication is successful, after receiving the payment means information from the user through the user terminal to register, Generate a payment application activation key and transmit it to the portable terminal, and receive the activation key from the portable terminal to perform the authentication and then activate the payment application, the on / offline payment using the camera of the portable terminal Service delivery system.

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