WO2011034311A2

WO2011034311A2 - Method for providing a security-enhanced card payment service

Info

Publication number: WO2011034311A2
Application number: PCT/KR2010/006144
Authority: WO
Inventors: 서용수
Original assignee: 주식회사 솔버스
Priority date: 2009-09-15
Filing date: 2010-09-09
Publication date: 2011-03-24
Also published as: WO2011034311A3; KR20110029478A

Abstract

According to the present invention, a method for providing a security-enhanced card payment service comprises: a step in which a VM installed in a customer terminal is driven to output one or more pieces of card information to be used in a card payment to a screen display means of the customer terminal; a step in which alternative identification information corresponding to the selected card information and price information are transmitted to a service server; and a step in which the service server transmits the alternative identification information and price information transmitted in the previous step to a card company server to make a request for approval for the transaction, and notifies the result of approval to a store terminal and to the customer terminal upon receipt of the approval from the card company server. According to the present invention, the personal information of the customer, card information, or the like is prevented from being revealed not only to entities selling goods (or services) such as card affiliate stores, sellers, online shopping malls, or the like, but also to the servers which mediate transactions, thus effectively preventing general security problems involving conventional transactions using credit cards. Further, according to the present invention, purchasers may purchase goods or services without restrictions on time and space, thus activating and enabling easy transactions using credit cards and providing user convenience.

Description

How to provide self-payment service

The present invention relates to a method for providing a card payment service, and more particularly, to a method for providing a self-payment card service configured to allow a card payment to be made using a customer's own mobile terminal so that a customer can be a main agent of a credit card. It is about.

In 2007, the average daily use of credit cards reached 951 million, and the amount of use of credit cards is increasing explosively, reaching an average of KRW 1.1 trillion.

The increase in the number of credit card usage is due to the diversified usage environment. In other words, what has been used only in stores equipped with credit card terminals is that today, the system has been established that can be used conveniently online, card holders can use the credit card anywhere online and offline conveniently It became.

As the usage environment of credit cards is diversified, the damage cases also appear in various forms. The most common damage cases are the damages caused by the loss of the card offline, and the damage cases when the card information is exposed to third parties when using the credit card online are also introduced as advanced damage cases.

More specifically, with the development of technology, various hacking technologies, for example keyboard hacking technologies, have been developed. These keyboard hacking technologies are used to infiltrate card users' computer terminals and hack card numbers and passwords. Since the hacked information is used for small payments that do not require identity verification, credit card holders are inadvertently harmed.

Another example of damage is to steal the card user's access information (ID and password), access the homepage of the shopping mall payment agency (PG), read the credit information, combine and complete 16 digits of the card number, and then use the vulnerability of the credit card payment system. The damage case of charging and withdrawing cyber money by using it is also introduced.

A common cause of the damage cases exemplified above is that information such as a card number is exposed to a third party or stored and managed in a third party's system. Therefore, if the card payment can be made without providing the card information to the third party, it will be possible to prevent the above-mentioned damages in advance.

Furthermore, delivery and door-to-door vendors support card payment services using remote payment methods due to the nature of their business. In this case, in order to facilitate the payment of consumers, the remote payment means should be provided to each delivery person or visiting seller. Therefore, if the introduction of the system that can be made card payment without the remote payment means will be able to reduce the operating cost.

The present invention has been made to solve the above problems in the background as described above, self-payment card using a mobile communication terminal that can directly perform the self-payment by consumers to minimize the damage caused by the provision or exposure of card information The purpose is to provide a service providing method.

Furthermore, the present invention provides a service method with improved security of personal information by configuring personal information, etc. not to be exposed to not only merchants but also subjects who operate the service, and provides convenience, user accessibility, economical efficiency, and the like. It is an object to provide a further improved service method.

Other objects and advantages of the present invention will be described below and will be appreciated by the embodiments of the present invention. In addition, the objects and advantages of the present invention can be realized by the configuration and combination of configurations shown in the claims.

Self-card payment service providing method of the present invention for achieving the above object is a client terminal access step by the WAP (WAP) access code and the merchant code to the service server; A transaction information receiving step, wherein the service server receives from the customer terminal an alternative identification information and a price information corresponding to the card information to be used for self-payment by a swap connection; And the service server transmits the transferred identification information and price information to the card company server so that the card company server can approve the card transaction using the card information of the customer stored in the card company server in association with the substitute identification information. Request for transaction approval by sending, and the result is configured to include a result notification step of notifying the approval result to the predetermined terminal and the customer terminal of the merchant.

In order to implement a more preferred embodiment of the transaction information receiving step of the present invention, when the customer terminal is connected to the service server is mounted on the customer terminal (VM) is one or more cards to be used for self-payment card An output step of outputting information to the screen display means of the customer terminal; And transmitting the identification information and the payment information corresponding to the selected card information to the service server when one of the output one or more card information is selected.

Here, the virtual machine (VM) may be configured to be driven only when a password for driving the MB input from a user is authenticated after the customer terminal is connected to the service server. The outputting step may be configured to further output affiliate store information corresponding to the affiliate store code transmitted from the service server.

In addition, the replacement identification information may be configured to be stored in the customer terminal and the card company server in association with the card information to be used for self-payment card at the time of membership registration.

On the other hand, the self-card payment service providing method according to another aspect of the present invention comprises a request signal input step of inputting a payment request signal including telephone number information and price information of the customer terminal from the merchant; SM transmission step of transmitting a URL call back SMS (URL call back SMS) connected to the service server to the customer terminal of the payment request signal; An access step of the client terminal accessing a service server through the UL callback SM; When the customer terminal is connected to the service server, the VM (VM) mounted on the customer terminal is driven to display one or more card information to be used for self-card payment and the price information transmitted from the service server. An output step of outputting by means; A transmission step in which, when one of the output one or more card information is selected, alternative identification information corresponding to the selected card information is transmitted to the service server by a WAP; And a result notification step of transmitting, by the service server, the transferred alternative identification information and the price information to a card company server to request a transaction approval, and notifying a predetermined terminal of the affiliate store and the customer terminal of the approval result when the approval is completed. It can be configured to include.

According to the present invention, a user who wants to perform a card transaction by overcoming a conventional card transaction execution method through a medium of credit information such as receiving and processing card information of a merchant (including an online sales server) that provides goods or services, etc. Through the communication terminal, any action on the card transaction can be carried out conveniently and independently.

Therefore, card payment can be made without providing card information to third parties such as merchants as well as intermediary servers that mediate card transactions. As a result, user-oriented card transactions are performed by a ubiquitous environment that is not limited to space and time. Not only that, but also various effects caused by the exposure of the card information can be prevented in advance.

In addition, when a transaction is performed, data on the card information is not transmitted and received, and the virtual card number, which is an identification information corresponding to the card information, is transmitted and received as data, thereby coping robustly even if a hacking occurs. Through such a configuration, it is possible to provide an effect that the level of transaction security can be further enhanced without impeding the convenience or simplicity of the transaction.

In addition, when the card payment according to the present invention is made, the user (buyer) can be connected to the service server which is an intermediary server according to the present invention by using URL callback SMS (user's accessibility and ease of use). Can be further promoted.

In addition, by operating the service providing method according to the present invention based on the VM to improve the GUI (Graphic User Interface) environment to the user, by configuring only the data transmitted through the drive of the VM is received by the data communication, such as WAP, user convenience Of course, it is possible to further improve the cost of using the service of the present invention can be significantly lowered and more economical operation is possible.

Furthermore, the present invention eliminates the need for payment terminals that need to be distributed to a delivery or visiting sales person because a customer who is a cardholder can perform payment by himself or herself without the help of an affiliated terminal for card payment of an affiliate. Reduce the operating costs for employees to purchase equipment.

The following drawings, which are attached to this specification, illustrate exemplary embodiments of the present invention, and together with the detailed description of the present invention serve to further understand the technical spirit of the present invention, the present invention includes matters described in such drawings. It should not be construed as limited to.

1 is a schematic diagram showing a configuration for a self-payment system according to an embodiment of the present invention,

2 is a block diagram illustrating a configuration of a service server for performing a self-payment service method according to an embodiment of the present invention;

3 is a flowchart illustrating a process of a self-payment service method according to an embodiment of the present invention;

4 is a flowchart illustrating a member registration process for a self-payment service according to a preferred embodiment of the present invention;

5 is a view for explaining the process illustrated in FIG. 4 based on a user interface environment;

FIG. 6 is a diagram illustrating a self-payment service method according to a preferred embodiment of the present invention shown in FIG. 3 with reference to a user interface environment;

7 is a flowchart illustrating a process of a self-card payment method according to another preferred embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Prior to this, terms or words used in the present specification and claims should not be construed as being limited to the common or dictionary meanings, and the inventors should properly explain the concept of terms in order to best explain their own invention. Based on the principle that can be defined, it should be interpreted as meaning and concept corresponding to the technical idea of the present invention.

Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiment of the present invention and do not represent all of the technical idea of the present invention, various modifications that can be replaced at the time of the present application It should be understood that there may be equivalents and variations.

The card described in connection with the embodiment of the present invention is a personal information or credit information or the like so as to perform the purchase of goods or services, financial transactions, registration, etc. using the user's personal information or credit information, etc. Means a card that is ignited in the medium, it should be interpreted as not limited to the name, such as credit card, check card or membership card. In addition, the affiliated store is to be understood as a concept that includes both on-line and off-line as an element representing the subject providing the goods or services.

First, a system configuration in which the self-payment service providing method according to the present invention is implemented will be briefly described with reference to FIG. 1.

Referring to FIG. 1, a customer who is a card holder obtains a swap access code and merchant identification information (ID) for using a service according to the present invention from an affiliate store 20 representing an offline store such as a shopping mall, a restaurant, a school, or the like. By using its terminal to the service server 100 which is a relay server operating the card payment service according to the present invention.

The " swappable access code " is referred to as a service number or service unique code, and can generally be made up of one or more of special characters, symbols or numbers, such as "# 123", or a combination of various types thereof. In addition, the service server 100 refers to a server access number that can be connected to the service server, such as the WAP according to the present invention given by the operator network operator.

The swap access code or affiliated store identification information may be delivered to the customer through a telephone inquiry, or may be exposed to the customer through an online or offline advertisement or guide.

The service server 100 of the present invention accesses the merchant information corresponding to the affiliated store identification information transmitted by the customer terminal 10, which is the mobile terminal of the customer used for card payment, from the DB to access the customer terminal 10. ) Can be configured to allow customers (buyers) to verify that the merchant entered by them is correct.

Based on the above method, the present invention transmits card information, etc. to be used for a card transaction, to the card company server 30 through the service server 100 by the customer terminal 10 connected to the service server 100. The card information is configured to be transmitted through a method not directly exposed. Detailed and detailed description thereof will be described later.

As a subsequent process of the above process, the card company server 30 proceeds with the approval process for the card transaction using the transmitted information, etc., the approval result is the customer terminal 10 through the service server 100 according to the present invention; Or / and transmitted to the affiliated store 20, etc., a series of card payment service processes are performed.

As described with reference to FIG. 1, the method for providing a self-card payment service according to the present invention basically involves an affiliate store occupying a credit card or storing credit card information in the form of data, etc. in connection with a card transaction. Card payment is made without performing a special action for.

That is, a buyer can perform a card payment using his mobile terminal at home, without visiting a real merchant, etc., thereby increasing user convenience and personal information, card information, or credit information required for approval of a card transaction. It is transmitted without passing through merchants and service agents that perform brokerage, and thus can prevent various uses of various credit cards such as exposure or deprivation of personal information. It is possible to implement a system in which all of the stability is efficiently met.

Hereinafter, the configuration of the service server 100 according to the preferred embodiment of the present invention and a process for providing a self-payment service through the service server, etc. will be described in detail with reference to FIGS. 2 and 3.

As shown in FIG. 2, the service server 100 of the present invention includes an affiliated store information processing unit 110, a transaction information receiving unit 120, a control unit 130, and a result notification unit 140.

First, as described above, the present invention is configured such that both advantages of the data communication for the WAP connection and the improvement of the user interface environment by running the VM can be harmonized with each other.

To this end, the client terminal 10 is connected to the relay server by the swap access code and the affiliated store code (S100), the affiliated store code, for example, in the form of '# 123456' as an identification factor and a merchant identification factor. It can be made, the administrator or operator of the service server 100 of the present invention is information that is given to each merchant as a unique code to distinguish each merchant, this merchant identification information (ID) is transmitted to the cardholder through a wired or wireless call Or may be provided on a web page.

In addition, the salesperson identification information may be further added to the affiliated store identification information. For example, the salesperson identification information of '* 8' is added to the affiliated store identification information of '# 123456' and the entire merchant identification information is added to the '# 123456'. 123456 * 8 'can be configured. In this way, when forming a merchant identification number, it may be usefully used in evaluating the performance of each salesperson.

Prior to the detailed description of the subsequent process of the present invention following the connection through a swap environment, the matters related to membership registration for realizing the method of providing a self-payment service according to the present invention in order to increase the efficiency of the description of the characteristic configuration of the present invention. Will be described first with reference to FIGS. 4 and 5.

As shown in FIG. 4, the customer accesses the service server of the present invention through a medium such as a wireless application protocol (WAP) or a wired / wireless internet network using his terminal 10 (S410).

When the customer terminal 10 is connected to the service server as described above, it downloads a V (Virtual Machine, VM) for driving the service providing method according to the present invention from the service server (S4220).

When the MB is installed in the customer terminal 10 in order to increase the level of security according to the credit card transaction, the user receives the password for driving the MB and stores it when the VM is driven in the future. By configuring to go through the authentication process, even if the terminal 10 is lost or occupied, it is preferable to configure so that the use by others can be blocked.

As described above, when the password for driving the VM is input and the VM is driven (S430), card information, personal information, authentication information, etc. to be used for self-card payment are input through the interface environment driven by the VM (S440).

The personal information entered as described above is not transmitted to the service server 100, but is configured to be directly transmitted to the card company server 30 (S450) so that personal information is not exposed to a third party even in any case. do. When the personal information is transmitted to the card company server 30 as described above, the card company server 30 generates a virtual card number that is alternative identification information corresponding to the transmitted card information, and transmits the transmitted card information, authentication information, personal information, Member registration is performed by storing the customer terminal information in association with each other (S460).

When the member registration process is completed as described above, the card company server 30 performs some or all of the generated replacement identification information, the customer terminal information, and information on a part of the card number corresponding to the replacement identification information, according to the embodiment. It transmits to the service server 100, and transmits the generated replacement identification information to the customer terminal 10 to transmit a result of whether or not the member registration (S470).

When the generated replacement identification information is transmitted to the customer terminal 10, the V mounted on the customer terminal controls the transmitted replacement identification information to be stored in association with the card information input by the customer.

Hereinafter, a series of processes described above with reference to FIG. 5 will be described through an interface environment of a mobile terminal in terms of a customer, that is, a user.

First, the customer accesses the service server 100 of the present invention by inputting the previously described swap access code using his terminal 10 as shown in FIG. When the connection is made and the installation of the VM is ready, as shown in (b) of FIG. 5, the user is asked to confirm whether to install the self-payment program, and after confirmation, installation of the VM is started.

In the process of installing the VM, as described above, the self-card payment program is driven, that is, a password for driving the VM is input in the future (FIG. 5C), and the card information and the expiration date information to be used for self-card payment , Personal identification authentication numbers such as social security numbers, card passwords, etc. are input (FIG. 5 (d)).

The input information is transmitted to the card company server 30, and the card company server transmits the virtual card number, which is alternative identification information corresponding to the input card information, to the customer terminal after performing a predetermined procedure required for membership registration. The VM may be configured to be stored in association with the card information in the program, and may be configured such that the alternative identification number is not exposed to a user.

After completing the description of the membership registration bet subscription process, the detailed description of the service providing method for the self-payment of the present invention is continued through FIGS. 2 and 3.

When the customer registration is completed as described above is connected to the service server 100 of the present invention by the swap access code and the merchant code using the customer terminal 10 (S100), the customer terminal number and Merchant code information and the like are transmitted to the merchant information processing unit 110 of the service server 100 (S105).

Merchant information processing unit 110 of the service server 100 according to the present invention is the detailed information of the merchant (for example, merchant number, merchant name, address, representative, business registration number, telephone number corresponding to the merchant code) Etc.) in advance, and when the affiliated store code information is received as described above, the affiliated store information corresponding to the code is detected in the DB (S110) and transmitted to the customer terminal 10 (S127).

The transmission of the affiliated store information to the customer terminal may be performed through a reply data signal system indicating that the swap connection is made when the swap connection is made as described above, and may be formed in various forms according to the embodiment.

In addition, transmitting the affiliated store information to the customer terminal is configured to notify the user of the affiliated store corresponding to the affiliated store code sent by the customer himself to the service server 100 of the present invention as described in the following description. Therefore, in the present invention, since the realization of such a function is technically meaningful, the configuration of the time point at which the affiliate store information is transmitted to the customer terminal may be a service as well as the embodiment shown in FIG. Obviously, it should be interpreted that the communication between the server and the customer terminal can be performed at various points in time.

The swap connection may continue to maintain a connection, and the VM of the client terminal 10 may be configured to update data communication by a swap connection at the time of data transmission.

As described above, in order to configure the VM not to be driven by another person other than the user, the password for driving the VM is authenticated before the VM is driven (S120).

As described above, if a password is already input in the member registration process, the user may receive a password from the user for authentication, and verify that the input password matches a previously stored password to perform authentication on the user. If authentication fails as part of a normal process (S125), a corresponding error message may be output.

If the authentication is approved, the VM mounted on the customer terminal screens one or more card information to be used for card payment, and information about the affiliated store transmitted from the service server 100, such as an LCD of the customer terminal 10. Output to the display means (S130).

As described above, since the password authentication for running the VM refers to the authorization of the VM to perform a subsequent process such as the step 130, performing the pre-coded subsequent process such as the step 130 after the start including the start of the VM itself. It is obvious that this will be interpreted as a certification approval.

When output to the screen display means as described above, the VM may output the entire card number, but can increase the security level by outputting only a part of the card number, in another embodiment only the customer corresponding to the card number is known It can also take other information and output it. For example, text-based information such as a card for income deduction, your own card, slush card, etc., or information that symbolizes a particular card with special characters, emoticons, etc. can be printed to enhance user convenience. It may be.

Thereafter, the user selects a card to be used for the card payment by the presenter from one or more card information output to his terminal, and inputs the price information according to the self card payment.

The input information is transmitted to the transaction information receiving unit 120 of the service server 100 of the present invention. In this process, the information of the selected card may be transmitted. In this case, the card information may be predetermined. Since it is transmitted to the service server 100 which is a server, it is possible to occupy third party card information as a data form.

Therefore, rather than being directly transmitted card information can be configured to transmit only a portion of the card number to the service server 100, in this case, as described above, the service server 100 of the present invention is already a card company in the member registration process Since the link information has been transmitted from the server 30, some information of the card information may be transmitted to the card company server 30 to perform a transaction approval request.

Preferably, the VM-based customer terminal 10 outputs the virtual card number, which is an alternative identification information corresponding to the card information to be used for self-payment in the member registration process, so that the customer outputs it by the user interface. If the selected card is selected, the alternative identification information associated with the selected card may be configured to be transmitted to the transaction information receiver 120 of the service server 100 (S135).

In this configuration, the information such as the actual card number is not transmitted or received in the form of data at all, except in the case of being transmitted to the card company during the member registration process, and only an alternative identification number which is a virtual identification card number symbolizing this is not transmitted. Since it is transmitted and received in the form of data, it can be said to be more preferable since it can fundamentally cope with security obstacles such as hacking and information leakage.

When the alternative identification information and the price information is received in the service server 100 as described above, the control unit 130 of the service server 100 transmits the transmitted information to the card company server 30 for the self-payment of the card. Request for approval (S140).

At this time, the payment information is transmitted to the merchant by the mobile terminal number and the like, and after confirming that the payment information and the user information for the actual card transaction is configured to request the approval of the self-card payment to the card company server as described above. It is desirable to.

The corresponding card company server 30 utilizes the transmitted information and the pre-established database, that is, the transaction using card information, replacement identification information (virtual card information), customer portable terminal information, payment information, merchant information, and the like. Proceed with the approval procedure (S145) and transmits the approval result to the control unit 130 of the service server 100 (S150).

When the approval result is received by the result notification unit 140 through the control unit 130 of the service server, the result notification unit 130 determines whether the payment is approved or approved (S155), the approval is denied In this case, the corresponding guide information is transmitted to the customer terminal 10 (S160), and when the approval is completed, the corresponding guide information is transmitted to the customer terminal 10 (S165). The information on the rejection of approval or the completion of the approval may be transmitted to the affiliated store terminal 20 as well (S170).

Hereinafter, the process of the self-payment service method described above with reference to FIG. 6 will be supplementally described based on a user interface environment.

First, the customer enters the swap access code and the merchant code as shown in FIG. 6 (a) to access the service server 100 according to the present invention. In the case of a merchant frequently used by a customer, the access using the swap connection code and the merchant code can be easily accessed using a predetermined icon or a widget in the customer terminal 10, and the configuration through the icon or widget may be performed. It may be set separately according to a merchant or a purchase type through a predetermined classification technique.

Then, as shown in (b) of FIG. 6, the customer enters a password for driving the VM embedded in his terminal, undergoes a user authentication process, and after authentication, the stored one or more card information pop-up or If so, the card to be used for self-payment is selected as shown in FIG. As described above, the pop-up or output card information may be authored in various forms that only the user can know.

In addition, when the payment information is input as shown in (d) of FIG. 6, the VM (VM) of the customer terminal 10 outputs an interface screen for the final confirmation process as shown in (e) of FIG.

In this process, the information about the affiliated store transmitted from the service server 100 may be output together on the screens of FIGS. 6 (d) and 6 (e) and may be configured to check whether the affiliated store which is the target of payment is matched to the customer. .

If the approval is made in the card company server 30 through the intermediary of the service server 100, as described above, the result is the customer terminal 10 and the merchant terminal 20 of Figure 6 (f) and (g) Will be output as

Hereinafter, an embodiment according to another aspect of the present invention will be described with reference to FIG. 7. Parts that may correspond to or overlap with the above-described contents may be applied to the following embodiments by applying possible modifications to those skilled in the art in the same or necessary ranges, so the detailed description is replaced with the contents of the foregoing description, and in the following embodiment The main focus is to describe only the main points.

The embodiment shown in FIG. 7 is an embodiment of a case where a merchant or the like transmits a payment request signal including information about the customer and price information to the service server 100 according to the present invention in advance. Corresponds to an embodiment that can further enhance the convenience and efficiency of all users.

As illustrated in FIG. 7, the affiliated store transmits a payment request signal including customer information such as a mobile phone number and price information to the service server 100 of the present invention through the predetermined affiliated store terminal 20 (S200).

A buyer who intends to perform a payment by the service according to the present invention will communicate a purchase intention through wired / wireless communication to a person who provides goods, services, services, and the like (hereinafter, referred to as a "seller").

In this process, the seller secures the telephone number of the mobile communication terminal of the customer to be used for self-payment through electronic means such as a part confirming the purchase intention from the customer, display of the calling party number, inquiry, or registered member information. Can be. When the delivery and confirmation process of the intention to purchase the goods is completed, the seller transmits a payment request signal to the service server 100 of the present invention operating the self-card payment according to the present invention.

In particular, in the case of a seller or a merchant running a service that is regularly charged (for example, newspaper, milk, school, etc.), the service method according to the present embodiment may be more effective. Merchants and the like may prepare a matter of a plurality of bills subscribed to the affiliated store through an electronic data sheet or the like through a predetermined writing tool or program distributed.

When the information about the payment made or delivered at the merchant is transmitted to the service server 100 of the present invention, the service server 100 parses the customer telephone number information included in the payment request signal, The URL call back SMS (URL call back SMS) connected to the service server 100 is transmitted to the customer terminal (S205). The customer accesses the service server through the ULC callback SM through the customer terminal 10 thereof. It is made (S210).

The UL callback SM includes a swap access code and the like. When the UL callback SM is transmitted to the customer terminal 10 by a predetermined mobile communication server, the UE callback SM is only selected by the selection of the UE callback SM. It can be connected to the service server of the present invention which is linked.

The specific configuration, specification, or protocol of the UAL callback SM is not the main technical matters of the present invention, but the detailed description is omitted since the configuration is obvious to those skilled in the art.

In order to improve the level of security for user authentication, it is more preferable to perform an authentication process such as inputting a password for driving the VM before the VM which performs the service method of the present invention (S215, S220).

After the customer terminal 10 is connected to the service server 100 in this way, the VM mounted on the customer terminal is driven, and transmits one or more card information to be used for self-card payment and the service server. The price information is output to the screen display means of the customer terminal 10 (S225).

Since the service server 100 has already secured the billing information to be billed to the customer from the merchant terminal 20, the customer does not go through the process of re-entering the billing information and the like, and checks whether the outputted billing information is correct. It can be implemented in a simple and accurate way.

Thereafter, when the customer selects one card to be used for self-payment among the one or more card information output through a simple operation such as vertical adjustment of the key button, the VM mounted in the customer terminal corresponds to the selected card information. The alternative identification information is transmitted to the service server 100 of the present invention through a data communication medium such as a swap (WAP) (S230).

When the replacement identification information is transmitted to the service server 100, the service server 100 transmits the transmitted replacement identification information and the price information to the card company server 30 to request a transaction approval (S224), and the card company. When the approval is completed after the approval process of the server 30 (S240) and the result arrives at the service server 100, the result of the approval is notified to the predetermined terminal 20 and the customer terminal 10 of the affiliated store. (S250, S255).

In this embodiment, the card information of the customer, which should be maintained in the security, is not exposed at all to the service server 100, which is the subject that performs the brokering of the self-payment of the present invention, including the affiliated store.

The self-payment service method according to the present invention described above has a fundamental difference from the conventional method of payment processing according to the use of a credit card.

Looking at the conventional method of performing a credit card transaction briefly, the process of reading the magnetic or IC information of the customer credit card, the process of transmitting the read information and the unique number of the merchant card terminal to the VAN company, such as the transmitted information If the card is approved, the process includes receiving approval information and printing the credit card transaction result on the voucher after the approval is made. The merchant card terminal is main in all the processes from the beginning and the end of the credit card transaction. It is performed as a subject.

In the above process, the customer only provides the card to the salesperson of the affiliated store, and although the agent is the agent of the transaction, the terminal does not perform the subjective act of the card transaction, and the terminal handles all the processes. Therefore, as described above, if the merchant terminal that performs the above functions does not exist in any form, the credit card transaction is not performed, and in this process, the customer becomes a neighbor.

The main reason for problems such as illegal card duplication, information leakage, etc., which are commonly found in valet parking, gas stations, etc., is due to the transfer of the customer's credit card from the customer to the salesperson. This is because it is impossible for the transferred customer (user) to detect or prevent various illegal acts that occur while the possession is transferred.

Such a problem may occur in the case where the personal information of the customer is occupied or stored in a PG company or an intermediary server or the like.

However, the method according to the present invention is configured such that not only the merchant terminal representing the third party, but also the brokering agent is involved in the credit card transaction process.

In the self-card payment service method of the present invention described in detail as described above, only the buyer and the card company performing the transaction may be set as the main agent of the card transaction, and the seller (merchant) that provides the goods or services, as well as In the case of the card brokering agent, the main personal information may be configured not to be stored in the form of data information even in a temporary or short term.

Through the configuration of the present invention, the market utilization and profits of credit card transactions are enjoyed as they are, and at the same time, the sales of "buyers", goods, or services that are intended to prevent fraudulent or unfair use through the leakage of personal information are promoted, and economic benefits It is possible to meet the market demands and needs of both the "seller" who wishes to achieve and the credit card acts of the "card company" who wishes to reliably realize the credit card transactions between the buyer and the seller.

As described above, the self-card payment service method and the service server 100 performing the service, etc. according to the present invention have been described in detail, but each configuration of the service server 100 according to the present invention is physically divided. It should be understood as a logically divided component rather than an element.

That is, since each configuration corresponds to logically divided components to realize the technical idea of the present invention, even if each component is integrated or separated, the present invention can realize the function performed by the logical configuration of the present invention. Should be interpreted to be within the scope of.

Although the present invention has been described above by means of limited embodiments and drawings, the present invention is not limited thereto and will be described below by the person skilled in the art to which the present invention pertains. Of course, various modifications and variations are possible within the scope of the claims.

Claims

An access step of the client terminal accessing the service server by using a WAP access code and an affiliated store code;

A transaction information receiving step, wherein the service server receives from the customer terminal an alternative identification information and a price information corresponding to the card information to be used for self-payment by a swap connection; And

The card company server transfers the identification information and the billing information transmitted from the customer terminal so that the card company server can approve the card transaction using the card information of the customer stored in the card company server in association with the substitute identification information. And requesting a transaction approval by transmitting to a server, and a result notification step of notifying the predetermined terminal and the customer terminal of the approval result when the approval is completed.
The method of claim 1, wherein the transaction information receiving step,

An output step of outputting one or more card information to be used for self-card payment to the screen display means of the customer terminal when the customer terminal is connected to the service server and the VM mounted on the customer terminal is driven; And

And transmitting the alternative identification information and the billing information corresponding to the selected card information to a service server when one of the output one or more card information is selected.
The method of claim 2, wherein the VM,

Self-payment service providing method characterized in that the drive is activated only when the password for driving the MB input from the user after the customer terminal is connected to the service server is authenticated.
The method of claim 2, wherein the output step,

Self-card payment service providing method, characterized in that for further outputting the merchant information corresponding to the merchant code transmitted from the service server.
The method of claim 1, wherein the replacement identification information,

Method of providing a self-card payment service, characterized in that stored in the customer terminal and the card company server in association with the card information to be used for self-payment card when registering.
A request signal input step of inputting a payment request signal including telephone number information and price information of a customer terminal from an affiliated store;

SM transmission step of transmitting a URL call back SMS (URL call back SMS) connected to the service server to the customer terminal of the payment request signal;

An access step of the client terminal accessing a service server through the UL callback SM;

When the customer terminal is connected to the service server, the VM (VM) mounted on the customer terminal is driven to display one or more card information to be used for self-card payment and the price information transmitted from the service server. An output step of outputting by means;

A transmission step in which, when one of the output one or more card information is selected, alternative identification information corresponding to the selected card information is transmitted to the service server by a WAP; And

The service server transmits the transmitted replacement identification information and the payment information to the card company server so that the card company server can approve the card transaction using the card information of the customer stored in the card company server in association with the replacement identification information. Requesting the transaction approval by transmitting, and a result notification step of notifying the predetermined terminal and the customer terminal of the approval result when the approval is completed.
The method of claim 6, wherein the VM,

Self-payment service providing method characterized in that the drive is activated only when the password for driving the MB input from the user after the customer terminal is connected to the service server is authenticated.
The method of claim 6, wherein the output step,

Self-card payment service providing method characterized in that further outputting the merchant information transmitted from the service server.
The method of claim 6, wherein the replacement identification information,

Method of providing a self-card payment service, characterized in that stored in the customer terminal and the card company server in association with the card information to be used for self-payment card when registering.