WO2013183821A1 - System and method for providing payment service - Google Patents

Description

Payment service provision system and method

The present invention relates to a payment service providing system and method, and more particularly, to a payment service providing system and method for processing a payment by running a payment application in a user terminal equipped with a card recognition unit for recognizing a card through short-range communication. will be.

Radio Frequency Identification (RFID) technology attaches an electronic tag to each object, wirelessly recognizes the unique ID of the object, and collects, stores, processes, and tracks the object's information to measure, remotely process, and manage the object. It is a technology that provides services. RFID technology consists of chips, tags, readers, middleware and application service platforms and is used in conjunction with wired and wireless communication networks.

RFID technology is emerging as a core technology that can expand the horizon of informatization from person to object and is expected to develop into a ubiquitous sensor network.

Conventionally, when providing a financial service using a mobile terminal, a smart card is embedded in the mobile terminal to provide a credit card service, an electronic money service, and a mobile banking service.

However, in this case, not only the plastic card (ID-1) type currently used can be accommodated, but there is a problem that a separate device is required for communication with a credit card reader (POS) and a CD / ATM.

In addition, when using an internal card such as a subscriber identification module (SIM) card, it is inconvenient to negotiate between financial companies, so that it is not possible to mount multiple financial companies' cards on a single card and to receive and use different internal cards for each financial company. there was.

In addition, financial companies are equipped with an infrared (IrDA) reader module on the CD / ATM to provide financial services such as deposit inquiry, cash withdrawal, and bank transfer to communicate with smart cards installed in mobile terminals. There was a problem of high customer dissatisfaction.

In the case of infrared and RF receiver devices that financial companies or telecommunication companies use for mobile payment service, only contactless communication is possible, and contact communication is impossible. Had to be issued.

However, such a card payment method may expose personal financial information of a card user to an affiliated store, generate a financial accident that illegally uses the card user's card information, or increase the risk of duplication of card information by a third party. have.

In addition, when using a mobile phone terminal as a mobile credit card payment machine, there was an inconvenience in that an additional device must be installed in the mobile phone terminal.

In addition, when using a method of directly transmitting the card payment information from the POS device and the mobile wireless payment terminal located in the store to the VAN company, there was a problem such as leaking card identification information and personal information leakage on the mobile phone terminal.

The present invention has been made to solve the above problems, an object of the present invention is to install a payment application only without the connection of an additional device in the user terminal having a NFC (Near Field Communication, Near Field Communication) function RF card payment It is to be used as a terminal.

Another object of the present invention, by processing the decryption of the payment security information in the server, it is possible to prevent the leakage of payment information that may occur when using the mobile phone terminal as a payment device, and of the payment application installed in the mobile phone terminal The present invention also provides a payment service providing system and method capable of maximizing usability in an on / offline payment situation.

Another object of the present invention, when payment is made in another application running on the NFC mobile communication terminal, by calling the RF card payment API in the application, eliminating the installation of additional payment application and cumbersome card information, NFC The present invention provides a payment service providing system and method capable of completing payment by receiving RF card information in a mobile communication terminal.

 According to an aspect of the present invention, in order to achieve the above objects, after the payment application is run, the card identification information is read from the card through short-range communication when a payment amount is input, and the payment includes the card identification information and the payment amount. A payment service providing system including a user terminal for transmitting a request signal to a payment device and a payment device for transmitting payment completion information to the user terminal by processing the payment according to the payment request signal is received.

When the user terminal receives a payment information request message from the payment device, the user terminal runs the payment application. When the payment amount is received from the payment device, the user terminal reads card identification information from a card through short-range communication, and then The payment request signal including the card identification information and the payment amount is transmitted to the payment device, and when the payment processing request signal including the user terminal identification information is received from the shopping service providing device, the payment information request message is sent. It can be transmitted to the user terminal.

According to another aspect of the present invention, a communication unit for communication with a payment device through a communication network, a storage unit in which a payment application is stored, a card recognition unit for recognizing card identification information from a card through short-range communication, and after driving of the payment application, When a payment amount is input, a user terminal including a payment request processing unit for transmitting a payment request signal including card identification information and payment amount recognized by the card recognition unit to the payment device through the communication unit is provided.

The payment request processing unit may provide an RF payment module in the form of an API (application programming interface) so that payment may be made by calling the RF payment API from another application.

The payment request processing unit receives terminal login information from a user to perform terminal authentication, and in case of an authenticated terminal, receives a payment amount, generates and encrypts payment information including the card identification information and the payment amount, and The payment request signal including the encrypted payment information may be transmitted to the payment device.

In addition, when the payment request processor receives a payment information request message from the payment device, the payment application is executed to receive a payment amount from the payment device, and the payment amount and card identification information recognized by the card recognition unit. The payment information may be generated and encrypted to be transmitted to the payment device.

The payment request processor may transmit a receipt issuance request signal including receipt recipient identification information to the payment device when a receipt is requested.

According to another aspect of the present invention, a communication unit for communicating with a user terminal or a shopping service providing apparatus through a communication network, affiliated store identification information, terminal identification information that can process card payment, product-related information sold in each affiliated store When an authentication request signal including login information is stored from a user terminal through a stored merchant information database and the communication unit, the merchant information database is searched to determine whether the login information is authenticated information, and if authentication is completed, an authentication completion signal. When a payment request signal including encrypted payment information is received from the user terminal through the communication unit and the communication unit, the encrypted payment information is decrypted, and then payment processing is performed by performing a payment processing. Includes a payment processing unit for transmitting to the user terminal The payment device is provided.

The payment device may further receive a registration unit for receiving registration information from each affiliated store, including merchant identification information, terminal information for card payment processing, goods and price information sold at each affiliated store, from each affiliated store and registering in the affiliated store information database. It may include.

When the payment processing unit receives a payment processing request signal including terminal identification information for payment from a shopping service providing device, the terminal transmits a payment information request message to the terminal identification information, and the terminal drives the payment application. You can transfer the amount.

The payment device may further include a receipt processing unit for generating a receipt for a corresponding payment amount and transmitting the receipt to the receipt recipient identification information when a receipt issuance request signal including the receipt recipient identification information is received from the user terminal.

According to another aspect of the invention, the step of reading the card identification information from the card through the short-range communication when the payment amount is input, after running the payment application in the user terminal, the user terminal the card identification information and payment Encrypting payment information including an amount and transmitting a payment request signal including the encrypted payment information to a payment device, wherein the payment device decrypts the encrypted payment information according to the payment request signal reception; The present invention provides a payment service providing method comprising the step of processing a payment amount and transmitting payment completion information to the user terminal.

In the payment service providing method, the user terminal transmits a receipt issuance request signal including receipt recipient identification information to the payment device, and the payment device receives a receipt for the payment amount according to the receipt issuance request signal received. The method may further include generating and transmitting the receipt recipient identification information.

According to another aspect of the present invention, in a method for providing a payment service by the user terminal, (a) receiving or inputting a payment amount by driving a payment application according to whether a payment information request message is received from a payment device; (b) recognizing a card and reading card identification information through short-range communication; (c) encrypting payment information including the payment amount and card identification information; and (d) including the encrypted payment information. There is provided a payment service providing method comprising transmitting a payment request signal to the payment device to receive a payment completion signal.

In the step (a), when the payment information request message is received, determining whether a payment application is stored in a storage unit; driving the payment application if the determination result is stored; And driving to download and receive the payment amount from the payment device.

In addition, in the step (a), if the payment information request message is not received and the payment application is driven, receiving login information from a user, and transmitting an authentication request signal including the login information to the payment device. And, if the authentication completion signal is received from the payment device, it may include the step of receiving a payment amount.

The step (b) may include receiving payment form setting information including at least one of lump sum / payment selection, point use, and general / corporate card, and recognizing the card and reading card identification information through short-range communication. The method may include receiving security identification information including at least one of a card password (PIN number), an electronic signature, and a digit after a social security number from a user.

Step (c) may encrypt payment information including at least one of the payment amount, payment type setting information, card identification information, security identification information, payment time, and merchant number.

After step (d), the method may further include transmitting a receipt issuance request signal including receipt recipient identification information to the payment device.

According to another aspect of the present invention, in the method for providing a payment service by a payment device, when a payment processing request signal including user terminal identification information is received from a shopping service providing device, a payment information request message is sent to a corresponding user terminal. And transmitting a payment completion signal to the user terminal by decoding the payment information, processing a corresponding payment amount, and receiving a payment request signal including payment information from the user terminal. A payment service providing method is provided.

The payment service providing method may further include generating a receipt for a corresponding payment amount and transmitting the receipt to the receipt recipient identification information when a receipt issuance request signal including the receipt recipient identification information is received from the user terminal. .

The payment service providing method may further include determining whether the login information is authenticated information when an authentication request signal including login information is received from the user terminal. Transmitting to the terminal, if a payment request signal including payment information is received from the user terminal, decoding the payment information, processing a corresponding payment amount, and transmitting a payment completion signal to the user terminal; It may include.

 According to the present invention, the NFC-enabled user terminal can be utilized as an RF card payment terminal by installing only a payment application without connection of an additional device.

In addition, the server can process the decryption of payment security information to solve the payment information leakage problem that may occur when using the mobile phone terminal as a payment, and through the lightening of the payment application program installed in the mobile phone terminal through on / offline payment Maximize usability in situations

In addition, when payment is made in another application program running on the NFC mobile communication terminal, the RF card payment API is called from the corresponding application to omit the installation of additional payment application programs and the input of complicated card information, and the RF card information in the NFC mobile communication terminal. Receive the payment can be completed.

1 is a view showing a payment service providing system according to the present invention.

Figure 2 is a block diagram schematically showing the configuration of a user terminal according to the present invention.

Figure 3 is a block diagram schematically showing the configuration of a payment device according to the present invention.

4 is a view showing a payment service providing method in a face-to-face situation according to the present invention.

5 is a view showing a payment service providing method in a non-face-to-face situation according to the present invention.

6 is a flowchart illustrating a method for providing a payment service by a user terminal according to the present invention.

7 is a flowchart illustrating a method for providing a payment service by a payment device according to the present invention.

Details of the above-described objects and technical configurations of the present invention and the effects thereof according to the present invention will be more clearly understood by the following detailed description based on the accompanying drawings.

1 is a view showing a payment service providing system according to the present invention.

Referring to FIG. 1, a payment service providing system includes a user terminal 100 recognizing card identification information through short-range communication, and a payment device 200 performing a payment according to a payment request of the user terminal 100.

After the payment application is input, the user terminal 100 reads out card identification information from a card through short-range communication when a payment amount is input, and transmits a payment request signal including the card identification information and the payment amount. To send.

In addition, when the payment information request message is received from the payment device 200, the user terminal 100 runs a payment application. When the payment amount is received from the payment device 200, the user terminal 100 recognizes the card through short-range communication to identify the card. The device reads the information and transmits a payment request signal including the card identification information and the payment amount to the payment device 200. At this time, since the user terminal 100 is a terminal capable of short-range communication, the card identification information of the RF card (contactless credit card, prepaid card, mobile card) is read out by simply installing a payment application, and the user terminal in online and offline payment situations. You can read the card to complete your payment.

The card has an execution RTD having an RTD format defined in the NFC forum, and card identification information is encoded in the execution RTD of the card. When the card is a smart card, card identification information is recorded in a field that can be recorded by the issuer of the card in the CSN of the smart card.

Such a card refers to a card that communicates with the user terminal 100 through short-range communication such as a contactless credit card, a contactless prepaid card, a mobile card, and the like.

As described above, the user terminal 100 equipped with a short-range communication module for recognizing card identification information may be a payment application, and the card identification information of a card (credit card, prepaid card, mobile card) equipped with an RF function without additional hardware. Payment information such as personal identification information (PIN), payment amount, and product information may be transmitted and received with the payment device 200 to process payment.

The user terminal 100 may be applied to any user device equipped with a communication function and a near field communication function. For example, laptops, mobile communication terminals, smart phones, portable media players (PMPs), personal digital assistants (PDAs), tablet PCs, set-top boxes, smart TVs, and the like. It can be a variety of devices.

A more detailed description of the user terminal 100 will be described with reference to FIG. 2.

The user terminal 100 and the payment device 200 are connected through a communication network, and the communication network includes a local area network, a wired communication network, a mobile communication network, and the like, for example, a wireless LAN (WLAN), a Wi-Fi (Wi-Fi), Wibro, Wimax, High Speed Downlink Packet Access (HSDPA), Ethernet, xDSL (ADSL, VDSL), Hybrid Fiber Coaxial Cable (HFC), Fiber to The Curb (FTTC), Fiber (FTTH) To The Home).

The payment device 200 transmits payment completion information to the user terminal 100 by processing a payment amount in response to a payment request signal received from the user terminal 100.

In addition, when a payment processing request signal including user terminal identification information is received from a shopping service providing apparatus (not shown), the payment apparatus 200 transmits the payment information request message to the user terminal 100. Here, the shopping service providing apparatus may refer to a server of a company selling a product.

A detailed description of the payment device 200 performing the above role will be given with reference to FIG. 3.

2 is a block diagram schematically showing the configuration of a user terminal according to the present invention.

Referring to FIG. 2, the user terminal 100 includes a communication unit 110 for communicating with a payment device, a user interface unit 120, a storage unit 130 storing a payment application, a card recognition unit 140, and a payment request. It includes a processor 150.

The communication unit 102 is a communication means for connecting the user terminal 100 and a payment device to each other through a communication network. For example, a wireless communication module such as CDMA, W-CDMA, a wired communication module such as the Internet, a short range such as Wi-Fi, etc. It may include a wireless communication module.

The user interface 120 may serve as an input unit for receiving a user command or an output unit for outputting a result according to the user command.

The user interface unit 120 is a means for receiving a user request for controlling the operation of the user terminal 100, and converts the user's request into an electric signal according to a user's manipulation.

The user interface 120 is a key input means for receiving letters, numbers, and text information from a user, a voice recognition means for receiving a voice or an audio signal of a user through a microphone, and the like to obtain an image by capturing a predetermined object. It may include an image acquisition means such as a camera, an RFID reader, a code reader. The key input means may be implemented as a keyboard, a keypad, a touch screen, or the like.

The user interface unit 120 may process the display through display means for displaying screen information according to driving of an application, for example, a liquid crystal display (LCD) or organic light emitting diodes (OLED).

The card recognition unit 140 reads card identification information by communicating with a card through short-range communication. That is, the card recognition unit 140 operates the card reader mode to perform communication through the command transmission and reception between the card and the user terminal 100. At this time, the card recognition unit 140 may read the encrypted card identification information (card number, CVC) from the card.

The payment request processing unit 150 after the payment application is driven, when the payment amount is input, the communication unit 110 receives a payment request signal including the card identification information recognized by the card recognition unit 140 and the input payment amount. ) To the payment device.

The payment request processing unit 150 may vary in operation according to a face-to-face payment situation in which a user performs payment using an affiliated store terminal and a non-face-to-face payment situation in which a user proceeds to make a payment using his own terminal.

The face-to-face payment situation is a situation in which the card payment of the buyer is performed at the terminal of the seller while the seller and the buyer face each other, and the offline payment situation such as store sales, delivery sales, and door-to-door sales is applicable.

The non-face-to-face payment situation is a situation in which the seller and the buyer face-to-face, and the buyer's card payment is carried out by the buyer's terminal. Online non-face-to-face payment situations such as online shopping, mobile shopping, and mobile payment, TV home shopping, catalog shopping, The same offline non-face-to-face payment situation is applicable.

First, the operation of the payment request processing unit 150 in the face-to-face payment situation will be described.

The payment request processing unit 150 receives terminal login information from a user after driving a payment application to perform terminal authentication. In the case of an authenticated terminal, the payment request processor 150 receives the payment amount, and includes the card identification information and the payment amount. The payment information is generated and encrypted, and a payment request signal including the encrypted payment information is transmitted to the payment device.

That is, when the payment application is driven, the payment request processing unit 150 displays a login information input screen. The user inputs a password or the like on the login information input screen. Then, the payment request processing unit 150 transmits an authentication request signal including the input password and the UDID of the user terminal to the payment device. When the authentication completion signal is received from the payment device, the payment request processing unit 150 displays a payment amount input screen. Through the payment amount input screen, the user may select from a commodity-price list linked with a merchant information database of a payment device and input a payment amount or directly input a payment amount.

When the payment amount is input as described above, the payment request processing unit 150 displays a payment type setting screen for setting the payment type, and the user inputs the payment type setting information through the payment type setting screen. Here, the payment form setting information refers to setting a card payment form, such as a lump sum / installment selection, point use, general / corporate card.

When the payment type setting information is input, the payment request processing unit 150 displays a card number input screen. The card number input screen is displayed with the phrase "Please apply the card of the customer" and the user brings the card that he holds close to the user terminal. Then, the card recognition unit 140 reads out the card identification information from the card and transmits it to the payment request processing unit 150. If the card does not support RF, the user may directly enter the card number on the card number input screen.

When the card number is input as described above, the payment request processing unit 150 displays the security identification information input screen, and the user inputs the security identification information through the security identification information input screen. Here, the security identification information refers to security identification information for processing a payment such as a card password (PIN number), an electronic signature, a digit after the social security number.

When the security identification information is input as described above, the payment request processing unit 150 receives payment information including card identification information, personal identification information, payment amount, lump sum / installation information, payment time, merchant number, payment terminal UDID, and the like. Create Then, the payment request processing unit 150 encrypts the generated payment information and transmits a payment request signal including the encrypted payment information to the payment device.

The payment request processing unit 150 displays a payment completion screen when a payment completion signal is received from the payment device. The payment completion display area and the receipt issuance area may be displayed on the payment completion screen. When the receipt issuance request is made in the receipt issuance area, the payment request processing unit 150 requests the payment device to transmit a receipt format in an e-mail or SMS format.

In addition, the payment request processing unit 150 may receive and view a past payment record list from the payment device, and may cancel a payment through the past payment record list.

Next, the operation of the payment request processing unit 150 in a non-face-to-face payment situation will be described.

When the payment request processor 150 receives a payment information request message from the payment device, the payment request processor 150 receives the payment amount from the payment device by running the payment application, and identifies the payment amount and the card recognized by the card recognition unit. The payment information including the information is generated, encrypted, and transmitted to the payment device.

That is, the payment request processing unit 150 automatically calls and drives the payment application when a payment information request message is received. When the payment application is driven, the payment request processing unit receives the merchant identification information and the payment amount from the payment device. Since the operation after receiving the payment amount is the same as the operation in the face-to-face payment situation, description thereof will be omitted.

The payment request processing unit 150 may provide an RF payment module in the form of an API (application programming interface) to make a payment processing by calling an RF payment API from another application.

For example, when payment is made in another application such as shopping, content selling, or game, the payment request processing unit 150 may call the RF payment API to perform a corresponding payment processing. In this case, by calling the RF payment API in the currently running application, it is possible to skip the installation of additional payment application program and input complicated card information and receive RF card information at the user terminal to complete the payment.

3 is a block diagram schematically showing the configuration of a payment apparatus according to the present invention.

Referring to FIG. 3, the payment device 200 communicates with a user terminal or a shopping service providing device through a communication network 210, a merchant information database 220, a user information database 230, and a registration unit 240. , An authentication unit 250, a payment processing unit 260, and a receipt processing unit 270.

The merchant information database 220 stores merchant identification information, terminal information capable of processing card payment, and product related information sold at each affiliate store. The product related information is linked with a sales management system of a merchant server. It includes a product handled by the affiliated store and the price of the product, and the terminal information includes hardware identification number information (UDID), account information, and the like of the terminal.

The user information database 230 stores information of users registered as members in order to use a payment service using their own terminals. The user information includes user terminal identification information, payment details, and the like.

The registration unit 240 receives the affiliated store identification information and the terminal information for the card payment processing from each affiliated store and stores them in the affiliated store information database 220.

In addition, the register 240 receives sales management information including product and price information sold by each affiliate store and stores it in the affiliate store information database 220. That is, the register 240 performs a role of comprehensively registering and managing information in the affiliate store information database 220.

When the authentication unit 250 receives an authentication request signal including login information from the user terminal through the communication unit 210, the authentication unit 250 searches the affiliate store information database 220 to determine whether the login information is authenticated information. In case of authentication, the authentication completion signal is transmitted to the user terminal.

When the payment request signal including payment information is received from the user terminal through the communication unit 210, the payment processing unit 260 performs a payment process and transmits a payment completion signal to the user terminal. In this case, the payment processing unit 260 decrypts the encrypted payment information included in the payment request signal and then performs payment processing.

When the payment processing request signal including the terminal identification information for payment is received from the shopping service providing apparatus, the payment processing unit 260 transmits a payment information request message to the terminal identification information, and the terminal receives payment. If you run the application, the payment amount is sent.

When a receipt issuance request signal including receipt recipient identification information is received from the user terminal, the receipt processing unit 270 generates a receipt for the corresponding payment amount and transmits the receipt to the receipt recipient identification information. The receipt recipient identification information may include a terminal number, an email address, and the like.

The payment device 200 configured as described above may further include a download unit (not shown) for downloading a payment application to the user terminal when a payment application download request signal is received from the user terminal.

4 is a diagram illustrating a payment service providing method in a facing situation according to the present invention.

Referring to FIG. 4, when a user runs a payment application (S402), the user terminal receives login information through a login information input screen (S404). That is, when the payment application is driven, the user terminal displays a login information input screen for terminal authentication. The user inputs login information such as ID / password and UDID through the login information input screen.

When the S404 is performed, the user terminal transmits an authentication request signal including the login information to a payment device (S406), and the payment device performs authentication of the user terminal (S408).

If the user terminal is an authenticated terminal as a result of the authentication, the payment device transmits an authentication completion signal to the user terminal (S410).

Then, the user terminal displays the payment amount input screen, the user inputs the payment amount through the payment amount input screen (S412).

When S412 is performed, the user terminal displays a payment type setting screen for setting a payment type, and a user inputs payment type setting information through a payment type setting screen (S413). Here, the payment form setting information refers to setting a card payment form, such as a lump sum / installment selection, point use, general / corporate card.

When the S413 is performed, the user terminal displays the card identification information input screen, and the user reads the card identification information from the card through local area communication (S414). Then, the user terminal displays the security identification information input screen, the user inputs the security identification information through the security identification information input screen (S416). Here, the security identification information refers to security identification information for processing a payment such as a card password (PIN number), an electronic signature, a digit after the social security number.

When the S416 is performed, the user terminal encrypts payment information including card identification information, personal identification information, payment amount, lump sum / installation information, payment time, merchant number, payment terminal UDID, etc. (S418).

The user terminal transmits a payment request signal including the encrypted payment information to the payment device (S420).

In response to receiving the payment request signal, the payment device performs a payment process (S422), and transmits a payment completion signal to the user terminal (S424). In this case, the payment device decrypts the encrypted payment information to perform a payment process.

The user terminal transmits a receipt issuance request signal including receipt recipient identification information to the payment device (S426), and the payment device generates a receipt for the payment amount and transmits it to the receipt recipient identification information (S428). .

5 is a view showing a payment service providing method in a non-face-to-face situation according to the present invention.

Referring to FIG. 5, when the user wants to purchase a product, the shopping service providing apparatus receives terminal identification information for payment from the user (S502).

Then, the shopping service providing apparatus transmits a payment processing request signal including the user terminal identification information to a payment device (S504), and the payment device transmits a payment information request message to a user terminal corresponding to the terminal identification information. (S506)

When the payment information request message is received, the user terminal automatically runs a payment application (S508), and receives a payment amount from the payment device (S510). In this case, the user terminal determines whether the payment application is stored in the storage unit, and if the storage terminal is stored, and if not stored, the user terminal downloads and drives the payment application from the payment device.

Since the process after S510 is the same as the process after S414 shown in FIG. 4, a description thereof will be omitted.

6 is a flowchart illustrating a method for providing a payment service by a user terminal according to the present invention.

Referring to FIG. 6, the user terminal determines whether a payment information request message is received (S602). When the payment information request message is received, the user terminal is used as a payment terminal in a non-face-to-face situation. When the payment information request message is not received, the user terminal is used as a payment terminal in a face-to-face situation. If it is.

When the payment information request message is received as a result of the determination of S602, the user terminal automatically drives the payment application stored in the storage unit (S604). In this case, the user terminal determines whether the payment application is stored in the storage unit, and if it is stored, the payment application is driven, and if not stored, the user terminal downloads and drives the payment application.

After the execution of the step S604, the user terminal receives a payment amount from the payment device (S606), and displays a payment form setting screen for setting the payment form, the user inputs the payment form setting information through the payment form setting screen (S608). Here, the payment form setting information refers to setting a card payment form, such as a lump sum / installation selection, point use, or a general / corporate card.

When S608 is performed, the user terminal displays a card identification information input screen, and the user reads card identification information from a card through short range communication (S610). Then, the user terminal displays the security identification information input screen, and the user inputs the security identification information through the security identification information input screen (S612). Here, the security identification information refers to security identification information for processing a payment such as a card password (PIN number), an electronic signature, a digit after the social security number.

When the S612 is performed, the user terminal encrypts payment information including card identification information, personal identification information, payment amount, lump sum / payment information, payment time, merchant number, payment terminal UDID, etc. (S614).

The user terminal transmits a payment request signal including the encrypted payment information to the payment device (S616), and a payment completion signal is received from the payment device (S618).

If the user wants to issue a receipt after the operation of S618 (S620), the user terminal transmits a receipt issuance request signal including receipt recipient identification information to the payment device (S622). The receipt recipient identification information may be a terminal number, an e-mail, or the like.

If, as a result of the determination in S602, the payment information request message is not received, the user terminal is used as a payment terminal in a face-to-face situation, and the user drives the payment application (S624).

Then, the user terminal receives the login information through the login information input screen (S626), and transmits an authentication request signal including the login information to the payment device, and determines whether the terminal is authenticated (S628).

In the case where the terminal is authenticated as a result of the determination, the user terminal displays a payment amount input screen, and the user inputs a payment amount through the payment amount input screen (S630).

After the operation of S630, the user terminal performs S610.

The user terminal performing the above operation provides an RF payment module in the form of an API (application programming interface) so that it can be easily inserted when developing another application program.

Therefore, when payment of another application such as shopping or content sale is made in the user terminal with the RF payment API installed, the application calls the RF payment API to omit additional payment application program installation and complicated card information input procedure. In the RF card information can be received to complete the payment.

7 is a flowchart illustrating a method for providing a payment service by a payment device according to the present invention.

Referring to FIG. 7, when a payment processing request signal including user terminal identification information is received from the shopping service providing apparatus (S702), the payment apparatus transmits a payment information request message to the corresponding user terminal (S704).

After the execution of the S704, the payment device receives a payment request signal including payment information from the user terminal (S706), decrypts the payment information (S708), and processes the payment amount to pay the payment completion signal Transmission to the user terminal (S710).

After the execution of the S710, if a receipt issuance request signal including the receipt recipient identification information is received from the user terminal (S712), the payment device generates a receipt for the payment amount and transmits the receipt recipient identification information ( S714).

If, as a result of the determination in S702, an authentication request signal including login information is received from the user terminal (S716), the payment device searches a merchant information database to determine whether the login information is authenticated information (S718), In case of authentication, the authentication completion signal is transmitted to the user terminal (S720). Then, the payment device performs the step S706.

As such, those skilled in the art will appreciate that the present invention can be implemented in other specific forms without changing the technical spirit or essential features thereof. Therefore, the above-described embodiments are to be understood as illustrative in all respects and not as restrictive. The scope of the present invention is shown by the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

The present invention can be used to install the payment application only without additional devices connected to the NFC-based user terminal as an RF card payment terminal, and solve the problem of leakage of payment information that may occur when using the user terminal as a payment device, The present invention can be applied to a payment service providing system and method capable of maximizing usability in an on / offline payment situation by reducing the weight of a payment application installed in a user terminal.

In addition, when payment is made in another application running on a user terminal equipped with a short-range communication module, the RF card payment API is called from the corresponding application to omit the procedure of installing an additional payment application and inputting complicated card information, and the RF card information in the user terminal. It can be applied to a payment service providing system and method for receiving the payment to complete the payment.

[Description of the code]

100: user terminal 110, 210: communication unit

120: user interface unit 130: storage unit

140: card recognition unit 150: payment request processing unit

200: payment device 220: merchant information DB

230: user information DB 240: register

250: authentication unit 260: payment processing unit

Claims (14)

A user terminal configured to read card identification information from a card through short-range communication after the payment application is input, and transmit a payment request signal including the card identification information and the payment amount to a payment device; And A payment device for processing the payment and transmitting payment completion information to the user terminal; Payment service providing system comprising a. The method of claim 1, The payment device transmits a payment information request message to the user terminal when a payment processing request signal including user terminal identification information is received from a shopping service providing device. When the user terminal receives a payment information request message from the payment device, the user terminal runs the payment application. When the payment amount is received from the payment device, the user terminal reads card identification information from a card through short-range communication, and then the card identification information and The payment service providing system, characterized in that for transmitting a payment request signal including the payment amount to the payment device. A communication unit for communicating with a payment device through a communication network; A storage unit in which a payment application is stored; A card recognition unit for recognizing card identification information from a card through local area communication; A payment request processing unit which transmits a payment request signal including card identification information and payment amount recognized by the card recognition unit to the payment device through the communication unit when the payment amount is input after the payment application is driven; User terminal comprising a. The method of claim 3, The payment request processing unit, when the payment is made in another application, the user terminal, characterized in that the payment processing is performed by providing an RF payment module in the form of an API (application programming interface) to the other application. The method of claim 3, When the payment request processor receives a payment information request message from the payment device, the payment application is driven to receive a payment amount from the payment device, and includes the payment amount and card identification information recognized by the card recognition unit. And generating and encrypting the information and transmitting the encrypted information to the payment device. A communication unit for communicating with a user terminal or a shopping service providing apparatus through a communication network; An affiliated store information database storing affiliated store identification information, terminal identification information capable of processing card payment, and product related information sold at each affiliated store; An authentication unit for determining whether the login information is authenticated information by searching the affiliate store information database when an authentication request signal including login information is received from the user terminal through the communication unit, and transmitting an authentication completion signal to the user terminal; And A payment processing unit which receives a payment request signal including encrypted payment information from the user terminal through the communication unit, decrypts the encrypted payment information, performs payment processing, and transmits a payment completion signal to the user terminal; Payment device comprising a. The method of claim 6, And a registration unit for receiving sales management information including merchant identification information, terminal information for card payment processing, merchandise sold by each merchant, and price information from each merchant from each merchant and registering in the merchant information database. As a payment device. The method of claim 6, When the payment processing unit receives a payment processing request signal including terminal identification information for payment from a shopping service providing apparatus, the payment processing unit transmits a payment information request message to a terminal corresponding to the terminal identification information, and the terminal transmits a payment application. The payment device, characterized in that for transmitting the payment amount after driving In the user terminal, after the payment application is executed, reading card identification information from the card through short-range communication when a payment amount is input; Encrypting, by the user terminal, payment information including the card identification information and the payment amount, and transmitting a payment request signal including the encrypted payment information to a payment device; And After the payment device decrypts the encrypted payment information, processing the payment amount to transmit payment completion information to the user terminal; Payment service providing method comprising a. In the method for the user terminal to provide a payment service, (a) receiving a payment information by receiving a payment amount by driving a payment application when a payment information request message is received from a payment device; (b) reading card identification information by recognizing the card through short-range communication; (c) encrypting payment information including the payment amount and the card identification information; And (d) transmitting a payment request signal including the encrypted payment information to the payment device; Payment service providing method comprising a. The method of claim 10, In step (a), Determining whether a payment application is stored in a storage unit when a payment information request message is received from the payment device; Driving the stored payment application or downloading and driving the payment application according to the determination result; And The payment service providing method comprising the step of receiving a payment amount from the payment device. The method of claim 10, In step (a), Receiving login information from a user when a payment application is driven while a payment information request message is not received from the payment device; And And transmitting an authentication request signal including the login information to the payment device, and receiving a payment amount when an authentication completion signal is received from the payment device. The method of claim 10, Step (b), Receiving payment form setting information including at least one of lump sum / payment selection, point use, and general / corporate card; Recognizing a card through short-range communication and reading card identification information; And And receiving security identification information including at least one of a card password (PIN number), an electronic signature, and a digit after a social security number from a user. In the method for the payment device to provide a payment service, Transmitting a payment information request message to a user terminal corresponding to the terminal identification information when a payment processing request signal including the user terminal identification information is received from the shopping service providing apparatus; And When the payment request signal including the payment information is received from the user terminal, decoding the payment information and processing the payment amount to transmit a payment completion signal to the user terminal; Payment service providing method comprising a.

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