KR20110039946A - System and method for affiliate wireless settlement and program recording medium - Google Patents

Abstract

The present invention relates to a wireless payment method for merchants, and upon purchase (or order) of goods through an offline merchant, in response to a payment request using a wireless terminal of a payment requesting customer, after operating a payment program for a merchant mounted on a wireless terminal of a merchant. And outputting an interface for inputting payment information including a customer wireless terminal number and payment amount information in the merchant payment program, and transmitting the payment information input through the interface in the merchant payment program to a server. And generating, by the server, an authentication number (or authentication code) corresponding to the transmitted payment information, and transmitting the authentication number (or authentication code) to the affiliated store owner wireless terminal, and the server corresponding to the customer wireless terminal number included in the payment information. Transmitting a message for requesting payment approval to a wireless terminal; Generating a one-time payment code using the customer card number in the mounted one-time payment code generation program and the authentication code (or authentication code) transmitted to the merchant payment terminal and the one-time payment code generated in the payment code generation program And transmitting payment approval request information including a request to the server for payment approval.

Description

Method and system for wireless payment of merchants and recording medium therefor {System and Method for Affiliate Wireless Settlement and Program Recording Medium}

According to the present invention, when purchasing (or ordering) an item through an offline merchant, a payment request using a wireless terminal of a payment request customer is performed. Outputting an interface for inputting payment information including payment amount information, transmitting payment information input through the interface from a payment program for the affiliate store to a server, and including the payment information in the server; Checking (or extracting) a card number corresponding to the confirmed customer wireless terminal number from a storage medium, and storing the stored card number on the storage medium by linking the confirmed (or extracted) card number and payment information with the server; A message requesting consent for payment approval for the payment information to a customer wireless terminal corresponding to the terminal number. Sending a message, generating (or inputting) a response message corresponding to a payment approval agreement request message from the customer wireless terminal, and transmitting the message to the server; and receiving the response message received from the customer wireless terminal at the server. It relates to a merchant wireless payment method comprising the step of performing a payment approval process corresponding to the payment agreement or payment cancellation details.

In general, when a customer visits an offline merchant, the payment is made in cash or by a card payment (including infrared payment using a mobile phone). When a customer requests a payment by telephone, the card information Providing payment method information such as payment was mainstream.

However, the above schemes may occur when the card information is exposed to the affiliated stores, which inevitably poses a security problem.

On the other hand, recently equipped with a VM (Virtual Machine) provided by a financial institution in a mobile phone, so that you can use banking more conveniently without having a bankbook or a card.

On the other hand, if the merchant is smiling at the payment method, or the merchant payment terminal is not available, it is necessary to take a countermeasure against it.

In addition, it is time to need a new payment method in an offline merchant without exposing the existing payment method.

An object of the present invention for solving the above problems is inputting payment information including customer wireless terminal number and payment amount information according to a payment request using a wireless terminal of a payment request customer when purchasing (or ordering) an item through an offline merchant. A merchant that has a payment program for outputting an interface for transmitting the payment information input through the output interface to a server, and receiving an authentication number (or authentication code) corresponding to the payment information from the server. A main wireless terminal, and generates an authentication number (or authentication code) corresponding to the payment information transmitted from the merchant owner terminal, and transmits to the affiliated owner wireless terminal, corresponding to the customer wireless terminal number included in the payment information Server for transmitting a message for requesting payment approval to the customer wireless terminal and one-time payment transmitted from the server Driven by the request message, it generates a single random number to be combined with the customer card number or added to the customer card number to generate a payment code, and the combined disposable number is combined with the customer card number or added to the customer card number. And generating a one-time payment code using the card number to which the one-time random number is combined or added, and then payment approval including the generated one-time payment code and an authentication number (or authentication code) input through a predetermined input interface. The present invention provides a merchant wireless payment system including a customer wireless terminal for transmitting request information to a server.

In addition, another object of the present invention, when purchasing (or ordering) an item through an offline merchant, in response to a payment request using a wireless terminal of a payment request customer, enters payment information including a customer wireless terminal number and payment amount information. A merchant terminal wireless terminal equipped with a merchant payment program for outputting an interface for transmitting the payment information input through the output interface to the server, and a customer wireless terminal included in the payment information transmitted from the merchant owner wireless terminal The card number corresponding to the number is identified (or extracted) from the storage medium, the card number and payment information confirmed (or extracted) are linked and stored in the storage medium, and the customer wireless terminal corresponding to the customer wireless terminal number. A server for transmitting a message requesting consent of payment for the payment information and a purchase of the item from the server ( The merchant wireless payment including a customer wireless terminal for receiving a payment approval consent request message for the order), and transmits a response message including a payment agreement or cancellation details corresponding to the received payment approval consent request message to the server. In providing a system.

In order to achieve the above object and solve the problems of the prior art, the merchant wireless payment method according to the present invention, upon purchase (or order) of goods through the offline merchant, according to the payment request using the wireless terminal of the payment request customer, merchant Outputting an interface for inputting payment information including a customer wireless terminal number and payment amount information in the affiliated payment program after driving the affiliated payment program installed in the main wireless terminal; and the interface in the affiliated payment program Transmitting the payment information input through the server, generating an authentication number (or authentication code) corresponding to the transmitted payment information from the server, and transmitting the payment information to the affiliated store owner's wireless terminal; The payment authorization request is made to the customer wireless terminal corresponding to the customer wireless terminal number included in the information. Transmitting a message, generating a one-time payment code using a customer card number in a one-time payment code generation program installed in the customer wireless terminal, and generating the one-time payment code and the affiliated store in the payment code generation program. And transmitting the payment approval request information including the authentication number (or authentication code) transmitted to the primary wireless terminal to the server to request the payment approval.

According to the present invention, the merchant wireless payment method, the server to verify the validity of the payment approval request information received from the one-time payment code generation program, the server performs the payment approval processing corresponding to the validation result And transmitting the settlement approval processing result from the server to the affiliated store owner wireless terminal and the customer wireless terminal.

On the other hand, the merchant wireless payment method according to another embodiment of the present invention, when purchasing goods (or orders) through the offline merchant, in accordance with the payment request using the wireless terminal of the payment request customer, merchant merchant payment terminal in the wireless terminal Outputting an interface for inputting payment information including a customer wireless terminal number and payment amount information in the payment program for the affiliated store and transmitting the payment information input through the interface in the payment program for the affiliated store to a server; And checking (or extracting) a card number corresponding to a customer wireless terminal number included in the transmitted payment information from a storage medium in a server, and linking the confirmed (or extracted) card number with the payment information. Storing in a storage medium; and a customer wireless terminal corresponding to the customer wireless terminal number in a server. Transmitting a message requesting a payment approval consent for the payment information, generating (or entering) a response message corresponding to a payment approval request message from the customer wireless terminal, and transmitting the response message to the server; and at the server And performing a payment approval process corresponding to the payment agreement or payment cancellation details included in the response message received from the customer wireless terminal.

According to the present invention, the server checks (or extracts) a card number corresponding to the customer wireless terminal number included in the transmitted payment information from the storage medium, and processes the association of the confirmed (or extracted) card number and payment information. The storing in the storage medium may further include transmitting, by the server, the link processing storage history of the payment information and the card number to the affiliated store owner wireless terminal.

According to the invention, the step of generating (or input) a response message corresponding to the payment approval consent request message from the customer wireless terminal to transmit to the server, the response in the one-time payment code generation program mounted on the customer wireless terminal Generating a one-time authentication code to be included in the message, and generating (or inputting) a response message including the generated one-time authentication code and payment agreement or payment cancellation history in the customer wireless terminal. .

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described merchant wireless payment method.

On the other hand, the merchant wireless payment system according to the present invention, when purchasing (or ordering) the goods through the offline merchant, the payment request information, including the customer wireless terminal number, payment amount information according to the payment request using the customer's wireless terminal Output the interface for input, the payment information input through the output interface to the server, and the merchant payment program for receiving the authentication number (or authentication code) corresponding to the payment information from the server is provided Generates a merchant number wireless terminal and the authentication number (or authentication code) corresponding to the payment information transmitted from the merchant owner terminal, and transmits to the merchant terminal wireless terminal, corresponding to the customer wireless terminal number included in the payment information The server for transmitting a message for requesting payment approval to the customer wireless terminal and a one-time decision sent from the server Driven by the first request message, combined with the customer card number, or added to the customer card number to generate a disposable random number to generate a payment code, combine the generated disposable random number with the customer card number or to the customer card number In addition, after generating a one-time payment code using the card number added or added to the one-time random number, and includes the generated one-time payment code and the authentication number (or authentication code) entered through a predetermined input interface It includes a customer wireless terminal for transmitting the payment approval request information to the server.

According to the present invention, the server reads the one-time payment code included in the payment approval request information received from the payment code generation program, and separates and confirms the customer card number and the single-use random number, and the confirmed customer card number and The payment approval can be processed by validating the one-time random number.

On the other hand, the merchant wireless payment system according to another embodiment of the present invention, when purchasing (or ordering) the goods through the offline merchant, the payment request customer's wireless terminal number, payment amount information according to the payment request using the customer's wireless terminal A merchant terminal wireless terminal equipped with a payment program for affiliated stores that outputs an interface for inputting payment information, and transmits the payment information input through the output interface to the server, and the payment information transmitted from the affiliate store wireless terminal. The card number corresponding to the customer wireless terminal number included in the identification (or extraction) from the storage medium, the card number and payment information confirmed (or extracted) in association with the storage medium and stored in the storage medium, the customer wireless terminal number The server for transmitting a message requesting the approval of payment approval for the payment information to the customer wireless terminal corresponding to the And receiving a payment approval consent request message for the purchase (or order) of the goods from the server, and transmitting a response message including payment agreement or cancellation details corresponding to the received payment approval consent request message to the server. It includes a wireless terminal.

According to the present invention, the server may perform payment approval processing corresponding to the payment agreement or cancellation details included in the response message corresponding to the payment approval agreement request message received from the customer wireless terminal.

According to the present invention, there is an effect that a simple payment can be made without exposing card information even in an offline affiliated store through a payment program installed in a customer wireless terminal.

In addition, if the merchant terminal is not provided or is not available, there is an effect that the card payment can be performed using the merchant owner wireless terminal.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of 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. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional component provided in at least one or more servers (or terminals), or at least one or more. It may be an association of at least two or more functional components provided in the server (or terminal). In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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

1 is a diagram illustrating an affiliated store wireless payment system according to an exemplary embodiment of the present invention.

In more detail, FIG. 1 illustrates that when a customer purchases or orders an item through an offline merchant, when the customer wants to process a purchase price of the item through a wireless terminal held by the customer, the affiliated owner wireless terminal 100 is provided. By operating the payment program for merchants, the customer wireless terminal 105 and payment information (for example, payment amount, etc.) is input and transmitted to a server, the server sends a message for approval of payment to the customer wireless terminal 105. Transmitting and driving a one-time payment code generation program provided in the customer wireless terminal 105 that has received the payment approval request message from the server, generating a one-time payment code for the payment approval request, and transmitting the generated payment code to the server for payment approval processing. As a system configuration for performing the present invention, those skilled in the art to which the present invention belongs, this figure By referring to or modifying the 1 may be inferred various implementation methods for the configuration of the merchant wireless payment system, the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

Hereinafter, in connection with an affiliated store payment program provided in the affiliated store owner wireless terminal 100 and the disposable payment code generation program provided in the customer wireless terminal 105 in the affiliated store wireless payment system shown in FIG. Components corresponding to at least one or more means or functional configurations for performing payment processing for the purchase and order of goods in the present invention are defined as "merchant wireless payment server (hereinafter referred to collectively as server)".

Referring to FIG. 1 according to an embodiment of the present invention, an affiliated store wireless payment system requests a payment through an affiliated store owner wireless terminal 100 held by the owner (or clerk) of the offline affiliated store and an offline merchant. The present invention includes a customer wireless terminal 105 held by a customer, and the merchant owner wireless terminal 100 is provided with a payment program for an affiliated store, and the customer wireless terminal 105 is provided with a one-time payment code generation program. It is possible to be.

According to an exemplary embodiment of the present invention, the merchant owner wireless terminal 100 intends to perform a payment method through a one-time payment code generation program provided in the customer wireless terminal 105 by a customer who wants to purchase or order an item through the affiliate store. If you do, it will drive the merchant payment program provided in the merchant owner wireless terminal 100.

When the merchant payment program provided in the affiliated store owner wireless terminal 100 is driven, the merchant payment program outputs an interface for inputting a wireless terminal number and payment information (for example, a payment amount) of a payment request customer, When the customer wireless terminal 105 number and payment information are input through the output interface, the input customer wireless terminal 105 number and payment information are transmitted to the server.

Then, the merchant payment program provided in the merchant owner wireless terminal 100 receives the authentication number (or authentication code) corresponding to the customer wireless terminal 105 number and payment information from the server, the received authentication number (Or authentication code) is delivered to the customer.

Here, the process of transmitting the authentication number (or authentication code) to the customer, the affiliated store owner (or clerk) shows the authentication number (or authentication code) received by the affiliated owner wireless terminal 100 directly to the customer It is possible to transmit or transmit the authentication number (or authentication code) received by the merchant owner wireless terminal 100 to the customer wireless terminal 105 through short-range communication (eg, infrared, Bluetooth, RF, etc.).

After the customer wireless terminal 105 number and payment information are transmitted to the server through the affiliated owner wireless terminal 100, the server refers to the transmitted customer wireless terminal 105 number, to the customer wireless terminal 105 A message will be sent to request payment approval.

Here, the customer wireless terminal 105 drives the one-time payment code generation program included in the customer wireless terminal 105 by the payment approval request message received from the server, and generates the one-time payment code by the received payment approval request message. It is possible for the program to run automatically, or the one-time payment code generation program can be driven after confirmation of the received payment approval request message or other key input.

In addition, it is possible to set a predetermined driving password for driving the one-time payment code generation program.

The one-time payment code generation program provided in the customer wireless terminal 105 performs a function of generating payment approval request information including payment means information (for example, card number, etc.) and authentication information and transmitting the generated information to the server.

More specifically, the one-time payment code generation program is driven in response to the receipt of the payment approval request message from the server, and then generates a predetermined random number for generating the one-time payment code.

The random number generated through the one-time payment code generation program is to generate the same random number in the server as one authentication means for payment using the customer wireless terminal 105, and the random number generated in the one-time payment code generation program later Compares the random number generated in the server with the server so that payment authentication can be performed.

Also, the one-time payment code generation program checks (or extracts) the customer card number stored in the memory of the customer wireless terminal 105 or the IC chip detached from the customer wireless terminal 105 to generate the one-time payment code.

The one-time payment code generation program combines the confirmed (or extracted) customer card number with the generated random number to generate a one-time payment code, where the one-time payment code may be implemented in the form of a two-dimensional barcode.

More specifically, the one-time payment code generation program combines a customer card number and a random number according to a predetermined method, and the combined customer card number and the random number may be any one of Data Matrix or QR code Matrix or PDF417 or MaxiCode. This will generate a two-dimensional barcode.

When the one-time payment code generation program generates the one-time payment code as described above, the one-time payment code generation program outputs the generated one-time payment code as shown in the example of the customer wireless terminal 105 of FIG.

In this case, the one-time payment code generation program may output an interface for inputting an authentication number (or authentication code) that was transmitted to the affiliated store owner wireless terminal 100 generated by the server.

When the authentication number (or authentication code) transmitted to the merchant owner wireless terminal 100 through the output authentication number (or authentication code) input interface is transmitted to the customer or customer wireless terminal 105 is input, one-time payment code generation program Generates payment approval request information (or full text) for transmitting the generated one-time payment code and the input verification number (or verification code) to the server, and the payment includes the one-time payment code and verification number (or verification code). Send the authorization request information (or full text) to the server.

According to the present invention, the merchant owner wireless terminal 100 and the customer wireless terminal 105 are all terminal devices connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x. , Or generic term for all terminal devices connected to Motorola's DataTAC or Erricson's Mobitex-based wireless data communication network, and are a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal connected to a CDMA-based mobile communication network. Or a Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or IEEE 802.16x based portable A portable Internet terminal connected to the Internet, or a wireless Internet connection connected to DataTAC / Mobitex based wireless data network. And at least one or more line data communication terminals.

In addition, the network means for connecting the merchant terminal wireless terminal 100 and the customer wireless terminal 105 and the server is based on the CDMA based mobile communication network connected to the merchant terminal wireless terminal 100 and the customer wireless terminal 105 Any one of a communication network, an IEEE 802.16x based portable Internet, or a DataTAC / Mobitex based wireless data communication network, or any kind of wireless communication network proposed in the future including a predetermined wireless interval.

The storage medium 160 provided on the affiliated store wireless system according to the present invention stores one or more information for implementing the present invention and one or more information generated in the process of implementing the present invention.

For example, the merchant information stored in the storage medium 160 may include a merchant name registered by the merchant owner to use the service according to the present invention, an affiliate store number, an affiliate store owner name, an address, a business registration number, an affiliate store owner wireless terminal (100) number, It may include a type of business, a type of business, and the like.

The server provided on the affiliated store wireless payment system according to the present invention is a generic term for the affiliated store wireless payment system side components connected to the affiliated store owner wireless terminal 100 and the customer wireless terminal 105 through a predetermined network means. It may be implemented by including at least one server (or device), or may be implemented by including at least one or more functional configuration means, or may be implemented by at least one or more programs recorded on a recording medium included in a predetermined server (or device). .

According to the embodiment of the present invention, the server checks the received payment information when the payment request customer wireless terminal 105 and the payment information transmitted from the merchant payment program provided in the merchant owner wireless terminal 100, The purchase information checking means 110 for storing the amount and the customer wireless terminal 105 number in the storage medium 160, and the payment program for the merchant or payment program for the merchant that transmitted the customer wireless terminal 105 and the payment information. And member information checking means 115 for checking and authenticating affiliate store information corresponding to the affiliated store owner wireless terminal 100 from the storage medium 160.

In addition, if the authentication for the merchant information is successfully performed through the member information checking means 115, the server generates a predetermined authentication number (or authentication code) corresponding to the payment information or the customer wireless terminal 105 number; The authentication number processing unit 120 transmits the generated authentication number (or authentication code) to the affiliated store owner wireless terminal 100 and transmits the generated authentication number (or authentication code) to the customer wireless terminal 105 corresponding to the received customer wireless terminal 105 number. The message processing means 125 generates a message requesting payment approval and transmits the generated message requesting payment approval to the customer wireless terminal 105.

Here, the authentication number (or authentication code) transmitted to the merchant owner wireless terminal 100 is stored in the storage medium 160, which is included in the payment approval request information (or full text) transmitted from the customer wireless terminal 105 later. Compared with the authentication number (or authentication code) is used as one authentication means for transaction authentication.

In addition, the server after the message for requesting payment approval through the message processing means 125 is transmitted to the customer wireless terminal 105, or after the one-time payment code generation program provided in the customer wireless terminal 105 is driven, The random number is generated through the same conditions as the one-time payment code generation program, and the generated random number information is stored in the storage medium 160 in association with any one of the customer wireless terminal 105 number, merchant information, payment information, or authentication number. It includes a random number generating means 130 for storing.

Here, the random number generated through the random number generating unit 130 and stored in the storage medium 160 may read a one-time payment code included in payment approval request information (or full text) transmitted from the customer wireless terminal 105 later. By comparing with the random number included in the one-time payment code through, it is utilized as one authentication means for transaction authentication.

In addition, the server receives the information receiving means 135 for receiving payment approval request information (or full text) transmitted through the one-time payment code generation program provided in the customer wireless terminal 105, and the information receiving means 135 It includes information reading means 140 for reading the payment approval request information (or full text) received through, to confirm the one-time payment code and authentication number (or authentication code) included in the payment approval request information (or full text). .

In addition, the server checks if the one-time payment code and the authentication number (or authentication code) included in the payment approval request information (or full text) received from the one-time payment code generation program through the information reading means 140, the confirmed Validation means 145 for validating the one-time payment code and the authentication number (or authentication code).

According to an embodiment of the present invention, the validation means 145 compares the authentication number (or authentication code) included in the payment approval request information (or full text) with the authentication number (or authentication code) stored in the storage medium 160. Validate the authentication number (or authentication code) by checking whether they match.

In addition, the validation means 145 reads the one-time payment code included in the payment approval request information (or full text), and checks the combination of the customer card number and the random number included in the one-time payment code, combined customer card number and After the random number is separated, the random number is compared with the random number stored in the storage medium 160 to verify the validity of the one-time payment code.

In addition, the validating means 145 verifies the validity of the separated customer card number.

In addition, when the validation of the payment approval request information (or full text) is completed through the validation means 145, the server transmits the card number and payment information to the payment processing server to perform the payment processing. Means 150 and information providing means 155 for transmitting the payment approval processing details to the merchant owner wireless terminal 100 and the customer wireless terminal 105.

2 is a diagram illustrating a process of providing a customer wireless terminal 105 number and payment information from a merchant owner wireless terminal 100 to a server according to an exemplary embodiment of the present invention.

In more detail, FIG. 2 illustrates a payment (eg, customer wireless terminal 105) using a customer wireless terminal 105 by a customer who purchases (or orders) an item through an offline merchant on the merchant wireless payment system shown in FIG. In the case of requesting a payment using a one-time payment code generated by the), the merchant wireless terminal 105 through the payment program for merchants provided in the merchant owner wireless terminal 100 transmits the number and payment information to the server, the payment information from the server As an embodiment for generating an authentication number (or authentication code) corresponding to the transmission to the merchant terminal wireless terminal 100, if the person having ordinary knowledge in the technical field to which the present invention pertains, refer to FIG. It is possible to deduce various implementation methods for transmitting and receiving information between the affiliated store program and the server provided in the affiliated store owner wireless terminal 100.

In addition, in FIG. 2, it is assumed that the affiliated store owner wireless terminal 100 has a payment program for the affiliated store, and the customer wireless terminal 105 has a one-time payment code generation program.

Referring to FIG. 2, when a customer requests a payment using a customer wireless terminal 105 at an offline merchant payment, the merchant drives a payment program for the affiliate store mounted on the affiliated owner wireless terminal 100 (205).

After the merchant payment program is driven, the merchant payment program outputs an input interface for inputting payment information and a wireless terminal number of a payment request customer (210).

When an input interface for inputting payment information and a payment request customer's wireless terminal number is output, payment information including the customer wireless terminal 105 number and payment amount is input (or selected) through the output interface (215) ), The merchant payment program transmits the input customer wireless terminal 105 number and payment information to the server after connecting the communication channel with the server (220).

When the customer wireless terminal 105 number and payment information are received, the server checks the validity of the received payment information (225).

Here, the server checks and authenticates, from the storage medium 160, merchant information corresponding to the merchant wireless terminal 100 having the customer wireless terminal 105 and the merchant payment program for transmitting the payment information or the merchant payment terminal for the merchant. By doing so, it is determined whether the payment service according to the present invention can be continued.

As a result of the validity authentication, if the validity authentication for the payment information fails (230), the server generates (extracts) a message including the validity authentication failure details and transmits the message to the affiliated owner wireless terminal 100 (235).

On the other hand, if the validity authentication for payment information is successful (230), the server generates an authentication number (or authentication code) corresponding to the payment information (240), the generated authentication number (or authentication code) to the merchant owner wireless The terminal 100 transmits the data to the terminal 100 (245).

Here, the authentication number (or authentication code) transmitted to the merchant owner wireless terminal 100 is stored in the storage medium 160, which is included in the payment approval request information (or full text) transmitted from the customer wireless terminal 105 later. Compared with the authentication number (or authentication code) is used as one authentication means for transaction authentication.

3 is a diagram illustrating a screen example of an information processing process of the affiliated store owner wireless terminal 100 according to an embodiment of the present invention.

In more detail, as shown in the process of FIG. 2, FIG. 3 shows that the customer who purchases (or orders) the goods through the offline merchant stores the payment using the customer wireless terminal 105 (eg, the customer wireless terminal 105). In the case of requesting a payment using a one-time payment code generated by the), the merchant wireless terminal 105 through the payment program for merchants provided in the merchant owner wireless terminal 100 transmits the number and payment information to the server, the payment information from the server As an exemplary diagram of a screen of the merchant terminal 100 for the process of generating the authentication number (or authentication code) corresponding to the merchant terminal wireless terminal 100, Figure 3 is for helping to understand the above process It is not limited to the implementation method shown in FIG. 3 only.

First, when a customer requests a payment for an item purchase through an offline merchant through a one-time payment program provided in the customer wireless terminal 105, the merchant owner or the clerk pays for the merchant provided in the affiliated owner wireless terminal 100. Select and run the program (a).

When the merchant payment program is driven (b), the merchant payment program outputs an interface for inputting the wireless terminal number and the payment amount of the customer who made the payment request, and the customer wireless terminal 105 number through the output interface. And if the payment amount is input (c), and transmits the input customer wireless terminal 105 number and payment amount (d).

Thereafter, after generating the authentication number (or authentication code) corresponding to the payment information from the server, the generated authentication number (or authentication code) is transmitted to the merchant terminal wireless terminal 100 and outputted (e).

The authentication number (or authentication code) transmitted to the merchant owner wireless terminal 100 is provided to the customer or the customer wireless terminal 105.

Figure 4 illustrates a process of generating a one-time payment code in the customer wireless terminal 105 after receiving a message requesting approval of payment from the server to the customer wireless terminal 105 according to an embodiment of the present invention. Drawing.

More specifically, Figure 4, after the process of Figure 2 is performed, provides a message requesting payment approval from the server to the customer wireless terminal 105, the one-time payment code generation program provided in the customer wireless terminal 105 By generating a one-time payment code through the authentication number (or authentication code) to configure the payment approval request information (or full text) and the implementation method for transmitting to the server.

Through the process of FIG. 2, a customer who purchases (or orders) an item through an offline affiliate store makes payment using the customer wireless terminal 105 (eg, payment using a one-time payment code generated by the customer wireless terminal 105). When requested, the customer wireless terminal 105 and payment information is transmitted to the server through a payment program for the merchant provided in the merchant owner wireless terminal 100, and the server receives an authentication number (or authentication code) corresponding to the payment information. After generating and transmitting to the merchant owner wireless terminal 100, referring to FIG. 4, the server generates a message for requesting payment approval using the customer wireless terminal 105 and transmits the message to the customer wireless terminal 105 (400). ).

When a message for requesting a payment approval is received from the server, the customer wireless terminal 105 drives a one-time payment code generation program mounted on the customer wireless terminal 105 (405).

Here, the customer wireless terminal 105 drives the one-time payment code generation program included in the customer wireless terminal 105 by the payment approval request message received from the server, and generates the one-time payment code by the received payment approval request message. It is possible for the program to run automatically, or the one-time payment code generation program can be driven after confirmation of the received payment approval request message or other key input.

The driven one-time payment code generation program checks (or extracts) the card number stored in the memory (or IC chip) in the customer wireless terminal 105 (410), and generates a one-time random number required for generation in the one-time payment code (415) ).

The random number generated through the one-time payment code generation program is to generate the same random number in the server as one authentication means for payment using the customer wireless terminal 105, and the random number generated in the one-time payment code generation program later Compares the random number generated in the server with the server so that payment authentication can be performed.

When the one-time random number is generated, the one-time payment code generation program generates a one-time payment code using the customer card number and the one-time random number (420).

According to one embodiment of the invention, the one-time payment code generation program combines the confirmed (or extracted) customer card number and the generated random number to generate a one-time payment code, where the one-time payment code is implemented in the form of a two-dimensional barcode Can be.

In addition, the one-time payment code generation program combines the customer card number and random number according to a predetermined method, and the combined customer card number and random number are two-dimensional through one of the methods of Data Matrix or QR code Matrix or PDF417 or MaxiCode. You can create a barcode.

On the other hand, the one-time payment code generation program screen output interface for inputting the authentication number (or authentication code) generated in the server and transmitted to the merchant owner wireless terminal 100 (425), the authentication number through the output interface (Or authentication code) is input (or selected) (430).

If the authentication number (or authentication code) is successfully entered (435), the one-time payment code generation program payment authorization request information (or full text) including the authentication number (or authentication code) entered and the generated one-time payment code Generates and transmits the generated payment approval request information (or full text) to the server (440).

5 is a diagram illustrating a process of processing payment approval in a server in response to payment approval request information transmitted from a customer wireless terminal 105 according to an exemplary embodiment of the present invention.

In more detail, Figure 5 provides a message requesting the payment approval from the server to the customer wireless terminal 105 through the process of Figure 4, and disposable through a one-time payment code generation program provided in the customer wireless terminal 105 After generating the payment code, the payment approval request information (or full text) is configured with the verification number (or verification code), transmitted to the server, and the server validates the payment approval request information (or full text). , The implementation method of processing the payment approval.

According to FIG. 5, if the server receives payment approval request information (or full text) including the authentication number (or authentication code) and a one-time payment code from the client wireless terminal 105 through the process of FIG. 4 (500), The server reads the received payment approval request information and checks the one-time payment code and the authentication number (or authentication code) included in the payment approval request information (or full text) (505).

Then, the server checks the validity of the confirmed authentication number (or authentication code), the server is based on the authentication number (or authentication code) and the storage medium 160 included in the payment approval request information (or full text). By comparing the stored authentication number (or authentication code), the validity of the authentication number (or authentication code) is verified (510).

If the validation of the authentication number (or authentication code) is not successfully performed (515), the server generates (or extracts) a message containing the validation failure details of the merchant owner wireless terminal 100 And / or to the customer wireless terminal 105 (520).

On the other hand, if the validation of the authentication number (or authentication code) is successfully performed (515), the server reads the one-time payment code, and extracts (or confirms the customer card number and one-time random number included in the one-time payment code) In step 525, the validity of the extracted random number is checked (530).

The validity authentication for the one-time random number is performed by comparing the one-time random number read from the one-time payment code with the one-time random number generated in the same time zone during the payment process and pre-stored in the storage medium 160, thereby performing validation on the one-time random number. do.

If the validation for the one-time random number fails (535), the server generates (extracts) a message including the validation failure history and transmits it to the merchant owner wireless terminal 100 and / or customer wireless terminal 105. (520).

On the other hand, if the validity authentication for the one-time random number is successful (535), the server performs the payment approval process using the extracted (or confirmed) customer card number (540), and the payment approval processing details of the customer wireless terminal 105 And transmits to the merchant owner wireless terminal 100 (545).

FIG. 6 is a diagram illustrating a screen example of an information processing process of a customer wireless terminal 105 according to an exemplary embodiment of the present invention.

In more detail, as shown in FIG. 4 to FIG. 5, FIG. 6 provides a message requesting payment approval from the server to the customer wireless terminal 105, and is provided in the customer wireless terminal 105. As an example diagram of a customer wireless terminal 105 for a process of generating a one-time payment code through a payment code generation program and constructing payment approval request information (or full text) together with an authentication number (or authentication code) to the server. 6 is only to help understand the process of the customer wireless terminal 105, and is not limited to the implementation method illustrated in FIG.

When a message requesting payment approval from the server is received by the customer wireless terminal 105 (a), the one-time payment code generation program provided in the customer wireless terminal 105 is automatically (or according to the customer's key input or selection). May be driven (b).

Although not shown in Fig. 6, it is possible to set a predetermined driving password for driving the one-time payment code generation program.

In more detail, the one-time payment code generation program is driven in response to the receipt of the payment approval request message from the server, and then generates a predetermined random number for generating the one-time payment code, and is generated through the one-time payment code generation program. The random number is one authentication means for payment using the customer wireless terminal 105, so that the same random number is generated in the server, so that the random number generated in the one-time payment code generation program is compared with the random number generated in the server. Allow authentication to be performed.

In addition, the one-time payment code generation program checks (or extracts) the customer card number stored in the memory of the customer wireless terminal 105 or the IC chip detached from the customer wireless terminal 105 to generate a one-time payment code, and confirms ( Or extract) the combined customer card number and the generated random number to generate a one-time payment code, where the one-time payment code may be implemented in the form of a two-dimensional barcode (c).

Here, the one-time payment code generation program combines the customer card number and the random number according to a predetermined method, and the combined customer card number and the random number are two-dimensional through any one of Data Matrix or QR code Matrix or PDF417 or MaxiCode method. It will generate a barcode.

When the one time payment code generation program generates the one time payment code as described above, the one time payment code generation program outputs the generated one time payment code (c).

At this time, the one-time payment code generation program may output an interface for inputting the authentication number (or authentication code) that was transmitted to the affiliated store owner wireless terminal 100 generated in the server (c).

When the authentication number (or authentication code) transmitted to the merchant owner wireless terminal 100 through the output authentication number (or authentication code) input interface is transmitted to the customer or customer wireless terminal 105 is input, one-time payment code generation program Generates payment approval request information (or full text) for transmitting the generated one-time payment code and the input verification number (or verification code) to the server, and the payment includes the one-time payment code and verification number (or verification code). Sending the approval request information (or full text) to the server (d).

7 is a diagram illustrating an affiliated store wireless payment system according to another exemplary embodiment of the present invention.

In more detail, Figure 7 shows that when a customer purchases or orders an item through an offline merchant, when the customer wants to process the payment for the purchase price of the item through a wireless terminal held by the customer, the affiliated store provided with the merchant wireless terminal 700 A payment program, and inputs the customer wireless terminal 705 number and payment information (for example, a payment amount) to the server, and uses the customer card information previously registered in the storage medium 755 in the server. The present invention relates to a system configuration for transmitting a message to a customer wireless terminal 705 and receiving a response message for a credit card approval from the customer wireless terminal 705, thereby performing a payment approval process. If one of ordinary skill in the art, by referring to or modifying the Figure 7 to infer various implementation methods for the configuration of the merchant wireless payment system. As will be appreciated, the present invention encompasses all inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in connection with the merchant payment program and the customer wireless terminal 705 provided in the merchant owner wireless terminal 700 on the merchant wireless payment system shown in Figure 7, the payment processing for the purchase and order of goods in the offline merchants Components corresponding to at least one or more means or functional configurations for performing are defined herein as " merchant wireless payment servers (hereinafter referred to collectively as servers). &Quot;

Referring to FIG. 7 according to an embodiment of the present invention, an affiliated store wireless payment system includes a member store owner wireless terminal 700 owned by an owner (or a clerk) of an offline affiliated store, and a customer who requests goods payment through an offline affiliated store. It includes a customer wireless terminal 705, and the merchant owner wireless terminal 700 may be implemented by the present invention is provided with a merchant payment program.

According to one embodiment of the present invention, the merchant owner wireless terminal 700 intends to perform a payment method through a one-time payment code generation program provided in the customer wireless terminal 705 by a customer who wants to purchase or order goods through the affiliate store. If you do, it will drive the merchant payment program provided in the merchant owner wireless terminal (700).

When the merchant payment program provided in the affiliated store owner wireless terminal 700 is driven, the merchant payment program outputs an interface for inputting a wireless terminal number and payment information (for example, a payment amount) of a payment request customer, When the customer wireless terminal 705 number and payment information are input through the output interface, the input customer wireless terminal 705 number and payment information are transmitted to the server.

Then, the merchant payment program provided in the merchant owner wireless terminal 700 is connected to the card number corresponding to the customer wireless terminal 705 and the customer wireless terminal 705 number and payment information from the server storage medium ( A message confirming registration with 755 is received.

After the customer wireless terminal 705 number and payment information is transmitted to the server through the affiliated owner wireless terminal 700, the server refers to the customer wireless terminal 705 number, the customer wireless terminal 705 number After confirming the customer card number corresponding to the, when the customer card number is confirmed, the confirmed customer card number and payment information is processed in association with the storage medium 755, and the user approval message for using the confirmed customer card The wireless terminal 705 is transmitted.

Here, the customer wireless terminal 705 receives the card use approval message received from the server, and then generates (or creates) a response message corresponding to the received card use approval message and transmits it to the server.

According to the present invention, the merchant owner wireless terminal 700 and the customer wireless terminal 705 are all terminal devices connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the mobile Internet based on IEEE 802.16x. , Or generic term for all terminal devices connected to Motorola's DataTAC or Erricson's Mobitex-based wireless data communication network, and are a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal connected to a CDMA-based mobile communication network. Or a Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or IEEE 802.16x based portable A portable Internet terminal connected to the Internet, or a wireless Internet connection connected to DataTAC / Mobitex based wireless data network. It includes a data communication terminal, such as at least one.

In addition, the network means for connecting the merchant terminal wireless terminal 700 and the customer wireless terminal 705 and the server is based on CDMA based on the type of wireless communication network connected to the merchant terminal wireless terminal 700 and the customer wireless terminal 705 Either the mobile communication network, the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless data communication network, or any kind of wireless communication network proposed in the future including a predetermined wireless interval.

The storage medium 755 provided on the affiliated store wireless system according to the present invention stores one or more information for implementing the present invention and one or more information generated in the process of implementing the present invention.

For example, the merchant information stored in the storage medium 755 is a merchant name registered by the merchant owner to use the service according to the present invention, merchant number, merchant name, address, business registration number, merchant owner wireless terminal 700 number, It may include a type of business, a type of business, and the like.

The server provided on the affiliated store wireless payment system according to the present invention is a generic name of the affiliated store wireless payment system side components connected to the affiliated store owner wireless terminal 700 and the customer wireless terminal 705 through a predetermined network means. It may be implemented by including at least one server (or device), or may be implemented by including at least one or more functional configuration means, or may be implemented by at least one or more programs recorded on a recording medium included in a predetermined server (or device). .

According to the embodiment of the present invention, the server is a payment request customer wireless terminal 705 transmitted from the merchant payment program provided in the merchant owners wireless terminal 700 and information receiving means 710 for receiving payment information, and the customer And information checking means 715 for checking and authenticating, from the storage medium 755, the merchant information corresponding to the merchant terminal wireless terminal 700 providing the wireless terminal 705 number and payment information.

In addition, if the authentication of the affiliated store information is successfully performed through the member information checking means 715, the server extracts the customer card information previously stored in the storage medium 755 in response to the customer wireless terminal 705 number. When the card information corresponding to the customer wireless terminal 705 number is extracted through the extracting means 720 and the information extracting means 720, an information storing means for storing the extracted card information, payment information, and affiliated store information in association with each other; 725).

In addition, the server generates a message containing a history of accepting or rejecting (or canceling) payment through the use of the card, the message providing means 730 for providing to the customer wireless terminal 705, and the customer wireless terminal And a message receiving means 735 for receiving a response message corresponding to the provided message from 705.

In addition, the server reads the response message received from the customer wireless terminal 705, message reading means 740 for confirming the payment consent or cancellation (or rejection) details contained in the response message, and the message reading means 740 Payment approval processing means 745 for payment approval processing in accordance with the reading result of the transaction, and processing history providing means 750 for providing the payment approval processing details to the customer wireless terminal 705 and the merchant owner wireless terminal 700. .

8 is a diagram illustrating a process of providing a customer wireless terminal 705 number and payment information from a merchant owner wireless terminal 700 to a server according to an exemplary embodiment of the present invention.

In more detail, FIG. 8 illustrates that when a customer who purchases (or orders) an item through an offline merchant on the merchant wireless payment system shown in FIG. 7 requests a payment using an authorization through the customer wireless terminal 705, the merchant owner. When the customer wireless terminal 705 number and payment information are transmitted to the server through a payment program for the affiliate store provided in the wireless terminal 700, the server stores the card information corresponding to the customer wireless terminal 705 number in the storage medium 755. After confirming (or extracting) from the customer card information and payment information confirmed (or extracted) in association with the registration method, and then transmitting the registration details to the merchant terminal wireless terminal 700, the present invention is Those skilled in the art to which the present invention pertains to information transmission and reception between the affiliated store program and the server provided in the affiliated store owner wireless terminal 700 by referring to or modifying this figure 8. It is possible to infer how the various embodiments.

In addition, in FIG. 8, it is assumed that the affiliated store owner wireless terminal 700 is provided with a payment program for the affiliated store.

Referring to FIG. 8, when a customer requests a payment using the approval of a customer wireless terminal 705 at the time of offline merchant merchandise payment (or order) (800), the merchant payment program for the affiliated store owner wireless terminal 700 is installed. (805).

When the affiliated payment program installed in the affiliated store owner wireless terminal 700 is driven, the affiliated store payment program outputs an interface for inputting a customer wireless terminal 705 number and payment information (810).

When payment information including the customer wireless terminal 705 number and payment amount is input (or selected) through the output interface (815), the merchant payment program connects the communication channel with the server, and then the customer wireless terminal. In operation 820, the number and payment information are transmitted to the server.

When the customer wireless terminal 705 number and payment information are received, the server checks the validity of the received payment information (825).

Here, the server checks the merchant information corresponding to the affiliated store owner wireless terminal 700 providing the customer wireless terminal 705 number and payment information from the storage medium 755, and confirms the validity of the affiliated store owner and the affiliated owner wireless terminal. Done.

If the validity of the payment information is not confirmed (830), the server generates (or extracts) a message including the validation failure details and transmits to the merchant owner wireless terminal 700 (835).

On the other hand, if the validity of the payment information is confirmed (830), the server checks whether the card information corresponding to the customer wireless terminal 705 number is already registered, and if registered, the customer wireless terminal from the storage medium 755 (705) The card information corresponding to the number is checked (or extracted) (840).

If the card information corresponding to the customer wireless terminal 705 number is not registered (845), the server generates (or extracts) a message including a card information extraction failure history (or payment service unavailable history). The merchant transmits to the owner wireless terminal 700 (850).

On the other hand, if the card information corresponding to the customer wireless terminal 705 number is registered, so that card information extraction (or confirmation) from the storage medium 755 is possible (845), the server checks from the storage medium 755 ( Alternatively, the extracted card information and payment information are linked and stored in the storage medium 755 (855).

Then, the server transmits the storage information for the card information and payment information to the merchant owner wireless terminal 700 (860), and generates and transmits a message for requesting the payment approval request to the customer wireless terminal (705) (865). ).

FIG. 9 is a diagram illustrating a screen example of an information processing process of an affiliated store owner wireless terminal 700 according to an exemplary embodiment of the present invention.

In more detail, as shown in the process of FIG. 8, FIG. 9 shows that, on the merchant wireless payment system shown in FIG. 7, a customer who purchases (or orders) an item through an offline merchant stores the customer wireless terminal 705. In case of requesting payment using the approval through the customer, the customer wireless terminal 705 number and payment information are transmitted to the server through the merchant payment program provided in the merchant owner wireless terminal 700, and the server wireless terminal 705 number from the server. After confirming (or extracting) the card information corresponding to the information from the storage medium (755), and registering and confirming (or extracted) the customer card information and payment information, and then register the registration details to the merchant owner wireless terminal 700 In the process of transmitting, as an example of a screen for the information processing process output on the screen of the merchant owner wireless terminal 700, Figure 9 is only to help understand the above process, Figure 9 It is not limited only to the implementation method shown.

First, when a customer requests payment for an item purchase through an offline merchant to use a payment method previously registered on the server according to the approval of the customer wireless terminal 705, the affiliated store owner or the clerk stores the affiliated owner wireless terminal 700 Select and drive the payment program for the merchant provided in (a).

When the merchant payment program is executed (b), the merchant payment program selects a menu for registering the wireless terminal number and the payment amount of the customer who made the payment request to the server (c), and the customer wireless terminal 705 number and When the interface for inputting the payment amount is output, the customer wireless terminal 705 number and payment amount are input through the output interface (d), and the input customer wireless terminal 705 number and payment amount are transmitted to the server ( e).

Thereafter, after the card information corresponding to the customer wireless terminal 705 number is confirmed (or extracted) in the server and the payment information and the card information are successfully registered, the server transmits the registration details to the affiliated store owner wireless terminal 700. In addition, a message indicating the successful registration of payment information is output to the affiliated store owner wireless terminal 700 (f).

FIG. 10 is a diagram illustrating a process of providing a customer wireless terminal 705 number and payment information from an affiliated store owner wireless terminal 700 to a server according to an exemplary embodiment of the present invention.

More specifically, FIG. 10 illustrates an affiliate owner's wireless terminal when a customer who purchases (or orders) an item through an offline merchant requests payment using an authorization through the customer's wireless terminal 705, as described in FIG. When the customer wireless terminal 705 number and payment information are transmitted to the server through the payment program for the affiliated store provided at 700, the server stores the card information corresponding to the customer wireless terminal 705 number from the storage medium 755. After confirming (or extracting) and registering and registering the confirmed (or extracted) customer card information and payment information, the server agrees or rejects (or cancels) the use of the payment method to the customer wireless terminal 705. In the embodiment of the present invention, a request message is transmitted, a response message corresponding to the transmitted message is transmitted from the customer wireless terminal 705 to the server, and payment processing is performed according to the contents of the transmitted response message. It is about.

Referring to FIG. 10, when the server generates a message for requesting payment approval consent using the customer wireless terminal 705 and transmits the message to the customer wireless terminal 705 (1000), the customer wireless terminal 705 is received from the server. A response message including payment agreement or cancellation details corresponding to the payment request consent message is created (1005), and the created response message is transmitted to the server (1010).

When the server receives a response message including payment approval consent or cancellation details from the customer wireless terminal 705 (1015), the server reads the received response message and checks the payment consent or cancellation details included in the response message (1020). .

As a result of reading the response message, if the customer does not agree to the payment (1025), the server generates (or extracts) a message including payment approval cancellation history to the merchant owner wireless terminal 700 and the customer wireless terminal (705). Transmit (1030).

On the other hand, as a result of reading the response message, if the customer agrees to payment (1025), the server checks (or extracts) payment information and card information associated with the customer's mobile phone stored in the storage medium 755 (1035), and confirms In operation 1040, the payment approval process is performed using the extracted payment information and the card information.

In operation 1045, the server notifies the payment approval processing result by transmitting the payment approval processing details to the affiliated store owner wireless terminal 700 and the customer wireless terminal 705.

11 is a diagram illustrating a screen example of an information processing process of a customer wireless terminal 705 according to an embodiment of the present invention.

In more detail, as shown in the process of FIG. 10, FIG. 11 transmits a message requesting the agreement or rejection (or cancellation) of the use of the payment method from the server to the customer wireless terminal 705, and transmitting the message. An example of a screen is displayed on the screen of the customer wireless terminal 705 in the process of transmitting a response message corresponding to the received message from the customer wireless terminal 705 to the server, and payment processing is performed in accordance with the contents of the response message transmitted. 11 is merely to help understanding the above processes, and is not limited to the implementation method illustrated in FIG.

First, when a message is received from the server requesting the customer wireless terminal 705 to use a pre-registered payment means on the server (a), the customer wireless terminal 705 checks the payment information and agrees to the payment approval. Select (or input) whether or not to cancel (or reject) (b), and send a response message to the server (c).

In this case, the affiliated store owner or clerk drives the payment program for the affiliated store provided in the affiliated store owner wireless terminal 700 (a).

Subsequently, payment approval processing corresponding to the response message sent to the server is in progress, and when the server transmits a message about payment approval processing history (d), the customer wireless terminal 705 outputs the transmitted message to process the payment approval. Check the details (e).

1 is a view showing a merchant wireless payment system according to an embodiment of the present invention.

2 is a diagram illustrating a process of providing a customer wireless terminal number and payment information from a merchant owner wireless terminal to a server according to an exemplary embodiment of the present invention.

3 is a diagram illustrating a screen example of an information processing process of an affiliate owner wireless terminal according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a process of generating a one-time payment code in a customer wireless terminal after receiving a message requesting payment approval from a server to a customer wireless terminal according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a process of processing a payment approval in a server in response to payment approval request information transmitted from a customer wireless terminal according to an exemplary embodiment of the present invention.

6 is a diagram illustrating a screen example of an information processing process of a customer wireless terminal according to one embodiment of the present invention.

7 is a diagram illustrating an affiliated store wireless payment system according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a process of providing a customer wireless terminal number and payment information from a merchant owner wireless terminal to a server according to an exemplary embodiment of the present invention.

FIG. 9 is a diagram illustrating a screen example of an information processing process of an affiliate store owner wireless terminal according to one embodiment of the present invention.

10 is a diagram illustrating a process of providing a customer wireless terminal number and payment information from a merchant owner wireless terminal to a server according to an exemplary embodiment of the present invention.

11 is a diagram illustrating a screen example of an information processing process of a customer wireless terminal according to one embodiment of the present invention.

<Description of main parts of drawing>

100: wireless terminal 105: wireless terminal

110: purchase information check means 115: member information check means

120: authentication number processing means 125: message processing means

130: random number generating means 135: information receiving means

140: information reading means 145: validation means

150: payment approval processing means 155: information providing means

160: storage medium

Claims (10)

When purchasing (or ordering) an item through an offline merchant, a payment request is made according to a payment request using a wireless terminal of a customer requesting a payment, and after running a payment program for a merchant mounted in the wireless terminal of the merchant, the customer wireless terminal number in the payment program for the merchant, Outputting an interface for inputting payment information including payment amount information; Transmitting payment information input through the interface to a server in the merchant payment program; Generating an authentication number (or authentication code) corresponding to the transmitted payment information from a server and transmitting the authentication number to the affiliated owner wireless terminal; Transmitting a message for requesting a payment approval from a server to a customer wireless terminal corresponding to the customer wireless terminal number included in the payment information; Generating a one-time payment code using a customer card number in a one-time payment code generation program installed in the customer wireless terminal; And Requesting payment approval by transmitting payment approval request information including the generated one-time payment code and the authentication code (or authentication code) transmitted to the affiliated store owner's wireless terminal in the payment code generation program; Merchant wireless payment method, characterized in that made. The method of claim 1, Verifying validity of payment approval request information received from the one-time payment code generation program at a server; Performing a payment approval process corresponding to the validation result at the server; And And transmitting the settlement approval processing result from the server to the affiliated store owner wireless terminal and the customer wireless terminal. When purchasing (or ordering) an item through an offline merchant, a payment request is made according to a payment request using a wireless terminal of a customer requesting a customer, and after operating a payment program for an affiliated store in the merchant owner's wireless terminal, the customer's wireless terminal number and payment amount in the merchant payment program. Outputting an interface for inputting payment information including information; Transmitting payment information input through the interface to a server in the merchant payment program; The server checks (or extracts) the card number corresponding to the customer wireless terminal number included in the transmitted payment information from the storage medium, and stores the stored card in the storage medium by linking the confirmed (or extracted) card number with the payment information. Making; Transmitting, from a server, a message requesting approval of payment for the payment information to a customer wireless terminal corresponding to the customer wireless terminal number; Generating (or inputting) a response message corresponding to a payment approval consent request message from the customer wireless terminal and transmitting the response message to the server; And And performing a payment approval process corresponding to a payment agreement or a payment cancellation history included in a response message received from the customer wireless terminal in the server. The method of claim 3, wherein The server checks (or extracts) a card number corresponding to the customer wireless terminal number included in the transmitted payment information from the storage medium, and processes the card number and the payment information confirmed (or extracted) in association with the storage medium. The saving step is The merchant wireless payment method further comprises the step of transmitting the payment processing information and the card information stored in the affiliated store owner wireless terminal in the server. The method of claim 3, wherein Generating (or entering) a response message corresponding to a payment approval consent request message from the customer wireless terminal and transmitting the response message to the server, Generating a one-time authentication code to be included in the response message in the one-time payment code generation program installed in the customer wireless terminal; And generating (or inputting) a response message including the generated one-time authentication code and payment agreement or payment cancellation history in the customer wireless terminal. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. When purchasing (or ordering) an item through an offline merchant, the payment request outputs an interface for inputting payment information including a customer wireless terminal number and payment amount information according to a payment request using a wireless terminal of the customer, and outputs the interface. Merchant store wireless terminal is provided with a payment program for transmitting the payment information input through the server, and receives the authentication number (or authentication code) corresponding to the payment information from the server; Generates an authentication number (or authentication code) corresponding to the payment information transmitted from the merchant owner terminal, transmits to the merchant owner wireless terminal, and pays to the customer wireless terminal corresponding to the customer wireless terminal number included in the payment information A server for transmitting a message for approval request; And Driven by the one-time payment request message sent from the server, combined with the customer card number or generates a one-time random number to be added to the customer card number to generate a payment code, and combine the generated one-time random number with the customer card number Or add to a customer card number, and generate a one-time payment code using the card number to which the one-time random number is combined or added, and then the authentication number (or authentication) input through the generated one-time payment code and a predetermined input interface And a customer wireless terminal for transmitting the payment approval request information including a code) to the server. The method of claim 7, wherein the server, Read the one-time payment code included in the payment approval request information received from the payment code generation program, separate and confirm the customer card number and the one-time random number, and verify the validity of the confirmed customer card number and one-time random number payment Merchant wireless payment system, characterized in that the authorization process. When purchasing (or ordering) an item through an offline merchant, according to a payment request using a payment request customer's wireless terminal, outputs an interface for inputting payment information including a customer wireless terminal number and payment amount information, and outputs the Merchant owner wireless terminal equipped with a payment program for the merchant to transmit the payment information entered through the interface to the server; The card number corresponding to the customer wireless terminal number included in the payment information transmitted from the affiliated store owner's wireless terminal is confirmed (or extracted) from the storage medium, and the card number and the payment information confirmed (or extracted) are linked and processed. A server for storing in a medium and transmitting a message requesting consent of payment for the payment information to a customer wireless terminal corresponding to the customer wireless terminal number; And Client wirelessly receives a payment approval consent request message for the purchase (or order) of the goods from the server, and transmits a response message including payment agreement or cancellation details corresponding to the received payment approval consent request message to the server. Merchant wireless payment system, characterized in that comprises a terminal. The method of claim 9, wherein the server, Merchant wireless payment system characterized in that for performing the payment approval processing corresponding to the payment agreement or cancellation details contained in the response message corresponding to the payment approval consent request message received from the customer wireless terminal.

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