KR101771575B1 - METHOD and APPARATUS FOR MANAGING MEANS OF PAYMENT - Google Patents

Abstract

The present invention relates to a technique for providing a payment service, for example, a management service for a mobile card. Conventionally, when a mobile communication terminal is lost and a mobile card inserted in the mobile communication terminal is lost together, a problem that immediate countermeasure is difficult may arise. Accordingly, in the embodiment of the present invention, when a user pauses (or reuses) the use of a payment means, for example, a mobile card, a smart card, etc., Function, it is possible to instantly cope with a request for suspension of use due to loss of a mobile communication terminal equipped with a mobile card or the like and to easily select a user from the viewpoint of the user to stop using (or approve use of) We propose a means management technique.

Description

METHOD AND APPARATUS FOR MANAGING MEANS OF PAYMENT [0002]

The present invention relates to a payment means management service, and more particularly, to a payment means management service, in particular, when a user wishes to suspend (or reuse) the use of a payment means such as a mobile card, (Or release) function, it is possible to instantly cope with the use suspension request due to the loss of the mobile communication terminal equipped with the mobile card or the like, and to appropriately select the application for suspending A device management system and method, an apparatus and a terminal for managing a payment means.

2. Description of the Related Art In recent years, mobile communication terminals such as mobile phones and smart phones have become commonplace, and technology for enabling mobile payment services to be used by using mobile communication terminals has become an issue.

For example, there is a method of using a Subscriber Identity Module (hereinafter referred to as SIM). A SIM card storing credit card information, financial information, etc. is inserted into a mobile phone or a smart phone, Can be provided.

However, such a mobile payment service using a SIM card may cause a security vulnerability. For example, when a SIM card or a mobile terminal equipped with a SIM card is lost, payment by a third party is easy.

In order to solve such a security problem, although a method of inputting a password on a mobile communication terminal every time of payment is applied, there are inconveniences caused by input each time, and there is a risk of exposure due to inputting a password in a public place do.

In addition, if the general card is lost, the card company may reject the approval. However, if the mobile communication terminal is lost and the mobile card inserted in the mobile communication terminal is lost together, it is difficult to take immediate action.

Korean Registered Patent No. 10-0423403, 2004.03.05 Registered (name: system for locking and unlocking banking function of mobile communication terminal and method thereof)

Accordingly, in the embodiment of the present invention, when a user pauses (or reuses) the use of a payment means, for example, a mobile card, a smart card, etc., Function, it is possible to instantly cope with a request for suspension of use due to loss of a mobile communication terminal equipped with a mobile card or the like and to easily select a user from the viewpoint of the user to stop using (or approve use of) We propose a means management technique.

The payment means management system according to an embodiment of the present invention includes a client terminal capable of locking or unplugging an applet of a mobile card, and a controller for, when a lock or release of an applet of the mobile card to the client terminal is requested via the network, And a payment means management device for generating a lock or unlock command for the applet of the mobile card and transmitting the lock / unlock command to the client terminal via the network.

Here, the applet may include a main card applet of the mobile card or an activated card applet.

In addition, the payment means management device may request the card company server to suspend or use the mobile card through the network.

A payment means management apparatus according to an embodiment of the present invention generates a lock or unlock command of an applet of the mobile card when a lock or an unlock of an applet of the mobile card is requested to the client terminal through a network, And a Universal Subscriber Identity Module (USIM) card management unit for inquiring information about the mobile card and providing an information inquiry result about the mobile card to the applet management unit.

Here, the applet management unit may generate a lock or unlock command for the main card applet of the mobile card or the activated card applet.

The applet management unit may manage result information corresponding to the applet locking or unlocking operation of the client terminal.

The applet management unit may request the card company server to suspend or use the mobile card through the network.

The payment means management terminal according to the embodiment of the present invention includes means for receiving an applet lock or release command via a network and means for performing an applet lock or release operation for a plurality of mobile cards in accordance with the applet lock / . ≪ / RTI >

Here, the means for executing may first lock or deactivate the main card applet or the activated card applet of the mobile card.

A payment method management method according to an exemplary embodiment of the present invention includes the steps of inquiring mobile card information of a client terminal when there is an applet lock or release request of the client terminal through a network, Generating an applet lock command or a cancel command corresponding to the inquiry result of the applet information and transmitting the generated applet lock command or the cancel command to the client terminal through the network; .

Here, the generating process may include generating a lock command or a cancel command for the main card applet or the activated card applet of the mobile card.

Further, the applet lock / unlock request can be performed by the remote control service.

The payment means management method according to an embodiment of the present invention is a payment method management method in which when a request for stopping or using a mobile terminal of a client terminal is requested according to a customer information management service, And transmitting a result message to the client terminal included in the customer information management service if the result of the suspension or use approval of the mobile card is notified from the card issuer server.

Here, the method of managing payment means may include a step of preferentially processing a lock or unlock operation for an activated mobile card or a main mobile card when locking or unlocking of at least two mobile cards of the client terminal is requested have.

According to the embodiment of the present invention, when it is desired to temporarily suspend (or reuse) the use of a payment means, for example, a mobile card or a smart card mounted in the mobile communication terminal, By providing a lock (or release) function, it is possible to promptly cope with a request to suspend the use of the mobile communication terminal equipped with the mobile card due to the loss of the mobile communication terminal. In addition, according to the embodiment of the present invention, an application for suspension (or approval of use) of a specific mobile card included in a mobile communication terminal or a USIM card is transmitted to a customer information management center, for example, through a call center It is possible to increase the management convenience for a plurality of mobile cards managed in the mobile communication terminal. Further, according to the embodiment of the present invention, when locking or unlocking of the entire applet of the mobile card is requested, the main card or the currently activated card can be firstly locked or unlocked to improve usability and reliability.

1 is a schematic block diagram of a payment means management system according to an embodiment of the present invention;
FIG. 2 is a block diagram illustrating a detailed configuration of the payment means management apparatus of FIG. 1;
3 is a flowchart illustrating a method of managing a payment means according to an exemplary embodiment of the present invention, for example, a process of managing a payment means through a remote control service unit.
4 is a flowchart illustrating a payment method management method according to an exemplary embodiment of the present invention, for example, a payment method management process through a customer information management unit.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention and the manner of achieving them will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like numbers refer to like elements throughout.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The following terms are defined in consideration of the functions in the embodiments of the present invention, which may vary depending on the intention of the user, the intention or the custom of the operator. Therefore, the definition should be based on the contents throughout this specification.

Each block of the accompanying block diagrams and combinations of steps of the flowchart may be performed by computer program instructions. These computer program instructions may be loaded into a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus so that the instructions, which may be executed by a processor of a computer or other programmable data processing apparatus, And means for performing the functions described in each step are created. These computer program instructions may also be stored in a computer usable or computer readable memory capable of directing a computer or other programmable data processing apparatus to implement the functionality in a particular manner so that the computer usable or computer readable memory It is also possible for the instructions stored in the block diagram to produce a manufacturing item containing instruction means for performing the functions described in each block or flowchart of the block diagram. Computer program instructions may also be stored on a computer or other programmable data processing equipment so that a series of operating steps may be performed on a computer or other programmable data processing equipment to create a computer- It is also possible that the instructions that perform the processing equipment provide the steps for executing the functions described in each block of the block diagram and at each step of the flowchart.

Also, each block or each step may represent a module, segment, or portion of code that includes one or more executable instructions for executing the specified logical function (s). It should also be noted that in some alternative embodiments, the functions mentioned in the blocks or steps may occur out of order. For example, two blocks or steps shown in succession may in fact be performed substantially concurrently, or the blocks or steps may sometimes be performed in reverse order according to the corresponding function.

In the embodiment of the present invention, in the case of suspending (or reusing) the use of a payment means, for example, a mobile card, a smart card, or the like mounted in the mobile communication terminal, (Or releasing) function of the mobile communication terminal or a specific mobile card included in the USIM card and transmits the request to the customer information management center, for example, a call center, It is possible to easily apply the object of the present invention from this technical idea.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a schematic block diagram of a payment means management system according to an embodiment of the present invention. The client terminal group 100, the network 200, the payment means management device 300, the card issuer server 400, .

The client terminal group 100 is a group of devices for providing a payment means management service to a user in accordance with an embodiment of the present invention and includes, for example, a video phone, a smart phone, a laptop, a tablet PC, Pads, and the like.

The client terminal group 100 can provide a wireless communication service to a subscriber by interfacing with a wireless connection with a network 200 to be described later. In addition to the second generation that supports a CDMA (Code Division Multiple Access) (Wideband Code Division Multiple Access) method, or a wireless environment supporting a wireless communication technology of the third generation or higher. The client terminal group that can be connected to the network 200 is composed of client terminal groups including a plurality of client terminals or a plurality of client terminals. It will be readily apparent to those skilled in the art that the present invention can be carried out without departing from the spirit and scope of the invention.

In addition, the client terminal group 100 may provide a wired communication service to a subscriber by interfacing with the network 200 through a wired connection. At this time, the client terminal group 100 may include various types of wired client terminals such as a desktop, a laptop, and the like.

In addition, the client terminal group 100 is not limited to the terminal group providing the wireless communication service, but may further include a separate payment system, for example, a POS system. POS system, the client terminal group 100 is not directly connected to the network 200 and is connected to the payment method management device 300 or the card issuer server 400, but a method in which the client visits the merchant shop, (Or a POS system that can be directly connected to the client terminal without an affiliate shop).

In response to a lock or release request for a specific applet of the mobile card according to the present embodiment, the arbitrary client terminal of the client terminal group 100, for example, the client terminal 100/1, When a lock or unlock command for a specific applet is transmitted from the server 300, a specific applet can be locked or unlocked. At this time, the lock or release request for the specific applet of the mobile card can be performed through a remote control service or a customer information management (call center) service, which will be described in more detail in the flowcharts of FIGS. 3 and 4 do.

In addition, the client terminal 1 (100/1) may receive a lock or release command for the entire mobile card instead of a specific applet from the payment means management device 300. In this case, The main mobile card applet or the activated mobile card applet may be preferentially locked or unlocked.

The network 200 may include, for example, a broadband network or a local area network or the like as means for providing an access environment for allowing the client terminal group 100 to be connected to the payment method management device 300 or the card issuer server 400 . Here, the broadband network includes a broadband wireless network and a broadband wired network, and the local network may include a short-range wireless network and a near-wired network.

A broadband wireless network is involved in call setup and resource allocation of the client terminal group 100. Although not shown in the figure, a wireless network that is involved in call setup and resource allocation of a second client terminal group can be constructed And those skilled in the art will readily understand the present invention.

Such a broadband wireless network serves to guarantee the mobility of the client terminal group 100, and can perform handover and management of radio resources. A broadband wireless network may comprise a base station and a base station controller and may support both synchronous and asynchronous. In case of the synchronous type, the base station will be a base transceiver station (BTS) and the base station controller will be a base station controller (BSC). In case of asynchronous type, the base station will be a Node B, . Of course, the broadband wireless network is not limited to the CDMA network but may include a global system for mobile communication (GSM) network and an access network of all mobile communication systems to be implemented in the future.

The base station having such an exemplary configuration may receive the call attempt message from the client terminal group 100 through the traffic channel among the signal channels, and may transmit the received call attempt message to the base station controller. The base station is a network endpoint device that performs baseband signal processing, wire / wireless conversion, transmission / reception of radio signals, and is directly connected to the client terminal group 100. The base station controller controls the base station and controls the assignment and release of radio channels for the client terminal group 400, the transmission power control of the client terminal group 100 and the base station, soft hand-over between cells, Transcoding and Vocoding, Global Positioning System (GPS) clock distribution, and operation and maintenance functions for the base station can be performed.

The exchange in the broadband wireless network can perform basic and supplementary service processing, subscriber's incoming and outgoing call processing, location registration procedure and handover procedure processing of the client terminal group 100, and interworking with other networks. The exchange is composed of an ASS (Access Switching Subsystem) that performs distributed call processing functions, an INS (Interconnection Network Subsystem) that performs centralized call processing functions, a CCS (Central Control Subsystem) that centralizes the operation and maintenance, And a location registration subsystem (LRS) for performing storage and management of information on subscribers.

The broadband wired network may be, for example, the Internet, and may include a variety of services, such as HyperText Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Domain Name System ), SMTP (Simple Mail Transfer Protocol), SNMP (Simple Network Management Protocol), NFS (Network File Service), and NIS (Network Information Service) For example, the client 1 100/1, can be connected to the payment method management device 300 by wire.

The local area network within the network 200 may include a local area network and a local area network.

The local wired network is, for example, a local area network (LAN), and is a local wired network between any client terminal of the client terminal group 100, for example, a local wired network between the client terminal 100/1 and the payment method management apparatus 300 A communication environment can be provided.

The short-range wireless network provides a short-range wireless communication environment between the client terminal 1 100/1 and the payment method management apparatus 300 and may include a wireless communication environment such as Wi-Fi.

The payment means management apparatus 300 according to the embodiment of the present invention may be configured such that the applet lock (or release) of a specific mobile card for the client terminal 1 100/1 is requested (e.g., remote control service) through the network 200 The client terminal 100/1 can inquire the applet information of the mobile card and generate a lock (or release) command of the applet according to the result.

In addition, the payment means management apparatus 300 may be configured such that when the use of the entire mobile card for the client terminal group 100 is requested (or approved for use) (for example, a customer information management service) via the network 200, (Or approval to use) request message to the card issuer server 400. The card issuer server 400 may be configured to transmit the request to the card issuer server 400. [ At this time, the payment method management device 300 can process the main mobile card applet or the activated mobile card applet in the client terminal 1 (100/1) to be locked or unlocked in priority.

The card issuer server 400 can determine whether or not to approve any payment history of any client terminal in association with the payment means management apparatus 300. In accordance with the embodiment of the present invention, When the use of the card is suspended (use approval), the use of the mobile card can be stopped and the result can be notified to the payment method management device 300. [

FIG. 2 is a detailed block diagram of the payment means management apparatus 300 of FIG. 1, and includes a remote control service unit 302, an applet management unit 304, a USIM (Universal Subscriber Identity Module) card management unit 306, -Base) 308, an applet DB 310, a customer information management unit 312, and the like.

2, the remote control service unit 302 serves to provide an applet lock (release) request message according to a user command for requesting the applet lock (or release) of the mobile card to the applet management unit 304 . The remote control service unit 302 can be connected to the network 200 via TCP / IP communication. Through the TCP / IP communication, the applet lock management result of the applet management unit 304 Can notify.

The applet management unit 304 can inquire the applet information of the user's mobile card in response to the applet lock request message provided from the remote control service unit 302. When the applet information is inquired, (Cancel) command to the client terminal 1 (100/1) through the network (200).

The applet management unit 304 also performs applet lock (release) management when an ack. Message is received from the client terminal 1 (100/1) according to the applet lock (release) Unit 302 of FIG. At this time, the applet managing unit 304 can inquire information about the mobile card through the USIM card managing unit 306 before the inquiry of the applet information.

The USIM card management unit 306 can inquire the mobile card information of the user, for example, the UICC (Universal IC Card) ID in response to the mobile card information request of the applet management unit 304. The inquiry result of the UICC ID is transmitted to the applet management unit 304 < / RTI > At this time, the UICC can provide services related to personal information management such as client authentication and information management, financial services such as electronic wallet function, or network (WiBro, etc.) connection authentication.

The client DB 308 is a means managed by the above-described payment means management device 300. The client DB 308 stores information on each client of the client terminal group 100, such as ID, telephone number, address, Information such as credit card information, mobile card information, and the like can be stored and modified, and any stored and modified information can be selected by the payment method management apparatus 300 as needed.

The applet DB 310 may store applet information for each mobile card of the client terminal group, for example, specific credit card applet information, and the applet information stored therein may be selected by the applet managing unit 304. [

The client DB 308 and the applet DB 310 may be a relational database management system (RDBMS) such as Oracle, Infomix, Sybase, DB2, Oriented database management system (OODBMS) such as Orion, O2, and the like, and may include appropriate fields for achieving their functions.

The client information management unit 312 may be connected to the client terminal group 100 through the network 200 and may transmit a mobile card use suspension request approval message provided from the client terminal group 100 to the applet management unit 304 And allows the mobile card management unit 314, which will be described later, to request the card issuer server 400 to suspend use of the mobile card. The customer information management unit 312 may include, for example, a call center service.

The mobile card management unit 314 can deliver the mobile card suspension use approval request message provided from the application management unit 304 to the credit card company server 400 and can stop using the mobile card provided from the credit card company server 400 Use approval) processing result and provide it to the applet managing unit 304. [ In addition to the functions described above, the mobile card management unit 314 may provide additional functions such as a mobile card registration process and an information inquiry of the client.

Hereinafter, with reference to the flow charts of FIG. 3 and FIG. 4 together with the above-described configuration, a method of managing a payment means according to an embodiment of the present invention will be described in detail.

3 is a flowchart illustrating a method of managing a payment means according to an embodiment of the present invention, for example, a process of managing a payment means through a remote control service unit 302. [

3, the remote control service unit 302 in the payment method management device 300 receives an applet lock (release) request for an arbitrary mobile card, for example, a mobile card of the client terminal 1 (100/1) (S300). ≪ / RTI > Such an applet lock (release) request may be performed through a TCP / IP based broadband wireless network or a broadband wired network.

The remote control service unit 302 provides an applet lock (release) request message to the applet management unit 304 (S302), and when the applet lock (release) request message is successfully received The applet managing unit 304 can provide an ACK message to the remote control service unit 302. [

Then, the applet management unit 304 can request card information, for example, UICC ID information, to the USIM card management unit 306 (S306). When the card information is inquired through the USIM card management unit 306, And may be provided to the management unit 304 (S308).

Accordingly, the applet managing unit 304 can inquire the applet information about the mobile card of the client terminal 1 100/1 through the applet DB 310 (S310). When the applet information is inquired, the applet managing unit 304 May generate a lock (release) command for the applet (S312).

In this case, in the embodiment of the present invention, a lock (release) command for specific applet information is generated for the mobile card. However, when lock (release) of the entire applet information of the mobile card is requested, It is also necessary to preferentially generate a lock (release) command for the activated mobile card or the main mobile card of the mobile device 100/1.

The generated applet lock (release) command can be transmitted from the payment method management device 300 to the network 200 (S314), and the network 200 transmits the applet lock (release) command to the client terminal 100/1 (S316).

Thereafter, an applet lock (release) operation can be performed by the client terminal 1 100/1 and an ACK message according to a result of the applet lock (release) operation is transmitted to the applet manager 304 via the network 200 (S318) (S320).

Accordingly, the applet managing unit 304 can perform applet lock (S322) management and can transmit the applet lock (cancel) management result to the remote control service unit 302 (S324).

When the result of the applet lock (cancel) management execution is transmitted to the remote control service unit 302, the remote control service unit 302 can notify the user who requested the applet lock (cancel) .

As described above, in the embodiment of the present invention, an applet lock (release) command is generated in response to a request for an applet lock (release) to a mobile card of a specific client terminal by a user's remote control service, ) Command to the corresponding client terminal so that the use of the specific applet or activated applet of the mobile card stored in the client terminal can be stopped or reused.

FIG. 4 is a flowchart illustrating a payment method management method according to an exemplary embodiment of the present invention, for example, a payment method management process through the customer information management unit 312. FIG.

4, the customer information management unit 312 in the payment method management device 300 may suspend (use approval) for any mobile card, for example, the mobile card of the client terminal 1 100/1, It can be determined whether there is a request (S400). Such a request for suspension of use (approval for use of the mobile card) can be performed through a broadband wireless network, a broadband wired network, a general landline telephone, or the like, for example, a call center service.

If there is a request to suspend (use approval) of the mobile card, the customer information management unit 312 provides the mobile card suspension use approval request message to the applet management unit 304 (S402) Approval request message is successfully received, the applet management unit 304 may provide an ACK message to the customer information management unit 312. [

The mobile card use suspension request message may be provided to the card issuer server 400 via the mobile card management unit 314 and the card issuer server 400 may transmit the suspension request message The mobile card can be stopped (approved) (S406) (S408).

When the use of the mobile card is suspended (approved) by the card issuer server 400, the result may be provided to the applet management unit 304 via the mobile card management unit 314 (S410) (S412).

At this time, in this embodiment, the lock (release) of the specific mobile card of the client terminal 1 (100/1) may be requested or the entire mobile card of the client terminal 1 (100/1) (Release) operation to the activated mobile card or the main mobile card of the client terminal 1 100/1 may be preferentially handled in the latter case will be.

As described above, according to the embodiment of the present invention, in response to a request to suspend (use approval) for a mobile card of a specific client terminal by the call center service, Request message, and immediately suspend (approve) the use of the mobile card.

According to the embodiment of the present invention, when it is desired to temporarily suspend (or reuse) the use of a payment means, for example, a mobile card or a smart card mounted in the mobile communication terminal, (Or release) function of the mobile card, or to stop (or approve) the use of the mobile card by the card company server, it is possible to promptly respond to the request to stop using the mobile communication terminal equipped with the mobile card. In addition, according to the embodiment of the present invention, an application for suspension (or approval of use) of a specific mobile card included in a mobile communication terminal or a USIM card is transmitted to a customer information management center, for example, through a call center It is possible to increase the management convenience for a plurality of mobile cards managed in the mobile communication terminal. Therefore, it is expected that the mobile card market will be revitalized because convenience and reliability can be secured when a user such as a smart phone receives a mobile payment service.

100: Client terminal group
200: Network
300: Payment means management device
302: Remote control service section
304: Applet manager
306: USIM card management section
308: Client DB
310: Applet DB
312: Customer Information Management Department
314: mobile card manager
400: card issuer server

Claims (6)

When a plurality of mobile cards in a client terminal are requested to be locked or unlocked, preferentially generating a lock or unlock command for the main mobile card or the activated mobile card among the plurality of mobile cards and transmitting the lock or unlock command to the client terminal Management; And
A Universal Subscriber Identity Module (USIM) card management unit for inquiring information on the mobile card and providing a result of information inquiry about the mobile card to the payment means management unit;
And the settlement means. The method according to claim 1,
The payment means management unit,
And generates a lock or unlock command for the specific mobile card when a lock or unlock for a specific mobile card in the client terminal is requested. The method according to claim 1,
Further comprising a mobile card management unit for transmitting a use suspension or use approval request message to the card issuer server,
The payment means management unit,
Requesting the card issuer server to suspend or use the mobile card through the mobile card management unit and receiving a result of the suspension or use approval process of the mobile card in the card company server through the mobile card management unit Wherein the settlement management means comprises: A payment method management device inquiring mobile card information of the client terminal if there is a lock or release request for a plurality of mobile cards in the client terminal;
Generating a lock / unlock command for the main mobile card or the activated mobile card in response to the information inquiry result, in case of a lock or unlock request for a plurality of mobile cards; And
Transmitting the generated lock / unlock command to the client terminal;
The method comprising the steps of: [Claim 5 is abandoned upon payment of registration fee.] 5. The method of claim 4, wherein generating the lock /
And a lock / unlock command for the specific mobile card when the lock / unlock request is for a specific mobile card in the client terminal. [Claim 6 is abandoned due to the registration fee.] 5. The method according to claim 4,
A step in which the payment means management device transmits a suspension or use approval request message to the card company to the card company server when there is a suspension or use approval request for the mobile card in the client terminal; And
A step in which the payment means management device transmits the result message to the client terminal when the result of approval or disapproval of the use of the mobile card is notified from the card company server;
Further comprising the step of:

Images