KR101749939B1 - Electronic payment certification server based on payment image matched with phone number, electronic payment system, electronic payment method and electronic payment application - Google Patents

Abstract

The present invention relates to an electronic payment authentication server, an electronic payment system, an electronic payment method, and an electronic payment application based on a settlement image matched with a telephone number. The billing image-based electronic payment method matching the telephone number of the present invention includes the steps of transmitting, to the authentication server, a payment request signal including the telephone number and the payment details of the purchaser input by the seller terminal, and when the authentication server receives the payment request signal Extracting a telephone number of the buyer included in the received payment request signal, and transmitting an authentication request signal to the buyer terminal matched with the extracted telephone number, and when the buyer terminal receives the authentication request signal, And transmitting an authentication response signal, which is a result of the authentication procedure, to the authentication server. When the authentication server receives the authentication response signal, it extracts the telephone number from the authentication response signal, Transmitting a settlement request signal to the settlement server on the basis of the payment request signal, On the basis of the arc running the payment authorization process, and transmitting the result of the approval process to the authentication server.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic settlement authentication server, an electronic settlement system, an electronic settlement method, and an electronic settlement application based on a settlement image matched with a telephone number,

The present invention relates to an electronic payment authentication server, an electronic payment system, an electronic payment method, and an electronic payment application based on a settlement image matching a telephone number, and more particularly to an electronic payment authentication server using an application card image matched with a telephone number, , An electronic payment method, and an electronic payment application.

In recent years, with the development of information communication technology, attempts have been actively made to integrate ICT into heterogeneous industrial fields. With the introduction of ICT technology in the traditional financial industry, a new technology issue is emerging, called Pintech.

FinTech is a combination of financial and technology, which means a new form of financial technology that combines ICT with finance. This means alternative financial services in various fields such as remittance, settlement, asset management, funding, etc., which take advantage of the Internet and mobile-based platform, which are highly accessible to consumers, away from traditional financial services centered on stores.

Such PINTECH not only improves user convenience, but also has a positive effect of providing new value added to the user and urging the development of a new type of financial service that has not been available.

On the other hand, PinTech uses ICT, which can have catastrophic consequences even if only one security vulnerability is exposed. For example, if a mobile terminal user is exposed to a malicious attack via SMS such as smishing in a situation where a user is authenticated via SMS (Short Message Service) and then uses a micropayment, There is a problem that second and third financial accidents may occur due to personal information hijacking.

In order to solve these problems, security technology has become an important issue in PINTECH, and there is a need for a technology capable of providing financial service as before, while exposing the personal information of the user as a minimum unit .

The present invention, which is devised in accordance with the above-described needs, is to provide an electronic payment system that can promptly make an electronic settlement while minimizing personal information of a purchaser, match a telephone number that can select various payment means, An electronic payment system, an electronic settlement method, and an electronic settlement application.

According to another aspect of the present invention, there is provided an electronic payment method using an electronic payment system including a buyer terminal, a seller terminal, an authentication server, and a payment server, The terminal transmits a payment request signal including a telephone number of the purchaser and a payment history inputted by the terminal to the authentication server. When the authentication server receives the payment request signal, the telephone number of the purchaser included in the received payment request signal And transmitting the authentication request signal to the purchaser terminal matched with the extracted telephone number. When the purchaser terminal receives the authentication request signal, the purchaser terminal executes an authentication procedure of the purchaser, Transmitting an authentication response signal to the authentication server; Extracting a telephone number from the authentication response signal and transmitting an approval request signal to the payment server based on the payment image file matched with the extracted telephone number; And when the payment server receives the approval request signal, executing the approval procedure based on the telephone number and transmitting the result of the approval procedure to the authentication server.

The transmitting of the payment request signal may include searching a payment image file matched with the extracted telephone number in the list of payment image files; And extracting information on the payment server from the retrieved payment image file according to a result of the retrieving step.

Here, the payment image file is an image-based electronic file including at least one of credit card information, bank account information, and mobile carrier billing information.

The purchaser's authentication procedure may include displaying the push message triggered by the received authentication request signal to the purchaser terminal, sensing a touch input of the purchaser with respect to the displayed push message, And authenticating the purchaser accordingly.

An electronic payment authentication server based on a settlement image, which is matched with a telephone number according to another embodiment of the present invention, is an electronic settlement authentication server capable of communicating with a buyer terminal, a seller terminal and a payment server, Receiving a payment request signal including payment details, receiving a payment request signal, extracting a telephone number of a purchaser included in the received payment request signal, authenticating the purchaser terminal matched with the extracted telephone number, An extracting unit for extracting a telephone number from the received authentication response signal upon receipt of an authentication response signal from a buyer terminal that has received the authentication request signal, And a transmission unit configured to transmit the retrieved payment image file Generates a secure channel with the payment server, and transmits an approval request signal through the secure channel.

Here, the retrieval unit retrieves a settlement image file matched with the extracted telephone number in a plurality of settlement image file lists, and extracts information on the settlement server from the searched settlement image file.

The payment image file is an image-based electronic file including at least one of credit card information, bank account information, and mobile carrier payment information.

The settlement image-based electronic payment system matched with a telephone number according to another embodiment of the present invention includes a seller terminal for receiving a telephone number of a purchaser and payment details, a payment request including a phone number of the entered buyer and a payment history An authentication server which extracts a telephone number of a buyer included in the received payment request signal and transmits an authentication request signal to the buyer terminal matched with the extracted telephone number when the signal is received from the seller terminal, A buyer terminal that executes an authentication procedure of the purchaser and transmits an authentication response signal that is a result of the authentication procedure to the authentication server, and an authentication server that receives the approval request signal from the authentication server, Executing the approval procedure based on the received telephone number, and transmitting the result of the approval procedure to the authentication server Wherein the authentication server extracts a telephone number from the authentication response signal upon receipt of the authentication response signal, extracts a settlement image matching the extracted telephone number from the plurality of settlement image files, Extracts information about the payment server from the searched payment image file, and transmits the approval request signal to the payment server based on the extracted information about the payment server.

Here, the payment image file is an image-based electronic file including at least one of credit card information, bank account information, or mobile carrier payment information.

According to another embodiment of the present invention, there is provided an electronic payment application for executing an electronic payment method in an electronic payment system including a buyer terminal, a seller terminal, an authentication server, and a payment server, A payment request signal including a telephone number of the purchaser entered into the seller terminal and payment details is transmitted from the seller terminal to the authentication server, and when the authentication server receives the payment request signal, A process of extracting a telephone number of a buyer included in the request signal and transmitting an authentication request signal to the buyer terminal related to the extracted telephone number is executed. When the buyer terminal receives the authentication request signal, Executes the procedure, and transmits an authentication response When the authentication server receives the authentication response signal, extracts the telephone number from the authentication response signal, extracts the extracted telephone number from the list of the plurality of settlement image files, A processing for searching for a matched settlement image file and transmitting an approval request signal to the settlement server based on the retrieved settlement image file; and when the settlement server receives the approval request signal, And executing a process of executing the approval procedure and transmitting the result of the approval procedure to the authentication server.

According to various embodiments of the present invention, electronic payment can be processed promptly while minimizing the personal information of the purchaser using electronic payment, and the purchaser can select various payment means, so that remarkable Effect.

1 is a block diagram illustrating a configuration of an electronic payment system based on a settlement image matching a telephone number according to an embodiment of the present invention;
2 is a diagram illustrating a procedure of a settlement image-based electronic settlement method matched with a telephone number executed in a seller terminal according to an embodiment of the present invention;
3 is a diagram illustrating a procedure of a settlement image-based electronic settlement method matched with a telephone number executed in an authentication server according to an embodiment of the present invention;
4 is a timing diagram illustrating a processing procedure of a settlement image-based electronic settlement method matched with a telephone number in an authentication server according to an embodiment of the present invention
5 is a diagram illustrating a process of a payment image based electronic payment application matched with a telephone number executed in a shopper terminal according to an embodiment of the present invention;
6 is a flowchart illustrating an electronic settlement method using an electronic settlement system based on a settlement image matched with a telephone number according to an embodiment of the present invention,
FIG. 7 is a diagram for explaining transmission / reception signals of an electronic payment system based on a settlement image matching a telephone number according to an embodiment of the present invention.

Hereinafter, various embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited or limited by the embodiments.

In various embodiments of the present invention, the electronic payment system may be implemented as a seller terminal, a purchaser terminal, an authentication server, and a payment server, and the seller terminal may be implemented as a POS (Point of Sales) system. The purchaser terminal may be implemented as a mobile device such as a cellular phone, a PDA phone, a smart phone, a tablet, and the like. The authentication server and the payment server may be implemented as a web server capable of communicating with the seller terminal and the buyer terminal. The authentication server and the payment server may be physically implemented as one integrated server or logically as one integrated server. Alternatively, the authentication server and the payment server can be implemented separately and can be mutually networked in an electrical manner.

In various embodiments of the present invention, an App Card refers to an electronic form of a credit card, a check card, a cash card, etc. Such an AppCard can be expressed in various terms such as a mobile card, a virtual card, .

In various embodiments of the present invention, the settlement image means an electronic settlement image file for various types of settlement means. Electronic payment image files are not limited to formats such as compression formats and extensions, and the types of electronic payment images include various kinds of cards such as credit card images, virtual bankbook images, virtual point card images, gift certificate images, virtual money images, Financial accounts, and the like.

Terms such as matching or mapping used in various embodiments of the present invention refer to a method of temporarily storing a payment image and a telephone number in a database by associating or matching them with each other, May be distinguished according to the database design method, or may be used in the same sense.

In various embodiments of the present invention, the telephone number refers to a cellular telephone number (CTN), and the telephone number includes various identification numbers such as a virtual telephone number, a mobile telephone number, and the like.

<Configuration of Electronic Payment System>

1 is a block diagram illustrating a configuration of an electronic settlement system according to an embodiment of the present invention. The electronic payment system 10 will be described with reference to FIG. An electronic payment system 10 according to an embodiment of the present invention includes a seller terminal 100, an authentication server 200, a buyer terminal 300, and a payment server 400. [

The seller terminal 100 is a device for inputting a payment history or the like so that the buyer can pay the price of the purchased goods or services when the buyer purchases goods or services. The seller terminal 100 includes an input unit 110, a display unit 130, a storage unit 150, a communication unit 170, and a control unit 190.

The seller terminal 100 can receive information for requesting settlement processing through the input unit 110. [ The input unit 110 may be implemented by various types of input devices such as a keyboard, a touch pad, a touch screen, and a mouse.

The seller terminal 100 can display information such as settlement details and payment method through the display unit 130. [ The display unit 130 may be implemented by various display devices such as an LCD, an LED, and an AMOLED. The display unit 130 may be implemented as a touch screen capable of recognizing a user's touch. The display unit 130 may display a menu screen for selecting various payment methods such as cash settlement, card settlement, point settlement, telephone number settlement, and gift voucher settlement.

The seller terminal 100 can store various information related to the device information, the seller information, the payment details, and the payment method through the storage unit 150. [ The storage unit 150 may be implemented by various memory devices such as an SDRAM, a RAM, a ROM, a FLASH MEMORY, and an EEPROM.

The seller terminal 100 can communicate with a remote server through the communication unit 170. [ The communication unit 170 may support a wired / wireless interface, and may be implemented as a communication module supporting various communication standards, such as a LAN, a wireless LAN, and a cellular communication module.

The seller terminal 100 may be implemented in the form of a POS system or may be a terminal that has previously subscribed to a payment agent service provided by a payment gateway (PG) company or a value added network (VAN) company. The seller terminal 100 can communicate with a PG company or a server of a VAN company via a communication unit 170 by wire or wireless. Here, PG stands for a company that provides a variety of micro-settlement services such as credit card, account transfer, mobile phone payment, and ARS payment. VAN means a provider of banking network that connects banks and companies, and a credit card network provider that connects card companies and merchants.

The seller terminal 100 can control various functions of the various components described above by the control unit 190. [ The control process by the control unit 190 is not described in detail because the present invention can be understood without detailed explanation.

When the authentication server 200 receives the payment request from the seller terminal 100, the authentication server 200 transmits an authentication request to the buyer terminal 300 to check whether the received payment request is a legitimate payment request by the authenticated user, And transmits the approval request to the payment server 400. [

The authentication server 200 includes a communication unit 210, a database unit 230, and a control unit 250. The authentication server 200 may further include an input unit (not shown), an output unit (not shown), and an operation unit (not shown). These constituent elements may be further provided as needed, but they are not essential elements for understanding the present invention, and therefore, a detailed description thereof will be omitted.

The authentication server 200 can communicate with the seller terminal 100, the purchaser terminal 300 and the payment server 400 through the communication unit 210 by wire or wireless. The authentication server 200 can receive payment request information from the seller terminal 100. [ The authentication server 200 may transmit authentication request information to the purchaser terminal 300. [ The authentication server 200 may transmit an approval request signal to the payment server 400 when the authentication response information is received from the authorized purchaser terminal 300. [

The authentication server 200 can communicate with the purchaser terminal 300 to execute the initial user registration procedure of the electronic payment method according to the embodiment of the present invention. Such a procedure will be described below with reference to a separate drawing.

The authentication server 200 stores various types of electronic settlement-related information such as seller-related information, shopper-related information, and payment server-related information in the database 230. According to an embodiment of the present invention, the authentication server 200 stores the phone number information and the settlement image file information as the shopper related information by matching with each other. Therefore, the authentication server 200 uses the phone number as an identifier to perform approval processing to the payment server 400 Can be requested.

The authentication server 200 can control the functions of the communication unit 210, the database 230, and other components by the control unit 250. [ The control processing for storing or reading the shopper related information in the database 230 during the control processing by the control unit 250 will be separately described below.

The buyer terminal 300 means a terminal owned by a buyer who purchases goods or services. According to an embodiment of the present invention, the purchaser terminal 300 can be used to determine whether or not the purchaser terminal 300 is a legitimate purchaser by communicating with the authentication server 200 through wired / wireless lines. Such a purchaser terminal 300 includes various mobile terminals such as a cellular phone, a smart phone, a PDA phone, and a tablet.

The purchaser terminal 300 includes a communication unit 310, a display unit 330, a storage unit 350, an input unit 370, and a control unit 390. Since the purchaser terminal 300 is implemented as a mobile terminal, the purchaser terminal 300 may include a battery (not shown), an input / output unit (not shown), an input / output interface (not shown)

The purchaser terminal 300 can download the electronic payment application, execute the electronic payment application, and execute the user registration procedure with the authentication server 200 for electronic payment.

Upon receiving the authentication request from the authentication server 200, the purchaser terminal 300 can execute the process of authenticating the purchaser and transmit the authentication result to the authentication server 200. [ The user authentication process can be implemented by various authentication methods such as OTP (One Time Password), biometrics, ID / password, and pattern recognition. The specific process of the user's authentication process will be described separately below.

When the payment server 400 receives the approval request from the authentication server 200, the payment server 400 extracts the telephone number information included in the received approval request, executes the payment approval process using the extracted telephone number, To the server (200).

The payment server 400 includes a communication unit 410, a database unit 430, and a control unit 450. The payment server 400 may further include an input unit (not shown), an output unit (not shown), and an operation unit (not shown). These constituent elements may be further provided as needed, but they are not essential elements for understanding the present invention, and therefore, a detailed description thereof will be omitted.

The payment server 400 can communicate with the authentication server 200 via the communication unit 410 by wire or wireless. The payment server 400 can receive an approval request signal from the authentication server 200. [ The payment server 400 analyzes the received approval request signal, extracts telephone number information, and retrieves payment information matched to the extracted telephone number. The payment server 400 can proceed the payment processing according to the payment means matched with the extracted telephone number in accordance with the search result and transmit the payment processing result to the authentication server 200 as the approval result.

The payment server 400 includes a server device that provides various electronic payment services such as a credit card company server, a bank server, and a mobile communication company server. Hereinafter, it is assumed that the payment server 400 is a credit card company server, and the description is only for the sake of understanding, and it is not intended to limit the payment server 400 to a credit card company server.

Hereinafter, a procedure in which an electronic settlement method according to an embodiment of the present invention is executed in a seller terminal will be described.

&Lt; Electronic payment method process at seller terminal >

2 is a diagram illustrating a procedure of an electronic settlement method executed in a seller terminal according to an embodiment of the present invention. Referring to FIG. 2, the seller terminal 100 can be implemented as a POS system. When a seller inputs a price of a product or service, input information can be temporarily stored in the seller terminal 100.

When the price entry procedure and the like are completed in the seller terminal 100, the display unit 130 of the seller terminal 100 may display a menu screen for selecting a payment method. For example, in the configuration of the menu screen, a plurality of items are displayed in an NxM matrix format, and names of payment methods can be displayed in each item. The configuration of the menu screen can be implemented in various layouts besides the matrix format.

Since the payment method according to the embodiment of the present invention is a payment method using a telephone number, when the seller selects the telephone number payment item displayed on the display unit 130 of the seller terminal 100, the electronic payment method using the telephone number Lt; / RTI &gt;

When a telephone number payment item is selected on the display unit 130 of the seller terminal 100, a window for inputting a telephone number may be displayed on the display unit 130. [ When the buyer's telephone number is input to the seller terminal 100, the telephone number may be displayed in the window or a symbol may be displayed instead of the telephone number. The manner in which the seller inputs the telephone number of the purchaser to the seller terminal 100 can be variously implemented by a direct input method using a keyboard and an indirect input method using NFC, voice recognition, a barcode scanner, or the like.

Upon receiving the telephone number of the purchaser, the seller terminal 100 transmits a payment request signal including the inputted telephone number and payment details to the authentication server 200. [

Processing procedures of the electronic connection method in the authentication server 200 after transmitting the settlement request signal to the authentication server 200 will be separately described below. When the seller terminal 100 receives the approval result signal from the authentication server 200, a notification message indicating success or failure of approval is displayed on the display unit 130 of the seller terminal 100 based on the approval result signal .

<Electronic payment method execution process in authentication server>

3 is a diagram illustrating a procedure of an electronic settlement method executed in an authentication server according to an embodiment of the present invention. Referring to FIG. 3, the authentication server 200 according to an exemplary embodiment of the present invention includes a receiving unit, a transmitting unit, an extracting unit, and a searching unit. The receiving unit and the transmitting unit are a communication unit 210 integrally implemented as a transmitting and receiving communication module, and the extracting unit and the searching unit can be implemented by the database 230 and the control unit 250.

The authentication server 200 receives a settlement request signal from the seller terminal 100. At this time, the settlement request signal is information including the telephone number of the purchaser and payment details inputted to the seller terminal 100. [

Upon receiving the payment request signal, the authentication server 200 extracts the telephone number of the purchaser included in the received payment request signal. The authentication server 200 transmits an authentication request signal to the purchaser terminal 300 related to the extracted telephone number. At this time, the authentication request signal is information including the telephone number of the purchaser and payment details. The authentication request signal is transmitted to the purchaser terminal 300, and causes the buyer terminal 300 to display a push message. Here, the push message includes various information regarding the payment history.

When the authentication server 200 receives the authentication response signal from the purchaser terminal 300 that has completed the authentication processing, the authentication server 200 extracts the telephone number from the received authentication response signal. The authentication server 200 searches the settlement image file using the telephone number extracted from the list of settlement image files stored in the database.

The authentication server 200 identifies the settlement server 400 based on the retrieved settlement image file, creates a secure channel with the identified settlement server 400, and transmits an approval request signal through the secure channel.

The authentication server 200 may be implemented as a PG company server or a VAN company server. Upon receipt of the payment request signal from the seller terminal 100, the authentication request server transmits an authentication request signal to the buyer terminal 300 and an approval request server transmits an approval request to the payment server 400 upon receiving the authentication response signal It can also be implemented. Hereinafter, an embodiment in which the authentication request server and the approval request server are integrated into one will be described.

4 is a timing diagram illustrating a process of an electronic settlement method in an authentication server according to an embodiment of the present invention. Referring to FIG. 4, the authentication server 200 receives a settlement request signal from the seller terminal 100 (S401). The received payment request signal includes the buyer's telephone number and payment history information. The authentication server 200 analyzes the received payment request signal and extracts the telephone number of the purchaser (S402). That is, since the settlement request signal transmitted from the seller terminal 100 includes information on at least one buyer's telephone number, the authentication server 200 analyzes the settlement request signal received in packet form to extract the buyer's telephone number can do. The authentication server 200 transmits an authentication request signal to the buyer terminal 300 corresponding to the extracted telephone number (S403). At this time, the authentication server 200 can transmit an authentication request signal to the buyer terminal 300 through the SMS method. Alternatively, the authentication server 200 may transmit an authentication request signal to the purchaser terminal 300 already installed with the electronic payment application, and the authentication request signal may execute an electronic payment application installed in the purchaser terminal 300 to transmit a push message to the purchaser terminal 300. [ The display unit 300 can display the image.

The authentication server 200 receives the authentication response signal from the purchaser terminal 300 that has completed the authentication process (S404) (S405). The authentication server 200 analyzes the received authentication response signal and extracts the telephone number (S406). That is, since the authentication response signal transmitted from the purchaser terminal 300 includes information on at least one purchaser telephone number, the authentication server 200 analyzes the authentication response signal received in the form of packets to extract the telephone number of the purchaser can do. Also, the authentication server 200 can extract information about the authentication processing result included in the authentication response signal.

If it is confirmed that the user is an authorized purchaser according to the authentication processing result, the authentication server 200 searches the database 230 for the payment image file corresponding to the extracted telephone number (S407). The database 230 of the authentication server 200 stores the seller terminal information, the purchaser terminal information, the payment history information, the payment image file matched with the telephone number, and the like. Since a series of procedures for reading, writing, and storing data in the database 230 of the authentication server 200 follows a general DB data processing method, a detailed description thereof will be omitted.

The database 230 of the authentication server 200 matches and stores the telephone number and the settlement image file (S408). For example, a payment image file matched to a telephone number is at least one or more image-based electronic files. An exemplary telephone number and a mapping table of the payment image file are as follows.

Referring to Table 1, at least one image file information matched with a telephone number is stored in the database 230 of the authentication server 200 for each user. For example, a user named 'Hong Gil Dong' can identify 010-1234-5678 as a phone number and two image files as a phone number 010-1234-5678. That is, the above-described table can be implemented in a file list format having a telephone number as an identifier.

According to an embodiment of the present invention, the authentication server 200 includes the database 230 that searches for a payment image file from a list of payment image files using a telephone number as an identifier, It is possible to provide an electronic payment method in a simple manner in which an approval request can be made to the electronic settlement apparatus 400.

Since the authentication server 200 is generally operated by a PG company, a VAN company, or the like, the authentication server 200 maintains a higher level of security than a general server. Therefore, ), And it is very unlikely that they will be able to leak personal information.

In addition, since a secure channel is established between the authentication server 200 and the payment server 400 and information exchange is performed using the secure channel, the confidentiality of information can be maintained higher than that of a general communication channel, It is not vulnerable to malicious attacks such as hacking.

The authentication server 200 analyzes the retrieved billing image file to identify the billing server 400 for requesting the approval processing and displays the billing image file matching the extracted billing server 400. [ (S409).

The authentication server 200 receives an approval result signal from the payment server 400 that has completed the analysis processing (S410) and the approval processing (S411) (S412). The authentication server 200 analyzes the received approval result signal and extracts the telephone number (S413). The authentication server 200 transmits an approval result signal to the seller terminal 100 matching the telephone number (S414). The authentication server 200 transmits a payment completion message to the purchaser terminal 300 matching the extracted telephone number (S415).

The electronic settlement method executed in the authentication server 200 can be organically driven with the seller terminal 100 and the buyer terminal 300 that have already installed the electronic settlement application according to the present invention. Hereinafter, a procedure in which the electronic payment application is executed in the purchaser terminal 300 will be described.

&Lt; Execution of electronic payment application at the purchaser terminal >

5 is a diagram for explaining a process of an electronic payment application executed in a buyer terminal according to an embodiment of the present invention. Referring to FIG. 5, the purchaser terminal 300 includes a communication unit 310, a display unit 330, and a storage unit 350. Such a purchaser terminal 300 is preferably implemented as a mobile terminal such as a smart phone, a cellular phone, a tablet, and the like. The purchaser terminal 300 may include function means for downloading the electronic payment application, installing the downloaded electronic payment application, and executing the downloaded electronic payment application.

In order to execute the electronic settlement method according to the embodiment of the present invention in the buyer terminal, the electronic settlement application must be installed in advance in the buyer terminal 300 and the initial service registration procedure must be executed. Hereinafter, an example of an initial service registration procedure of the electronic payment application in the purchaser terminal 300 will be described.

The purchaser terminal 300 can receive an electronic payment application according to an embodiment of the present invention from a remote web server. The purchaser terminal 300 stores the downloaded application in the storage unit 350 and can execute various control processes in accordance with the operation instruction of the user.

When the electronic payment application is installed in the buyer terminal 300, the initial service registration procedure is executed. The service registration procedure includes a series of procedures for inputting information about the user. Specifically, when the electronic payment application is executed in the purchaser terminal 300, a window win 1 for inputting personal information (date of birth, name, email, phone number) is displayed on the display unit 330 of the purchaser terminal 300 Is displayed.

When the user inputs user information by using an input device (not shown) of the purchaser terminal 300, the inputted user information is stored in the storage unit 350 and transmitted to the authentication server 200 through the communication unit 310 in real- Lt; / RTI &gt;

The authentication server 200 stores the received user information in the database 230, extracts a telephone number from the user information, and transmits the extracted telephone number to a plurality of payment servers 400-1 and 400 -2, and 400-n, respectively. The plurality of payment servers 400-1, 400-2, and 400-n searches for a service subscriber based on the received telephone number, extracts the payment means information registered by the searched service subscriber when the service subscriber is searched, (200). If the service subscriber is not searched, it notifies the authentication server 200 that there is no subscriber. For example, when the payment server 400 is a credit card company server, the payment server 400 searches for a subscriber that matches the received phone number of the card service subscribers, Extracts the information, converts the extracted card information into an image file, and transmits the image file to the authentication server 200.

Upon receiving the image file from the plurality of payment servers 400-1, 400-2, and 400-n, the authentication server 200 transmits the received image file to the buyer terminal 300 of the corresponding phone number.

The buyer terminal 300 displays the received image file on the display unit 330. [ When the user selects at least one of the displayed images, the selected image file is stored in the storage unit 350 and the selection information of the image file is transmitted to the authentication server 200.

Upon receiving the selection information, the authentication server 200 simultaneously transmits the telephone number and the image file to the payment server 400 that has transmitted the image file according to the received selection information, Request registration.

Upon receiving the service registration request, the payment server 400 transmits a message to the authentication server 200 to accept the service registration. When the authentication server 200 receives the message to be accepted, the authentication server 200 matches the telephone number and the image file and stores it in the database 230. The authentication server 200 stores the telephone number and the image file, and then transmits a notification message about the service registration to the buyer terminal 300.

Upon receiving the notification message of completion of service registration, the purchaser terminal 300 terminates the initial registration process of the electronic payment application and activates the use of the electronic payment application.

<Electronic payment method using electronic payment system>

6 is a flowchart illustrating an electronic settlement method using an electronic settlement system according to an embodiment of the present invention. 6, an electronic payment method according to an embodiment of the present invention includes a payment request processing step S610, an authentication request processing step S630, an authentication response processing step S650, an approval request processing step S670, And an approval result notification step (S690).

Specifically, when the seller terminal 100 receives the telephone number of the purchaser and the payment history in step S610, the payment terminal generates a payment request signal including the input telephone number and payment details, and transmits the payment request signal to the authentication server 200 .

In step S630, when the authentication server 200 receives the settlement request signal, it extracts the telephone number of the buyer included in the received settlement request signal. The authentication server 200 transmits an authentication request signal to the purchaser terminal 300 matched with the extracted telephone number. At this time, the authentication request signal may be transmitted to the buyer terminal 300 in various formats such as an SMS, a push message, and a pop-up message.

In step S650, when the purchaser terminal 300 receives the authentication request signal, a message informing the authentication process is displayed on the display unit 330. [ For example, the message may include a message to guide the payment request, and a confirmation or cancel button may be displayed to confirm whether or not to execute the authentication procedure. When the buyer selects the OK button, the purchaser's authentication procedure is executed. If the buyer selects the cancel button, a guide message indicating whether or not to cancel the authentication procedure may be displayed, and if the user agrees with the guide message, the authentication procedure is terminated. If the user selects the proceeding of the authentication procedure, it executes the authentication procedure of the purchaser in the manner already set by the user. The authentication procedure can be handled in various ways such as OTP, biometrics, ID / password, pattern recognition, and the like. The purchaser terminal 300 transmits an authentication response signal including the result of the authentication procedure to the authentication server 200. [

In step S670, when the authentication server 200 receives the authentication response signal, it analyzes the authentication response signal and extracts the telephone number. The authentication server 200 searches the settlement image file matched with the telephone number extracted from the database 230. [ When the authentication server 200 searches the payment image file, the authentication server 200 transmits an approval request signal to the payment server 400 based on the retrieved payment image file.

In step S690, when the payment server 400 receives the approval request signal, it extracts the telephone number from the received approval request signal. The payment server 400 executes a payment approval procedure based on the extracted telephone number. The payment server 400 executes an approval procedure using at least one of card information, bank account information, and carrier payment information associated with the telephone number. The payment server 400 transmits the result of the approval procedure to the authentication server 200. [

7 is a view for explaining transmission and reception signals of an electronic settlement system according to an embodiment of the present invention. Referring to FIG. 7, the signal transmitted from the seller terminal 100 to the authentication server 200 is a payment request signal, and the payment request signal includes a telephone number of a purchaser and payment details. The signal transmitted from the authentication server 200 to the purchaser terminal 300 is an authentication request signal, and the authentication request signal includes a telephone number of a purchaser and payment details. The signal transmitted from the purchaser terminal 300 to the authentication server 200 is an authentication response signal, and the authentication response signal includes the telephone number of the purchaser and the authentication result. The signal transmitted from the authentication server 200 to the payment server 400 is an approval request signal, and the approval request signal includes the telephone number of the purchaser and payment details. The signal transmitted from the payment server 400 to the authentication server 200 is an approval result signal, and the approval result signal includes the telephone number of the purchaser and the approval result. The signal transmitted from the authentication server 200 to the seller terminal 100 is an approval result signal, and the approval result signal includes the telephone number of the buyer and the approval result.

In FIG. 7, the authentication server 200 and the payment server 400 may be implemented as a safe zone. That is, between the authentication server 200 and the payment server 400, more personal information can be transmitted and received for approval processing. However, the security zone is more secure than other areas, so that the probability that information such as the bin number and the expiration date of sensitive personal information, such as a credit card, is leaked to the outside is extremely low.

According to an embodiment of the present invention, a signal transmitted to and received from each component in the electronic payment system includes a telephone number of a buyer. By using the telephone number of the purchaser as the identification information, various types of request processing that can be used in an electronic payment method such as a payment request, an authentication request, and an approval request can be executed.

The methods described above in accordance with various embodiments of the present invention may be stored as code in non-transitory computer readable storage media. The code for performing the above-described methods according to various embodiments of the present invention may be stored in a memory such as a random access memory (RAM), a flash memory, a ROM (Read Only Memory), an EPROM (Erasable Programmable ROM), an Electrically Erasable and Programmable ROM ), A register, a hard disk, a removable disk, a memory card, a USB memory, a CD-ROM, and the like.

Although illustrative embodiments and applications of the present invention have been shown and described, many changes and modifications may be made without departing from the scope of the present invention, and such modifications may be made by one of ordinary skill in the art to which the present invention pertains It can be clearly understood. Accordingly, the described embodiments are illustrative and not restrictive, and the invention is not limited by the accompanying detailed description, but is capable of modifications within the scope of the claims.

Claims (10)

A settlement image-based electronic settlement method matched with a telephone number using an electronic settlement system including a buyer terminal, a seller terminal, an authentication server, and a settlement server,
Transmitting to the authentication server a settlement request signal including the telephone number of the buyer and payment details entered by the seller terminal;
Extracting a telephone number of a buyer included in the received payment request signal when the authentication server receives the payment request signal and transmitting an authentication request signal to the buyer terminal matched with the extracted telephone number;
Performing a purchaser's authentication procedure when the purchaser terminal receives the authentication request signal and transmitting an authentication response signal as a result of the authentication procedure to the authentication server;
Extracts a telephone number from the authentication response signal, searches a list of a plurality of settlement image files for a settlement image file matched with the extracted telephone number, Identifying a payment server for requesting payment approval processing, and transmitting an approval request signal to the identified payment server; And
And a step of, when the payment server receives the approval request signal, executing an approval procedure based on the telephone number and transmitting the result of the approval procedure to the authentication server, Way. delete The method according to claim 1,
Wherein the payment image file is an image-based electronic file including at least one of credit card information, bank account information, and mobile carrier billing information. The method according to claim 1 or 3,
Wherein the purchaser's authentication procedure comprises: displaying a push message triggered by the received authentication request signal to the buyer terminal;
Sensing a touch input of a buyer for the displayed push message; And
And a step of authenticating the buyer according to the touch input. A billing image-based electronic payment authentication server that matches a telephone number that can communicate with a buyer terminal, a seller terminal, and a payment server,
A receiving unit for receiving a payment request signal including a telephone number of a purchaser and payment details input to the seller terminal;
A transmitter for extracting a telephone number of a buyer included in the received settlement request signal and transmitting an authentication request signal to the buyer terminal matched with the extracted telephone number upon receiving the settlement request signal;
An extracting unit for extracting a telephone number from the received authentication response signal upon receiving an authentication response signal from a purchaser terminal that has received the authentication request signal; And
And a retrieval unit for retrieving a settlement image file matched with the extracted telephone number,
The transmission unit generates a secure channel with the payment server based on the retrieved settlement image file, transmits an approval request signal through the secure channel,
Wherein the search unit searches a payment image file matched with the extracted telephone number in a list of a plurality of payment image files and identifies a payment server for requesting payment approval processing by analyzing the retrieved payment image file, Based electronic payment authentication server based on a billing image matched with a telephone number to be authenticated. delete 6. The method of claim 5,
Wherein the payment image file is an image-based electronic file including at least one of credit card information, bank account information, and mobile carrier billing information. A seller terminal for receiving a telephone number of the purchaser and payment details;
Upon receiving a payment request signal including the telephone number and the payment details of the input buyer from the seller terminal, the telephone number of the buyer included in the received payment request signal is extracted, and the buyer terminal An authentication server for transmitting an authentication request signal to the authentication server;
A buyer terminal for receiving the authentication request signal and executing an authentication procedure of the purchaser and transmitting an authentication response signal as a result of the authentication procedure to the authentication server; And
And a payment server for receiving an approval request signal from the authentication server and executing an approval procedure based on the telephone number included in the received approval request signal and transmitting the result of the approval procedure to the authentication server,
Wherein the authentication server extracts a telephone number from the authentication response signal, retrieves a settlement image file matched with the extracted telephone number from a list of a plurality of settlement image files, Wherein the settlement server identifies a settlement server for requesting settlement approval processing by analyzing the image file, and transmits the approval request signal to the identified settlement server. 9. The method of claim 8,
Wherein the payment image file is an image-based electronic file including at least one of credit card information, bank account information, or mobile carrier billing information. A payment image-based electronic payment application matched with a telephone number for executing an electronic payment method in an electronic payment system including a buyer terminal, a seller terminal, an authentication server, and a payment server,
A payment request signal including a telephone number of the purchaser entered into the seller terminal and payment details is transmitted from the seller terminal to the authentication server,
When the authentication server receives the payment request signal, extracts a telephone number of the purchaser included in the received payment request signal and transmits an authentication request signal to the purchaser terminal related to the extracted telephone number,
When the buyer terminal receives the authentication request signal, executes a process of authenticating the purchaser and transmitting an authentication response signal as a result of the authentication procedure to the authentication server,
Extracts a telephone number from the authentication response signal, retrieves a settlement image file matched with the extracted telephone number from a list of a plurality of settlement image files, Analyzes the file to identify a payment server for requesting a payment approval process, executes a process for transmitting an approval request signal to the identified payment server, and
An electronic settlement application stored in the medium for executing an approval procedure based on the telephone number when the settlement server receives the approval request signal and executing a process of transmitting a result of the approval procedure to the authentication server.

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