KR101472655B1 - Payment system for financial transaction card using NFC smart phone and payment method of financial transaction card therefor - Google Patents

Abstract

An application for extracting and processing chip information for electronic settlement received through an NFC antenna and an NFC antenna is installed in a smartphone and an electronic The present invention relates to a financial card payment system using an NFC-equipped smart phone and a method of payment using the same. More particularly, the present invention relates to a financial card payment system using an NFC- A settlement application for receiving settlement request information of a financial card for transmitting card information to the NFC antenna through the payment application and a communication unit of the smartphone, Wherein the NFC antenna comprises an IC And the financial card payment system using the NFC-equipped smartphone is connected to the smartphone through the communication network, and transmits IC chip information of the financial card received through the NFC antenna to the communication unit of the smartphone and the communication network And an IC reading server for receiving and reading the IC reading data.

Description

TECHNICAL FIELD [0001] The present invention relates to a financial card payment system using an NFC-equipped smart phone,

The present invention relates to a financial card payment system using an NFC-equipped smart phone and a financial card payment method using the same. More particularly, the present invention relates to an application for extracting and processing electronic payment chip information received through an NFC antenna and an NFC antenna in a smartphone The present invention relates to a financial card payment system using an NFC-equipped smart phone and a method for payment of a financial card using the same, which enables an electronic settlement having the same effect as an electronic payment method of an existing POS terminal through execution of an application of the smartphone.

Generally, an electronic payment is a credit card, a check card, a debit card, a cash card, or a financial account, such as a credit card, a check card, a debit card, a credit card or a credit card, on a predetermined card medium including a magnetic stripe (MS) card, an integrated circuit Or the like.

In the case of credit card payment through off-line, predetermined payment means information corresponding to the payment means is extracted from the card medium through a POS (point of sale) terminal, and the POS terminal extracts the payment means information, And generates a predetermined electronic payment request message including the merchant information.

Then, the generated electronic payment request message is transmitted to a card company or a financial company server through a communication module of a POS terminal and a predetermined network (VAN (Value Added Network), etc.) A payment for the purchase of a predetermined article is made through a process of processing it.

In addition, when the user passes a credit card to a clerk at the store, the clerk at the store inputs the commodity price to the POS terminal, confirms the contents to the user, And a series of procedures for issuing receipts upon payment approval.

Here, the conventional credit card payment method as described above necessarily requires a payment terminal (hereinafter, referred to as a "POS terminal") such as a POS terminal. Accordingly, a credit card Payment via credit card is not possible. In addition, in view of recent trends in which credit cards and other electronic payments are very active, stores that do not have POS terminals are very disadvantageous to their operation, and most stores are installing POS terminals.

However, in the case of small shops, cash settlement is used more than electronic payment such as credit card. Therefore, it is uneconomical to purchase POS terminals for occasional electronic settlement in such small shops. This is especially true in the case of a small shop that can not be reached. In addition, in the case of visiting sales through a salesperson, the salesperson has to carry a small POS terminal all the time, and electronic settlement is possible, which leads to cumbersome work.

For the above reasons, in Korean Patent Publication No. 2011-0035548 (a credit card payment apparatus and method using a mobile phone in an electronic payment system, and a system thereof), a technique of performing electronic payment using a general purpose mobile phone equipped with a wireless communication module It was suggested.

However, since such a conventional mobile phone electronic payment technology uses a detachable card dispenser (CI) for a mobile phone, it actually merely connects a separate card dispenser to a mobile phone. In addition, a separate configuration is required for the connection between the mobile phone and the card settlement machine, and the development trend emphasizing the slimmer design and the design of the mobile phone is not satisfied at all.

Korean Registered Patent No. 1178246 (Aug. 23, 2012), "Smartphone Credit Card Payment System and Method Using Earphone Jack" Korean Public Patent No. 2012-0074497 (2012.07.06), "Credit Card Mobile Secure Payment System Using Smartphone and Method Thereof"

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above problems and it is an object of the present invention to provide an NFC-equipped smart card which is capable of extracting corresponding data in response to a chip for a credit card, The present invention also provides a financial card payment system using the mobile phone and a method of payment using the same.

In addition, the present invention includes an application for extracting and processing chip information for electronic settlement received through an NFC antenna and an NFC antenna in a smartphone, and the same effect as the electronic settlement method of an existing POS terminal The present invention provides a financial card payment system using an NFC-equipped smart phone and a financial card payment method using the same.

In addition, the present invention includes an IC reading server that performs encryption processing of settlement information between a smart phone in which an electronic payment application is installed and a payment server that transmits and receives settlement information to the smart phone, The present invention provides a financial card payment system using an NFC-equipped smart phone capable of securely securing the payment information, and a method of payment using the same.

According to another aspect of the present invention, there is provided a financial card payment system using an NFC-equipped smartphone, including a smartphone having an NFC antenna and a payment application for payment of a financial card, And a payment server for receiving payment request information of a financial card for transmitting card information via the communication unit of the payment application and the smartphone and performing payment processing.

Also, the NFC antenna receives the IC chip information of the financial card, and the financial card payment system using the NFC-equipped smart phone is connected to the smart phone through the communication network, Further comprising: an IC reading server for receiving and reading information via a communication unit of the smart phone and the communication network.

The smartphone further includes an IC proxy module for performing transmission and reception of IC chip information between the IC chip of the financial card and the IC reading server through data transmission / reception with the NFC antenna or the payment application.

Further, the transmission / reception data between the IC proxy module and the IC reading server is transmitted / received in an encrypted state.

In addition, the IC reading server may include an encryption processing unit for encrypting and decrypting the information transmitted / received with the IC chip of the financial card through the IC proxy module, and a controller for analyzing the IC chip information of the financial card decrypted through the encryption processing unit A card discrimination unit for discriminating the type of the IC chip of the financial card or the financial card; a card allocation unit for allocating the IC chip information of the financial card to the readout module capable of reading the IC chip information according to the discrimination result of the card discrimination unit; A plurality of card reading units for reading out IC chip information of a financial card assigned through an allocation unit, IC chip information of a financial card read through the card reading unit, and corresponding payment request information through the payment application of the read financial card And a card payment information generating unit for generating payment information by combining the payment information.

The payment server receives the payment information through the card payment information generating unit of the IC reading server, and transmits the payment processing information to the payment application of the smartphone through the communication network after the payment processing.

According to another aspect of the present invention, there is provided a financial card payment method using an NFC-equipped smartphone, comprising: receiving IC information of a financial card in an NFC antenna of a smartphone in which a payment application is installed; Information and payment request information of the corresponding financial card are received and processed by the payment server.

In addition, the IC information of the financial card received through the NFC antenna and the payment request information of the corresponding financial card are received and processed by the payment server, the IC information of the financial card received from the NFC antenna is transmitted to the payment application A step of transmitting to the IC reading server via the communication unit of the smart phone the IC information read out after reading the IC information of the financial card on which the IC reading server receives the payment information and the payment request information through the payment application of the financial card And transmitting the created payment information to the payment server.

Also, the step of transmitting the IC information of the financial card received from the NFC antenna to the IC reading server via the payment application and the communication unit of the smartphone may be performed by the IC proxy module of the smart phone, And transmitting and receiving data between the IC chip of the financial card and the IC reading server is encrypted.

The step of generating payment information by combining the IC information read out after reading the IC information of the financial card on which the IC reading server is received and the settlement request information through the payment application of the financial card, A step in which the card discrimination unit discriminates the IC chip information of the financial card or the financial card by analyzing the IC chip information received from the smartphone; A step of allocating IC card information of a card to a readable readable module; reading out IC chip information of a financial card to which a card reading unit of the IC reading server allocated the IC chip information of the financial card through the card allocation unit is allocated; IC chip information of the financial card read out through the card reading unit and payment information through the payment application of the financial card The combined information from the IC card reading server billing information generation unit will be characterized in that it comprises the step of generating billing information.

According to the present invention, an application for extracting and processing electronic settlement chip information received through an NFC antenna and an NFC antenna is mounted on a smartphone, and the same effect as the electronic settlement method of an existing POS terminal To be able to make an electronic settlement.

In addition, since an IC reading server that performs encryption processing of settlement information between a smart phone in which an electronic payment application is installed and a payment server that transmits and receives settlement information is included in the smartphone, It is possible to secure security.

1 is a block diagram schematically showing a financial card payment system using an NFC-equipped smartphone according to an embodiment of the present invention.
2 is a block diagram showing the overall configuration of a financial card payment system using an NFC-equipped smartphone according to an embodiment of the present invention.
FIG. 3 and FIG. 4 are flowcharts showing a method for payment of a bank card using an NFC-equipped smartphone according to an embodiment of the present invention.

Hereinafter, a financial card payment system using a smartphone equipped with an NFC according to an embodiment of the present invention and a financial card payment method using the same will be described in detail with reference to the accompanying drawings.

1 is a conceptual diagram illustrating a financial card payment system using an NFC-equipped smartphone according to an embodiment of the present invention.

As shown, a financial card payment system using an NFC-equipped smartphone according to an embodiment of the present invention includes a financial card 400 having a financial IC chip (hereinafter referred to as " IC chip & A smartphone 100 in which a NFC antenna 110 is installed to receive information of the IC chip 410 of the smart card 400 and a payment application (not shown in FIG. 2) And a settlement server 200 for receiving and processing settlement request information through the settlement operation of the IC card 410 of the financial card 400. [

In addition, the financial card payment system using the NFC-equipped smartphone according to an embodiment of the present invention may include information on the IC chip 410 of the financial card 400 between the smartphone 100 and the payment server 200, And an IC reading server 300 for relaying the transmission / reception of the payment request information by the transmission / reception information and encrypting the transmission / reception information in this process.

With the above configuration, the smartphone 100 equipped with the NFC antenna 110 and the payment application installed in the smartphone 200 are used to perform electronic payment in a manner compatible with electronic payment using the existing POS terminal Can be implemented.

Next, a detailed configuration of a financial card payment system using an NFC-equipped smartphone according to an embodiment of the present invention will be described with reference to FIG.

FIG. 2 is a block diagram showing an entire configuration of a financial card payment system using an NFC-equipped smartphone according to an embodiment of the present invention.

As shown in the figure, a financial card payment system using an NFC-equipped smartphone according to an embodiment of the present invention includes a financial card 400, a smartphone 100, and a payment server 200, And a server 300, which are described in the description with reference to FIG.

The financial card 400 includes all card type payment media having an electronic payment function such as a credit card and a check card to which a financial IC chip 410 (hereinafter abbreviated as "IC chip") is attached, and an IC chip 410 It is a concept that includes all kinds of payment media that can make electronic payment.

The smartphone 100 is equipped with an NFC antenna 110 and the NFC antenna 110 functions to receive information of the IC chip 410 attached to the financial card 400. [ The payment application 120 for electronic payment is installed in the smartphone 100 so that when the payment application 120 is executed in the smartphone 100, It is possible to generate and transmit payment request information at the same time as reading the information of the chip 410, thereby functioning as a conventional small POS terminal.

The smartphone 100 may further include an IC proxy module 130. The IC proxy module 130 may be connected to the financial card 400 through the data transmission and reception with the NFC antenna 110 or the payment application 120. [ And the IC chip 410 between the IC chip 410 and the IC read server 300. [

The payment server 200 receives information on the IC chip 410 of the financial card 400 and payment request information through the payment operation of the corresponding financial card 400 to perform settlement processing, Since the IC reading server 300 performs the relaying operation between the payment server 200, the IC reading server 300 will be described first.

The IC reading server 300 transmits information of the IC chip 410 of the financial card 400 connected to the smartphone 100 through the communication network and received via the NFC antenna 110 to the communication unit 140 of the smartphone 100, And receive via the communication network. Here, the IC proxy module 130 of the smartphone 100 relays data transmission / reception between the smartphone 100 and the IC reading server 300, and transmits / receives data between the IC proxy module 130 and the IC reading server 300 Are transmitted and received in an encrypted state.

To this end, the IC reading server 300 includes an encryption processing unit 310. The IC reading server 300 includes a card discriminating unit 320, a card assigning unit 330, Unit 340 and a card payment information generating unit 350. [

The encryption processing unit 310 functions to encrypt and decrypt information transmitted / received with the IC chip 410 of the financial card 400 via the IC proxy module 130. [

The card discrimination unit 320 analyzes information of the IC chip 410 of the decrypted financial card 400 through the encryption processing unit 310 and transmits the decrypted IC chip 410 information to the IC chip 410 of the corresponding financial card 400 or the financial card 400. [ It functions to determine the type.

The card assigning unit 330 assigns the IC chip 410 information of the corresponding financial card 400 to the reading module that can read the IC chip 410 according to the discrimination result of the card discriminating unit 320. [

The card reader 340 reads the information of the IC chip 410 of the financial card 400 allocated through the card allocator 330.

The criterion that the card assigning unit 330 assigns the IC chip information of the financial card to the plurality of card reading units 340, that is, the criterion for distinguishing the plurality of the card reading units 340, A form in which the card reading unit 340 for dividing the reading is divided or a form in which the card reading unit 340 is divided based on the virtual kernel in which the kernels on the EMV specification are implemented by software can be used.

The card settlement information generating unit 350 generates the IC card information 410 of the IC card 410 of the financial card 400 read through the card reading unit 340 and the corresponding payment request through the payment application 120 of the financial card 400, And combines the information to generate payment information.

The payment server 200 receives the payment information transmitted through the card payment information generating unit 350 and processes the payment information. The payment server 200 may be a credit card company server or a VAN server. The payment server 200 may receive the payment information and transmit the payment processing information to the payment application 120 of the smartphone 100 via the communication network after the payment processing, By displaying this on the touch screen screen of the smartphone 100, a user who made a payment through the financial card 400 can confirm his / her payment processing history.

3 and 4, a method for payment of a financial card using an NFC-equipped smartphone according to an embodiment of the present invention will be described.

FIG. 3 and FIG. 4 are flowcharts illustrating a financial card payment method using an NFC-equipped smartphone according to an embodiment of the present invention. In the following description, the configuration of the financial card payment system using the NFC-equipped smartphone refers to the example of FIG. 1 and FIG. 2, and therefore, the reference numerals of the corresponding configurations are also based on FIG. 1 and FIG.

3, the IC information of the financial card 400 is received from the NFC antenna 110 of the smartphone 100 in which the payment application 120 is installed in step S110.

IC information of the financial card 400 received through the NFC antenna 110 in step S120 is transmitted to the IC read server 300 via the payment application 120 and the communication unit 140 of the smartphone 100. [ Lt; / RTI > Data transmission and reception between the IC chip 410 of the financial card 400 and the IC read server 300 are relayed via the IC proxy module 130 of the smartphone 100. In this relay process, The data transmission / reception between the IC chip 410 and the IC reading server 300 is performed in an encrypted state.

Subsequently, in step S130, the IC reading server 300 reads the IC information of the received financial card 400. [

In step S140, the IC reading server 300 generates payment information by combining the IC information read through step S130 and the payment request information through the payment application 120 of the corresponding financial card 400 .

4, the card discrimination unit 320 of the IC reading server 300 at step S141 checks whether or not the smart card 100 to determine the information of the IC chip 410 of the corresponding financial card 400 or the financial card 400. [

The IC allocating unit 330 of the IC reading server 300 determines IC information of the financial card 400 that has been discriminated in accordance with the discrimination result of the card discriminating unit 320 in step S142 do.

In step S143, the card reader 340 of the IC read server 300, to which the IC chip information of the financial card 400 is allocated through the card assigning unit 330, Read the information.

Then, in step S144, the IC information of the financial card 400 read through the card reading unit 340 and the payment request information through the payment application 120 of the corresponding financial card 400 are transmitted to the IC reading server 300, The card settlement information generating unit 350 generates the settlement information.

Returning to Fig. 3, the IC reading server 300 transmits the generated payment information to the payment server 200 in step S150.

As can be seen from the embodiments of FIGS. 1 to 4, according to the financial card payment system using the NFC-equipped smart phone and the financial card payment method using the same, the NFC antenna and the NFC antenna An application for extracting and processing electronic payment chip information received via the smart phone is installed and electronic settlement having the same effect as the electronic payment method of the existing POS terminal can be performed by executing the application of the smart phone.

In addition, since an IC reading server that performs encryption processing of settlement information between a smart phone in which an electronic payment application is installed and a payment server that transmits and receives settlement information is included in the smartphone, Secure security can be secured.

The present invention is not limited to the above-described embodiment, and it should be understood that the present invention is not limited to the following embodiments. It will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined in the appended claims.

100: Smartphone 110: NFC antenna
120: Payment application 130: IC proxy module
140: communication unit 200: payment server
300: IC reading server 310:
320: card discrimination unit 330:
340: card reading unit 350: card payment information generating unit
400: financial card 410: IC chip

Claims (10)

An NFC antenna for receiving information of an IC chip mounted on a financial card and a payment application for payment of the financial card in connection with the NFC antenna are installed, A smartphone including an IC chip and an IC proxy module for performing transmission and reception of IC chip information between servers functioning to read information of the IC chip;
And receiving and reading IC chip information of the financial card, which is connected to the smart phone through a communication network and received through the NFC antenna, through the communication unit of the smart phone and the communication network, And a card discrimination unit for discriminating the IC chip type of the financial card or the financial card by analyzing the IC chip information of the financial card decrypted through the encryption processing unit, A card assigning unit for assigning the IC chip information of the corresponding financial card to a readable readable module in accordance with a result of discriminating the type of the IC chip in the card discriminating unit, A plurality of card reading units for reading information, IC chip information of the financial card read out through the card reading unit And a card payment information generating unit for generating payment information by combining the payment request information through the payment application of the financial card to be read out;
And a payment server for receiving payment request information of the financial card for transmitting card information to the NFC antenna through a communication unit of the payment application and the smartphone,
And the transmission / reception data between the IC proxy module and the IC reading server is transmitted / received in an encrypted state. delete delete delete delete The method according to claim 1,
Wherein the payment server receives the payment information through the card payment information generating unit of the IC reading server and transmits the payment processing information to the payment application of the smartphone through the communication network after the payment processing. Financial card payment system. Receiving IC chip information of a financial card from an NFC antenna of a smartphone in which a payment application is installed;
The IC chip information of the financial card received from the NFC antenna is transmitted to the IC read server via the payment application and the communication unit of the smart phone, The data transmission / reception between the IC chip and the IC reading server is relayed, and data transmission / reception between the IC chip of the financial card and the IC reading server is encrypted;
Analyzing the IC chip information of the financial card received from the smartphone by the card discrimination unit of the IC reading server to discriminate the IC chip information of the financial card or the financial card;
Assigning the IC chip information of the financial card identified by the card assigning unit of the IC reading server to a readable read module in accordance with the discrimination result of the card discriminating unit;
Reading the IC chip information of the financial card to which the card reading unit of the IC reading server allocated the IC chip information of the financial card is assigned through the card allocation unit;
Generating payment information by combining the IC chip information of the financial card read through the card reading unit and the payment request information through the payment application of the financial card in the card payment information generating unit of the IC reading server;
And the payment information generated by the card payment information generating unit of the IC reading server is received and processed by the payment server. 8. The method of claim 7,
After the payment information generated by the card payment information generating unit of the IC reading server is received and processed by the payment server,
And the payment server transmits the payment processing information to the payment application of the smartphone through a communication network. delete delete

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