KR20020088339A - Method and system for final approval using communication terminal - Google Patents

Abstract

PURPOSE: A method and a system for a final approval using a communication terminal are provided to make a user ask a payment after the confirmation of the approved contents by displaying the amount and the information through the communication terminal at a final step of the approval of a credit card and the Internet banking and by making the user input a password. CONSTITUTION: If the user requests the approval after using a credit card payment or an Internet banking service(S20), a service provider providing the final approval contents through the communication terminal informs the user of the approval contents through a text message or a voice. The user confirms the final approval(S30) and decides the final approval by the password(S40). The approval of the credit card payment or the Internet banking service is decided by the input of the password(S50) and the details for the approval contents are outputted to a screen or a paper(S60).

Description

Final approval method and system using communication terminal {Method and system for final approval using communication terminal}

Currently, the use of credit cards and Internet banking is steadily increasing, so security is an important issue. Especially in the case of credit cards, there is a risk of loss and theft, and leakage of credit card numbers is causing a great loss not only to users but also to credit card companies. In the case of Internet banking, secure transactions are threatened by hacking or exposure of passwords, and users frequently visit their banks on their own. In the case of a debit card, the user enters a password directly into the keypad of the terminal for approval. In this process, the password of the user's debit card is very likely to leak.

As a security measure for the above problem, a method of distributing a card with a randomly generated 20 number as a password and inputting one of them is used, but this method may also lose the card where the password is stored. If so, there are disadvantages such as the existing method. In addition, LG Capital's 'LG Card Mobile Phone Texting Service' provided from May 1, 2001, is that when the credit card is used, the details are transmitted to the user's mobile phone as a text message. Therefore, the problem of leaking credit card number and password cannot be prevented in advance.

The present invention is to add the process of final confirmation by inputting a password after displaying the amount and information to be approved through the communication terminal at the end of the process of the credit card and internet banking is approved, After checking, it has the advantage of requesting payment.

1 is a block diagram of the configuration of an approval method and system currently in operation.

Figure 2 is a block diagram of a payment approval method and system configuration using the present invention communication terminal.

Figure 3 is a flow chart showing the operation process made by the present invention.

4 is a block diagram showing the type of data exchanged between a user and a service provider;

The present invention, by displaying the amount and information to be approved at the end of the transaction approval, by adding a step of directly inputting the password in the user's communication terminal for the user's final confirmation, credit card number leakage, Internet banking password leakage The present invention relates to a payment approval method and system using a communication terminal for the purpose of preventing a wrong approval due to such a problem. Referring to the drawings in detail the configuration for achieving the object as follows.

1 is a block diagram of an authorization method and system currently in operation, and a credit card company 22 or a bank through a web site where a user 10 provides a credit card merchant 21 or an internet banking 31 service. When applying for payment to (33), the credit card company 22 or the bank 32 confirms the correct transaction and then explains the process of approving the payment. In the credit card settlement system 20, which is composed of a credit card merchant 21 and a credit card company 22, the user is identified by using the expiration date of the credit card, the credit card number, and whether the credit is overdue. It is approved regardless of its identity. This is also the case in the bank settlement system 30, which is composed of a web site providing an internet banking (31) service and a bank (32), information of a user currently using the Internet banking (31) service is determined by ID, password, and certificate. The approval will be determined accordingly.

2 is a block diagram of a method and system for approving a payment using a communication terminal of the present invention. In FIG. 1, a final approval service provider 70 is added to the user. It is composed of a feature to determine the final approval by receiving the password to be transmitted to the user 40 to confirm the information to the communication terminal of 40). The user 40 has a step of confirming the contents to be approved by using a personal terminal and determining the approval thereof, thereby preventing negative use which is not his intention, and storing the approval stored in the terminal. By using the credit card or the transaction history of the Internet banking 61 can be inquired and calculated.

3 is a flowchart illustrating an operation process performed by the present invention. When the user requests an approval by using a card payment or an internet banking service (S10) (S20), a service provider that provides information on the final approval details using a communication terminal may notify the user of the approval by text message or voice. Confirm the final approval (S30) and determine the final approval by the password (S40). In this process, the authorization for the card payment or the Internet banking service is used (S10) is determined by the user's correct password input (S40), and the specification table for the approval details is output on the screen or paper (S60). Then terminate the series.

Next, FIG. 4 shows a form of data exchanged between the user 80 and the final approved service provider 90. The information 81 provided from the final approved service provider provides a card merchant or an internet banking service. The company name 811, the transaction amount 812, the transaction date and time 813 may be implemented in text or voice, and the data that the user must deliver to the final approval service provider is the final approval with a password (91) Information requested.

A communication terminal that transmits and receives data between the user 80 and the final approved service provider 90 may be any type of terminal capable of data transmission, and the user's mobile phone is basically set as a communication terminal for payment. By temporarily changing the landline phone or another person's mobile phone in advance before payment can be used conveniently.

According to the above configuration, the terminal receives information about the transaction requested by the user and inputs the password to the service provider using the terminal to confirm the final approval, thereby preventing misapproval and misuse of the credit card. To improve the security of Internet banking. And by adding the function to save the information about the correct payment to the communication terminal, you can not only implement the function to view the transaction history on credit cards and Internet banking, but also add the function to calculate the usage history A program that can automatically manage the amount of money can also facilitate the implementation.

Claims (5)

In the case where the user 40 pays the credit card company 52 or the bank 62 through a web site providing a credit card merchant 51 or an Internet banking 61 service, the credit card company 52 and the bank ( In step 62), a process of providing a final approval service between a process of confirming whether the payment is a correct transaction and a process of approving the payment is made, and the final approval service provider 70 intends to approve the user 40 to the communication terminal. Communication after the contents 81 are provided to the credit card association 52 or the bank 62 by providing a password 91 in the user's communication terminal to confirm the communication, characterized in that for providing information Final approval method and system of payment using a terminal. The method and system according to claim 1, wherein the payment is finally approved using a communication terminal using a mobile phone as a communication terminal receiving final approval. The method and system of claim 1, wherein the communication terminal can be changed to any mobile phone, PDA, and landline telephone with a final approval. The program of claim 1, wherein the approved transaction can be stored as data to retrieve and calculate the details. The communication terminal according to claim 1, wherein a program for storing an approved transaction as data and inquiring and calculating the details thereof is included.