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WO2014092286A1 - Procédé pour prendre en charge un paiement pour un commerce hors ligne, et système et dispositif associés - Google Patents

Procédé pour prendre en charge un paiement pour un commerce hors ligne, et système et dispositif associés Download PDF

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Publication number
WO2014092286A1
WO2014092286A1 PCT/KR2013/007153 KR2013007153W WO2014092286A1 WO 2014092286 A1 WO2014092286 A1 WO 2014092286A1 KR 2013007153 W KR2013007153 W KR 2013007153W WO 2014092286 A1 WO2014092286 A1 WO 2014092286A1
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WO
WIPO (PCT)
Prior art keywords
payment
information
card number
virtual card
terminal device
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/KR2013/007153
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English (en)
Korean (ko)
Inventor
김필성
정은수
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
SK Planet Co Ltd
Original Assignee
SK Planet Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by SK Planet Co Ltd filed Critical SK Planet Co Ltd
Publication of WO2014092286A1 publication Critical patent/WO2014092286A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Definitions

  • the present invention relates to a method for supporting payment for offline commerce, a system and a device therefor.
  • the present invention relates to a payment amount by applying an account transfer and a small payment method that was used only online using a disposable virtual card number in offline commerce.
  • the present invention relates to a payment support method for offline commerce processing a payment, and a system and apparatus therefor.
  • the existing mobile credit card requires the customer to report the loss of the mobile card to each card company when the mobile phone is lost, and it is cumbersome to carry out the same process as the card re-issuance, etc. Since the payment can be made in the dongle without a separate authentication process, the customer may suffer from anxiety due to the loss of the card and illegal use if the card is lost.
  • the present invention provides a method for supporting payment for offline commerce, a system and apparatus for offline commerce in which offline payments can be made using real-time account transfer and micropayment using only one-time virtual card numbers. It aims to provide.
  • Payment support system for offline commerce includes a payment support application for electronic payment support for offline commerce, electronic through the execution of the payment support application
  • a terminal device for requesting a payment service subscription, receiving a one-time use virtual card number valid for a predetermined time from an electronic payment support device at the time of payment, and providing the issued one-time use virtual card number to the merchant device;
  • a merchant device that receives a single use virtual card number from a terminal device, receives transaction information for a specific offline commerce, and requests payment of the transaction information to the electronic payment support device using the single use virtual card number; Collecting and registering payment information required for processing a payment according to a payment method information and a payment method designating at least one of a wire transfer method and a micro payment method from a terminal device requesting to subscribe to an electronic payment service.
  • the request for issuing a one-time virtual card number after issuing and transmitting a one-time use virtual card number valid for a certain time, if a payment request using the one-time virtual card number is received, the one-time virtual card number included in the payment request is valid.
  • It includes an electronic payment support device for supporting a small payment or account transfer for the transaction information according to the user's payment method and payment information.
  • the one-time virtual card number is valid, extract the registered payment method and payment information corresponding to the user identification information or application identification information, and based on this payment by wire transfer or micro payment method A controller for processing; And a storage unit for storing the payment method, payment information and the issued one-time virtual card number.
  • the control unit receives one or more of user identification information, application identification information, payment method and payment information from the terminal device according to the electronic payment service subscription request for offline commerce from the terminal device.
  • a service subscription processing module for registering by; And issuing a one-time virtual card number to the terminal device according to a request of an installed payment support application of the terminal device, mapping the one-time virtual card number to one of user identification information or application identification information, and storing the one-time virtual card number from the merchant device. If the one-time virtual card number is valid when the payment request is made using the number, the registered payment method and payment information are extracted in response to the user identification information or the application identification information, and the transfer or micropayment is made to the corresponding payment device based on this. It may include a request payment processing module.
  • the service subscription processing module requests authentication of the corresponding payment information from the payment device before registration and performs registration if the payment is authenticated.
  • the payment processing module receives the payment processing result from the payment device, and receives the terminal device and It can transmit to one or more of the merchant devices.
  • the terminal device for offline commerce the communication unit for transmitting and receiving data with the merchant device and the electronic payment support device; An input unit to receive a user request for subscription and payment processing of an electronic payment service;
  • the electronic payment support device requests a subscription to the electronic payment service for offline commerce to provide payment information for wire transfer or micropayment, and to the user request.
  • the electronic payment device may include a control unit for receiving a valid virtual card number issued for a predetermined time and providing the merchant device.
  • the terminal device further includes an output unit for outputting predetermined information according to the control of the control unit, the control unit issuing so that the merchant device can recognize the disposable virtual card number through a barcode reader. It converts the received disposable virtual card number into a barcode form and outputs it through the output unit.
  • the terminal device further includes a connection interface for transmitting and receiving data connected to a secure storage medium having a short range wireless communication function and a payment applet interworking with the affiliated device, and the control unit is an affiliated store. And store the disposable virtual card number in a payment applet via the connection interface so that the device can receive the disposable virtual card number from the secure storage medium via short-range wireless communication.
  • the present invention is another means for solving the above-described problem, the electronic payment support device, based on the user identification information or the application identification information for the payment support application installed in the terminal device based on one of the wire transfer and micropayment Registering payment information required to perform payment according to a specified payment method and a specified payment method; In response to a request of a payment support application installed in a terminal device, issuing a one-time use virtual card number valid for a predetermined time corresponding to the corresponding user identification information or application identification information and providing the same to the terminal device; Receiving a payment request using a disposable virtual card number from an affiliated store device; And checking whether the one-time virtual card number is valid, and if it is valid, extracting the registered payment method and payment information corresponding to the user identification information or the application identification information, and processing payment by wire transfer or micro payment method based on this. It provides an electronic payment support method for offline commerce, characterized in that it comprises a step.
  • the step of processing the payment in the case of a micro payment method, the electronic payment support device, the phone number of the user from one or more of the registered payment information or the payment request, payment Extracting at least one of the cost information and the authentication information, and transmitting the extracted information to a payment device of a telecommunication service provider to which the user subscribes to request a small payment, or in the case of an account transfer method, the electronic payment support device is registered. Extract one or more of user information, payment information, account information, account password, merchant account information from one or more of the payment information or the payment request, and transfer the extracted information to the payment device of the corresponding financial institution for the account. And requesting a transfer.
  • the electronic payment support method for offline commerce may further include transmitting a payment processing result to at least one of a merchant device and a terminal device when the payment processing is completed.
  • the terminal device the step of installing a payment support application for electronic payment support for offline commerce; Requesting, through a payment support application, an electronic payment service subscription to an electronic payment support device for offline commerce, and providing payment information necessary to perform one or more of small payment or bank transfer; Requesting an electronic payment support device through a payment support application to obtain a valid one-time virtual card number for a predetermined time; And providing the disposable virtual card number to the affiliated store device.
  • the electronic payment support method for offline commerce may be implemented as a program and recorded in a computer-readable recording medium.
  • the present invention by using a one-time virtual card number during off-line commerce, the purchase cost for the goods purchased at the merchant in real time from the buyer's actual bank account to the merchant's account or by making a small payment method, There is an effect that can safely perform transactions of offline transactions without a credit card.
  • the present invention requests an electronic payment using a one-time use virtual card number valid only for a certain time in the terminal device, and if the one-time use virtual card number is valid, using the information of the registered user, so that account transfer or micropayment is performed By doing so, it is possible to minimize the possibility that important personal information such as bank transfer information or phone number is exposed through the terminal device or the communication network. As a result, it is possible to prevent illegal payments and provide an electronic payment service for safe offline commerce.
  • FIG. 1 is a diagram showing the configuration of a payment support system for offline commerce according to an embodiment of the present invention.
  • FIG. 2 is a diagram illustrating a configuration of a terminal device in a payment support system for offline commerce according to an exemplary embodiment of the present invention.
  • FIG. 1 is a diagram illustrating a configuration of a payment support system for offline commerce according to an embodiment of the present invention.
  • a payment support system for offline commerce includes a terminal device 100, a secure storage device 200, a merchant device 300, an electronic payment support device 500, and a payment device connected through a communication network 10. It can be configured to include (600).
  • the terminal device 100 may install a payment support application 100a for supporting electronic payment in offline commerce according to the present invention.
  • the payment support application 100a may be downloaded from an app store or an application providing server (not shown).
  • the terminal device 100 may download and install the payment support application through the application store.
  • the terminal device 100 executes the payment support application 100a according to a user's request, accesses the electronic payment support device 500 through the payment support application 100a, and is offline. Request to subscribe to electronic payment service for commerce.
  • the payment support application 100a of the terminal device 100 is necessary information for the electronic payment processing, for example, the user information and the account information (account number, account password) of the electronic payment support device 500. Etc.) or micropayment information (telephone number and user authentication information, etc.).
  • the terminal device 100 executes a payment support application to receive user authentication information (for example, an authentication PIN (Personal Identification Number) or a password, etc.) from a user during payment of offline commerce, and stores the user authentication information previously stored.
  • user authentication information for example, an authentication PIN (Personal Identification Number) or a password, etc.
  • the user authentication is performed, and upon request of the authenticated user, a one-time virtual card number is requested to the electronic payment support apparatus 500, and the virtual card number valid for only a predetermined time from the electronic payment support apparatus 500. Get and save it.
  • the terminal device 100 may provide a disposable virtual card number to the affiliated store device 300.
  • the disposable virtual card number may be provided to the affiliated store device 300 in various ways.
  • the terminal device 100 converts the disposable virtual card number into a bar code and outputs it to the screen, so that the merchant device 300 displays the screen of the terminal device 100 through the barcode reader.
  • the barcode printed on the screen can be recognized.
  • when the terminal device 100 is connected to the secure storage device 200 when the terminal device 100 stores the disposable virtual card number in the secure storage device 200, The stored disposable virtual card number is transmitted to the affiliated store device 300 through short-range communication (NFC, Bluetooth communication, etc.) by the payment applet of the secure storage device 200.
  • short-range communication NFC, Bluetooth communication, etc.
  • the secure storage device 200 may be provided with one or more applets for specific purposes such as security, payment, user authentication, and the like, which typically operate on a built-in operating system.
  • the secure storage device 200 applied to the present invention may include, in particular, a payment applet capable of transmitting and receiving data for payment using short-range communication with the merchant device 300.
  • the payment applet securely stores the disposable virtual card number issued by the payment support application 100a and is in a state capable of communicating with the affiliated device device 300, upon request from the affiliated device device 300. The card number may be transmitted to the affiliated store device 300.
  • the payment applet provided in the secure storage device 200 may transmit the stored disposable virtual card number to the affiliated device device 300 according to a request of the affiliated device device 300.
  • the merchant device 300 receives the disposable virtual card number for electronic payment by communicating with the terminal device 200 or the secure storage device 200, and receives transaction information from the merchant user, and the disposable virtual card number and The transaction information is transmitted to the electronic payment support apparatus 500 to request a payment.
  • the affiliated store device 300 may receive data from the terminal device 200 or the secure storage device 200 in various ways.
  • the merchant device 300 includes a barcode reader, and reads the disposable virtual card number displayed on the terminal device 200 in the form of a barcode through the barcode reader, or performs short-range wireless communication (for example, NFC). Through the one-time virtual card number stored in the secure storage device 200 can be confirmed.
  • the merchant device 500 may select a merchant information on the electronic payment service screen, and select a payment method (small payment or bank transfer), and the transaction information (merchant information, product information, product) for the selected product information. Amount, installment information, etc.) may be transmitted to the electronic payment support apparatus 200 through the communication network 10 to request payment processing.
  • the affiliated store device 500 may further receive account information of the affiliated store user and a password for a registered account of the user of the terminal device 100 and transmit the received account information together with the payment request.
  • the information transmitted with the payment request is preferably encrypted for security.
  • the merchant device 500 may receive and output a payment processing result from the electronic payment support device 200.
  • the electronic payment support apparatus 500 interoperates with the affiliated device device 300 installed in the offline store and the terminal device 100 of the user who purchases the goods or services in the offline store and pays the cost thereof.
  • the electronic payment support apparatus 300 is a payment method (small payment or bank transfer), user identification information, authentication information, payment information (phone number) from the terminal device 100 of the user who wants to use electronic payment for offline commerce in advance. Or account information), etc.) to register and register and receive a one-time virtual card number request from the terminal device 100 of a user who has subscribed to the service. Issuing a card number to transmit the issued one-time virtual card number to the terminal device (100).
  • the electronic payment support apparatus 500 when the electronic payment support apparatus 500 receives the payment request including the one-time virtual card number from the affiliated device device 300 according to the payment request of the terminal device 100, the electronic payment support apparatus 500 checks the valid time of the received one-time virtual card number. Then, if the validity is extracted with the user's payment information, combined with the transaction information included in the payment request to request the payment processing to the payment device 600, and receives the processing result to the merchant device 300 and / Or transmit to the terminal device 100. In more detail, the electronic payment support apparatus 500 stores and stores the disposable virtual card number by matching the user's information when issuing the disposable virtual card number, and when a valid disposable virtual card number is received, the disposable virtual card number is stored.
  • the phone number of the user is extracted as payment information, and the micropayment process is performed by combining the extracted payment means information, transaction information included in the payment request of the affiliated device device 300 and authentication information of the user.
  • the payment request to the payment device 600 may be a billing device of a telecommunications operator to which the user subscribes, and the billing device of the telecommunications carrier bills by adding the transaction amount included in the transaction information to the user's bill. Processing will be performed.
  • the electronic payment support apparatus 500 extracts the user's payment information (account information, account password, etc.) and the merchant user's account information, and the user's payment means information. Designates a withdrawal destination, and assigns payment means information of the affiliated user as a payment destination to request the account transfer for the transaction information extracted from the payment request of the affiliated store device 300 to the corresponding payment device 600.
  • the payment device 600 may be a server device of the financial institution that issued the user's account number, the server device of the financial institution, withdraw the transaction amount from the user's account and transfers it to the account of the merchant user Done.
  • the electronic payment support apparatus 500 may receive the account information of the affiliated store user from the affiliated store user in advance and register it in advance or may include the received payment information in the payment request.
  • the payment device 600 may be a device for performing payment according to any one of a small payment method and a bank transfer method.
  • the payment device 600 may be a billing device of a telecommunication service provider and a financial server device for performing account transfer of a financial institution. have.
  • the payment device 600 performs payment for transaction information using payment means information according to a payment request including payment information and transaction information from the electronic payment support device 500.
  • the communication network 10 refers to a network capable of transmitting and receiving data using an internet protocol using various wired and wireless communication technologies such as an internet network, an intranet network, a mobile communication network, and a satellite communication network.
  • the communication network 10 is combined with the electronic payment support apparatus 500 to store computing resources such as hardware and software.
  • Such a communication network 10 is not only an open network such as a local area network (LAN), a wide area network (WAN), an open network such as the Internet, but also code division multiple access (CDMA) and wideband code division (WCDMA).
  • LAN local area network
  • WAN wide area network
  • CDMA code division multiple access
  • WCDMA wideband code division
  • the communication network 10 may include a value added network (VAN).
  • VAN value added network
  • the configuration of the terminal device 100 according to an embodiment of the present invention will be described in detail with reference to FIG. 2 attached to the payment support system for offline commerce configured as described above.
  • the terminal device 100 may be configured to include a control unit 110, an input unit 130, a communication unit 140, a storage unit 150, and an output unit 160, and further include a secure storage device 200. It may include.
  • the secure storage device 200 may be provided in a form embedded in the terminal device 100 or may be provided in an external form.
  • the controller 110 controls the overall operation of the terminal device 100 according to the present invention.
  • the payment support application 100a is downloaded and installed by connecting to an application store or the like according to a user's request. Then, the payment support application 100a is executed at the user's request.
  • the executed payment support application 100a accesses the electronic payment support device 500 to request the subscription of the electronic payment service for offline commerce, and the user information and the payment information to the electronic payment support device 500 for subscription processing. Is transmitted, and the electronic payment service subscription processing result for offline commerce is received from the electronic payment support apparatus 500.
  • the user information may include a name, a social security number, and the like
  • the payment information may include a payment method that specifies one of a small payment method and a bank transfer method and payment information, and the payment information may be a small payment method.
  • the user can include the user's phone number and the authentication information of the user, and in the case of the account transfer method, it may include account information (bank name, account number, user name), or account information and account password.
  • the payment support application 100a may generate user authentication information (authentication PIN) to transmit the user authentication information generated when the electronic payment service subscription request for offline commerce is sent to the electronic payment support apparatus 500.
  • the user authentication information (authentication PIN) can be provided in a variety of ways, and can be generated in a hash value or one-time password method (OTP) through numbers, signatures, advisory, one-time authentication number generator, and the like. Accordingly, the payment support application 100a transmits user identification information and user authentication information (authentication PIN) to the secure storage device 200 or the storage unit 150 when the electronic payment service subscription for offline commerce is completed. Can be.
  • the payment support application 100a requests a one-time virtual card number to the electronic payment support device 500 according to a user's request, and for a predetermined time (for example, 30 seconds through authentication from the electronic payment support device 500). Or 1 minute, etc.) is issued and stored a valid one-time virtual card number.
  • the issued disposable virtual card number may be converted into a bar code form in the storage unit 150 of the terminal device 150 and may be stored in the secure storage device 200.
  • the payment support application 100a transmits the issued one-time virtual card number to the secure storage device 200 and requests it to be stored in the payment applet, whereby the payment applet stores the received one-time virtual card number inside a specific area. Will be stored in.
  • the payment support application 100a outputs the stored virtual card number in the form of a barcode through the output unit 160, the merchant device 300 through the barcode reader the disposable virtual Allow card numbers to be read.
  • the provision of the disposable virtual card number is made through a corresponding payment applet installed in the secure storage device 200.
  • the payment applet stores a payment identifier, an authentication value, a disposable virtual card number, etc. received from the terminal device 100. Then, it communicates with the merchant device 300 through short-range communication (for example, NFC), and transmits a disposable virtual card number.
  • the affiliated store device 300 may request the electronic payment support apparatus 500 for payment of transaction information using a disposable virtual card number obtained through barcode reading or short-range communication.
  • the payment request using the disposable virtual card number is preferably made within the valid time of the disposable virtual card number.
  • the payment support application 100a may receive and output a payment result message (eg, a push message) according to the payment processing result from the electronic payment support apparatus 500.
  • the payment result message may include payment processing result information and a receipt for account transfer or micropayment.
  • the input unit 130 is for receiving a user input signal corresponding to a user's request or information according to a user's operation, and may be implemented as various input means that are currently commercialized or that can be commercialized in the future. It may include not only a general input device such as a keyboard, a mouse, a joystick, a touch screen, a touch pad, but also a gesture input means for detecting a user's motion and generating a specific input signal.
  • An execution request for the payment support application 100a, a request for issuance of a disposable virtual card number, and various information for payment may be input through the input unit 130.
  • the communication unit 140 is a device for transmitting and receiving data through the communication network 10.
  • the communication unit 140 is the electronic payment support device 500 and / or the merchant device 300 through the communication network 10 Communicate with The communication unit 140 may transmit and receive data through various communication methods as well as wired and wireless methods.
  • data may be transmitted and received using one or more communication methods, and for this purpose, the communication unit 140 may include a plurality of communication modules that transmit and receive data according to different communication methods.
  • the communication unit 140 may include a near field communication function with the affiliated store device 300.
  • the storage unit 150 is a configuration for storing the programs and data necessary for the operation and execution of the terminal device 100, in the present invention, in particular, the payment support application (100a) and data required for payment support for offline commerce Save it.
  • the storage unit 150 may store the disposable virtual card number issued through the operation of the payment support application 100a and may further store user authentication information.
  • the storage unit 150 is an optical recording medium such as a magnetic media such as a hard disk, a floppy disk, and a magnetic tape, a compact disk read only memory (CD-ROM), and a digital video disk (DVD). And magneto-optical media such as floppy disks and ROM, random access memory (RAM), and flash memory.
  • a magnetic media such as a hard disk, a floppy disk, and a magnetic tape
  • CD-ROM compact disk read only memory
  • DVD digital video disk
  • magneto-optical media such as floppy disks and ROM, random access memory (RAM), and flash memory.
  • the output unit 160 is a means for providing the user to recognize the operation result or state of the terminal device 100.
  • the output unit 160 includes a display unit for visually outputting through a screen or a speaker for outputting an audible sound. can do.
  • the output unit 160 may display an execution screen of the payment support application 100a on the screen, and display payment processing result information and a receipt, etc. according to the offline account transfer payment result on the screen. have.
  • the output unit 160 may display a screen for inducing user information input on the execution screen of the payment support application 100a or a selection menu (icon) for issuing and storing an issue of a disposable virtual card number.
  • the electronic payment support apparatus 500 may include a controller 510, a communicator 520, and a storage 530.
  • the control unit 510 is a component for controlling the overall electronic payment service for offline commerce according to the present invention, and performs a subscription processing of the electronic payment service for offline commerce according to a request of the terminal device 100, and then performs payment.
  • a single-use virtual card number is issued.
  • the issued one-time virtual card number may be mapped and stored for each user identification information or application identification information given to the payment support application 100a of the terminal device 100.
  • the controller 510 receives a payment request including a disposable virtual card number issued by the terminal device 100 from the affiliated device device 300. If the disposable virtual card number is valid, the payment information and the transaction information of the user and the affiliate store are extracted and transmitted to the payment device 600 to request payment processing. To this end, the controller 510 may include a service subscription processing module 511 and a payment processing module 512.
  • the service subscription processing module 511 receives a service subscription request from a user who wants to use an account transfer or micropayment method in offline commerce, and performs a subscription processing of the corresponding user.
  • the service subscription processing module 511 collects user information at the time of subscription processing, and receives a payment method from the user, that is, one or more payment methods to be used among the money transfer method and the micro payment, and the corresponding payment method.
  • the service subscription processing module 511 authenticates the payment information (account number, phone number, etc.) collected by interworking with the payment device 600 that performs a wire transfer or a micro payment through the communication unit 510, and an authentication result. According to the member information and payment information can be registered.
  • the service subscription processing module 520 assigns an application identifier to the payment support application 100a installed in the terminal device 100, processing result information and collected information on the electronic payment service subscription request for offline commerce.
  • payment information may be mapped and stored for each application identifier.
  • the payment information may be mapped to the user identification information and stored.
  • it is possible to minimize the exposure of the user information can be more secure management.
  • the service subscription processing module 511 registers personal identification information (authentication PIN) and compares the personal identification information transmitted from the terminal device 100 with the registered personal identification information at the time of payment.
  • the payment processing module 512 is a component for supporting the transfer or micropayment, the personal identification information received from the terminal device 100 or the received terminal device at the request of the terminal device 100.
  • User authentication is performed by comparing the identification information with registered member information, and if authenticated, a one-time virtual card number for electronic payment service for offline commerce is issued. In this case, user authentication may be performed at the terminal end.
  • the payment processing module 512 is a valid one-time virtual card number is valid only for a predetermined time, and is stored in the storage unit 530 by mapping with pre-registered user identification information or application identification information.
  • the storage unit 530 may be stored together with the valid time of each one-time virtual card number, the one-time virtual card number that has passed the validity time may be discarded arbitrarily.
  • the payment processing module 512 first checks whether the one-time virtual card number included in the payment request message received through the communication unit 520 when the merchant device 300 makes a payment request using the one-time virtual card number. If valid, the payment method and payment information of the user are extracted based on the application identification information or the user identification information mapped to the one-time virtual card number, and the payment corresponding to the payment method is made using the extracted payment information.
  • the payment device 600 is requested.
  • the payment request message may further include one or more of transaction information including the amount to be paid, information of the merchant user, and account information of the merchant user.
  • the payment processing module 512 may further extract one or more of transaction information, information of the affiliated user and account information of the affiliated user from the payment request message for payment processing according to the corresponding payment method.
  • the payment processing module 512 accesses the payment device 600 of the financial institution corresponding to the account information in the case of bank transfer with reference to the payment method and the payment information, and in the case of a small payment, based on the telephone number of the user.
  • the payment device 600 of the communication service provider By accessing the payment device 600 of the communication service provider, one or more of the extracted transaction information, payment information, user information, and merchant user information may be requested.
  • the communication unit 520 is configured to transmit and receive data in cooperation with the terminal device 100, the affiliated device device 300, and the payment device 600 through the communication network 10. Receives a service subscription request message for subscription of a payment service, transmits a service subscription request response message including service subscription processing result information generated by the controller 510 to the terminal device 100, and subscribes to the service of the terminal device 100. Request a issuance of the disposable virtual card number.
  • the communication unit 520 receives a payment request message including a disposable virtual card number from the merchant device 300, transmits a payment request message generated by the control unit 510 to the payment device 600, and receives the payment device ( The payment processing result is received from the 600 and transmitted to the merchant device 300.
  • the communication unit 520 transmits a payment result message including payment processing result information and a receipt to the terminal device 100.
  • the storage unit 530 stores information necessary for the electronic payment service subscription processing and payment processing for offline commerce, and in particular, user information including user identification information, payment method, and payment information and installed in the terminal device 100.
  • the application identification information for the payment support application 100a is mapped and managed together.
  • the disposable virtual card number issued in response to a request of the terminal device 100 may be temporarily mapped to user identification information or application identification information.
  • the storage unit 150 is an optical recording medium such as a magnetic media such as a hard disk, a floppy disk, and a magnetic tape, a compact disk read only memory (CD-ROM), and a digital video disk (DVD). And magneto-optical media such as floppy disks and ROM, random access memory (RAM), and flash memory.
  • FIG. 4 is a diagram illustrating a method for supporting electronic payment for offline commerce according to an embodiment of the present invention.
  • the bank transfer method will be described as an example, and the small payment method will be further described only with respect to portions that differ from the bank transfer method.
  • the terminal device 100 executes the payment support application 100a and requests the electronic payment support device 500 to subscribe to the electronic payment service for offline commerce.
  • the service subscription request message includes an electronic payment service for offline commerce such as user identification information (for example, user ID), user authentication information (authentication PIN), user information (name, social security number, etc.), payment method, and payment information.
  • It may include subscription information.
  • the payment method may indicate an account transfer, and the payment information may include account information.
  • the payment method of the service subscription information indicates a small payment method, and the payment information includes a phone number and authentication information for which a small payment has been made. May be included.
  • the electronic payment support apparatus 500 authenticates the account number to be used for the electronic payment service for offline commerce by transmitting the account information as the user information and the payment information to the payment device 600 corresponding to the account information.
  • the terminal device 100 when the terminal device 100 receives the service subscription request response message from the electronic payment support device 500 and the subscription of the electronic payment service for offline commerce is completed, the terminal device 100 interworks with the secure storage device 200 in step 1105, and the user Identification information (user ID) and authentication information (authentication PIN) can be stored. More specifically, by downloading and installing a payment applet interworking with the affiliated device device 300 on the secure storage device 200, and requesting the key of the secure element to the TSM, by checking the security key of the secure storage device 200 After performing authentication, user identification information, authentication information, and the like are stored.
  • the terminal device 100 uses the electronic payment support device 300 as a disposable virtual card number in step 1106. Send the request message.
  • the terminal device 100 receives the authentication information and compares it with the authentication information stored in the secure storage device 200 to perform user authentication, and in the case of a legitimate user, the disposable virtual card.
  • the number request message can be sent.
  • the electronic payment support device 500 when the electronic payment support device 500 receives the virtual card number request message from the terminal device 100 in step 1107, the electronic payment support device 500 issues a one-time use virtual card number valid for a predetermined time, and the disposable virtual card number issued in step 1108.
  • the virtual card number response message including the message is transmitted to the terminal device 100.
  • the electronic payment support apparatus 500 may manage the issued one-time virtual card number by mapping the user identification information or the application identification information.
  • the terminal device 100 stores the received disposable virtual card number in a corresponding payment applet of the secure storage device 200.
  • the terminal device 100 receives the key of the secure element through the TSM, and stores the disposable virtual card number in the payment applet of the secure storage device 200 using the received secure element key.
  • the terminal device 100 may convert the received disposable virtual card number into a barcode and output the barcode to the output unit 160.
  • the affiliated store device 300 may further receive the authentication information (account password or authentication number) from the user.
  • the authentication information is encrypted so that a merchant user cannot recognize it.
  • the affiliated store device 300 combines transaction information including affiliated store user information, the product information, and product price information, the recognized disposable virtual card number, and authentication information input from the user. ) And request payment.
  • the electronic payment support device 500 analyzes the disposable virtual card number included in the received payment request message and checks whether the disposable virtual card number is valid first. Check the identification information or user identification information of the application that issued the one-time virtual card number, and based on this, the payment information registered in advance by the user, that is, the account information or the phone number is extracted, and the request for approval including the extracted payment information and transaction information The message is transmitted to the payment device 600.
  • the transaction amount is transferred from the user's account to the merchant user's account, or the transaction amount is added to the bill of bill corresponding to the user's phone number.
  • the payment process is performed, and an approval result message including the payment processing result information is transmitted to the electronic payment support apparatus 500.
  • the account information of the affiliated store user may be registered in advance in the electronic payment support device 500 or may be transmitted to the electronic payment support device 500 by the affiliated store device 300 when a payment request is made. Therefore, the electronic payment support apparatus 500 extracts the account information of the affiliated store user from the payment request message or the previously registered information, and transmits the account information further included in the account transfer approval request message.
  • the electronic payment support device 500 transmits the approval result message including the approval result information to the affiliated store device 300, and in step 1115, the electronic payment support device 500 receives the result of the payment for the purchase of the product, such as a receipt.
  • the payment result information transmission message including the information may be transmitted to the terminal device 100 to notify the user and / or merchant user of the payment result.
  • the affiliated store device 300 may check the approval result information according to the receipt of the approval result message, and when the payment is approved, it may output the receipt through the force and provide the received result to the user of the terminal device 100. If the payment approval fails or the one-time virtual card number is not valid, the merchant device 300 may notify the payment failure and induce the user to request the payment again.
  • the electronic payment support method for offline commerce according to the present invention performed as described above may be implemented as a program, the program instructions may be those specially designed and configured for the present invention, or may be known and available to those skilled in computer software.
  • the recording medium may be magnetic media such as hard disks, floppy disks and magnetic tapes, optical disks such as Compact Disk Read Only Memory (CD-ROM), digital video disks (DVD), Magnetic-Optical Media, such as floppy disks, and hardware devices specially configured to store and execute program instructions, such as ROM, random access memory (RAM), flash memory, and the like.
  • Examples of program instructions may include high-level language code that can be executed by a computer using an interpreter as well as machine code such as produced by a compiler.
  • Such hardware devices may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.
  • the present invention relates to a payment support system for offline commerce, a method and apparatus for offline account transfer payment in the system, and a product purchased at an affiliate store using a disposable virtual card number during offline transaction settlement using an electronic payment service.
  • the terminal device is issued a one-time virtual card number valid only for a certain time to request an offline account transfer payment, account transfer information is not recorded on the terminal device even when the terminal device is lost or left to transfer money to others Since information is not exposed, illegal payments can be prevented and an electronic payment service for safe offline commerce can be provided.

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Abstract

La présente invention concerne un système de prise en charge de paiement de commerce hors ligne, ainsi qu'un procédé et un dispositif de prise en charge de paiement électronique associés. Dans le système de prise en charge de paiement de commerce hors ligne, un dispositif de terminal communique avec le dispositif de prise en charge de paiement électronique de façon à se joindre à l'avance à un service de paiement électronique pour un commerce hors ligne et à enregistrer les informations de paiement pour un transfert de compte ou un petit paiement, et reçoit un numéro de carte virtuel unique émis par le dispositif de prise en charge de paiement électronique de façon à fournir celui-ci à un dispositif de détaillant en cas de paiement réel, et le dispositif de prise en charge de paiement électronique demande un paiement à un dispositif de paiement, qui réalise le petit paiement ou le transfert de compte, en se rapportant aux informations de paiement enregistrées lorsque le dispositif de détaillant demande un paiement à l'aide du numéro de carte virtuel unique reçu à partir du dispositif de terminal, et ainsi, un paiement de commerce hors ligne peut être réalisé de manière sûre par le transfert de compte ou le petit paiement.
PCT/KR2013/007153 2012-12-13 2013-08-08 Procédé pour prendre en charge un paiement pour un commerce hors ligne, et système et dispositif associés Ceased WO2014092286A1 (fr)

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KR1020120145675A KR20140077013A (ko) 2012-12-13 2012-12-13 오프라인 상거래를 위한 결제 시스템, 전자 결제 지원 방법 및 장치
KR10-2012-0145675 2012-12-13

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