Payment support method and system

Patent metadata

Field	Value
Publication number	US-10032143-B2
Application number	US-201514818837-A
Country	US
Kind code	B2
Filing date	Aug 5, 2015
Priority date	Jan 25, 2013
Publication date	Jul 24, 2018
Grant date	Jul 24, 2018

Abstract

A method and a system for payment support are provided. The payment support method may include creating an account used for a payment service via a wallet server apparatus, connecting to the wallet server apparatus using the account, registering personal identification information including hardware information of a terminal device in the account, and associating at least one payment option with the personal identification information stored in the wallet server apparatus.

First claim

What is claimed is:

1. A method for supporting a payment service in a wallet server apparatus, the method comprising:
receiving, by a transceiver of the wallet server apparatus, account information and hardware information of a terminal device from the terminal device;
generating, by at least one processor of the wallet server apparatus, personal identification information based on the received account information and the received hardware information of the terminal device;
storing, by at least one memory of the wallet server apparatus, the personal identification information;
receiving, by the transceiver of the wallet server apparatus, a payment request for a product purchase from the terminal device;
receiving, by the transceiver of the wallet server apparatus, the personal identification information including the hardware information of the terminal device from the terminal device;
performing, by the at least one processor of the wallet server apparatus, terminal verification based on the received personal identification information including the hardware information of the terminal device;
sending, upon completion of the terminal verification, by the wallet server apparatus, the payment request for the product purchase to a financial support apparatus; and
receiving, by the transceiver of the wallet server apparatus, a result of payment approval,
wherein the hardware information is unique information for identifying the terminal device and associated with an electronic component embedded in the terminal device,
wherein the hardware information comprises at least one of a serial number of the terminal device, media access control (MAC) information of the terminal device, or memory ID of the terminal device.

2. The method of claim 1 , wherein the hardware information is automatically extracted from hardware configuration information on electronic components embedded in the terminal device.

3. The method of claim 1 , further comprising sending, after the terminal verification, by the transceiver of the wallet server apparatus, payment option information preregistered by the terminal device to the terminal device.

4. The method of claim 1 , further comprising one of:
generating, by the wallet server apparatus, identification card information related to the account, providing the identification card information to the terminal device, and storing, according to a request from the terminal device, the identification card information so that the identification card information is mapped with information on the terminal device; and
registering identification card information provided by the terminal device in the account open for the terminal device, and storing the identification card information so that the identification card information is mapped with information on the terminal device.

5. The method of claim 4 , further comprising:
receiving a payment request for a product purchase, the personal identification information, and one of payment options preregistered in the terminal device from the terminal device;
receiving the identification card information from a member store apparatus, and sending the identification card information and the payment request to a financial support apparatus; and
receiving payment approval for the payment request from the financial support apparatus according to validity of the identification card information.

6. The method of claim 4 , wherein the providing of the identification card information comprises one of:
fabricating, by the wallet server apparatus, an identification card containing the identification card information and delivering the identification card to the terminal device; and
generating, by the wallet server apparatus, the identification card information as disposable information and sending the disposable identification card information to the terminal device.

7. The method of claim 6 , wherein the disposable identification card information is sent through at least one of key input, a barcode reader, or short-range wireless communication.

8. A system for supporting a payment service, the system comprising:
a terminal device configured to:
store a wallet program used for the payment service,
transmit, when the subscription of the payment service is requested through the wallet program, account information and hardware information of the terminal device to a wallet server apparatus, and
receive a registration result from the wallet server apparatus; and

a wallet server apparatus configured to:
receive the account information and the hardware information from the terminal device,
generate personal identification information based on the received account information and the received hardware information,
store the generated personal identification information,
receive a payment request for a product purchase and the personal identification information from the terminal device,
perform, by the wallet server apparatus, terminal verification based on the received personal identification information including the hardware information of the terminal device,
send, upon completion of the terminal verification, the payment request for the product purchase to a financial support apparatus, and
receive a result of payment approval,

wherein the hardware information is unique information for identifying the terminal device and associated with an electronic component embedded in the terminal device, and
wherein the hardware information comprises at least one of a serial number of the terminal device, media access control (MAC) information of the terminal device, or memory ID of the terminal device.

9. A wallet server apparatus for supporting a payment service comprising:
a transceiver;
at least one processor; and
at least one memory,
wherein the at least one processor is configured to:
control the transceiver to receive account information and hardware information of a terminal device from the terminal device,
generate personal identification information based on the account information and the hardware information of the terminal device,
store the generated personal identification information,
receive a payment request for a product purchase and the personal identification information from the terminal device,
perform terminal verification based on the received personal identification information including the hardware information of the terminal device,
send, upon completion of the terminal verification, the payment request for the product purchase to a financial support apparatus, and receive a result of payment approval, and

wherein the hardware information is unique information for identifying the terminal device and associated with an electronic component embedded in the terminal device, and
wherein the hardware information comprises at least one of a serial number of the terminal device, media access control (MAC) information of the terminal device, or memory ID of the terminal device.

10. The apparatus of claim 9 , wherein the hardware information is automatically extracted from hardware configuration information on electronic components embedded in the terminal device.

11. The apparatus of claim 9 , wherein the at least one processor sends, after the terminal verification, payment option information preregistered by the terminal device to the terminal device.

12. The apparatus of claim 9 , wherein the at least one processor is further configured to:
generate identification card information related to the account, provide the identification card information to the terminal device, and store according to a request from the terminal device, the identification card informatio

Assignees

• Samsung Electronics Co Ltd

Inventors

• Kim Kyungdong
• Lee Shinwoo

Classifications

• G06Q20/36 Primary

  using electronic wallets or electronic money safes · CPC title

• G06Q20/10 Primary

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/401

  Transaction verification · CPC title

• G06Q20/363 Primary

  with the personal data of a user · CPC title

• G06Q20/4014

  Identity check for transactions · CPC title