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WO2006036040A1 - System-and method for settling accounts using the payment terminal communicating with a mobile terminal by radio frequency - Google Patents

System-and method for settling accounts using the payment terminal communicating with a mobile terminal by radio frequency Download PDF

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Publication number
WO2006036040A1
WO2006036040A1 PCT/KR2005/002655 KR2005002655W WO2006036040A1 WO 2006036040 A1 WO2006036040 A1 WO 2006036040A1 KR 2005002655 W KR2005002655 W KR 2005002655W WO 2006036040 A1 WO2006036040 A1 WO 2006036040A1
Authority
WO
WIPO (PCT)
Prior art keywords
settlement
terminal
information
mobile communication
local area
Prior art date
Application number
PCT/KR2005/002655
Other languages
French (fr)
Inventor
Sang Kook Lee
Original Assignee
Jo, Bea Su
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Jo, Bea Su filed Critical Jo, Bea Su
Publication of WO2006036040A1 publication Critical patent/WO2006036040A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication

Definitions

  • This invention relation relates to a settlement system and method using a settlement terminal installed in each franchise, and more particularly to a settlement system and method using a settlementterminalperforminglocal area radiocommunicationwith a mobile communication terminal performing settlement through local area communication.
  • settlement when a charge is paid in a store, a restaurant or the like, settlement by not only cash but also a credit card has been generally conducted.
  • settlement is conducted by reading the credit card through a reader of a settlement terminal, which is installedin a franchise and connected to a card company through a wired network.
  • the non-contact settlement method has an advantage of convenience over a contact settlement method. That is, in this non-contact settlement method, a card bearer need not sign for settlement and settlement is achieved if only a card grazes a terminal lightly without being presented to a salesman.
  • this non-contact settlement method may be configured tobeusedtogetherwithanexistingcontactterminal.
  • when the non-contact card settlement method is introduced not only a general rectangular card but also cards of modified shape such as a wristwatch-like card may be used.
  • such cards may be basically loaded in a mobile telephone, thereby providing a card user with a convenience for the carrying of card.
  • a settlement system using the above-described conventional non-contact method will be described with reference to Fig. 1.
  • Fig. 1 is a schematic diagram of a settlement system using local area radio communication in the prior art.
  • a settlement terminal 130 installed in the franchise is connected to a VAN (value-added network) company 140, a card company 150 and so on like through a wired network, and settlement is conducted by input and transmitting settlement information through the settlement terminal 130.
  • VAN value-added network
  • a card company 150 and so on like
  • settlement is conducted by input and transmitting settlement information through the settlement terminal 130.
  • an auxiliary device such as Dongle 120, making the settlement possible is additionally installed.
  • a non-contact card 100 or a mobile communication terminal 110 containing an infrared communication module when put near the Dongle 120, it performs infrared communicationwiththe Dongle 120.
  • authentication information for example, personal information
  • the Dongle 120 refers to hardware allowing only an authorized user to copy or use specified software (particularly, high-priced software) . That is, the Dongle 120 may be called a hardware key, which is connectable to a parallel or serial port of a computer, for confirming whether or not a user is authorized and allowing an authorized user to access the computer before an application program is executed, and is a kind of a hardware-based illegal copy protection device that must be used together with a programtobe used in order to protect an illegal copy of software.
  • the Dongle 120 is also called a hardlock, ahardware key, a keylock, a hardware lock or the like.
  • theDongle 120 is connectedtothe settlement terminal 130 of the franchise, wired data transmission means (for example, RS232C) and so on for transmitting authentication information and so on for settlement, which is transmitted from the non-contact card 100 or the mobile communication terminal 110, to the settlement terminal 130.
  • wired data transmission means for example, RS232C
  • a franchise salesman inputs settlement money of a customer through the settlement terminal 130 and transmits the settlement information to the VAN company 140.
  • the VAN (value-added network) company may be a communication service provider different from common carrier and special categorycommunication service provider.
  • TheVAN company 140 realizes aprofitbyprovidingcardapprovalandinquiryservice. That is, the VAN company 140 mediates between the card company 150 and the franchise 130 and receives a commission for the card company 150 in turn for aid to the card approval and inquiry.
  • the VAN company 140 may be in charge of transfer account or settlement in on-line shopping malls as well as the credit card VAN business.
  • the conventional settlement system in the franchise has a disadvantage in that the settlement terminal 130 installed in the settlement system must be connected to a server of the VAN company 140 or the card company/financial institution 150 through wired communication means. Accordingly, there arises a problem in that the franchise must bear a basic charge or an access charge for connection through the communication means.
  • the settlement terminal 130 installed in the franchise has a disadvantage of restriction on mobility due to the connection through the wired communication means. That is, there arises a problem in that a businessman who runs a franchise while moving cannot use the above-mentioned settlement system .
  • the present invention provides a settlement system using a settlement terminal performing local area radio communication with a mobile communication terminal.
  • the settlement terminal includes local area radio communication means for performing local area radio communication with external devices, receives settlement information, and transmits the received settlement information to the external devices through the local area radio communication means.
  • the mobile communication terminal includes local area radio communication means for performing local area radio communication with external devices, receives the settlement information from the settlement terminal through the local area radio communication, performs user authentication based on the receivedsettlement information, andthentransmitsthe settlement information and user authentication information to a mobile communication network.
  • the settlement system includes a settlement server for receiving the settlement informationandtheuserauthenticationinformationfromthemobile communication terminal through the mobile communication network and performing a settlement process.
  • the present invention provides a settlement method using a settlement terminal performing local area radio communication with a mobile communication terminal.
  • the settlement method includes the steps of inputting settlement information through an input interface of the settlement terminal, transmitting the input settlement information to the mobile communication terminal of a user who wishes to settlemoneythrough local area radio communication means of the settlement terminal, performing user authentication in the mobile communication terminal that received the settlement information and then transmitting the settlement information to a settlement server through a mobile communication network, and receiving the settlement information in the settlement server from the mobile communication terminal and then performing settlement for the mobile communication terminal based on the received settlement information.
  • a settlement terminal installedbyanexistingVANcompanyormobile communication service provider is connected to an exclusive wired/wireless network for performing a settlement service.
  • the present invention suggests a settlement system and method for transmitting settlement information, which is input from a settlement terminal using wireless communication (RF/IrDA) , to a mobile communication terminal of purchaser, and transmitting the settlement information to a financial institution for settlement through the mobile communication terminal of the purchaser.
  • RF/IrDA wireless communication
  • the present invention provides a benefit of no burden of communication fees to the franchise.
  • the settlement terminal installed in the franchise is not directly connected to the VAN company or the financial institution through wired/wireless communication means, it is possible to move the settlement terminal.
  • Fig. l isa schematicdiagramillustratinga settlement system using local area radio communication in the prior art.
  • Fig.2 is a schematicdiagramillustratinga settlement system using a settlement terminal performing local area radio communication with a mobile communication terminal according to the present invention.
  • Fig.3 is a flow chart illustrating a settlement process using a settlement terminal performing local area radio communication with a mobile communication terminal according to the present invention.
  • Fig.4 is a schematicdiagramillustratinga settlement system using a settlement terminal performing local area radio communication with a mobile communication terminal according to an embodiment of the present invention.
  • Fig.5 is a flow chart illustrating a settlement process using a settlement terminal performing local area radio communication with a mobile communication terminal according to an embodiment of the present invention.
  • Fig.2 is a schematicdiagramillustratinga settlement system using a settlement terminal performing local area radio communication with a mobile communication terminal according to the present invention.
  • a settlement system according to the present invention does not transmit settlement information from a settlement terminal 200 of a franchise to a financial institution 240 as in the prior art, but transmits the settlement information from a mobile communication terminal 210 of a user to the financial institution 240.
  • the settlementterminal200 communicateswiththemobile communication terminal 210 near the terminal 200 through local area radio communication.
  • the mobile communication terminal 210 receives the settlement information from the settlement terminal 200 of the franchise andtransmits the settlement information, alongwith user information, to the financial institution 240 performing settlement after confirming the settlement information.
  • the settlement information and the user information transmitted from the mobile communication terminal 210 are first transmitted to a settlement service provider 230 through a mobile communication network 220.
  • the settlement service provider 230 transmits the settlement information to the financial institution 240 for settlement according to a settlement mode selected by the mobile communication terminal 210.
  • the mobile communication terminal 210 of the user who wishes to settle money is used as settlement information transmission means in the settlement system according the present invention.
  • the settlement terminal 200 since the settlement terminal 200 according to the present invention for transmitting the settlement information to the mobile communication terminal 210 doest not directly transmit the settlement information to the financial institution 240, it need not be connected to any communication network. However, since the settlementterminal 200musttransmit the settlement information through the mobile communication terminal 210 of the user who wishes to settle money, it must communicate with the mobile communication terminal 210.
  • the settlement terminal 200 may be implemented to communicate with the mobile communication terminal 210 based on an infrared communication international standard (IrFM) .
  • IrFM infrared communication international standard
  • IrFM infrared communication international standard
  • IrDA international infrared data association
  • An IrFM communication system does not require permission for frequency use because this system uses light, not radio waves and has an advantage of wide bandwidth, high transmission speed, low power consumption and low costs of parts.
  • Fig.3 is a flow chart illustrating a settlement process using a settlement terminal performing local area radio communication with a mobile communication terminal according to the present invention.
  • Step 301 when a use wishes to settle money to a franchise using the settlement system of the present invention, he inputs settlement information including the settlement money through a settlement terminal of the franchise (Step 301) .
  • the settlementinformationinputthroughthe settlement terminal is transmitted to the mobile communication terminal of the user through local area radio communication means (Step 302) .
  • the mobile communication terminal must be located nearthe settlement terminal tomake local area radio communication between the settlement terminal and the mobile communication terminal possible.
  • the mobile communication terminal of the user that received the settlement information indicates that the settlement information was correctly received and prompts the user to input his password for authentication of the settlement process (Step 303) .
  • the settlement information is transmitted to a relevant financial institution through a mobile communication network (Step 304) .
  • the financial institution that received the settlement information confirms the received settlement information and approves and processes the settlement. Then, the financial institution feeds back a result of the approval and process of the settlement to the mobile communication terminal of the user (Step 306) .
  • settlement approval information that was fed back to the mobile communication terminal of the user may be again transmitted to the settlement terminal through the local area radio communication means.
  • the settlement terminal that receivedthe settlement approval information mayoutput a relevant receipt (Step 307) .
  • Fig.4 is a schematicdiagramillustratinga settlement system using a settlement terminal performing local area radio communication with a mobile communication terminal according to an embodiment of the present invention.
  • the franchise 400 inputs settlement information (for example, settlement money, settlement mode) and so on) through a settlement terminal 410 according to the present invention.
  • the settlement terminal 410 encrypts the input settlement information and communicates with the mobile communication terminal 420 of the user in order to process the settlement money based on the settlement information according to the present invention.
  • the settlementterminal 420 waitsasettlementauthentication signal from the mobile communication terminal 420.
  • the settlement information is transmitted from the settlement terminal 410 to the user mobile communication terminal 420 through local area radio communicationmeans.
  • the usermobile communication terminal 420 that received the settlement information fromthe settlement terminal 410 is input with a user' s password from the user for user authentication, encrypts user authentication information and the settlement information, and then transmits the encrypted information to a wireless network.
  • the encrypteduser authenticationinformationand settlement information is transmitted to a settlement server 430 through a communication network.
  • the encrypted user authentication information and settlement information received in the settlement server 430 are decrypted.
  • the settlement server 430 confirms the user authentication from the decrypted user authentication information and confirms user settlement authentication.
  • the settlement server 430 confirms the settlement money input through the settlement terminal 410 from the decrypted settlement information.
  • the settlement server 430 requests a financial institution 450 to process the settlement money for the authenticated user. That is, settlement money information and the user authentication information are transmitted from the settlement server 430 to the financial institution 450.
  • the financial institution 450 confirms the received user authentication information and the settlement money information and decides settlement approval.
  • the settlement process may be performed through a card company 452, a bank 453, or a third settlement institution 454.
  • settlement approval information is fed back to the settlement server 430.
  • the settlement approval information is transmitted to National Tax Service 440 for linkage with an electronic tax administration service. That is, the National Tax Service 440 stores the settlement information in the account of a franchise that conducts the settlement.
  • Fig.5 is a flow chart illustrating a settlement process using a settlement terminal performing local area radio communication with a mobile communication terminal according to an embodiment of the present invention.
  • a settlement request signal is input through a settlement terminal input interface of the settlement terminal for performing a settlement process according to en embodiment of the present invention (Step 501) .
  • a settlement module of the settlement terminal requests a user of the settlement terminal to input settlement money according to the input settlement request signal (Step 502) .
  • the settlement module requests the user to select settlement means (Step 504) .
  • the settlement module of the settlement terminal requests settlement request confirmation (Step 506) and completes the settlement information input process (Step 301 in Fig.
  • a communication module of the settlement terminal determines whether or not the mobile communication terminal of the user who wishes to settle money approaches the settlement terminal, and identifies the approaching mobile communication terminal (Step 508) .
  • the settlement module of the settlement terminal encrypts identification informationandsettlement informationandtransmitstheencrypted information to the communication module (Step 509) .
  • the communication module transmits the settlement informationtotheapproachingmobile communicationterminal (Step 510) .
  • Themobile communication terminal receives the transmitted settlement information and confirms through the received settlement information whether or not the settlement information is correctly transmitted (Step 511) .
  • the mobile communication terminal prompts a user of the mobile communication terminal to input a settlement password (Step 512) and is input with the settlement password through an input interface of the mobile communication terminal (Step 513) .
  • the settlement information received in the mobile communication terminal is encrypted (Step 514) .
  • the encrypted settlement information is transmitted to a mobile communication network (Step 515) .
  • the mobile communication network receives the settlement information and stores information on the mobile communication terminal (Step 516) .
  • themobile communicationnetwork transmits thereceived settlement information to a settlement server (Step 517)
  • the settlement server stores the transmitted settlement information (Step 518) .
  • the settlement server identifies the received settlement information and searches a decryption method (Step 519) .
  • the received settlement information is decrypted according to the searched decryption method (Step 520) , and then the settlement server requests a financial company, a settlement institution or a virtual account to settle money (Step 521) .
  • the financial company or the settlement institution identifies the settlement information according to the received settlement request (Step 522) and inquires an excess over a balance or a limit (Step 523) .
  • the financial company or the settlement institution approves the settlement (Step 524) and transfers the settlement money to a requested account or processes the settlement (Step 525) .
  • the financial company or the settlement institution stores settlement approval information accordingtoaresult ofthe settlement (Step526) andthentransmits the settlement approval information to the settlement server (Step 527) .
  • the settlement server receives the settlement approval information from the financial company or the settlement institution, and, if the settlement is cash settlement or a request of transmission of the settlement information to National Tax Service is registered, transmits the settlement information to the National Tax Service (Step 528) .
  • the settlement approval information is transmitted to the mobile communication network (Step 529) , and then is fedback fromthemobile communicationnetworkto themobile communication terminal of the user who requests the settlement
  • the mobile communication terminal receives the settlement approval information from the settlement server and transmits the settlement approval information to the communication module of the settlement terminal through the local area radio communication means (Step 531) .
  • the communication module of the settlement terminal receives the settlement approval information from the mobile communication terminal and transmits the settlement approval information to the settlement module of the settlement terminal (Step 532) .
  • the settlement module of the settlement terminal stores the settlement approval information received from the communication module (Step 533) and output the settlement approval information (Step 534) .
  • the present invention while a franchise must bear a basic charge or an access charge for connection since an existing credit card inquiry machine installed in a franchise is connected to a wired or wireless communication network, a benefit of no burden of communication fees can be provided to the franchise since the settlement system of the present invention uses a data transfer method using a mobile communication terminal.
  • the settlement system of the present invention since the settlement terminal installed in the franchise is not directly connected to the VAN company or the financial institution through wired/wireless communication means, the present invention provides an advantage of mobility of the settlement terminal.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Signal Processing (AREA)
  • Finance (AREA)
  • Computer Hardware Design (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Disclosed is a settlement method using a settlement terminal performing local area radio communication with a mobile communication terminal . The settlement method includes the steps of inputting settlement information through an input interface of the settlement terminal, transmitting the input settlement information to the mobile communication terminal of a user who wishes to settle money through local area radio communication means of the settlement terminal, performing user authentication in the mobile communication terminal that received the settlement information and then transmitting the settlement information to a settlement server through a mobile communication network, and receiving the settlement information in the settlement server from the mobile communication terminal and then performing settlement for the mobile communication terminal based on the received settlement information.

Description

SYSTEMANDMETHOD FORSETTLINGACCOUNTSUSINGTHE PAYMENT TERMINAL COMMUNICATING WITH A MOBILE TERMINAL BY RADIO FREQUENCY
TECHNICAL FIELD This invention relation relates to a settlement system and method using a settlement terminal installed in each franchise, and more particularly to a settlement system and method using a settlementterminalperforminglocal area radiocommunicationwith a mobile communication terminal performing settlement through local area communication.
BACKGROUND ART
In general, when a charge is paid in a store, a restaurant or the like, settlement by not only cash but also a credit card has been generally conducted. As a settlementmethodbythe credit card, settlement is conducted by reading the credit card through a reader of a settlement terminal, which is installedin a franchise and connected to a card company through a wired network.
On the other hand, recently, in addition to the settlement method using the credit card, mobile telephone settlement methods using non-contact RF (radio frequency) access devices have been proposed and put to practice use. In addition, a non-contact settlement method using a credit card containing a RF module has been proposed. In the non-contact settlement method using the credit card, settlement is achieved if only the credit card is brought near a card reader. For this non-contact settlement method, some communication companies have employed an infrared scan system for credit card settlement. However, an RF system has been used only for a prepaid traffic card and the like, which are mainly used for micro payment, and has not been introduced to a credit card because of problems related to security.
The non-contact settlement method has an advantage of convenience over a contact settlement method. That is, in this non-contact settlement method, a card bearer need not sign for settlement and settlement is achieved if only a card grazes a terminal lightly without being presented to a salesman. In addition, this non-contact settlement method may be configured tobeusedtogetherwithanexistingcontactterminal. Inaddition, when the non-contact card settlement method is introduced, not only a general rectangular card but also cards of modified shape such as a wristwatch-like card may be used. In addition, such cards may be basically loaded in a mobile telephone, thereby providing a card user with a convenience for the carrying of card. Hereinafter, a settlement system using the above-described conventional non-contact method will be described with reference to Fig. 1.
Fig. 1 is a schematic diagram of a settlement system using local area radio communication in the prior art. Referring to Fig. 1, in a conventional settlement system in a franchise and the like, a settlement terminal 130 installed in the franchise is connected to a VAN (value-added network) company 140, a card company 150 and so on like through a wired network, and settlement is conducted by input and transmitting settlement information through the settlement terminal 130. In addition, if settlement is to be conducted through a non-contact card or a mobile communication terminal, as described above, an auxiliary device, such as Dongle 120, making the settlement possible is additionally installed. More specifically, when a non-contact card 100 or a mobile communication terminal 110 containing an infrared communication module is put near the Dongle 120, it performs infrared communicationwiththe Dongle 120. Inthe infraredcommunication, authentication information (for example, personal information) for settlement and so on is transmitted from the non-contact card
100 or the mobile communication terminal 110 to the Dongle 120.
Here, the Dongle 120 refers to hardware allowing only an authorized user to copy or use specified software (particularly, high-priced software) . That is, the Dongle 120 may be called a hardware key, which is connectable to a parallel or serial port of a computer, for confirming whether or not a user is authorized and allowing an authorized user to access the computer before an application program is executed, and is a kind of a hardware-based illegal copy protection device that must be used together with a programtobe used in order to protect an illegal copy of software. The Dongle 120 is also called a hardlock, ahardware key, a keylock, a hardware lock or the like.
Ontheotherhand, theDongle 120 is connectedtothe settlement terminal 130 of the franchise, wired data transmission means (for example, RS232C) and so on for transmitting authentication information and so on for settlement, which is transmitted from the non-contact card 100 or the mobile communication terminal 110, to the settlement terminal 130.
At this time, a franchise salesman inputs settlement money of a customer through the settlement terminal 130 and transmits the settlement information to the VAN company 140.
Here, the VAN (value-added network) company may be a communication service provider different from common carrier and special categorycommunication service provider. TheVAN company 140 realizes aprofitbyprovidingcardapprovalandinquiryservice. That is, the VAN company 140 mediates between the card company 150 and the franchise 130 and receives a commission for the card company 150 in turn for aid to the card approval and inquiry. In addition, the VAN company 140 may be in charge of transfer account or settlement in on-line shopping malls as well as the credit card VAN business.
In the above-mentioned conventional settlement system in the franchise, information contained in the credit card is read and settlement money is input through the settlement terminal 130 installed in the franchise, and the settlement is conducted by transmittingthe input informationtothecardcompany, a financial institution and the like 150 the VAN company 140.
However, the conventional settlement system in the franchise has a disadvantage in that the settlement terminal 130 installed in the settlement system must be connected to a server of the VAN company 140 or the card company/financial institution 150 through wired communication means. Accordingly, there arises a problem in that the franchise must bear a basic charge or an access charge for connection through the communication means. In addition, the settlement terminal 130 installed in the franchise has a disadvantage of restriction on mobility due to the connection through the wired communication means. That is, there arises a problem in that a businessman who runs a franchise while moving cannot use the above-mentioned settlement system .
SUMMARY OF THE INVENTION
It is therefore an object of the present invention to provide a settlement system and method using a settlement terminal performing local area radio communication with a mobile communication terminal, which is capable of inputting settlement information using the settlement terminal and transmitting the inputted settlement information to a financial institution for settlement through the mobile communication terminal.
To achieve the above objects, according to an aspect, the present invention provides a settlement system using a settlement terminal performing local area radio communication with a mobile communication terminal. The settlement terminal includes local area radio communication means for performing local area radio communication with external devices, receives settlement information, and transmits the received settlement information to the external devices through the local area radio communication means. The mobile communication terminal includes local area radio communication means for performing local area radio communication with external devices, receives the settlement information from the settlement terminal through the local area radio communication, performs user authentication based on the receivedsettlement information, andthentransmitsthe settlement information and user authentication information to a mobile communication network. In addition, the settlement system includes a settlement server for receiving the settlement informationandtheuserauthenticationinformationfromthemobile communication terminal through the mobile communication network and performing a settlement process.
According to another aspect, the present invention provides a settlement method using a settlement terminal performing local area radio communication with a mobile communication terminal. The settlement method includes the steps of inputting settlement information through an input interface of the settlement terminal, transmitting the input settlement information to the mobile communication terminal of a user who wishes to settlemoneythrough local area radio communication means of the settlement terminal, performing user authentication in the mobile communication terminal that received the settlement information and then transmitting the settlement information to a settlement server through a mobile communication network, and receiving the settlement information in the settlement server from the mobile communication terminal and then performing settlement for the mobile communication terminal based on the received settlement information. In the conventional settlement method in a franchise, a settlement terminal installedbyanexistingVANcompanyormobile communication service provider is connected to an exclusive wired/wireless network for performing a settlement service. On the contrary, the present invention suggests a settlement system and method for transmitting settlement information, which is input from a settlement terminal using wireless communication (RF/IrDA) , to a mobile communication terminal of purchaser, and transmitting the settlement information to a financial institution for settlement through the mobile communication terminal of the purchaser.
Accordingly, while a franchise must bear a basic charge or an access charge for connection since an existing credit card inquiry machine used by the franchise is connected to a wired or wireless communication network, the present invention provides a benefit of no burden of communication fees to the franchise. In addition, in the settlement system of the present invention, since the settlement terminal installed in the franchise is not directly connected to the VAN company or the financial institution through wired/wireless communication means, it is possible to move the settlement terminal.
BRIEF DESCRIPTION OF THE DRAWING
Fig. lisa schematicdiagramillustratinga settlement system using local area radio communication in the prior art.
Fig.2 is a schematicdiagramillustratinga settlement system using a settlement terminal performing local area radio communication with a mobile communication terminal according to the present invention. Fig.3 is a flow chart illustrating a settlement process using a settlement terminal performing local area radio communication with a mobile communication terminal according to the present invention.
Fig.4 is a schematicdiagramillustratinga settlement system using a settlement terminal performing local area radio communication with a mobile communication terminal according to an embodiment of the present invention.
Fig.5 is a flow chart illustrating a settlement process using a settlement terminal performing local area radio communication with a mobile communication terminal according to an embodiment of the present invention.
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following detailed description of the present invention, concrete description on related functions or constructions will be omitted if it is deemed that the functions and/or constructions may unnecessarily obscure the gist of the present invention.
Fig.2 is a schematicdiagramillustratinga settlement system using a settlement terminal performing local area radio communication with a mobile communication terminal according to the present invention. Referring to Fig. 2, a settlement system according to the present invention does not transmit settlement information from a settlement terminal 200 of a franchise to a financial institution 240 as in the prior art, but transmits the settlement information from a mobile communication terminal 210 of a user to the financial institution 240.
More specifically, when the settlement information is first input to the settlement terminal 200 of the franchise, the settlementterminal200 communicateswiththemobile communication terminal 210 near the terminal 200 through local area radio communication. The mobile communication terminal 210 receives the settlement information from the settlement terminal 200 of the franchise andtransmits the settlement information, alongwith user information, to the financial institution 240 performing settlement after confirming the settlement information. At this time, before being transmitted to financial institution 240, the settlement information and the user information transmitted from the mobile communication terminal 210 are first transmitted to a settlement service provider 230 through a mobile communication network 220. Then, the settlement service provider 230 transmits the settlement information to the financial institution 240 for settlement according to a settlement mode selected by the mobile communication terminal 210.
That is, while means for transmitting the settlement information to the financial institution for settlement was the settlement terminal (130 in Fig. 1) installed in the franchise, the mobile communication terminal 210 of the user who wishes to settle money is used as settlement information transmission means in the settlement system according the present invention.
Onthe otherhand, since the settlement terminal 200 according to the present invention for transmitting the settlement information to the mobile communication terminal 210 doest not directly transmit the settlement information to the financial institution 240, it need not be connected to any communication network. However, sincethe settlementterminal 200musttransmit the settlement information through the mobile communication terminal 210 of the user who wishes to settle money, it must communicate with the mobile communication terminal 210.
Accordingly, for implementation of the present invention, it is required that the settlement terminal 200 and the mobile communicationterminal210includealocalarearadiocommunication module allowing local area radio communication between the settlement terminal 200 andthemobile communication terminal 210. Forexample, aRFcommunicationmethodoraninfraredcommunication methodmaybe used as local area communicationmeans. On the other hand, it is preferable to contain a smart card for settlement and a secret communicationmodule for settlement within the settlement terminal 200.
For example, the settlement terminal 200 may be implemented to communicate with the mobile communication terminal 210 based on an infrared communication international standard (IrFM) . In general, I-Cue™ (IrFM) , whichwas formallyadopted as the infrared communication international standard (IrFM) by international infrared data association (IrDA) , has been used as settlement standard of a portable personal information device such as PDA all over the world. An IrFM communication system does not require permission for frequency use because this system uses light, not radio waves and has an advantage of wide bandwidth, high transmission speed, low power consumption and low costs of parts.
Fig.3 is a flow chart illustrating a settlement process using a settlement terminal performing local area radio communication with a mobile communication terminal according to the present invention.
Referring to Fig. 3, when a use wishes to settle money to a franchise using the settlement system of the present invention, he inputs settlement information including the settlement money through a settlement terminal of the franchise (Step 301) .
Then, the settlementinformationinputthroughthe settlement terminal is transmitted to the mobile communication terminal of the user through local area radio communication means (Step 302) . At this time, the mobile communication terminal must be located nearthe settlement terminal tomake local area radio communication between the settlement terminal and the mobile communication terminal possible. On the other hand, if a plurality of mobile communication terminals is detectednear the settlement terminal, it is preferable to output an error message and progress the settlement process again.
The mobile communication terminal of the user that received the settlement information indicates that the settlement information was correctly received and prompts the user to input his password for authentication of the settlement process (Step 303) .
When the password is correctly input, the settlement information is transmitted to a relevant financial institution through a mobile communication network (Step 304) . The financial institution that received the settlement information confirms the received settlement information and approves and processes the settlement. Then, the financial institution feeds back a result of the approval and process of the settlement to the mobile communication terminal of the user (Step 306) . On the other hand, settlement approval information that was fed back to the mobile communication terminal of the user may be again transmitted to the settlement terminal through the local area radio communication means. The settlement terminal that receivedthe settlement approval informationmayoutput a relevant receipt (Step 307) .
So far, the settlement system and method according to the present invention have been described in a general sense. Hereinafter, the settlement process according to embodiments of the present invention will be more concretely described by way of examples with reference to Figs. 4 and 5.
Fig.4 is a schematicdiagramillustratinga settlement system using a settlement terminal performing local area radio communication with a mobile communication terminal according to an embodiment of the present invention. Referring to Fig. 4, when a user wishes to settle money for purchase of services or goods to a franchise 400, the franchise 400 inputs settlement information (for example, settlement money, settlement mode) and so on) through a settlement terminal 410 according to the present invention. Then, the settlement terminal 410 encrypts the input settlement information and communicates with the mobile communication terminal 420 of the user in order to process the settlement money based on the settlement information according to the present invention. At this time, since it is preferable that the settlement terminal 410 performs local area radio communication with the mobile communication terminal 420 of the user, the settlementterminal 420waitsasettlementauthentication signal from the mobile communication terminal 420.
On the other hand, when the mobile communication terminal 420 approaches the settlement terminal 410 to process the settlement, the settlement information is transmitted from the settlement terminal 410 to the user mobile communication terminal 420 through local area radio communicationmeans. The usermobile communication terminal 420 that received the settlement information fromthe settlement terminal 410 is input with a user' s password from the user for user authentication, encrypts user authentication information and the settlement information, and then transmits the encrypted information to a wireless network.
The encrypteduser authenticationinformationand settlement information is transmitted to a settlement server 430 through a communication network. The encrypted user authentication information and settlement information received in the settlement server 430 are decrypted. At this time, the settlement server 430 confirms the user authentication from the decrypted user authentication information and confirms user settlement authentication. In addition, the settlement server 430 confirms the settlement money input through the settlement terminal 410 from the decrypted settlement information.
Then, the settlement server 430 requests a financial institution 450 to process the settlement money for the authenticated user. That is, settlement money information and the user authentication information are transmitted from the settlement server 430 to the financial institution 450. The financial institution 450 confirms the received user authentication information and the settlement money information and decides settlement approval. On the other hand, depending on a settlement account or a settlement mode selected by the user, the settlement process may be performed through a card company 452, a bank 453, or a third settlement institution 454. After settlement process of the financial institution 450, settlement approval information is fed back to the settlement server 430. At this time, if the settlement mode of the user is cash settlement, the settlement approval information is transmitted to National Tax Service 440 for linkage with an electronic tax administration service. That is, the National Tax Service 440 stores the settlement information in the account of a franchise that conducts the settlement.
On the other hand, the settlement server 430 informs the user of correct progress of the settlement process by feeding back the received settlement approval information to the mobile communication terminal 420 of the user. In addition, the settlement approval information may be again transmitted to and output by the settlement terminal 410 through the local area radio communication. Fig.5 is a flow chart illustrating a settlement process using a settlement terminal performing local area radio communication with a mobile communication terminal according to an embodiment of the present invention.
Referring to Fig. 5, a settlement request signal is input through a settlement terminal input interface of the settlement terminal for performing a settlement process according to en embodiment of the present invention (Step 501) . At this time, a settlement module of the settlement terminal requests a user of the settlement terminal to input settlement money according to the input settlement request signal (Step 502) . When the settlement money is input through the input interface according to the settlement money input request (Step 503) , the settlement module requests the user to select settlement means (Step 504) . Then, when the settlement means is selected through the input interface (Step 505) , the settlement module of the settlement terminal requests settlement request confirmation (Step 506) and completes the settlement information input process (Step 301 in Fig. 3) through the settlement terminal by making a request for settlement through the input interface according to this confirmation request (Step 507) . On the other hand, a communication module of the settlement terminal determines whether or not the mobile communication terminal of the user who wishes to settle money approaches the settlement terminal, and identifies the approaching mobile communication terminal (Step 508) . In addition, the settlement module of the settlement terminal encrypts identification informationandsettlement informationandtransmitstheencrypted information to the communication module (Step 509) .
The communication module transmits the settlement informationtotheapproachingmobile communicationterminal (Step 510) . Themobile communication terminal receives the transmitted settlement information and confirms through the received settlement information whether or not the settlement information is correctly transmitted (Step 511) . Then, the mobile communication terminal prompts a user of the mobile communication terminal to input a settlement password (Step 512) and is input with the settlement password through an input interface of the mobile communication terminal (Step 513) .
The settlement information received in the mobile communication terminal is encrypted (Step 514) . The encrypted settlement information is transmitted to a mobile communication network (Step 515) . The mobile communication network receives the settlement information and stores information on the mobile communication terminal (Step 516) . Then, themobile communicationnetworktransmits thereceived settlement information to a settlement server (Step 517) , and the settlement server stores the transmitted settlement information (Step 518) . In addition, the settlement server identifies the received settlement information and searches a decryption method (Step 519) . Then, the received settlement information is decrypted according to the searched decryption method (Step 520) , and then the settlement server requests a financial company, a settlement institution or a virtual account to settle money (Step 521) . The financial company or the settlement institution identifies the settlement information according to the received settlement request (Step 522) and inquires an excess over a balance or a limit (Step 523) . As a result of the inquiry, if the settlement is possible, the financial company or the settlement institution approves the settlement (Step 524) and transfers the settlement money to a requested account or processes the settlement (Step 525) . After processing the settlement, the financial company or the settlement institution stores settlement approval information accordingtoaresult ofthe settlement (Step526) andthentransmits the settlement approval information to the settlement server (Step 527) .
The settlement server receives the settlement approval information from the financial company or the settlement institution, and, if the settlement is cash settlement or a request of transmission of the settlement information to National Tax Service is registered, transmits the settlement information to the National Tax Service (Step 528) .
In addition, the settlement approval information is transmitted to the mobile communication network (Step 529) , and then is fedback fromthemobile communicationnetworkto themobile communication terminal of the user who requests the settlement
(Step 530) .
The mobile communication terminal receives the settlement approval information from the settlement server and transmits the settlement approval information to the communication module of the settlement terminal through the local area radio communication means (Step 531) . The communication module of the settlement terminal receives the settlement approval information from the mobile communication terminal and transmits the settlement approval information to the settlement module of the settlement terminal (Step 532) .
The settlement module of the settlement terminal stores the settlement approval information received from the communication module (Step 533) and output the settlement approval information (Step 534) .
INDUSTRIAL APPLICABILITY
According to the present invention, while a franchise must bear a basic charge or an access charge for connection since an existing credit card inquiry machine installed in a franchise is connected to a wired or wireless communication network, a benefit of no burden of communication fees can be provided to the franchise since the settlement system of the present invention uses a data transfer method using a mobile communication terminal. In addition, in the settlement system of the present invention, since the settlement terminal installed in the franchise is not directly connected to the VAN company or the financial institution through wired/wireless communication means, the present invention provides an advantage of mobility of the settlement terminal.
While the present invention has been particularly shown and describedwith reference to exemplary embodiments thereof, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention as defined by the appended claims and equivalents thereof.

Claims

1. A settlement system using a settlement terminal performing local area radio communication with a mobile communication terminal, wherein the settlement terminal includes local area radio communicationmeans for performing local area radio communication with external devices, receives settlement information, and transmits the received settlement information to the external devices through the local area radio communication means, whereinthemobile communicationterminal includes localarea radio communication means for performing local area radio communication with external devices, receives the settlement information from the settlement terminal through the local area radio communication, performs user authentication based on the receivedsettlementinformation, andthentransmitsthesettlement information and user authentication information to a mobile communication network, and wherein the settlement system includes a settlement server for receiving the settlement information and the user authentication information fromthemobile communicationterminal through the mobile communication network and performing a settlement process.
2. The settlement system according to claim 1, wherein the user authentication is performed when a user inputs a preset password.
3. The settlement system according to claim 1, wherein the settlement information and the user authentication information transmitted from the mobile communication terminal are encrypted and transmitted.
4. The settlement system according to claim 3, wherein the transmitted settlement information and the user authentication information encrypted in the mobile communication terminal are decrypted in the settlement server.
5. The settlement system according to claim 1, wherein the settlement server performs the settlement through a relevant financial institution for settlement and feeds back a result of settlement approval to the mobile communication terminal.
6. The settlement systemaccordingto claim5, whereinthe result of settlement approval fed back to the mobile communication terminal is transmitted to the settlement terminal through the local area radio communication means.
7. The settlement system according to claim 6, wherein the settlement terminal outputs the received result of settlement approval through output means.
8. The settlement systemaccording to claim 1, wherein the local area radio communication means is RF communication means.
9. The settlement systemaccording to claim 1, wherein the local area radio communication means is infrared communication means.
10. A settlement method using a settlement terminal performing localarearadiocommunicationwithamobilecommunicationterminal, the settlement method comprising the steps of: inputting settlement information through an input interface of the settlement terminal; transmitting the input settlement information to the mobile communication terminal of a userwho wishes to settlemoney through local area radio communication means of the settlement terminal; performing user authentication in the mobile communication terminal that received the settlement information and then transmitting the settlement information to a settlement server through a mobile communication network; and receivingthe settlement informationinthe settlement server from the mobile communication terminal and then performing settlement for the mobile communication terminal based on the received settlement information.
11. The settlement method according to claim 10, wherein the user authenticationisperformedwhentheuser inputs apresetpassword.
12. The settlement method according to claim 10, wherein the mobile communication terminal transmits the settlement information, along with user authentication information, to the settlement server.
13. The settlement method according to claim 12, wherein the settlement information and the user authentication information transmitted from the mobile communication terminal are encrypted and transmitted.
14. The settlement method according to claim 13, wherein the transmitted settlement information and the user authentication information encrypted in the mobile communication terminal are decrypted in the settlement server.
15. The settlement method according to claim 10, further comprising the step of, by the settlement server, performing the settlementthrougharelevant financial institutionforsettlement and feeding back a result of settlement approval to the mobile communication terminal.
16. The settlement method according to claim 15, further comprising the step of, after the step of feeding back a result of settlement approval, transmitting the result of settlement approval fed back to the mobile communication terminal to the settlement terminal through the local area radio communication means.
17. The settlement method according to claim 16, wherein the settlement terminal outputs the received result of settlement approval through output means.
18. The settlementmethodaccordingto claim10, whereinthe local area radio communication means is RF communication means.
19. The settlementmethodaccordingto claim10, whereinthe local area radio communication means is infrared communication means.
PCT/KR2005/002655 2004-08-17 2005-08-13 System-and method for settling accounts using the payment terminal communicating with a mobile terminal by radio frequency WO2006036040A1 (en)

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KR1020040064795A KR20060016381A (en) 2004-08-17 2004-08-17 Payment system and method using a payment terminal for performing wireless communication with a mobile communication terminal
KR10-2004-0064795 2004-08-17

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