NEAR FIELD COMMUNICATION (NFC)-BASED PAYMENT SYSTEM AND METHOD

• US 20120303483A1
• Filed: 05/25/2012
• Published: 11/29/2012
• Est. Priority Date: 05/26/2011
• Status: Abandoned Application

• Current Assignee: KT Corporation
• Original Assignee: KT Corporation
• Inventors: LEE, Sang-Bum, YOON, Joo-Young, PARK, Se-Cheol
• Application Number:
  US13/481,258
• Publication Number:
  US 20120303483A1
• Time in Patent Office: Days
• US Class Current: 705/26.41
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices

Abstract

A near field communication (NFC)-based payment method for supporting a payment between seller and purchaser terminals having an NFC module mounted therein. The NFC-based payment method includes: generating and storing a seller code based on seller identification information and sales product information received from the seller terminal, and providing the generated seller code to the NFC module of the seller terminal; generating a purchaser code based on purchaser identification information, purchase product information, and purchase payment information received from the purchaser terminal, matching the purchaser code with the seller code, and storing the purchaser code and the seller code; and transmitting the purchase payment information to the purchaser terminal based on the seller code and the purchaser code which are matched with each other, according to a request of the purchaser terminal acquiring the seller code stored in the NFC module of the seller terminal through NFC.

Claims

1. A near field communication (NFC)-based payment method supporting a payment between at least one seller terminal and at least one purchaser terminal, each having an NFC module mounted therein, comprising:

generating and storing a seller code based on seller identification information and sales product information received from the at least one seller terminal, and providing the generated seller code to the NFC module of the at least one seller terminal;

generating a purchaser code based on purchaser identification information, purchase product information, and purchase payment information received from the at least one purchaser terminal, matching the purchaser code with the seller code, and storing the purchaser code and the seller code; and

transmitting the purchase payment information to the at least one purchaser terminal based on the seller code and the purchaser code which are matched with each other, according to a request of the at least one purchaser terminal acquiring the seller code stored in the NFC module of the at least one seller terminal through NFC.

2. The NFC-based payment method of claim 1, wherein the generating and storing the seller code based on the seller identification information and the sales product information received from the at least one seller terminal and the providing the generated seller code to the NFC module of the seller terminal comprises:

extracting at least one from among device information, operating system (OS) information, and browser information of the at least one seller terminal, which are comprised in user information received from the at least one seller terminal, and generating a seller system code;

generating a seller authentication code for authenticating a seller, based on the user information received from the at least one seller terminal,

generating a sales code based on the sales product information received from the at least one seller terminal; and

generating the seller code by combining at least two from among the seller system code, the seller authentication code, and the sales code, storing the generated seller code, and transmitting the seller code to the seller terminal such that the seller code is stored in the NFC module of the at least one seller terminal.

3. The NFC-based payment method of claim 1, wherein the generating the purchaser code based on the purchaser identification information, the purchase product information, and the purchase payment information received from the at least one purchaser terminal, the matching the purchaser code with the seller code, and the storing the purchaser code and the seller code comprises:

extracting at least one from among device information, operating system (OS) information, and browser information of the at least one purchaser terminal, which are comprised in user information received from the at least one purchaser terminal, and generating a purchaser system code;

generating a purchaser authentication code for authenticating a purchaser based on the user information received from the purchaser terminal;

generating a purchase code based on the purchase product information received from the purchaser terminal;

receiving information on a payment application (app), which is installed in the at least one purchaser terminal to perform a payment, from the at least one purchaser terminal, and generating a payment app code;

receiving information on a purchase payment, which is to be performed by the payment app, from the at least one purchaser terminal, and generating a payment code; and

generating the purchaser code by combining at least two from among the purchaser system code, the purchaser authentication code, the purchase code, the payment app code, and the payment code, matching the purchaser code with the seller code corresponding to the purchaser code, and storing the purchaser code and the seller code.

4. The NFC-based payment method of claim 1, wherein the transmitting the purchase payment information to the at least one purchaser terminal based on the seller code and the purchaser code which are matched with each other, according to the request of the purchaser terminal acquiring the seller code stored in the NFC module of the at least one seller terminal through NFC, comprises:

receiving the seller code and the purchaser identification information from the at least one purchaser terminal having acquired the seller code stored in the NFC module of the at least one seller terminal through NFC;

extracting at least one from among device information, OS information, and browser information of the at least one seller terminal, seller authentication information, and the sales product information, based on the received seller code;

acquiring the purchaser code matched with the seller code based on the seller code and the purchaser identification information; and

extracting at least one from among device information, OS information, and browser information of the at least one purchaser terminal, a purchaser authentication code, the purchase product information, a payment application (app) code, and the purchase payment information based on the acquired purchaser code, and transmitting at least the payment app code and the purchase payment information to the purchaser terminal.

5. A near field communication (NFC)-based payment system for supporting a payment between seller and purchaser terminals having an NFC module mounted therein, the NFC-based payment system comprising:

a seller code generation unit configured to generate a seller code based on seller identification information and sales product information received from at least one seller terminal, and configured to provide the generated seller code to the NFC module of the at least one seller terminal;

a purchaser code generation unit configured to generate a purchaser code based on purchaser identification information, purchase product information, and purchase payment information received from at least one purchaser terminal, and configured to match the purchaser code with the seller code; and

a code analysis unit configured to transmit the purchase payment information to the at least one purchaser terminal, based on the seller code and the purchaser code which are matched with each other, according to a request of the at least one purchaser terminal acquiring the seller code stored in the NFC module of the seller terminal through NFC

6. The NFC-based payment system of claim 5, further comprising a database which stores and manages the seller code and the purchaser code.

7. The NFC-based payment system of claim 5, wherein the seller code generation unit comprises:

a seller system code generator configured to extract at least one from among device information, OS information, and browser information of the at least one seller terminal, which are comprised in user information received from the at least one seller terminal, and configured to generate a seller system code;

a seller authentication code generator configured to generate a seller authentication code for authenticating a seller based on the user information received from the at least one seller terminal;

a sales code generator configured to generate a sales code based on the sales product information received from the at least one seller terminal;

a code combiner configured to combine at least two from among the seller system code, the seller authentication code, and the sales code and generate a seller code; and

a seller code matcher configured to store the generated seller code and transmit the seller code to the at least one seller terminal such that the seller code is stored in the NFC module of the at least one seller terminal.

8. The NFC-based payment system of claim 7, wherein the purchaser code generation unit comprises:

a purchaser system code generator configured to extract at least one from among device information, OS information, and browser information of the at least one purchaser terminal, which are comprised in user information received from the at least one purchaser terminal, and configured to generate a purchaser system code;

a purchaser authentication code generator configured to generate a purchaser authentication code for authenticating a purchaser based on the user information received from the at least one purchaser terminal;

a purchase code generator configured to generate a purchase code based on the purchase product information received from the at least one purchaser terminal;

a payment application (app) code generator configured to receive information on a payment app, which is installed in the at least one purchaser terminal to perform a payment, from the at least one purchaser terminal, and configured to generate a payment app code;

a payment code generator configured to receive information on a purchase payment, which is to be performed by the payment application, from the at least one purchaser terminal, and configured to generate a payment code;

a code combiner configured to generate a purchaser code by combining at least two from among the seller system code, the purchaser authentication code, the sales code, the payment app code, and the payment code; and

a purchaser code matcher configured to match the generated purchaser code with the seller code corresponding to the purchaser code, and store the purchaser code and the seller code.

9. The NFC-based payment system of claim 5, wherein the code analysis unit comprises:

a receiver which receives the seller code and purchaser authentication information from the at least one purchaser terminal having acquired the seller code stored in the NFC module of the at least one seller terminal through NFC;

a seller code extractor configured to extract at least one from among device information, OS information, and browser information of the at least one seller terminal, seller authentication information, and the sales product information, based on the received seller code; and

a purchase information extractor configured to receive the purchaser code matched with the seller code based on the seller code and the purchaser identification information, extract at least one from among device information, OS information, and browser information of the at least one purchaser terminal, a purchaser authentication code, the purchase product information, a payment application code, and the purchase payment information based on the purchaser code, and transmit at least the payment application code and the purchase payment information to the at least one purchaser terminal.

10. A near field communication (NFC)-based payment method supporting a payment between at least one seller terminal and at least one purchaser terminal, each having an NFC module mounted therein, comprising:

generating a seller code based on first information related to the at least one seller terminal;

generating a purchaser code based on second information related to the at least one purchaser terminal, and matching the purchaser code with the seller code; and

transmitting the purchase payment information to the at least one purchaser terminal based on the seller code and the purchaser code which are matched with each other.

11. The NFC-based payment method of claim 10, wherein the first information comprises at least one from among device information, operating system (OS) information, and browser information of the at least one seller terminal.

12. The NFC-based payment method of claim 10, wherein the second information comprises at least one from among device information, operating system (OS) information, and browser information of the at least one purchaser terminal.

13. A near field communication (NFC)-based payment system for supporting a payment between seller and purchaser terminals having an NFC module mounted therein, the NFC-based payment system comprising:

a seller code generation unit configured to generate a seller code based on first information related to at least one seller terminal;

a purchaser code generation unit configured to generate a purchaser code based on second information related to at least one purchaser and configured to match the purchaser code with the seller code; and

a code analysis unit configured to transmit third information to the at least one purchaser terminal, based on the seller code and the purchaser code which are matched with each other.

14. The NFC-based payment system of claim 13, wherein the first information comprises at least one from among device information, operating system (OS) information, and browser information of the at least one seller terminal.

15. The NFC-based payment system of claim 13, wherein the second information comprises at least one from among device information, operating system (OS) information, and browser information of the at least one purchaser terminal.