Payment method, payment server performing the same and payment system performing the same

• US 9,864,983 B2
• Filed: 09/13/2013
• Issued: 01/09/2018
• Est. Priority Date: 09/14/2012
• Status: Active Grant

• Current Assignee: LG CNS Company Limited (LBHunet Co., Ltd.)
• Original Assignee: LG CNS Company Limited (LBHunet Co., Ltd.)
• Inventors: Ahn, Tae Hoon
• Primary Examiner(s): Hayles, Ashford S
• Application Number:
  US14/027,059
• Publication Number:
  US 20140081784A1
• Time in Patent Office: 1,579 Days
• Field of Search: 705 21
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment

Abstract

A payment server that includes a payment request receiving unit configured to receive a payment request code including a first partial payment code, and a payment code determination unit configured to determine a second partial payment code based on the received payment request code. The payment server also includes a payment code generation unit configured to generate a payment code based on the first and second partial payment codes, the payment code being payable by a user.

Claims

1. A server, comprising:

a certification unit configured to;

receive a first one-time code from a terminal of a user before a payment request code is submitted from the terminal of the user, the first one-time code is used to certify the user of the terminal;

certify the user of the terminal according to the first one-time code;

generate a second one-time code, after the certifying the user of the terminal;

transmit the generated second one-time code to the terminal after the certifying the user of the terminal, wherein the second one-time code permits the terminal to certify the server and to provide the payment request code;

a payment request receiving unit configured to receive the payment request code from the user, wherein the payment request code includes a first partial payment code;

a payment code determination unit configured to determine a second partial payment code based on the received payment request code, wherein the second partial payment code is a subset of code included in the payment request code and is different from the first partial payment code; and

a payment code generation unit configured to generate a payment code based on the first partial payment code and the second partial payment code, the payment code being payable by the user and to transmit the generated payment code to a payment authority.

2. The server of claim 1, wherein the payment request code includes at least one of a one-dimensional bar code, a two-dimensional bar code, or a Quick Response QR code.

3. The server of claim 1, wherein the payment code generation unit is further configured to:

decrypt a first encrypted partial payment code, the first encrypted partial payment code being encrypted by the terminal of the user through either re-arrangement or masking of the first partial payment code; and

concatenate the decrypted first partial payment code and the second partial payment code to generate the payment code.

4. The server of claim 3, wherein the generated payment code corresponds to a payment code in a credit card, a smart card, a debit card or a prepaid card.

5. The server of claim 1, further comprising:

a payment processing unit configured to perform payment processing on transaction information through the payment authority based on the generated payment code.

6. The server of claim 5, wherein the payment processing unit is further configured to:

compare a certification value received from the terminal of the user and a pre-stored certification value to self-verify the generated payment code before performing the payment processing through the payment authority.

7. The server of claim 6, wherein the payment processing unit is further configured to:

transmit a result of the payment processing to the terminal of the user independently of the payment authority.

8. A payment method performed at a server, the method comprising:

receiving a first one-time code from a terminal of a user before a payment request code is submitted from the terminal of the user, the first one-time code is used to certify the user of the terminal;

certifying the user of the terminal according to the first one-time code;

generating a second one-time code, after the certifying the user of the terminal;

transmitting the generated second one-time code to the terminal after the certifying the user of the terminal, wherein the second one-time code permits the terminal to certify the server and to provide the payment request code;

receiving the payment request code from the user, wherein the payment request code includes a first partial payment code;

determining a second partial payment code based on the received payment request code, wherein the second partial payment code is a subset of code included in the payment request code and is different from the first partial payment code;

generating a payment code based on the first partial payment code and the second partial payment code, the payment code being payable by the user; and

transmitting the generated payment code to a payment authority.

9. The method of claim 8, wherein the payment request code includes at least one of a one-dimensional bar code, a two-dimensional bar code, or a Quick Response (QR) code.

10. The method of claim 8, wherein the generating a payment code includes:

decrypting a first encrypted partial payment code, the first encrypted partial payment code being encrypted by the terminal of the user through re-arrangement or masking of the first partial payment code; and

concatenating the decrypted first partial payment code and the second partial payment code to generate the payment code.

11. The method of claim 10, wherein the generated payment code corresponds to a payment code of a credit card, a smart card, a debit card or a prepaid card.

12. The method of claim 8, further comprising:

performing payment processing on payment information through the payment authority based on the generated payment code.

13. The method of claim 12, wherein the performing the payment processing includes comparing a certification value received from the terminal of the user and a pre-stored certification value to autonomously verify the generated payment code before the payment processing through the payment authority.

14. The method of claim 13, wherein the performing the payment processing includes transmitting a result of the payment processing to the terminal of the user independently of the payment authority.

15. A machine-readable non-transitory medium having stored thereon machine-executable instructions for:

receiving a first one-time code from a terminal of a user before a payment request code is submitted from the terminal of the user, the first one-time code is used to certify the user of the terminal;

certifying the user of the terminal according to the first one-time code;

generating a second one-time code, after the certifying the user of the terminal;

transmitting the generated second one-time code to the terminal after the certifying the user of the terminal, wherein the second one-time code permits the terminal to certify the server and to provide the payment request code;

receiving the payment request code from the user, wherein the payment request code includes a first partial payment code;

determining a second partial payment code based on the received payment request code, wherein the second partial payment code is a subset of code included in the payment request code and is different from the first partial payment code;

generating a payment code based on the first partial payment code and the second partial payment code, the payment code being payable by user; and

transmitting the generated payment code to a payment authority.