KR20160090930A - Creditcard pared with usim and payment system therewith - Google Patents

Abstract

The present invention relates to a payment method for a mobile service subscriber using an USIM interworking credit card and the USIM interworking credit card wherein an USIM card for a smartphone used for the same. The present invention provides the payment method for the mobile service subscriber using the USIM interworking credit card including: a step of providing the USIM interworking credit card for the mobile service subscriber; a step of paying with the USIM interworking credit card; a step of transmitting payment information to a mobile-service company; a step of determining an approval of the mobile-service company on the payment; a step of transmitting approval information; and a step of billing the mobile service subscriber for the payment using the USIM interworking credit card. Thus, an effect of providing user convenience by enabling the payment with the USIM interworking credit card within a preset limit simultaneously with signing up with the mobile-service company to use a mobile service is obtained.

Description

USIM-linked credit card-based communication service subscriber's payment method and USIM-linked credit card used therefor {CREDITCARD PARED WITH USIM AND PAYMENT SYSTEM THEREWITH}

The present invention relates to a payment method and a credit card used therein, and more particularly, to a payment method of a communication service subscriber using a USIM-linked credit card and a USIM-linked credit card to which a USIM card for a mobile phone is attached .

Electronic payment

IT services, which started with PCs and the Web, are now developing at a faster pace thanks to the spread of mobile devices such as smartphones, and the electronic payment business is growing along with it. Recently, a mobile electronic commerce service appears as an application based on such an environment, and an article is directly purchased in the application. This change is accompanied by a policy of expanding the business channel of the enterprise to the customer, leading to the exponential growth of various e-commerce-enabled applications.

Credit card

Among electronic payment business, credit card which is easy to use and portable is mainly used in the offline store. When a member presents a credit card to a merchant, the merchant reads the magnetic stripe of the card or recognizes the IC chip, and then inputs the payment amount and the installment month number, and the payment request information is transmitted to the card company using a telephone line or an Internet line And inquires whether the card is usable or not, and returns the result and outputs a transaction sales table. Afterwards, the merchant submits the customer's signed slip to the buyer, where the transaction fee is deposited. Approval takes place immediately, but it usually takes several days for the purchase to take place. At this time, for the sake of convenience of processing, a card inquiry is performed through a VAN provider affiliated with a credit card company. VAN uses a credit card (BIN (Bank Identification Number) The issuer is divided into the issuer and the credit card company is inquired and approved. In short, the credit card is recognized by the magnetic or IC chip reader of the credit card reader, and the recognized credit card information is transmitted to the VAN system and the credit card company to request payment approval.

This type of settlement is very familiar to most people, and even if advanced IT technologies are developed, this type of settlement is a reality. This is because it is intuitive and familiar with physical payment methods.

A universal subscriber identity module card (USIM)

The USIM card is a combination of a subscriber identity module (SIM) card with subscriber information and a universal IC card (UICC). The USIM card implements various functions such as user authentication, global roaming, and e-commerce in a single card, (WCDMA) terminal. The USIM card is designed to accommodate smart card applications in other industries as well as communications. Currently, such USIM cards can not be used for payment on-line, but can not provide a payment system linked to existing physical credit cards. Particularly, there is no disclosure about a method in which a communication service provider plays a leading role in connecting a USIM card provided at a stage when a general user contracts a communication service with a communication service provider.

Mobile micropayment and security certification

On the other hand, it is possible to use a certain settlement service as information at the time of subscribing to a communication service, without needing a separate credit card issuance procedure. This is the current commercialized micropayment or mobile payment. This can be said to be a payment method using a communication device of a communication service subscriber. In such a payment method, a security technology is essential accompanied by an authentication method using personal information such as a resident registration number, a method using login information, a method using a security card, an authentication method using an ARS, a one time password (OTP) And a method of verifying whether or not the information is received after sending specific information (SMS, etc.) to the communication device. These problems have a problem in that security accidents can occur due to personal information hijacking by smsing or hacking.

Generally, when a mobile payment user purchases a digital content or an online product on the Internet, the user inputs his / her mobile phone number and personal information, and then inserts the authentication number transmitted to the mobile phone.

For security reasons such as lost accidents, it is common that such settlement is set only for a small amount. The micropayment using a mobile phone has been utilized as a main payment method in various digital contents markets where the fee is high and the settlement cycle is long compared with payment methods such as credit card payment and real-time account transfer, , The number of users is easy to memorize, and ISP (Internet Service Provider) authentication or certificate, such as the certificate does not have to go through the troublesome process can be paid for the advantage of the recent trend is increasing rapidly. However, such mobile credit card payment is not free from the above-mentioned personal information exposure and theft, because the means of transmitting credit card information is changed, and is not familiar with the IT information or is familiar with the communication device It is inconvenient for a non-user than a conventional credit card payment. Basically, the mobile micropayment is limited to the payment using the communication device of the communication service subscriber.

Such security technologies are not only unfamiliar, but also have certain security vulnerabilities. In particular, it seems necessary to provide a function that can solve security problems naturally when two systems (for example, a credit card and a smart phone) are physically present at the same time.

Korean Patent Application Publication No. 10-1258831 discloses a credit payment method for a prepaid mobile electronic money using a credit card prepayment charge, more specifically, A mobile electronic money settlement method in which the amount of usage is linked to a credit card. The above-mentioned patent discloses a method of performing payment by the prepaid card company server in a credit card-linked electronic money payment system comprising a mobile terminal in which a mobile card is embedded, a prepaid card company server, and a credit card company server, It is necessary to install a separate app (APP) in addition to a user's awkwardness by using a mobile terminal in which a mobile card is embedded, without providing a payment means for scratching (recognizing) a conventional terminal. There are difficulties in using by the elderly.

In addition, there has been a problem in that an APP (APP) is separately installed to make a mobile settlement via a credit card company server, and a small amount payment must be made through the authentication method. Therefore, it is possible to use a mobile phone equipped with a USIM-linked credit card and a USIM card so that the service contents of the payment card are not reflected in the server of the card company and the mobile card can be freely moved within a predetermined amount without a procedure for issuing a new card. It is necessary to introduce a system that can be used.

KR Patent Publication (B1) 10-1258831 (Feb.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a convenience to use a credit card within a certain range at the same time as joining a communication service.

In addition, the present invention aims to enable the elderly who are not familiar with IT technology to use the micropayment service as a conventional credit card payment method.

In addition, the present invention provides a variety of settlement means by utilizing a conventional credit card terminal and utilizing a micro settlement service provided by a communication company.

In addition, the present invention provides a method for reducing the exposure process of personal credit information by reducing the issuing procedure and the personal information processing procedure for the use of the conventional mobile card, and performing a more secure and convenient bill settlement.

In addition, the present invention can be applied to a USIM card and a USIM card for enabling a user to conveniently use a service without physical limitation by directly applying and managing the service contents of the card to a USIM card and a USIM interworking card issued for each mobile phone, USIM interworking card.

In addition, the present invention provides a method for enabling a payment service to be freely used both on-line and off-line.

In addition, the present invention is to provide a service for charging the amount of money used with a mobile phone having a USIM card and a USIM card.

In order to achieve the above object, the present invention provides a method for providing a USIM-linked credit card to a communication service subscriber, the method comprising the steps of: providing a USIM card for storing and recognizing communication information of a mobile phone; ; Inserting the USIM card into a smart phone so as to use a communication service; A USIM-linked credit card payment step of inputting the credit card into a credit card payment terminal of a credit card merchant after recognizing the payment amount; A communication company payment information transmission step of transmitting the credit card information recognized in the USIM linked credit card payment step to a communication company; Determining whether or not to approve the settlement of the information transmitted in the communication company's settlement information transmission step in comparison with the credit information of the smartphone user; An approval information transmission step of transmitting the payment approval information to the credit card payment terminal of the credit card merchant when the payment approval is approved in the communication company approval decision step; And a billing step of billing a credit card payment fee linked to a USIM to bill the user of the smartphone to the approved amount.

The credit card may be a magnetic card or an IC chip card.

In the present invention, the authorized amount may be charged together with a communication fee charged to the user of the mobile phone in the charging step of the USIM-linked credit card payment amount.

In the present invention, in the step (S) of providing the USIM interworking credit card to the communication service subscriber, the USIM interworking credit card may include a removable USIM card for a smart phone.

In order to achieve the above object, the present invention is a credit card to which a USIM card for a smart phone is detachably attached, wherein the USIM card is inserted into a credit card to receive a communication service, When the credit card is input to the credit card payment terminal of the credit card merchant and the payment amount is entered and recognized, it is determined whether payment approval And a payment amount is charged to the user of the smartphone when the payment is made.

In order to solve the above-described problems, the present invention provides a method for transmitting and receiving a USIM-related credit card to a communication service subscriber, the method comprising: receiving a USIM card for storing and recognizing communication information of a smartphone; ; A USIM linked credit card payment step of inputting a payment amount to a credit card payment terminal of a credit card merchant; A communication company payment information transmission step of transmitting the credit card information recognized in the USIM linked credit card payment step to a communication company; Requesting the communication service subscriber for confirmation information in order to determine whether to approve payment in comparison with the credit information of the smartphone user, in the step of transmitting the carrier billing information; Confirming, by the communication service subscriber, the USIM interworking credit card and the smart phone through proximity communication according to the step of requesting the confirmation information, and transmitting confirmation information to the communication company; A communication company approval decision step of receiving the confirmation information, verifying the confirmation information, and approving the payment; An approval information transmission step of transmitting the payment approval information to the credit card payment terminal of the credit card merchant when the payment approval is approved in the communication company approval decision step; And a billing step of billing a credit card payment fee linked to a USIM to bill the user of the mobile phone to the approved amount.

According to the present invention, there is an effect of providing a convenience of allowing a credit card to be used within a certain range at the same time as joining a communication service.

According to the present invention, as a part of a service for the ordinary people who do not have a credit card but have a mobile phone, it is possible to make a mobile phone micro settlement of a communication company available in an offline store. If you pay in an offline store with an authentication card (USIM linked credit card) that does not have a credit function associated with a credit card company, you will be provided with a method of linking with a micropayment of a mobile phone. In other words, through the technology, it is possible to provide the convenience of enabling the on-line micropayment method to be used offline via the mobile payment card.

In addition, the present invention has an effect of enabling the elderly who are not familiar with IT technology to use the micropayment service as a conventional credit card payment method.

In addition, the present invention can utilize a micropayment service provided by a communication company using a conventional credit card terminal, thereby diversifying payment means.

In addition, the present invention is not limited to a conventional credit card, and may be used as a credit card only for a small-amount payment without a complicated procedure or a qualification for issuing a credit card as a service for a small- So that convenience is improved.

In addition, since the present invention eliminates the issuance process and the personal information processing procedure for use of the conventional mobile card, it does not need to expose the personal credit information and does not need to communicate with the card management server of the credit card company or reflect the information, Can be reduced. Thereby providing a method of performing a more secure and convenient payment.

In addition, the present invention provides a mobile payment service which is performed only in the conventional online service, so that the mobile payment service can be used only for a small amount of payment even in offline.

In addition, the present invention provides convenience by enabling magnetic settlement using a USIM-linked credit card or IC chip settlement in a place where mobile settlement is impossible, in addition to an affiliated shop where mobile settlement is possible.

In addition, according to the present invention, a user who makes a micropayment using a mobile phone with a USIM interlocking credit card and a USIM card is provided with an efficient payment settlement service through a service charged with a communication amount at a later time.

As a result, through the present invention, it is possible to make a settlement using a credit card using method that is familiar from the prior art without knowing new technology or IT technology that is unfamiliar with it, and to use a payment network of a credit card in the past, A credit payment system can be introduced.

1 is a diagram showing a USIM-linked credit card according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating an authentication procedure using a USIM-linked credit card, which is an embodiment of the present invention.
FIG. 3 is a diagram illustrating a step of joining a communication service for a payment method of a communication service subscriber using a USIM-linked credit card, which is an embodiment of the present invention.
FIG. 4 is a diagram illustrating a payment method step of a subscriber of a communication service using a USIM-linked credit card, which is an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. It is to be understood that the present invention is not limited to the disclosed embodiments, but may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, It is provided to inform.

1 is a diagram illustrating a USIM-linked credit card according to an embodiment of the present invention. As shown in FIG. 1, the USIM card is normally attached to a plate-shaped body made of synthetic resin or the like and supplied to consumers. When the subscriber joins the communication service, the consumer removes the synthetic resin body part of the peripheral synthetic resin and disposes of the body part of the synthetic resin.

Meanwhile, the USIM linked credit card of this embodiment is supplied with a USIM card used for communication service. The USIM linked credit card may be attached to the USIM card as shown in FIG. 1A, or may be supplied separately as shown in FIG. 1B. According to the diagram shown in FIG. 1A, a USIM integrated credit card and a USIM card, which are integrally coupled to each other, are issued and used separately when a user subscribes to a communication service. The upper drawing of FIG. 1A is a view before the card is separated, and the lower drawing is a view after the card is separated. In order to apply the present invention, a new card may be designed as described above. However, there is a method of supplying a USIM-linked credit card separately from the conventional USIM card as shown in FIG.

In this embodiment, one USIM interworking credit card is matched with one USIM card (subscription number of one communication service, one mobile communication number) by 1: 1. However, the present invention is not limited to this, One USIM card may be linked to a credit card, or one USIM credit card may be linked to a plurality of USIM cards. This can be determined after joining or joining a communication service. The USIM linked credit card may be referred to as a membership card, a payment card, and an authentication card.

The USIM linked credit card is the same as a normal credit card. In other words, it has a card number interlocked with a USIM card attached together with a plastic card inserted with magnetic or IC (integrated circuit integrated circuit). Also, the USIM card is inserted into a cellular phone as in the normal case, and the USIM interlocked credit card attached thereto can be carried at any time by carrying it. At this time, the USIM interworking credit card includes a function of making a small payment within a predetermined amount defined by a communication company, and also has an authentication function for interlocking with a USIM card. That is, the USIM interworking credit card is linked to one mobile number that is provided while joining the communication service. The card payment number may be issued at the time of supplying the USIM-linked credit card and may be activated or activated by a call to the USIM. After the interlocking credit card is first supplied, the credit card number is assigned to the USIM interlocking credit card so that the USIM interlocking credit card can be linked to the mobile communication number.

At this time, as shown in FIG. 2, there is a method of using a USIM linked credit card by using a proximity communication method of a smartphone as a method of authentication. That is, when the authentication is requested by the web or the mobile, the smartphone performs authentication of the user by touching the USIM-linked credit card to the smartphone, and the smartphone sends the information of the USIM-linked credit card to the communication company, It is possible to use a method of confirming whether the information and the card information are matched and completing the authentication when the information is matched. This can be utilized as an authentication means for identifying the user at the time of micropayment using the USIM-linked credit card to be described later.

FIG. 3 is a diagram illustrating a communication service subscription step for a payment method of a communication service subscriber using a USIM-linked credit card, which is an embodiment of the present invention.

Hereinafter, a communication service subscription step for a mobile phone payment method in which a USIM interlocking credit card and a USIM card are built according to an embodiment of the present invention will be described in detail with reference to FIG. However, this embodiment is merely an example, and a contract for providing a micropayment service using a USIM linked credit card can be established by various methods, and it should be considered that the present invention is within the scope of the present invention as far as it includes a USIM linked credit card .

Referring to FIG. 3, in the step of joining the communication service of the USIM card of the USIM and the USIM card of the mobile phone, the USIM card of the mobile phone, the server of the communication company, the billing management server which manages the one mobile phone number and the card settlement number, And a credit card number registration procedure using a credit card.

In the USIM card 10 of the cellular phone, the user's information is stored in the communication server 20 of the communication company through the subscription of the communication company by the communication service user.

The USIM card 10 is over-the-air (OTA) (S100). OTA (over the air) opening is a standard for transmitting and receiving information about system registration in a wireless communication system. It is supported by various companies such as Nokia and Smart Trust. It can request subscription order, bank transaction, telephone tone, etc. by using short message (SMS) which can send text message to mobile phone. The applicant accesses the operator's customer center and sends the applicant's name, credit card number, and address.

The USIM card 10 may include a function to settle only a predetermined amount or less based on a predetermined amount set by a communication company.

The communication company manages the server 20 of the communication company and the payment management server 30 in association with each other.

The user who purchased the USIM card 10 goes through the registration step of the USIM-linked credit card 50 issued with the USIM card 10 through the PC (S101).

When the registration step of the USIM linked credit card is completed, a card payment number may be issued (S103). The issued card payment number is linked with the USIM card 10 number registered in the communication company.

The server 20 of the communication company transmits one mobile phone number stored through the USIM card registration to the payment management server (S102), and the issued card payment number information is also transmitted to the payment management server 30 (S103) .

The payment management server 30 includes the registered USIM card 10 number and the portable number information of the user and includes card payment number information before or after registration of the USIM linked credit card. That is, the information is managed by linking the service user's mobile number with the USIM card settlement service.

Meanwhile, a program linked to one mobile phone number and a card settlement number is created to add a program linked to the server of the bank company and the communication company, and the USIM card 10 number and the registered credit card 50 ) May be managed in association with the card number.

4 is a diagram illustrating steps of a payment method of a communication service subscriber using a USIM-linked credit card, which is an embodiment of the present invention. Hereinafter, a mobile phone settlement step with a USIM interlocking credit card and a USIM card according to an embodiment of the present invention will be described in detail with reference to FIG.

Referring to FIG. 3, the payment service progress step is a process between a USIM-linked credit card, a merchant capable of credit card payment, a PG company, a mobile communication company, and a user using a service.

According to an embodiment of the present invention, the user 60 can use the credit card 50 to use the magnetic settlement or the IC chip settlement service through the POS terminal of the merchant 70 (S200).

The merchant 70 displays the payment information using the credit card 50 and transmits the purchase request signal to the PG server 80 in step S201.

Next, the PG server 80 receives and confirms a purchase request signal from the merchant terminal 70, and then transmits a signal to the communication company 20 to request payment.

The signal requesting the purchase includes the information of the cellular phone USIM card 10 and the information of the USIM interworking credit card 50. The signal for requesting the payment includes the purchase commodity information, , Merchant information, and the like may be added.

When making a payment using the USIM interworking credit card 50, even if the terminal of the merchant 70 does not support the function of receiving the purchase request signal of the cellular phone USIM card in the form of RF (Radio Frequency) Service can be provided.

The communication company 90 receives a signal requesting settlement from the PG company 80, transmits a signal requesting payment to the communication company server, confirms the mobile communication company 20, Receives a payment approval signal, and transmits a payment approval signal to the PG company.

The communication company 90 accesses the server 20 of the communication company, confirms the card payment number linked with the mobile phone number, and authenticates the user.

The communication company 90 determines whether the amount to be paid is within the remaining payment limit of the user, and then the payment is processed.

The server 20 of the communication company 90 transmits a signal for approving the settlement, and the PG company server receives the transmitted settlement approval signal (S202) and transmits a settlement approval signal to the terminal of the merchant (S201).

The terminal of the merchant 70 receives a payment approval signal from the PG company 80 (S201), and finally displays the payment result.

The PG company 80 includes all operators who are responsible for relaying a signal for requesting settlement between the merchant terminal 70 and the communication company 90 and a signal for approving settlement.

The PG server 80 is a server of a payment gateway (PG) company that provides various financial services and settlement services by linking a financial institution such as a bank, a shopping mall, and a communication company 90 together. On the other hand, the PG company includes a financial institute that links the flow of funds to each financial institution.

The communication company 90 requests the communication service user 60 together with the payment amount using the USIM interworking credit card within the limit set by the communication company at the time of the next month communication fee settlement.

The user 60 who has been charged the fee may pay the communication fee and the fee for the USIM-linked credit card 50 (S203).

Although the present invention has been described by way of specific embodiments, the present invention is not limited thereto. It is needless to say that modifications and variations are possible within the scope of the technical idea of the present invention.

10: Mobile phone
20: The carrier's server
30: Payment Management Server
40: PC registration, card payment number issued, linked with USIM number
50: USIM linked credit card attached with USIM card
60: USIM linked credit card users
70: Credit card-enabled merchants
80: PG Corporation
90: Telecommunications

Claims (7)

Providing a communication service subscriber with a USIM interworking credit card in which a USIM card for storing and recognizing communication information of a smart phone and a USIM linked to communication information stored in the USIM card are stored;
Inserting the USIM card into a smart phone and registering a USIM interworking credit card to use the communication service;
A USIM linked credit card payment step of inputting a payment amount to a credit card payment terminal of a credit card merchant;
A communication company payment information transmission step of transmitting the credit card information recognized in the USIM linked credit card payment step to a communication company;
Determining whether or not to approve the settlement of the information transmitted in the communication company's settlement information transmission step in comparison with the credit information of the smartphone user;
An approval information transmission step of transmitting the payment approval information to the credit card payment terminal of the credit card merchant when the payment approval is approved in the communication company approval decision step;
And a billing step of charging a USIM-linked credit card payment amount for billing the approved amount to the user of the cellular phone
Subscriber's payment method of communication service using USIM linked credit card.
The method according to claim 1,
The USIM linked credit card is a card containing a magnetic or IC chip,
The card is detachable from the attached USIM card,
The USIM card portion is inserted into the cellular phone, and the USIM-linked credit card is carried, so that the communication service subscriber is usable
Subscriber's payment method of communication service using USIM linked credit card.
The method according to claim 1,
Opening the USIM card to receive information from a communication company server; And registering the USIM interworking credit card in the PC and interworking with the USIM card number and issuing a payment card number; Further comprising the step of managing the settlement information by linking the USIM card and the registered USIM interworking credit card in the settlement management server managed by the communication company server
Subscriber's payment method of communication service using USIM linked credit card.
The method of claim 3,
The payment management server includes a USIM-linked credit card and USIM card information, so that the payment management server can manage the mobile number and the information of the USIM-linked credit card in conjunction with each other
Subscriber's payment method of communication service using USIM linked credit card.
And the approved amount is charged together with the communication fee charged to the user of the smartphone in the charging step of the USIM-linked credit card payment amount
USIM linked credit card payment amount billing method.
A credit card that is detachably attached to a USIM card for smartphones,
The USIM card is inserted into a credit card so as to receive a communication service,
The credit card stores information associated with the communication information stored in the USIM card. When the credit card is recognized after inputting the payment amount to the credit card payment terminal of the credit card merchant, And the payment amount is charged to the user of the mobile phone when the payment is made.
USIM linked credit card.
Providing a communication service subscriber with a USIM interworking credit card in which a USIM card for storing and recognizing communication information of a smart phone and a USIM linked to communication information stored in the USIM card are stored;
A USIM linked credit card payment step of inputting a payment amount to a credit card payment terminal of a credit card merchant;
A communication company payment information transmission step of transmitting the credit card information recognized in the USIM linked credit card payment step to a communication company;
Requesting the communication service subscriber for confirmation information in order to determine whether to approve payment in comparison with the credit information of the smartphone user, in the step of transmitting the carrier billing information;
Confirming, by the communication service subscriber, the USIM interworking credit card and the smart phone through proximity communication according to the step of requesting the confirmation information, and transmitting confirmation information to the communication company;
A communication company approval decision step of receiving the confirmation information, verifying the confirmation information, and approving the payment;
An approval information transmission step of transmitting the payment approval information to the credit card payment terminal of the credit card merchant when the payment approval is approved in the communication company approval decision step;
And a billing step of charging a USIM-linked credit card payment amount for billing the approved amount to the user of the cellular phone
Subscriber's payment method of communication service using USIM linked credit card.

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