KR20160004776A - Method for payment using mobile card and method for issuing mobile card - Google Patents

Abstract

The present invention relates to a payment method using a mobile card and a method for issuing the mobile card. The payment method using a mobile card according to the present invention comprises the steps of: receiving payment request data for the mobile card from a mobile terminal; checking whether a payment can be made based on the payment request data; receiving a one-time authentication number from the mobile terminal; generating authorization request data based on the payment request data if it is verified that the payment can be made and the one-time authentication number is received; transmitting a payment confirmation message to the mobile terminal or a member store terminal; and transmitting the authorization request data to a card company server after the payment confirmation message is transmitted. The present invention may reduce the risk of financial incidents during payment made by using a mobile card, by checking whether the payment is normally made through the exchange of data between a mobile terminal storing the mobile card and a credit information company server and by directly exchanging data with a credit information company and a card company.

Description

TECHNICAL FIELD [0001] The present invention relates to a payment method and a mobile card issuing method using a mobile card,

The present invention relates to a payment method and a mobile card issuing method using a mobile card, and more particularly, to a payment method and a mobile card issuing method using a mobile card, which enables easier card settlement and card issuance using a credit information server ≪ / RTI >

2. Description of the Related Art As wireless communication using a mobile terminal becomes popular, there is a growing interest in a mobile card that stores data about a credit card in a mobile terminal to perform the same function as a real credit card. In the case of using a mobile card, a user can use a desired card through one mobile terminal without having to have a plurality of real credit cards, and it is possible to make settlement more convenient than an actual credit card in online settlement.

In the case of a payment method using a conventional mobile card, there is a disadvantage in that it is not safe for financial accidents due to personal information leakage and hacking. In fact, a case of financial accidents using information of a mobile card obtained by smoothing has appeared, And it is amplifying the anxiety about payment using a card. In addition, the number of mobile card merchants that can use the mobile card in off-line is considerably small, so that it is difficult to actually use the mobile card offline. In addition, there is a problem that maximization of the simplicity of the mobile card can not be maximized because the existing real credit card is required to use the mobile card.

Accordingly, it is possible to provide a settlement method capable of making a secure payment using a mobile card by blocking the outflow of card information and personal information and making payment without using a dedicated terminal for offline mobile card, It is required to develop a method of issuing a mobile card that can securely receive a mobile card.

A problem to be solved by the present invention is to provide a settlement method using a mobile card that can reduce the risk of financial accidents by verifying whether payment is possible through data exchange between a mobile terminal storing a mobile card and a credit information server .

Another problem to be solved by the present invention is to provide a payment method using a mobile card that can activate a mobile card in an offline mode by performing a direct payment request using a mobile terminal of a user stored in the mobile card, Method.

Another object of the present invention is to provide a method of issuing a mobile card which can increase the convenience of a mobile card by issuing a mobile card easily and safely without using a real credit card by using information of a credit information company server.

The problems of the present invention are not limited to the above-mentioned problems, and other problems not mentioned can be clearly understood by those skilled in the art from the following description.

According to an aspect of the present invention, there is provided a payment method using a mobile card, comprising: receiving payment request data through a mobile card from a mobile terminal; determining whether settlement is possible based on payment request data; A step of receiving a disposable authentication number from the mobile terminal, a step of transmitting a payment confirmation message to the mobile terminal or the merchant terminal when it is verified that payment is possible and the disposable authentication number is received, Generating request data, and transmitting the approval request data to the card issuer server after the payment confirmation message is transmitted.

According to another aspect of the present invention, the method further includes generating a disposable authentication number corresponding to the payment request data and transmitting the disposable authentication number to the mobile terminal before receiving the disposable authentication number.

According to another aspect of the present invention, the payment request data includes at least one of a merchant code, payment amount data, a telephone number of the mobile terminal, and account data of the mobile terminal.

According to another aspect of the present invention, the payment request data includes a merchant code, and the verifying step compares the merchant store code stored in advance with the merchant store code to verify whether the merchant store code is included in the merchant store list stored in advance .

According to another aspect of the present invention, the approval request data includes at least one of merchant code, payment amount data, telephone number of the mobile terminal, account data of the mobile terminal, billing request time, personal data, And a control unit.

According to still another aspect of the present invention, the verifying step is characterized by verifying whether payment is possible based on the payment request data, and whether the payment requested amount exceeds the small payment amount.

According to another aspect of the present invention, there is provided a method of managing a payment request, the method comprising: receiving an approval number from a card issuer server when the amount of the payment request exceeds a micropayment amount; transmitting an approval number to the mobile terminal; Further comprising the steps of:

According to another aspect of the present invention, there is further provided a method for receiving authentication approval data corresponding to approval request data from a card issuer server.

According to still another aspect of the present invention, there is provided a mobile communication method including the steps of transmitting authorization confirmation data to a mobile terminal.

According to another aspect of the present invention, the payment request data does not include the card number of the mobile card, the password of the mobile card, and the personal data, but includes the merchant code, payment amount data, Only data is included.

According to still another aspect of the present invention, there is provided a method for managing payment information, the method comprising: storing at least one of payment request data and personal data.

According to another aspect of the present invention, there is provided a payment method using a mobile card, comprising: selecting a mobile card to be used for payment; receiving a merchant code and payment amount data through a QR code or a barcode; , A merchant code, payment amount data, a phone number of the mobile terminal, and account data of the mobile terminal to the credit information company server, and transmitting the payment request data to the credit information company server in response to the payment request data Receiving the disposable authentication number, transmitting the disposable authentication number to the credit information company server, and receiving the payment confirmation message from the credit information company server.

According to an aspect of the present invention, there is provided a method for issuing a mobile card, the method comprising: receiving generation request data of a mobile card from a PC terminal; Determining whether the issuance of the mobile card is possible based on the credit rating confirmation data, transmitting the credit card identification information to the information server, Transmitting the authentication code to the PC terminal, receiving the issuance request data of the mobile card including the authentication code from the mobile terminal, and issuing the mobile card in response to the issuance request data to the mobile terminal. do.

According to another aspect of the present invention, the generation request data includes at least one of personal data, a phone number, an ID of a mobile card, a pin number of a mobile card, and a small settlement amount of a mobile card.

According to still another aspect of the present invention, there is provided a method for authenticating a user, comprising the steps of: receiving identity verification data from a PC terminal and verifying validity of identity verification data.

According to another aspect of the present invention, the step of receiving the generation request data is characterized by receiving generation request data of the mobile card when the identity verification data is valid.

According to another aspect of the present invention, there is provided a method for transmitting a disposable authentication number to a PC terminal or a mobile terminal, and receiving a disposable authentication number from the PC terminal.

According to another aspect of the present invention, the step of transmitting the authentication code is characterized by transmitting the authentication code to the PC terminal when the authentication number is received.

According to another aspect of the present invention, there is further provided a method for transmitting credit card data to a credit information server, the method comprising the steps of: do.

The details of other embodiments are included in the detailed description and drawings.

The present invention verifies whether payment is possible through data exchange between a mobile terminal storing a mobile card and a credit information company, and the credit information company and the card company exchange data, thereby reducing the risk of financial accidents during settlement using a mobile card .

The present invention has an effect of enabling a mobile card usage in an offline mode by directly requesting a payment through a mobile terminal of a user stored in a mobile card without a dedicated terminal for the mobile card.

The present invention provides a method of issuing a mobile card that can increase the convenience of a mobile card by issuing a mobile card easily and safely without using a real credit card by using data of a credit information server.

The effects according to the present invention are not limited by the contents exemplified above, and more various effects are included in the specification.

1 is a schematic block diagram of a system for implementing a payment method using a mobile card according to an embodiment of the present invention.
2 is a flowchart illustrating a payment method using a mobile card according to an embodiment of the present invention.
3 is a flowchart illustrating a payment method using a mobile card according to another embodiment of the present invention.
4 is a schematic block diagram of a system for implementing a mobile card issuing method according to an embodiment of the present invention.
5 is a flowchart illustrating a method of issuing a mobile card according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention, and the manner of achieving them, will be apparent from and elucidated with reference to the embodiments described hereinafter in conjunction with the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as being 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. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims.

Like reference numerals refer to like elements throughout the specification.

It is to be understood that each of the features of the various embodiments of the present invention may be combined or combined with each other partially or entirely and technically various interlocking and driving is possible as will be appreciated by those skilled in the art, It may be possible to cooperate with each other in association.

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

1 is a schematic block diagram of a system for implementing a payment method using a mobile card according to an embodiment of the present invention.

Referring to FIG. 1, a system 1000 for implementing a payment method using a mobile card according to an embodiment of the present invention includes a mobile terminal 200, a credit information server 300, and a credit card company server 400 do. 1, the credit information company server 300 is illustrated as communicating with a single mobile terminal 200 and a single credit card company server 400 for the sake of identification. However, the credit information company server 300 may include a plurality of mobile terminals Lt; RTI ID = 0.0 > 200 < / RTI >

The mobile terminal 200 is a terminal for storing data related to a mobile card, and is a terminal for transmitting and receiving payment request data, a disposable authentication number, and a payment confirmation message to the credit information company server 300. According to an embodiment of the present invention, the mobile terminal 200 can receive authorization confirmation data and the like from the card issuer server 400. The mobile terminal 200 reads a QR code or bar code through an input module built in the mobile terminal 200, and receives the merchant code and payment amount data through the QR code or bar code. The mobile terminal 200 may be a terminal capable of transmitting and receiving data with the credit information company server 300 through a wireless communication network such as a mobile phone and a tablet PC.

The credit information company server 300 is a server that stores merchant code and personal data for identifying a user and transmits and receives payment request data, a disposable authentication number, and payment confirmation message to the mobile terminal 200, Approval request data and approval confirmation data. The credit information company server 300 verifies whether settlement is possible based on the settlement request data received from the mobile terminal 200 and generates approval request data. According to an embodiment of the present invention, the credit information company server 300 may store payment request data and personal data. Card information of the mobile card and personal information of the user are transmitted to the wireless communication network by performing payment through the credit information server 300 in which the merchant code of the merchant providing the personal data of the mobile card user and the merchandise to be settled is stored It is possible to implement a secure payment method from various financial incidents.

Card issuer server 400 is a server that stores card information such as a card number and a password of a mobile card and personal data of a mobile card user, and transmits and receives approval request data and approval confirmation data to the credit information company server 300. Although not shown in FIG. 1, according to an embodiment of the present invention, the card issuer server 400 may transmit approval confirmation data or the like to the mobile terminal 200. The credit card company server 400 determines whether or not to approve the settlement through the approval request data received from the credit information company server 300. If the credit approval server 400 receives approval approval data from the credit information company server 300 or the mobile terminal 200, And an approval number.

Here, attention should be paid to the order of communication and the order of settlement between the credit information server 300 and the mobile terminal 200. The credit information company server 300 verifies that settlement is possible based on the settlement request data received from the mobile terminal 200 and after receiving the disposable authentication number from the mobile terminal 200, The payment confirmation message is transmitted to the mobile terminal 200 before receiving the payment confirmation message, thereby enabling the payment using the mobile card to be performed easily, quickly, and securely.

2 is a flowchart illustrating a payment method using a mobile card according to an embodiment of the present invention. Will be described with reference to the configuration and reference numerals of Fig.

The payment method using the mobile card according to the embodiment of the present invention is started by the credit information server 300 receiving payment request data for the mobile card from the mobile terminal 200 at step S110. The " payment request data " described in the present specification is data including data on a merchandise to be paid and data confirming that the user is a mobile card user, and is a data which is required for the credit information company server 300 to determine whether or not payment is possible Quot; The credit information company server 300 can receive the payment request data for the mobile card from the mobile terminal 200 storing the mobile card to be paid through the wireless communication network. That is, the credit information company server 300 directly receives the payment request data from the mobile terminal 200 of the user rather than the terminal of the merchant providing the goods to be settled.

According to an embodiment of the present invention, the payment request data includes at least one of a merchant code of a merchant providing a payment target product, payment amount data of a payment target product, a telephone number of the mobile terminal 200 storing the mobile card, May be generated in the mobile terminal 200 including one or more of the account data of the mobile terminal 200. Preferably, the payment request data may include both a merchant code, payment amount data, a telephone number of the mobile terminal 200, and account data of the mobile terminal 200. The payment request data may include data such as an ID of a mobile card and a pin number of a mobile card that can identify a mobile card that the user wants to use among the mobile cards stored in the mobile terminal 200 . The "merchant code" described in the present specification is a unique code assigned to a merchant of a mobile card. When the payment method according to the embodiment of the present invention is used, the payment request data is received through the mobile terminal of the user rather than the merchant terminal It is a code that is assigned to identify the merchant to receive payment later. According to an embodiment of the present invention, the payment request data may not include the card number of the mobile card, the password of the mobile card, and the user's personal data. Since the above-mentioned data is not included in the settlement request data, even if the credit information server 300 receives the settlement request data through the wireless communication network, it is possible to prevent the aforementioned data from being leaked during reception.

The credit information company server 300 verifies whether settlement is possible based on the settlement request data (S120). The credit information company server 300 verifies whether settlement is possible with the mobile card stored in the mobile terminal 200 that has transmitted the settlement request data based on the settlement request data received from the mobile terminal 200. [ Since the credit information company server 300 stores personal information of the user, the credit information company server 300 transmits the payment request data and the payment request data using the personal data and the account data of the mobile terminal, for example, It is possible to verify whether payment can be made with the relevant mobile card.

According to an embodiment of the present invention, the credit information company server 300 compares the merchant code list included in the payment request data with the merchant store list stored in advance in the credit information server 300, and stores the merchant code in the merchant store list Can be verified. It is possible to prevent the credit information company server 300 from making a settlement on a route other than the franchisee of the mobile card by verifying whether or not the merchant code is included in the merchant store list stored in advance.

According to an embodiment of the present invention, the credit information company server 300 may generate the disposable authentication number corresponding to the payment request data and transmit the disposable authentication number to the mobile terminal 200 (S130). The credit information company server 300 generates an arbitrary disposable authentication number corresponding to receipt of the payment request data from the mobile terminal 200 and transmits the generated disposable authentication number to the mobile terminal 200 in which the mobile card is stored .

According to an embodiment of the present invention, the credit information company server 300 may store one or more data of the settlement request data and the personal data. The credit information company server 300 may store data such as a payment request time at which the disposable authentication number and the payment request data are received in addition to the payment request data and the personal data.

The credit information company server 300 receives the disposable authentication number from the mobile terminal 200 (S140). The credit information company server 300 receives the disposable authentication number input to the mobile terminal 200 that has received the disposable authentication number from the credit information company server 300. In this case, the credit information company server 300 receives the same authentication number as the transmitted one-time authentication number. The credit information server 300 and the mobile terminal 200 transmit and receive the one-time authentication number, thereby preventing the settlement of the settlement request data from other terminals other than the mobile terminal 200 in which the mobile card is stored.

The credit information company server 300 transmits a payment confirmation message to the mobile terminal 200 or the merchant terminal when it is verified that payment is possible and receives the disposable authentication number (S150). The credit information company server 300 can verify whether settlement is possible without going through the card issuer server 400. Therefore, it is verified that the settlement is possible based on the settlement request data in step S120, and in step S130, If the same disposable authentication number is received from the mobile terminal, the credit information company server 300 transmits a payment confirmation message to the mobile terminal 200 or the merchant terminal before confirming approval from the credit card company server 400 Thereby enabling easy and quick settlement and safe transaction.

The credit information company server 300 generates authorization request data based on the payment request data (S160). The credit information company server 300 can generate approval request data from the payment request data and the data stored in the credit information company server 300 when it is verified that settlement is possible and receives the disposable authentication number. The " approval request data " described in this specification refers to data that the card issuer server 400 requests to finally approve the settlement. 2, the approval request data is generated after the payment confirmation message is transmitted. However, the present invention is not limited to this, and the approval request data may be generated before the payment confirmation message is transmitted .

According to one embodiment of the present invention, the authorization request data may include one or more of merchant code, payment amount data, phone number of the mobile terminal, account data of the mobile terminal, time of payment request and virtual card number of the mobile card have. Preferably, the authorization request data may include both the merchant code, the payment amount data, the phone number of the mobile terminal, the account data of the mobile terminal, the payment request time, and the virtual card number of the mobile card. The approval request data may include data included in the received payment request data, a payment request time for indicating when the payment has occurred, and a virtual card number that is separately generated so that the actual card number of the mobile card is not leaked. According to an embodiment of the present invention, the approval confirmation data may not include the card number of the mobile card, the password of the mobile card, and the personal data of the mobile card recipient. Since the above-mentioned data is not included in the payment request data, even if the card issuer server 400 receives the approval request data through the communication network, it is possible to prevent the aforementioned data from being leaked during reception.

After the payment confirmation message is transmitted, the credit information company server 300 transmits the generated approval request data to the card issuer server 400 through the communication network (S170). The credit information company server 300 transmits the approval request data to the credit card company server 400 and receives payment approval message from the credit card company server 400 to confirm that settlement is possible with the mobile terminal 200 or the merchant terminal Accordingly, the payment method using the mobile card according to the embodiment of the present invention can perform settlement in a quick and simple process compared to the conventional settlement methods. 1 and 2, the credit information company server 300 transmits authorization request data directly to the credit card company server 400. However, the authorization request data is not limited to the credit information company server 300, And may be transmitted to the card issuer server 400 via another server such as the Internet.

According to an embodiment of the present invention, the credit information company server 300 may receive the approval confirmation data corresponding to the transmitted approval request data from the credit card company server 400 (S180). The approval confirmation data is data received from the card issuer server 400 for approval confirmation when it is confirmed that the payment can be made based on the approval request data in the card company server 400. [ 1 and 2, the credit information company server 300 directly receives the approval confirmation data from the credit card company server 400. However, the present invention is not limited to this, Or from another server such as a broadcast server or the like. According to an embodiment of the present invention, the credit information company server 300 may transmit the received approval confirmation data to the mobile terminal 200 (S190). According to an embodiment of the present invention, the step (S 190) of transmitting the approval confirmation data to the mobile terminal 200 by the credit information company server 300 may be omitted.

According to one embodiment of the present invention, the credit information company server 300 can verify whether the settlement request amount exceeds the micropayment allowable amount based on the settlement request data. The credit information company server 300 can compare the settlement amount data included in the settlement request data with a predetermined small amount settlement amount. The micropayment amount can be preset by the user of the mobile card.

According to an embodiment of the present invention, when it is verified in step S120 that the settlement request amount exceeds the micropayment allowable amount, the credit information company server 300 receives the approval number from the credit card company server 400, And transmits the approval number to the mobile terminal 200 and receives the approval number from the mobile terminal 200. The credit information company server 300 may receive the approval number from the credit card company server 400 via another server such as a van's server. The credit information company server 300 makes the settlement possible through a relatively simpler procedure when the settlement request amount is less than or equal to the micropayment amount, and if the settlement amount exceeds the micropayment amount, The payment can be made when the received approval number is the same as the approval number received from the mobile terminal 200, thereby making it possible to more effectively prevent a financial accident for an amount exceeding the micropayment amount.

3 is a flowchart illustrating a payment method using a mobile card according to another embodiment of the present invention. Will be described with reference to the configuration and reference numerals of Fig.

A payment method using a mobile card according to an embodiment of the present invention starts by selecting a mobile card to be used for payment by the mobile terminal 200 (S210). The mobile terminal 200 may select a mobile card by executing an application for a mobile card to be used for payment among a plurality of mobile cards, or may select one of a plurality of mobile cards from an application.

The mobile terminal 200 receives the merchant code and the payment amount data through the QR code or the bar code (S220). The mobile terminal 200 can receive the merchant code and the payment amount data by reading the QR code or bar code in which the merchant code and the payment amount data are recorded through an input module such as a camera built in the mobile terminal 200. [ That is, the mobile terminal 200, which is not the exclusive terminal of the merchant for the mobile card but stores the mobile card, receives the merchant code and payment amount data, and then the mobile terminal 200 transmits the merchant code and payment amount data To the credit information company server 300, a dedicated terminal of the merchant for the mobile card is not required for settlement, so that the use of the mobile card in the offline mode can be activated.

The mobile terminal 200 transmits the payment request data including at least one of the merchant code, payment amount data, phone number of the mobile terminal, and account data of the mobile terminal to the credit information company server 300 at step S230. According to an embodiment of the present invention, the payment request data may not include the card number of the mobile card, the password of the mobile card, and the personal data of the mobile card user.

The mobile terminal 200 receives the disposable authentication number from the credit information server 300 in response to the transmitted payment request data (S240).

The mobile terminal 200 transmits the received disposable authentication number to the credit information company server 300 (S250). The mobile terminal 200 may receive the disposable authentication number received through an input module such as a hardware keyboard or a soft keyboard built in the mobile terminal 200 and may transmit the disposable authentication number to the credit information company server 300.

The mobile terminal 200 receives a settlement confirmation message from the credit information company server 300 (S260). The mobile terminal 200 can receive the settlement confirmation message transmitted from the credit information company server 300 when it is verified that settlement is possible in the credit information company server 300 as described above.

According to an embodiment of the present invention, the mobile terminal 200 receives the credit information server 300 from the credit card company server 400 directly or from the credit card company server 400 in response to the approval request of the credit information company server 300 (S270). ≪ / RTI > According to an embodiment of the present invention, the step S270 of receiving the approval confirmation data by the mobile terminal 200 may be omitted.

4 is a schematic block diagram of a system for implementing a mobile card issuing method according to an embodiment of the present invention.

4, a system 2000 for implementing a mobile card issuing method according to an embodiment of the present invention includes a PC terminal 100, a mobile terminal 200, a credit information server 300, 400).

The PC terminal 100 is a terminal for issuing a request for issuing a mobile card, and is a terminal for transmitting / receiving generation request data, an authentication code, etc. to the card issuer server 400. The PC terminal 100 may be a terminal capable of transmitting and receiving data to and from the card issuing server 400 through a wired / wireless communication network such as a desktop, a notebook, and a tablet PC.

The credit information company server 300 is a server that stores personal data of a user to be issued a mobile card, and transmits and receives creation request data, credit rating confirmation data, and mobile card issuance completion data to the credit card company server 400. According to an embodiment of the present invention, the credit information company server 300 may store the issuance completion data of the mobile card.

The card issuer server 400 receives the issuance request of the mobile card, determines whether or not the issuance of the mobile card is possible, issues a mobile card, transmits and receives the generation request data and the authentication code to the PC terminal 100, Transmits the authentication code, the issuance request data, and the issued mobile card data to the terminal 200, and transmits and receives the generation request data and the credit rating confirmation data to the credit information company server 300. The card issuer server 400 exchanges data with the credit information company server 300 in response to the request for generating a mobile card so that the convenience of the mobile card can be increased by issuing the mobile card easily and safely.

5 is a flowchart illustrating a method of issuing a mobile card according to an embodiment of the present invention. Will be described with reference to the configuration and reference numerals of FIG. 4 for convenience of explanation.

The method of issuing a mobile card according to an embodiment of the present invention starts when the card issuer server 400 receives creation request data of a mobile card from the PC terminal 100 (S310). The " creation request data " described in this specification refers to data including personal personal data of the issuer of the mobile card and data for the mobile card to be issued. According to an embodiment of the present invention, the generation request data includes at least one of the personal data of the issuer of the mobile card, the telephone number, the ID of the mobile card, the pin number of the mobile card, and the micro- . The generation request data can be input to the PC terminal 100 through the input module incorporated in the PC terminal 100. The input generation request data is transmitted from the PC terminal 100 to the card issuer server 400 via the wired / wireless communication network do.

According to an embodiment of the present invention, the card issuer server 400 may receive the personal identification data from the PC terminal 100 and verify the validity of the personal identification data. For example, the card issuer server 400 receives the personal identification data, which can authenticate the user, such as a public key, an IPIN or a resident registration number from the PC terminal 100, and determines whether the received personal identification data is valid Can be verified. According to an embodiment of the present invention, when the identity verification data is valid, the card issuer server 400 may receive the creation request data of the mobile card.

The card issuer server 400 transmits at least a part of the generated request data to the credit information server 300 through the communication network for checking the credit rating (S320). The credit card company server 400 transmits the received personal card data of the mobile card issuance requester to the credit information company server 300 and transmits the credit card issuer's credit rating using the personal data transmitted from the credit information company server 300 Can be confirmed.

The card issuer server 400 receives the credit rating confirmation data generated based on the generation request data from the credit information company server 300 (S330). The " credit rating confirmation data " described in this specification refers to data that contains information related to the credit rating of the mobile card issuance requester and can determine whether or not issuance of the mobile card is possible based on the information.

The card issuer server 400 determines whether or not the mobile card can be issued based on the received credit rating data (S340). The card issuer server 400 compares the received credit grade confirmation data with the issuance criteria of a predetermined mobile card to determine whether or not the credit card of the mobile card issuance requestor meets a preset criterion to determine whether or not the mobile card can be issued have.

According to an embodiment of the present invention, when it is determined that issuance of the mobile card is possible, the card issuer server 400 transmits the disposable authentication number to the PC terminal 100 or the mobile terminal 200, A disposable authentication number can be received. The card issuer server 400 can transmit the disposable authentication number to the PC terminal 100 that has transmitted the generation request data or the mobile terminal 200 having the telephone number described in the generation request data. The card issuer server 400 may receive the disposable authentication number from the PC terminal 100 and compare the disposable authentication number with the received disposable authentication number.

When it is determined that issuance of the mobile card is possible, the card issuer server 400 transmits the authentication code to the PC terminal 100 (S350). The authentication code may be, for example, a code such as a QR code, a bar code or any serial number. According to an embodiment of the present invention, when the card issuer server 400 receives the disposable authentication number from the PC terminal 100, it may transmit the authentication code to the PC terminal 100. [

The card issuer server 400 receives the issuance request data of the mobile card including the authentication code from the mobile terminal 200 (S360). The card issuer server 400 receives an issuance request including an authentication code read or input from an input module such as a camera, a hardware keyboard, and a soft keyboard built in the mobile terminal 200 from the mobile terminal 200 for storing the mobile card And receive request data. For example, the card issuer server 400 may receive the issued issuance request data including the QR code photographed by the mobile terminal 200 using the camera of the mobile terminal 200. [

Card issuer server 400 issues the generated mobile card to mobile terminal 200 in response to the received issuance request data (S370). That is, the card issuer server 400 checks whether the authentication code included in the issuance request data is the same as the authentication code transmitted to the mobile terminal 200 by the card issuer server 400, and if the same, To the terminal 200.

According to one embodiment of the present invention, after the mobile card is issued, the card company server 400 transmits the issuance information of the mobile card to the credit information company server 300 so that the issuance contents are stored in the credit information company server 300 can do. The issuing information of the mobile card is stored in the credit information server 300 so that the payment method using the mobile card according to the above-described embodiments can be implemented. That is, the advantageous effect of the present invention can be obtained that a simple, fast and secure payment can be made through the payment method using the mobile card using the issuing information of the mobile card stored in the credit information company server 300.

It is possible to provide a mobile card issuing method capable of increasing the convenience of the mobile card by issuing the mobile card easily and safely without using the real credit card by using the data of the credit information server through the above embodiments An advantageous effect is obtained.

In this specification, each block or each step may represent a part of a module, segment or 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.

The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. The software module may reside in a RAM memory, a flash memory, a ROM memory, an EPROM memory, an EEPROM memory, a register, a hard disk, a removable disk, a CD-ROM or any other form of storage medium known in the art. An exemplary storage medium is coupled to the processor, which is capable of reading information from, and writing information to, the storage medium. Alternatively, the storage medium may be integral with the processor. The processor and the storage medium may reside within an application specific integrated circuit (ASIC). The ASIC may reside within the user terminal. Alternatively, the processor and the storage medium may reside as discrete components in a user terminal.

Although the embodiments of the present invention have been described in detail with reference to the accompanying drawings, it is to be understood that the present invention is not limited to those embodiments and various changes and modifications may be made without departing from the scope of the present invention. . Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. Therefore, it should be understood that the above-described embodiments are illustrative in all aspects and not restrictive. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

100: PC terminal
200: mobile terminal
300: credit information server
400: card issuer server
1000: System for implementing payment method using mobile card
2000: System for implementing mobile card issuing method

Claims (20)

Receiving payment request data via a mobile card from a mobile terminal;
Verifying whether settlement is possible based on the settlement request data;
Receiving a disposable authentication number from the mobile terminal;
Transmitting a payment confirmation message to the mobile terminal or the merchant terminal when the payment is verified to be valid and the disposable authentication number is received;
Generating approval request data based on the payment request data; And
And transmitting the approval request data to a card company server after the payment confirmation message is transmitted. The method according to claim 1,
Before receiving the disposable authentication number,
Further comprising generating the disposable authentication number corresponding to the payment request data and transmitting the disposable authentication number to the mobile terminal. The method according to claim 1,
The payment request data includes:
A merchant code, payment amount data, a telephone number of the mobile terminal, and account data of the mobile terminal. The method of claim 3,
Wherein the payment request data includes a merchant code,
Wherein the verifying step comprises:
Comparing the pre-stored merchant list with the merchant code to verify whether the merchant code is included in the pre-stored merchant store list. The method according to claim 1,
Wherein the approval request data includes at least one of a merchant code, payment amount data, a phone number of the mobile terminal, account data of the mobile terminal, a payment request time, and a virtual card number of the mobile card. Payment method using mobile card. The method according to claim 1,
Wherein the verifying step comprises:
And verifying whether or not the settlement is possible based on the settlement request data and whether the settlement request amount exceeds the small amount settlement amount. The method according to claim 6,
If the settlement request amount exceeds the micropayment amount,
Receiving an authorization number from the card issuer server;
Transmitting the authorization number to the mobile terminal; And
Further comprising the step of receiving the authorization number from the mobile terminal. The method according to claim 1,
Further comprising the step of receiving approval approval data corresponding to the approval request data from the card company server. 9. The method of claim 8,
Further comprising transmitting the approval confirmation data to the mobile terminal. The method of claim 3,
The payment request data includes:
The payment information includes only the merchant code, the payment amount data, the telephone number of the mobile terminal, and the account data of the mobile terminal, without including the card number of the mobile card, the password of the mobile card and the personal data. Payment method using card. The method according to claim 1,
Further comprising the step of storing at least one of the payment request data and the personal data. Selecting a mobile card to be used for payment;
Receiving merchant code and payment amount data via a QR code or bar code;
Transmitting payment request data including at least one of merchant code, payment amount data, telephone number of the mobile terminal and account data of the mobile terminal to the credit information company server;
Receiving a disposable authentication number from the credit information server in response to the payment request data;
Transmitting the disposable authentication number to the credit information company server; And
And receiving a payment confirmation message from the credit information company server. 13. The method of claim 12,
The payment request data includes:
The payment information includes only the merchant code, the payment amount data, the telephone number of the mobile terminal, and the account data of the mobile terminal, without including the card number of the mobile card, the password of the mobile card and the personal data. Payment method using card. Receiving creation request data of a mobile card from a PC terminal;
Transmitting at least a portion of the generation request data to a credit information company for credit rating verification;
Receiving credit rating confirmation data from a credit information company server;
Determining whether the mobile card can be issued based on the credit rating data;
Transmitting an authentication code to the PC terminal if it is determined that issuance of the mobile card is possible;
Receiving issuance request data of the mobile card including the authentication code from the mobile terminal; And
And issuing the mobile card in response to the issuance request data to the mobile terminal. 15. The method of claim 14,
The generation request data includes:
Wherein the mobile card issuing method includes at least one of personal data, telephone number, ID of the mobile card, pin number of the mobile card, and microcredit amount of the mobile card. 15. The method of claim 14,
Further comprising the step of verifying the validity of the identity verification data by receiving the identity verification data from the PC terminal. 17. The method of claim 16,
Wherein the step of receiving the generation request data comprises:
And if the identity verification data is valid, receiving the generation request data of the mobile card. 15. The method of claim 14,
Transmitting a disposable authentication number to the PC terminal or the mobile terminal; And
Further comprising the step of receiving the disposable authentication number from the PC terminal. 19. The method of claim 18,
Wherein the transmitting the authentication code comprises:
And when the authentication number is received, transmitting the authentication code to the PC terminal. 15. The method of claim 14,
Further comprising the step of transmitting the issuance data of the mobile card to the credit information server so that the issued content of the mobile card is stored in the credit information server after the issuance of the mobile card, .

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