KR20120100640A - Method and system of payment using identifiers and terminal thereof - Google Patents

Abstract

The present invention allows a user to easily request a payment through an identifier including purchase information existing on an online / offline medium, and by performing authentication on the identifier, a payment method using the identifier for preventing the purchase information from being forged and It is about the system.
In accordance with an embodiment of the present invention, a payment method using an identifier includes: recognizing, by a mobile terminal, the identifier; Extracting, by the mobile terminal, the recognized identifier and input data including purchase information and identifier authentication information; Transmitting, by the mobile terminal, payment request information including the input data, the identifier authentication information, and payment means information to a payment broker server; Performing, by the payment broker server, authentication of the identifier based on the identifier authentication information; And if the authentication is successful, the payment intermediation server may include the step of requesting the payment approval to the card company server.

Description

METHOD AND SYSTEM OF PAYMENT USING IDENTIFIERS AND TERMINAL THEREOF}

The present invention relates to a payment method and system using an identifier recognized through a mobile terminal, and a mobile terminal therefor.

The mobile terminal may be configured to perform various functions. Examples of such various functions include a data and voice communication function, a function of photographing a video or a moving image through a camera, a voice storage function, a music file playback function through a speaker system, and an image or video display function. Some mobile terminals include additional functionality to play games, while others are implemented as multimedia devices.

Moreover, as the spread of smart phones has accelerated in recent years, more functions have been installed in mobile terminals. In particular, as wireless communication functions have been strengthened, users can easily enjoy mobile shopping, search for information, and access various contents such as news and magazine articles using a mobile terminal.

However, even if the functions of the mobile terminal are diversified, it is difficult for a user to immediately purchase a product in an online / offline medium that he / she is facing. For example, when a user reads a fashion magazine, even if he / she wants to purchase specific clothing existing in the fashion magazine, the user has no choice but to contact a retailer who sells the specific clothing or visit an Internet shopping mall, a department store, or the like.

Therefore, there is a need for the introduction of a payment system that allows a user to immediately purchase a product on the online / offline media that he or she currently encounters.

An object of the present invention is to enable a user to easily request a payment through an identifier including purchase information existing on an online / offline medium, and by performing authentication on the identifier, payment using an identifier to prevent the purchase information from being forged. A method and system, and a mobile terminal for the same.

In order to achieve the above object, the present invention includes the steps of recognizing the identifier by the mobile terminal; Extracting, by the mobile terminal, the recognized identifier and input data including purchase information and identifier authentication information; Transmitting, by the mobile terminal, payment request information including the input data, the identifier authentication information, and payment means information to a payment broker server; Performing, by the payment broker server, authentication of the identifier based on the identifier authentication information; And if the authentication is successful, the payment intermediation server provides a payment method comprising the step of requesting the payment approval to the card company server.

In order to achieve the above object, the present invention provides a method, comprising: storing, by a mobile terminal, the verification factor when the verification factor is a fixed value; Recognizing an identifier by the mobile terminal; Extracting, by the mobile terminal, the recognized identifier and input data including purchase information and identifier authentication information; Generating, by the mobile terminal, identifier authentication information using the extracted input data and the verification factor; Determining, by the mobile terminal, whether the generated identifier authentication information matches the identifier authentication information extracted from the identifier; And if it matches, transmitting, by the mobile terminal, payment request information including the input data and payment means information to a payment broker server.

In order to achieve the above object, the present invention recognizes an identifier, analyzes the recognized identifier, extracts input data and identifier authentication information including purchase information, and inputs the input data, the identifier authentication information, and a payment brokerage server. A mobile terminal for transmitting payment request information including payment means information; And a payment intermediation server that performs authentication on the identifier based on the identifier authentication information and, upon successful authentication, requests a payment approval from a card company server.

In order to achieve the above object, the present invention provides a memory for storing the verification factor when the verification factor is a fixed value; An identifier recognizer for recognizing the identifier; An identifier analyzing unit configured to extract the input data including the purchase information and the identifier authentication information by analyzing the recognized identifier; A controller configured to generate identifier authentication information by using the extracted input data and the verification factor, and determine whether the generated identifier authentication information matches the identifier authentication information extracted from the identifier; And a wireless communication unit which transmits payment request information including the input data and payment means information to a payment intermediation server, if there is a match.

According to an embodiment of the present invention, by requesting a payment through a mobile terminal that recognizes an identifier including purchase information, a user may conveniently purchase a product. In particular, since the user does not need to visit a retail store or make a phone order to purchase a product, user convenience may be increased.

In addition, according to one embodiment of the present invention, since payment means information (for example, credit card information) does not need to be provided to the merchant terminal, payment means information can be prevented from being used illegally.

On the other hand, according to an embodiment of the present invention, by performing the authentication process for the identifier including the purchase information, it is possible to prevent the purchase information is forged or tampered.

1 is a block diagram illustrating a payment system related to an embodiment of the present invention.
2 is a block diagram of a mobile terminal according to an embodiment of the present invention.
3 is a block diagram of a payment intermediation server related to an embodiment of the present invention.
4 is a flowchart illustrating a payment method associated with an embodiment of the present invention.
5 is a view for explaining an electronic wallet module related to an embodiment of the present invention.
6 is a view for explaining a payment method using a plurality of identifiers related to an embodiment of the present invention.

The terms used in this specification will be briefly described and the present invention will be described in detail.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments. Also, in certain cases, there may be a term selected arbitrarily by the applicant, in which case the meaning thereof will be described in detail in the description of the corresponding invention. Therefore, the terms used in the present invention should be defined based on the meanings of the terms and the contents throughout the present invention, rather than the names of the simple terms.

In the specification, an identifier may mean an information storage medium including purchase information about a product. An example of the identifier may be a barcode, a wireless communication tag, a color code, or the like. The barcode may include a one-dimensional code, a two-dimensional code (eg, a QR code), and a three-dimensional code. The identifier may be on an online medium or an offline medium.

Throughout the specification, the purchase information refers to information on details of a user's purchase transaction. The purchase information includes information on a purchased product (product code, date of manufacture, expiration date, product price, manufacturer, color, size, quantity of goods, etc.), information on purchase service (service price, additional value of additional service, service item). , Service provision periods, etc.), merchant information (such as merchant name, merchant number, unique number of merchant terminal, online shopping mall Internet address, etc.), and installment months.

In the entire specification, identifier authentication information means information for performing authentication on the identifier. That is, the identifier authentication information is for confirming whether the identifier is generated through a normal method or whether there is a forgery for the purchase information. The identifier authentication information is generated through input data and verification factors including purchase information used when generating an identifier. According to an embodiment of the present invention, the identifier authentication information may be a hash value.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

1 is a block diagram illustrating a payment system related to an embodiment of the present invention.

As shown in FIG. 1, according to an embodiment of the present invention, the payment system may include a mobile terminal 100, a payment brokerage server 200, and a card company server 300.

According to an embodiment of the present invention, the mobile terminal 100 may be implemented in various forms. For example, the mobile terminal 100 described in the present specification may be a mobile phone, a smart phone, a notebook computer, a digital broadcasting terminal, a personal digital assistant (PDA), a portable multimedia player (PMP), or navigation. , And the like.

According to an embodiment of the present invention, the payment broker server 200 is a server for brokering the payment between the user and the card company server 300. The payment broker server 200 may be a value added network (VAN) server, a payment gateway (PG) server, or may be a server linked with a card company server or a financial company server. In addition, according to an embodiment of the present invention, the payment brokerage server 200 and the card company server 300 may be implemented as one server.

The card company server 300 may receive a payment approval request from the payment intermediation server 200. In addition, the card company server 300 may perform a payment approval process based on the payment approval request. The card company server 300 may transmit the payment approval result to the payment intermediation server 200 or the mobile terminal 100.

 2 is a block diagram of a mobile terminal according to an embodiment of the present invention. The illustrated mobile terminal 100 includes a wireless communication unit 110, an A / V input unit 120, a user input unit 130, a sensing unit 140, an output unit 150, a memory 160, The interface unit 170, the identifier analyzer 180, and the controller 190 may be included.

2 illustrates a mobile terminal 100 having various components. However, not all illustrated components are required. The mobile terminal 100 may be implemented by more components than the illustrated components, and the mobile terminal 100 may be implemented by fewer components.

Meanwhile, according to an embodiment of the present invention, the mobile terminal 100 may include an identifier recognizer that recognizes the identifier. The identifier recognition unit may be a wireless communication unit 110 or a barcode recognition unit (camera) 121. For example, when the identifier is a barcode, the barcode recognizer (camera) 121 may be an identifier recognizer. In addition, when the identifier is a wireless communication tag, the wireless communication unit 110 may be an identifier recognition unit.

Hereinafter, the components will be described in order.

The wireless communication unit 110 may include one or more components for wireless communication between the mobile terminal 100 and the wireless communication system or wireless communication between the mobile terminal 100 and a network in which the mobile terminal 100 is located. For example, the wireless communication unit 110 may include a broadcast receiving module 111, a mobile communication module 112, a wireless Internet module 113, a short range communication module 114, and a location information module 115 .

The broadcast receiving module 111 receives a broadcast signal and / or broadcast related information from an external broadcast management server through a broadcast channel. The broadcast channel may include a satellite channel and a terrestrial channel. The broadcast management server may refer to a server for generating and transmitting broadcast signals and / or broadcast related information, or a server for receiving broadcast signals and / or broadcast related information generated by the broadcast management server and transmitting the generated broadcast signals and / or broadcast related information. The broadcast-related information may refer to a broadcast channel, a broadcast program, or information related to a broadcast service provider. The broadcast signal may include a TV broadcast signal, a radio broadcast signal, a data broadcast signal, and a broadcast signal in which a data broadcast signal is combined with a TV broadcast signal or a radio broadcast signal.

In addition, the mobile communication module 112 transmits and receives radio signals to at least one of a base station, an external terminal, and a server on a mobile communication network. Here, the wireless signal may include various types of data depending on a voice call signal, a video call signal, or a text / multimedia message transmission / reception.

The wireless Internet module 113 is a module for wireless Internet access, and the wireless Internet module 113 can be built in or externally.

The short range communication module 114 refers to a module for short range communication. Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, Near Field Communication (NFC), and the like may be used as a short range communication technology.

The location information module 115 is a module for confirming or obtaining the location of the mobile terminal. One example is the Global Position System (GPS) module. The GPS module receives position information from a plurality of satellites. Here, the location information may include coordinate information indicated by latitude and longitude. For example, the GPS module can measure the exact time and distance from three or more satellites and accurately calculate the current position by triangulating three different distances. A method of obtaining distance and time information from three satellites and correcting the error with one satellite may be used. In particular, the GPS module can obtain not only the location of latitude, longitude, and altitude but also accurate time together with three-dimensional speed information from the location information received from the satellite.

Meanwhile, the A / V input unit 120 is for inputting an audio signal or a video signal, and may include a barcode recognition unit (camera) 121 and a microphone 122. The camera 121 processes image frames such as still images or moving images obtained by the image sensor in the video call mode or the photographing mode. The processed image frame may be displayed on the display unit 151. According to an embodiment of the present invention, the camera 121 may recognize an identifier (bar code, etc.).

The image frame processed by the camera 121 may be stored in the memory 160 or transmitted to the outside through the wireless communication unit 110. [ The camera 121 may be equipped with two or more cameras according to the configuration of the terminal.

The microphone 122 receives an external sound signal through a microphone in a communication mode, a recording mode, a voice recognition mode, or the like, and processes it as electrical voice data. The processed voice data may be converted into a form transmittable to the mobile communication base station through the mobile communication module 112 and output in the communication mode. The microphone 122 may be implemented with various noise removing algorithms for removing noise generated in the process of receiving an external sound signal.

The user input unit 130 generates input data for a user to control the operation of the terminal. The user input unit 130 may include a key pad dome switch, a touch pad (static pressure / capacitance), a jog wheel, a jog switch, and the like. In particular, when the touch pad has a mutual layer structure with the display unit 151 described later, this may be referred to as a touch screen.

The sensing unit 140 senses the current state of the mobile terminal 100 such as the open / close state of the mobile terminal 100, the position of the mobile terminal 100, the presence or absence of user contact, the orientation of the mobile terminal, And generates a sensing signal for controlling the operation of the mobile terminal 100. For example, when the mobile terminal 100 is in the form of a slide phone, it may sense whether the slide phone is opened or closed. Also, it is responsible for a sensing function related to whether or not the power supply unit 190 is powered on, whether the interface unit 170 is connected to an external device, and the like.

The interface unit 170 serves as an interface with all external devices connected to the mobile terminal 100. For example, a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, a port for connecting a device having an identification module, an audio I / O port, Video input / output (I / O) ports, earphone ports, and the like.

Here, the identification module is a chip that stores various information for authenticating the use right of the mobile terminal 100, and includes a user identification module (UIM), a subscriber identity module (SIM) ), A Universal Subscriber Identity Module (" USIM "), and the like. In addition, an apparatus having an identification module (hereinafter referred to as 'identification device') can be manufactured in a smart card format. Accordingly, the identification device can be connected to the terminal 100 through the port. The interface unit 170 receives data from an external device or receives power from the external device to transfer the data to each component in the mobile terminal 100 or to transmit data in the mobile terminal 100 to an external device.

Meanwhile, a mobile card may be stored in the universal user authentication module (USIM). The USIM consists of a small CPU and memory. The CPU identifies the user with the encryption / decryption function, and the memory is used as storage space for additional services. That is, the security zone 120 may serve as a hardware security module (HSM). Therefore, even if the mobile card is stored in the USIM, security problems may not occur.

The output unit 150 is for outputting an audio signal, a video signal, or an alarm signal. The output unit 150 may include a display unit 151, a sound output module 152, an alarm unit 153, and the like.

The display unit 151 displays and outputs information processed by the mobile terminal 100. For example, when the mobile terminal is in the call mode, a UI (User Interface) or a GUI (Graphic User Interface) associated with a call is displayed. When the mobile terminal 100 is in a video call mode or a photographing mode, the mobile terminal 100 displays a photographed and / or received image, a UI, or a GUI.

Meanwhile, as described above, when the display unit 151 and the touch pad form a mutual layer structure to form a touch screen, the display unit 151 may be used as an input device in addition to the output device. The display unit 151 may be a liquid crystal display, a thin film transistor-liquid crystal display, an organic light-emitting diode, a flexible display, a three-dimensional display 3D display). In addition, two or more display units 151 may exist according to the implementation form of the mobile terminal 100. For example, an external display unit (not shown) and an internal display unit (not shown) may be simultaneously provided in the mobile terminal 100. The touch screen may be configured to detect not only the touch input position and the touched area but also the touch input pressure. In addition, the touch screen may be configured to detect not only the real-touch but also proximity touch.

The audio output module 152 outputs audio data received from the wireless communication unit 110 or stored in the memory 160 in a call signal reception mode, a call mode or a recording mode, a voice recognition mode, a broadcast reception mode, The sound output module 152 outputs an acoustic signal related to functions (e.g., call signal reception sound, message reception sound, etc.) performed in the mobile terminal 100. [ The sound output module 152 may include a speaker, a buzzer, and the like.

The alarm unit 153 outputs a signal for notifying the occurrence of an event of the mobile terminal 100. Examples of events occurring in the mobile terminal 100 include call signal reception, message reception, and key signal input. The alarm unit 153 may output a signal for informing occurrence of an event in a form other than an audio signal or a video signal. For example, it is possible to output a signal in a vibration mode. When a call signal is received or a message is received, the alarm unit 153 can output a vibration to notify it. Alternatively, when the key signal is input, the alarm unit 153 can output the vibration by the feedback to the key signal input. The user can recognize the occurrence of an event through the vibration output as described above. Of course, the signal for event occurrence notification may be output through the display unit 151 or the voice output module 152.

The memory 160 may store a program for processing and controlling the controller 190 and may provide a function for temporarily storing input / output data (for example, a phone book, a message, a still image, a video, etc.). It can also be done.

The memory 160 may be a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (for example, SD or XD memory), a RAM (Random Access Memory) SRAM (Static Random Access Memory), ROM (Read Only Memory), EEPROM (Electrically Erasable Programmable Read-Only Memory), PROM (Programmable Read- And an optical disc. In addition, the mobile terminal 100 may operate a web storage that performs a storage function of the memory 160 on the Internet.

Meanwhile, according to an embodiment of the present invention, when the verification factor is a fixed value irrespective of the affiliate store and the identifier, the memory 160 may store the verification factor.

The identifier analyzer 180 may analyze the identifiers recognized by the wireless communication unit 110 or the barcode recognition unit 121. The identifier analyzer 180 may extract purchase information and identifier authentication information included in the identifier through the analysis.

In addition, the controller 190 typically controls the overall operation of the mobile terminal. For example, voice communication, data communication, video communication, and the like. In addition, the controller 190 may include an electronic wallet module 191 for payment and a shopping cart module 192 for managing purchase information for a plurality of identifiers. The electronic wallet module 191 and the shopping cart module 192 may be implemented in the controller 190 or may be implemented separately from the controller 190. The user may select a specific payment method through the electronic wallet module 191.

On the other hand, the shopping cart module 192 may be driven in the mobile terminal 100, but may be driven in conjunction with the mobile terminal 100 on another server or website.

On the other hand, if the verification factor is a fixed value irrespective of the affiliated store and the identifier, the controller 190 may perform an authentication procedure for the identifier using the verification factor.

3 is a block diagram of a payment intermediation server related to an embodiment of the present invention.

As shown in FIG. 3, according to an embodiment of the present invention, the payment broker server 200 may include an identifier generator 210, a receiver 220, an authenticator 230, a transmitter 240, and a database. 250, the controller 260 may be included. However, not all illustrated components are required. The payment broker server 200 may be implemented by more components than the illustrated components, or the payment broker server 200 may be implemented by fewer components.

The identifier generator 210 may generate output data using the input data including the purchase information and the verification factor. The output data may include identifier authentication information in addition to the input data. The identifier generator 210 generates an identifier using the output data. The input data means information used when generating the identifier. The input data may include product information, affiliate store information, a marketing URL (uniform / universal resource locator), an identifier basic attribute code, and the like. The marketing URL may be a web site address for displaying the product information.

The verification factor means a factor for generating the identifier authentication information. The verification factor may be additional data other than the input data. The verification factor may be a key value for encrypting the input data.

For example, when the verification factor is additional data α other than the input data A, B, and C, the identifier authentication information may be generated as follows.

Identifier authentication information = hash (A, B, C, α)

A, B, C = input data, α = verification factor

That is, the identifier authentication information may be a hash value for data including a verification factor in the input data.

In addition, when the verification factor is a key value for encrypting the input data, the identifier authentication information may be generated as follows.

Identifier authentication information = hash [ENC (A, B, C, key)]

A, B, C = input data, key = verification factor

That is, the identifier authentication information may be a hash value for data obtained by encrypting the input data with a verification factor (key value).

Meanwhile, the verification factor used when generating identifier authentication information may be different for each identifier. For example, the verification factor may be a specific value set for each affiliate or a random value used once in generating an identifier. In addition, the verification factor may be a fixed (unique) value regardless of the merchant and the identifier.

The receiver 220 may receive input data including the purchase information, the identifier authentication information, and payment request information including payment means information. The payment means information means information about the payment means that the user intends to use in the purchase. The payment means may be a postpaid card, prepaid card, mobile card, virtual card, account transfer.

 A mobile card is a new type of medium that can be used for payment by utilizing the communication connectivity and security of a mobile communication terminal, away from the traditional plastic plate. In addition, the mobile card is to enable the function of the smart card in the mobile phone, and supports functions such as credit card, debit card, transportation card, identification card (ID card), online payment.

According to an embodiment of the present invention, the mobile card may be a card for receiving the same card service from the mobile terminal 100 in response to a plastic card issued previously. According to another embodiment of the present invention, the mobile card may be a card that is newly issued and can be used only in the mobile terminal 100 without a plastic card having the same content.

Hereinafter, a description will be given of a mobile card as an example of the payment means.

On the other hand, the receiving unit 220 may receive a payment approval result from the card company server 300.

The authenticator 230 may perform authentication on the identifier based on the identifier authentication information received by the receiver 220. For example, the authenticator 230 may newly generate identifier authentication information using the received input data and pre-stored verification factors. The authenticator 230 determines whether the generated identifier authentication information matches the identifier authentication information received from the mobile terminal 100. If the generated identifier authentication information and the received identifier authentication information do not match, the authentication unit 230 may determine that the input data is forged.

Meanwhile, according to an embodiment of the present invention, when the authentication unit 230 fails to authenticate the identifier, the authentication unit 230 may transmit an identifier authentication information re-request message to the mobile terminal 100 for a predetermined number of times.

When the transmission unit 240 succeeds in authenticating the identifier, the transmission unit 240 may make a payment approval request to the card company server 300. In addition, the transmitter 240 may transmit the received payment approval result to the mobile terminal 100.

Meanwhile, the transmission unit 240 may transmit delivery request information including delivery information and purchase information of the user to a delivery management server. The delivery information may include a delivery address, a delivery specific matter (damage notice, storage in a management room, etc.), a sender, a recipient, a contact address, and the like.

According to an embodiment of the present invention, the delivery management server may be a server of a specific affiliated store, or a server for integrated management of affiliated stores. The delivery management server may receive overall delivery information and purchase information so that the corresponding affiliate stores the goods to a user (recipient).

According to an embodiment of the present invention, the database 250 may store identifier information. The identifier information is information about an identifier generated by the identifier generator 210 and may include an identifier image, input data used when generating the identifier, a verification factor, and merchant information.

The controller 260 may control the identifier generator 210, the receiver 220, the authentication unit 230, the transmitter 240, and the database 250 as a whole.

Hereinafter, a method of recognizing an identifier through each configuration of the mobile terminal 100 and the payment intermediation server 200 and authenticating the identifier will be described in detail.

4 is a flowchart illustrating a payment method associated with an embodiment of the present invention.

As shown in FIG. 4, according to an embodiment of the present invention, the mobile terminal 100 may recognize an identifier [S410]. The identifier may include input data including purchase information and identifier authentication information.

The identifier may include a barcode, a wireless communication tag, a color code, a gray code, or the like. The barcode includes a one-dimensional code, a two-dimensional code, and a three-dimensional code. An example of the two-dimensional bar code is a QR (Quick Response) code.

The two-dimensional bar code can store various types of information such as texts, numbers, texts, graphics, photos, voices, fingerprints, and signatures, and the contents can be displayed on the screen simply by reading the bar code. In particular, the two-dimensional bar code can be encrypted and can be utilized in various authentication systems such as membership cards, and can also be transferred to the liquid crystal of the mobile phone and used instead of the ticket.

Examples of the wireless communication tag may include an RFID, a Near Field Communication (NFC) tag, and the like. Color code refers to a new concept of data representation technology that records and stores digital information using a specified color combination.

According to an embodiment of the present invention, the mobile terminal 100 recognizes the identifier through the short range communication module 114 or the barcode recognition unit 121. The short range communication may include Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, and Near Field Communication (NFC).

Bluetooth is a standard for wireless communication at low power in a short range between wireless communication devices. Near Field Communication (NFC) relates to a short-range wireless connection method using magnetic field induction between adjacent devices, and can communicate in any direction.

Meanwhile, the mobile terminal 100 may recognize the identifier existing on the online medium as well as the offline medium. For example, the user may look at a fashion magazine or the like through the mobile terminal 100 to recognize an identifier for a specific product, and the user may read an article printed on a package of a product, a price tag, etc. It may be. In addition, the user may recognize an identifier for a product sold in an internet shopping mall through the mobile terminal 100 online.

According to an embodiment of the present invention, the mobile terminal 100 may extract input data including purchase information by analyzing the recognized identifier. For example, the mobile terminal 100 may analyze the identifier to extract the purchase information 'necklace, type 2, retailer: OOO precious metal, price: 200,000 won'. In addition, the mobile terminal 100 may extract identifier authentication information included in the identifier.

According to an embodiment of the present invention, the mobile terminal 100 may display the extracted purchase information. In this case, the mobile terminal 100 may provide link information for moving to a detail page of product information. An example of link information may be a marketing URL (uniform / universal resource locator).

On the other hand, according to an embodiment of the present invention, the mobile terminal 100 may receive additional information about the quantity or color of the product from the user. This is because the identifier may not include selection information regarding the quantity or color of the product.

In addition, according to an embodiment of the present invention, the mobile terminal 100 may receive a payment method selection from a user through the electronic wallet module 191. The electronic wallet module 191 may be automatically driven when the user terminal 100 recognizes the identifier, or may be driven by a user input.

As shown in FIG. 5, according to an embodiment of the present invention, the user may select at least one of a wire transfer, a mobile phone payment, a credit card payment, and a mobile card payment as a payment means. In addition, when the user selects a mobile card payment, if a plurality of mobile cards issued to the mobile terminal 100, the user may select a specific mobile card for payment.

On the other hand, according to another embodiment of the present invention, the payment means may be preset. If the payment method is a card payment, the payment may be made to the predetermined primary use card. In this case, the user does not need to select a specific payment method at the time of payment.

According to an embodiment of the present invention, the mobile terminal 100 may make a payment request to the payment broker server 200 [S430]. In this case, the mobile terminal 100 transmits input data including purchase information, identifier authentication information, and payment request information including payment means information to the payment intermediation server 200.

The payment means information may include information such as a card number, an expiration date, a Card Verification Value (CVV) value, a payment card company, a payment bank, an installment status, and an installment month number.

On the other hand, according to the first embodiment of the present invention, the payment intermediation server 200 may perform authentication for the identifier based on the identifier authentication information [S440]. The payment broker server 200 generates identifier authentication information by using the received input data and pre-stored verification factors.

In addition, the payment broker server 200 determines whether the generated identifier authentication information and the identifier authentication information received from the mobile terminal 100 match. If it does not match, the payment intermediation server 200 may know that the input data received from the mobile terminal 100 is forged or modulated.

According to the second embodiment of the present invention, when the verification factor is a fixed (unique) value, the mobile terminal 100 may perform authentication on the identifier. That is, the mobile terminal 100 may previously store a verification factor that is a fixed (unique) value in the memory 160. When input data is extracted through the identifier analyzer 180, the mobile terminal 100 generates identifier authentication information using the extracted input data and a verification factor previously stored in the memory 160. Thereafter, the mobile terminal 100 determines whether the generated identifier authentication information and the identifier authentication information extracted by the identifier analyzer 180 perform authentication on the identifier. When the generated identifier authentication information and the extracted identifier authentication information match, the mobile terminal 100 may make a payment request while transmitting the extracted input data to the payment intermediation server 200.

Therefore, according to one embodiment of the present invention, by authenticating the identifier, it is possible to prevent the purchase information (input data) from being forged or tampered with.

If the authentication for the identifier is successful, the payment intermediation server 200 may make a payment approval request to the card company server 300 [S450]. In this case, the payment intermediation server 200 transmits the received purchase information and payment means information to the card company server 300.

The card company server 300 performs a payment approval process based on the received purchase information and payment means information. The card company server 300 may transmit a payment approval result to the payment intermediation server 200 or the mobile terminal 100.

Hereinafter, when there are a plurality of identifiers, a payment method using a plurality of identifiers will be described in detail with reference to FIG. 6.

6 is a view for explaining a payment method using a plurality of identifiers related to an embodiment of the present invention.

As shown in FIG. 6, according to an embodiment of the present invention, the mobile terminal 100 may recognize a plurality of identifiers. For example, the mobile terminal 100 may recognize the identifier 1 printed or attached to the packaging of the ramen, then recognize the identifier 2 printed or attached to the juice container, and recognize the identifier 3 printed or attached to the shampoo container. have.

In this case, the mobile terminal 100 may extract the purchase information for each identifier by analyzing the plurality of identifiers, respectively. For example, when the mobile terminal 100 analyzes the identifier 1, it is possible to extract the purchase information 'one ramen, one thousand won, A mart', and when analyzing the identifier 2, the orange juice, 3 Dog (bundle sale), 5000 won, you can extract the purchase information of 'A mart', and if the identifier 3 is analyzed, 'X shampoo, 1, 3000 won, A mart' to extract the purchase information do.

According to an embodiment of the present invention, the mobile terminal 100 may transmit the extracted purchase information for each identifier to the payment broker server 200. At this time, since the authentication procedure for each of the plurality of identifiers is the same as described above, it will be omitted.

Meanwhile, according to an embodiment of the present invention, the mobile terminal 100 may display the extracted purchase information for each identifier to the user. In this case, the mobile terminal 100 may receive a user selection signal for purchase information of a specific identifier among the extracted purchase information for each identifier.

That is, after recognizing various identifiers through the mobile terminal 100, the user can select a desired product and proceed with payment. For example, when the mobile terminal 100 recognizes an identifier 1 (ramen), an identifier 2 (juice), and an identifier 3 (shampoo), the user can select only ramen and juice without a shampoo so that a payment request can be made. do.

In general, when a user wants to purchase a product at a mart or a bookstore, the user must bring all the products to be purchased in order to perform the calculation. However, according to the exemplary embodiment of the present invention, since the user only needs to recognize the identifier of the product to be purchased through the mobile terminal 100 without having to carry the product, user convenience may be increased. In addition, even in the case of the affiliated store, since the payment proceeds through the mobile terminal 100, it is possible to reduce the labor cost, such as cashier (cashier).

On the other hand, according to an embodiment of the present invention, the user may request a delivery. That is, the user makes a delivery request to the payment broker server 200 through the mobile terminal 100. In this case, the payment intermediation server 200 transmits delivery request information including delivery information and purchase information of the user to a delivery management server. The delivery information may include information such as a delivery address, a recipient, a sender, a contact number of a recipient, and an affiliated store.

According to an embodiment of the present invention, the delivery information may be input through the user input unit 130 of the mobile terminal 100 when the user requests a payment. In addition, according to another embodiment of the present invention, the delivery information may be stored in the mobile terminal (100). On the other hand, the delivery information may be stored mapped to the user information in the payment broker server 200 or the card company server 300.

According to an embodiment of the present invention, the delivery management server receives the delivery request information from the payment intermediation server 200, and performs delivery to the corresponding destination.

Meanwhile, according to an embodiment of the present invention, when the user recognizes the identifier through the mobile terminal 100, available coupon information may be automatically considered. For example, if a 300-yen discount coupon exists in the A-mart, when the mobile terminal 100 recognizes an identifier present in the wrapping paper of the ramen, the 300-yen discount coupon information may be automatically displayed on the display unit 151. It is.

According to one embodiment of the present invention, since the user can make a purchase request immediately upon seeing an advertisement product exposed to an online / offline medium or the like, the sales of the affiliated stores can be expected to increase. In addition, since the sales structure can be simplified, the expenses (such as labor costs) of the merchants can be reduced.

On the other hand, even from the user's point of view through the mobile terminal 100 from payment to delivery can be solved at once, the convenience of payment can be increased.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

100: mobile terminal
200: payment broker server
210: identifier generation unit of the payment broker server
220: receiving unit of the payment broker server
230: Authentication unit of the payment broker server
240: transmission unit of the payment broker server
250: Database for payment mediation server
260: control unit of the payment mediation server
300: card company server

Claims (18)

Recognizing the identifier by the mobile terminal;
Extracting, by the mobile terminal, the recognized identifier and input data including purchase information and identifier authentication information;
Transmitting, by the mobile terminal, payment request information including the input data, the identifier authentication information, and payment means information to a payment broker server;
Performing, by the payment broker server, authentication of the identifier based on the identifier authentication information; And
If the authentication is successful, the payment intermediation server, the payment method comprising the step of requesting the payment approval to the card company server. The method of claim 1, wherein the identifier is
Payment method comprising at least one of a two-dimensional barcode, color code and wireless communication tag. The method of claim 1, wherein the payment method
Driving the electronic wallet module by the mobile terminal when the identifier is recognized;
Receiving, by the mobile terminal, an input signal regarding a payment method selection from a user through the electronic wallet module; And
And transmitting, by the mobile terminal, the payment means information selected by the user to the payment intermediation server. The method of claim 1, wherein the performing of the authentication on the identifier comprises:
Generating, by the payment broker server, identifier authentication information using input data received from the mobile terminal and pre-stored verification factors; And
And determining, by the payment broker server, whether the generated identifier authentication information matches the identifier authentication information received from the mobile terminal. The method of claim 1, wherein transmitting the payment request information
Recognizing, by the mobile terminal, a plurality of identifiers;
Extracting, by the mobile terminal, the purchase information for each identifier by analyzing the plurality of identifiers; And
The mobile terminal further comprises the step of transmitting the extracted purchase information for each identifier to the payment broker server. The method of claim 5, wherein transmitting the payment request information
Displaying, by the mobile terminal, the extracted purchase information for each identifier;
Receiving, by the mobile terminal, a user's selection signal for purchase information of a specific identifier among the extracted purchase information for each identifier; And
The mobile terminal further comprises the step of transmitting the purchase information of the selected specific identifier to the payment broker server. The method of claim 1, wherein the payment method
And transmitting, by the payment broker server, delivery request information including delivery information and purchase information of the user to a delivery management server. If the verification factor is a fixed value, storing the verification factor by the mobile terminal;
Recognizing an identifier by the mobile terminal;
Extracting, by the mobile terminal, the recognized identifier and input data including purchase information and identifier authentication information;
Generating, by the mobile terminal, identifier authentication information using the extracted input data and the verification factor;
Determining, by the mobile terminal, whether the generated identifier authentication information matches the identifier authentication information extracted from the identifier; And
And if it matches, transmitting the payment request information including the input data and payment means information to a payment broker server. The method of claim 8, wherein the identifier is
Payment method comprising at least one of a two-dimensional barcode, color code and wireless communication tag. Recognizing an identifier, analyzing the recognized identifier extracts input data and identifier authentication information including purchase information, and payment request information including the input data, the identifier authentication information, and payment means information to a payment intermediation server. A mobile terminal for transmitting the; And
And a payment intermediation server which performs authentication on the identifier based on the identifier authentication information and requests payment approval to a card company server when the authentication is successful. The method of claim 10, wherein the identifier is
Payment system comprising at least one of a two-dimensional barcode, color code and wireless communication tag. The method of claim 10, wherein the mobile terminal
If the identifier is recognized, the electronic wallet module is driven.
Receiving an input signal regarding the payment method selection from the user through the electronic wallet module,
The payment system characterized in that for transmitting the payment means information selected by the user to the payment broker server. The method of claim 10, wherein the payment broker server
Generating identifier authentication information using input data received from the mobile terminal and pre-stored verification factors,
And verifying whether the generated identifier authentication information matches the identifier authentication information received from the mobile terminal, and performing authentication on the identifier. The method of claim 10, wherein the mobile terminal
Recognize a plurality of identifiers, analyze the plurality of identifiers to extract purchase information for each identifier,
The payment system, characterized in that for transmitting the extracted purchase information for each identifier to the payment broker server. The method of claim 14, wherein the mobile terminal
Displays the purchase information for each extracted identifier,
Receiving a user's selection signal for purchase information of a specific identifier among the extracted purchase information for each identifier,
The payment system, characterized in that for transmitting the purchase information of the selected specific identifier to the payment broker server. The method of claim 10, wherein the payment broker server
The payment system, characterized in that for transmitting the delivery request information including the delivery information and purchase information of the user to the delivery management server. A memory for storing the verification factor when the verification factor is a fixed value;
An identifier recognizer for recognizing the identifier;
An identifier analyzing unit configured to extract the input data including the purchase information and the identifier authentication information by analyzing the recognized identifier;
A controller configured to generate identifier authentication information by using the extracted input data and the verification factor, and determine whether the generated identifier authentication information matches the identifier authentication information extracted from the identifier; And
And a wireless communication unit for transmitting the payment request information including the input data and the payment means information to a payment intermediation server, if it matches. 18. The apparatus of claim 17, wherein the identifier is
A mobile terminal comprising at least one of a two-dimensional barcode, a color code, and a wireless communication tag.

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