Payment support method and system

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.

What is claimed is: 
     
         1 . 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 
   the 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.   
     
     
         2 . 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, 
   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.   
     
     
         3 . The apparatus of  claim 2 , wherein the hardware information is automatically extracted from hardware configuration information on electronic components embedded in the terminal device. 
     
     
         4 . The apparatus of  claim 2 , wherein the at least one processor is further configured to send, after the terminal verification, payment option information preregistered by the terminal device to the terminal device. 
     
     
         5 . The apparatus of  claim 2 , 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 information so that the identification card information is mapped with information on the terminal device, or   register identification card information provided by the terminal device in the account open for the terminal device, and store the identification card information so that the identification card information is mapped with information on the terminal device.   
     
     
         6 . The apparatus of  claim 5 , wherein the at least one processor is further configured to:
 receive 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,   receive the identification card information from a member store apparatus, and send the identification card information and the payment request to a financial support apparatus, and   receive payment approval for the payment request from the financial support apparatus according to validity of the identification card information.   
     
     
         7 . The apparatus of  claim 5 , wherein the identification card information is fabricated as an identification card containing the identification card information, or is generated as disposable information and the at least one processor sends the disposable identification card information to the terminal device. 
     
     
         8 . A terminal device for supporting a payment service comprising:
 at least one memory configured to store a wallet program used for the payment service;   at least one processor configured to control a subscription of the payment service through the wallet program; and   a transceiver configured to:
 transmit, when the subscription of the payment service is requested, account information and hardware information of the terminal device to a wallet server apparatus, and 
 receive a registration result from the wallet server apparatus, the registration result based on personal identification information generated by at least one processor of the wallet server apparatus based on the transmitted account information and the transmitted hardware information, 
   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 . The terminal device of  claim 8 , wherein the hardware information is automatically extracted from hardware configuration information on electronic components embedded in the terminal device. 
     
     
         10 . The terminal device of  claim 8 , wherein the at least one processor is further configured to connect to the wallet server apparatus using the wallet program installed to access the wallet server apparatus when the wallet program is selected for activation or by automatically activating the wallet program according to a request from the wallet server apparatus.