KR20120128941A - Online Payment System and Method Using NFC - Google Patents

Online Payment System and Method Using NFC Download PDF

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Publication number
KR20120128941A
KR20120128941A KR1020110046897A KR20110046897A KR20120128941A KR 20120128941 A KR20120128941 A KR 20120128941A KR 1020110046897 A KR1020110046897 A KR 1020110046897A KR 20110046897 A KR20110046897 A KR 20110046897A KR 20120128941 A KR20120128941 A KR 20120128941A
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KR
South Korea
Prior art keywords
nfc
mobile communication
communication device
url
online
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Application number
KR1020110046897A
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Korean (ko)
Inventor
이상근
Original Assignee
인크로스 주식회사
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Publication date
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Priority to KR1020110046897A priority Critical patent/KR20120128941A/en
Publication of KR20120128941A publication Critical patent/KR20120128941A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G06F16/95—Retrieval from the web
    • G06F16/955—Retrieval from the web using information identifiers, e.g. uniform resource locators [URL]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

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  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Databases & Information Systems (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Business, Economics & Management (AREA)
  • Data Mining & Analysis (AREA)
  • General Engineering & Computer Science (AREA)
  • Signal Processing (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to an online payment system and method using NFC.
According to the present invention, the user can pay for the goods at a desired place and time using a mobile communication device equipped with an NFC chip, so even without the user's own terminal, such as a certificate, a program according to a payment method, a security program, etc. You can purchase products conveniently without any installation.

Description

Online payment system and method using NFC {Online Payment System and Method Using NFC}

The present invention relates to an online payment system and method using NFC.

With the development of electronic, communication and internet technologies, various contents are appearing on the internet. Internet sites are also diversifying and the products sold are diversified. For example, there are various kinds of necessities such as daily necessities, foods, stationery, clothing, etc. necessary for real life, videos, sound recordings, items traded in games, and game money.

In general, in order to purchase these products online, a user can search for the product in an online shopping mall using a personal PC, log in and purchase the product through payment, or use the price comparison site to search for the product and select the online product with the selected product. The payment method after logging in to the shopping mall was widely used.

However, when ordering from an online shopping mall using a personal PC, a security program for credit card authentication, etc. must be stored in the PC for security reasons. Therefore, in order to purchase a product in an online shopping mall, a buyer has to use a PC that stores a security program for a certificate, a credit card, and the like.

Although it was possible to carry the official certificate stored in USB, mobile communication device, etc., it is inconvenient to carry the cable separately in order to connect with the PC, and the payment module used for payment depends on the payment method used. It is inconvenient to download to your PC because it is different. Therefore, even if there is a product that has to be purchased urgently, if the purchaser is not the usual PC, payment is made after installing all programs related to payment.

In addition, there is a disadvantage that it takes a considerable time to search for a product to use all the processes of searching for and paying for the product using only a mobile communication device.

The present invention has been made to solve the above-mentioned problems, an online payment system and method that allows a user to conveniently purchase the products he wants to purchase regardless of the place using a mobile communication device equipped with an NFC chip The purpose is to provide.

In order to achieve the above object, a payment system using NFC (Near Field Communication) according to the present invention includes an online shopping mall server; A terminal connected to the server through a communication network and installed with an NFC module; And a mobile communication device equipped with an NFC chip. The terminal may include transmitting URL information of the server to the mobile communication device through the NFC module when the mobile communication device is in proximity or contact, and the mobile communication device includes an application for analyzing the URL information. do.

In addition, the application includes a URL parser for analyzing the URL information received from the terminal.

The application stores the user's personal information, analyzes the URL information, and automatically inputs the personal information to the online shopping mall server.

In order to achieve the above object, a payment method using NFC according to the present invention includes a first step of selecting a product in an online shopping mall using a terminal having an NFC module; A second step of the NFC module reading the NFC chip so that the terminal recognizes the mobile communication device equipped with the NFC chip; A third step of the terminal transmitting URL information corresponding to the product to the mobile communication device through the NFC module; A fourth step of analyzing the URL information received by the application installed in the mobile communication device; A fifth step in which the application automatically inputs user's personal information to a server of the online shopping mall according to the analyzed URL information; A sixth step of receiving, by the mobile communication device, information of a web page corresponding to the analyzed URL from the server; A seventh step of outputting the received web page on the screen of the mobile communication device; And an eighth step in which the mobile communication device transmits payment information of the product to make the payment on the online shopping mall. It includes.

In this case, the application includes a URL parser for analyzing the URL.

As described above, the present invention has the following effects.

First, since payment is made for a product using a mobile communication device, a product can be purchased regardless of a place.

Second, it is possible to purchase a product quickly by reducing the time required to install an authorized certificate, a program according to a payment method, a security program, etc. required for online product payment.

The following drawings, which are attached in this specification, illustrate preferred embodiments of the present invention, and together with the detailed description thereof, serve to further understand the technical spirit of the present invention. It should not be interpreted.
1 is a block diagram of an online payment system using NFC according to the present invention.
2 is a flowchart sequentially illustrating an online payment method using NFC according to the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, and the well-known technical parts will be omitted or compressed for brevity of description.

As used herein, the term "online shopping mall" refers to any Internet site where payment is made online.

< NFC Explanation of Online Payment System Using

1 is a block diagram of an online payment system using NFC according to the present invention.

Referring to FIG. 1, an online payment system using NFC according to the present invention includes a terminal 100, a mobile communication device 200, and an online shopping mall server 300.

The terminal 100 is a PC, a laptop, or the like, connected by a communication network, and is equipped with an NFC module 110.

The NFC module 110 refers to a device capable of transmitting and receiving data by recognizing when the NFC chip is at a short distance of about 10 cm. Where the NFC module 110 is mounted is not limited to any particular portion on the terminal.

NFC module 110 is configured to include a reading unit for reading the NFC chip and a data transmission unit for transmitting data. The NFC module 110 recognizes the mobile communication device 200 when the NFC chip is in contact with or approaches the NFC chip, and transmits URL information provided by the online shopping mall server 300 to the NFC chip mounted on the mobile communication device 200. do.

Although the mobile communication device 200 is equipped with an NFC chip, wireless communication is possible, various applications may be mounted, and a smartphone capable of executing the mounted application is planned, but mobile communication capable of executing the mounted application is possible. Any device can be preferably applied. The mobile communication device 200 is equipped with an online payment application for implementing an online payment technology using the NFC chip according to the present invention.

The online payment application is a computer readable program optimized to be executed on the mobile communication device 200 and has the following characteristic functions.

First, it has the function of analyzing URL information. The online payment application includes a URL parser to analyze URL information received from the NFC module 110. The URL information provided by the online shopping mall server 300 includes product information such as a shopping mall URL, a URL for a product, a shipping destination URL, a discount coupon URL, a point URL, and information related to delivery.

Secondly, it has a function of automatically inputting user's personal information. The online payment application stores user's personal information and has a function of automatically inputting user's personal information such as user's identification number (ID) and password for each shopping mall. Therefore, the user is logged in to the online shopping mall according to the automatically analyzed URL information without the need for manual input.

Third, it has a function of outputting the web page of the online shopping mall on the screen. The web page of the online shopping mall may be output on the screen of the mobile communication device 200 according to the analyzed URL information.

Fourth, it has a function of storing a payment related program. You can store and manage security programs for online payments, programs by payment methods, and accredited certificates. Therefore, you may not experience the complicated and time-consuming inconvenience of downloading a payment related program separately.

The online shopping mall server 300 is configured to include a database storing information of goods sold to a server of an online shopping mall selling goods online and a payment module performing payment. When the terminal 100 of the user connects to request information about the product, the terminal 100 transmits URL information about the corresponding product to the terminal 100 of the user. In addition, the payment command is received from the mobile communication device 200 to perform the payment.

< NFC Explanation of online payment method using

The online payment method using NFC will be described in more detail with reference to FIGS. 2 and 3.

1. Select the product (S100)

The terminal 100 having the NFC module 110 accesses the online shopping mall server 300, selects a specific product on the online shopping mall, and requests and receives URL information about the product. In this case, as shown in FIG. 2, when the user touches the "online payment" application icon, the online payment application is executed.

2. Mobile communication device recognition (S200)

When the mobile communication device 200 equipped with the NFC chip is in contact with or close to the NFC module 110, the NFC module 110 reads the NFC chip so that the terminal 100 recognizes the mobile communication device 200.

3. URL information transmission (S300)

The terminal 100 transmits the URL information on the product selected in step S100 to the mobile communication device 200 through the NFC module 110.

4. URL Information Analysis (S400)

The URL information received in step S300 is analyzed through a URL parser for analyzing the URL included in the online payment application.

5. Enter personal information (S500)

According to the URL information analyzed in step S400, the user's personal information is automatically input to the server 300 of the online shopping mall through a program embedded in the application. There is no fear of confusing personal information such as user identification number (ID), password, etc. according to each online shopping mall, and there is no inconvenience of having to input manually, so that a user can conveniently purchase a product.

6. Receive web page information (S600)

The mobile communication device 200 analyzes the URL information in steps S400 and S500 and receives webpage information of the corresponding product from the online shopping mall server 300 according to the input user information.

7. Web page output on the mobile communication device screen (S700)

The web page is displayed on the screen of the mobile communication device 200 according to the information of the web page received from the online shopping mall server 300. At this time, the web page shows the step just before payment of the product.

8. Payment of goods (S800)

The payment method is selected through the mobile communication device 200, and payment for the corresponding product is performed through the payment module of the online shopping mall server 300.

As described above, those skilled in the art will understand that the present invention can be implemented in other specific forms without changing the technical spirit or essential features. It is therefore to be understood that the above-described embodiments are to be considered in all respects as illustrative and not restrictive. The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.

100: terminal
110: NFC module
200: mobile communication device
300: Online shopping mall server

Claims (5)

Online shopping mall server;
A terminal connected to the server through a communication network and having a Near Field Communication (NFC) module installed thereon; And
A mobile communication device equipped with an NFC chip; Including,
The terminal transmits the URL information of the server to the mobile communication device through the NFC module when the mobile communication device is in close proximity or contact,
The mobile communication device is an online payment system using NFC, characterized in that it comprises an application for analyzing the URL information.
The method of claim 1,
The application is an online payment system using NFC, characterized in that it comprises a URL parser (parser) for analyzing the URL information received from the terminal.
The method of claim 1,
The application stores the personal information of the user, the online payment system using NFC, characterized in that automatically input the personal information to the online shopping mall server after analyzing the URL information.
A first step of selecting a product in an online shopping mall using a terminal having a Near Field Communication (NFC) module;
A second step of the NFC module reading the NFC chip so that the terminal recognizes the mobile communication device equipped with the NFC chip;
A third step of the terminal transmitting URL information corresponding to the product to the mobile communication device through the NFC module;
A fourth step of analyzing the URL information received by the application installed in the mobile communication device;
A fifth step in which the application automatically inputs user's personal information to a server of the online shopping mall according to the analyzed URL information;
A sixth step of receiving, by the mobile communication device, information of a web page corresponding to the analyzed URL from the server;
A seventh step of outputting the received web page on the screen of the mobile communication device; And
An eighth step in which the mobile communication device transmits payment information of the product and the payment is made on the online shopping mall; Online payment method using NFC, characterized in that it comprises a.
The method of claim 4, wherein
The application is an online payment method using NFC, characterized in that it comprises a URL parser (parser) for analyzing the URL.


KR1020110046897A 2011-05-18 2011-05-18 Online Payment System and Method Using NFC KR20120128941A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020110046897A KR20120128941A (en) 2011-05-18 2011-05-18 Online Payment System and Method Using NFC

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020110046897A KR20120128941A (en) 2011-05-18 2011-05-18 Online Payment System and Method Using NFC

Publications (1)

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KR20120128941A true KR20120128941A (en) 2012-11-28

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KR1020110046897A KR20120128941A (en) 2011-05-18 2011-05-18 Online Payment System and Method Using NFC

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103246838A (en) * 2013-04-27 2013-08-14 深圳市亚略特生物识别科技有限公司 External device of mobile terminal
CN105527399A (en) * 2016-02-01 2016-04-27 杭州绿洁水务科技股份有限公司 Water quality analyzer
IL290829B2 (en) * 2022-02-23 2023-06-01 Nayax Ltd System, device and method for digital payment
IL292283B1 (en) * 2022-04-14 2023-07-01 Nayax Ltd System, device and method to transferdigital payment over digital network

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103246838A (en) * 2013-04-27 2013-08-14 深圳市亚略特生物识别科技有限公司 External device of mobile terminal
CN105527399A (en) * 2016-02-01 2016-04-27 杭州绿洁水务科技股份有限公司 Water quality analyzer
IL290829B2 (en) * 2022-02-23 2023-06-01 Nayax Ltd System, device and method for digital payment
IL292283B1 (en) * 2022-04-14 2023-07-01 Nayax Ltd System, device and method to transferdigital payment over digital network

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