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KR-20260067215-A - Method for making domestic online payments using a trusted foreigner's temporary account as a means of identity verification for accessing domestic digital services and foreigner's temporary account-based payment system performing the same

KR20260067215AKR 20260067215 AKR20260067215 AKR 20260067215AKR-20260067215-A

Abstract

The embodiments relate to a method for performing domestic online payments using a reliable temporary account of a foreigner as a means of identity verification for accessing domestic digital services, and a payment system based on a temporary account of a foreigner that performs the same, wherein a server (300) receives a request for a temporary account of a foreigner from a terminal device (100) of a foreigner; the server (300) or the terminal device (100) of a foreigner authenticates the foreigner based on the request for a temporary account of a foreigner; when the foreigner is authenticated, the authentication period of the foreigner is set based on at least one of the information among the maximum authentication period pre-set for the foreigner's country, the foreigner's departure date, the foreigner's entry date, and the foreigner's period of stay information; when the foreigner who requested the issuance of an account is authenticated, an authentication token of the authenticated foreigner is issued; a temporary account of the foreigner is issued to the foreigner for whom the authentication token was issued; a deposit of the foreigner is charged into the temporary account of the foreigner; and domestic online payments of the foreigner are performed for a store selling goods or services based on the foreigner's authentication token and temporary account.

Inventors

  • 조용우

Assignees

  • 주식회사 토모로우

Dates

Publication Date
20260512
Application Date
20241105

Claims (12)

  1. In a method for conducting domestic online payments using a reliable temporary account of a foreigner, which is performed by a payment system based on a temporary account of a foreigner, as a means of identity verification for accessing domestic digital services, Step (S100) of receiving a request for a temporary account from a foreigner from a foreigner's terminal device (100) at a server (300); A step (S200) of authenticating a foreigner based on a temporary account request of the foreigner by a server (300) or a foreigner's terminal device (100); When the above foreigner is authenticated, a step of setting the authentication period of the said foreigner based on at least one of the following: a maximum authentication period pre-set for the country of the said foreigner, the date of departure of the said foreigner, the date of entry of the said foreigner, and information on the period of stay of the said foreigner; Step (S400) of issuing an authentication token for the authenticated foreigner when the foreigner who requested the issuance of an account is authenticated; Step of issuing a temporary account of the foreigner to the foreigner to whom an authentication token has been issued (S500); Step of charging the foreigner's deposit into the foreigner's temporary account (S600); and The method includes the step (S700) of proceeding with a domestic online payment by the foreigner to a store selling goods or services based on the foreigner's authentication token and temporary account, and The above foreigner is a foreigner residing in the country within the pre-set minimum period of stay required for the issuance of an alien registration card, or a foreigner who has exceeded the minimum period of stay and is awaiting the issuance of the above alien registration card after applying for it. The step (S200) of authenticating the above foreigner is, Characterized by including the step (S210) of performing a first authentication on a foreigner by comparing the foreigner's passport information and airline ticket information with each other. method.
  2. In paragraph 1, The above-mentioned foreigner's request for a temporary account includes one or more pieces of information among the foreigner's identification information, period of stay information, entry information, passport information, airline ticket information, foreigner's telecommunications carrier identification number, device identification number, and subscriber identification number, and The above passport information is obtained by OCR processing the passport image by the foreigner's terminal device and reading the text appearing on the passport image, and The above-mentioned airline ticket information is characterized by being obtained by OCR processing the airline ticket image and reading the text appearing in the airline ticket image. method.
  3. In paragraph 1, the step (S210) of performing the first authentication is, A step of performing 1-1 authentication for foreigners by comparing passport information and airline ticket information; Includes, The step of performing the above 1-1st authentication is, To compare the information and the flight ticket information, if the name in the passport information and the name in the flight ticket information do not match, a step of selecting the name with the shorter text length between the name in the passport information and the name in the flight ticket information; A step of detecting matching and non-matching parts for other statements in a selected short statement; Characterized by including the step of determining that the name in the passport information and the name in the airline ticket information are matched when the text of the non-matching part of the short name is included in the text of the non-matching part of the other name. method.
  4. In paragraph 1, the step (S200) of authenticating the foreigner is, A step (S220) of obtaining the foreigner's foreign bank account information while transferring the minimum unit amount that can be transferred to the foreigner's foreign bank account, which is entered as the foreigner user's profile information; A step (S221) of comparing the name information in the acquired foreign bank account information with the name information in the acquired passport and airline ticket, and if the name information of the foreigner acquired during the remittance process matches the name in the passport information and the name in the airline ticket information as a result of the comparison, processing the 2-1st authentication as successful, and if they do not match, processing the 2-1st authentication as a failure; The method is characterized by including a step (S222) of comparing the nationality information in the acquired foreign bank account information with the nationality information of the passport and airline ticket obtained through the scan unit (105), and if the nationality information of the foreigner obtained during the remittance process matches the nationality in the passport information and the nationality in the airline ticket information as a result of the comparison, the 2-2nd authentication is processed successfully, and if they do not match, the 2-2nd authentication is processed as a failure. method.
  5. In paragraph 1, the step (S200) of authenticating the foreigner is, A step of determining whether the location of the terminal device (100) corresponds to the country of entry listed on the airline ticket based on the GPS information of the terminal device (100) acquired at the time of shooting of the airline ticket image providing airline ticket information, in order to confirm and further authenticate the fact of entry of the foreigner based on the GPS information of the foreigner's terminal device (100); A step (S224) of determining that the entry of a foreigner has been successfully authenticated when the location of the terminal device (100) corresponds to the country of entry listed on the airline ticket; and Characterized by including a step (S240) of deciding to authenticate the foreigner when the result of all performed authentication operations indicates authentication success. method.
  6. In paragraph 1, the step of setting the certification period of the foreigner; is, If the above temporary account request does not include departure flight ticket information, a step of calculating the authentication period of the foreigner based on a pre-set authentication period for the foreigner's country and the foreigner's entry date; If the above temporary account request includes departure flight ticket information, the method comprises the step of comparing the end date of the first authentication period of the foreigner calculated based on the foreigner's entry date and the authentication period pre-set for the foreigner's country and the foreigner's country of entry with the foreigner's departure date shown in the departure flight ticket information, setting the earlier of the foreigner's departure date and the end date of the foreigner's first authentication period as the end date of the foreigner's final authentication period, and setting the final authentication period of the foreigner having the end date of the final authentication period; characterized by including the step of method.
  7. In claim 1, the step of issuing the authentication token (S400) is a step of issuing the authentication token of the foreigner through the blockchain network (1000) by generating a token issuance transaction for the foreigner on the blockchain network (1000) based on the foreigner's authentication result and temporary account request, and a step of generating the foreigner's DID based on the foreigner's authentication result and temporary account request; The method is characterized by including the step of generating a token issuance transaction on a blockchain network (1000) that includes the foreigner's DID, validity data indicating the success of validating the DID's validity, the foreigner's authentication period, and requester data indicating identification information of the server (300), in order to issue an authentication token of the foreigner corresponding to the foreigner's DID. method.
  8. In paragraph 1, the step (S700) of proceeding with domestic online payment by the foreigner is, A step (S710) of transmitting a payment request from a foreigner and a store based on the interaction between the foreigner and the store payment system (500) to the financial institution system connected to the store payment system (500); In order to obtain the temporary account of the foreigner and the main account of the server (300) connected to the temporary account, the financial institution system transmits a request for an authentication means to the server (300) that includes at least some information included in the payment request (S730); If, at the time of receiving the request for authentication means, the foreigner's temporary account is valid and the authentication token is valid, the server (300) transmits a payment approval request including the foreigner's temporary account to the financial institution system as a response to the request for authentication means (S750); If the above financial institution system is a domestic account required as a means of identity verification to access domestic digital services under the Financial Real Name Act, the above financial institution system transfers the payment amount in the above payment request to the above server (300) to the payment registration account of the above store payment system (500) (S770); and The method includes the step (S790) of sending a notification of the transfer result to the server (300) and the store payment system (500), and The above temporary account is a Type 1 temporary account into which physical currency is transferred or a Type 2 temporary account into which cryptocurrency is transferred, and Characterized by the fact that, by the server, if the payment time does not exceed the foreigner's authentication period, the foreigner's temporary account is determined to be valid, and if the authentication token is in the foreigner's wallet address or stored in the terminal device (100), the authentication token is determined to be valid. method.
  9. In paragraph 8, the step (S700) of proceeding with the domestic online payment of the foreigner is to proceed with the domestic online payment of the foreigner using the prepaid card, A step (S710A) in which the store payment system (500) transmits a payment request generated by a prepaid card payment of a foreigner having a prepaid card number linked to the first type temporary account of the above foreigner to a financial institution system; In order to obtain a first type temporary account of a foreigner linked to the above prepaid card number and a main account of the above server (300) connected to the above first type temporary account, the financial institution system transmits an authentication means request to the above server (300), which includes the prepaid card number included in the payment request (S730A); If, at the time of receiving the request for authentication means, the foreigner's first type temporary account is valid and the authentication token is valid, the server (300) transmits a payment approval request including the foreigner's first type temporary account to the financial institution system as a response to the request for authentication means (S750A); The above financial institution system, if the above foreigner's first type temporary account is a domestic account required as a means of identity verification to access domestic digital services under the Financial Real Name Act, performs the step (S770A) of transferring the payment amount in the payment request from the main account of the above server (300) to the payment registration account of the above store payment system (500); and The method includes the step (S790A) of sending a notification message indicating the completion of the transfer of the payment amount to the server (300) and the store payment system (500); The temporary account issued to the foreigner is any one of the temporary account candidates registered in advance on the server (300), and the previously registered temporary candidate account is an account pre-set for charging the issued prepaid card, and The financial institution system is characterized by determining that when it is confirmed that a foreigner's first type temporary account is a virtual account connected to the main account of the server (300), the financial institution system determines that the foreigner's first type temporary account is a valid means of identity verification for accessing domestic digital services under the Financial Real Name Act. method.
  10. In paragraph 8, the step (S700) of proceeding with the domestic online payment of the foreigner is to proceed with the domestic online payment of the foreigner through an account transfer method, A step (S710B) in which the foreigner's terminal device (100) transmits a payment request between the foreigner and the store to a financial institution system, indicating that the payment amount is directly transferred from the foreigner's first type temporary account to the payment registration account of the store payment system (500) - the payment request includes a token identifier pointing to the foreigner's first type temporary account and an authentication token; A step (S750B) of verifying whether the foreigner's Type 1 temporary account is valid and the authentication token is valid at that time based on the token identifier of the foreigner's authentication token in the above financial institution system; If the above financial institution system is a domestic account required as a means of identity verification to access domestic digital services under the Financial Real Name Act, the above financial institution system transfers the payment amount in the payment request from the main account of the above server (300) to the payment registration account of the above store payment system (500) (S770B); and The step (S790B) of sending a notification message indicating the completion of the transfer of the payment amount to the server (300) and the store payment system (500); The financial institution system is characterized by determining that when it is confirmed that a foreigner's first type temporary account is a virtual account connected to the main account of the server (300), the financial institution system determines that the foreigner's first type temporary account is a valid means of identity verification for accessing domestic digital services under the Financial Real Name Act. method.
  11. In paragraph 8, the step (S700) of proceeding with the domestic online payment of the foreigner is to proceed with the domestic online payment of the foreigner using a foreign credit card, The step of proceeding with domestic online payment by a foreigner using the above foreign credit card (S700D) comprises the step (S710D) in which the store payment system (500) transmits a payment request generated by the foreign credit card payment of a foreigner having a foreign credit card number linked to the foreigner's first type temporary account to the financial institution system; In order to obtain a first type temporary account of a foreigner linked to the above foreign credit card number and a main account of the above server (300) connected to the above first type temporary account, the financial institution system transmits an authentication means request to the above server (300), which includes the foreign credit card number included in the payment request (S730D); If, at the time of receiving the request for authentication means, the foreigner's first type temporary account is valid and the authentication token is valid, the server (300) transmits a payment approval request including the foreigner's first type temporary account to the financial institution system as a response to the request for authentication means (S750D); If the above financial institution system is a domestic account required as a means of identity verification to access domestic digital services under the Financial Real Name Act, the payment amount in the above payment request is transferred from the credit card account provided by the foreign financial institution system that supports the foreigner's foreign credit card to the payment registration account of the above store payment system (500) (S770D); and The method includes the step (S790D) of sending a notification message indicating the completion of the transfer of the payment amount to the server (300) and the store payment system (500); After the foreigner's user terminal 100 was issued an authentication token and a temporary account, the foreigner's foreign credit card was linked to the aforementioned foreigner's temporary account, and When the financial institution system confirms that the foreigner's first type temporary account is a virtual account connected to the main account of the server (300), the financial institution system determines that the foreigner's first type temporary account is a valid means of identity verification for accessing domestic digital services under the Financial Real Name Act. When the validity of the authentication token and authentication period is confirmed, a payment approval request including the acquired foreigner's first type temporary account is transmitted to the financial institution system, and the domestic financial institution system communicates with the foreign financial institution system that provides the foreign credit card to transfer the payment amount in the payment request to the payment registration account of the store payment system (500) through a transfer process based on the foreign credit card payment. method.
  12. A computer-readable recording medium having a program that enables the method of creating a temporary account for a foreigner to access a domestic digital service according to any one of claims 1 to 11.

Description

Method for making domestic online payments using a trusted foreigner's temporary account as a means of identity verification for accessing domestic digital services and a foreigner's temporary account-based payment system performing the same Embodiments of the present application relate to a method for conducting domestic online payments using a reliable temporary account of a foreigner as a means of identity authentication for accessing domestic digital services, and a payment system based on a temporary account of a foreigner that performs the same. In addition, it relates to a method for generating a reliable temporary account of a foreigner as a means of identity verification for accessing domestic digital services through a blockchain network, and a payment system based on the temporary account of a foreigner that performs this. According to data from the Korea Tourism Organization, the number of foreign visitors to South Korea exceeded 11 million in 2023, with over 1 million entering the country every month. This figure represents a recovery to 63% of pre-COVID levels, and it has been found that the country is rapidly recovering to previous levels even now (Yonhap News, "11 Million Foreign Tourists Visited Korea Last Year... Japan Recorded 2.32 Million," Jan. 30, 2024). The major countries of origin for foreign visitors to Korea are Japan (2.32 million), China (2.02 million), and the United States (1.09 million), followed by Taiwan, Vietnam, and Thailand. According to the Ministry of Justice's "Statistics on Entry and Exit and Foreign Residents," the total number of international students in 2022 is estimated to reach 200,000. To continuously attract foreign tourists, it is necessary to ensure that they have easy access to various domestic infrastructures. However, due to structural limitations, foreigners face significantly inferior infrastructure compared to domestic residents. In particular, the financial sector is facing even greater limitations due to issues such as personal authentication. Specifically, South Korea requires identity verification under the Act on Real Name Financial Transactions and Confidentiality (Financial Real Name Act) to experience domestic digital services, such as non-face-to-face online payments. Currently, domestic mobile phones or domestic bank accounts are used as means of identity verification in accordance with the Financial Real Name Act to access domestic digital services. To this end, users must submit their Resident Registration Number to telecommunication companies or banks to obtain a domestic mobile phone or bank account in advance before using domestic digital services. Since these foreigners generally do not have a Resident Registration Number, they cannot obtain domestic mobile phones or bank accounts. To obtain a domestic mobile phone or bank account, foreigners must obtain an Alien Registration Card (ARC). Once a foreigner obtains an ARC, they can use various domestic digital services. However, since the Alien Registration Card is issued to foreigners who intend to stay for more than 90 days, it is impossible for foreigners staying for less than 90 days to obtain one. Furthermore, there is the inconvenience of having to submit many documents, such as a passport, visa, proof of residence (accommodation contract), and health certificate, in order to obtain an Alien Registration Card. For foreigners who are not proficient in Korean, difficulties may be compounded by the Korean-centric information system, and they must wait approximately 4 to 5 weeks, or even up to 8 weeks, to apply for and receive the card. As such, foreigners face significant difficulties in verifying their identity to experience domestic digital services. Consequently, most visiting foreigners are unable to use online delivery services and experience the inconvenience of having to recharge their T-money with cash every time they take a taxi. In 2024, a service for issuing financial certificates at overseas diplomatic missions was launched for overseas nationals residing abroad who do not have domestic accounts, but foreigners who do not qualify as overseas nationals still face the limitation of inconvenience in identity verification under the Financial Real Name Act. Still, payment inconveniences for foreigners persist, causing various problems such as the deterioration of the tourism balance due to domestic consumption barriers, a decline in the rate of repeat visits by foreigners, difficulties in securing foreign payment data, and discrimination against domestic customers. FIG. 1 illustrates a network environment of a foreigner’s temporary account-based payment system according to one aspect of the present application. FIG. 2 is a diagram illustrating a blockchain network (1000) according to various embodiments of the present application. FIG. 3 is a block diagram of a foreigner's terminal device for a foreigner's temporary account-based payment system according to various embodiments o