KR20110096011A - Method for providing credit card service using mobile id and mobile terminal - Google Patents

Abstract

PURPOSE: A credit card service providing method using mobile ID and mobile terminal is provided to clearly establish responsibility about usage by enabling a mobile terminal received payment request to perform payment using PIN number or password that is inputted in advance by a user. CONSTITUTION: A mobile credit card payment program is downloaded in memory of a mobile terminal. A server of the mobile credit card payment system certificates a user and issues mobile ID mapped with the user(S202, S203). The mobile ID and a pre-issued credit card list is stored in the mobile terminal(S204-S212). The credit card list which in advance issues is saved with the mobile identification in the mobile terminal. The user requests payment to credit card terminal of a credit card franchise. The payment is requested to the server of a credit card company and a VAN company.

Description

How to provide credit card service using mobile ID and mobile terminal {METHOD FOR PROVIDING CREDIT CARD SERVICE USING MOBILE ID AND MOBILE TERMINAL}

The present invention relates to a credit card payment using a mobile terminal, and more particularly, to a method of using a conventional credit card payment without possession of a plurality of magnetic cards, using a mobile terminal such as a smartphone and a mobile ID. will be. More specifically, the present invention transmits a mobile ID to a payment terminal of an offline credit card merchant by contact / contactless communication or a separate means, requests a payment to a mobile terminal of a user mapped to the mobile ID, and makes a final payment. The present invention relates to a credit card payment method and apparatus for transmitting authorization results to merchants and users in real time.

IT services, which began with PCs and the Web, are now developing at a faster pace thanks to the spread of mobile terminals called smartphones, along with the electronic payment business.

The offline payment method of the electronic payment business is mainly using a credit card that is easier to use and carry than cash. Specifically, a credit card is recognized through a magnetic reader of a credit card checker, and the recognized credit card information is transmitted to a van company system and a card company to request payment approval.

It is also common for users to carry different types of cards for different benefits and services.

Recently, a mobile credit card payment using a mobile terminal has also appeared in the market (see, for example, Korean Patent Publication No. 10-2011-0068588 (2011.6.22)). Specifically, the mobile credit card payment is characterized by transmitting the credit card information stored in the mobile terminal to the wireless payment terminal (hereinafter referred to as "dongle") of the merchant using RF or infrared rays, and then The payment step is the same as the payment method using the magnetic reader.

However, the offline credit card payment according to the prior art has the following problems.

First of all, the conventional credit card payment transfers the user's credit card information to the merchants and VAN company every payment, so that the personal information is exposed to malicious companies or attacks, or theft case of making a duplicate card.

In addition, there is always a risk of loss because you carry a variety of cards, often do not know the benefits or services of their cards.

In addition, the conventional mobile credit card payment method has been changed only the means of transmitting credit card information, it is not different from the prior art and was not free from the exposure and theft of personal information, and because only the mobile dedicated credit card payment was possible, There were many problems with the dissemination.

In addition, since the mobile credit card-only dongle and the existing credit card terminals (POS terminal, CAT terminal, etc.) were separately managed, there was a problem of introducing additional infrastructure from the merchant point of view.

In addition, since the conventional credit card payment is issued three receipts, the receipt issuance costs and management costs and manpower required for each payment separately required.

The present invention has been made to solve the above-described problems of the prior art, when using a credit card in an offline merchant, using not only a mobile-only credit card but also a conventional general magnetic card using the user's mobile terminal and mobile ID To provide a way to make a payment.

In addition, the present invention is to provide a method that can use the existing magnetic card through a mobile terminal without having a magnetic card issued directly.

In addition, the present invention is to provide a payment method that fundamentally eliminates the risk of theft due to card information leakage and duplicate cards by transmitting a mobile ID that is mapped 1: 1 with the user and using this payment.

In addition, the present invention is to provide a method that can be paid by using a mobile terminal in the existing credit card terminal, without introducing additional infrastructure.

In addition, the present invention by using a password or a personal identification number (PIN) entered by the user in the mobile terminal receiving the payment request, clear the responsibility for the use and eliminated the dispute about the use of the payment fundamentally To provide a method.

In addition, the present invention displays information such as discount card information, coupons, etc. provided for each merchant on the user's mobile terminal, and provides a convenience to the user by automatically generating a receipt for the payment is completed and electronically stored; To provide merchants a payment method that can reduce the cost of issuing receipts.

MEANS TO SOLVE THE PROBLEM The present inventors completed this invention as follows as a result of earnestly examining in order to achieve the said objective and to solve the problem of the prior art mentioned above.

That is, an example of a method of providing a credit card service using a mobile ID and a mobile terminal according to the present invention includes: downloading a mobile credit card payment program to a memory of the mobile terminal; In accordance with the execution of the mobile credit card payment program, authenticating the user at the server of the mobile credit card payment system and issuing a mobile ID mapped 1: 1 with the user; Storing the mobile ID and the previously issued credit card list in a mobile terminal; Requesting a payment by a user from a credit card terminal of a credit card merchant through contact / contactless communication or a separate means; Requesting a payment to a server of a VAN company and a credit card company using the mobile ID and transaction information received from the credit card affiliate store; Recognizing the mobile ID in the server of the credit card company receiving the payment request and requesting authentication to the server of the mobile credit card payment system; Verifying the validity of the mobile ID at the server of the mobile credit card payment system and requesting authentication from the mobile terminal of the user mapped to the mobile ID; Selectively displaying the available credit card list and additional information on the mobile terminal by comparing the transaction information with previously input credit card information; If a specific credit card is selected from the displayed credit card list, controlling the payment to the specific credit card according to the purchase.

In the method of providing a credit card service using a mobile ID and a mobile terminal according to the present invention, a user's previously issued credit card list can be transmitted to a mobile terminal through a server of the mobile credit card payment system. A mobile ID for a specific credit card or a specific credit card company may be set as a first mobile ID and stored in a server and a mobile terminal of the mobile credit card payment system. In addition, the mobile ID is information for identifying a user, and may be in the same format as an existing magnetic credit card identification number 16 digits or a mobile credit card. In addition, the server of the mobile credit card payment system may be configured alone or included in the server of the credit card company, the contact / contactless communication or a separate means including infrared, NFC, Bluetooth, etc. in addition to the conventional RF method It means a short range wireless communication means or an image code method including a QR code or a barcode. On the other hand, the full text of the payment request received from the mobile terminal to the credit card terminal includes the mobile ID and transaction information, and can selectively display the additional information available by comparing the credit card entered with the merchant requesting the transaction. If the transaction is completed, the transaction approval details may be selectively displayed according to a condition input by the user.

In addition, the mobile terminal of the mobile credit card payment system according to the present invention, the download unit for downloading, installing and managing the mobile credit card payment program; A memory unit which stores the downloaded mobile credit card payment program and secures and manages a space where credit card information is stored in an internal storage space or a memory of the mobile credit card payment program; Security unit for combining or processing and encrypting the credit card information and transaction information; A communication unit capable of transmitting / receiving authentication information with a server of a mobile credit card payment system using a web or a communication network, and transmitting / receiving transaction information with an affiliated store through contact / contactless communication or a separate means; A control unit which controls the memory unit, the security unit and the communication unit, classifies and processes the information received from the server of the user and the mobile credit card payment system; It includes a display unit for displaying the contents received from the controller on the screen that can be recognized by the user.

In addition, the server of the mobile credit card payment system according to the present invention, the database unit for storing user information and mobile ID and stores the data of the mobile credit card payment system; A communication unit for receiving a mobile ID and transaction information from a specific credit card company and transmitting the mobile ID and transaction information to a mobile terminal of a mobile credit card payment system or receiving information from the mobile terminal; A security unit for encrypting / decrypting user information stored in the database unit and information transmitted / received by a mobile credit card payment program; An authenticator verifying validity of the mobile ID and identifying a mobile terminal mapped to the mobile ID; And a controller for classifying and storing information based on the contents received from the mobile terminal, and controlling the communication unit, database unit, and authentication unit.

In addition, the mobile credit card payment system according to the invention is characterized in that it comprises a server of the mobile terminal and the mobile credit card payment system.

According to the present invention, even in the case of a general magnetic credit card can be settled at offline merchants using contact / contactless communication or a separate means, such as a mobile-only credit card without having a separate credit card, the leakage of credit card information or Essentially blocks malicious use.

In addition, the consumer can use the best credit card for the affiliated store by displaying different discount card information for each affiliated store on the mobile terminal. In addition, by storing the receipts that were managed as feeders electronically on the mobile terminal, it is possible to manage the user's payment history at a glance, and prevent the dispute of credit card use.

On the other hand, merchants can use the existing mobile credit card dongle or credit card terminal as it is, and by using the same payment process as the existing mobile credit card payment process, there is no need for additional training or infrastructure construction costs. Receipt issuance costs and consequent receipt management costs can be reduced, and the required manpower, costs, and resources can be greatly reduced by preventing disputes caused by credit card theft and user use.

In addition, the card company can use the existing magnetic credit card with the mobile credit card without installing additional infrastructure, thereby enabling the activation of mobile credit card payment at no additional cost, and can reduce the cost of issuing the magnetic credit card. .

In addition, in terms of security, the credit card information for payment is not provided to the seller (merchant), and since the card information is encrypted and stored in the mobile terminal with a reliable encryption algorithm, the leakage of personal payment information and the malicious third through it The use of children can be blocked at source. More specifically, for example, since the user enters a password or PIN set directly by himself, he / she can be more clearly responsible for leaking credit card information.

Figure 1 illustrates a credit card service providing method using a mobile ID and a mobile terminal according to an embodiment of the present invention.
2 is a message flow diagram illustrating a mobile ID issuing procedure in a method for providing a credit card service using a mobile ID and a mobile terminal according to an embodiment of the present invention.
3 is a message flow diagram illustrating another example of a mobile ID issuing procedure in a method for providing a credit card service using a mobile ID and a mobile terminal according to an embodiment of the present invention.
4 is a message flow diagram illustrating a payment process of a method for providing a credit card service using a mobile ID and a mobile terminal according to an embodiment of the present invention.
5 is a message flow diagram illustrating a payment cancellation process after the payment process according to FIG. 4.
6 is a message flow diagram illustrating another example of a payment process in a method for providing a credit card service using a mobile ID and a mobile terminal according to an embodiment of the present invention.
7 is a message flow diagram illustrating a payment cancellation process after the payment process according to FIG. 6.
8 is a diagram illustrating an internal block of a mobile terminal in a credit card payment system using a mobile ID and a mobile terminal according to an embodiment of the present invention.
9 is a block diagram illustrating an internal block of a mobile credit card payment system server in a credit card payment system using a mobile ID and a mobile terminal according to an embodiment of the present invention.
10 to 11 are examples of a real display for explaining a credit card payment method using a mobile ID and a mobile terminal according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, but the present invention is not limited or limited to these embodiments.

On the other hand, in describing the present invention, when it is determined that the detailed description of the related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terminology used herein is a term used to properly express a preferred embodiment of the present invention, which may vary according to a user, an operator's intention, or a custom in the field to which the present invention belongs. Therefore, the definition of the terms should be made based on the contents throughout the specification.

First, briefly summarized and described the technical idea of the present invention, such as a mobile terminal (for example, smartphone, mobile phone, PDA, Wibro terminal, notebook, ultra-mobile PC (UMPC), portable memory (USB), etc.) As a personalized electronic mobile credit card payment solution using a wired or wireless communication terminal), the mobile credit card payment program is installed in the memory of the mobile terminal, and the credit card payment information possessed by the user is stored / in the payment program. It is a new technical idea that can be managed, and pass the mobile ID to the offline credit card merchant by contact / contactless communication or a separate means, and enable payment with a credit card stored in the user's mobile terminal.

Figure 1 illustrates a credit card service providing method using a mobile ID and a mobile terminal according to an embodiment of the present invention.

Specifically, the credit card payment system using a mobile ID and a mobile terminal according to an embodiment of the present invention, the mobile terminal 200, mobile credit card payment program 210, credit card merchant 300, credit card terminal ( 400), a VAN company 600, a credit card company server 700, and a mobile credit card payment system server 800 is configured.

The mobile terminal 200 is configured to include a mobile credit card payment program 210, the credit card terminal 400 of the credit card merchant 300 based on the credit card information stored in the mobile credit card payment program 210 Send information to contact / contactless communication or to separate means.

In the present invention, contact / contactless communication refers to short-range wireless communication means including infrared, Near Field Communication (NFC), Bluetooth (Bluetooth), etc. in addition to the existing RF (Radio Frequency) method, the separate means is a screen of the mobile terminal It means a method that can transmit and receive information with the credit card terminal 400 in the image code method such as a barcode or QR code on the.

Herein, the credit card merchant 300 refers to an offline credit card merchant having a credit card terminal 400. The credit card terminal 400 includes a conventional point of sale (POS) terminal and a credit card authorization terminal (CAT) terminal, and is capable of receiving electronic information through short-range wireless communication including RF, infrared, NFC, and Bluetooth. General term payment terminal.

The VAN company 600 refers to a credit card payment relay company, and generally transmits the credit card information to the credit card company server 700, and transmits the result value to the credit card merchant 300, the slip, A company that performs tasks such as receipt management.

Credit card company is a company that is responsible for validation and credit card payment approval and cancellation of the transaction that the payment request is received, the credit card company server 700 is a server for performing the task.

The server 800 of the mobile credit card payment system is a server for providing a service according to the present invention, and authenticates the credit card information and the mobile ID to the mobile terminal 200 of the user who is mapped 1: 1 to the mobile ID. Send the payment verification request. The mobile credit card payment system server 800 may exist inside a credit card company, or may exist outside a credit card company, such as when a separate service provider provides a service. This can be flexibly configured according to the service subject, and there is no change in the spirit of the present invention.

The operating state of the present invention configured as described above will be described.

2 is a message flow diagram illustrating a mobile ID issuing procedure in a method for providing a credit card service using a mobile ID and a mobile terminal according to an embodiment of the present invention.

Specifically, the user 100 applies for a credit card service using a mobile ID and a mobile terminal according to the present invention to the server 800 of the mobile credit card payment system (S201). At the time of the application, it is possible to apply to the above-mentioned mobile terminal (wireless or wireless communication capable devices) including a mobile phone, and includes information for authentication.

The mobile credit card payment system server 800 performs identity authentication based on this (S202). In this case, the server 800 may use various personal authentication means such as mobile carrier authentication, public certificate, real name authentication, I-PIN, ID / PW, etc. to prove that the user is a valid user.

The server 800 of the mobile credit card payment system issues a mobile ID only to the user who has successfully authenticated the user (S203), and transmits the mobile ID to the mobile terminal 200 and the server 700 of the credit card company (S204). , S205).

The mobile ID is an identifier for providing a service according to the present invention and is a unique value for identifying the user. In addition, the same format as the existing magnetic credit card identification number 16 digits may be used to use the conventional credit card payment infrastructure, or may be a kind of mobile credit card.

The mobile terminal 200 having received the mobile ID and the server 700 of the credit card company store the mobile ID in an internal storage space (S206 and S207).

The internal storage space refers to a physical medium capable of electronically storing information such as a hard disk, a solid state drive (SSD), an SD card, a SIM card, and a magnetic tape.

On the other hand, when the server 800 of the mobile credit card payment system receives the credit card list request issued to the user from the mobile terminal 200 (S208) and transmits the request to the server 700 of the credit card company (S209), Receives a previously issued credit card list from the credit card company (S210) and transmits to the mobile terminal 200 (S211). In this case, the user 100 may directly input previously issued credit card information into the mobile terminal 200.

The mobile terminal 200 stores the received credit card list (S212), and if necessary, the user 100 sets a first mobile ID (S213) and stores it in the mobile terminal 200 (S214). .

The first mobile ID may be set when a mobile ID is issued from various credit card companies or there is a credit card to be used, and thus, it is possible to set an available credit card to be displayed to the user 100 during the payment process. Here, one or more credit cards to be used can be set, and a credit card company to be used can be set to display all the credit cards of the credit card company.

3 is a message flow diagram illustrating another example of a mobile ID issuing procedure in a method for providing a credit card service using a mobile ID and a mobile terminal according to an embodiment of the present invention.

3 is a case where the server 800 of the mobile credit card payment system is included in the server 700 of the credit card company, compared to FIG. 2. Therefore, in the case of FIG. 3, the role of the mobile credit card payment system server 800 in FIG. 2 is included in the server 700 of the credit card company, and communication between the two servers 700 and 800 is omitted. Other procedures are the same as in FIG.

More specifically, the user 100 applies for a service to the server 700 of the credit card company and transmits authentication information (S301), and the server 700 of the credit card company issues a user authentication (S302) and a mobile ID (S303). ), The mobile ID is transmitted to the mobile terminal 200 (S304) and stored (S305).

When the server 700 of the credit card company receives the credit card list issued from the mobile terminal 200 (S306) and transmits the list (S307), the list is stored in the mobile terminal 200 (S308). In addition, the user 100 sets a first mobile ID (S309) and stores it in the mobile terminal 200 (S310).

4 is a message flow diagram illustrating a payment process of a method for providing a credit card service using a mobile ID and a mobile terminal according to an embodiment of the present invention.

First, the user 100 requests a product purchase to the affiliated store 300 (S401), and performs a payment request through the mobile terminal 200 (S402). More specifically, the mobile terminal 200 transmits the mobile ID to the credit card terminal 400 of the affiliate store 300 by a separate means using contact / contactless communication or an image code such as a barcode or a QR code.

The credit card terminal 400 of the merchant 300 makes a payment request to the VAN company 600 using the received mobile ID (S403), and the VAN company 600 receives the credit to issue the mobile ID. The payment request is forwarded to the server 700 of the card company (S404). The full text of the payment request includes information necessary for payment of mobile ID and transaction information (amount, merchant, installment, etc.).

The server 700 of the credit card company receiving the payment request identifies the mobile credit card payment request using the mobile ID (S405) and transmits the authentication request to the server 800 of the mobile credit card payment system (S406). The server 800 of the mobile credit card payment system verifies the validity of the received mobile ID and checks the user information mapped to the mobile ID 1: 1 (S407). The full text of the authentication request includes information required for payment, such as mobile ID and transaction information. After confirming the user information, the transaction authentication request is transmitted to the mobile terminal 200 of the user (S408).

The mobile terminal 200 receiving the authentication request displays available pre-stored credit card information, and selectively displays additional information (discounts, points, installments, etc.) according to the present invention (S409). The user selects a suitable credit card based on the displayed content and authenticates by inputting a preset password or PIN to the mobile terminal (S410). The mobile credit card payment program verifies the validity of the received password or PIN and transmits an authentication result to the server 800 of the mobile credit card payment system for the validated transaction (S411).

The server 800 of the mobile credit card payment system transmits the received authentication result to the server 700 of the credit card company (S412), and the server 700 of the credit card company performs the final transaction based on the authentication value. Approve the payment (S413). The approval result is transmitted to the affiliated store 300 through the VAN company system (S416, S417), and the affiliated store provides the goods, services, and services to the user. In addition, the approval result is transmitted to the mobile credit card payment program of the mobile terminal via the server 800 of the mobile credit card payment system (S414, S415), the payment is stored to the user by storing the approval result in the mobile credit card payment program Acknowledge success.

5 is a message flow diagram illustrating a payment cancellation process after the payment process according to FIG. 4.

The user 100 requests a product cancellation request to the affiliated store 300 (S501) and performs a payment cancellation request through the mobile terminal 200 (S502). More specifically, the mobile terminal 200 transmits the mobile ID to the credit card terminal 400 of the affiliate store 300 by a separate means using contact / contactless communication or an image code such as a barcode or a QR code.

The payment cancellation request is transmitted to the server of the credit card company through the VAN company 600 through the credit card terminal 400 of the merchant (S503, S504), the server of the credit card company receives a full cancellation request mobile ID By identifying the cancellation request through (S505) and requests authentication to the server 800 of the mobile credit card payment system (S506). The preamble of the cancellation request includes information necessary for cancellation of the mobile ID and transaction information (transaction number, approval number, merchant code, etc.).

The server 800 of the mobile credit card payment system authenticates the mobile ID (S507), and transmits the authentication result to the server 700 of the credit card company (S508). The server 700 of the credit card company performs the final cancellation based on the authentication value (S509), and transfers the result value to the affiliated store 300 via the VAN company 600 (S512 and S513). In addition, the transfer to the user 100 via the server 800 of the mobile credit card payment system (S510, S511).

6 is a message flow diagram illustrating another example of a payment process in a method for providing a credit card service using a mobile ID and a mobile terminal according to an embodiment of the present invention.

FIG. 6 illustrates a case in which the server 800 of the mobile credit card payment system is included in the server 700 of the credit card company in comparison with FIG. 4. 6, the role of the server 800 of the mobile credit card payment system of FIG. 4 is included in the server 700 of the credit card company, and communication between the two servers 700 and 800 is omitted. Other processes are the same as in FIG.

More specifically, the user 100 requests a product purchase to the affiliated store 300 (S601), and performs a payment request through the mobile terminal 200 (S602). The credit card terminal 400 of the merchant 300 makes a payment request to the VAN company 600 using the received mobile ID (S603), and the VAN company 600 receives the credit to issue the mobile ID. The payment request is forwarded to the server company 700 (S604).

The server 700 of the credit card company that receives the payment request identifies the credit card payment request using the mobile ID, authenticates the mobile ID, and checks the user information mapped to 1: 1 (S605).

The transaction authentication request is transmitted to the mobile terminal 200 of the user who is mapped after the identification and authentication (S606), and the mobile terminal 200 receiving the authentication request displays available pre-stored credit card information, and accordingly Information (discount, point, installment, etc.) is selectively displayed (S607). The user selects a suitable credit card based on the displayed content and authenticates by inputting a preset password or PIN into the mobile terminal (S608). The mobile credit card payment program verifies the validity of the received password or PIN, and transmits the authentication result to the server 700 of the credit card company for the validated transaction (S609).

The server 700 of the credit card company approves the final payment for the transaction based on the received authentication result (S610). The approval result is transmitted to the affiliated store 300 through the VAN company system (S612, S613), the affiliated store provides the goods, services, and services to the user. In addition, the approval result is transmitted to the mobile credit card payment program of the mobile terminal (S611), by storing the approval result in the mobile credit card payment program to let the user recognize that the payment was successful.

7 is a message flow diagram illustrating a payment cancellation process after the payment process according to FIG. 6.

The user 100 requests a product cancellation request to the affiliated store 300 (S701) and cancels the payment through the mobile terminal 200 (S702). More specifically, the mobile terminal 200 transmits the mobile ID to the credit card terminal 400 of the affiliate store 300 by a separate means using contact / contactless communication or an image code such as a barcode or a QR code.

Payment cancellation request is transmitted to the server 700 of the credit card company via the VAN company 600 through the credit card terminal 400 of the merchant (S703, S704), the server 700 of the credit card company cancellation Upon receiving the full text of the request, the mobile ID identifies the cancellation request and authenticates that it is a valid mobile ID (S705).

The server 700 of the credit card company performs the final cancellation based on the authentication value (S706), and transfers the result value to the affiliated store via the VAN company 600 (S708, S709). In addition, the transfer directly to the user 100 (S707).

8 is a diagram illustrating an internal block of a mobile terminal in a credit card payment system using a mobile ID and a mobile terminal according to an embodiment of the present invention.

Here, FIG. 8 illustrates a module directly or indirectly related to the present invention. The blocks shown in FIG. 8 may be designed as a module, and the module refers to one unit for processing a specific function or operation. Each module may be implemented in hardware or software, or may be implemented in a combination of hardware and software.

Specifically, as described above, the mobile terminal 200 is connected to a communication network such as a smart phone, a mobile phone, a PDA, a Wibro terminal, an ultra mobile PC (UMPC), a portable memory (USB), and the like to wirelessly transmit electronic information. Refers to a terminal capable of transmitting and receiving and capable of wireless communication through contact / contactless communication or separate means.

The mobile credit card payment program 210 includes a download unit 214, a memory unit 211, a communication unit 213, a security unit 212, a control unit 216, and a display unit 215.

The download unit 214 downloads the mobile credit card payment program. However, the payment program may exist in the form of VMware (Virtual Machine Software), a smartphone application, etc. according to the mobile terminal system, and may be appropriately interpreted according to the description throughout the present specification.

The memory unit 211 stores the downloaded mobile credit card payment program, and stores a mobile ID of the user, credit card information input by the user, authentication information of the user, and the like.

The communication unit 213 transmits payment information to the credit card terminal of the merchant through contact / contactless communication or a separate means, or receives a payment authentication request from a server of the mobile credit card payment system through a communication network.

The security unit 212 encrypts information to be stored in the memory unit 211, or is responsible for user authentication during encryption / decryption and payment for communication when information is transmitted / received in the communication unit 213.

The controller 216 processes, analyzes, and combines the received information to control the respective modules 211, 212, 213, 214, and 215 through the corresponding information. Create information to show.

The display unit 215 displays the received information to be recognized by the user (customer).

9 is a block diagram illustrating an internal block of a mobile credit card payment system server in a credit card payment system using a mobile ID and a mobile terminal according to an embodiment of the present invention.

Here, FIG. 9 illustrates a module directly or indirectly related to the present invention. The blocks shown in FIG. 9 may be designed as a module, and the module means one unit for processing a specific function or operation. Each module may be implemented in hardware or software, or may be implemented in a combination of hardware and software.

The server 800 of the mobile credit card payment system includes a database unit (DB) 810, a mobile terminal 200, and a credit card company server 700 that store and manage a mobile ID that is mapped 1: 1 with user information. The user information in real time based on the information stored in the communication unit 840 for transmitting / receiving the data, the security unit 820 for preventing hacking or leakage by malicious users, and processing and changing the information, and the database unit 810. The authentication unit 850 for verifying a mobile ID, and the database unit 810, the security unit 820, the communication unit 840, the control unit 830 for controlling the authentication unit 850 is configured to include.

10 to 11 are examples of a real display for explaining a credit card service providing method using a mobile ID and a mobile terminal according to an embodiment of the present invention.

10 illustrates an example in which the user 100 contacts the mobile terminal 200 with the credit card terminal 400 of the affiliate store 300 and is displayed in the mobile credit card payment program (220). Among the previously entered credit cards, available cards and merchant benefits per card are selectively displayed (221) so that the user can select a payment request card.

When the user selects the payment request card, the payment authentication request is displayed according to the display 230. If the user inputs the preset password, the payment is approved.

11 is a real display example for explaining a receipt for a normal approved payment history. By setting inquiry conditions such as periods and affiliates for the normal approved transactions, the payment details may be selectively displayed (240), and detailed receipt details may be checked according to a user's needs (250).

For easier understanding of the present invention, the following describes a more specific usage scenario.

The user may be provided with a collective payment environment using a mobile terminal regardless of a mobile dedicated credit card or a general magnetic credit card. In addition, the same card payment service can be provided without a direct possession of the magnetic credit card. In addition, different benefits can be checked at a glance for each merchant, and the receipts are processed electronically, which is advantageous for receipt management or statistics collection of expenses.

Merchants can reduce the cost of issuing receipts without introducing additional infrastructure and can also shorten the time required for payment. In addition, the credit card information does not remain in the merchant, reducing the risk of theft by malicious third parties, and can clearly hide the responsibility for use.

On the other hand, card companies can reduce the cost of issuing, sending and managing magnetic cards, and solve problems such as card loss, theft and duplication. It is also possible to activate mobile cards without introducing additional infrastructure.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains have various modifications and variations from such descriptions. It is possible. Therefore, the scope of the present invention should not be limited to the described embodiments, but includes not only the claims below, but also equivalents thereof.

100: user
200: mobile terminal
210: mobile credit card payment program
300: credit card merchant
400: credit card terminal
500: communication network
600: VAN company
700: credit card company server
800: mobile credit card payment system server

Claims (12)

Downloading a mobile credit card payment program into a memory of the mobile terminal;
In accordance with the execution of the mobile credit card payment program, authenticating the user at the server of the mobile credit card payment system and issuing a mobile ID mapped 1: 1 with the user;
Storing the mobile ID and the previously issued credit card list in a mobile terminal;
Requesting a payment by a user from a credit card terminal of a credit card merchant through contact / contactless communication or a separate means;
Requesting a payment to a server of a VAN company and a credit card company using the mobile ID and transaction information received from the credit card affiliate store;
Recognizing the mobile ID in the server of the credit card company receiving the payment request and requesting authentication to the server of the mobile credit card payment system;
Verifying the validity of the mobile ID at the server of the mobile credit card payment system and requesting authentication from the mobile terminal of the user mapped to the mobile ID;
Selectively displaying the available credit card list and additional information on the mobile terminal by comparing the transaction information with previously input credit card information;
If a particular credit card is selected from the displayed credit card list, the method comprising the step of controlling the payment is made according to the purchase to the particular credit card credit card service providing method using a mobile terminal.
The method of claim 1, wherein the user's previously issued credit card list is transmitted to a mobile terminal through a server of the mobile credit card payment system.
The mobile ID of claim 1, wherein the mobile ID for a specific credit card or a specific credit card company among the issued mobile IDs is set as a first mobile ID and stored in a server and a mobile terminal of the mobile credit card payment system. Credit card service providing method using a mobile ID and a mobile terminal.
The mobile ID and credit using the mobile terminal according to claim 1, wherein the mobile ID is information for identifying a user and has the same format as an existing magnetic credit card identification number 16 digits or a mobile credit card. How to Provide Card Services.
[4] The method of claim 1, wherein the server of the mobile credit card payment system is configured alone or included in a server of a credit card company.
The method of claim 1, wherein the contact / contactless communication or a separate means is a short range wireless communication means including infrared, NFC, and Bluetooth in addition to the existing RF method, or uses an image code method including a QR code or a barcode. Credit card service providing method using a mobile ID and a mobile terminal, characterized in that.
The credit card service using the mobile ID and the mobile terminal of claim 1, wherein the full text of the payment request received from the mobile terminal from the mobile terminal includes the mobile ID and transaction information. Way.
The mobile credit card payment program of claim 1, wherein the mobile credit card payment program selectively displays additional information available by comparing the credit card inputted with the merchant requesting the transaction. How to provide a credit card service.
The mobile credit card payment program of claim 1, wherein the mobile credit card payment program selectively displays transaction approval details according to a condition input by a user for a transaction completed. How to Provide Services.
A download unit for downloading, installing and managing a mobile credit card payment program;
A memory unit which stores the downloaded mobile credit card payment program and secures and manages a space where credit card information is stored in an internal storage space or a memory of the mobile credit card payment program;
Security unit for combining or processing and encrypting the credit card information and transaction information;
A communication unit capable of transmitting / receiving authentication information with a server of a mobile credit card payment system using a web or a communication network, and transmitting / receiving transaction information with merchants through contact / contactless communication or a separate means;
A control unit which controls the memory unit, the security unit and the communication unit, classifies and processes the information received from the server of the user and the mobile credit card payment system;
The mobile terminal of the mobile credit card payment system comprising a display unit for displaying the contents received from the controller on a screen that can be recognized by the user.
A database unit for storing user information and mobile ID and storing data of a mobile credit card payment system;
A communication unit for receiving a mobile ID and transaction information from a specific credit card company and transmitting the mobile ID and transaction information to a mobile terminal of a mobile credit card payment system or receiving information from the mobile terminal;
A security unit for encrypting / decrypting user information stored in the database unit and information transmitted / received by a mobile credit card payment program;
An authenticator verifying validity of the mobile ID and identifying a mobile terminal mapped to the mobile ID;
And a controller for classifying and storing information based on the contents received from the mobile terminal, and controlling the communication unit, the database unit, and the authentication unit.
A mobile credit card payment system comprising a mobile terminal according to claim 10 and a server according to claim 11.

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