RU2794867C1 - System and method of information transmission using a mobile terminal - Google Patents

Abstract

FIELD: information transmission.

SUBSTANCE: present invention relates to a system and method for transmitting information using a mobile terminal, in particular, to a system and method for transmitting information. Method for transmitting information using a mobile terminal comprises: receiving, by a transmitting server, information, a payload and a recipient terminal ID from the mobile terminal; determining, by the communication server, a destination terminal to which the payload is to be transmitted using the ID of the destination terminal; generating, by the information transfer server, an instruction to be executed by a transfer program that is installed on the receiving terminal; and transfer, by the information transfer server, instructions and payloads to the transfer program.

EFFECT: increase in reliability when transferring the payload to each of the many programs for processing the receiving terminal.

17 cl, 9 dwg, 2 tbl

Description

Technical field

[1] The present invention relates to a system and method for transmitting information using a mobile terminal, and in particular, to a system and method for transmitting information capable of efficiently transmitting information in a mobile terminal despite a variety of applications provided by various service providers.

Prior Art

[2] Recently, a personal mobile terminal such as a smartphone has been widely adopted. A personal mobile terminal, such as a smartphone, has been designed to perform not only the function of a telephone for communicating with another party, but also the functions of Internet access, multimedia browsing, and mobile payments.

[3] As the function of the smartphone expands, it becomes possible to pay for goods purchased in offline stores, or to accumulate or deposit rewards in a member account using an application installed on a smartphone.

[4] When the payment or deposit of the reward is performed using a mobile terminal such as a smartphone, it is required to transmit information such as a card number or a membership ID stored in the smartphone to the retail store terminal.

[5] Recently, various service providers not only provide payment facilities in online trading floors, but even launch payment business in offline stores using a smartphone, and as a result, different payment plans have been adopted for each service provider.

[6] In particular, as the number of smart phone payment service providers increases, the types of payment plans also increase, and thus many problems arise.

[7] In particular, in order to make a payment using a smartphone in an offline store, payment information such as credit card information or a membership ID stored in the smartphone must be transmitted to a merchant terminal such as a point-of-sale (POS) system, but interface devices for transmitting payment information stored in a smartphone to the POS system are not unified, and thus each user transmits payment information using different unique interface devices.

[8] For example, some payment service providers provide specialized near field communication (NFC) readers to read payment information from smartphones, while some payment service providers provide a magnetic secure transfer (MST) method to use conventional magnetic card infrastructure without modification. . In addition, some payment service providers provide a way to read a quick response (QR) code displayed on a user's smartphone using a reader, other payment service providers provide a way to read a barcode displayed on a user's smartphone, and some payment service providers also use these methods in combination.

[9] As such, since each payment service provider independently installs the hardware interface for paying and depositing rewards, confusion and inconvenience for users increase, and this becomes a major obstacle to the growth of the mobile payment market for offline shopping using a smartphone.

[10] In addition, even in the aspect of offline merchants, there is a problem that whenever a new payment service provider appears, it is necessary to add new hardware to read payment information from a smartphone, it is necessary to install a new payment software program in the POS system, and the employees working in the merchant's store must be trained to handle each payment plan.

[11] Accordingly, a unified interface system and a method by which a smartphone can efficiently transmit payment information, membership information, etc. is needed. to some destination terminal despite the presence of different service providers.

Disclosure of invention

Technical problem

[12] The present invention has been made to solve the problems of the prior art mentioned above. Thus, it is an object of the present invention to provide a system and method for efficiently transmitting information stored in a user terminal to a receiving terminal.

Solution

[13] To solve the above problems, the present invention provides a method for transmitting information using a mobile terminal, comprising: receiving, by a transmitting server, information, a payload and a destination terminal ID from the mobile terminal; determining, by the communication server, a destination terminal to which the payload is to be transmitted using the ID of the destination terminal; generating, by the information transfer server, an instruction to be executed by a transfer program that is installed on the receiving terminal; and transfer, by the server transfer information, instructions and payloads to the transfer program.

[14] Details of examples or implementations will be described below with reference to the accompanying drawings. Other features will be apparent from the description and drawings, as well as from the claims.

Useful results of the invention

[15] The system and method of the present invention has the following technical advantages.

[16] When information stored in a mobile user terminal is to be transmitted to a certain recipient terminal, such information can be transmitted efficiently and effectively by a unified and integrated system regardless of the types of applications provided by different service providers.

[17] Since the payment hardware and process in the offline store are essentially consolidated into a single structure by applying the system and method of the present invention, the convenience for the retailer as well as the user of the mobile terminal can be improved.

[18] Any information can be efficiently transmitted to any merchant terminal without hardware such as a separate reader or scanner to read the transaction information from the user's mobile terminal.

Brief description of the drawings

[19] The present invention will become more fully understood from the following detailed description and the accompanying drawings, which are given by way of illustration only and thus are not intended to limit the scope of the present invention, while:

[20] FIG. 1 illustrates a communication system in accordance with an embodiment of the present invention;

[21] FIG. 2 illustrates an instruction transmission process in an information transmission server according to an embodiment of the present invention;

[22] FIG. 3 illustrates a signal processing circuit of an information transmission method according to an embodiment of the present invention;

[23] FIG. 4 illustrates the process of downloading a payment service application for transmitting payment information in accordance with an embodiment of the present invention;

[24] FIG. 5 illustrates a transaction authentication process using a transaction code;

[25] FIG. 6 illustrates a payment information transmission system in accordance with an embodiment of the present invention;

[26] FIG. 7 and 8 illustrate the process of transmitting a transaction code to a POS program in accordance with an embodiment of the present invention; And

[27] FIG. 9 illustrates the signal processing circuit of the payment information transmission system of FIG. 6 according to an embodiment of the present invention.

Best Mode for Invention

[28] The following is a detailed description in accordance with the examples disclosed in this document, with reference to the accompanying drawings. For brevity of description with reference to the drawings, the same or equivalent components may be given the same reference numerals and their description will not be repeated. In the following, any conventional prior art that is well known to a person skilled in the relevant art is generally omitted for the sake of brevity. The accompanying drawings are used to facilitate understanding of various technical features, and it should be understood that the examples provided herein are not limited to the accompanying drawings. Thus, the present invention is to be construed by extension to any alterations, equivalents and substitutions in addition to those set forth in particular in the accompanying drawings.

[29] A representation in the singular may include a representation in the plural, unless the context specifically implies otherwise.

[30] Terms such as "comprise", "include", or "have" are used throughout this document and should be understood to indicate the existence of multiple components, functions, or steps disclosed in the specification, and also it is understood that more or fewer components, functions or steps may also be used. In addition, for the same reasons, it should also be understood that the present invention includes a combination of features, numbers, steps, operations, components, details, and the like, partially omitted from related or involved features, numbers, steps, operations. , components and parts described using the aforementioned terms, unless deviating from the intent of the original disclosure.

[31] FIG. 1 illustrates a communication system according to an embodiment of the present invention.

[32] With reference to FIG. 1, the communication system according to the present invention includes a mobile terminal 13, a receiving terminal ID provider 14, a communication server 15, and a receiving terminal 16. The communication system further includes a processing program 161 and a forwarding program 162 installed in the receiving terminal 16.

[33] The recipient terminal ID provider 14 has identification information, i. e. an identifier (ID) corresponding to the recipient terminal 16. The recipient terminal ID may be implemented in the form of a Quick Response (QR) code, a barcode, or a Near Field Communication (NFC) tag. It may be preferable to implement the recipient terminal ID in the NFC tag for the convenience of the user. Accordingly, an embodiment using the NFC tag as the recipient terminal ID provider 14 will be described below.

[34] The mobile terminal 13 may be any device having a function of obtaining the recipient terminal ID from the recipient terminal ID provider 14 and transmitting the obtained recipient terminal ID to the communication server 15 . For example, mobile terminal 13 may be a smartphone, tablet PC, and the like. Next, an embodiment using a smartphone as the mobile terminal 13 will be described.

[35] In order to have the required information to be processed in the recipient terminal 16, the user executes the communication application installed on the user's own smartphone 13 and touches the smartphone 13 to the NFC tag 14 to obtain the recipient terminal ID. For example, the information transmission application may correspond to an application such as a reward deposit membership application, a payment application, and so on, which is configured to transmit specific information, i.e. Membership ID, transaction code, and so on to the receiving terminal.

[36] When the smartphone 13 receives the recipient terminal ID from the recipient terminal ID provider, that is, the NFC tag 14, the smartphone 13 transmits the recipient terminal ID and a predefined payload to the communication server 15. The payload refers to the target information transmitted from the smartphone 13 to the recipient terminal 16 for processing by any compatible program in the recipient terminal 16 to perform a predefined or intended function. For example, the payload could be credit card information for a payment, a membership ID for a reward deposit, and so on. In addition, the smartphone 13 can transmit not only the recipient terminal ID and payload, but also the communication application ID.

[37] The communication server 15 determines the recipient terminal 16 to which the received payload is transmitted among the plurality of recipient terminals 16 connected to the communication server 15. The destination terminal ID received from the smartphone 13 is used to determine the destination terminal 16 to which the payload is to be transmitted.

[38] The communication server 15 stores or recognizes the type of the processing program 161 installed in the recipient terminal 16 in advance, and the information transmission method performed by the transfer program 162 is determined according to the type of the processing program 161 installed in the recipient terminal 16.

[39] The communication server 15 transmits an instruction corresponding to the type of the processing program 161 installed in the receiving terminal 16 to the sending program 162 of the receiving terminal 16 to determine the transmission method for properly transmitting the received payload to the processing program 161.

[40] In one embodiment, when there is no predetermined procedure for transferring information between the processor 161 and the communication server 15, and the payload is simply needed to be transferred to some area of the interface of the processor 161, the transfer program 162 can operate as an input device, such as a virtual keyboard (type 01).

[41] In this case, the information transfer server 15 may send to the transfer program 162 an instruction for keyboard input of the payload from the cursor position in the input window, executed by the processing program 161 .

[42] In addition, the forwarder 162, which receives such an instruction from the communication server 15, inputs the received payload by keyboard input from the cursor position in the input window currently displayed on the destination terminal 16. For example, when the payload is a member ID for which some remuneration is to be deposited, and the member ID is "019987482094", the transfer program 162 inputs "019987482094" from the cursor position in the input window of the recipient terminal 16 according to the instruction received from the communication server 15.

[43] Alternatively, the communication server 15 may first transmit an instruction to execute the processing program 161 corresponding to the communication application ID, and then input the payload from the cursor position. Specifically, when the service provider that distributes the communication application is the same as the service provider that distributes the processing program 161, if the communication application ID is known to the communication server 15, the installed processing program 161 corresponding to it can be known. or identified by the information transmission server 15 .

[44] In addition, the communication server 15 may instruct to activate and display the input pop-up window corresponding to the communication application ID in the recipient terminal 16, and then input the payload from the cursor position of the input pop-up window.

[45] In another embodiment, the communication procedure is predetermined between the processing program 161 installed in the recipient terminal 16 and the communication server 15 (type 02). In this case, the information transfer server 15 transmits an instruction to perform a predetermined information transfer procedure to the transfer program 162 . The forwarder 162 receiving an instruction from the communication server 15 may transmit a payload to the processing program 161 by executing a predetermined procedure.

[46] In yet another embodiment, an attribute of the processing program 161 executing in the recipient terminal 16 is known to the communication server 15 (type 03). Even if the communication procedure is not predetermined between the processing program 161 and the communication server 15, when the attribute of the processing program 161 is already known to the communication server 15, the communication server 15 can set the manner in which some information is input to the processing program 161. Thus, the communication server 15 transmits an instruction to the processing program 162 to transmit a payload according to a method in which some information is input to the processing program 161, and the forwarding program 162 transmits the payload to the processing program 161 by executing the instruction received from server 15 information transmission.

[47] For example, when the processing program 161 is an Internet browser installed on a personal computer (PC), control configurations (eg, input boxes, selection tabs, pictures, texts, etc.) in the browser can be identified or determined in advance through browser analysis. Therefore, when the processing program 161 is "Chrome", which is an Internet browser, the input controls in the Chrome browser can be identified in advance, and an instruction for enabling the payload to be passed to the input controls can be generated and passed to the program. 162 transfers.

[48] FIG. 2 illustrates an instruction transmission process in an information transmission server according to an embodiment of the present invention.

[49] With reference to FIG. 2, the information transmission server 15 receives the recipient terminal ID and the payload transmitted from the smartphone 13 (S201). In addition, the communication server 15 can also receive the communication application ID.

[50] The communication application ID is an identifier for specifying an application that transmits the payload.

[51] The communication server 15 determines to which destination terminal 16 the payload is to be transmitted among the plurality of destination terminals 16 connected to the communication server 15 using the destination terminal ID (S202).

[52] Table 1 is an example of the relationship between the type of processing program that the receiving terminal may include and the instruction to be executed by the transfer program.

[53] [Table 1]

Destination terminal ID Type of machining program Communication Application ID Instruction 894939202 01 017 - Execute part program corresponding to application ID 017
- Enter payload from cursor position 937759627 01 056 - Enter payload from cursor position 856738289 03 012 - Search for part program corresponding to application ID 012
- Activate the desired program
- Transmit the payload in accordance with the information transfer procedure that corresponds to the activated program 826358223 02 003 - Search for part program corresponding to application ID 003
- Transmit payload according to predefined procedure 087625822 02 014 - Search for part program corresponding to application ID 014
- Transmit payload according to predefined procedure 726589123 01 031 - Activate the window for entering rewards
- Move the cursor to the left end of the window when deleting previously entered text
- Enter payload 382762345 01 001 - Activate the window for entering rewards
- Enter payload from cursor position --- --- --- ---

[54] The communication server 15 preferably has an instruction table corresponding to the ID of the destination terminal as shown in Table 1 above.

[55] The communication server 15 identifies the processing program 161 to receive the payload using the communication application ID (S203). When the communication server 15 identifies the processing program 161 for receiving the payload, the communication server 15 generates an instruction corresponding to the identified processing program 161 (S204).

[56] The communication server 15 transmits the generated instruction and the payload to the target destination terminal 16 (S205), and the instruction is executed by the forwarding program 162 of the destination terminal 16.

[57] In particular, the transfer program 162 is a program capable of executing any instructions in the background operation of the destination terminal 16, and is preferably an agent software.

[58] As described above, the communication server 15 of the present invention can identify the processing program 161 to receive the payload in advance, generate an instruction for transmitting information to the processing program 161, and allow the transmission program 162 to receive and execute the generated instruction. Therefore, the communication server 15 ensures that the payload is accurately transferred to the desired processor 161 regardless of the types of the processor 161 so that the payload is properly processed by the processor 161 in the destination terminal 16.

[59] FIG. 3 illustrates a signal processing circuit of an information transmission method according to an embodiment of the present invention.

[60] As shown in FIG. 3, the user executes the communication application for transmitting information stored in the mobile terminal, i. e. smartphone 13 to the recipient terminal 16 (S301). When the user touches the smartphone 13 to the recipient terminal ID provider, that is, the NFC tag 14, the recipient terminal ID stored in the NFC tag 14 is transmitted to the smartphone 13 (S302).

[61] The information transmission application of the smartphone 13 transmits the recipient terminal ID and the payload (ie, information to be transmitted to the recipient terminal) to the information transmission server 15 (S303). At the same time, the communication application ID may also be transmitted to the communication server 15 along with the destination terminal ID and the payload.

[62] The communication server 15 determines to which destination terminal 16 the payload is transmitted from the plurality of destination terminals 16 connected to the communication server 15 using the destination terminal ID received from the smartphone 13 (S304).

[63] The communication server 15 generates an instruction corresponding to the processing program 161 to receive the payload in the recipient terminal 16 (S305). For example, the communication server 15 may generate an instruction determining how to input a payload into the processing program 161 . Then, the communication server 15 transmits the instruction and the payload to the forwarder 162 in the recipient terminal 16 (S306).

[64] The transfer program 162 of the recipient terminal 16 executes the received instruction (S307) and transmits the payload to the processing program 161 as determined by the instruction (S308).

[65] The system and method as described above can be applied to the transmission of information for various functions or services such as user authentication, payment, data streaming, and so on. Any information received at the recipient terminal 16 by the system and method of the present invention may be further processed for such functions or services as provided. For example, information received at destination terminal 16 may be decoded and/or visually displayed at destination terminal 16 to achieve or provide intended functions or services. In addition, the received information may optionally be transmitted from the recipient terminal 16 to any external devices or terminals for any additional functions or services.

[66] Next, the payment information transmission method will be described as an example of the information transmission method according to the present invention. Since the information to be transmitted from the smartphone to the recipient terminal is payment information, the information transmission application of FIG. 1 and 2 corresponds to the payment service application in this embodiment.

[67] FIG. 4 illustrates the process of downloading a payment service application for transmitting payment information according to an embodiment of the present invention.

[68] As shown in FIG. 4, the payment service provider 42 deploys a payment service application having a payment service function and uploads the payment service application to the server 41. The payment service application has a payment service application ID and an execution file for transmitting payment information.

[69] At the same time that the payment service application has already been uploaded to the application server 41, the payment service provider 42 can access the application server 41 and update the payment service application. The updated payment service application also has a payment service application ID and an execution file for transferring payment information. The execution file for transmitting payment information may be configured in a library format in an application or program of a mobile terminal.

[70] The user can download and install the payment service application by accessing the application server 41 through a mobile terminal such as a smartphone 43.

[71] Alternatively, when the payment service application is already installed in the user's smartphone 43, the payment service application is configured to update to have a payment service application ID and an execution file for transmitting payment information.

[72] FIG. 5 illustrates a transaction authentication process using a transaction code.

[73] As shown in FIG. 5, when the user launches the payment service application on the smartphone 43 and completes the user authentication process for registering with the payment service application, the smartphone 43 sends the credit card ID and user authentication information to the payment authentication server 47 to receive the transaction code.

[74] In the process of registering the user's credit card information through the payment service application, a credit card ID corresponding to the user's real credit card number has already been generated. The generated credit card ID is stored in the smartphone 43 and the payment authentication server 47 .

[75] The payment authentication server 47 authenticates whether the user (i.e., smartphone 43) who requested the transaction code is legitimate, using the authentication information transmitted from the user's smartphone 43, and checks or confirms whether the credit card ID received is the same. from the smartphone 43, with the credit card ID previously generated during credit card registration.

[76] When user authentication and credit card ID confirmation are completed, the payment authentication server 47 generates and stores a transaction code corresponding to the credit card ID received from the smartphone 43. Then, the transaction code generated by the payment authentication server 47 is transmitted to the smartphone 43.

[77] When the transaction code received at the smartphone 43 is transmitted or returned to the payment authentication server 47 through the merchant terminal 16 via the smartphone 43, the payment authentication server 47 checks whether the transaction code received from the smartphone 43 matches the transaction code that was transmitted to the smartphone 43. When the match is confirmed, the payment authentication server 47 transmits the real credit card number corresponding to the received transaction code to the payment approval server 48.

[78] In some embodiments, a transaction code is a code used to authenticate a transaction and can be generated by changing only the remaining 10 digits, leaving 6 digits as is, from a real 16 digit credit card number. In addition, a transaction code can also be generated by adding a special identification code that specifies a "transaction code" for a 16-bit real credit card number.

[79] The generated transaction code is stored in the payment authentication server 47, and the generated transaction code corresponds to the actual credit card number and credit card ID. Since a transaction code can be generated and stored for each transaction according to a real credit card number and a card ID, the payment authentication server 47 can store a plurality of transaction codes corresponding to one real credit card number and one credit card ID. When a transaction is cancelled, the transaction corresponding to the transaction code is processed for cancellation.

[80] Table 2 shows an example of the manner in which transaction codes are generated and stored in the payment authentication server 47 with respect to a real credit card number and credit card ID.

[81] [Table 2]

User 1 Real credit card number #1 Credit Card ID #1 Transaction code #1 Transaction code #2 Transaction code #3 Transaction code #4 Real credit card number #2 Credit card ID #2 Transaction code #1 Transaction code #2 User 2 Real credit card number #1 Credit card ID #3 Transaction code #1 Transaction code #2 --- --- --- ---

[82] The user can register the user's credit card used for the transaction with the payment authentication server 47 using the payment service application in advance. When the user registers the user's own credit card in the payment authentication server 47 using the smartphone payment service application 43, a credit card ID corresponding to the actual credit card number can be generated and stored in the payment authentication server 47 as shown in Table 2.

[83] As shown in Table 2, a user can use multiple credit cards, and thus multiple real credit card numbers can be registered for one user. In addition, as a transaction code can be generated for each transaction, a plurality of transaction codes corresponding to one real credit card number can be generated and stored.

[84] FIG. 6 illustrates a payment information transmission system in accordance with an embodiment of the present invention.

[85] In the payment information transmission system shown in FIG. 6, the payload of FIG. 1 and 2 corresponds to the transaction code, and the recipient terminal ID provider 14 and the recipient terminal 16 in FIG. 1 and 2 correspond to the merchant terminal ID provider 44 and the merchant terminal 46, respectively.

[86] As shown in FIG. 6, the payment information transmission system according to one embodiment of the present invention includes a user's smartphone 43, a merchant terminal ID provider 44, a payment information transmission server 45, a merchant terminal 46, a payment authentication server 47, and a payment approval server 48.

[87] Merchant terminal ID provider 44 stores an ID uniquely assigned to each merchant terminal 46 .

[88] The merchant terminal 46 may correspond to an order processing and payment device in an offline store. In the following example, merchant terminal 46 is a point-of-sale (POS) system, merchant terminal ID provider 44 is a Near Field Communication (NFC) tag, and processing program 461 is a POS program.

[89] The merchant terminal ID provider 44 performs the function of storing the merchant terminal ID to identify the merchant terminal 46 and provide the stored merchant terminal ID to the smartphone 43, but does not transmit any information to the merchant terminal 46 directly. Thus, the merchant terminal ID provider 44 is not connected directly to the merchant terminal 46 in a wired or wireless manner.

[90] When the user executes the payment service application installed on the user's own smartphone 43, completes user authentication, and then requests a transaction code from the payment authentication server 47 to pay in a retail retail store, the payment authentication server 47 generates a transaction code and forwards the generated code transactions on a smartphone 43.

[91] Then, when the user brings the user's own smartphone 43 near the merchant terminal ID provider 44, which is an NFC tag, the smartphone 43 obtains the merchant terminal ID from the provider 44.

[92] Then, for further processing of the payment, the payment service application running on the user's smartphone 43 transmits, to the payment information transmission server 45, the transaction code and the ID of the merchant's terminal over the air. At the same time, the payment service application ID may be transmitted to the payment information transmission server 45 along with the transaction code and the merchant terminal ID. The wireless network may be a cellular network or a Wi-Fi network, or may also be any networks that smartphone 43 can access wirelessly.

[93] When the payment information transmission server 45 receives the merchant terminal ID from the smartphone 43, the payment information transmission server 45 determines, using the merchant terminal ID, to which merchant terminal 46 the received transaction code is transmitted, among the plurality of merchant terminals 46 connected to the transmission server 45 payment information.

[94] In addition, the payment information transmission server 45 generates an instruction to be executed by the transfer program 462 according to the processes as described in FIG. 1 and 2. Then, the payment information transmission server 45 transmits such an instruction, along with a transaction code, to the forwarder 462 in the merchant's terminal, that is, to the POS system 46.

[95] The transfer program 462 passes the transaction code to the processing program, i. e. the POS program 461 in the POS system 46 by executing the received instruction. Since the instruction received by the forwarder 462 is generated to match the POS program 461, the transaction code received from the payment information transmission server 45 can be accurately transmitted to the POS program 461 when the forwarder 462 executes such an instruction.

[96] FIG. 7 and 8 illustrate the process of transmitting a transaction code to a POS program according to an embodiment of the present invention.

[97] When the forwarding program 462 of the merchant terminal 46 receives the transaction code and the instruction from the payment information transmission server 45, the forwarding program 462 activates the payment window of the payment service provider, for example, "KakaoPay" in accordance with the received instruction, as shown in FIG. 7. Then, as shown in FIG. 8, the transfer routine 462 inserts the transaction code at the payment window cursor position, as determined by the received instruction.

[98] Then, the POS program 461 of the merchant terminal 46 receiving the transaction code transmits the transaction code to the payment authentication server 47, the payment authentication server 47 checks whether the transaction code received from the merchant terminal 46 matches the transaction code previously generated by the authentication server 47 payments and transferred to a smartphone 43.

[99] When a match is confirmed, the payment authentication server 47 transmits the real credit card number corresponding to the transaction code to the payment approval server 48 .

[100] FIG. 9 is a signal processing diagram of the payment information transmission system of FIG. 6.

[101] With reference to FIG. 9, when the user launches the payment service application installed on the user's smartphone 43 to pay (S901), the payment service application transmits user authentication information to the payment authentication server 47 to request a transaction code (S902).

[102] The payment authentication server 47 authenticates the user of the smartphone 43 using the received user authentication information (S903), and generates and stores a transaction code (S904). The payment authentication server 47 then transmits the generated transaction code to the user's smartphone 43 (S905).

[103] The user's smartphone 43 obtains a merchant terminal ID from the merchant terminal ID provider 44, for example, an NFC tag 44, when the user places the smartphone 43 on the NFC tag 44 (S906).

[104] The smartphone 43 transmits to the payment information transmission server 45 the transaction code received from the payment authentication server 47, the merchant terminal ID obtained from the NFC tag 44, and the payment service application ID (S907).

[105] The payment information transmission server 45 determines to which POS system 46 among the plurality of POS systems 46 connected to the server 45 the transaction code is to be transmitted based on the received merchant terminal ID (S908).

[106] In addition, the payment information transmission server 45 generates an instruction that corresponds to the POS program 461 using information like Table 1 that is stored in advance in the payment information transmission server 45 (S909).

[107] The payment information transmission server 45 transmits the transaction code and the generated instruction to the transfer program 462, which functions as the agent software of the POS system 46 (S910). Then, the agent software 462 executes the received instruction (S911) and transmits the transaction code to the POS program 461 (S912).

[108] The POS program 461 transmits the transaction code received from the agent software 462 to the payment authentication server 47 (S913), and the payment authentication server 47 checks whether the received transaction code matches the transaction code generated in step S904 (S914).

[109] When a match is confirmed, the payment authentication server 47 searches for the real credit card number corresponding to the transaction code with reference to Table 2, and transmits the searched credit card number to the payment approval server 48 (S915).

[110] Although several examples have been described, it should be understood that other modifications and implementations may be devised by those skilled in the art that will be within the spirit and scope of the principles of the present invention. More specifically, various changes and modifications to the structure or configuration are possible within the scope of the disclosure, the drawings, and the appended claims. In addition to configuration changes and modifications, alternative uses will also be apparent to those skilled in the art.

Claims (38)

1. A method for transmitting information using a mobile terminal, the method comprising the steps of: receiving, by the communication server, a payload ID of the recipient terminal and a communication application ID from the mobile terminal, wherein the communication application ID is an identifier of the communication application that is installed on the mobile terminal and configured to transmit the payload to the communication server; determining, by the communication server, a recipient terminal to which the payload is to be transmitted using the ID of the recipient terminal; identifying, by the communication server, a processing program using the communication application ID, wherein the processing program is installed in the receiving terminal and configured to be compatible with the payload for processing the payload; determining, by the information transmission server, a payload transmission method according to the identified processing program; generating, by the communication server, an instruction for transmitting the payload to the identified processing program in accordance with the determined transmission method, the instruction being executed by the forwarding program that is installed on the receiving terminal to transmit the payload to the processing program; And transmitting, by the information transfer server, the instruction and the payload to the transfer program of the receiving terminal. 2. The method of claim 1, wherein the instruction is configured to: causing the transfer program to search for the processing program corresponding to the information transfer application ID; instructing the transfer program to activate the found processing program; And instructing the forwarder to transmit the payload in accordance with a certain transmission method. 3. The method according to claim 2, further comprising the step of transmitting, by the transfer program of the receiving terminal, the received payload to the processing program by executing the received instruction. 4. The method of claim 1, wherein the transfer program contains agent software. 5. The method of claim 1, wherein the recipient terminal ID contains a Near Field Communication (NFC) tag ID. 6. The method of claim 1, wherein the payload includes a transaction code. 7. The method of claim 1, wherein the payload includes membership information. 8. The method of claim 1, wherein the recipient terminal comprises a point-of-sale (POS) system. 9. A system for transmitting information using a mobile terminal, the system comprising: a destination terminal ID provider configured to store a destination terminal ID and provide a destination terminal ID to a mobile terminal; a destination terminal configured to match the destination terminal ID; And a communication server configured to: receive a payload, a recipient terminal ID, and a communication application ID from the mobile terminal, wherein the communication application ID is an identifier of a communication application that is installed on the mobile terminal and configured to transmit the payload to the communication server; determine the recipient terminal using the ID of the recipient terminal; identify the processing program using the communication application ID, the processing program being installed on the receiving terminal and configured to be compatible with the payload for processing the payload; determine a payload transmission method according to the identified processing program; generating an instruction for transmitting the payload to the identified processing program according to the determined transmission method, the instruction being executed by the transfer program that is installed in the receiving terminal for transmitting the payload to the processing program; And pass the instruction and payload to the transfer program of the receiving terminal. 10. The system of claim 9, wherein the instruction is configured to: causing the transfer program to search for the processing program corresponding to the information transfer application ID; instructing the transfer program to activate the found processing program; And instructing the forwarder to transmit the payload in accordance with a certain transmission method. 11. The system of claim 9, wherein the receiving terminal's forwarder is configured to transmit the received payload to the processing program by executing the received instruction. 12. The system of claim. 9, in which the transfer program contains agent software. 13. The system of claim 9, wherein the instruction is configured to cause the agent software to pass the payload to the processing program in a keyboard input manner. 14. The system of claim 9, wherein the recipient terminal ID contains an NFC tag ID. 15. The system of claim 9, wherein the payload includes a transaction code. 16. The system of claim 9, wherein the payload includes membership information. 17. The system of claim. 9, in which the recipient terminal contains a POS system.

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