Patent KR-20130075752-A (KR)
Title: Method for near field transaction by using providing dynamic created code
Inventor: KIM JAE HYUNG
IPC: G06Q20/16
Filed: 2013-04-22
Abstract: PURPOSE: A short distance transaction method using a dynamically generated token code is provided to enable a convenient and safe financial transaction through a predetermined token code which is volatilized by a predetermined random variable or time elapse. CONSTITUTION: A payment terminal requests client wireless terminal information (1805). The payment terminal requests a predetermined token code which is generated by a token agent of a wireless terminal (1815). A client wireless terminal drives the token agent of the wireless terminal through a predetermined personal identification number (PIN) (1820). The token agent generates a predetermined token code based on token generation information and a token generation algorithm and outputs the predetermined token code to a wireless terminal screen (1825). When the generated token code is inputted, the payment terminal generates a predetermined payment processing request text and transmits the same to a server (1830,1835,1840). The predetermined payment processing request text includes generated payment information, wireless terminal information, and a token code inputted through a key input unit. The server extracts the wireless terminal information and the token code; generates a predetermined token authentication code; and confirms the effectiveness of the token code (1845-1855). When the effectiveness is authenticated, predetermined payment processing for the payment information is performed and a receipt is printed (1860,1870,1875). [Reference numerals] (1800) Payment terminal generates payment information by converting a token code based payment mode and inputting a payment amount (receiving from a POS); (1805) Payment terminal request client wireless terminal information through a key input means; (1810) Input wireless terminal information?; (1815) Payment terminal request token code input generates by a token agent of a wireless terminal through the key input means; (1820) Wireless terminal drives the token agent through a PIN; (1825) Token agent outputs a screen by generating a token code; (1830) Input the token code?; (1835) Payment terminal generates a payment processing request text including the wireless terminal information and the payment information; (1840) Payment terminal transmits the payment processing request text to a server; (1845) Server extracts the wireless terminal information and the token code by reading the payment processing request text; (1850) Sever generates a token authentication code by extracting token agent information related to the wireless terminal information from a storage medium; (1855) Server confirms effectiveness of the token code by comparing the received token code and the generated token authentication code; (1860) Authenticate the effectiveness of the token code?; (1865) Server generates a payment processing failure text, transmits and outputs the payment processing failure text to the payment terminal, and print a receipt; (1870) Server processes payment by extracting a financial transaction means (payment means) related to the wireless terminal information from the storage medium; (1875) Server generates a payment processing approval text, transmits and outputs the payment processing approval text to the payment terminal, and print a receipt; (AA) Start; (BB,DD,FF) No; (CC,EE,GG) Yes; (HH) End