KR101192522B1 - System for soft credit card, card cooperation and providing method thereof - Google Patents

System for soft credit card, card cooperation and providing method thereof Download PDF

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Publication number
KR101192522B1
KR101192522B1 KR20100081290A KR20100081290A KR101192522B1 KR 101192522 B1 KR101192522 B1 KR 101192522B1 KR 20100081290 A KR20100081290 A KR 20100081290A KR 20100081290 A KR20100081290 A KR 20100081290A KR 101192522 B1 KR101192522 B1 KR 101192522B1
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card
information
soft
user terminal
payment
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KR20100081290A
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Korean (ko)
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KR20120018461A (en
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장부중
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주식회사 이야미디어
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Priority to KR20100081290A priority Critical patent/KR101192522B1/en
Priority to PCT/KR2011/006216 priority patent/WO2012026737A2/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

A soft card system, a card company system, and a method of providing the same are disclosed. The method for providing a soft card system comprises the steps of: receiving a payment request by a soft card system installed in a user terminal, extracting card information from a pre-stored soft card in response to the received payment request; Connecting the system with a predetermined card company system, and transmitting a payment approval request including the card information extracted to the connected card company system.

Description

Soft card system, card company system and its providing method {System for soft credit card, card cooperation and providing method

The present invention relates to a soft card system, a card company system, and a method of providing the same, and more particularly, by providing a credit card in the form of software. The present invention relates to a system and a method for performing a payment.

With the development of modern society, various financial instruments have emerged. The most commonly used is credit card.

A payment method of a conventional credit card will be described with reference to FIG. 1.

1 is a view for explaining a conventional credit card payment method.

First, Figure 1a is a diagram illustrating a credit card payment method offline. A user requests a payment authorization by having a credit card recognized by a merchant system (eg, a payment terminal) in a contact or contactless manner. The payment approval request is transmitted to a card company (for example, card company 1, card company 2, and card company 3) that issued the credit card through a credit card VAN system, and the card company that received the payment approval request has a credit corresponding to the credit card ( After confirming the credit, it is decided whether to approve or not. If approved, the credit card company passes the approval information to the merchant system through the VAN system to complete the payment.

The online credit card payment method is shown in FIG. 1B. The user makes a payment at a predetermined web site through a terminal such as a computer. In order to perform a payment online, a user may manually input credit card information or select prestored credit card information using a user's terminal. To this end, a predetermined application distributed by a VAN operator (or payment gateway (PG) operator) is installed in the user terminal, or a predetermined UI for delivering the credit card information to the VAN system is provided on the web site. Then, the VAN system transfers the payment approval request from the card company that issued the credit card, and passes the approval information to the corresponding web site or the application.

As such, the conventional credit card payment method is slightly different from the payment method due to the offline and online payment, but in practice, the card recognition is made by contact or contactless, or the user enters their credit card information online. It's just the difference between card recognition. In addition, since the payment is necessarily made through the VAN operator, the payment fee that the user or merchant owner must provide to the card company due to the VAN operator's fee is inevitably increased.

In addition, in the conventional case, a separate payment system such as a payment terminal or a VAN application of a merchant is necessary to use a credit card.

In addition, in the conventional case, in order to purchase a product or service with a credit card, a user must visit a merchant or visit a web space provided by the merchant to check the product or service, and provide a payment terminal or online payment system installed in the merchant. Had to use.

Therefore, by providing a credit card implemented in software, users and card companies can directly go through a series of processes related to payment approval without the need for a service provider that provides a payment agent such as a VAN system. Accordingly, a card payment terminal is not provided separately. There is a need for a system that can efficiently perform credit card payments.

Therefore, the technical problem to be achieved by the present invention is to provide a system and method that can solve the problem that may be caused by the loss of credit card or handing over the card to the merchant owner by providing a software-based soft card. .

In addition, such a soft card is to provide a system and method by which the card company can be directly distributed to the user by the card company system and the soft card system installed in the user terminal to perform the payment through direct communication.

In addition, the present invention provides a system and method capable of providing a predetermined security protocol in order to prevent unauthorized copying due to the characteristics of a soft card.

In addition, even if the user does not necessarily visit the merchant or visit the web space provided by the merchant, the user can check the goods or services through the user terminal, and the system that allows the user to immediately pay using the confirmed goods or services and To provide a way.

In order to achieve the technical problem, the method for providing a soft card system includes: receiving a payment request by a soft card system installed in a user terminal, and extracting card information from a pre-stored soft card in response to the received payment request; And connecting the soft card system with a predetermined card company system, and transmitting a payment approval request including the card information extracted to the connected card company system.

The method for providing a soft card system may further include receiving, by the soft card system, authorization information from the card company system, and transmitting the received authorization information to a merchant system corresponding to the payment request.

The method of providing a soft card system further includes the step of receiving, by the soft card system, payment processing information from an affiliated store system corresponding to the payment request, wherein the payment processing information is in response to the transmitted payment approval request. In response to the approval information transmitted to the affiliated store system may be received from the affiliated store system.

The method for providing a soft card system may further include installing the soft card from the card company system and installing the soft card in the user terminal.

The soft card system may be generated by the card company system to correspond to a credit card issued to a user of the user terminal.

In the receiving of the payment request by the soft card system installed in the user terminal, when product information including affiliate store information is received from the external system to the user terminal, the soft terminal system is based on the received product information. It may include receiving the payment request from the.

The external system may include at least one of a point of sales (POS) system corresponding to the affiliated store information or a predetermined server connected to the POS system.

The product information may include at least one of empty seat information or orderable menu information generated based on POS information used in the POS system.

The user terminal may be a mobile terminal.

The method for providing a soft card system further includes the step of approving the payment approval request by the card company system. When the card company system approves the payment approval request, the soft card system is received from the soft card system or a predetermined external system. The identification information of the user terminal may be received, and the card information and the received identification information may correspond to information previously stored in the card company system.

The method of providing a card company system for solving the technical problem includes the steps of: transmitting, by a card company system, a soft card system to a user terminal, storing identification information of the user terminal corresponding to card information included in the soft card system; Receiving a payment approval request from a soft card system, identifying identification information of the user terminal and card information included in the payment approval request, and when the confirmed card information and identification information correspond to stored information, Approving the payment approval request.

Confirming the identification information of the user terminal and the card information included in the payment approval request, the card company system checks the identification information of the user terminal received from the soft card system, or the communication company system corresponding to the user terminal Checking the identification information of the user terminal received from the.

The identification information of the user terminal may include at least one of a terminal identification number of the user terminal, media access control (MAC) information, subscriber identity module (SIM) card information, or a mobile telephone number.

The card company system providing method may further include generating approval information and transmitting the generated approval information to the soft card system.

The payment approval request includes affiliated store information, and the card company system providing method may further include generating approval information and transmitting the generated approval information to the affiliated store system corresponding to the affiliated store information.

The soft card system providing method and the card company system providing method may be stored in a computer readable recording medium recording a program.

In the soft card system installed in the user terminal for solving the technical problem, which can perform a credit payment, the soft card system is a soft card in which the card information is stored, in response to the payment request received from the outside to the soft card And a control module for extracting the stored card information and transmitting a payment approval request including the card information extracted to a card company system providing the soft card system.

The control module may further transmit identification information of the user terminal to the card company system, and if the transmitted identification information and the card information correspond to information previously stored in the card company system, the control module may receive authorization information from the card company system. Can be.

The card company system for solving the technical problem is a soft card generation module for generating a soft card, a transmission module for transmitting the generated soft card to a user terminal, and payment received from a soft card system including the soft card. A control module for receiving an approval request and determining whether to approve the received payment approval request, wherein the control module stores the card information corresponding to the identification information of the user terminal and approves payment from the soft card system. When the request is received, the identification information of the user terminal and the card information included in the payment approval request are checked to approve the payment approval request if it corresponds to the stored information.

The control module may check identification information of the user terminal received from the soft card system, or identify identification information of the user terminal received from a communication company system corresponding to the user terminal.

According to a soft card system, a card company system, and a method for providing the same according to the technical spirit of the present invention, by providing a software-based soft card, the loss of a credit card or an accident that may occur by handing a card to a merchant owner for payment of a card There is an effect that can be solved.

In addition, since the card company system and the soft card system installed in the user terminal can perform payment through direct communication, there is no need for an agent such as a VAN operator, thereby reducing the payment fee that the merchant or user must provide.

Due to the characteristics of the soft card, unauthorized copying is easy, but according to the present invention, the unauthorized use of the credit card can be prevented even if the unauthorized copying is performed.

Also, even if the user does not visit the merchant or the web space provided by the merchant, the product information including the merchant information is pushed to the user terminal, and the product is confirmed after the user confirms the product or service through the user terminal. Alternatively, since a service can be directly paid using the user terminal, the affiliated store owner does not necessarily need to establish a virtual store on a web site or an open market.

BRIEF DESCRIPTION OF THE DRAWINGS In order to better understand the drawings cited in the detailed description of the invention, a brief description of each drawing is provided.
1 is a view for explaining a conventional credit card payment method.
2 is a view for explaining the concept of a soft card system providing method according to an embodiment of the present invention.
3 is a view showing a schematic configuration of a soft card system according to an embodiment of the present invention.
4 is a diagram illustrating a case in which product information including affiliate store information is transmitted to a user terminal according to an exemplary embodiment of the present invention.
5 is a view showing a schematic configuration of a card company system according to an embodiment of the present invention.
6 is a view for explaining a security protocol according to an embodiment of the present invention.
7 is a diagram illustrating a method of performing a security protocol according to an embodiment of the present invention.

In order to fully understand the present invention, operational advantages of the present invention, and objects achieved by the practice of the present invention, reference should be made to the accompanying drawings and the accompanying drawings which illustrate preferred embodiments of the present invention.

Also, in this specification, when any one element 'transmits' data to another element, the element may transmit the data directly to the other element, or may be transmitted through at least one other element And may transmit the data to the other component.

Conversely, when one element 'directly transmits' data to another element, it means that the data is transmitted to the other element without passing through another element in the element.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the preferred embodiments of the present invention with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

2 is a view for explaining the concept of a soft card system providing method according to an embodiment of the present invention. In addition, Figure 3 shows a schematic configuration of a soft card system according to an embodiment of the present invention.

2 and 3, a method for providing a soft card system according to an embodiment of the present invention may be implemented by a soft card system 100 installed in a predetermined user terminal 200. The soft card system 100 may include a control module 110 and a soft card 120.

The control module 110 may extract information required by the soft card 120 to implement the soft card system providing method according to an embodiment of the present invention. In addition, the control module 110 may transmit and receive predetermined information with the card company system 400 or the merchant system 300.

Herein, a module may mean a functional and structural combination of hardware for carrying out the technical idea of the present invention and software for driving the hardware. For example, the module may refer to a logical unit of a predetermined code and a hardware resource for executing the predetermined code, and does not necessarily mean a physically connected code or a kind of hardware. Can be easily deduced to the average expert in the field of the present invention.

Unlike the conventional physical credit card, the soft card 120 may refer to a credit card implemented with electronic information according to the technical idea of the present invention. The soft card 120 may be implemented in the form of at least one file, and may include at least card information. The card information may be defined to include all types of information that may be stored in the soft card 120 to implement the technical idea of the present invention. For example, the card information may include at least one of card identification information, user information, expiration period, limit amount, or benefit information. In addition, all information (eg, CVC code, etc.) assigned to a conventional credit card may be included in the card information. The card identification information may be information corresponding to a card number of a conventional credit card. The card identification number may be unique information for each soft card 120. The user information may be information about a user defined to use the soft card 120. The expiration period, limit amount, or benefit information (eg, event information for each merchant) may be information corresponding to an expiration period, limit amount, use amount, or benefit information assigned to a conventional credit card. In addition, a predetermined user password is stored in the soft card 120, and a user may input the user password when the user wants to use the soft card system 100. As described above, the soft card system 100 according to the exemplary embodiment of the present invention stores a limit amount, an amount of use, benefit information, and the like, so as to check the limit amount, amount of use, benefit information, etc. of a conventional credit card using a credit card company. Unlike having to obtain the corresponding information from the system or inquire to the card company system, the user can easily check at any time through the user terminal 200 if desired.

In addition, the soft card 120 is transmitted to the user terminal 200 by the card company system 400 may be installed in the user terminal 200 (S1). When the card company system 400 issues a credit card to a user, the soft card 120 according to the embodiment of the present invention may be installed as a corresponding user terminal 200 together with a plastic card as in the related art. Of course, at this time, the soft card 120 may be installed only in the user terminal 200 registered by the user in advance. In this case, the plastic card and the soft card 120 may correspond to each other. That is, a credit card having the same function and benefit may be simultaneously issued to a physical plastic card and a software soft card 120. Alternatively, the card company system 400 may generate the soft card 120 and install it as the user terminal 200 only when there is a issued plastic card. When the plastic credit card and the soft card 120 are issued together or sequentially, the soft card 120 may be generated by the card company system 400 to correspond to the plastic credit card. That is, a credit card having the same function and benefit may be issued in the form of electronic information, which is a physically different form, and installed in the user terminal 200. According to an embodiment, the soft card 120 may be issued independently of the plastic card and installed in the user terminal 200.

In order for the soft card 120 to be installed, the entire soft card system 100 may be installed by the card company system 400. If the soft card system 100 installed in the specific card company system 400 already exists in the user terminal 200 and a new soft card 120 is to be installed from the card company system 400, the soft card. Only 120 may be newly installed and the control module 110 may not be newly installed. Alternatively, the soft card system 100 may be installed in the user terminal 200 for each soft card 120.

The control module 110 may control the soft card 120 to allow the soft card 120 to perform a function of a credit card. In addition, in order to implement the technical idea of the present invention, predetermined information may be transmitted and received with at least one of the card company system 400 or the affiliated store system 300. In addition, according to an embodiment of the present invention, the information stored in the soft card 120 may be accessed and read only by the control module 110. To this end, the soft card 120 may be encrypted by a predetermined encrypt algorithm, and the control module 110 may decrypt the information encrypted by the encrypt algorithm. And / or include a decrypt key.

In addition, the control module 110 may transmit identification information of the user terminal 200 in which the soft card system 100 is installed to the card company system 400 as described below. To this end, the control module 110 may receive identification information from an operating system (OS) installed in the user terminal 200. The identification information may include, for example, a terminal serial number of the user terminal 200, media access control (MAC) information, and subscriber identity module (SIM) card information when the user terminal 200 includes a network interface. , And / or the user terminal 200 may include unique information for each user terminal 200 such as a mobile phone number when the user terminal 200 functions as a mobile phone. The identification information of the user terminal 200 may be used to provide a security protocol of the soft card system 100 as described below.

In order to implement the soft card system providing method according to an embodiment of the present invention, the soft card system 100 installed in the user terminal 200 may receive a payment request from the user terminal 200. The payment request includes predetermined affiliate store information when the user terminal 200 selects a payment UI provided by a site or other virtual space in which the user terminal 200 accesses a predetermined network. Product information may be transmitted to the user terminal 200, and may be transmitted to the soft card system 100 when a user wants to proceed with the payment of the product information using the user terminal 200. The payment request may be received from the OS of the user terminal 200.

Then, the control module 110 included in the soft card system 100 may extract predetermined card information from the soft card 120 in response to the received payment request. The card information extracted by the control module 110 may vary depending on implementation, but may include card identification information for identifying the soft card 120. Of course, it may further include information about the expiration period or the limit amount.

Then, the soft card system 100 may be connected to a predetermined card company system 400. That is, the soft card system 100 may be directly connected to the card company system 400 that issued the soft card system 100. Then, the soft card system 100 may transmit a payment approval request including the card information extracted to the connected card company system 400 (S100). As described above, according to the method for providing a soft card system according to an exemplary embodiment of the present invention, since the soft card system 100 is installed by a specific card company system 400, the user terminal 200 is a card company system 400 without going through the VAN system. ) And the payment process is effective. In the present specification, the card company system 400 is at least one connected to a system operated by the card company to perform payment, such as a system operated by the card company or a system in which the card company entrusts the operation to implement the technical idea of the present invention. It can be defined to include a system of. Accordingly, the card company system 400 may not mean only one physical device but may mean a combination of software and / or hardware for performing the functions defined herein.

When the soft card system 100 transmits the payment approval request to the card company system 400 (S100), the card company system 400 may determine whether to approve through a predetermined process (S120). If the determination result is approved, the card company system 400 may generate predetermined approval information and then transmit the predetermined approval information to the soft card system 100 (S130). The approval information may be an approval number previously transmitted by the card company, or may be predetermined information indicating that the approval is approved. Then, the soft card system 100 may transmit the authorization information to the affiliated store system 300 to perform the payment (S140). Then, the affiliated store system 300 may transmit predetermined payment processing information S150 indicating that the payment has been processed to the user terminal 200 in which the soft card system 100 is installed (S150), and the user processes the payment. By confirming the information, you can confirm that the payment has been processed. The payment processing information may be information corresponding to an existing card slip or receipt, but is not limited thereto.

On the other hand, according to another embodiment of the present invention, the card company system 400 receiving the payment approval request may generate the approval information (S120), and may transmit the generated approval information to the merchant system 300 ( S120-1). To this end, the payment approval request may include merchant information to perform payment. The merchant information is settled to the soft card system 100 when a payment request is received from the user terminal 200 at a predetermined web site or a merchant terminal in order to provide a soft card system providing method according to an embodiment of the present invention. It may be transmitted to the soft card system 100 together with the amount and product information. Alternatively, even when the user terminal 200 does not access a specific web site or a virtual space, the affiliated store information may be included in product information received from a predetermined external system 500 (S10). Therefore, the card company system 400 may check the affiliated store information included in the payment approval request and transmit the approval information to the affiliated store system 300 corresponding to the confirmed affiliated store information (S120-1). Then, the affiliated store system 300 may transmit payment processing information to the soft card system 100 (S150).

On the other hand, the user terminal 200 may receive predetermined product information from the external system 500 (S10). The product information may include affiliate store information. For example, the external system 500 pushes promotional information for promoting or selling a specific product or service to the user terminal 200 or in response to a request of the user terminal 200. Web site, open marketplace, or other commercial system. Conventionally, such product information has been sometimes transmitted to the user terminal 200. However, in this case, only the product information is included. Therefore, in order to proceed with the purchase and / or payment, the product information must be moved to a site corresponding to the product information. did. However, according to the method for providing a soft card system according to an exemplary embodiment of the present invention, by including the merchant information to be used for payment in the product information, the merchant must promote a product without building a sales site or entering an open market. And / or sellable. 4 is a diagram illustrating a case where product information including affiliate store information is transmitted to a user terminal according to an embodiment of the present invention. As shown in FIG. May be included. In addition, the affiliated store information may be included in the meta information of the product information or displayed so that the user can be confirmed. The user may proceed with payment by selecting the product information through the user terminal 200, and then the user terminal 200 may transmit a payment request to the soft card system 100.

As such, the user terminal 200 is able to perform payment by receiving only product information without accessing a virtual space built on a specific web site or a network. The user terminal 200 is a VAN installed on a payment terminal or a web site. This is because payment can be made directly with the corresponding card company system 400 even without an application.

Meanwhile, the external system 500 may be a predetermined point of sales (POS) system or a predetermined server connected to the POS system. The POS system may be a system installed for each affiliate store and used for store management. Therefore, the product information may be seat information, order information, etc. provided by the POS system or a server connected thereto. Hereinafter, a case where the external system 500 is implemented as a POS system or a server connected thereto will be described as an example.

The POS system mainly manages order information and price information for each seat within a particular place of business, helping a lot in automation within the place of business. However, such a POS system is mainly used only for automation in a business place. Therefore, if it is possible to generate useful information using the POS information and provide it to users who need it in real time, it may be useful for many users. As such, the POS system may directly transmit predetermined product information to the user terminal 200. Alternatively, the POS system may transmit the product information to the user terminal 200 through a predetermined server. For example, the server may receive POS information from a POS system installed in each of a plurality of business establishments (eg, restaurants, coffee shops, cartoon rooms, PC rooms, etc.).

The POS information may vary according to the characteristics of a business place in which each of the POS systems is installed. For example, when the business place is a restaurant, POS information may vary from seat information, seat order information, payment amount information, menu information, and the like. When the place of business is a cartoon room, a PC room, etc., there may be various information such as seat information, entrance time information, exit time information, beverage order information, and the like. Preferably, the POS information includes at least total seat information and / or information on occupied seats. The information on the occupied seat may be, for example, seat information in which order information exists in a restaurant. Therefore, the information about the occupied seat may mean predetermined information or a combination of a plurality of information which can know whether a specific seat is occupied.

In general, the POS information may include the total seat information and occupied seat information of the place of business, and the information about the empty seat may not be maintained separately. However, the information required by the users may be information about empty seats rather than information about seats currently occupied. Thus, the server may generate information on at least the empty seats based on the POS information. In general, the POS information may include information about the entire seat (table), identification information for each seat (table), and order information for each seat (table). According to an embodiment, when order information for each seat exists, the server may determine that the seat is an occupied seat. According to an embodiment, there may be a case in which the seat is occupied but the order information for each seat does not exist. In this case, the POS information may include predetermined information that can express that the seat is occupied separately. . Then, the server may generate information on the empty seat based on the information on the seat and the occupied seat.

Information about the empty seat may be generated by the server. To this end, the POS system may transmit information necessary for generating information on the empty seats to the server. Even if the POS system does not include the information about the empty seats, the server may generate the information about the empty seats based on the POS information as described above, so that a separate business place may be obtained to obtain the information about the empty seats. There is no need to install a new POS system. On the other hand, the server may install a predetermined code and / or application in order to obtain the predetermined information required for the POS system.

On the other hand, the POS system when the POS information (for example, information about occupied seats, information about non-orderable menu) that can be changed product information such as information about the empty seat and / or orderable information is changed The POS information may be transmitted to the server every time. Therefore, the user terminal 200 may receive the product information in real time. According to an embodiment, the POS system may transmit POS information to the server every predetermined period (for example, every minute, 5 minutes, etc.), in which case the product information may also be updated every predetermined period. .

Meanwhile, the product information transmitted to the user terminal 200 may include information on an orderable menu as well as information on the empty seat as described above. For example, the POS information may include information on all menus that can be ordered at a corresponding place of business, and it may be desirable to include information on prices for each menu. However, if a particular menu is sold out or a particular ingredient is exhausted, the manager of the establishment may use the POS system to enter that a particular menu is not available for ordering. Information about such an orderable menu may also be useful information for a customer looking for a corresponding business place, and thus may be included in product information according to an embodiment of the present invention. Various other information may be included in the product information. Of course, at this time, the affiliated store information may be included.

Therefore, when the external system 500 is implemented from a specific POS system or server and transmits product information to the user terminal 200, the latest information of the place of business and an order, reservation, or payment can be easily performed in real time. It has an effect. On the other hand, when the user terminal 200 is installed as a mobile terminal, the server determines the location of the user terminal 200, and only the product information corresponding to the business place of the area where the user terminal 200 is located or nearby It may be transmitted to the user terminal 200. For example, the external system 500 can push the empty seat information, orderable information, and the like for the restaurant in a nearby area to the user terminal 200 to the product information, and the user simply selects the product information. You can make a reservation and make a payment for this place.

5 is a view showing a schematic configuration of a card company system according to an embodiment of the present invention.

Referring to FIG. 5, the card company system 400 according to an exemplary embodiment of the present invention includes a control module 410, a soft card generating module 420, and a transmission module 430. The card company system 400 may further include a DB 440.

The soft card generating module 420 may generate a soft card 120 to be installed in the user terminal 200. The transmission module 430 may transmit the soft card 120 generated by the soft card generation module 420 to the user terminal 200. Of course, according to the embodiment, the soft card generating module 420 includes the soft card 120 including the soft card 120 and the control module 110 to be installed in the user terminal 200. For each generation, the transmission module 430 may transmit the generated soft card system 100 to the user terminal 200.

The transmission module 430 may transmit the soft card 120 to a user terminal 200 of a user who is allowed to use the soft card 120. Information (eg, mobile phone number) of the user terminal 200 of the corresponding user may be stored in the DB 440 in advance.

The control module 410 may receive a payment approval request transmitted from the soft card system 100 and determine whether to approve it. In addition, as a result of the determination, the approval information may be generated, and the generated approval information may be transmitted to at least one of the soft card system 100 or the affiliated store system 300.

In addition, the soft card system 100 according to an embodiment of the present invention can be easily copied to the data processing device of another person other than the allowed user due to its characteristics. Can provide any security protocol. In order to apply the security protocol, the control module 410 may use the card information received from the soft card system 100 and the identification information of the user terminal 200 allowed to install the card information.

For example, the soft card generating module 420 may generate the soft card 120 in response to a request for issuing the soft card 120 from the user. Then, the card company system 400 may store information on the user terminal 200 on which the generated soft card 120 is to be installed in the DB 440. This example is shown in FIG. 6. 6 is a view for explaining a security protocol according to an embodiment of the present invention, the control module 410 included in the card company system 400, the soft card 120 is generated by the soft card generation module 420 Card information (eg, card identification information "1234-5678-9012-3456") for identifying the generated soft card 120 and identification information (eg, mobile phone number) of the user terminal 200 corresponding thereto. "010-1234-5678", etc.) may be stored in the DB 440.

Then, when a payment approval request is received by the soft card system 100, the control module 410 may include card information (eg, card identification information "1234-5678-9012-3456") included in the payment approval request. You can check. In addition, the identification information (eg, mobile phone number "010-1234-5678", etc.) of the user terminal 200 which has transmitted the payment approval request may be checked. FIG. 7 illustrates a method in which the control module 410 may check the identification information of the user terminal 200 (eg, the mobile telephone number "010-1234-5678", etc.).

7 is a diagram illustrating a method of performing a security protocol according to an embodiment of the present invention.

Referring to FIG. 7, the soft card system 100 may transmit a payment approval request to the card company system 400 (S100). In this case, the payment approval request may include card information and identification information of the user terminal 200. To this end, the control module 110 included in the soft card system 100 checks the identification information of the user terminal 200, and includes the identified identification information of the user terminal 200 in the payment approval request. The card company system 400 may perform a function of transmitting.

Then, the card company system 400 checks the card information included in the payment approval request received from the soft card system 100 and the identification information of the user terminal 200, and the confirmed information is stored in the DB 440. It may be determined whether it corresponds to previously stored information (eg, information as shown in FIG. 6) (S120). As a result of the determination, when the card information received from the soft card system 100 and the identification information of the user terminal 200 correspond to the information stored in the DB 440, the payment approval request may be approved. The case where the card information received from the soft card system 100 and the identification information of the user terminal 200 correspond to the information stored in the DB 440 is the information stored in the DB 440 and the received card. It may mean that the information and / or identification information of the user terminal 200 are not identical but have the same identity. For example, the user's social security number may be stored as the card information in the DB 440, and the SIM card information of the user terminal 200 may be stored as the identification information of the user terminal 200. The card information included in the payment approval request may be card identification information and the user terminal 200 identification information may be a mobile phone number of the user terminal 200. Then, the control module 410 checks whether the social security number and the card identification information are allocated to the same user, determines whether the SIM card information corresponds to the mobile telephone number, and all the same user and the same user. In the case of information identifying the terminal 200, the control module 410 may approve the payment approval request.

On the other hand, according to another embodiment of the present invention, the soft card system 100 may include only the card information in the payment approval request and transmit it to the card company system 400 (S100-1). Then, in order to determine whether the card company system 400 is authorized (S120), the user terminal from the communication company system 600 that provides a communication network for the soft card system 100 is connected to the card company system 400 Identification information of the 200 can be confirmed. To this end, the card company system 400 may request identification information of the user terminal 200 from the communication company system 600 (S100-2). For example, when the soft card system 100 and the card company system 400 are connected by a predetermined IP session, the card company system 400 transmits the IP address of the user terminal 200 to the communication company system 600. By transmitting the identification information of the user terminal 200 can be requested (S100-2). In any way, the card company system 400 may request identification information of the user terminal 200 connected to the session from the communication company system 600 using the information of the communication session connected with the soft card system 100. Then, the card company system 400 may receive the identification information of the user terminal 200 from the communication company system 600 (S100-3), it may determine whether the approval using the received information. That is, it is determined whether the information stored in the DB 440 and the card information received from the soft card system 100 and the identification information of the user terminal 200 received from the communication company system 600 correspond to each other. It can be determined.

As described above, in the method for providing a soft card system according to an embodiment of the present invention, a soft credit card is installed and used in a user terminal, and at the same time, a soft credit card is illegally copied to another terminal to prevent unauthorized use by others. If you want to have an effect that can be prevented.

The method of providing a soft card system and the method of providing a card company system according to an exemplary embodiment of the present invention may be embodied as computer readable codes on a computer readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, hard disk, floppy disk, optical data storage, and the like, and also in the form of carrier waves (e.g., transmission over the Internet). It also includes implementations. In addition, the computer-readable recording medium may be distributed over network-connected computer systems so that computer readable codes can be stored and executed in a distributed manner. And functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers skilled in the art to which the present invention pertains.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

Claims (20)

Receiving, by the soft card system installed in the user terminal, a payment request;
Extracting card information from a soft card previously stored in the soft card system in response to the received payment request;
Connecting the soft card system to a predetermined card company system; And
And transmitting a payment approval request including the card information extracted to a connected card company system.
Receiving a payment request by the soft card system installed in the user terminal,
When product information including affiliate store information to be used for payment is received from an external system and the product information received by the user terminal is selected, the soft card system is further configured based on the selected product information. Soft card system providing method comprising the step of receiving a payment request corresponding to the product information without moving to the site.
According to claim 1, The soft card system providing method,
Receiving, by the soft card system, authorization information from the card company system; And
And transmitting the received approval information to the affiliated store system corresponding to the payment request.
According to claim 1, The soft card system providing method,
The soft card system further comprises the step of receiving payment processing information from the merchant system corresponding to the payment request,
The payment processing information,
Soft card system providing method characterized in that it is received from the merchant system in response to the approval information transmitted by the card company system to the merchant system in response to the payment approval request sent.
According to claim 1, The soft card system providing method,
And the soft card is transmitted from the card company system and installed in the user terminal.
The method of claim 1, wherein the soft card system,
Soft card system providing method, characterized in that generated by the card company system to correspond to the credit card issued to the user of the user terminal.
delete The method of claim 1, wherein the external system,
And at least one of a Point of Sales (POS) system corresponding to the affiliated store information or a predetermined server connected to the POS system.
The method of claim 7, wherein the product information,
A soft card system providing method comprising at least one of empty seat information or orderable menu information generated based on POS information used in the POS system.
The method of claim 1, wherein the user terminal,
Method for providing a soft card system, characterized in that the mobile terminal.
According to claim 1, The soft card system providing method,
Further comprising the step of approving the payment approval request by the card company system,
If the card company system approves the payment approval request,
And receiving identification information of the user terminal received from the soft card system or a predetermined external system, wherein the card information and the received identification information correspond to information previously stored in the card company system.
delete delete delete delete delete A computer-readable recording medium having recorded thereon a program for carrying out the method of any one of claims 1 to 5 and 7 to 10.
In the soft card system that can be installed in the user terminal to perform credit payment,
The soft card system,
A soft card storing card information;
And a control module for extracting the card information stored in the soft card in response to a payment request received from the outside, and transmitting a payment approval request including the card information extracted to a card company system providing the soft card system. ,
Payment request received from the outside,
When the product information including the merchant information to be used for payment is received from the external system and the product information received by the user terminal is selected, based on the selected product information without moving to a separate web site And a payment request corresponding to the product information received from the user terminal.
The method of claim 17, wherein the control module,
Further transmitting the identification information of the user terminal to the card company system,
And if the identification information and the card information transmitted correspond to information previously stored in the card company system, receiving the authorization information from the card company system.
delete delete
KR20100081290A 2010-08-23 2010-08-23 System for soft credit card, card cooperation and providing method thereof KR101192522B1 (en)

Priority Applications (2)

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KR20100081290A KR101192522B1 (en) 2010-08-23 2010-08-23 System for soft credit card, card cooperation and providing method thereof
PCT/KR2011/006216 WO2012026737A2 (en) 2010-08-23 2011-08-23 Soft card system, card company system and method for providing same

Applications Claiming Priority (1)

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KR20040052133A (en) * 2002-12-13 2004-06-19 (주)모멘트그룹 System and Method for Providing Payment on Credit Card Using Mobile Terminal
KR20100024030A (en) * 2008-08-25 2010-03-05 이만인 Apparatus for improving certification means and method for controlling the same
KR20100069226A (en) * 2008-12-16 2010-06-24 주식회사 엘지텔레콤 System and method for providing chip based card service
US9842356B2 (en) * 2008-12-17 2017-12-12 Iii Holdings 1, Llc System, method, apparatus and computer program product for interfacing a multi-card radio frequency (RF) device with a mobile communications device

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