WO2010024509A1 - Système et méthode de paiement par rfid - Google Patents

Système et méthode de paiement par rfid Download PDF

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Publication number
WO2010024509A1
WO2010024509A1 PCT/KR2009/001353 KR2009001353W WO2010024509A1 WO 2010024509 A1 WO2010024509 A1 WO 2010024509A1 KR 2009001353 W KR2009001353 W KR 2009001353W WO 2010024509 A1 WO2010024509 A1 WO 2010024509A1
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WO
WIPO (PCT)
Prior art keywords
payment
relay server
van company
rfid
portable
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/KR2009/001353
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English (en)
Korean (ko)
Inventor
하용진
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Individual
Original Assignee
Individual
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Filing date
Publication date
Application filed by Individual filed Critical Individual
Publication of WO2010024509A1 publication Critical patent/WO2010024509A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards

Definitions

  • the present invention relates to a payment system and method, and more particularly to a payment system and method using RFID.
  • a certain amount is set based on the credit information of the user, and after the pre-use within the limit of the set amount.
  • a credit card payment method that is being used as a payment method is used.
  • the present invention is to solve the problems of the prior art, an object of the present invention is to provide a payment system and method using RFID that can provide a more convenient contactless method for card payment.
  • Another object of the present invention is to provide a payment system and method using RFID that can solve the problems caused when a plurality of VAN companies exist.
  • the present invention provides a payment system using RFID, a payment card having an RFID tag for storing authentication information of a payment service user; A portable payment terminal that recognizes the RFID tag as contactless and requests authentication of a payment service user and transmits a full payment approval request to a relay server; A relay server configured to receive a user authentication request signal from the portable payment terminal to authenticate the payment service user, receive a payment approval request message, select one of the plurality of VAN company servers, and transmit the full text to the selected VAN company server; And a plurality of VAN company servers that receive the full text from the relay server and generate a payment approval signal.
  • the portable payment terminal may include a universal mobile phone and a reader that can be connected and removed therefrom.
  • the search unit checks whether the payment execution program exists in the universal mobile phone, and if the payment execution program does not exist in the universal mobile phone, the payment execution program is automatically transmitted from the relay server to the universal mobile phone. It may include a program installer to download and install.
  • the relay server may select one of a plurality of VAN company servers according to a predetermined selection ratio.
  • the relay server may include a receiving unit for receiving a user authentication request signal or a payment approval request message from a portable payment terminal; An authentication unit for authenticating a payment service user using the received user authentication request signal; A selection unit for selecting one of a plurality of VAN company servers using the received payment approval request message; And a transmission unit for transmitting the full payment approval request message to the selected VAN company server.
  • the relay server includes a communication unit for enabling communication with the portable payment terminal; And a conversion unit for converting the received payment approval request text to be recognized by the selected VAN company server.
  • the present invention is a payment method using a payment card including a payment card, a portable payment terminal, a relay server, and a plurality of VAN company server having an RFID tag, the method comprising the steps of: non-contact recognition of the RFID tag using a portable payment terminal ; Receiving authentication information of a payment service user stored in an RFID tag by using a portable payment terminal and requesting authentication of a payment service user from a relay server; Transmitting the full payment approval request message from the portable payment terminal to the relay server; Authenticating a payment service user based on a user authentication request signal received from the portable payment terminal at the relay server; And selecting a VAN company server to transmit the full payment approval request received from the relay server.
  • the portable payment terminal may include a universal mobile phone and a reader that can be connected and removed therefrom.
  • the payment method using the RFID according to the present invention comprises the steps of: searching whether a payment execution program exists in the universal mobile phone when the reader is communicatively connected to the universal mobile phone; And automatically downloading and installing the payment execution program from the relay server to the universal mobile phone when the payment execution program does not exist in the general-purpose mobile phone.
  • the VAN company server selection step may be performed according to a predetermined selection ratio.
  • the payment method using RFID according to the present invention may further include transmitting a full payment approval request from a relay server to a selected VAN company server.
  • the payment method using RFID according to the present invention may further include converting the full payment approval request received from the relay server to be recognized by the selected VAN company server.
  • a payment card having an RFID tag storing authentication information of a payment service user is used instead of a conventional magnetic card. It has the advantage of providing a convenient contactless manner.
  • FIG. 1 is a block diagram showing the configuration of a payment system using RFID according to an embodiment of the present invention.
  • FIG. 2 is a block diagram showing the configuration of a payment terminal according to an embodiment of the present invention.
  • FIG. 3 is a schematic diagram showing a configuration of a payment terminal according to another embodiment of the present invention.
  • FIG. 4 is a block diagram showing the configuration of a relay server according to an embodiment of the present invention.
  • FIG. 5 is a flowchart illustrating a process of an electronic payment method using RFID according to an embodiment of the present invention.
  • FIG. 6 is a flowchart illustrating a process of an electronic payment method using RFID according to another embodiment of the present invention.
  • relay server 105 relay DB
  • card 113 VAN company server
  • card company server 401 communication unit
  • FIG. 1 is a block diagram showing the configuration of a payment system using RFID according to an embodiment of the present invention.
  • a payment system using RFID includes a card 111 including a relay server 103, a relay database 105, a payment terminal 107, and an RFID tag 109. , A VAN company server 113, and a card company server 115.
  • the relay server 103 is connected to the network 101 to receive a user authentication request signal from the portable payment terminal 107 to authenticate the payment service user, and to receive a full payment approval request to receive the full text of the VAN company servers 113. Select one and send the message to the selected VAN company server.
  • the relay server 103 is also connected to the relay database 105.
  • the relay database 105 may store all data received, processed, and transmitted by the relay server 103, and output the information at the request of the relay server 103.
  • the RFID tag 109 is issued to the target of the payment service and stores authentication information of the payment service user.
  • RFID radio frequency identification
  • the card 111 may include any one of a credit card, a cash card, a check card, a debit card, and a bearer prepaid card, and additional functions such as a transportation card and an identification card. It may also include.
  • the payment terminal 107 recognizes the RFID tag 109 as contactless, requests authentication of a payment service user, and transmits the full payment approval request to the relay server 103.
  • One or more VAN company servers 113 are selected by the relay server 103 to receive the full text from the relay server 103 and generate a payment approval signal.
  • FIG. 2 is a block diagram showing the configuration of a payment terminal according to an embodiment of the present invention.
  • the payment terminal 107 may include a controller 201, an RFID tag reader 203, a key input unit 205, a transmission interface 207, a display unit 209, and a memory 211. Can be.
  • the RFID tag reader 203 reads the information recorded in the RFID tag 109 and delivers the information to the controller 203.
  • the key input unit 205 receives a variety of information from a user or a service provider, for example, information on service satisfaction, and transmits the information to the controller 203.
  • the memory 211 may store all or part of a program for performing the present invention.
  • the transmission interface 207 connects to the network 101 to transmit the information input through the key input unit 205 and the RFID tag reader unit 203 to the relay server 103.
  • the payment terminal 107 may be a portable communication terminal or a portable information terminal capable of performing the method according to the present invention.
  • the portable communication terminal may be, for example, a mobile phone having a built-in wireless communication function, and the like, and the portable information terminal may be a palmtop computer and a PDA having a wired / wireless communication function.
  • FIG. 3 is a schematic diagram showing a configuration of a payment terminal according to another embodiment of the present invention.
  • the payment terminal 107 includes a general-purpose mobile phone 301 and a reader 303 that can be connected and removed therefrom.
  • the reader 303 is separated and used, and when the service according to the present invention is performed, the reader 303 is connected to the mobile phone 301.
  • a search unit for checking whether a payment execution program exists in the universal mobile phone 301, and a payment execution program in the universal mobile phone 301 are provided. If not present, a program installation unit (not shown) for automatically downloading and installing the payment execution program from the relay server 103 to the general-purpose mobile phone 301.
  • FIG. 4 is a block diagram showing the configuration of a relay server according to an embodiment of the present invention.
  • the relay server 103 includes a communication unit 401, a reception unit 403, an authentication unit 405, a selection unit 407, a conversion unit 409, and a transmission unit 411.
  • the communication unit 401 enables communication with the portable payment terminal 107.
  • the receiver 403 receives a user authentication request signal or a payment approval request message from the portable payment terminal 107.
  • the authenticator 405 authenticates the payment service user by using the received user authentication request signal.
  • the selector 407 selects one of the plurality of VAN company servers 113 by using the received payment approval request text.
  • the selector 407 may select one of the plurality of VAN company servers 113 according to a predetermined selection ratio. For example, when a standard of 2: 8 is set in the VAN company server I and the VAN company server II, the selecting unit 407 selects according to the above-mentioned criteria. In addition, the selector 407 may select a VAN company having a low fee.
  • the conversion unit 409 converts the received payment approval request message to be recognized by the selected VAN company server.
  • the converter 409 may operate when the recognition formats of the plurality of VAN company servers 113 are different.
  • the transmission unit 411 transmits the full payment approval request to the selected VAN company server.
  • FIG. 5 is a flowchart illustrating a process of an electronic payment method using RFID according to an embodiment of the present invention.
  • the method according to the present invention uses a payment system including an RFID tag, a portable payment terminal, a relay server, and a plurality of VAN company servers.
  • the RFID tag is recognized as a contactless type using a portable payment terminal (501).
  • the authentication information of the payment service user stored in the RFID tag is received using the portable payment terminal, and the authentication of the payment service user is requested to the relay server (503).
  • the relay server authenticates the payment service user based on the user authentication request signal received from the portable payment terminal (507).
  • the VAN company server to transmit the full payment approval request received from the relay server is selected (509).
  • the payment approval request message received from the relay server is converted to be recognized by the selected VAN company server (511).
  • the full text of the payment approval request is transmitted from the relay server to the selected VAN company server (513).
  • FIG. 6 is a flowchart illustrating a process of an electronic payment method using RFID according to another embodiment of the present invention.
  • a reader is communicatively connected to a general-purpose mobile phone to perform a payment.
  • the payment execution program when the payment execution program does not exist in the universal mobile phone, the payment execution program is automatically downloaded and installed from the relay server to the universal mobile phone (605). Therefore, it is possible to automatically operate the payment program simply by purchasing the reader and combining it with a general mobile phone.
  • the electronic payment method using RFID can be embodied as computer readable codes on a computer readable recording medium.
  • the computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage, and may also be implemented in the form of a carrier wave (for example, transmission over the Internet). Include.
  • the computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention porte sur un système et une méthode de paiement par RFID mettant en oeuvre un système sans contact commode pour les paiements par carte et pouvant surmonter les problèmes se posant en présence de plusieurs sociétés de réseaux à valeur ajoutée. Pour y parvenir l'invention utilise un système de paiement par RFID comportant: une carte de paiement à marqueur RFID stockant les informations d'authentification d'un utilisateur de service de paiement; un service portable de paiement qui: reconnaît les marqueurs RFID via un système sans contact, effectue une demande d'authentification de l'utilisateur du service de paiement, et transmet des télégrammes de demande à un serveur relais en vue de l'approbation du paiement. Le serveur relais qui reçoit un signal de demande d'authentification d'utilisateur du terminal de paiement portable, authentifie un utilisateur d'un service de paiement, reçoit des télégrammes de demande en vue de l'approbation du paiement, choisit parmi plusieurs un serveur de sociétés VAN, et transmet les télégrammes au serveur de société VAN sélectionné; et plusieurs serveurs de société de VAN qui reçoivent les télégrammes du serveur relais et produisent un signal d'approbation de paiement. L'invention porte également sur une méthode de paiement électronique utilisant le système.
PCT/KR2009/001353 2008-08-25 2009-03-18 Système et méthode de paiement par rfid Ceased WO2010024509A1 (fr)

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KR1020080082815A KR20100024116A (ko) 2008-08-25 2008-08-25 Ｒｆｉｄ를 이용한 결제 시스템 및 방법
KR10-2008-0082815 2008-08-25

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR3005519A1 (fr) * 2013-05-07 2014-11-14 Jean-Claude Pastorelli Systeme de paiement securise par carte bancaire
CN105612543A (zh) * 2013-08-08 2016-05-25 维萨国际服务协会 用于为移动设备供应支付凭证的方法和系统
US11087328B2 (en) 2014-09-22 2021-08-10 Visa International Service Association Secure mobile device credential provisioning using risk decision non-overrides
US12554948B2 (en) 2020-02-11 2026-02-17 Avid Identification Systems, Inc. Method for validating radio frequency identification number

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US10949815B2 (en) 2011-12-13 2021-03-16 Visa International Service Association Integrated mobile trusted service manager
HK1201965A1 (en) 2011-12-13 2015-09-11 维萨国际服务协会 Integrated mobile trusted service manager
KR101537553B1 (ko) * 2013-10-08 2015-07-17 주식회사 다날 터치 결제 기반의 카드 결제 보조 장치 및 방법
KR101705404B1 (ko) * 2014-03-28 2017-02-10 주식회사 우리카드 카드 접촉을 통한 카드 사용 등록 시스템 및 이의 실행 방법
DE102014008419A1 (de) * 2014-06-14 2015-12-17 Manfred Rietzler Verfahren und Anordnung zur Ausführung eines digitalen Zahlungsvorgangs
WO2016122222A1 (fr) * 2015-01-28 2016-08-04 (주)맑은생각 Système d'authentification d'identité de transaction financière en ligne à l'aide d'une carte réelle et procédé associé
KR102757336B1 (ko) * 2020-02-26 2025-01-17 주식회사 케이티 결제 단말의 동작 방법, 서버 장치의 동작 방법 및 결제 단말

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Cited By (9)

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Publication number Priority date Publication date Assignee Title
FR3005519A1 (fr) * 2013-05-07 2014-11-14 Jean-Claude Pastorelli Systeme de paiement securise par carte bancaire
CN105612543A (zh) * 2013-08-08 2016-05-25 维萨国际服务协会 用于为移动设备供应支付凭证的方法和系统
US10510073B2 (en) 2013-08-08 2019-12-17 Visa International Service Association Methods and systems for provisioning mobile devices with payment credentials
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US12361409B2 (en) 2013-08-08 2025-07-15 Visa International Service Association Methods and systems for provisioning mobile devices with payment credentials
US11087328B2 (en) 2014-09-22 2021-08-10 Visa International Service Association Secure mobile device credential provisioning using risk decision non-overrides
US11574311B2 (en) 2014-09-22 2023-02-07 Visa International Service Association Secure mobile device credential provisioning using risk decision non-overrides
US12554948B2 (en) 2020-02-11 2026-02-17 Avid Identification Systems, Inc. Method for validating radio frequency identification number

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