KR20110012596A - System and method for activating non-activation settlement information and recording medium - Google Patents

Abstract

PURPOSE: A system and a method for activating settlement information is provided to prevent a financial accident during the delivery the card, by previously registering a wireless terminal information, and activating the memory card through an authentication of the wireless terminal. CONSTITUTION: If payment information inputted through a payment terminal is transmitted through a local area wireless communications to a memory card of the wireless terminal, the inherent terminal information is identified. The inherent terminal information is compared with the information of the wireless terminal which is registered as the memory card is to be mounted(808). If the inherent terminal information is matched with the registered terminal information, the payment service about the payment information is provided(890).

Description

Wireless terminal authentication method and system with memory card and recording medium therefor {System and Method for Activating Non-Activation Settlement Information and Recording Medium}

1 is a diagram illustrating an information registration system for registering device information on which a memory card is mounted according to an embodiment of the present invention.

2 is a diagram illustrating an information registration process for registering device information on which a memory card is mounted according to an exemplary embodiment of the present invention.

3 is a diagram illustrating an information registration process for registering device information on which a memory card is mounted according to an embodiment of the present invention.

4 is a diagram illustrating a non-face-to-face financial transaction system for providing a payment means based payment service stored in a memory card included in a customer mobile phone according to an embodiment of the present invention.

5 is a diagram illustrating a functional configuration of a payment terminal having a memory card payment mode according to an embodiment of the present invention.

6 is a diagram illustrating a functional configuration of a memory card that provides a payment service using payment means information according to an embodiment of the present invention.

7 is a diagram illustrating a process of providing a payment service using a memory card provided in a customer mobile phone according to an embodiment of the present invention.

8 is a diagram illustrating a process of providing a payment service using a memory card provided in a customer mobile phone according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a process of providing a payment service using a memory card provided in a customer mobile phone according to an embodiment of the present invention.

10 is a diagram illustrating a process of providing a payment service using a memory card provided in a customer mobile phone according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: information storage unit

130: information transmission unit 135: information D / B

140: client terminal 145: terminal with memory card

According to the present invention, after the customer registers the wireless terminal information on which the memory card is to be mounted in advance, the authentication is performed so that the memory card is operated. When the deliveryman is able to abuse the memory card, and also loses the memory card due to the deliveryman's mistake during delivery, the customer is to solve the problem that the misuse can occur due to the loss without knowing the fact.

In the development of information and communication technology, it is possible to mount various payment means including a credit card, a check card, a debit card, etc. in a memory card, and the payment means are provided to a customer and utilized.

In addition, the memory card equipped with such a payment method has the advantage that the customer can conveniently use, but before confirming the loss in the process of issuing it (or when the customer does not know it is lost) or before the customer receives A financial accident can happen.

According to the present invention, after the customer registers the wireless terminal information on which the memory card is to be mounted in advance, the authentication is performed so that the memory card is operated. When the deliveryman is able to abuse the memory card, and also loses the memory card due to the mistake of the deliveryman during the delivery, the customer is to solve the problem that the abuse may occur due to the loss without knowing the fact.

The method for providing a payment service for a product purchased by a customer through a payment terminal provided in an affiliated store according to the present invention and a wireless terminal equipped with a memory card having a short range wireless communication function may be input through the payment terminal ( Or selecting) the payment information is transmitted to a memory card provided in the wireless terminal through short-range wireless communication, the terminal unique information for the wireless terminal, the confirmed terminal unique information is mounted on the memory card When it is confirmed that the terminal matches the unique information registered in advance, the wireless terminal, characterized in that it comprises a step of providing a payment service for the payment information received from the payment terminal.

On the other hand, the payment terminal provided in the merchant and the wireless terminal equipped with a memory card having a short-range wireless communication function according to the present invention for providing a payment service for goods purchased by the customer, through the payment terminal Input (or selected) payment information is transmitted to a memory card provided in the wireless terminal through short-range wireless communication, the terminal unique information for the wireless terminal is confirmed, the payment approval request information including the terminal unique information Checking the memory card information in which payment means information included in the payment approval request information is stored; and whether the wireless terminal corresponding to the identified terminal unique information is a wireless terminal capable of mounting the confirmed memory card. After confirming that the wireless terminal detectable, the payment service for the payment information received from the payment terminal It characterized by comprising the step of ball.

On the other hand, it includes a computer-readable recording medium, characterized in that the program for executing the above-mentioned memory card-mounted wireless terminal authentication method recorded.

On the other hand, the payment terminal provided in the affiliated store according to the present invention, and a system for providing a payment service for goods purchased by the customer through a wireless terminal equipped with a memory card having a short-range wireless communication function, through the payment terminal Means for confirming terminal specific information for the wireless terminal when the input (or selected) payment information is transmitted to a memory card provided in the wireless terminal through short-range wireless communication, and the confirmed terminal unique information is stored in the memory card. When it is confirmed that the matching with the pre-registered terminal unique information to the wireless terminal to be mounted, characterized in that it comprises a means for providing a payment service for the payment information received from the payment terminal.

On the other hand, the payment terminal provided in the affiliated store according to the present invention, and a system for providing a payment service for goods purchased by the customer through a wireless terminal equipped with a memory card having a short-range wireless communication function, through the payment terminal Input (or selected) payment information is transmitted to a memory card provided in the wireless terminal through short-range wireless communication, the terminal unique information for the wireless terminal is confirmed, the payment approval request information including the terminal unique information Is received, means for confirming memory card information in which payment means information included in the payment approval request information is stored, and whether the wireless terminal corresponding to the identified terminal unique information is a wireless terminal capable of mounting the confirmed memory card. Check the status, and if confirmed as a wireless terminal detectable, the payment service for the payment information received from the payment terminal Including providing means is characterized in that formed.

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

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

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

1 is a diagram illustrating an information registration system for registering device information on which a memory card is mounted according to an embodiment of the present invention.

In more detail, in FIG. 1, when a predetermined client terminal 140 accesses a server on a financial transaction system through a predetermined network means and provides device registration request information for registering device information on which the memory card is to be mounted, In the information registration system configuration for storing the device registration request information provided from the client terminal 140 in the information D / B (135) provided on the financial transaction system, which is common in the art Those skilled in the art will be able to infer various implementation methods for the configuration of an information registration system for registering device information on which the memory card will be mounted by referring to and / or modifying the present invention. It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or functional configuration for storing the device registration request information provided from the client terminal 140 in the information D / B 135 on the information registration system shown in FIG. The component is referred to as "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for registering device information on which a memory card according to the present invention is mounted comprises: at least one client terminal 140 connected to a predetermined network means; Information D / B 135 for storing device registration request information transmitted from the client terminal 140 and device registration connected to the client terminal 140 through a predetermined network means and transmitted via the network means. And receiving the request information and storing the information registration server 100 in the information D / B (135).

The client terminal 140 is a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or User Datagram Protocol / Internet Protocol (UDP) (eg, Asymmetric Digital Subscriber Line (ADSL) / VDSL (Very High- a wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 through a data rate Digital Subscriber Line) and / or a cable communication network, and / or CDMA ( A mobile communication terminal connected to a Code Division Multiple Access (CDMA) based mobile communication network (or a High Speed Downlink Packet Access (HSDPA) based mobile communication network), and / or a portable Internet terminal connected to an IEEE 802.16x based high speed wireless Internet, and / Or at least one wireless terminal including at least one WLAN terminal connected to an IEEE 802.11x based WLAN network. The client terminal 140 outputs at least one device registration request interface screen provided by the information registration server 100, and inputs and / or at least one information through the device registration request interface screen. It is preferable that a function configuration (eg, a browser program and a communication function) for selection and transmission to the information registration server 100 is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the client terminal 140 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Omit for convenience.

According to an embodiment of the present invention, when the client terminal 140 is a wired terminal, the network means includes the TCP / IP based wired communication network, and when the client terminal 140 is a wireless terminal, The network means preferably comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network.

The information D / B 135 provided on the financial transaction system according to the present invention may store device registration request information transmitted from the client terminal 140.

Preferably, the device registration request information includes at least one piece of customer information, memory card information held (or issued) by the customer, and at least one device information on which the memory card is to be mounted.

The customer information included in the device registration request information includes personal information (eg, name, social security number, home address, phone number, email address, etc.) and member information of the customer who owns the device with the memory card. For example, it is preferable to include at least one or more) (member ID information, etc.) given by a customer who wants to use the payment service using the memory card as a member.

The memory card information included in the device registration request information may include unique information about a memory card mounted in a device held by the customer or unique information about a memory card to be issued by the customer.

For example, the unique information about the memory card is preferably provided to the memory card, and includes S / N (Serial Number) information for managing the memory card.

The memory card loading device information included in the device registration request information may include device specific information on a device on which the memory card is to be mounted.

For example, the unique information about the device on which the memory card is to be mounted is given to the device, and preferably includes S / N (Serial Number) information for managing the device. In the case of a device to which is given, it is preferable that the phone number information or ESN information is further included.

According to an embodiment of the present invention, the information registration server 100 communicates with the client terminal 140 through the network means in order to provide a web interface corresponding to the client terminal 140 and the network means. And an interface unit 105 (or interface means) for connecting and managing channels, whereby the information registration server 100 establishes a wired communication network and / or a wireless communication network with the client terminal 140. It has the function of a web server connected via communication.

According to an embodiment of the present invention, when the client terminal 140 is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP or UDP / IP, the interface unit 105 is the client terminal 140. And a predetermined communication channel based on the HTTP (Hyper-Text Transfer Protocol) protocol, and a device registration request interface in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal 140 through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and / or information providing screen and receiving and processing predetermined device registration request information input (or selected) through the device registration request interface screen from the client terminal 140. Do.

According to another exemplary embodiment of the present invention, when the client terminal 140 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 105 is connected to the client terminal 140 and a WAP (Wireless). Connect a predetermined communication channel based on Application Protocol and / or Mobile Explorer (ME) protocol, and the device in the form of Wireless Markup Language (WML) and / or HTML compatible document to the client terminal 140 through the communication channel. It is preferable to perform a function of transmitting and outputting a registration request interface screen and / or an information providing screen and receiving and processing predetermined device registration request information corresponding to the device registration request interface screen from the client terminal 140.

According to another exemplary embodiment of the present invention, when the client terminal 140 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 105 is connected to the client terminal 140. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit a predetermined device registration request interface screen and / or information providing screen to the client terminal 140 through the communication channel and output the same. And receiving and processing predetermined device registration request information corresponding to the device registration request interface screen from the client terminal 140, and / or the client terminal 140 is based on IEEE 802.11x. When the communication channel is connected through a wireless communication network of the wireless terminal, the interface unit 105 140 connects a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard, and provides a predetermined device registration request interface screen and / or information to the client terminal 140 through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and receiving and processing predetermined device registration request information corresponding to the device registration request interface screen from the client terminal 140.

Referring to FIG. 1, when the predetermined client terminal 140 accesses the information registration server 100 through the interface unit 105, the information registration server 100 cooperates with the interface unit 105. The interface providing unit 110 (or interface providing means) for generating (or extracting) a predetermined device registration request interface screen for allowing the client terminal 140 to input (or select) and transmit predetermined device registration request information. ) And an information receiving unit 115 (or information) for receiving device registration request information that is input (or selected) and transmitted from the client terminal 140 through the device registration request interface screen in association with the interface unit 105. Receiving means) and an information storage unit 125 (or information storage means) for storing the received device registration request information in the information D / B 135. It shall be.

In addition, when the device registration request information transmitted from the client terminal 140 is received, the information registration server 100 validates the validity checker 120 (or validity check) for checking the validity of the received device registration request information. Means) is preferably further included.

The interface providing unit 110 has a functional configuration (eg, a client) provided in the client terminal 140 when a predetermined client terminal 140 is connected to the information registration server 100 through the interface unit 105. A device registration request interface screen for inputting (or selecting) predetermined device registration request information corresponding to a browser program included in the terminal 140 and transmitting the predetermined device registration request information to the information registration server 100 through the network means. The client terminal 140 generates, and / or extracts from a predetermined database (not shown) and the device registration request interface screen generated (or extracted) in association with the interface unit 105 through the network means. It is characterized in that to provide.

Thereafter, the client terminal 140 inputs (or selects) predetermined device registration request information based on the device registration request interface screen, and when it is confirmed that the device registration request information is input (or selected), the client The terminal 140 transmits the input (or selected) device registration request information to the information registration server 100 through the network means.

Those skilled in the art to which the present invention belongs, input the device registration request information (or at least one form form included in the device registration request interface screen in the client terminal 140 (or And the technical feature of transmitting the input (or selected) device registration request information to the information registration server 100 through a communication protocol provided by the network means. Detailed description thereof will be omitted for convenience.

The information receiving unit 115 inputs (or selects) predetermined device registration request information from the client terminal 140 through the device registration request interface screen, and transmits the information through the network means. And receiving the device registration request information by interworking.

When the device registration request information transmitted from the client terminal 140 is received through the information receiving unit 115, the validity confirming unit 120 confirms the validity of the received device registration request information. .

According to the method of the present invention, the validity check of the received device registration request information, the customer information of the information contained in the received device registration request information member management D / B on the information registration system (not shown) And checking whether or not the customer is registered as a member capable of registering device information to be mounted on the memory card.

In addition, the validity confirmation of the received device registration request information, the memory card information of the information contained in the received device registration request information is registered on the memory card management D / B (not shown) on the information registration system It is preferable to include checking whether or not it is a memory card.

The information storage unit 125 stores the device registration request information received through the information receiving unit 115 in the information D / B 135.

Preferably, the device registration request information includes at least one piece of customer information, memory card information held (or issued) by the customer, and at least one device information on which the memory card is to be mounted.

The customer information included in the device registration request information includes personal information (eg, name, social security number, home address, phone number, email address, etc.) and member information of the customer who owns the device with the memory card. For example, it is preferable to include at least one or more) (member ID information, etc.) given by a customer who wants to use the payment service using the memory card as a member.

The memory card information included in the device registration request information may include unique information about a memory card mounted in a device held by the customer or unique information about a memory card to be issued by the customer.

For example, the unique information about the memory card is preferably provided to the memory card, and includes S / N (Serial Number) information for managing the memory card.

The memory card loading device information included in the device registration request information may include device specific information on a device on which the memory card is to be mounted.

For example, the unique information about the device on which the memory card is to be mounted is given to the device, and preferably includes S / N (Serial Number) information for managing the device. In the case of a device to which is given, it is preferable that the phone number information or ESN information is further included.

Referring to FIG. 1, the information registration server 100 registers device information on a memory card to be loaded with a memory card requested by the customer in response to the received device registration request information. An information transmitting unit 130 (or information transmitting means) for transmitting the device registration request information to the memory card mounting terminal 145 equipped with the target memory card for registering the device information to be mounted and processing it to be stored on the memory card. It is characterized by comprising.

According to an exemplary embodiment of the present invention, the processing of storing the device registration request information on the memory card may include transmitting the received device registration request information to the memory card loading terminal 145 and transmitting the received device registration request information to the memory card loading terminal. It is preferable to transfer the data back to the memory card at 145 to process the data on the memory card.

According to another exemplary embodiment of the present invention, the processing of storing the device registration request information on a memory card may include transmitting the received device registration request information to the client terminal 140, and transmitting the received device registration request information to the client terminal 140. Preferably, the device registration request information is directly transmitted to a memory card through a short range communication channel, and processed to be stored on the memory card.

2 is a diagram illustrating an information registration process for registering device information on which a memory card is mounted according to an embodiment of the present invention.

In more detail, FIG. 2 shows a device registration request for device information registration in which a client terminal 140 on the information registration system shown in FIG. 1 is loaded with a memory card to the information registration server 100 through a predetermined network means. When the information is transmitted, the information registration server 100 is a process for storing the device registration request information in the information D / B 135, if the person having ordinary knowledge in the technical field to which the present invention belongs Although various implementation methods for the information registration process for registering the device information on which the memory card is to be loaded may be inferred by referring to and / or modifying the drawing 2, the present invention includes all the implementation methods inferred from the above figure 2 It is not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the information registration server 100 on the information registration system shown in FIG. 1 is referred to as " server " for convenience, and the client terminal 140 on the information registration system shown in FIG. 1 is referred to as " terminal " It is called.

Referring to FIG. 2, a terminal on the information registration system shown in FIG. 1 connects to the server via the network means and connects a communication channel for registering device information on which a memory card is to be mounted (200).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server in accordance with the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to mount the memory card It will be familiar with the technical features for connecting the communication channel for registration of the device information to be described, a detailed description thereof will be omitted for convenience.

When a communication channel for registering device information on which a memory card is to be mounted is connected between the terminal and the server as described above, the terminal receives a device registration request interface for registering device information on which the memory card is to be mounted to the server through the communication channel. Request a screen (205), and correspondingly, the server generates (or extracts) a device registration request interface screen including a user interface for inputting (or selecting) the device registration request information in the terminal (210); The generated (or extracted) device registration request interface screen is transmitted to the terminal through the communication channel (215).

Thereafter, the terminal processes the device registration request information to be input (or selected) through the user interface included in the device registration request interface screen for inputting (or selecting) the device registration request information (220).

If the device registration request information is input (or selected) at the terminal (225), the terminal transmits the device registration request information to the server through the communication channel (230), and the server correspondingly The validity of the received device registration request information is checked (235).

According to the method of the present invention, the validity check of the received device registration request information, the customer information of the information contained in the received device registration request information member management D / B on the information registration system (not shown) And checking whether or not the customer is registered as a member capable of registering device information to be mounted on the memory card.

In addition, the validity confirmation of the received device registration request information, the memory card information of the information contained in the received device registration request information is registered on the memory card management D / B (not shown) on the information registration system It is preferable to include checking whether or not it is a memory card.

If the validity of the received device registration request information is not confirmed (240), the server generates (or extracts) validation error information about the received device registration request information and transmits it to the terminal for output. If possible (245), the process after registering the device registration request information is terminated.

On the other hand, if the validity of the received device registration request information is confirmed (240), the server stores the received device registration request information in the information D / B 135 shown in Figure 1 (250).

Here, the process of storing in the information D / B 135 shown in Figure 1 may be omitted according to the intention and purpose of those skilled in the art, whereby the present invention is not limited.

Preferably, the device registration request information includes at least one piece of customer information, memory card information held (or issued) by the customer, and at least one device information on which the memory card is to be mounted.

The customer information included in the device registration request information includes personal information (eg, name, social security number, home address, phone number, email address, etc.) and member information of the customer who owns the device with the memory card. For example, it is preferable to include at least one or more) (member ID information, etc.) given by a customer who wants to use the payment service using the memory card as a member.

The memory card information included in the device registration request information may include unique information about a memory card mounted in a device held by the customer or unique information about a memory card to be issued by the customer.

For example, the unique information about the memory card is preferably provided to the memory card, and includes S / N (Serial Number) information for managing the memory card.

The memory card loading device information included in the device registration request information may include device specific information on a device on which the memory card is to be mounted.

For example, the unique information about the device on which the memory card is to be mounted is given to the device, and preferably includes S / N (Serial Number) information for managing the device. In the case of a device to which is given, it is preferable that the phone number information or ESN information is further included.

Thereafter, the server transmits the device registration request information to the memory card mounting terminal 145 shown in FIG. 1 and processes the device registration request information to be stored in the memory card mounted on the memory card mounting terminal 145 (255).

3 is a diagram illustrating an information registration process for registering device information on which a memory card is mounted according to an exemplary embodiment of the present invention.

In more detail, FIG. 3 shows device registration for device information registration in which the client terminal 140 on the information registration system shown in FIG. 1 is loaded with the memory card to the information registration server 100 through a predetermined network means. When the request information is transmitted, the process of storing the device registration request information in the information D / B 135 in the information registration server 100, if the person having ordinary knowledge in the technical field to which the present invention belongs, Although various implementation methods for the information registration process for registering the device information on which the memory card is to be loaded may be inferred by referring to and / or modifying the drawing 3, the present invention includes all the implementation methods inferred from this figure. It is not limited only to the implementation method shown in 3.

Hereinafter, in FIG. 3, the information registration server 100 on the information registration system shown in FIG. 1 is referred to as " server " for convenience, and the client terminal 140 on the information registration system shown in FIG. 1 is referred to as " terminal " It is called.

Referring to FIG. 3, a terminal on the information registration system shown in FIG. 1 connects to the server via the network means and connects a communication channel for registering device information on which a memory card is to be loaded (300).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server in accordance with the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to mount the memory card It will be familiar with the technical features for connecting the communication channel for registration of the device information to be described, a detailed description thereof will be omitted for convenience.

When a communication channel for registering device information on which a memory card is to be mounted is connected between the terminal and the server as described above, the terminal receives a device registration request interface for registering device information on which the memory card is to be mounted to the server through the communication channel. Request a screen (305), and correspondingly, the server generates (or extracts) a device registration request interface screen including a user interface for inputting (or selecting) the device registration request information in the terminal (310); The generated (or extracted) device registration request interface screen is transmitted to the terminal through the communication channel (315).

Thereafter, the terminal processes 320 to input (or select) the device registration request information through the user interface included in the device registration request interface screen for inputting (or selecting) the device registration request information.

If the device registration request information is input (or selected) in the terminal (325), the terminal transmits the device registration request information to the server through the communication channel (330), and the server correspondingly The validity of the received device registration request information is checked (335).

According to the method of the present invention, the validity check of the received device registration request information, the customer information of the information contained in the received device registration request information member management D / B on the information registration system (not shown) And checking whether or not the customer is registered as a member capable of registering device information to be mounted on the memory card.

In addition, the validity confirmation of the received device registration request information, the memory card information of the information contained in the received device registration request information is registered on the memory card management D / B (not shown) on the information registration system It is preferable to include checking whether or not it is a memory card.

If the validity of the received device registration request information is not confirmed (340), the server generates (or extracts) validation error information about the received device registration request information, and transmits it to the terminal for output. In step 345, the process of registering the device registration request information ends.

On the other hand, if the validity of the received device registration request information is confirmed (340), the server stores the received device registration request information in the information D / B 135 shown in Figure 1 (350).

Here, the process of storing in the information D / B 135 shown in Figure 1 may be omitted according to the intention and purpose of those skilled in the art, whereby the present invention is not limited.

Preferably, the device registration request information includes at least one piece of customer information, memory card information held (or issued) by the customer, and at least one device information on which the memory card is to be mounted.

The customer information included in the device registration request information includes personal information (eg, name, social security number, home address, phone number, email address, etc.) and member information of the customer who owns the device with the memory card. For example, it is preferable to include at least one or more) (member ID information, etc.) given by a customer who wants to use the payment service using the memory card as a member.

The memory card information included in the device registration request information may include unique information about a memory card mounted in a device held by the customer or unique information about a memory card to be issued by the customer.

For example, the unique information about the memory card is preferably provided to the memory card, and includes S / N (Serial Number) information for managing the memory card.

The memory card loading device information included in the device registration request information may include device specific information on a device on which the memory card is to be mounted.

For example, the unique information about the device on which the memory card is to be mounted is given to the device, and preferably includes S / N (Serial Number) information for managing the device. In the case of a device to which is given, it is preferable that the phone number information or ESN information is further included.

Thereafter, the server requests the terminal to transmit the device registration request information transmitted from the terminal to the memory card (355), and correspondingly, the terminal transmits the device registration request information to the memory card through short-range wireless communication. The data is transmitted and stored in the memory card (360).

4 is a diagram illustrating a non-face-to-face financial transaction system for providing a payment means based payment service stored in a memory card included in a customer mobile phone according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a method for providing a payment method based on a payment method stored in a memory card included in the customer's mobile phone to a financial transaction system through a predetermined financial transaction interface. If the financial transaction request information including at least one authentication information and merchant information is provided, the customer account information, payment amount information, transaction authentication information, and merchant information included in the provided financial transaction request information are provided by the financial transaction system. As a configuration of a system for providing a financial transaction for providing a payment means based payment service stored in a memory card provided in the customer's mobile phone, a person having ordinary knowledge in the art to which the present invention pertains, FIG. Memory provided in the customer's mobile phone for reference and / or modification It will be able to infer various implementation methods for the configuration of a financial transaction system for providing a payment means based payment service stored in the card, but the present invention includes all the implementation methods inferred above and is limited to the implementation method shown in FIG. Not.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 4 to use various payment means such as a credit card / check card / debit card in addition to the method of using a customer payment account. It will be able to easily infer the method for the present invention, whereby the present invention is not limited.

In addition, the memory card may include any wired / wireless terminal capable of mounting a memory card in addition to the customer mobile phone, and the present invention is not limited thereto.

Hereinafter, a financial means for providing a payment means based payment service stored in a memory card included in the customer's mobile phone using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. Components corresponding to at least one or more means and / or functional configurations for providing a transaction are referred to as " financial transaction server 400 &quot; for convenience, and the financial transaction server in FIG. 400 preferably includes all types of non-face-to-face banking servers including at least one or more of an Internet banking server, a wireless banking server, a home banking server, and the like.

Referring to FIG. 4 according to an embodiment of the present invention, a financial transaction system for providing a payment means based payment service stored in a memory card included in the customer's mobile phone is input according to a payment terminal 450 operation of an affiliated employee. A financial transaction terminal 445 including a wireless terminal such as a customer mobile phone equipped with a memory card for receiving payment information, network means corresponding to a wired communication network and / or a wireless communication network to which the financial transaction terminal 445 is connected; A financial transaction server 400 connected to the financial transaction terminal 445 through the network means and processing a financial transaction for providing a payment means based payment service stored in a memory card included in the customer mobile phone; It is characterized by comprising a financial system established.

The financial system that processes the at least one financial transaction service through the customer payment account in connection with the financial transaction server 400 may include at least one window terminal and a predetermined terminal at a branch (and / or a branch) of the financial institution. It is characterized in that it is connected through a financial network (eg, our network), and provides a face-to-face financial transaction service to at least one financial transaction customer through the window terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (eg, a Personal Computer (PC) equipped with the wired Internet access and browsing function) connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, and / or A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop, a laptop equipped with the wireless LAN / portable Internet connection and a browsing function, and / or a mobile terminal.

In addition, the financial system is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or HSDPA based wireless through the wireless banking server) PCS (Personal Communication) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a communication network, and / or an IEEE 802.16x-based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. System and / or Global System for Mobile (GSM) terminals and / or personal digital assistants (PDAs) and / or smartphones and / or telematics, etc. Provide face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one wireless terminal (e.g., wireless terminal equipped with a financial IC chip) connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. Through IC chip-based non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 4, the financial system is a computer system provided in a financial institution for opening at least one financial account to at least one financial transaction customer and providing at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and / Or an external system that provides various financial transaction interfaces through at least one common network (eg, a CD common network, a financial common network), and the financial system includes interfacing between components in the financial system. Interface module corresponding to the middleware platform for providing a predetermined information, and predetermined information (eg, ledger information, and / or customer information, and / or management information required for each function in the components in the financial system) Etc.) and a DBMS (DataBase Management System) including at least one database for storing and managing the same.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). And stored in a linked process, and the ledger information is stored in the customer payment account. It characterized in that it comprises a corresponding predetermined ledger.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

According to one embodiment of the present invention, the customer accesses the financial transaction server 400 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the financial transaction server 400 inputs (or selects) financial transaction request information for providing a payment means based payment service stored in a memory card included in the customer's mobile phone through at least one user interface provided by the financial transaction server 400, the client terminal In the above, it is preferable to transmit to the financial transaction server 400 provided on the financial transaction system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA based wireless communication At least one wireless communication terminal connected to the trust network, or a portable Internet terminal connected to the IEEE 802.16x-based portable Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex-based wireless data communication network, and the like.

In addition, the financial transaction server 400 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the financial transaction server 400 is a CDMA-based mobile communication network and / or HSDPA-based wireless communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that either the portable Internet and / or DataTAC / Mobitex-based wireless data communication network is included, and / or includes all types of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial transaction server 400, and inputs and / or selects at least one or more information through the user interface to the financial transaction server 400. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the financial transaction server 400, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the financial transaction system as described above, in order to provide a payment means based payment service stored in the memory card provided in the customer's mobile phone, the memory card for receiving the payment information input according to the operation of the payment terminal 450 of the merchant employee The financial transaction terminal 445 including a wireless terminal such as a customer mobile phone provided, and at least one wireless communication network connecting the financial transaction terminal 445 and the financial transaction server 400 is connected to the customer mobile phone. It performs a function of the financial transaction interface for registering the financial transaction request information to provide a payment method based payment service stored in the provided memory card.

The financial transaction server 400 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 445 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

In accordance with an embodiment of the present invention, the financial transaction terminal 445 provides payment information based on an operation of a payment terminal 450 of an affiliated employee to provide a payment means based payment service stored in a memory card included in the customer mobile phone. In the case of a wireless terminal such as a customer cell phone equipped with a memory card for receiving the financial transaction server 400 is a predetermined wireless banking server provided on the wireless banking system, and / or is provided in the wireless banking server A program, and / or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, a program included in the server (or device), and / or the wireless banking server ( And / or a server (or device) provided in the external world on the financial system accessible through the server (or device)), and / or It may be a program provided in the external world on the financial system, whereby the present invention is not limited.

The financial transaction request information transmitted from the financial transaction terminal 445 to the financial transaction server 400 for providing a payment means based payment service stored in a memory card included in the customer mobile phone includes predetermined customer payment account information. And at least one payment amount information, transaction authentication information, and merchant information.

The customer payment account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the customer, according to the intention of the skilled person (for example, the name of the account holder, or the customer payment account) CIF (Customer Information File) number of the corresponding customer, financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code), contact information (e.g., opening the customer payment account and Name of a responsible person in charge, a person in charge code, etc.) may be further included.

The payment amount information comprises a financial transaction amount withdrawn from the customer payment account to provide a payment means based payment service stored in the memory card provided in the customer mobile phone, the payment amount is the customer payment account It does not exceed the remaining balance (or the amount that can be withdrawn from the customer payment account) deposited in the.

The transaction authentication information includes at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for providing a payment method based payment service stored in a memory card included in the customer mobile phone. Information for securing one or more validity, characterized in that it comprises at least one password corresponding to the customer payment account, or a password corresponding to the financial transaction.

In addition, in order to provide a payment means based payment service stored in the memory card provided in the customer's mobile phone, unique to the memory card provided in the financial transaction terminal 445 (that is, the customer's mobile phone) that transmitted the financial transaction request information. It is preferable that the information is further included.

In addition, in order to provide a payment means based payment service stored in the memory card provided in the customer's mobile phone, further comprising the unique information for the financial transaction terminal 445 (that is, the customer mobile phone) that transmitted the financial transaction request information, It is preferable to make.

In addition, the transaction authentication information shown in Figure 4, characterized in that the financial transaction for providing a payment means based payment service stored in the memory card provided in the customer mobile phone is made through a non-face-to-face channel, the transaction authentication information OTP code generated by the customer payment account further comprises at least one or more security code information provided on the security card provided to the customer, and / or the OTP (One Tome Password) generator provided to the customer It is preferable that it further comprises.

In addition, the transaction authentication information shown in Figure 4, characterized in that the financial transaction for providing a payment means based payment service stored in the memory card provided in the customer mobile phone is made through a non-face-to-face channel, the transaction authentication information Certified certificate information included in the financial transaction terminal 445 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 445), or included in the certificate Preferably, the method further comprises encrypting the financial transaction request information based on at least one or more encryption keys, or attaching the electronic signature of the customer to the financial transaction request information.

The merchant information is to provide a payment means based payment service stored in a memory card provided in the mobile phone of the customer, the merchant number corresponding to the merchant to be provided with the payment amount, merchant name, merchant address, merchant phone number, merchant It is preferable to include at least one or more main information, it is preferable to further comprise at least one or more merchant account information to be deposited the payment amount according to the intention and purpose of those skilled in the art.

Referring to FIG. 4, the financial transaction server 400 connects and manages a communication channel for transmitting and receiving payment related information with at least one financial transaction terminal 445 through a communication network (or interface means). And an information receiver 410 (or an information receiver) for receiving payment approval request information including at least one payment means information and payment information from the financial transaction terminal 445 in association with the interface unit 405. And an information transmission unit 415 (or information transmission means) for transmitting payment approval result information corresponding to the payment approval request information to the financial transaction terminal 445 in association with the interface unit 405. It is characterized by.

In addition, the financial transaction server 400 validity check unit 420 (or checks the validity of the customer payment account information, payment amount information, transaction authentication information and merchant information included in the received financial transaction request information (or Validation means) is characterized in that it comprises a.

Extracting the payment means information stored in the memory card provided in the financial transaction terminal 445 in the financial transaction terminal 445, generating payment approval request information including the payment means information, the payment amount and the merchant information; When transmitting through the communication network, the information receiving unit 410 connects with the interface unit 405 to receive the payment approval request information.

If the payment approval procedure corresponding to the payment approval request information is completed in the financial transaction server 400 and the payment approval result information including a predetermined payment processing history is generated, the information transmitting unit 415 is the interface unit. In operation 405, the payment approval result information may be transmitted to the payment terminal 450.

Persons having ordinary knowledge in the technical field to which the present invention pertains are familiar with technical features for transmitting and receiving the payment approval request information and payment approval result information through the communication network, and a detailed description thereof will be omitted for convenience.

The validity confirming unit 420 may be configured to determine whether the financial transaction request information received from the financial transaction terminal 445 satisfies the validity for providing a payment means based payment service stored in a memory card included in the customer mobile phone.

According to the implementation method of the present invention, the validity check of the financial transaction request information is finance corresponding to the payment means information (ie customer payment account information) included in the financial transaction request information in the ledger D / B on the financial system It is preferable to include checking whether an account ledger (or a customer ledger corresponding to the customer payment account) is provided for the account, and when the account ledger (or a customer ledger corresponding to the customer payment account) is provided. It is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity check of the financial transaction request information includes checking whether the unique information on the memory card that stores the payment means information included in the transaction authentication information included in the financial transaction request information is valid unique information. It is preferable to make it, and if valid unique information is confirmed, the validity of the financial transaction request information is preferably authenticated.

In addition, the validity check of the financial transaction request information, the unique information about the memory card loaded device (that is, financial transaction terminal 445) included in the transaction authentication information included in the financial transaction request information is shown in FIG. It is preferable to include whether it is matched with the memory card on-board device information stored in the information D / B shown, and if it is confirmed that the validity of the financial transaction request information is preferably verified.

In addition, the validity of the financial transaction request information is the amount deposited in the customer payment account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the customer payment account) is the financial transaction request information It is preferable to include whether the amount is greater than the payment amount contained in, and if the balance of the customer payment account is greater than the payment amount is preferably validated the validity of the financial transaction request information.

In addition, the validity check of the financial transaction request information is based on the account ledger provided in the ledger D / B on the financial system in response to various passwords and the customer payment account corresponding to the transaction authentication information included in the financial transaction request information. And comparing the various passwords corresponding to the transaction authentication information with each other, and comparing the various passwords corresponding to the transaction authentication information. It is preferable that the validity of the transaction request information is authenticated.

In addition, when the transaction authentication information further includes predetermined security code information, the validation of the financial transaction request information is provided in the ledger D / B on the financial system corresponding to the security code information and the customer payment account And comparing the security code information corresponding to the security card included on (or linked with) the account ledger, and checking whether the security code information corresponding to the transaction authentication information is matched. When the security code information corresponding to the information is matched, the validity of the financial transaction request information is preferably authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity check of the financial transaction request information is based on the OTP generation information matching the OTP code and the OTP generator paid to the customer predetermined OTP And generating an authentication code, comparing the OTP code with the OTP authentication code, and checking whether the OTP code corresponding to the transaction authentication information matches the OTP authentication code. When the corresponding OTP code matches the OTP authentication code, the validity of the financial transaction request information is preferably authenticated.

In addition, when the financial transaction request information is encrypted through a predetermined encryption key (for example, an encryption key provided in the financial transaction terminal 445, or an encryption key included in an authorized certificate issued to a customer), the financial transaction request information Validation of the is preferably performed by decrypting the encrypted financial transaction request information (or at least one or more financial transaction information included in the financial transaction request information), and confirming that the decryption is normally performed, the decryption When is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, when the electronic signature of the customer is attached to the financial transaction request information through a predetermined private key (eg, an encryption key including an accredited certificate issued to the customer), the validity check on the financial transaction request information may be performed. Preferably, the electronic signature of the customer is verified with respect to the signed financial transaction request information (or at least one or more financial transaction information included in the financial transaction request information). In this case, it is preferable that the validity of the financial transaction request information is authenticated.

Referring to FIG. 4, the financial transaction server 400 receives payment approval request information including payment means information, payment amount, and merchant information from the financial transaction terminal 445 through the information receiver 410. When the payment means information included in the received payment approval request information is matched with the account ledger stored on the financial system, payment means confirmation unit 425 (or payment means confirmation means) and the payment approval request When the payment method information included in the information matches the payment method information stored on the account ledger provided in the ledger D / B, the amount of money deposited or withdrawn in the customer payment account corresponding to the payment method information is compared with the payment amount Payment approval processing unit 430 (or payment approval destination) for processing the payment approval of the payment amount through the payment means stored in the memory card provided in the customer mobile phone Means) and an information generation unit 435 for generating predetermined payment processing history information including a payment processing result including one of predetermined payment error information and payment approval information corresponding to the payment approval processing (or Information generating means) and an information storage unit 440 for storing predetermined transaction history information, which is classified by date and time, in a predetermined transaction history D / B. (Or information storage means), and the generated payment processing history information is transmitted to the payment terminal 450 through the information transmission unit 415.

When payment approval request information including the payment means information, the payment amount and the affiliated store information is received from the financial transaction terminal 445 through the information receiving unit 410, the payment means confirmation unit 425 is the financial transaction terminal. The payment means information included in the payment approval request information received from 445 is characterized by checking whether the account information stored in the account ledger provided in the ledger D / B on the financial system.

According to an embodiment of the present invention, the payment means checking unit 425 uses the payment means information included in the payment approval request information as a keyword to search / search the account ledger stored in the ledger D / B on the financial system. It is preferable to check whether the payment means information included in the payment approval request information is valid payment means information by searching / searching the account ledger stored in the ledger D / B on the financial system.

If the payment means information included in the payment approval request information is matched with the account ledger stored in the ledger D / B on the financial system, the payment approval processing unit 430 the payment means information is sent to the ledger D / B on the financial system Check the deposit (or withdrawable amount) for the confirmed payment method (ie, customer's payment account) through the stored account ledger, and compare the confirmed deposit (or withdrawable amount) information with the payment amount. Approving the processing of the payment amount through the memory card provided in the mobile phone.

According to an embodiment of the present invention, when the payment means corresponding to the confirmed payment means information includes a bank transfer payment means, the payment approval processing unit 430 is an account ledger stored in the ledger D / B on the financial system Confirms a deposit (or withdrawable amount) for the customer's payment account corresponding to the payment method, and compares the confirmed deposit (or withdrawable amount) with the payment amount, thereby providing a memory card provided in the customer's mobile phone. Characterized in that the payment approval for the payment amount through.

The payment approval processing unit 430 may process predetermined payment error information (eg, payment error code) or payment approval information (eg, in the process of processing payment approval for the payment amount through the memory card provided in the customer mobile phone). Characterized in that the payment processing results including any one of the payment approval number).

When the payment approval processing unit 430 generates a payment processing result including any one of the payment error information (eg, payment error code) or payment approval information (eg, payment approval number), the information generation unit ( 435 generates predetermined payment processing history information including the payment means information, payment amount information, merchant information and payment processing result, and the information transmitting unit 415 is connected to the interface unit 405. The predetermined payment approval result information including payment processing history information is linked to the payment terminal 450 through the communication network.

When the predetermined payment processing history information including the payment approval information (eg, payment approval number) is generated by the payment approval processing unit 430, the information storage unit 440 stores the payment processing history information (eg, the A predetermined transaction processing history including card information, payment amount information, merchant information and payment approval information), and generating the predetermined transaction history information further including the payment date and time information and storing the transaction information in the predetermined transaction history D / B. It is characteristic.

5 is a diagram showing the functional configuration of a payment terminal 500 having a memory card payment mode according to an embodiment of the present invention.

More specifically, Figure 5 relates to an embodiment of a payment terminal 500 having a memory card payment mode for a payment service using a memory card provided in a customer mobile phone, the general knowledge in the art to which the present invention pertains. If the person having the above, it will be able to infer the configuration of the various payment terminal 500 function for the payment service using the memory card provided in the customer's mobile phone by referring to and / or modifying the figure 5, but the technical features of the present invention It is to be understood that the present invention is not intended to be limited to FIG. 5 but includes all inferred implementation methods.

For example, those skilled in the art to which the present invention pertains may request information to a payment server in order to provide a payment service using a memory card provided in a customer's mobile phone by referring to and / or modifying the drawing 5. Although a method of transmitting and a method of transmitting a full text are shown and described in one drawing, it is possible to implement a method by each method separately, whereby the present invention is not limited thereto.

In addition, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 5 to infer an implementation method for all wireless terminals capable of mounting a memory card instead of a customer mobile phone. Thereby, this invention is not limited.

Referring to FIG. 5, a payment terminal 500 having a memory card payment mode for a payment service using a memory card provided in a customer mobile phone basically includes a control unit 505, a memory unit 550, and a card reader unit 510. ), A key input unit 520, a screen output unit 515, a communication processor 535, a security application module 540, a print output unit 545, and a power supply unit 525 for supplying power to the payment terminal 500. ), And includes one or more terminal function units (not shown) according to the intention of those skilled in the art.

The control unit 505 controls the overall operation of the payment terminal 500 in the functional configuration, manages the flow of information or data between each component, and performs payment processing based on the payment information stored in the memory card provided in the customer's mobile phone. And interworking and controlling at least one component provided in the payment terminal 500, and executing at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware. Memory (eg, a register and / or random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, and performing software-specific functions of the payment terminal 500. A predetermined program routine (Rou) which is loaded from the predetermined recording medium into the execution memory for processing by the processor. tine) and / or program data (hence, a predetermined program recorded on a recording medium provided in the payment terminal 500 for payment processing based on payment information stored in a memory card provided in the customer's mobile phone, and / or Among the functional components provided in the payment terminal 500, the components capable of being processed by software are illustrated in the controller 505.

According to the exemplary embodiment of the present invention, the control unit 505 outputs the components (eg, the memory unit 550, the card reader unit 510, the key input unit 520, and the screen) provided in the payment terminal 500. The payment terminal 500 interoperates with the communication unit 515, the communication processing unit 535, the security application module 540, the print output unit 545, and / or the terminal function unit (not shown) according to the intention of the person skilled in the art. By controlling and managing the provision of the electronic payment service defined in the) as well as interworking the components provided in the payment terminal 500 for the payment service using the memory card provided in the customer mobile phone according to the present invention It is preferable to execute a program recorded on a recording medium provided in the payment terminal 500 for the control and / or payment service using the memory card provided in the customer mobile phone.

The memory unit 550 input / output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal 500 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It includes one or more storage means, the control unit 505 is a predetermined program routine and program data required to perform a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to the exemplary embodiment of the present invention, the memory unit 550 performs payment according to a request of a customer, and stores merchant information on an affiliated store equipped with the payment terminal 500 and the payment through the payment terminal 500. It is preferable to store the processed payment history information.

In addition, the memory unit 550 may correspond to the product code information (eg, barcode information or RFID tag information) for at least one or more products sold by the merchant equipped with the payment terminal 500 and the product code. It is desirable to further store product information.

The customer receiving payment service using the memory card provided in the customer mobile phone according to the present invention through the payment terminal 500, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, and / or ISO / IEC Have (or own) a contact IC card (or wireless IC chip) based on the 7816 standard and / or at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard. The card reader 510 may provide an interface for reading at least one or more information or data included in the card.

According to the method of the present invention, the card reader unit 510 is an MS reader unit providing an interface between the MS card and the payment terminal 500, and / or the contact IC card and the payment terminal 500. It includes a contact IC reader unit for providing an interface, and / or a contactless IC reader unit for providing an interface between the contactless IC card and the payment terminal 500.

The MS reader unit is a card reader unit 510 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data to the payment terminal 500 from at least one or more tracks provided in the MS of the MS card by using the loaded.

The contact IC reader unit is a card reader unit 510 based on ISO / IEC 7816, and includes at least one contact point making electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Characterized in that the interface to the payment terminal 500.

The contactless IC reader unit is a card reader unit 510 based on ISO / IEC 14443. The contactless IC reader unit uses at least an electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and payment of predetermined information or data from the IC chip through the half duplex transaction using APDU It is characterized in that the interface to the terminal 500.

According to an embodiment of the present invention, the card reader unit 510 is provided with predetermined card information (eg, in a card) from at least one or more card reader units 510 for the electronic payment service defined in the payment terminal 500. Credit card, debit card, debit card, cash card, payment means information corresponding to the payment means including at least one or more) is preferably read, and also the memory card provided in the customer mobile phone according to the present invention It is preferable to read predetermined card information from at least one or more cards for the used payment service.

According to an embodiment of the present invention, the card information preferably comprises at least one of a card number, an expiration date information, and CVC (Card Verification Code) information.

The key input unit 520 is provided with at least one or more key buttons including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the payment terminal 500 controlled by the controller 505. When predetermined information (or signal) is input from a key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 505. The controller 505 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal 500, and / or defines a predetermined defined match with the key event. Characterized in that for obtaining a command to execute the function. The key input unit 520 and the key input device having at least one key button interwork with each other to perform a function of key input provided in the payment terminal 500.

The key input device interoperating with the key input unit 520 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to the exemplary embodiment of the present invention, the key input unit 520 may provide key data (eg, payment amount) corresponding to the electronic payment service from at least one or more key input devices for the electronic payment service defined in the payment terminal 500. It is preferable to perform the function of the key input means for receiving a), and also to use the memory card provided in the customer mobile phone from the key input device for the payment service using the memory card provided in the customer mobile phone according to the present invention. It is preferable to perform the function of the key input means for receiving at least one or more key data required in the payment service providing process.

According to the exemplary embodiment of the present invention, the key input device corresponding to the key input unit 520 may be configured in the customer mobile phone according to the present invention in an initial mode and / or a general payment mode of the operation mode of the payment terminal 500. It is desirable to have a key button for switching to a memory card payment mode for a payment service using a memory card.

The screen output unit 515 may be configured by the control unit 505 such as an LCD (Liquid Crystal Display) or a CRT in the process of the payment terminal 500 performing a predetermined function (for example, an electronic payment processing function). At least one information or data that is predefined or defined in real time to be output to a screen output device is output through a predefined interface screen, and the screen output unit 515 and the screen output device interoperate with each other. It performs the function of the screen output means provided in the payment terminal (500).

Predefined information or data to be output from the payment terminal 500 to the screen output device may include key data input through the key input unit 520 and / or components provided in the payment terminal 500. Information (or data) stored or generated by the information, information (or data) transmitted / received through the communication processing unit 535, and / or (or data) corresponding to a predetermined operation result performed by the payment terminal 500. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 515 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment terminal 500 It is preferable to perform the function of the output means, and also to the payment service using the memory card provided in the customer mobile phone to the screen output device for the payment service using the memory card provided in the customer mobile phone according to the present invention. It is preferable to perform the function of the screen output means for outputting the corresponding process screen.

The communication processing unit 535 may be a payment server that is connected through a payment network (eg, a value added network (VAN)) in the process of the payment terminal 500 performing a predetermined function (for example, an electronic payment processing function); And / or a communication session with a terminal (or device) connected to the payment terminal 500 through a predetermined cable and / or a terminal (or device) connected to the payment terminal 500 through a predetermined short distance wireless communication. It is characterized in that it provides a predetermined communication means for communicating with a predetermined terminal (or device) through a network communication unit for connecting a predetermined communication channel and a payment server on a wired or wireless network, and / or a predetermined cable communication port. A predetermined communication session is established with a predetermined short range communication terminal (or device) device through a cable communication unit for connecting a session, and / or at least one short range wireless communication means. It includes a short-range wireless communication unit for the connection, and comprises a communication protocol and / or driver for connecting the communication channel (or communication session) by software.

The network communication unit may include a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). Modem for connecting the payment server and the communication channel on the wired and wireless network through a predetermined wireless network including a wireless data communication network, the hardware for connecting the payment terminal 500 to a predetermined wired or wireless network (Modem) Or a network interface card (NIC), and includes a communication protocol and / or driver for software to connect the payment terminal 500 to the wired / wireless network.

The cable communication unit connects a cable communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)), and the cable is connected in hardware. It consists of a predetermined cable communication port, and comprises a communication protocol and / or driver for the cable communication in software.

Here, the terminal (or device) to which the cable communication session is connected through the cable communication unit preferably includes a predetermined point of sales (POS) terminal.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Ui-Fi), and Ultra Wide Band system (UWB). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session via at least one or more near-field wireless communication means, the hardware, the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It includes a predetermined short range wireless communication module for a short range wireless communication including, and comprises a communication protocol and / or driver for the short range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The Secure Application Module (540) is a confidentiality and / or authentication required by the payment terminal 500 in the process of performing the electronic payment and / or electronic payment using the card. And / or security requirements, including integrity and / or nonrepudiation, can be secured and trusted within the payment terminal 500 without using an authentication server (or payment server) on the payment network. As a safety device for performing the structure, the payment terminal 500 encrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, electronic payment and / or electronic payment function). Or decipher, add an authenticator to prevent forgery (or tampering) of the message, or store important information in the process of performing the security request function. It is characterized by performing a function.

In general, the security application module 540 is preferably composed of a predetermined security application module 540 inserter and the security application module 540 chip, the security application module 540 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 540 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the payment terminal 500 to perform a predetermined security request function ) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization) / Reprocessing / cancellation command).

The print output unit 545 may process the payment terminal 500 to perform a predetermined function (for example, an electronic payment processing function) and / or predetermined information or data generated as a result (for example, payment processing result information). Or data) to a predetermined printing device 530 (eg, a receipt printer), and to print the print information or data through the predetermined printing device 530 in accordance with a predefined printing form. It consists of a printing protocol and a driver.

Referring to Figure 5, the payment terminal 500 is a memory provided with the operation mode of the payment terminal 500 in order to provide a payment service using a memory card provided in the customer mobile phone according to the present invention The mode check unit 555 for checking a memory card payment mode corresponding to a payment service using a card, and the key input unit 520 when the operation mode of the payment terminal 500 is the memory card payment mode. Information input unit 560 for inputting payment information for a payment service using a memory card provided in the customer mobile phone from a predetermined key input means, and transmitting the input payment information to a memory card provided in the customer mobile phone; Receiving payment approval information from a payment requesting unit 565 for requesting payment and a payment server for processing the transmitted payment information through the communication processing unit 535. And a payment processing unit 570 for outputting the payment processing details included in the payment approval information received by the input means through the screen output unit 515 and / or printing the payment statement through the print output unit 545. Characterized in that made.

The mode checking unit 555 periodically performs an operation mode of the payment terminal 500 corresponding to a payment service using a memory card provided in the customer mobile phone (in response to the memory card payment mode switch key event). It is characterized by checking whether the memory card payment mode.

If the check result is that the operation mode of the payment terminal 500 is not the memory card payment mode, the payment terminal 500 performs a conventional electronic payment processing function.

On the other hand, when the operation mode of the payment terminal 500 is confirmed as the memory card payment mode, the payment terminal 500 outputs the memory card payment mode check result via the screen output unit 515 (of May be omitted depending on intent and purpose).

The information input unit 560 from the predetermined key input means through the key input unit 520 to process the electronic payment corresponding to the memory card payment mode for the payment service using the memory card provided in the customer mobile phone Characterized in that the payment information for the payment service using the memory card provided in the customer mobile phone, the input payment information is provided to the payment request unit 565.

In addition, the information input unit 560 is a barcode reader unit provided in the payment terminal 500 to process the electronic payment corresponding to the memory card payment mode for the payment service using the memory card provided in the customer mobile phone Bar code information (or RFID tag information) for a product for payment service using a memory card included in the customer's mobile phone is input from (not shown) (or RFID reader unit (not shown)), and the input barcode (or Payment information may be generated based on product information corresponding to RFID tag information).

In addition, the information input unit 560 is a predetermined key input means through the key input unit 520 to process the electronic payment corresponding to the memory card payment mode for the payment service using the memory card provided in the customer mobile phone Wireless terminal information for the customer mobile phone may be further inputted from.

The payment request unit 565 may request payment by transmitting the payment information input through the information input unit 560 to a memory card provided in the customer mobile phone.

In this case, when the payment information is transmitted to the memory card provided in the customer's mobile phone, the payment information is preferably transmitted through short-range wireless communication provided in the communication processor 535.

According to an embodiment of the present invention, the payment request unit 565 transmits the payment information to the memory card provided in the customer mobile phone, the payment information received from the memory card and the payment means provided in the memory card. It is preferable to generate payment approval request information based on the information and the unique information about the payment terminal 500 and transmit the payment approval request information to the payment server. In response, the payment server transmits the payment approval request information to the customer mobile phone. After performing a predetermined payment processing procedure for providing a payment service using the provided memory card, a payment processing history corresponding to any one of payment approval details or payment error details corresponding to the payment processing result is generated, and Generate predetermined payment approval information including payment processing details to the memory card provided in the customer mobile phone And transmits from the memory card to the payment terminal 500.

According to another embodiment of the present invention, the payment request unit 565 transmits the payment information to the memory card provided in the customer mobile phone, the payment information received from the memory card and the payment means stored in the memory card Generate payment approval request information based on the information and the unique information on the payment terminal 500, and transmit the payment approval request information to the payment terminal 500, and from the payment terminal 500 to the payment server through the communication processing unit 535. And in response thereto, the payment server performs a predetermined payment processing procedure for providing a payment service using a memory card provided in the customer mobile phone through the payment approval request information, and then the payment processing. Create a payment processing history corresponding to any of the payment approval history or payment error history corresponding to the result, and the payment processing history Generates predetermined payment approval information to be transmitted to the payment terminal 500.

According to another embodiment of the present invention, the payment request unit 565 transmits the payment information to the memory card provided in the customer mobile phone, the payment for payment processing for the received payment information from the memory card Extraction of the means information is transmitted to the payment terminal 500, payment approval request information based on the received payment means information, the payment information and the unique information about the payment terminal 500 in the payment terminal 500 Generate and transmit the payment approval request information to the memory card, wherein the memory card transmits the payment approval request information to a payment server. In response, the payment server requests the payment approval request information. After performing a predetermined payment processing procedure for providing a payment service using a memory card provided in the customer mobile phone through the, Generate payment processing details corresponding to any one of payment approval details or payment error details corresponding to the processing result, and generate predetermined payment approval information including the payment processing details to a memory card provided in the customer mobile phone. And transmits from the memory card to the payment terminal 500.

According to another embodiment of the present invention, the payment request unit 565 transmits the payment information to the memory card provided in the customer mobile phone, the payment for payment processing for the received payment information from the memory card Extraction of the means information is transmitted to the payment terminal 500, payment approval request information based on the received payment means information, the payment information and the unique information about the payment terminal 500 in the payment terminal 500 To generate and transmit to the payment server through the communication processing unit 535, in response to the payment server to provide a payment service using the memory card provided in the customer mobile phone through the payment approval request information After performing a predetermined payment processing procedure for the payment, the payment approval details or payment error details corresponding to the payment processing results Generating a payment processing history to, and transmits to produce a predetermined payment authorization information including the payment processing history to the billing terminal 500.

After the payment approval request information is transmitted to the payment server through the payment request unit 565, the payment processing unit 570 may correspond to the payment approval request information from the payment server through the communication processing unit 535. Periodically (or in response to an information receiving event of the communication processing unit 535), payment approval information including payment processing details is received.

If payment approval information including payment processing details corresponding to the payment approval request information is received through the communication processing unit 535, the payment processing unit 570 may include a payment processing history (eg, included in the payment approval information). Payment approval details, or payment error details) may be output through the screen output unit 515 or / or printed through the print output unit 545. The electronic payment procedure for the payment service using the memory card is completed.

Referring to Figure 5, the payment terminal 500 is a memory provided with the operation mode of the payment terminal 500 in order to provide a payment service using a memory card provided in the customer mobile phone according to the present invention A mode checking unit 555 for checking whether the memory card payment mode corresponds to a payment service using a card; and if the operation mode of the payment terminal 500 is the memory card payment mode, the key input unit 520. Input payment information for a payment service using a memory card provided in the customer's mobile phone through a predetermined key input means, request and receive the payment means information stored in the memory card provided in the customer's mobile phone, and then input the information. Before the payment approval request including at least one information input unit 560, the payment information and payment means information input through the information input unit 560 A full text generation unit 575 for generating a statement, a full text transmission unit 580 for transmitting the generated payment approval request full text to the payment server on the payment network through the communication processing unit 535, and the communication processing unit 535 Receives the payment approval message including the payment processing history corresponding to the payment approval request full text from the payment server on the payment network through the payment processing details included in the payment approval message through the screen output unit 515 And a professional processor 585 for outputting a screen and / or for printing through the print output unit 545.

The mode checking unit 555 periodically performs an operation mode of the payment terminal 500 corresponding to a payment service using a memory card provided in the customer mobile phone (in response to the memory card payment mode switch key event). It is characterized by checking whether the memory card payment mode.

If the check result is that the operation mode of the payment terminal 500 is not the memory card payment mode, the payment terminal 500 performs a conventional electronic payment processing function, while the operation mode of the payment terminal 500 is the When the memory card payment mode is confirmed, the mode confirmation unit 555 outputs the memory card payment mode confirmation result through the screen output unit 515 and then provides the information input unit 560 to the information input unit 560.

The information input unit 560 is a memory card provided in the customer mobile phone through the communication processing unit 535 to process the electronic payment corresponding to the memory card payment mode for the payment service using the memory card provided in the customer mobile phone Characterized in that the predetermined payment means information for payment service for the payment service using the memory card provided in the customer cell phone from the input, the input payment means information is provided to the full text generation unit 575.

In addition, the information input unit 560 is a predetermined key input means through the key input unit 520 to process the electronic payment corresponding to the memory card payment mode for the payment service using the memory card provided in the customer mobile phone Characterized in that to input the payment information for the payment service using the memory card provided in the customer mobile phone, the input payment information is provided to the full text generation unit 575.

The full text generation unit 575 generates a full text of the payment approval request including at least one of the payment information, the payment means information, and the unique information about the payment terminal 500 input through the information input unit 560. It characterized in that, and provides the generated payment approval request full text to the professional transmission unit (580).

The specialized transmission unit 580 transmits the payment approval request message generated by the specialty generation unit 575 to the payment server on the payment network through the communication processing unit 535. The payment server performs a predetermined payment processing procedure for providing a payment service using a memory card provided in the customer's mobile phone through the payment approval request message, and then the payment approval history or payment error corresponding to the payment processing result. A payment processing history corresponding to any one of the details is generated, and a predetermined payment approval text including the payment processing history is generated and transmitted to the payment terminal 500 through the payment network.

After the payment approval request message is transmitted to the payment server through the specialized transmission unit 580, the special processing unit 585 transmits the payment approval request message from the payment server on the payment network through the communication processing unit 535. Periodically (or in response to the full text reception event of the communication processing unit 535), a payment approval text including a payment processing history corresponding to the reception is received.

If the payment approval message including the payment processing history corresponding to the payment approval request message is received through the communication processor 535, the expert processing unit 585 may include a payment processing history (eg, included in the payment approval message). Payment approval details, or payment error details) may be output through the screen output unit 515 or / or printed through the print output unit 545. The electronic payment procedure for the payment service using the memory card is completed.

FIG. 6 is a diagram illustrating a functional configuration of a memory card 600 that provides a payment service using payment means information according to an embodiment of the present invention.

In more detail, FIG. 6 is a view illustrating an embodiment of a memory card 600 having a memory card payment mode for providing a payment service using payment means information stored on a memory, which is common in the art. Those skilled in the art will be able to infer the configuration of various memory card 600 functions for providing a payment service using the payment means information stored in the memory by referring to and / or modifying the present invention. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing to request a payment to a server in order to provide a payment service using payment means information stored in a memory. Although a method of transmitting payment approval request information and a method of generating and transmitting a payment approval request full text are illustrated and described in one drawing, the present invention is not limited thereto and only one method may be provided.

In addition, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 6, in addition to the SD (Secure Digital) memory card 600, the MiniSD memory card 600, MicroSD (T- Applicable to all memory cards 600, such as Flash) memory card (600), MMC memory card (600), Compact Flash (CF) memory card (600), Memory Stick, and eXtreme Digital (XD) memory card (600). It is possible, and the invention is not limited thereby.

Referring to FIG. 6, a memory card 600 having a memory card payment mode for a payment service using payment means information stored in a memory basically includes a control unit 610, a memory unit 685, and a communication processing unit 660. And a security application module 675 and a memory access control unit 680, and at least one terminal function unit (not shown) according to the intention of the skilled person.

The control unit 610 controls the overall operation of the memory card 600 in the functional configuration, manages the flow of information or data between each component, and performs payment processing based on payment information stored in the memory card provided in the customer's mobile phone. And interoperating and controlling at least one component provided in the memory card 600, and executing at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware. Memory (eg, a register and / or random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, and performing software-specific functions. A predetermined program which is loaded from the predetermined recording medium into the execution memory for processing by the processor A predetermined program including routines and / or program data (hence, recorded on a recording medium provided in the memory card 600 for payment processing based on payment information stored in the memory card provided in the customer's mobile phone, and And / or a component capable of being processed by software among the functional components included in the memory card 600, which is provided in the controller 610).

According to an exemplary embodiment of the present invention, the controller 610 may access a component (eg, the memory unit 685, the communication processor 660, the security application module 675, and the memory access provided in the memory card 600). Controlling and managing the electronic payment service defined in the memory card 600 by interworking a control beam and / or a terminal function unit (not shown) according to the intention and purpose of those skilled in the art, as well as the present invention, For the payment service using the payment means information stored on the memory according to the mutual control of the components provided in the memory card 600, and / or the payment service using the payment means information stored on the memory For this purpose, it is preferable to execute a program recorded on a recording medium provided in the memory card 600.

The memory unit 685 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the memory card 600 is performed. General term of non-volatile memory for storing information or data), and includes at least one or more storage means including EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) in hardware. Predetermined program routines and program data (eg, data input or outputted to perform a predetermined function by the program routine) required for the control unit 610 to perform a predetermined control function are stored.

According to an embodiment of the present invention, the memory unit 685 may include at least one payment means information for providing a payment service using the memory card 600 and a memory for the memory card 600 according to a request of a customer. Card 600 information, merchant information (or merchant terminal information) to be set when a target merchant is to be specified when providing a payment service using the memory card 600, and a usage condition corresponding to a specified use condition for each payment method. It is preferable that the information and at least one device information for limiting the device on which the memory is mounted.

The memory unit 685 may further store deactivation setting information for the stored payment means.

The communication processor 660 is a terminal (or device) connected to the memory card 600 through a predetermined short range wireless communication while the memory card 600 performs a predetermined function (for example, an electronic payment processing function). ) And a predetermined wireless communication processing unit 670 for connecting a communication session, and a wired communication processing unit 665 for connecting a communication channel for the device on which the memory card 600 is mounted.

The wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), WLAN (Wireless LAN), Wi-Fi (Wi-Fi), UWB (Ultra Wide Band system) Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It includes a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or driver for the short range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The Secure Application Module (675) is a confidentiality and / or authentication required by the memory card 600 to perform electronic payment and / or electronic payment using the card. And / or secure and reliable architecture within the memory card 600 without using an authentication server (or server) on a payment network, including security requirements, including integrity and / or nonrepudiation, etc. As a safety device for performing the operation, the memory card 600 encrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, an electronic payment and / or an electronic payment function). It adds an authenticator that decrypts, prevents forgery (or tampering) of the message, or extracts important information important in performing the security request function. It is characterized by performing a function of storing.

In general, the security application module 675 is preferably composed of a predetermined security application module 675 inserter and the security application module 675 chip, the security application module 675 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 675 may include at least one or more security application data (eg, at least one or more identifiers, versions, expiration dates, issue dates, code values, etc.) required for the memory card 600 to perform a predetermined security request function. ) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization) / Reprocessing / cancellation command).

The print output unit prescribes predetermined information or data (e.g., payment processing result information or data) generated as a result of the memory card 600 performing a predetermined function (e.g., an electronic payment processing function) and / or as a result. And a printing protocol and a driver for printing the print information or data through a predetermined printing device in accordance with a predefined printing form.

Referring to FIG. 6, the memory card 600 requests and confirms an authentication for the payment service to provide a payment service using the payment means information stored on the memory according to the present invention. It characterized by comprising a.

Authentication request and confirmation for the payment service according to an embodiment of the present invention, the program request for the authentication information input (or selection) to the terminal equipped with the memory card 600, and the drive in the terminal After receiving the authentication information input (or selected) through the program, it is preferable to check the authentication of the received authentication information.

Authentication request and confirmation for the payment service according to another embodiment of the present invention, a program capable of inputting (or selecting) authentication information through an operation of the terminal equipped with the memory card, and through the driven program It is preferable to check the authentication of the authentication information by receiving authentication information input (or selected).

Referring to FIG. 6, the memory card 600 includes an information confirming unit 620 for confirming payment means information stored on the memory unit 685, and a terminal providing the confirmed payment means information and payment information. An information generation unit 625 for generating payment approval request information based on the received payment information, and the generated payment approval request information through the communication processing unit 660 through the terminal equipped with the memory card 600. And a payment processing unit 630 which receives the payment approval result information and completes a payment process when the server which has received the payment approval request information is transmitted to a server and the server which has received the payment approval request information is transmitted. It is characterized by comprising.

The information confirming unit 620 confirms payment means information stored on the memory unit 685, and the confirmed payment means information is provided to the information generating unit 625.

Here, the payment means information is preferably stored on the secure memory area on the memory unit 685, in order to check the payment means information stored on the secure memory area, in conjunction with the memory access control unit 680 It is advisable to follow a separate memory approach.

The information generation unit 625 generates payment approval request information based on the payment information received from the terminal providing the payment information and the confirmed payment means information, and the payment approval request information generated Is provided to the payment processing unit 630.

Here, the payment information received from the terminal providing the payment information is preferably received from the terminal through short-range wireless communication.

The payment processing unit 630 transmits the payment approval request information generated by the information generation unit 625 to the server on the payment network through the communication processing unit 660, the server correspondingly After performing a predetermined payment processing procedure for providing a payment service using payment means information stored in the memory through the payment approval request information, one of payment approval details or payment error details corresponding to the payment processing result. Generates payment processing details corresponding to the data, generates predetermined payment approval result information including the payment processing details, and transmits the generated payment approval information to the memory card 600 through the payment network.

After the payment approval request information is transmitted to the server through the payment processing unit 630, the payment processing unit 630 receives payment corresponding to the payment approval request information from a server on the network through the communication processing unit 660. Periodically (or in response to the information receiving event of the communication processing unit 660) whether the payment approval result information including the processing history is received.

If payment approval result information including payment processing details corresponding to the payment approval request information is received through the communication processing unit 660, the payment processing unit 630 includes payment processing details included in the payment approval result information. (Eg, payment approval details or payment error details) may be stored on the memory unit 685 or output through an output device provided in the terminal on which the memory card 600 is mounted.

Referring to FIG. 6, the memory card 600 includes an information confirming unit 620 for confirming payment means information stored on the memory unit 685, and a terminal providing the confirmed payment means information and payment information. A full text generation unit 635 for generating a full text of the payment approval request based on the received payment information, and a full text transmission unit 640 for transmitting the generated full text of the payment approval request to the server on the network through the communication processing unit 660. And a professional processing unit 645 for receiving a payment approval result message including a payment processing history corresponding to the full payment approval request message from the server on the network through the communication processing unit 660 to complete the payment processing. It is characterized by.

The information confirming unit 620 confirms payment means information stored on the memory unit 685, and the confirmed payment means information is provided to the information generating unit 625.

Here, the payment means information is preferably stored on the secure memory area on the memory unit 685, in order to check the payment means information stored on the secure memory area, in conjunction with the memory access control unit 680 It is advisable to follow a separate memory approach.

The full text generation unit 635 generates a full text of the payment approval request request including at least one payment information received from the terminal providing the payment information and the verified payment means information, and the generated payment The full text of the approval request is provided to the specialized transmission unit 640.

Here, the payment information received from the terminal providing the payment information is preferably received from the terminal through short-range wireless communication.

The specialized transmission unit 640 transmits the payment approval request full text generated by the professional generation unit 635 to a server on a network through the communication processing unit 660. After performing a predetermined payment processing procedure for providing a payment service using the payment means information stored in the memory through the payment approval request message, one of payment approval details or payment error details corresponding to the payment processing result. Generates a payment processing history corresponding to the present invention, generates a predetermined payment approval result text including the payment processing history, and transmits the generated text to the memory card 600 through the network.

After the payment approval request message is transmitted to the server through the specialized transmission unit 640, the specialized processing unit 645 responds to the payment approval request message from the server on the payment network through the communication processing unit 660. Periodically (or in response to the full text reception event of the communication processing unit 660), the full text of the payment approval result including the payment processing history is received.

If the payment approval message including the payment processing history corresponding to the payment approval request message is received through the communication processing unit 660, the expert processing unit 645 may include the payment processing details included in the payment approval message (for example, Payment approval details, or payment error details) is preferably stored on the memory unit 685, or output through the output device provided in the terminal equipped with the memory card 600.

Referring to FIG. 6, the memory card 600 communicates with an adjacent payee memory card 600 in association with the communication processor 660 to confirm payee account information, and the payment stored on the memory 685. Information confirmation unit 620 for confirming the account information, the payee account information and the payer account information, the transfer amount information provided by the terminal equipped with the memory card 600, and the transfer processing to the payee account; An information generation unit 625 for generating financial transaction request information including authentication information for transmitting the information, and transmitting the generated financial transaction request information to a server on a network through a terminal equipped with the memory card 600. The memory 650 and a server on the network process a financial transaction corresponding to the financial transaction request information, and generate financial transaction result information corresponding to the memory. When de transferred to the memory card 600 through the 600, the mounting terminal, characterized in that formed by an information reception section 655 for receiving the financial transaction result information.

The information checking unit 620 receives the payee account information provided in the payee memory card 600 from the payee memory card 600 adjacent to the memory card 600, and the payment stored on the memory unit 685. It is characterized in that the check account information, the confirmed payee account information and payer account information is provided to the information generation unit 625.

Here, the payer account information is preferably stored in a secure memory area on the memory unit 685, and in order to confirm the payer account information stored on the secure memory area, It is desirable to check in accordance with a separate memory approach in conjunction.

In addition, it is preferable to include a step of confirming the authentication for providing the payee account information at the terminal side provided with the memory card 600 for transmitting the payee account information.

In addition, the transfer amount information can be further provided from the memory card 600 of the addressee side, thereby the present invention is not limited.

The information generation unit 625, when the confirmed payee account information, the payer account information and the transfer amount information is confirmed, further checks the authentication information for the transfer process based on this to generate a financial transaction request information, characterized in that The generated financial transaction request information is provided to the information transmitter 650.

According to an embodiment of the present invention, the authentication information is information for securing the validity of at least one or more of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction. Characterized in that it comprises at least one password corresponding to the payer financial account, or a password corresponding to the financial transaction.

In addition, the authentication information further comprises at least one or more security code information provided on the security card provided to the customer in the process of opening the payer financial account, and / or OTP (One Tome Password) generator provided to the customer It is preferably made further comprising an OTP code generated through.

The information transmitter 650 transmits the generated financial transaction request information to a server on a network through a terminal equipped with the memory card 600.

The server receiving the financial transaction request information processes a financial transaction corresponding to the financial transaction request information, generates financial transaction result information corresponding thereto, and generates a memory card through a terminal equipped with the memory card 600. When transmitting to 600, the information receiving unit 655 is characterized in that for receiving the financial transaction result information.

Referring to FIG. 6, when the unique information (or merchant information) of the terminal is received from the terminal requesting payment using a payment means provided in the memory card 600, the received memory card 600 is received. And an information checking unit 620 for confirming payment means information corresponding to the unique information (or affiliated store information), and it is preferable to process the checked payment means to be used in the payment processing process.

According to an embodiment of the present invention, the payment means information confirmation corresponding to the received unique information (or affiliated store information) is information that matches the received unique information (or affiliated store information) in association with the memory unit 685. Check and check the stored payment means information in connection with the identified unique information (or merchant information).

If the payment means information for the unique information (or merchant information) is confirmed, it is preferable to process the confirmed payment means to be used in the payment processing process.

That is, after processing the payment means identified from the plurality of payment means provided in the memory card 600 to be activated, and processing to be deactivated again when the payment processing is completed through the activated payment means It is preferable.

Here, in addition to confirming the payment means corresponding to the unique information (or merchant information), the payment means may be processed according to the payment information, and the present invention is not limited thereto.

For example, if the payment amount is less than 10,000, debit card payment means, if more than 10,000 credit card payment means to be used, or transportation charges are applied to the credit card payment means is applied to the general payment process to use the debit card payment means. It is possible.

If a request for changing / canceling / deleting payment means for each stored unique information (or affiliated store information) is received, it is possible to change / cancel / delete based on this, and thus the present invention is not limited thereto.

Referring to FIG. 6, the memory card 600 confirms unique information about a terminal on which the memory card 600 is mounted, and determines whether the identified unique information is a terminal capable of mounting the memory card 600. It is characterized by comprising an information confirmation unit 620 to confirm.

According to an embodiment of the present invention, the identification of the unique information of the terminal on which the memory card 600 is mounted may include checking the unique information on the terminal by accessing a memory of the terminal on which the memory card 600 is mounted. It is preferable.

According to another exemplary embodiment of the present invention, the identification of the unique information of the terminal on which the memory card 600 is mounted includes requesting the unique information from the terminal on which the memory card 600 is mounted, and receiving the received unique information. It is preferable to check the unique information for the terminal 600 is mounted.

If the unique information on the terminal on which the memory card 600 is mounted is confirmed, it is preferable to check whether the identified unique information is a terminal on which the memory card 600 is mounted to provide a payment service. Do.

7 is a diagram illustrating a process of providing a payment service using a memory card 797 provided in a customer mobile phone according to an exemplary embodiment of the present invention.

In more detail, FIG. 7 illustrates a payment terminal 796 having a payment mode of a memory card 797 for a payment service using a memory card 797 provided in a customer mobile phone, and a memory card having a short-range wireless communication function. 797, a memory card 797 provided in the customer mobile phone through a customer mobile phone equipped with the memory card 797, and a financial transaction server 799 that connects the communication channel with the customer mobile phone and processes a financial transaction. As a process of providing a payment service using the present invention, a person having ordinary knowledge in the art to which the present invention pertains may use the memory card 797 provided in the customer's mobile phone by referring to and / or modifying the drawing 7. Various implementation methods for the process of providing a payment service may be inferred, but the technical features of the present invention are not limited to this drawing, but all the inferred implementations Note that it includes the method.

For example, those skilled in the art to which the present invention pertains may change some orders of the process of providing a payment service using the memory card 797 provided in the customer's mobile phone by referring to and / or modifying the drawing 7. The present invention is not limited thereto.

Referring to FIG. 7, the payment terminal 796 inputs (or selects) payment information through the output payment information input interface (700), and correspondingly inputs (or selects) through the payment information input interface. The payment information is transmitted to the memory card 797 through near field communication (705).

Here, in addition to the payment information, the mobile phone (that is, the mobile phone equipped with the memory card 797) information may be further input through the output payment information input interface, and the input customer mobile phone information may be stored in the memory card 797. Is sent to.

Thereafter, the memory card 797 checks the unique information of the financial transaction terminal 798 on which the memory card 797 is mounted, and the identified unique information is stored in the memory card 797 ( It is checked whether or not 797 is pre-registered as a device to be mounted (707).

According to the exemplary embodiment of the present invention, the identification of the unique information on the financial transaction terminal 798 is performed by requesting and receiving the unique information from the memory card 797 to the financial transaction terminal 798. 798 it is desirable to confirm the unique information.

According to another exemplary embodiment of the present invention, the identification of the unique information on the financial transaction terminal 798 may be performed by accessing the memory provided in the financial transaction terminal 798 directly from the memory card 797. It is desirable to check the terminal unique information for (798).

If the unique information about the financial transaction terminal 798 is confirmed, it is preferable to check whether the identified unique information matches the device information loaded on the memory card 797 stored on the memory card 797. .

If it is confirmed that the identified unique information is pre-registered as a device on which the memory card 797 stored in the memory card 797 is to be mounted (708), the memory card 797 is the payment terminal 796. In order to request the VM (Virtual Machine) execution by transmitting the payment information transmitted from the customer's mobile phone (710), to provide a payment service using the memory card (797) provided in the customer's mobile phone for the transmitted payment information Request for authentication (ie, password entry) (715).

If the customer who checks the payment information output through the executed VM inputs a password for authentication of payment (720), the customer inputs the password to the memory card 797 (725). The memory card 797 checks the authentication of the received password (730).

If the authentication of the received password is not confirmed (735), the memory card 797 generates (or extracts) authentication confirmation error information of the received password and transmits it to the payment terminal 796. And, through the payment terminal 796 outputs the authentication confirmation error information for the password.

In addition, the memory card 797 may generate (or extract) authentication confirmation error information about the received password, transmit it to the customer's mobile phone, output the request, and request to re-enter the password, and the predetermined number of times or more. If a password input error occurs, the payment function for the memory card 797 is not provided.

On the other hand, if the authentication for the password received from the customer mobile phone is confirmed (735), the memory card 797 checks the customer payment account information stored on the memory card (797) (740).

If the customer payment account information stored on the memory card 797 is not confirmed (745), the memory card 797 confirms the customer payment account stored on the memory card 797 by the payment terminal 796. Error information is generated (or extracted) and transmitted to the payment terminal 796 for processing.

On the other hand, if the customer payment account information stored on the memory card 797 is confirmed (745), the memory card 797 is based on the received payment information and the confirmed customer payment account information based on the payment approval request information In operation 750, the payment approval request information is transmitted to the customer mobile phone (755) and processed to be transmitted to the payment server (760).

According to an embodiment of the present invention, the payment information is transmitted to the memory card 797 provided in the customer mobile phone through the payment request unit, and the received payment information and the memory card 797 from the memory card 797. And generating payment approval request information based on the payment means information provided in the payment server, and transmitting the payment approval request information to the payment server. After performing a predetermined payment processing procedure for providing a payment service using 797), a payment processing history corresponding to one of payment approval details or payment error details corresponding to the payment processing result is generated, and the payment processing is performed. Generate predetermined payment approval information including the details and transmit the generated payment approval information to the memory card 797 provided in the customer mobile phone. In the memory card (797) and transmits it to the payment terminal (796).

According to another exemplary embodiment of the present invention, payment information is transmitted to the memory card 797 provided in the customer mobile phone through the payment request unit, and the received payment information and the memory card 797 from the memory card 797. Generate payment approval request information based on the payment means information stored in the transmission information) and transmit the payment approval request information to the payment terminal 796, and transmit the payment terminal 796 to the payment server through the communication processor. The payment server performs a predetermined payment processing procedure for providing a payment service using the memory card 797 provided in the customer mobile phone through the payment approval request information, and then the payment approval corresponding to the payment processing result. Generate a payment processing history corresponding to any of the details or payment error history, and the predetermined payment approval including the payment processing history The information is generated and transmitted to the payment terminal 796.

According to another exemplary embodiment of the present invention, payment information is transmitted to the memory card 797 provided in the customer mobile phone through the payment request unit, and the payment process for the received payment information is performed by the memory card 797. Extract payment means information for the payment to the payment terminal (796), and generates payment approval request information based on the payment means information and the payment information received from the payment terminal (796), the generated payment approval The request information is transmitted to the memory card 797 so that the memory card 797 transmits the payment approval request information to a payment server. In response, the payment server transmits the payment approval request information through the payment approval request information. After performing a predetermined payment processing procedure for providing a payment service using the memory card 797 provided in the customer's mobile phone, the payment processing result is returned. Generate payment processing details corresponding to any one of payment approval details or payment error details, and generate predetermined payment approval information including the payment processing details to the memory card 797 provided in the customer mobile phone; The memory card 797 transmits the payment terminal 796 to the payment terminal 796.

According to another exemplary embodiment of the present invention, payment information is transmitted to the memory card 797 provided in the customer mobile phone through the payment request unit, and the payment process for the received payment information is performed by the memory card 797. Extract payment method information for the payment terminal 796 and transmit the payment method information to the payment terminal 796, and generate payment approval request information based on the payment method information and the payment information received by the payment terminal 796 and pay through the communication processor. Characterized in that it transmits to a server, and in response, the payment server performs a predetermined payment processing procedure for providing a payment service using the memory card 797 provided in the customer mobile phone through the payment approval request information. Thereafter, a payment processing history corresponding to one of payment approval details or payment error details corresponding to the payment processing result is generated. The predetermined payment approval information including the payment processing details is generated and transmitted to the payment terminal 796.

Thereafter, the payment server checks the validity of the received payment approval request information (765).

According to the implementation method of the present invention, the validity check of the financial transaction request information is finance corresponding to the payment means information (ie customer payment account information) included in the financial transaction request information in the ledger D / B on the financial system It is preferable to include checking whether an account ledger (or a customer ledger corresponding to the customer payment account) is provided for the account, and the account ledger (or a customer ledger corresponding to the customer payment account) is provided. In this case, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity of the financial transaction request information is the amount deposited in the customer payment account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the customer payment account) is the financial transaction request information It is preferable to include whether the amount is greater than the payment amount contained in, and if the balance of the customer payment account is greater than the payment amount is preferably validated the validity of the financial transaction request information.

In addition, the validity check of the financial transaction request information is based on the account ledger provided in the ledger D / B on the financial system in response to various passwords and the customer payment account corresponding to the transaction authentication information included in the financial transaction request information. And comparing the various passwords corresponding to the transaction authentication information with each other, and comparing the various passwords corresponding to the transaction authentication information. It is desirable that the validity of the request information be authenticated.

In addition, when the transaction authentication information further includes predetermined security code information, the validity of the financial transaction request information is checked in the ledger D / B on the financial system in response to the security code information and the customer payment account. And comparing the security code information corresponding to the security card included on (or associated with) the account ledger with the security account, and checking whether the security code information corresponding to the transaction authentication information is matched. When the security code information corresponding to the authentication information is matched, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity check of the financial transaction request information is based on the OTP generation information matching the OTP code and the OTP generator paid to the customer predetermined OTP And generating an authentication code, comparing the OTP code with the OTP authentication code, and checking whether the OTP code corresponding to the transaction authentication information matches the OTP authentication code. When the corresponding OTP code matches the OTP authentication code, the validity of the financial transaction request information is preferably authenticated.

In addition, when the financial transaction request information is encrypted through a predetermined encryption key (for example, an encryption key provided in the financial transaction terminal 798, or an encryption key included in an authorized certificate issued to a customer), the financial transaction request information Validation of the is preferably performed by decrypting the encrypted financial transaction request information (or at least one or more financial transaction information included in the financial transaction request information), and confirming that the decryption is normally performed, the decryption When is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, when the electronic signature of the customer is attached to the financial transaction request information through a predetermined private key (eg, an encryption key including an accredited certificate issued to the customer), the validity check on the financial transaction request information may be performed. Preferably, the electronic signature of the customer is verified with respect to the signed financial transaction request information (or at least one or more financial transaction information included in the financial transaction request information). In this case, it is preferable that the validity of the financial transaction request information is authenticated.

If the validity of the received payment approval request information is not confirmed (770), the payment server generates (or extracts) validation error information about the received payment approval request information through the customer mobile phone. Transfer to memory card 797 and / or transfer to payment terminal 796.

On the other hand, if the validity of the received payment approval request information is confirmed (770), the payment server is the amount (or withdrawable amount) deposited in the customer payment account included in the received payment approval request information is the payment approval If more than the payment amount included in the request information, the payment approval for the received payment approval request is processed (775).

According to an embodiment of the present invention, the payment means confirmation unit uses the payment means information included in the payment approval request information as a keyword to search / search the account ledger stored in the ledger D / B on the financial system, the payment approval It is preferable to check whether the payment means information included in the request information is valid payment means information by searching / searching the account ledger stored in the ledger D / B on the financial system.

According to an embodiment of the present invention, when the payment means corresponding to the confirmed payment means information comprises a wire transfer payment means, the payment server is the payment means from the account ledger stored in the ledger D / B on the financial system By checking the deposit (or withdrawable amount) for the customer's payment account corresponding to and comparing the confirmed deposit (or withdrawable amount) with the payment amount, the memory card 797 provided in the customer's mobile phone is provided. Characterized in that the payment approval for the payment amount.

If payment approval processing for the received payment approval request information is completed (780), the payment server generates a payment processing history including payment approval information according to the payment approval processing (785), and the payment processing The payment approval result information including the details is transmitted to the customer mobile phone (790), and processed to be provided to the memory card (797) (795), and / or to be transmitted to the payment terminal (796).

8 is a diagram illustrating a process of providing a payment service using a memory card 896 included in a customer mobile phone according to another exemplary embodiment of the present invention.

In more detail, FIG. 8 illustrates a payment terminal having a memory card 896 payment mode for a payment service using a memory card 896 provided in a customer mobile phone, a memory card 896 having a short-range wireless communication function, and Payment using a memory card 896 provided in the customer's mobile phone through a customer mobile phone equipped with the memory card 896 and a communication channel connected to the customer mobile phone and a financial transaction server 898 for processing a financial transaction. As a process of providing a service, a person of ordinary skill in the art to which the present invention pertains refers to a payment service using a memory card 896 provided in the customer's mobile phone by referring to and / or modifying the drawing of FIG. Various implementation methods for the providing process may be inferred, but the technical features of the present invention are not limited to the drawing 8, but all implementations inferred Bayida found that putting that includes.

For example, those skilled in the art to which the present invention pertains may change some orders of the process of providing a payment service using the memory card 896 included in the customer's mobile phone by referring to and / or modifying the drawing 8. The present invention is not limited thereto.

Referring to FIG. 8, the payment terminal inputs (or selects) payment information through the output payment information input interface (800), and correspondingly inputs (or selects) payment information through the payment information input interface. The memory card 896 transmits the data to the memory card 896 through short-range wireless communication (805).

Here, in addition to the payment information through the output payment information input interface, the customer mobile phone (that is, the mobile phone equipped with the memory card 896) may be further input, the input customer mobile phone information is the memory card 896 Is sent to.

Thereafter, the memory card 896 checks the unique information of the financial transaction terminal 895 in which the memory card 896 is mounted, and the identified unique information is stored in the memory card 896 ( It is checked whether or not 896 is pre-registered as a device to be mounted (807).

According to the exemplary embodiment of the present invention, the identification of the unique information on the financial transaction terminal 895 is performed by requesting and receiving the unique information from the memory card 896 to the financial transaction terminal 895, thereby providing the financial transaction terminal ( 895, it is desirable to confirm the unique information.

According to another exemplary embodiment of the present invention, the identification information of the financial transaction terminal 895 may be accessed by accessing the memory provided in the financial transaction terminal 895 directly from the memory card 896. It is preferable to check the terminal unique information for 895).

If the unique information about the financial transaction terminal 895 is confirmed, it is preferable to check whether the identified unique information matches the device information of the memory card 896 mounted on the memory card 896. .

If it is confirmed that the identified unique information is pre-registered as a device on which the memory card 896 stored in the memory card 896 is to be mounted (808), the memory card 896 is transmitted from the payment terminal. Request for VM (Virtual Machine) execution by transmitting the payment information to the customer's mobile phone (810), payment authentication (i.e., to provide a payment service using the memory card 896 provided in the customer's mobile phone for the transmitted payment information) Enter a password) (815).

If the customer who checks the payment information output through the executed VM inputs a password for payment authentication (820), the customer inputs the password to the memory card 896 (825), and responds thereto. The memory card 896 confirms the authentication of the received password (830).

If the authentication of the received password is not confirmed (835), the memory card 896 generates (or extracts) authentication confirmation error information of the received password and transmits it to the payment terminal. It outputs the authentication confirmation error information for the password through the payment terminal.

In addition, the memory card 896 may generate (or extract) authentication confirmation error information about the received password, transmit the output to the customer mobile phone, output the request, and request to re-enter the password. If a password input error occurs, the payment function for the memory card 896 is not provided.

On the other hand, if the authentication for the password received from the customer mobile phone is confirmed (835), the memory card 896 checks the customer payment account information stored on the memory card (896) (840).

If the customer payment account information stored on the memory card 896 is not confirmed (845), the memory card 896 sends the customer payment account confirmation error information stored on the memory card 896 to the payment terminal. It is generated (or extracted) and transmitted to the payment terminal for processing.

On the other hand, if the customer payment account information stored on the memory card 896 is confirmed (845), the memory card 896 transfers the confirmed customer payment account information to the merchant terminal 897 through a short-range wireless communication network. Send (850).

Thereafter, the payment terminal generates payment approval request information based on the received customer payment account information and payment information (855), and transmits the generated payment approval request information to the payment server (860).

According to an embodiment of the present invention, the payment information is transmitted to the memory card 896 included in the customer mobile phone through the payment request unit, and the received payment information and the memory card 896 from the memory card 896. And generating payment approval request information based on the payment means information provided in the payment server, and transmitting the payment approval request information to the payment server. After performing a predetermined payment processing procedure for providing a payment service using 896, a payment processing history corresponding to one of payment approval details or payment error details corresponding to the payment processing result is generated, and the payment processing is performed. Generates predetermined payment approval information including the details and transmits the generated payment approval information to the memory card 896 included in the customer mobile phone. In the memory card 896 and transmits it to the payment terminal.

According to another exemplary embodiment of the present invention, payment information is transmitted to the memory card 896 included in the customer mobile phone through the payment request unit, and the received payment information and the memory card 896 from the memory card 896. The payment approval request information is generated based on the payment means information stored in the) and transmitted to the payment terminal, and the payment terminal transmits to the payment server through the communication processing unit, the payment server correspondingly After performing a predetermined payment processing procedure for providing a payment service using the memory card 896 included in the customer's mobile phone through payment approval request information, among the payment approval details or payment error details corresponding to the payment processing result. Generate payment processing history corresponding to any one, and the predetermined payment approval information including the payment processing history It generates and transmits to the payment terminal.

According to another exemplary embodiment of the present invention, payment information is transmitted to the memory card 896 included in the customer mobile phone through the payment request unit, and payment processing for the received payment information is performed in the memory card 896. Extract payment means information for the payment terminal and generate payment approval request information based on the received payment means information and the payment information, and transmit the generated payment approval request information to the memory card; The memory card 896 transmits the payment approval request information to a payment server by transmitting the information to the payment server. In response, the payment server stores the memory provided in the customer mobile phone through the payment approval request information. After performing a predetermined payment processing procedure for providing a payment service using the card 896, the payment processing result corresponding to Generate payment processing details corresponding to any one of the approval details or payment error details, generate predetermined payment approval information including the payment processing details, and transmit the predetermined payment approval information to the memory card 896 included in the customer mobile phone; The memory card 896 transmits the payment terminal.

According to another exemplary embodiment of the present invention, payment information is transmitted to the memory card 896 included in the customer mobile phone through the payment request unit, and payment processing for the received payment information is performed in the memory card 896. Extracts payment means information for the payment terminal and transmits it to the payment terminal, and generates payment approval request information based on the received payment means information and the payment information and transmits the payment approval information to the payment server through the communication processor; In response, the payment server performs a predetermined payment processing procedure for providing a payment service using the memory card 896 included in the customer mobile phone through the payment approval request information, and then the payment processing result. Generate payment processing details corresponding to any one of payment approval details or payment error details corresponding to Generating a predetermined payment authorization information including the processing history, and transmits to the payment terminal.

Thereafter, the payment server checks the validity of the received payment approval request information (865).

According to the implementation method of the present invention, the validity check of the financial transaction request information is finance corresponding to the payment means information (ie customer payment account information) included in the financial transaction request information in the ledger D / B on the financial system It is preferable to include checking whether an account ledger (or a customer ledger corresponding to the customer payment account) is provided for the account, and the account ledger (or a customer ledger corresponding to the customer payment account) is provided. In this case, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity of the financial transaction request information is the amount deposited in the customer payment account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the customer payment account) is the financial transaction request information It is preferable to include whether the amount is greater than the payment amount contained in, and if the balance of the customer payment account is greater than the payment amount is preferably validated the validity of the financial transaction request information.

In addition, the validity check of the financial transaction request information is based on the account ledger provided in the ledger D / B on the financial system in response to various passwords and the customer payment account corresponding to the transaction authentication information included in the financial transaction request information. And comparing the various passwords corresponding to the transaction authentication information with each other, and comparing the various passwords corresponding to the transaction authentication information. It is desirable that the validity of the request information be authenticated.

In addition, when the transaction authentication information further includes predetermined security code information, the validation of the financial transaction request information is provided in the ledger D / B on the financial system corresponding to the security code information and the customer payment account And comparing the security code information corresponding to the security card included on (or linked with) the account ledger, and checking whether the security code information corresponding to the transaction authentication information is matched. When the security code information corresponding to the information is matched, the validity of the financial transaction request information is preferably authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity check of the financial transaction request information is based on the OTP generation information matching the OTP code and the OTP generator paid to the customer predetermined OTP And generating an authentication code, comparing the OTP code with the OTP authentication code, and checking whether the OTP code corresponding to the transaction authentication information matches the OTP authentication code. When the corresponding OTP code matches the OTP authentication code, the validity of the financial transaction request information is preferably authenticated.

In addition, when the financial transaction request information is encrypted through a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 895, or an encryption key included in an authorized certificate issued to a customer), the financial transaction request information Validation of the is preferably performed by decrypting the encrypted financial transaction request information (or at least one or more financial transaction information included in the financial transaction request information), and confirming that the decryption is performed normally, When decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, when the electronic signature of the customer is attached to the financial transaction request information through a predetermined private key (eg, an encryption key including an accredited certificate issued to the customer), the validity check on the financial transaction request information may be performed. Preferably, the electronic signature of the customer is verified with respect to the signed financial transaction request information (or at least one or more financial transaction information included in the financial transaction request information). In this case, it is preferable that the validity of the financial transaction request information is authenticated.

If the validity of the received payment approval request information is not confirmed (870), the payment server generates (or extracts) validation error information for the received payment approval request information through the customer mobile phone. Transfer to the memory card 896 and / or to the payment terminal.

On the other hand, if the validity of the received payment approval request information is confirmed (870), the payment server is the amount (or withdrawable amount) deposited in the customer payment account included in the received payment approval request information is the payment approval If more than the payment amount included in the request information, the payment approval for the received payment approval request is processed (875).

According to an embodiment of the present invention, the payment means confirmation unit uses the payment means information included in the payment approval request information as a keyword to search / search the account ledger stored in the ledger D / B on the financial system, the payment approval It is preferable to check whether the payment means information included in the request information is valid payment means information by searching / searching the account ledger stored in the ledger D / B on the financial system.

According to an embodiment of the present invention, when the payment means corresponding to the confirmed payment means information comprises a wire transfer payment means, the payment server is the payment means from the account ledger stored in the ledger D / B on the financial system By confirming a deposit (or withdrawable amount) for the customer's payment account corresponding to and comparing the confirmed deposit (or withdrawable amount) with the payment amount, the memory card 896 provided in the customer's mobile phone. Characterized in that the payment approval for the payment amount.

If the payment approval processing for the received payment approval request information is completed (880), the payment server generates a payment processing history including payment approval information according to the payment approval processing (885), and the payment processing The payment approval result information including the details is transmitted to the payment terminal (890), and / or to the customer mobile phone, and processed to be provided to the memory card (896).

9 is a diagram illustrating a process of providing a payment service using a memory card 997 provided in a customer mobile phone according to an exemplary embodiment of the present invention.

In more detail, FIG. 9 illustrates a payment terminal 996 having a payment mode of a memory card 997 for a payment service using a memory card 997 provided in a customer mobile phone, and a memory card having a short-range wireless communication function. 997, a memory card 997 provided to the customer's mobile phone through a financial transaction server 999 connected to the customer's mobile phone equipped with the memory card 997, and the customer's mobile phone, and processes the financial transaction As a process of providing a payment service using the present invention, those skilled in the art to which the present invention pertains may use the memory card 997 provided in the customer's mobile phone by referring to and / or modifying the drawing. Various implementation methods for the process of providing a payment service may be inferred, but the technical features of the present invention are not limited by the drawing 9, but all the inferred implementations Note that it includes the method.

For example, those skilled in the art to which the present invention pertains may change some orders of the process of providing a payment service using the memory card 997 provided in the customer's mobile phone by referring to and / or modifying the drawing 9. The present invention is not limited thereto.

Referring to FIG. 9, the payment terminal 996 inputs (or selects) payment information through the output payment information input interface (900), and correspondingly, the payment input (or selection) through the payment information input interface is performed. Information is transmitted to the memory card 997 via near field communication (905).

Here, in addition to the payment information through the output payment information input interface, the customer mobile phone (that is, the mobile phone equipped with the memory card 997) may be further input, the input customer mobile phone information is the memory card 997 Is sent to.

Thereafter, the memory card 997 transmits the payment information transmitted from the payment terminal 996 to the customer's mobile phone to request a VM (Virtual Machine) execution (910), and is provided to the customer's mobile phone for the transmitted payment information. In order to provide a payment service using the memory card 997, a payment authentication (ie, password input) is requested (915).

If the customer who checks the payment information output through the executed VM inputs a password for payment authentication (920), the customer inputs the password to the memory card 997 (925), and correspondingly. The memory card 997 confirms authentication of the received password (930).

If the authentication for the received password is not confirmed (935), the memory card 997 generates (or extracts) authentication confirmation error information for the received password and transmits it to the payment terminal 996. And, through the payment terminal 996 and outputs the authentication confirmation error information for the password.

In addition, the memory card 997 is generated (or extracted) authentication confirmation error information for the received password, it is transmitted to the customer mobile phone and output, it is possible to request to re-enter the password, more than a certain number of times If a password input error occurs, the payment function for the memory card 997 is not provided.

On the other hand, if the authentication for the password received from the customer mobile phone is confirmed (935), the memory card 997 checks the customer payment account information stored on the memory card (997) (940).

If the customer payment account information stored on the memory card 997 is not confirmed (945), the memory card 997 confirms the customer payment account stored on the memory card 997 to the payment terminal 996. Error information is generated (or extracted) and transmitted to the payment terminal 996 for processing.

On the other hand, when the customer payment account information stored on the memory card 997 is confirmed (945), the memory card 997 the payment approval request information based on the received payment information and the confirmed customer payment account information In operation 950, the payment approval request information is transmitted to the customer mobile phone (955) and processed to be transmitted to the payment server (960).

According to an embodiment of the present invention, the payment information is transmitted to the memory card 997 provided in the customer mobile phone through the payment request unit, and the received payment information and the memory card 997 from the memory card 997. And generating payment approval request information based on the payment means information provided in the payment server, and transmitting the payment approval request information to the payment server. 997) after performing a predetermined payment processing procedure for providing a payment service, generates a payment processing history corresponding to any one of payment approval details or payment error details corresponding to the payment processing result, and the payment processing Generates predetermined payment approval information including the details and transmits it to the memory card 997 provided in the customer mobile phone, In the memory card (997) and transmits it to the payment terminal (996).

According to another exemplary embodiment of the present invention, payment information is transmitted to the memory card 997 provided in the customer mobile phone through the payment request unit, and the received payment information and the memory card 997 from the memory card 997. Generate payment approval request information based on the payment means information stored in the transmission information) and transmit the payment approval request information to the payment terminal 996 and transmit the payment terminal 996 to the payment server through the communication processor. The payment server performs a predetermined payment processing procedure for providing a payment service using the memory card 997 provided in the customer mobile phone through the payment approval request information, and then the payment approval corresponding to the payment processing result. Generate a payment processing history corresponding to any of the details or payment error history, and the predetermined payment approval including the payment processing history The information is generated and transmitted to the payment terminal 996.

According to another exemplary embodiment of the present invention, the payment information is transmitted to the memory card 997 provided in the customer mobile phone through the payment request unit, and the payment processing for the received payment information is performed in the memory card 997. Extract payment means information for the payment to the payment terminal 996, generate payment approval request information based on the payment means information and the payment information received from the payment terminal 996, the generated payment approval The request information is transmitted to the memory card 997 so that the memory card 997 transmits the payment approval request information to a payment server. In response, the payment server transmits the payment approval request information through the payment approval request information. After performing a predetermined payment processing procedure for providing a payment service using the memory card 997 provided in the customer's mobile phone, the payment processing result is returned. Generate payment processing details corresponding to any one of payment approval details or payment error details, and generate predetermined payment approval information including the payment processing details to the memory card 997 provided in the customer's mobile phone. The memory card 997 transmits the payment terminal 996 to the payment terminal 996.

According to another exemplary embodiment of the present invention, the payment information is transmitted to the memory card 997 provided in the customer mobile phone through the payment request unit, and the payment processing for the received payment information is performed in the memory card 997. Extract payment means information for the payment to the payment terminal 996, and generates payment approval request information based on the payment method information and the payment information received from the payment terminal 996 to pay through the communication processing unit And transmitting to a server. In response, the payment server performs a predetermined payment processing procedure for providing a payment service using a memory card 997 provided in the customer mobile phone through the payment approval request information. Thereafter, a payment processing history corresponding to one of payment approval details or payment error details corresponding to the payment processing result is generated. The predetermined payment approval information including the payment processing details is generated and transmitted to the payment terminal 996.

Thereafter, the payment server checks whether or not the terminal on which the memory card 997 is mounted is authenticated based on the received payment approval request information (965).

According to the exemplary embodiment of the present invention, the authentication whether the terminal on which the memory card 997 is mounted is checked whether or not the device equipped with the memory card 997 included in the transaction authentication information included in the financial transaction request information (that is, the financial It is preferable that the identification information of the transaction terminal 998 is matched with device information loaded on the memory card 997 stored in the information D / B shown in FIG. If confirmed, the validity of the financial transaction request information is preferably authenticated.

If the authentication for the terminal on which the memory card 997 is mounted is not confirmed based on the received payment approval request information (970), the payment server is configured for the terminal on which the memory card 997 is mounted. Authentication confirmation error information is generated (or extracted) and transmitted to the memory card 997 through the customer mobile phone and / or to the payment terminal 996.

On the other hand, if the authentication of the terminal equipped with the memory card 997 is confirmed based on the received payment approval request information (970), the payment server is included in the customer payment account included in the received payment approval request information If the deposit amount (or withdrawable amount) is equal to or greater than the payment amount included in the payment approval request information, the payment approval for the received payment approval request is processed (975).

According to an embodiment of the present invention, the payment means confirmation unit uses the payment means information included in the payment approval request information as a keyword to search / search the account ledger stored in the ledger D / B on the financial system, the payment approval It is preferable to check whether the payment means information included in the request information is valid payment means information by searching / searching the account ledger stored in the ledger D / B on the financial system.

According to an embodiment of the present invention, when the payment means corresponding to the confirmed payment means information comprises a wire transfer payment means, the payment server is the payment means from the account ledger stored in the ledger D / B on the financial system By confirming a deposit (or withdrawable amount) for the customer's payment account corresponding to, and comparing the confirmed deposit (or withdrawable amount) with the payment amount, through the memory card 997 provided in the customer mobile phone Characterized in that the payment approval for the payment amount.

If the payment approval processing for the received payment approval request information is completed (980), the payment server generates a payment processing history including payment approval information according to the payment approval processing (985), and the payment processing The payment approval result information including the details is transmitted to the customer mobile phone (990), and processed to be provided to the memory card 997 (995), and / or to be transmitted to the payment terminal (996).

10 is a diagram illustrating a process of providing a payment service using a memory card 1096 included in a customer mobile phone according to another exemplary embodiment of the present invention.

In more detail, FIG. 10 illustrates a payment terminal having a payment mode with a memory card 1096 for a payment service using a memory card 1096 included in a customer mobile phone, and a memory card 1096 having a short range wireless communication function. And a memory card 1096 provided in the customer's mobile phone through a customer mobile phone equipped with the memory card 1096 and a communication transaction server 1098 connected to the customer mobile phone and processing a financial transaction. As a process of providing a payment service, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 10 and use the payment service using the memory card 1096 provided in the customer's mobile phone. It will be able to infer various implementation methods for providing a process, but the technical features of the present invention is not limited by this figure 10, but all inferred It is to be understood that it includes the method of implementation.

For example, those skilled in the art to which the present invention pertains may change some orders of the process of providing a payment service using the memory card 1096 included in the customer's mobile phone by referring to and / or modifying the drawing 10. The present invention is not limited thereto.

Referring to FIG. 10, the payment terminal inputs (or selects) payment information through the output payment information input interface (1000), and correspondingly closes the payment information input (or selected) through the payment information input interface. The memory card 1096 transmits the data to the memory card 1096 through wireless communication (1005).

Here, in addition to the payment information, the mobile phone (that is, the mobile phone equipped with the memory card 1096) information may be further input through the output payment information input interface, and the input of the customer mobile phone information is the memory card 1096. Is sent to.

Thereafter, the memory card 1096 transmits the payment information transmitted from the payment terminal to the customer mobile phone to request a VM (Virtual Machine) execution (1010), and the memory card provided in the customer mobile phone for the transmitted payment information. In operation 1015, a payment authentication (that is, a password input) is requested to provide a payment service using 1096.

If the customer who checks the payment information output through the executed VM inputs a password for authentication of payment (1020), the customer inputs the password to the memory card 1096 (1025), and responds to it. The memory card 1096 confirms authentication of the received password (1030).

If the authentication of the received password is not confirmed (1035), the memory card 1096 generates (or extracts) authentication confirmation error information of the received password and transmits the information to the payment terminal. It outputs the authentication confirmation error information for the password through the payment terminal.

In addition, the memory card 1096, when the authentication confirmation error information for the received password is generated (or extracted), it is possible to transmit and output it to the customer mobile phone, and to request the password again, a certain number of times If the above password input error occurs, the payment function for the memory card 1096 is not provided.

On the other hand, if the authentication for the password received from the customer mobile phone is confirmed (1035), the memory card 1096 checks the customer payment account information stored on the memory card (1096) (1040).

If the customer payment account information stored on the memory card 1096 is not confirmed (1045), the memory card 1096 receives the customer payment account confirmation error information stored on the memory card 1096 as the payment terminal. It is generated (or extracted) and transmitted to the payment terminal for processing.

On the other hand, if the customer payment account information stored on the memory card 1096 is confirmed (1045), the memory card 1096 is the customer payment account information through the short-range wireless communication network to the merchant terminal 1097 Transmit (1050).

Thereafter, the payment terminal generates payment approval request information based on the received customer payment account information and payment information (1055), and transmits the generated payment approval request information to the payment server (1060).

According to the embodiment of the present invention, the payment information is transmitted to the memory card 1096 provided in the customer mobile phone through the payment request unit, and the received payment information and the memory card 1096 from the memory card 1096. And generating payment approval request information based on the payment means information provided in the payment server, and transmitting the payment approval request information to the payment server. In response, the payment server provides a memory card provided in the customer mobile phone through the payment approval request information. 1096), after performing a predetermined payment processing procedure for providing a payment service, generates a payment processing history corresponding to any one of payment approval details or payment error details corresponding to the payment processing result, and the payment processing Generates predetermined payment approval information including the details and transmits the generated payment approval information to the memory card 1096 included in the customer mobile phone. From the memory card 1096 is transmitted to the payment terminal.

According to another exemplary embodiment of the present invention, payment information is transmitted to the memory card 1096 included in the customer mobile phone through the payment request unit, and the received payment information and the memory card 1096 are received from the memory card 1096. Generate payment approval request information based on the payment means information stored in the information) and transmit the payment approval request information to the payment terminal, and transmit from the payment terminal to the payment server through the communication processing unit. After performing a predetermined payment processing procedure for providing a payment service using the memory card 1096 included in the customer's mobile phone through payment approval request information, among the payment approval details or payment error details corresponding to the payment processing result. Generate payment processing details corresponding to any one of the predetermined payment approval information including the payment processing details; Generate and transmit to the payment terminal.

According to another exemplary embodiment of the present invention, the payment information is transmitted to the memory card 1096 provided in the customer mobile phone through the payment request unit, and the payment processing for the received payment information is performed in the memory card 1096. Extract payment means information for the payment terminal and generate payment approval request information based on the received payment means information and the payment information, and transmit the generated payment approval request information to the memory card; The memory card 1096 transmits the payment approval request information to a payment server by transmitting the information to the payment server, and the payment server stores the memory included in the customer mobile phone through the payment approval request information. After performing a predetermined payment processing procedure for providing a payment service using the card 1096, it corresponds to the payment processing result. Generates payment processing details corresponding to any one of payment approval details or payment error details, generates predetermined payment approval information including the payment processing details, and transmits the predetermined payment approval information to the memory card 1096 provided in the customer mobile phone. The memory card 1096 transmits the payment terminal.

According to another exemplary embodiment of the present invention, the payment information is transmitted to the memory card 1096 provided in the customer mobile phone through the payment request unit, and the payment processing for the received payment information is performed in the memory card 1096. Extract payment means information for the payment terminal and transmit the payment means information to the payment terminal, and generate payment approval request information based on the received payment means information and the payment information and transmit the payment approval information to the payment server through the communication processor; In response, the payment server performs a predetermined payment processing procedure for providing a payment service using the memory card 1096 provided in the customer mobile phone through the payment approval request information, and then the payment processing result. Generate payment processing history corresponding to either payment approval history or payment error history corresponding to To generate a predetermined payment authorization information including the payment processing history and transmits it to the payment terminal.

Thereafter, the payment server checks whether or not the terminal on which the memory card 1096 is mounted is authenticated based on the received payment approval request information (1065).

According to the exemplary embodiment of the present invention, the authentication whether the terminal on which the memory card 1096 is mounted is checked whether the device equipped with the memory card 1096 included in the transaction authentication information included in the financial transaction request information (that is, the financial It is preferable that the identification information of the transaction terminal 1095) is matched with device information mounted on the memory card 1096 stored in the information D / B shown in FIG. If the validity of the financial transaction request information is preferably authenticated.

If the authentication of the terminal on which the memory card 1096 is mounted is not confirmed based on the received payment approval request information (1070), the payment server is configured to perform the terminal on which the memory card 1096 is mounted. Authentication confirmation error information is generated (or extracted) and transmitted to the memory card 1096 through the customer mobile phone and / or to the payment terminal.

On the other hand, if the authentication of the terminal equipped with the memory card 1096 is confirmed based on the received payment approval request information (1070), the payment server is included in the customer payment account included in the received payment approval request information If the amount deposited (or withdrawable amount) is equal to or greater than the payment amount included in the payment approval request information, the payment approval for the received payment approval request is processed (1075).

According to an embodiment of the present invention, the payment means confirmation unit uses the payment means information included in the payment approval request information as a keyword to search / search the account ledger stored in the ledger D / B on the financial system, the payment approval It is preferable to check whether the payment means information included in the request information is valid payment means information by searching / searching the account ledger stored in the ledger D / B on the financial system.

According to an embodiment of the present invention, when the payment means corresponding to the confirmed payment means information comprises a wire transfer payment means, the payment server is the payment means from the account ledger stored in the ledger D / B on the financial system By checking the deposit (or withdrawable amount) for the customer's payment account corresponding to and comparing the confirmed deposit (or withdrawable amount) with the payment amount, the memory card 1096 provided in the customer mobile phone Characterized in that the payment approval for the payment amount.

If the payment approval processing for the received payment approval request information is completed (1080), the payment server generates a payment processing history including payment approval information according to the payment approval processing (1085), and the payment processing The payment approval result information including the details is transmitted to the payment terminal (1090), and / or to the customer mobile phone, and processed to be provided to the memory card (1096).

According to the present invention, after the customer registers the wireless terminal information on which the memory card is to be mounted in advance, the authentication is performed so that the memory card is operated. It is possible to prevent financial accidents that occur during the process, and also to prevent problems that are lost and misused without the customer's knowledge.

Claims (5)

Claims [1] A method of providing a payment service for a product purchased by a customer through a payment terminal provided at an affiliated store and a wireless terminal equipped with a memory card having a near field communication function. When the payment information input (or selected) through the payment terminal is transmitted to a memory card included in the wireless terminal through short-range wireless communication, confirming terminal specific information on the wireless terminal; If it is confirmed that the terminal unique information is confirmed to match the terminal unique information registered in advance with the wireless terminal on which the memory card is mounted, providing a payment service for the payment information received from the payment terminal; Wireless terminal authentication method with a memory card, characterized in that. Claims [1] A method of providing a payment service for a product purchased by a customer through a payment terminal provided at an affiliated store and a wireless terminal equipped with a memory card having a near field communication function. The payment information input (or selected) through the payment terminal is transmitted to a memory card included in the wireless terminal through short-range wireless communication, and terminal unique information about the wireless terminal is confirmed and includes the terminal unique information. When the payment approval request information is received, checking the memory card information in which payment means information included in the payment approval request information is stored; Check whether the wireless terminal corresponding to the identified terminal unique information is a wireless terminal capable of mounting the identified memory card, and if the wireless terminal is detectable wireless terminal, the payment service for the payment information received from the payment terminal Provided; Memory card-mounted wireless terminal authentication method comprising a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Claims [1] A system for providing a payment service for a product purchased by a customer through a payment terminal provided at an affiliated store and a wireless terminal equipped with a memory card having a short range wireless communication function. Means for confirming terminal specific information about the wireless terminal when the payment information input (or selected) through the payment terminal is transmitted to a memory card included in the wireless terminal through short-range wireless communication; Means for providing a payment service for payment information received from the payment terminal, when it is determined that the identified terminal identification information matches the terminal identification information pre-registered as a wireless terminal in which the memory card is to be mounted. Wireless card authentication system with a memory card, characterized in that made. Claims [1] A system for providing a payment service for a product purchased by a customer through a payment terminal provided at an affiliated store and a wireless terminal equipped with a memory card having a short range wireless communication function. The payment information input (or selected) through the payment terminal is transmitted to a memory card included in the wireless terminal through short-range wireless communication, and terminal unique information about the wireless terminal is confirmed and includes the terminal unique information. Means for confirming memory card information in which payment means information included in the payment approval request information is stored when payment approval request information is received; Check whether the wireless terminal corresponding to the identified terminal unique information is a wireless terminal capable of mounting the identified memory card, and if the wireless terminal is detectable wireless terminal, the payment service for the payment information received from the payment terminal Memory card-equipped wireless terminal authentication system comprising a; means for providing.

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