KR101662902B1 - System and method for paying price using security patch - Google Patents

Abstract

An object of the present invention is to provide a payment system and method using a security patch that improves the settlement process by a user by installing a security patch on a user's mobile communication terminal and improves security. Accordingly, the present invention has an advantage in that a security patch can be installed in a mobile communication terminal of a user to improve security during a payment process, and an unnecessary authentication and payment process can be shortened by improving a user's input process.

Description

TECHNICAL FIELD [0001] The present invention relates to a payment system and method using a security patch,

The present invention relates to a settlement system and method using a security patch, and more particularly, to a settlement system and a settlement system using a security patch that improves a payment process by a user by installing a security patch on a user's mobile communication terminal, ≪ / RTI >

In the modern payment system, it is common to conduct financial transactions by credit card issued by a credit card company and authentication through a financial transaction terminal and an authentication server provided in a financial transaction franchise.

When the payment request is made, the user is authorized to use the input device to input the signature of the payer to the input device attached to the payment terminal.

Such a conventional technology has a disadvantage in that even if a credit card is stolen, financial settlement is approved only by the signature of the payer because a series of processes in which the financial transaction is performed is performed through the settlement terminal.

In addition, when the name of the payment card is different from that of the user, the user can not recognize whether the usage conforms to the purpose of use of the name, and if a credit payment other than the intention of the name is made, There was an inconvenience.

It is difficult to prevent the theft as described above in the case of financial transactions, and it is necessary to develop a technique to complement the fact that it is difficult to manage the financial settlement by other users other than the author in accordance with the intention of the creditor.

Meanwhile, various techniques for increasing the simplicity and efficiency of card settlement have been known.

For example, if a mobile phone number is input without carrying a card, a method of making a payment can be performed with a card corresponding to the mobile phone number is known.

Such an example is disclosed in Korean patent application (Application No. 10-2000-0031640, "Payment method using mobile phone number"), Korean patent application (Application No. 10-2008-0133237, "Mobile card payment system and mobile card payment Service method "), Korean patent application (Application No. 10-2008-0112238," Mobile card payment system using telephone number, mobile payment service method using the same ").

Such a conventional method has an advantage in that payment can be conveniently performed only if a mobile phone is possessed without having a card, but the security is very low due to convenience.

As described above, the settlement using the mobile phone is advantageous in that the convenience is improved, but a fatal weak point is exposed in the security.

Korean Patent Application No. 10-2000-0031640, entitled " Method of payment using mobile phone number ". Korean Patent Application No. 10-2008-0133237, entitled: Mobile Card Payment System and Mobile Card Payment Service Method Using It. Korean Patent Application No. 10-2008-0112238, entitled: Mobile card payment system using telephone number, mobile payment service method using the same.

In order to solve such problems, it is an object of the present invention to provide a payment system and method using a security patch that improves the settlement process by a user by installing a security patch on a user's mobile communication terminal and improves security.

According to an aspect of the present invention, there is provided a settlement system using a security patch, the settlement system comprising: a settlement system that is installed in a user terminal and stores user terminal information and settlement password information registered in advance in a settlement system terminal, A security patch unit activated to transmit the user terminal information to the merchant terminal; A predetermined payment application to be executed when the merchant information outputted from the merchant terminal is received, and the information stored in the security patch unit, The payment terminal is connected to the payment terminal through the payment terminal, and the settlement terminal receives the payment approval information from the payment terminal. And transmits the payment approval confirmation information to the user terminal and the merchant terminal when the merchant terminal receives the payment information of the user terminal information and the goods from the merchant terminal, A settlement system terminal for authenticating the settlement approval confirmation information of the user terminal and the settlement approval confirmation information of the merchant terminal and determining whether to approve the settlement according to the authentication result; And outputting an activation signal of the security patch unit. When the security patch unit transmits the user terminal information of the user terminal, the security patch unit obtains the phone number of the user terminal by analyzing the user terminal information, And an agent terminal for transmitting payment information to the user terminal, receiving the payment password information, payment confirmation information, and payment approval confirmation information provided by the user terminal and requesting payment approval to the payment system terminal.

In addition, the security patch unit according to the present invention is detachably installed in a user terminal, and is powered by a current supplied through an electromagnetic field or from a battery of the user terminal.

Further, the power supply from the battery according to the present invention is received from a power terminal for driving an NFC (Near Field Communication) terminal.

Also, the user terminal information and the payment password information stored in the security patch unit according to the present invention may be a mobile communication telephone number, a terminal unique number, a patch number, a payment authorization password, credit card information, and point card information of a user do.

Also, the security patch unit according to the present invention includes a power supply unit that operates when an activation signal is input and is connected to a user terminal to supply power; A security patch communication unit for transmitting and receiving data between the user terminal and the settlement system terminal; A security patch controller for controlling storage of the user terminal information and payment password information and transmission to the user terminal when the activation signal is input; And a data storage unit for storing the user terminal information and the payment password information.

In addition, the security patch communication unit according to the present invention is characterized in that data is transmitted and received in a wireless data format using WiFi or short-range wireless communication.

The user terminal according to the present invention may further include a data communication unit for transmitting and receiving the security patch unit, the payment system terminal, the merchant terminal, the user terminal information, the payment password information, the payment confirmation information, the payment approval confirmation information, A Bluetooth communication unit paired with the merchant terminal and transmitting and receiving payment information, settlement confirmation information, and payment approval confirmation information of a product; The control unit controls the operations of the data communication unit and the Bluetooth communication unit and, when the merchant information is received, activates the payment application, receives the payment password information stored in the security patch unit from the user, authenticates the payment password information, A user terminal control unit for performing settlement through authentication; An input unit for receiving the payment password information, payment confirmation information, and payment approval confirmation information from a user; And a display unit for displaying an operation process of the user terminal control unit.

Further, the user terminal controller according to the present invention may further input at least one password information among the screen saver password information of the user terminal, the operation password information of the payment application, and the NFC terminal operation password information for driving the payment application .

The payment system terminal according to the present invention may further include a security patch information input unit for detecting user terminal information and payment password information stored in the security patch unit; A payment information communication unit for transmitting and receiving the payment approval request information and payment approval confirmation information to the merchant terminal; A payment system management unit storing the user terminal information and payment password information detected by the security patch information input unit and authenticating the payment approval request information and the payment approval confirmation information transmitted from the payment information communication unit and performing payment; And a database for storing the user terminal information, payment password information, and payment information.

In addition, the payment system management unit according to the present invention transmits the payment approval confirmation information to the user terminal and the merchant terminal separately.

The franchise terminal according to the present invention may further include: a security patch detector for outputting an activation signal of a security patch unit installed in a user terminal and receiving user terminal information transmitted from the user terminal; A Bluetooth communication unit that is paired with the user terminal to transmit and receive payment information of a product; A data communication unit for transmitting and receiving the merchant information, the payment approval request information, and the payment confirmation information to the user terminal and the payment system terminal; The security patch detecting unit, the Bluetooth communication unit, and the data communication unit, analyzing the user terminal information received from the security patch detecting unit, and detecting a telephone number of the user terminal, A merchant terminal controller for performing payment through authentication between the user terminal and the billing system terminal when payment information of the merchandise is input; An input unit for inputting payment information of a merchandise including order information and outputting the payment information to the merchant terminal control unit; And a display unit for displaying payment information and a payment process of the goods inputted into the input unit.

According to another aspect of the present invention, there is provided a payment method using a security patch, comprising: a) storing a user terminal information and payment password information in a security patch unit and a payment system terminal, and installing a predetermined payment application in a user terminal; b) When the merchant terminal outputs an activation signal of the security patch unit and the security patch unit is activated, the security patch detects the user terminal information transmitted by the security patch unit, analyzes the telephone number of the user terminal, Transmitting preset merchant information; c) when the user terminal receives the merchant information of the merchant terminal, activating the payment application and interworking with the merchant terminal; d) When the user terminal receives the payment information of the goods from the merchant terminal, the payment password information of the user is inputted from the user and compared with the payment password information stored in the security patch unit, and the payment confirmation information is transmitted to the merchant terminal after authentication ; e) when the merchant terminal sends payment information of the user terminal information and product to the payment system terminal and requests payment approval, the payment system terminal transmits payment approval information to the user terminal and the merchant terminal; And f) if the user terminal confirms the received payment approval confirmation information and transmits the received payment approval confirmation information to the merchant terminal, the merchant terminal confirms the payment approval information transmitted by the user terminal and the merchant terminal And transmitting the payment approval confirmation information received from the system terminal to the payment system terminal to complete the payment.

In addition, the step (a) according to the present invention is characterized in that, when the payment application is installed, the payment system terminal is connected to the billing system terminal, and the predetermined number is inputted and installed after authentication.

In addition, the step c) may further include adding at least one password information among the screen saver password information of the user terminal, the operation password information of the payment application, and the NFC terminal operation password information in order to drive the payment application And receiving an input signal.

Further, the present invention is characterized in that, when the payment application is started, the Bluetooth communication for interlocking with the merchant terminal is turned on.

In addition, the step (d) according to the present invention is characterized by detecting the settlement password information of the user and turning off communication other than the Bluetooth communication network upon authentication.

In addition, the step f) may further comprise transmitting the result of the settlement to the user terminal.

The present invention is advantageous in that a security patch can be installed in a user's mobile communication terminal to improve security in a payment process.

Further, the present invention is advantageous in that an unnecessary authentication and settlement process can be shortened by improving the input process by the user.

1 is a block diagram illustrating a configuration of a payment system using a security patch according to the present invention;
2 is a view illustrating an example of a security patch installation process of a payment system using a security patch according to the present invention;
3 is a block diagram illustrating a configuration of a security patch unit of a payment system using a security patch according to the present invention.
4 is a block diagram illustrating a configuration of a user terminal of a payment system using a security patch according to the present invention.
5 is a block diagram illustrating a configuration of a settlement system terminal of a settlement system using a security patch according to the present invention.
6 is a block diagram illustrating a configuration of a merchant point terminal of a payment system using a security patch according to the present invention.
7 is a flowchart illustrating a settlement process using a security patch according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of a payment system and method using a security patch according to the present invention will be described in detail with reference to the accompanying drawings.

(Payment system)

FIG. 1 is a block diagram illustrating a configuration of a settlement system using a security patch according to the present invention, FIG. 2 is an exemplary view showing an installation process of a security patch unit, FIG. 3 is a block diagram illustrating a configuration of a security patch unit, FIG. 5 is a block diagram illustrating a configuration of a payment system terminal, and FIG. 6 is a block diagram illustrating a configuration of an affiliate shop force terminal. Referring to FIG.

1 to 6, a settlement system using a security patch according to the present invention includes a security patch unit 100, a user terminal 200, a settlement system terminal 300, and a buyer terminal 400 .

The security patch unit 100 is configured to store user terminal information and settlement password information that are installed in the user terminal 200 and are activated by an arbitrary signal and are registered in advance in the settlement system terminal 300. The security patch unit 100 includes a power supply unit 110 A security patch communication unit 120, a security patch control unit 130, and a data storage unit 140.

The security patch unit 100 may be detachably installed in the user terminal 200 and may be powered by a current induced through an electromagnetic field or may be connected to a power source through a battery 202 installed in the user terminal 200. [ So that the supply can be made.

That is, a coil (not shown) may be formed to induce a current when the magnetic field is generated from the outside, and the NFC (Near Field Communication) terminal 204 installed in the user terminal 200 may be driven And may be connected to the power source terminal 203 for receiving power.

In this embodiment, a configuration is described in which the power source is connected to the power source terminal 203 for driving the NFC terminal 204 installed in the user terminal 200 to supply power.

A power terminal 203 connected to the battery 202 is disposed inside the user terminal 200 and a power terminal 203 connected to the power terminal 203 for operating the NFC terminal 204 And an NFC power supply terminal 205 connected to the NFC power supply terminal 205.

The power supply unit 110 may be switched on when an activation signal is input and connected to be supplied with power from the user terminal 200. The activation signal may be a WiFi reader signal interlocked with the merchant terminal 400, And is a Wi-Fi communication signal outputted by the payment application of the user terminal 200. [

That is, the power supply unit 110 may be activated by a Wi-Fi signal to supply power to the security patch unit 100, and the security patch unit 100 may transmit power to the security patch unit 100 according to whether power is supplied from the user terminal 200. [ It is possible to confirm whether or not the state in which the terminal 200 is installed is maintained.

The security patch communication unit 120 is configured to transmit and receive data between the user terminal 200 and the settlement system terminal 300, and transmits and receives data using a Wi-Fi communication format.

The security patch controller 130 stores user terminal information and payment password information inputted by a user when an activation signal is inputted and power is supplied. The security patch controller 130 stores the stored user terminal information and payment password information To the user terminal (200).

The data storage unit 140 stores the user terminal information, billing password information, billing account information, and the like, and the user terminal information is a mobile communication telephone number of a user and a unique number (or device number) of a user terminal, The payment password information is a series of patch numbers assigned for payment and a password for payment authorization set by the user.

In the present embodiment, a configuration in which information to be newly set by a user is received and stored is described as an example. However, the present invention is not limited to this, and any member information including credit card information or point card information already issued by the user may be stored It can also be used as payment information.

The user terminal 200 is configured to receive the security patch unit 100 and receive the settlement password information from a user with a predetermined payment application installed therein to receive information stored in the security patch unit 100, The payment system terminal 300 for providing information and the merchant terminal 400 for providing payment information of the merchandise are configured to perform settlement through authentication. The settlement terminal 300 is composed of a smart phone or a tablet PC, A Bluetooth communication unit 220, a user terminal control unit 230, an input unit 240, and a display unit 250.

The data communication unit 210 transmits and receives user terminal information, billing password information, payment confirmation information, payment approval confirmation information, and merchant information to and from the security patch unit 100, the payment system terminal 300 and the merchant terminal 400 And transmits and receives RF signals through a certain frequency band.

The Bluetooth communication unit 220 is turned on and off according to an operation control signal of the user terminal control unit 230 and is paired with the merchant terminal 400 to receive payment information of the merchandise from the merchant terminal 400, The settlement confirmation information and the payment approval confirmation information are transmitted to the user terminal 400.

The user terminal control unit 230 controls the operations of the data communication unit 210 and the Bluetooth communication unit 220 to install and operate the payment application and when the merchant information is received from the merchant terminal 400, The application is operated to receive the settlement password information stored in the security patch unit 100 from the user, compares the settlement password with the settlement password stored in the security patch unit 100, authenticates the settlement password, , And the merchant terminal (400).

In addition, when the payment application is installed, the user terminal control unit 230 accesses the payment system terminal 300 through the preset URL information to download and install the payment application.

The payment application can check whether or not a normal installation has been made by comparing the password for installation provided by the billing system terminal 300 to the user for the normal installation of the program, and comparing the password with a previously stored verification password.

In addition, the user terminal control unit 230 may include information on screen savers of the user terminal 200, operation password information for recognizing the start of the payment application, and NFC terminal operation password information When at least one piece of password information is input, the payment application is operated.

The input unit 240 receives payment password information, settlement confirmation information, and payment approval confirmation information from a user and outputs the same to the user terminal control unit 230, which is a preferable touch pad.

The display unit 250 displays the payment password information, payment confirmation information, payment approval confirmation information, merchant store information, and payment information transmitted and received between the payment system terminal 300 and the merchant terminal 400, Etc. are displayed so that the user can confirm it.

The settlement system terminal 300 receives and stores user terminal information and settlement password information of the security patch unit 100 set by the user and stores the user terminal information and payment information of the goods in the merchant terminal 400 And transmits the payment approval confirmation information to the user terminal 200 and the merchant terminal 400 to determine whether to approve the payment according to the authentication result. The security patch information input unit 310 and the payment information communication unit 320 ), A payment system management unit 330, and a database 340. [

The security patch information input unit 310 detects user terminal information and payment password information of the security patch unit 100 set by the user and stores the information in the database 340 for management.

The payment information communication unit 320 receives the payment approval request information and the payment approval confirmation information from the merchant terminal 400 and provides the payment approval request information to the payment system management unit 330. The payment information communication unit 320 receives the payment approval confirmation information To the user terminal (200) and the affiliate terminal (400).

That is, the payment system management unit 330 transmits the payment approval confirmation information to the user terminal 200 and the merchant terminal 400 as confirmation information of the payment approval request, thereby preventing illegal payment.

In addition, the payment system management unit 330 allows the user terminal information and payment password information detected by the security patch information input unit 310 to be stored in the database 340, and the payment approval information transmitted from the payment information communication unit 320 The payment information can be settled through the authentication of the request information and the payment approval information provided to the user terminal 200 and the merchant terminal 400 together with the received information.

Also, the payment system management unit 330 transmits to the user terminal 200 a result of whether or not the payment has been normally performed.

The database 340 stores user terminal information, billing password information, and payment information.

The merchant terminal 400 outputs an activation signal of the security patch unit 100 and transmits merchant information through the user terminal information provided by the user terminal 200. The merchant terminal 400 transmits the merchant information to the user terminal 200, And transmits a settlement approval request to the settlement system terminal 300 using the settlement password information, the payment confirmation information, and the settlement approval confirmation information provided by the user terminal 200. The security patch detection unit 410, A Bluetooth communication unit 420, a data communication unit 430, an affiliate shop terminal control unit 440, an input unit 450, and a display unit 460.

The security patch detecting unit 410 is installed at an entrance or exit of a shop or an arbitrary location of a store and outputs an activation signal of the security patch unit 100 installed in the user terminal 200, And outputs the received terminal information to the merchant terminal control unit 440.

The Bluetooth communication unit 420 is paired with the user terminal 200 to transmit and receive payment information of goods, payment confirmation information, payment approval confirmation information, and the like.

The data communication unit 430 transmits and receives merchant information, settlement approval request information, payment confirmation information, and the like to and from the user terminal 200 and the settlement system terminal 300.

The franchise terminal control unit 440 controls operations of the security patch detection unit 410, the Bluetooth communication unit 420 and the data communication unit 430 and analyzes the user terminal information received from the security patch detection unit 410 Detects the telephone number of the user terminal (200), and transmits the merchant information to the user terminal (200) of the detected telephone number.

The merchant terminal control unit 440 controls the merchant terminal control unit 440 to transmit payment information of the merchandise to the user terminal 200 when payment information of the merchandise including order information is input through the input unit 450, And settlement confirmation can be performed through authentication with the settlement system terminal 300. [0064]

The input unit 450 receives payment information of a product including order information provided by a user and outputs the payment information to the merchant terminal control unit 440.

The display unit 460 displays the payment information of the goods input to the input unit 450 and the payment process.

(Payment Method)

FIG. 7 is a flowchart illustrating a settlement process using a security patch according to the present invention, and will be described with reference to FIGS. 1 to 7. FIG.

The user sets and stores user terminal information and settlement password information in the security patch unit 100 and the security patch unit 100 is installed in the user terminal 200 and transmits the set information to the payment system terminal 300 And then accesses predetermined URL access information, that is, the settlement system terminal 300 through the user terminal 200, and installs a predetermined payment application in the user terminal 200 (S100).

In addition, in step S100, the installation of the payment application connects with the settlement system terminal 300, receives a preset unique number, and installs it after authentication so that abnormal or illegal installation can be prevented.

If the security patch detecting unit 410 of the merchant terminal 400 installed in the store outputs an activation signal to the security patch unit 100 when the user terminal 200 enters an arbitrary store, The security patch unit 100 transmits the stored user terminal information to the security patch detection unit 410. The transmitted user terminal information is analyzed by the merchant terminal 400 to obtain the telephone number of the user terminal 200, And transmits the merchant information set in advance to the user terminal 200 of the acquired phone number (S110).

When the merchant information is received by the user terminal 200, the user terminal 200 displays the merchant information so that the user can confirm it through vibration or sound, operates the payment application, and interlocks with the merchant terminal 400 (S120) .

In step S120, the user terminal 200 detects the screen saver password information of the user terminal 200, which is set by the user in order to drive the payment application, and operates the payment application when the authentication is successful.

In step S120, the user terminal 200 detects the password information for starting the operation of the payment application preset for starting the payment application, and when the authentication is completed, can do.

Also, in step S120, the user terminal 200 detects and authenticates the NFC operating code of the NFC operating entity by starting operation of the payment application and starting operation of the NFC terminal including the payment means, and when the authentication is completed So that the payment application can be operated.

When the payment application is started in step S120, the user terminal 200 turns on the Bluetooth communication for interlocking with the merchant terminal 400. [

When the user provides the order information, the merchant terminal 400 receives the payment information of the goods corresponding to the order information and provides the payment information to the user terminal 200. The user terminal 200 transmits the payment password information of the user And transmits the payment confirmation information to the merchant terminal 400 after authentication (S130).

When the payment information of the goods is received in the user terminal 200 in step S130, the user terminal 200 receives the payment password information, that is, the payment password from the user and compares the payment password information stored in the security patch unit 100 And transmits the authentication result to the affiliate shop terminal 400 to confirm the payment information.

If the payment password information of the user is detected and authenticated in step S130, all the data communication units other than the Bluetooth communication network are turned off.

When the payment confirmation information in step S130 is received, the merchant terminal 400 transmits the payment information of the user terminal information and the goods to the payment system terminal 300 to request payment approval (S140).

When the payment approval request of step S140 is input, the payment system terminal 300 transmits the payment approval confirmation information to the user terminal 200 and the affiliate terminal 400 (step S150) .

When the payment approval confirmation information transmitted in step S150 is received by the user terminal 200, it is checked whether the user requests the transfer of the payment approval confirmation information to the merchant terminal 400, The user terminal 200 transmits the transfer to the merchant terminal 400 so that the merchant terminal 400 can confirm the transaction (S160).

In the present embodiment, the password for payment is authenticated in step S130. However, the present invention is not limited to this. However, in the step of checking whether to transmit the payment approval confirmation information received in step S160 to the merchant terminal 400, May be changed so as to be authenticated.

The payment approval confirmation information of the user terminal 200 received in step S160 and the payment approval confirmation information transmitted to the merchant in step S150 are transmitted to the payment system terminal 300 together in step S170.

When the payment approval confirmation information transmitted in step S170 is confirmed, the payment system terminal 300 inquires through the user terminal information registered in the database 340 and the payment account information to complete the payment (S180) , And the payment completed information is transmitted to the user terminal 200.

Accordingly, after the security patch unit 100 is installed in the user terminal 200, the user can enter the store, and payment can be made through one payment authentication process without tagging for payment.

In addition, depending on the security setting of the user, the security level can be adjusted through various additional settings such as a screen saver password input step, an operation start input step of the payment application, and a payment approval confirmation information input step.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined in the appended claims. It can be understood that

In the course of the description of the embodiments of the present invention, the thicknesses of the lines and the sizes of the components shown in the drawings may be exaggerated for clarity and convenience of explanation, , Which may vary depending on the intentions or customs of the user, the operator, and the interpretation of such terms should be based on the contents throughout this specification.

100: security patch unit 110: power supply unit
120: security patch communication unit 130: security patch control unit
140: Data storage unit 200: User terminal
201: lid 202: battery
203: power supply terminal 204: NFC terminal
205: NFC power supply terminal 210:
220: Bluetooth communication unit 230: User terminal control unit
240: input unit 250: display unit
300: Payment system terminal 310: Security patch information input unit
320: payment information communication unit 330: payment system management unit
340: Database 400: Merchant terminal
410: security patch detection unit 420: Bluetooth communication unit
430: Data communication unit 440: Merchant terminal control unit
450: input unit 460:

Claims (17)

And stores the user terminal information and payment decryption information pre-registered in the settlement system terminal 300 and is activated by an activation signal output from the affiliate terminal 400, Information is transmitted to the merchant terminal 400 and is supplied with power from a current induced through an electromagnetic field or from a battery 202 of the user terminal 200. When an activation signal is input, A security patch communication unit 120 for transmitting and receiving data between the user terminal 200 and the settlement system terminal 300 and a power supply unit 120 for supplying power to the settlement system terminal 300. [ A security patch controller 130 for controlling the storage of the user terminal information and payment password information and the transmission to the user terminal 200, A security patch unit 100 comprising a data storage unit 140 that stores the user terminal information, payment password information;
The security patch unit 100 is installed in the security patch unit 100. When the security patch unit 100 receives the merchant information from the merchant terminal 400, And the payment approval information provided by the payment system terminal 300 to the franchisee terminal 400 to transmit the payment system terminal 300 and the franchisee terminal 400 providing the payment information of the goods, Payment information, payment confirmation information, payment approval confirmation information, and merchant point information with the security patch unit 100, the payment system terminal 300, and the merchant terminal 400 so as to perform payment through authentication between the security patch unit 100 and the merchant terminal 400, A data communication unit 210 for receiving merchandise payment information, a data communication unit 210 for exchanging payment information, payment confirmation information, and payment approval confirmation information paired with the merchant terminal 400, The security patch unit 100 controls the operations of the data communication unit 210 and the Bluetooth communication unit 220. When the merchant information is received, The password information is received and authenticated to perform settlement through authentication between the settlement system terminal 300 and the merchant terminal 400. In order to drive the settlement application, the screen saver password information of the user terminal 200, A user terminal control unit 230 for receiving at least one or more pieces of cryptographic information among the operation password information and the NFC operation password application information for the NFC application, an input unit for receiving the settlement password information, payment confirmation information, A user terminal 200 having a display unit 250 for displaying an operation process of the user terminal control unit 230, ;
The user terminal information and payment password information of the security patch unit 100 are stored. When payment information of the user terminal information and the goods is received from the merchant terminal 400, payment approval information is transmitted to the user terminal 200 And transmits the payment approval confirmation information of the user terminal 200 transmitted by the merchant terminal 400 and the payment approval confirmation information of the merchant terminal to determine whether to approve the payment according to the authentication result A security patch information input unit 310 for detecting user terminal information and payment password information stored in the security patch unit 100, a settlement information communication unit 310 for transmitting and receiving settlement approval request information and payment approval information, 320); The payment information transmitting unit 320 stores the user terminal information and payment password information detected by the security patch information input unit 310 and performs payment by authenticating the payment approval request information and the payment approval confirmation information transmitted from the payment information communication unit 320 A billing system management unit 330, and a database 340 for storing the user terminal information, payment password information, and payment information. And
And outputs the activation signal of the security patch unit 100. When the security patch unit 100 transmits the user terminal information of the user terminal 200, the security patch unit 100 acquires the phone number of the user terminal 200 by analyzing the user terminal information, Transmits the merchant information and the payment information of the merchandise to the user terminal 200 through the acquired phone number, receives the settlement password information, payment confirmation information, and settlement approval information provided by the user terminal 200, A security patch detector 100 for outputting an activation signal of the security patch unit 100 installed in the user terminal 200 to request settlement approval to the settlement system terminal 300 and receiving user terminal information transmitted from the user terminal 200, A Bluetooth communication unit 420 that is paired with the user terminal 200 to transmit and receive payment information of goods, A data communication unit 430 for transmitting and receiving merchant information, settlement approval request information and settlement confirmation information to and from the smart terminal 300, a security patch detection unit 410, a Bluetooth communication unit 420 and a data communication unit 430 Detects the phone number of the user terminal 200 by analyzing the user terminal information received from the security patch detection unit 410 and transmits the merchant point information to the user terminal 200 of the detected phone number, A merchant terminal controller 440 for performing settlement through authentication between the user terminal 200 and the settlement system terminal 300 when the payment information of the merchandise is input, An input unit 450 for outputting the payment information to the control unit 440 and a display unit 460 for displaying the payment information of the goods inputted to the input unit 450 and the payment process, (400). ≪ / RTI >
delete delete delete delete delete delete delete delete delete delete a) storing user terminal information and settlement password information in the security patch unit 100 and the settlement system terminal 300, installing a predetermined settlement application in the user terminal 200, A step of connecting with the system terminal 300 to input a preset unique number and installing it after authentication;
b) When the merchant terminal 400 outputs an activation signal of the security patch unit 100 and the security patch unit 100 is activated, the security patch unit 100 detects the user terminal information transmitted from the security patch unit 100, 200, and transmitting the merchant information set in advance to the user terminal 200 of the analyzed phone number;
c) When the user terminal 200 receives the merchant information of the merchant terminal 400, it operates the payment application and operates with the merchant terminal 400, ) Of the payment application, the password information of the screen saver of the payment application, the operation password information of the payment application, and the NFC terminal operation password information. When the payment application runs, the Bluetooth communication ;
d) When the user terminal 200 receives the payment information of the goods from the merchant terminal 400, the payment password information of the user is inputted from the user and is compared with the payment password information stored in the security patch unit 100, Transmitting settlement confirmation information to the merchant terminal (400), detecting the payment password information of the user, and turning off communication other than the Bluetooth communication network upon authentication;
e) When the merchant terminal 400 transmits the payment information of the user terminal and the goods to the payment system terminal 300 to request payment approval, the payment system terminal 300 transmits the payment approval confirmation information to the user terminal 200 To the merchant terminal (400); And
f) When the user terminal 200 confirms the received payment approval confirmation information and transmits the received payment approval confirmation information to the franchisee terminal 400, the franchisee terminal 400 transmits the payment approval confirmation information to the franchisee terminal 400, A payment approval confirmation information and the payment approval confirmation information received from the merchant terminal 400 by the merchant terminal 400 are transmitted to the payment system terminal 300 to complete the payment, 200). ≪ / RTI > delete delete delete delete delete

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