KR20130135615A - Self settlement system using mobile communication device - Google Patents

Abstract

The present invention relates to a self settlement system using a mobile communication terminal. The self settlement system of the present invention is installed in the mobile communication device and recognizes the settlement amount and a history by receiving a specialized image including settlement information and member store information from a member store when the settlement is done at the member store. The self settlement system increases the security of credit card information and personal information and also increases the convenience and efficiency of credit card usage by performing direct settlement with an external card company or a VAN company through a self settlement server on the basis of the credit card information previously stored in the mobile communication terminal because the settlement is done directly in the mobile communication terminal not through the member store. [Reference numerals] (4) Data communication network;(5) Self payment server;(6) Member store terminal;(7) VAN server;(9-1) Card company server 1;(9-N) Card company server N;(AA) Data communication network

Description

Self settlement system using mobile communication device

The present invention relates to a self-payment system using a mobile communication terminal, and more particularly, when a payment is made at a mobile communication terminal and received from a member store, a specialized image including payment information and affiliate store information is received. Recognize the details, and based on the credit card information previously stored in the mobile terminal, the payment is made directly from the mobile terminal without the merchant through direct payment with an external card company or VAN through a self-paying server. It is to provide a self-payment system using a mobile communication terminal that not only increases the security of personal information but also increases the convenience and efficiency of using a credit card.

As the use of credit cards has become popular, various researches have been conducted on payment methods using credit cards.

In particular, with the development of mobile communication terminals, various researches on electronic commerce and offline commerce payment methods using mobile communication terminals have been conducted.

1 is a diagram illustrating a conventional credit card payment method.

In the conventional credit card payment system 100, when the payer purchases goods and goods at the merchant, the payer transfers his or her credit card 101 to the merchant, and the merchant employee receives the credit received using the credit card terminal 103. Payment information that is information about the authentication information and the payment amount of the card 101 is received. At this time, the credit card terminal 103 transmits the authentication information and payment information input to the VAN server 105 through the communication network, the VAN server 105 is the card company server 107 through the card company information included in the authentication information Send authentication information and payment information to request transaction approval.

Also, the card company server 107 transmits payment approval authentication information to the VAN server 105 if the authentication information received from the VAN server 105 is appropriate, and the VAN server 105 transacts with the credit card terminal 103 of the merchant. The authorization authentication information is transmitted, and the credit card terminal 103 outputs the sales slip in which the transaction contents are written.

Such a conventional credit card payment system 100 has the advantage that the user can freely make payments within their credit card payment limit without using cash, but the user delivers the credit card to the merchant staff during payment. In addition to the need to deliver a paper payment slip, a cumbersome use of a credit card must be delivered to a merchant employee, as well as a paper transaction slip.

In addition, since the credit card terminal 103 installed in the merchant performs direct payment with the VAN server 105, the risk of exposing the credit card information and the personal information of the payer is high, thereby reducing security. In particular, as the development of the Internet infrastructure raises awareness of the exposure of personal information, such exposure of personal information acts as a deteriorating factor for credit cards.

In addition, the conventional credit card payment system 100 has a limit of providing a merchant-centered service rather than a user-centered service.

In order to overcome these problems, various studies on credit card payment methods and systems are being conducted to simplify credit card payment or to perform credit card payment using a terminal without directly transferring the credit card to the merchant employee. have.

Figure 2 is a block diagram showing an integrated payment system using a mobile communication terminal described in Korean Patent No. 10-0822160 (name: integrated payment system and method using a mobile communication terminal).

Integrated payment system 200 of Figure 2 is a mobile communication terminal 210, POS (Point

of Sale) device 220, branch server 230, mobile shopping service server 240, one or more external loyalty servers 250 and payment processing server 260.

When the user's payment is made, the mobile communication terminal 210 transmits credit card information that has been built using short-range wireless communication to the POS device 220, and the POS device 220 generates a request for providing loyalty information to mobile shopping. Transfer to the service server 240. In this case, the loyalty information includes internal loyalty information stored / managed by the internal loyalty service server 244 inside the mobile shopping service server 240 and an external loyalty service server 250 external to the mobile shopping service server 240. There is external loyalty information stored / managed by the user, and includes a mobile communication terminal number, a credit card number, etc., with a member identification number and various personal information using a credit card number as a key.

The mobile shopping service server 240 collects and transmits various loyalty information to the POS device 220, and the POS device 220 processes payment based on the received loyalty information.

In addition, the POS device 220 transmits the payment processing result to the mobile shopping service server 240, and the mobile shopping service server 240 notifies the SMS of the payment processing result.

As described above, the integrated payment system 200 of FIG. 2 uses credit card information to be transmitted to the POS device 220 through a short-range wireless communication network even when the credit card user does not deliver the credit card to the merchant. Can solve the problem.

However, the integrated payment system 200 does not solve the risk of information exposure because the credit card information and personal information pass through the POS device 220 of the affiliated store.

In addition, the integrated payment system 200 causes a problem that the cost is generated because the payment processing results including payment information, slip content, etc. should be notified by SMS.

The present invention is to solve this problem, the problem of the present invention is not a merchant-centered service that the credit card payment performs payment approval and payment processing at the merchant, the mobile terminal directly performs the payment approval and payment processing directly To provide a self-payment system using a mobile communication terminal that provides a user-centered credit card payment service.

In addition, another problem of the present invention is that the mobile communication terminal receives a specialized image including payment details, payment amount, price information and merchant information at the time of payment from the merchant terminal and performs payment directly to secure the security of credit card and personal information. It is to provide a self-payment system using a mobile communication terminal that can increase the.

In addition, another problem of the present invention is that the mobile communication terminal performs payment based on the specialized image received from the merchant terminal even if the user does not deliver the credit card to the merchant employee. It is to provide a self-payment system using a terminal.

In addition, another problem of the present invention is to receive the amount to be paid by each of the payers when the payment is calculated by dividing a plurality of people instead of one, mobile communication that increases the convenience of using a credit card by paying only the input amount It is to provide a self-payment system using a terminal.

Solving means of the present invention for solving the problem is an affiliated store terminal is installed in the affiliated store to generate affiliated store information which is identification information for identifying the payment amount and the affiliated store of the user; A mobile communication terminal including an IC chip (Integrated Circuit Chip) storing credit card information of a user, and receiving the payment amount and the merchant information from the merchant terminal; An application program installed in the mobile communication terminal to receive the payment amount information and the affiliated store information received from the affiliated store terminal and the credit card information previously stored in the IC chip; A payment server including a VAN server and a card company server; Controls and manages the application, requests the payment approval to the payment server by combining the credit card information and the payment amount information received from the application, and receives the payment approval confirmation data from the payment server. And a self-payment server that matches the payment approval confirmation data with the affiliated store information to the application program, wherein the application program transmits the payment approval confirmation data and the affiliated store information received from the self-payment server to the mobile communication terminal. To display on.

In the present invention, the self-payment server registers and stores the discount coupon data provided by the merchants, and when the discount coupon data corresponding to the merchant information received from the application is retrieved, the discount amount of the discount coupon data to the application program. It is preferable to transmit the applied payment amount information.

In addition, in the present invention, the application program downloads a user interface (User Interface) generated according to a predetermined graphic procedure to the mobile communication terminal, the user interface is a transaction history user interface (display details) information of the payment amount ( User interface) and a payment user interface for requesting payment to the self-payment server.

In addition, in the present invention, the application program further comprises an amount input user interface including a field for receiving a payment amount, which is the amount to be paid by the user; When the Dutch payment request is made to the payment server, and the self-paying server receives the Dutch pay payment, the merchant pays for the same merchant information after recognizing the merchant where payment is made through the merchant information. When the payment amount does not match, it is preferable to transmit the non-payment data to the application requesting the payment of Dutch Pay.

In addition, in the present invention, the affiliated store terminal includes a display device, generates a specialized image which is information encoded by the generated payment amount and the affiliated store information according to a preset encoding method, and generates the generated specialized image. Displayed on a display device, the mobile communication terminal is provided with a photographing device, the image acquisition unit for controlling the photographing device to obtain the specialized image image displayed on the display device of the merchant terminal, through the image acquisition unit The method may further include an image analyzer configured to decode the obtained specialized image image according to a predetermined decoding method to detect the payment amount information and the affiliated store information included in the specialized image.

In addition, in the present invention, the affiliated store terminal has an output device, and outputs the generated specialized image through the output device, and the mobile communication terminal captures an image of the specialized image output by the output device by using the photographing device. It is desirable to obtain.

In addition, in the present invention, the merchant terminal includes an RFID tag, NFC (Near Field Communications) communication is supported to store the payment amount and the merchant information in the RFID tag, the mobile communication terminal includes an RFID reader, NFC communication is supported so that the RFID reader unit receives the payment amount and the affiliated store information stored in the RFID tag of the affiliated store terminal.

According to the present invention having the above-mentioned problems and solutions, it is possible to provide a user-centered service directly performed by a mobile communication terminal, rather than a merchant-centered service for performing a payment request and payment at a merchant.

In addition, the mobile communication terminal increases the security of the credit card and personal information because the mobile terminal performs payment directly by receiving a specialized image including payment details, price information, and merchant information, from the merchant terminal.

In addition, the user can use the credit card more conveniently because the mobile communication terminal directly pays by using the specialized image received from the merchant terminal without directly transferring the credit card.

In addition, the mobile communication terminal decodes the specialized image transmitted from the merchant terminal, recognizes the payment amount, receives the actual amount to be paid by the user, and performs the payment as much as the received amount of Dutch pay ( Dutch-pay function further increases the convenience of using a credit card.

1 is a diagram illustrating a conventional credit card payment method.
Figure 2 is a block diagram showing an integrated payment system using a mobile communication terminal described in Korean Patent No. 10-0822160 (name: integrated payment system and method using a mobile communication terminal).
Figure 3 is a block diagram showing a self-payment system according to an embodiment of the present invention.
4 is a relation diagram for explaining FIG. 3.
5 is an exemplary diagram illustrating a selection user interface provided by the self-payment application of FIG. 3.
6 is an exemplary diagram illustrating a photographing user interface provided by the self-payment application of FIG. 3.
FIG. 7 is a block diagram illustrating an application for self payment of FIG. 3.
8 is a block diagram illustrating user interfaces provided by a user interface provider.
9 is a block diagram illustrating a payment management unit of FIG. 7.
FIG. 10 is a block diagram illustrating a self-paying server of FIG. 5.
FIG. 11 is a block diagram illustrating a second database unit of FIG. 10.
12 is a configuration diagram showing a second embodiment of the present invention.
13 is a relationship diagram of FIG. 12.
FIG. 14 is a block diagram illustrating an application for self-payment of FIG. 12.

Hereinafter, an embodiment of the present invention will be described with reference to the accompanying drawings.

3 is a diagram illustrating a self-payment system according to an embodiment of the present invention, and FIG. 4 is a relation diagram for describing FIG. 3.

The self-payment system 1 of FIG. 3 includes a plurality of mobile communication terminals 3 and a mobile communication terminal 3 equipped with a camera on which a photographing function is donated and an IC chip storing credit card information of a user. (2) an application that performs payment by controlling the terminal 3 (hereinafter referred to as a self-payment application), and a payment amount to be settled by the credit card user to be installed in the merchants And a payment terminal including a merchant terminal 6 outputting payment details, a VAN server 7 and a card company server 1 (9-1), ..., a card company server N (9-N) that accept credit card payments. It manages and controls the company 8, the self-payment application 2, and relays data between the self-payment application 2 and the payment company 8 so that credit card payment is made in the mobile communication terminal 3 Providing self payment service Provisionally formed of the server 5 and the data network (4) that provides a movement path of the data.

At this time, the data communication network (4) is a variety of data between the application for self-payment (2), self-payment server (5), VAN server (7), card company server (9-1), ..., (9-N) It provides a path that is transmitted and received, and can be applied to wired, wireless network (network), such as local area network (LAN), wide area network (WAN), mobile communication network. If a mobile communication network is applied to the communication network 3, a DCN (Data Core Network) (not shown) and various controllers (not shown) are configured in the mobile communication network to convert the command signal of the mobile communication terminal into an Internet-only protocol.

In addition, in FIG. 3, for example, the credit card payment is performed in the mobile communication terminal 3 offline. However, the self-payment system 1 of FIG. 3 may be applied to online e-commerce. May be replaced with a digital terminal capable of data communication, and the merchant terminal 6 may be replaced with an online homepage.

In addition, in FIG. 3, the self-payment application 2 is connected to the VAN server 7 and the card company servers 9-1, ..., (9-N) through the relay of the self-payment server 5. For example, the self-payment application 2 may be configured to be directly connected to the payment company servers 8 without passing through the self-payment server 5.

In addition, in FIG. 3, the payment means is limited to a credit card. For example, the payment means is not limited to a credit card, but a check card, a micropayment company using a mobile communication terminal 2, and the like. Various means may be applied.

The mobile communication terminals 3-1, ..., (3-N) support mobile communication network connection, not only voice and video call, but also support data communication network (mobile communication network) connection with external communication devices. A digital terminal capable of transmitting and receiving data, including wireless data communication and mobile communication modules according to the type of communication network, and preferably feature phones and smart phones that support mobile communication and data communication. It is preferred to be one of them.

In addition, the mobile communication terminal 3 is equipped with a web interlocking program such as a web browser, Netscape, etc. to drive the web interlocking program to access the self-payment server (5).

Also, the mobile communication terminals 3-1, ..., and 3-N mount a camera device and a module, and control the camera to acquire images and images.

In addition, the mobile communication terminals 3-1, ..., (3-N) are provided with an IC chip (Integrated Circuit Chip) in which credit card information is pre-stored, and the IC chip is used to control the self-payment application (2). It is used at checkout.

The affiliated store terminal 6 is a terminal installed in each of the affiliated stores.

In addition, the merchant terminal 6 is pre-set by the merchant information, including price information for each of the goods and services provided by the merchant, merchant identification information, location information, terminal code number, etc. that can identify the merchant And stored.

In addition, the affiliated store terminal 6 calculates a payment amount to be processed by the user when receiving details from the employee. At this time, the affiliated store terminal 6 generates a specialized image that encodes the calculated payment amount, pre-stored price information and affiliated store information.

At this time, the specialized image is an image in which specific data is stored, such as a two-dimensional bar code and a color code. In the present invention, as described above, the payment amount, price information, and merchant information are included.

In addition, the specialized image may be configured to be standardized by store characteristics and tasks.

In addition, the affiliated store terminal 6 includes a display device such as a monitor and displays the specialized image on the provided display device when the specialized image is generated.

The self-payment application 2 is an application program installed in the mobile communication terminal 3 to control the mobile communication terminal.

In addition, the self-payment application (2) controls the camera of the mobile communication terminal (3) at the time of payment to take a specialized image displayed on the display device of the merchant terminal 6 to obtain a specialized image.

In addition, the self-payment application 2 decodes the obtained specialized image to check the price information, merchant information and payment information included in the specialized image.

In addition, the self-payment application 2 controls the mobile communication terminal 3 based on the recognized information to receive credit card information stored in the IC chip, received credit card information and personal information, recognized payment information and The merchant information is transmitted to the self-payment server 5.

In addition, the self-payment application 2 recognizes that the payment has been processed when the payment approval request and the transaction processing result information are received from the self-payment server 5.

The self-payment server 5 stores information about the affiliated stores, affiliated store information for each of the affiliated store terminals 6, and price information of each of the affiliated stores received from the affiliated stores.

The self-payment server 5 also stores address information for each of the VAN server 7 and the card company servers 8-1, ..., (8-N).

In addition, the self-paying server 5 receives a card approval request from the self-paying application 2 including credit card information, personal information, merchant information and payment information, and the card company server 9-1 corresponding to the credit card information. Request payment approval to payment company 8 including ..., (9-N) and VAN server 7.

In addition, when the self-payment server 5 receives the transaction processing result data from the payment company server 8, the self-payment server 5 transmits the transaction processing result data received to the corresponding self-payment application 2.

In addition, in the present invention, the special image generated in the merchant terminal 6 is photographed by the camera of the mobile communication terminal 3 is described as an example to be transmitted to the self-payment application (2) of the mobile communication terminal (3) The specialized image may be configured to be transmitted from the merchant terminal 6 to the mobile communication terminal 3 through short-range wireless communication such as Near Field Communications (NFC), Bluetooth, and Wi-Fi.

5 is an exemplary diagram illustrating a selection user interface provided by the self-payment application of FIG. 3.

When the self-payment application 2 is first executed according to a user's selection, the selection user interface 281 is downloaded to the monitor 31 of the mobile communication terminal 3 as shown in FIG. 5.

In addition, the selection user interface 281 includes a "payment" click icon A for performing a payment so that when the "payment" click icon A is clicked by the user, the user interface of FIG. It is displayed on the monitor of 3).

6 is an exemplary diagram illustrating a photographing user interface provided by the self-payment application of FIG. 3.

The photographing user interface 283 of FIG. 6 is downloaded to the monitor 31 when the payment click icon A of FIG. 5 is clicked. At this time, the self-payment application 2 controls the camera provided in the mobile communication terminal 3 when the photographing user interface 283 is driven so that the specialized image displayed through the monitor of the affiliated store terminal 6 is photographed through the camera. .

In addition, the photographing user interface 283 includes an exhibition window 291 in which an image photographed by a camera is displayed, and a "shooting" click icon 293 for controlling camera photographing. That is, the user clicks the "shooting" click icon 293 when the specialized image I is displayed in the display window 291 to acquire the specialized image I image.

The specialized image I obtained as described above is decrypted by the self-paying application 2, and the self-paying application 2 performs payment with the self-paying server 5 based on the decrypted information.

FIG. 7 is a block diagram illustrating an application for self payment of FIG. 3.

The self-payment application 2 includes a database unit 22 storing data, a data transmitting / receiving unit 23 controlling data transmission and reception between external servers, IDs, passwords, and the like for users and merchants registered as members. Member management unit 26 for managing data such as address, social security number and merchant code number, image acquisition unit 27 for controlling a camera of the mobile communication terminal 3 to obtain a specialized image image, and a preset image analysis algorithm An image analysis unit 28 for decoding the special image image acquired through the image acquisition unit 27, a discount ticket detection unit 29 for searching for a pre-registered discount ticket from the affiliated store, and the mobile communication when payment is performed. The data reader unit 40 receiving credit card and personal information stored in the IC chip of the terminal 3, the corresponding merchant analyzed by the image analyzer 28, and the predetermined graphic procedure. An interface providing unit 24 for downloading a manufactured user interface to the monitor of the mobile communication terminal 3, and an interface management unit for managing a user interface currently downloaded to the monitor of the mobile communication terminal 3; 25), the payment amount determination unit 41 for determining whether the user's payment amount is correct through the merchant information and the payment information analyzed by the image analyzer 28, the payment amount determination unit 41 and the discount ticket detection unit 29 ), The payment execution unit 42 performing payment based on the data detected by the image analyzer 28, and these control objects 22, 23, 24, 25, and 26. And control unit 21 for controlling (27), (28), (29), (40), (41) and (42).

The database unit 22 includes specialized image image information obtained by photographing the camera, credit card information and personal information input through the data reader unit 40, merchant information analyzed through the image analyzer unit 28, and the like. Save payment information.

In addition, the database unit 22 stores user interfaces manufactured according to a preset graphic procedure.

In addition, the database unit 22 stores the transaction result information received from the self-payment server (5).

The control unit 21 is an operating system (OS) of the self-payment application 2, and the control targets 22, 23, 24, 25, 26, 27 and 28 respectively. ), (29), (40), (41), (42).

In addition, the controller 21 controls the image acquisition unit 27 to capture the specialized image image when the user requests to capture the specialized image through the user interface manager 25.

In addition, the controller 21 inputs the specialized image image acquired by the image acquisition unit 27 to the image analyzer 28 so that the image analyzer 28 detects affiliate store information and payment information included in the specialized image image. .

The database unit 22 may include member authentication information including a member ID, a password, a name, a social security number, an address, an e-mail address, user interfaces pre-fabricated according to a preset graphic procedure, an affiliate store identification number, a location, an address, Stores merchant information including a phone number, an identification code number of each of the affiliated terminal terminals registered in each of the affiliated stores, price information of each of the affiliated stores, and the like.

In addition, the database unit 22 stores the specialized image acquired through the image acquisition unit 27, and affiliated store information and payment information analyzed by the image analysis unit 28.

In addition, the database 22 stores the payment slip generated when the payment is completed by the payment execution part 42.

In addition, the database unit 22 stores image discount algorithms applied to the electronic discount rights registered in the registered merchants and the specialized image decoding.

8 is a block diagram illustrating user interfaces provided by a user interface provider.

The user interface providing unit 24 downloads the user interfaces manufactured according to a preset graphic procedure to the monitor of the mobile communication terminal 3.

Also, as shown in FIG. 8, the user interface providing unit 24 displays the selection user interface 281 of FIG. 5 displayed on the monitor during initial operation, and when the "pay" click icon of the selection user interface 281 is clicked. The user interface 283 of FIG. 6 displayed on the monitor, the transaction history user interface 285 in which the details of the payment amount are displayed through the specialized image image photographed through the user interface 283, and from the user Based on the information input user interface 287 for receiving credit card information and personal information and the credit card information and personal information input from the information input user interface 287, the balance of the card, limit, approval result, and transaction history are One of the payment user interface 288 in which the payment slip included is displayed and the other user interfaces 289 in which other information is displayed. The thus downloaded to the monitor of the mobile terminal (3).

In addition, in the present invention, although the user interfaces provided by the user interface providing unit 24 have been described as examples of the user interfaces of FIG. 8, the user interface is not limited thereto, and user interfaces having various configurations and functions may be applied.

The image acquisition unit 27 is driven when the shooting user interface 283 of FIG. 8 is downloaded to the monitor, and controls the camera of the mobile communication terminal 3 to capture a specialized image displayed on the display device of the affiliated store. Acquire an image.

In addition, the image acquisition unit 27 inputs the acquired specialized image image to the image analysis unit 28 under the control of the control unit 21.

When the image analyzer 28 receives the specialized image image from the image acquirer 27, the affiliate store information included in the specialized image image is decoded by using the image analysis algorithm previously stored in the database unit 22. And detect payment information.

The discount ticket detector 29 searches the discount ticket data stored in the database 22 to detect whether there is a registered discount ticket from the affiliated store detected by the image analyzer 28.

In addition, when the discount voucher registered for the affiliated store is detected, the discount voucher detection unit 29 notifies the user of the discount voucher detection through the other user interface 289 and selects whether to apply the discount voucher. In this case, when the user selects to apply the discount coupon, the merchant again provides a specialized image including the payment amount information to which the discount coupon is applied.

The payment amount determination unit 41 calculates the amount by multiplying the price of the payment target product and the purchase quantity of the corresponding product from the affiliate store information and the payment information detected by the image analysis unit 28, and summing them. In this case, the payment amount determining unit 41 calculates the amount to which the discount coupon is applied when the user selects the discount coupon to use the discount coupon.

In addition, the payment amount determining unit 41 determines whether the calculated amount matches the payment amount input from the image analyzing unit 28.

9 is a block diagram illustrating a payment management unit of FIG. 7.

As shown in FIG. 9, the payment execution unit 42 includes a Dutch pay module 421 and a self-payment server 5 which are driven when a user (payer) wants to perform a payment by Dutch pay. The credit card balance among the data received from the self-payment server 5 through the payment processing module 423 and the payment processing module 423 to request payment approval to the payment approval confirmation from the self-payment server 5. It is composed of a limit determination module 425 for determining whether or not the payment amount based on the limit, and a document generation module 427 for generating a payment slip based on the data received from the payment processing module 423.

The Dutch pay module 421 is driven when the user pays only a part of the payment amount, and requests the Dutch pay payment to the self-paying server 5.

In addition, when the Dutch Pay module 421 receives the Dutch Pay payment completion data from the self-paying server 5, the amount of the Dutch Pay payments requested by the user who requested the Dutch Pay payment for the same payment amount is the same as the payment amount. I judge it.

The payment processing module 423 processes card authentication, payment authentication, and payment based on the input credit card information and personal information. At this time, since the payment processing module 423 is a technology commonly used in electronic commerce using a terminal, a detailed description thereof will be omitted.

The limit determination module 425 determines whether the balance limit is greater than the payment amount based on the credit card balance limit data among the data transmitted from the self-payment server 5 through the payment processing module 423.

At this time, in the present invention, for example, the limit determination module 425 for comparing the balance of the credit card and the payment amount is described as being driven in the self-payment application (2), but the limit determination module 425 is a self-payment server (5). It may be driven by.

When the payment is completed, the document generation module 427 generates a document including the paid amount and detailed information, and the generated document is displayed on the mobile communication terminal 3 through the user interface, and the database unit 22 To be stored at the request of the user.

FIG. 10 is a block diagram illustrating a self-paying server of FIG. 5.

The self-paying server 5 of FIG. 10 includes a second database unit 52 for storing data, a data transmitting and receiving unit 53 for transmitting and receiving data, a member managing unit 54 for performing member authentication and member management, The interface manager 55 managing the pre-made user interface, the Dutch pay processor 56 driven when the Dutch pay payment is requested from the self-payment application 2, the external VAN server 7 and the card companies. A second payment processing unit 57 which communicates with the servers 9-1, ..., (9-N) to process payment, and these control objects 52, 53, 54, 55; ), (56), and 57, the control unit 51 for controlling.

The control unit 51 is an operating system (O.S) of the self-payment server 5 and controls (52), (53), (54), (55), (56), and (57).

In addition, the controller 51 crawls the data transmitter / receiver 53 in real time and detects data received from the outside.

FIG. 11 is a block diagram illustrating a second database unit of FIG. 10.

The second database unit 52 of FIG. 11 includes a member information field 521 in which member information, which is information on registered members, is stored, and an affiliated store field 523, in which affiliate store information, which is information about registered affiliates, is stored. And a data field 535 for storing payment details and specialized images received from the self-paying application 2, an interface field 537 for storing pre-made user interfaces, and an external card company and a VAN company. The card company field 538 stores information and the other information field 539 stores other information.

When the Dutch pay manager 56 receives the Dutch pay payment from the self-payment application 2, the Dutch pay manager temporarily stores the identification code number for the corresponding merchant terminal 6 and then requests the Dutch pay payment for the same identification code number. Add them together.

In addition, the Dutch pay management unit 56 for the self-payment request for the Dutch payment payment payment data that the Dutch payment payment may proceed when the amount requested to pay the Dutch pay for the same identification code number is equal to the initially calculated payment amount Send to the applications 2.

In addition, the Dutch pay manager 56 performs a Dutch payment for the data that cannot be processed because the Dutch pay amount is not accurate when the amount requested for the Dutch pay payment for the same identification code number does not match the initially calculated payment amount. Send to the requested self-payment applications (2).

As described above, the self-payment application 2 and the self-payment server 5 applied to the present invention are configured to perform credit card split payment in the mobile communication terminal 3 so that users can use the credit card more conveniently.

12 is a configuration diagram showing a second embodiment of the present invention, and FIG. 13 is a relationship diagram of FIG.

The self-payment system 400 of FIG. 12 includes a self-payment server 5, a VAN server 7, a card company server 9-1, ..., (9-N) M having the same configuration as described above with reference to FIG. Comprising a data communication network (4) consisting of a merchant terminal 410 is provided with an RFID tag 411, and a mobile communication terminal 430 is installed with a self-payment application 420.

The affiliated store terminal 410 applied to the second embodiment of the present invention is a terminal installed in the affiliated store to detect an amount to be paid by the user.

In addition, the merchant terminal 410 generates an RFID tag (411) that stores the payment amount, payment history and merchant information to be paid by the credit card user at the time of payment, the generated RFID tag 411 according to a preset standard The payment amount, payment history and merchant information is stored.

The RFID tag 411 further includes access data capable of driving the self-payment application 420. The access data mentioned at this time is defined as a command code capable of automatically driving the self-payment application 420.

That is, the affiliated store terminal 400 according to the second embodiment of the present invention does not transmit the generated special image to the mobile communication terminal 3 by the affiliated store terminal 6 as shown in FIG. By generating the 411 and the mobile communication terminal 430 reads it, the credit card payment can be performed in the mobile communication terminal 430 without passing through the affiliate store.

The mobile communication terminal 430 is configured in the same configuration as described above, but performs data communication with the affiliated store terminal 410 through NFC by supporting Near Field Communications (NFC) communication.

In addition, the mobile communication terminal 430 includes an RFID reader unit, and the RFID reader unit receives payment amount, payment history, affiliate store information, and access data stored in the RFID tag 411 generated by the affiliate store terminal 410.

In addition, the mobile terminal 430 reads the access data stored in the RFID tag 411 and at the same time the self-payment application 420 is driven, the self-payment application driven the read payment amount, payment history and merchant information Enter 420.

FIG. 14 is a block diagram illustrating an application for self-payment of FIG. 12.

The self-payment application 420 of FIG. 14 is the database unit 22, the data transmission / reception unit 23, the member management unit 26, the discount ticket detection unit 29, and the data reader of FIG. 7 applied to an embodiment of the present invention. The unit 40, the payment amount determination unit 41 and the payment execution unit 42 of the same configuration, and further comprises a data reading unit 433 for reading the data input from the mobile communication terminal (3).

The data reading unit 433 reads payment amount information, payment history information, and merchant information from the input data.

That is, the self-payment application 420 reads the payment amount, payment details, and merchant information from the data reader 433 to perform the credit card payment through the same process as described above with reference to FIG. 7.

Self-payment system 400 according to the second embodiment of the present invention configured as described above is credit card by transmitting the payment amount, payment details and merchant information through the mobile communication terminal 430 and the merchant terminal 420 is supported NFC communication The user can perform the self-payment simply by moving his mobile communication terminal close to the merchant terminal.

In addition, in FIGS. 3 and 12, the payment amount, payment history, and merchant information generated by the merchant terminal are described as an example of being transmitted to the mobile communication terminal by using a special image and a data transmission method using NFC. Data transmission from the terminal to the mobile communication terminal is not limited thereto, and may be transmitted in various ways such as Bluetooth and Wifi.

1: Self payment system 2: Application for self payment
3: mobile communication terminal 4: data communication network 5: self-paying server
6: Merchant terminal 7: VAN server 9: Card company server
21: controller 22: database 2
3: data transmission and reception unit 24: interface providing unit
25: interface management unit 26: member management unit 27: video acquisition unit
28: video analysis unit 29: discount right detection unit 40: data management unit
41: payment amount judgment unit 42: payment execution unit

Claims (7)

An affiliated store terminal installed in the affiliated store to generate affiliated store information, which is identification information for identifying a payment amount of the user and the affiliated store;
A mobile communication terminal including an IC chip (Integrated Circuit Chip) storing credit card information of a user, and receiving the payment amount and the merchant information from the merchant terminal;
An application program installed in the mobile communication terminal to receive the payment amount and the affiliated store information received from the affiliated store terminal and the credit card information previously stored in the IC chip;
A payment server including a VAN server and a card company server;
Controls and manages the application, requests the payment approval to the payment server by combining the credit card information and the payment amount information received from the application, and receives the payment approval confirmation data from the payment server. And a self-payment server that transmits the payment approval confirmation data to the affiliated program information to the application program.
The application program is a self-payment service, characterized in that for displaying the payment approval confirmation data and the merchant information received from the self-payment server on the mobile communication terminal. The discount payment data of the discount voucher data to the application when the discount voucher data corresponding to the merchant information received from the application is retrieved. Self payment system, characterized in that for transmitting the applied payment amount information. The method according to claim 1, wherein the application program downloads a user interface (User Interface) generated in accordance with a predetermined graphical procedure to the mobile communication terminal, the user interface is a transaction history user interface (displayed details information of the payment amount) ( User interface) and a payment user interface for requesting payment to the self-payment server. The apparatus of claim 3, wherein the application program further comprises an amount input user interface including a field for receiving a payment amount, which is an amount to be paid by the user. Request a Dutch Pay payment to our payment server,
The self-payment server recognizes an affiliate store where payment is made through the affiliate store information when the Dutch pay payment is requested, and when the amount requested for the Dutch pay payment for the same affiliate store information does not match the initially calculated payment amount, payment is impossible. Self-payment system, characterized in that for transmitting the data to the application requesting the Dutch pay payment. The method according to any one of claims 1 to 4, wherein the affiliated store terminal comprises a display device, and generates a specialized image which is information encoded by the generated payment amount and the merchant information according to a preset encoding method, Display the generated specialized image on the display device;
The mobile communication terminal is provided with a photographing device, an image acquisition unit for controlling the photographing device to obtain the specialized image image displayed on the display device of the affiliated store terminal, and the specialized image image obtained through the image acquisition unit And an image analyzer to detect the payment amount information and the affiliated store information included in the specialized image by decoding the data according to a predetermined decoding method. The method of claim 5, wherein the merchant terminal has an output device, and outputs the generated specialized image through the output device,
The mobile communication terminal is a self-payment system, characterized in that for acquiring the image by photographing the specialized image output by the output device with the photographing device. The method according to any one of claims 1 to 4, wherein the merchant terminal includes an RFID tag, NFC (Near Field Communications) communication is supported to store the payment amount and the merchant information in the RFID tag,
The mobile terminal includes an RFID reader unit, NFC communication is supported so that the RFID reader unit receives the payment amount and the merchant information stored in the RFID tag of the merchant terminal.

Images