WO2014017742A1

WO2014017742A1 - Credit payment method for amount of usage of prepaid mobile electronic cash by using credit card pre-approved charging

Info

Publication number: WO2014017742A1
Application number: PCT/KR2013/005021
Authority: WO
Inventors: 김영주; 손기욱
Original assignee: 주식회사 한국스마트카드
Priority date: 2012-07-24
Filing date: 2013-06-07
Publication date: 2014-01-30
Also published as: KR101258831B1

Abstract

The present invention relates to a credit payment method for an amount of usage of prepaid mobile electronic cash by using a credit card pre-approved charging technique, and more particularly, to a mobile electronic cash payment method in which an amount of usage for services or goods is invoiced within a set limit that is linked to a credit card. To this end, an electronic cash payment system, which is linked to a credit card and includes a mobile terminal having a mobile card, a prepaid card company server, and a credit card company server, is provided. A method of making a payment through the prepaid card company server includes: obtaining a limit that is an amount to be used for a preset period from the mobile terminal, credit card information to pay the limit, mobile card information, and USIM information on the mobile terminal; mapping and storing the mobile card information to the USIM information; providing the USIM information and the credit card information to the credit card company server; providing the USIM information and the limit to the credit card company server; requesting pre-approval for the limit; and charging the limit in the mobile card if notification of pre-approval completion is provided from the credit card company server.

Description

Credit payment method of prepaid mobile electronic money using credit card prepayment

The present invention relates to a credit settlement method for a prepaid mobile electronic money use amount using a credit card prepaid recharge, and more specifically, to charge a use amount for a service or goods used within a set limit amount in connection with a credit card. The present invention relates to a mobile electronic money payment method.

In the past, cash was mainly used as a payment method for goods or services. However, as the credit society entered, the use of credit cards increased rapidly.

A credit card is a plastic identification card issued by a bank or a large store. It is a card that allows credit of goods or services, or withdraws cash from an automatic teller machine (CD). Passwords are stored. Credit card merchants access the main computer of the credit card issuing company online through a credit check terminal (CAT) to check the credit card usage limit, account / deposit balance, and validity to allow credit processing of the payment. The bank's CD reads the credit card information to verify the credit card holder's account details and pay cash. Prepaid cards can be used to pay for goods or services. A prepaid card is a card that can be used at a prepaid card merchant after the card is charged.

Prepaid cards are usually given discounts in exchange for prepaid payments, which are often used in industries with high frequency of small cash sales. It features features such as prepaid, variability in use value, anonymity, simplicity of portability, simplicity of use and economical efficiency. The public prepaid cards such as public telephone cards, transportation cards, and regular subway tickets of Korea are the most common. As described above, various payment related services are required to efficiently use various payment means and provide more convenient services.

In addition, while the prepaid transit card is commercially available for the mobile card currently used as a mobile, the credit card with the transit card function cannot be used as a mobile. This is 62% higher than prepaid card (38%). However, in order to commercialize a credit card equipped with a traffic card function using a mobile, the entire transportation card terminal system must be modified, resulting in a large investment cost for infrastructure modification. In other words, the majority of transportation card users prefer the credit payment method, but there is no credit card service equipped with a mobile card function using the mobile feels uncomfortable.

The problem to be solved by the present invention is to propose an electronic money of a method of claiming the amount of use later on a periodic basis set as a credit card while using the prepaid electronic money function.

Another problem to be solved by the present invention is to propose a method that can use the prepaid electronic money without a separate charging action of the user.

Another problem to be solved by the present invention is to propose a prepaid electronic money having an electronic money function for billing the use amount later using a mobile terminal.

To this end, the method of performing payment by the prepaid card company server in a credit card linked electronic money payment system including a mobile terminal, a prepaid card company server, and a credit card company server in which the mobile card of the present invention is embedded is provided for a predetermined period of time from the mobile terminal. Receiving the credit card information, the mobile card information, the USIM information of the mobile terminal to pay the usage amount, the usage amount which is an amount to be used, the mobile card information and the USIM information are stored in correspondence, and the credit Providing USIM information and credit card information to a credit card company server; providing the USIM information and the credit amount to the credit card company server; requesting approval for the credit amount; and prepaid from the credit card company server When notified of the completion of the payment, In a step of filling.

To this end, the method of performing the payment by the prepaid card company server in a credit card linked electronic money payment system including a mobile terminal, a prepaid card company server, and a credit card company server in which the mobile card of the present invention is embedded, the remaining charge amount from the mobile terminal. If a refund is requested, requesting the credit card company server cancel the preauthorization details corresponding to the mobile terminal, and if the preauthorization details are canceled, the credit card company server for the amount used by the mobile terminal. Requesting a purchase approval, if the purchase approval is notified from the credit card company server, providing USIM information and a usage amount of the mobile terminal to the credit card company server, and requesting a pre-approval of the usage amount; If notified of the completion of the approval from the credit card company server, the And charging the mobile card with the amount.

Through the credit card linked mobile electronic money payment system according to the present invention, the user can be provided with the service in the form of a credit card while the user actually uses the form in the form of a prepaid card.

In addition, since charging is performed using a mobile, an initial installation cost such as a separate charging terminal is reduced, and the user has an advantage of being able to charge in real time through wireless communication if desired. In addition, the present invention can provide a way of claiming the amount of money to be used later while using the existing prepaid transportation card function without investment for the change of transportation infrastructure to facilitate user convenience.

1 illustrates a form of setting an initial limit in a payment system using a credit card linked mobile electronic money according to an embodiment of the present invention.

2 illustrates an input window for inputting usage and payment credit card information according to an embodiment of the present invention.

Figure 3 illustrates the use and billing form in a payment system using a credit card linked mobile electronic money according to an embodiment of the present invention.

FIG. 4 illustrates a payment system including a mobile terminal, a payment terminal, a prepaid card company server, a credit card company server, and a mobile communication company server in which a mobile card is embedded according to an embodiment of the present invention.

5 is a view illustrating a usage and billing form in a payment system using a credit card linked mobile electronic money according to another embodiment of the present invention.

The foregoing and further aspects of the present invention will become more apparent through the preferred embodiments described with reference to the accompanying drawings. Hereinafter will be described in detail to enable those skilled in the art to easily understand and reproduce through this embodiment of the present invention.

1 illustrates a form of setting an initial limit in a payment system using a credit card linked mobile electronic money according to an embodiment of the present invention. Hereinafter, a payment system using a credit card linked mobile electronic money according to an embodiment of the present invention will be described in detail with reference to FIG. 1.

According to Figure 1 credit card linked mobile electronic money payment system includes a mobile communication company server, mobile terminal, prepaid card company server, credit card company server. Of course, other components in addition to the above-described configuration may be included in the credit card linked mobile electronic money payment system.

In step S100, the mobile terminal accesses the mobile communication company server and downloads the credit card linked electronic money payment application. The mobile terminal user installs the downloaded credit card linked electronic money payment application to the mobile terminal. When the credit card linked electronic money payment application is installed, the mobile terminal requests the usage type of the mobile electronic money. Credit card linked types are divided into credit card billing and mobile phone billing. In connection with the present invention, the user selects a credit card billing method.

In step S102, the mobile terminal provides information on monthly usage and payment card to the prepaid card company server. Information on the payment card includes a card number, expiration date, CVC, UICC (or USIM) number of the mobile terminal. Since the present invention uses a mobile terminal, the number of UICC (or USIM) included in the mobile terminal must be provided to the prepaid card company server.

2 illustrates an input window for inputting usage and payment credit card information according to an embodiment of the present invention. As shown in FIG. 2, an input window for inputting a monthly usage degree and an input window for inputting credit card information are displayed, and a user inputs related information in the corresponding input window.

In step S104, the prepaid card company server requests pre-approval for monthly usage to the credit card company server. This means that no actual purchase is made in connection with the present invention.

In step S106, the credit card company server pre-authorizes the monthly usage requested by the prepaid card company server, and provides information on this to the prepaid card company server.

In step S108, the prepaid card company server charges the monthly usage to the mobile terminal.

Through the above-described process, the mobile terminal will charge the monthly usage.

Figure 3 illustrates the use and billing form in a payment system using a credit card linked mobile electronic money according to an embodiment of the present invention. Hereinafter, a payment system using a credit card linked mobile electronic money according to an embodiment of the present invention will be described in detail with reference to FIG. 3.

According to Figure 3 credit card linked mobile electronic money payment system includes a mobile communication company server, mobile terminal, prepaid card company server, credit card company server. Of course, other components in addition to the above-described configuration may be included in the credit card linked mobile electronic money payment system.

In step S300, the mobile terminal determines whether the current point in time is the settlement of the payment amount using the service or the goods used. The mobile terminal checks the remaining charge amount currently charged in the mobile terminal when the current time point is settled for the payment amount using the service or the goods. The mobile terminal provides information about the remaining charge amount to the prepaid card company server in order to refund the remaining charge amount.

In step S302, the prepaid card company server requests the cancellation of the preauthorization performed in step S104 to the credit card company server, and the credit card company server approves the preauthorization cancellation requested by the prepaid card company server. Of course, the remaining charge amount charged in the mobile card through the above process is refunded.

In step S304, the prepaid card company server requests the credit card company server for approval of the amount used by the actual mobile terminal user.

In step S306, the credit card company server approves the actual amount used by the prepaid card company server.

In step S308, the credit card company server requests the usage amount to the mobile terminal (mobile terminal user). In this case, the credit card company server charges the mobile terminal to sum the amount used of the actual credit card in addition to the amount requested by the prepaid card company server.

In step S310, the prepaid card company server requests a pre-approval for monthly usage as a credit card company server, and the credit card company server pre-approves the monthly usage requested by the prepaid card company server, and provides the information to the prepaid card company server.

In step S312, the prepaid card company server charges the monthly usage to the mobile terminal.

Hereinafter, the details described with reference to FIG. 1 or FIG. 3 will be described in detail.

1. Set up payment credit card

The customer who selects a credit service from the installed application sets a credit card to pay after accepting the terms. The credit card setting method is to input credit card information (card number, expiration date, password, etc.). The input information transmits the UICC (or USIM) number, prepaid card information, and credit card information of the mobile terminal to the prepaid card company server. The prepaid card company server stores and stores the UICC (or USIM) number and the prepaid card number of the mobile terminal in correspondence with each other, and provides credit card information and UICC (or USIM) to the credit card company server.

In connection with the present invention, the prepaid card company server and the credit card company server may share other information for payment in addition to the UICC. That is, the unique information of the mobile terminal can be stored in addition to the UICC. For example, the phone number of the mobile terminal and information unique to the mobile terminal may be shared using a specific algorithm. In addition, when the unique information of the mobile terminal is processed using a specific algorithm, the processing may be performed by any one of a prepaid card company server or a credit card company server, and may provide the result to another server. In addition, by using various information, the prepaid card company server and the credit card company server may perform payment for transaction details performed by the mobile terminal.

2. Grant monthly usage

The mobile terminal user sets a usage amount to be used simultaneously with setting up a credit card. The amount of money to be used can be set based on various periods, such as monthly and weekly, but generally it is preferable to set monthly.

The amount of money to be used on a monthly basis is one of the minimum amount and the maximum amount. Generally, if the minimum amount is set to 10,000 won and the maximum is set to 200 thousand won, the user selects an amount between 10,000 and 200,000 won.

The prepaid card company server requests a pre-approval to the credit card company server for the use amount selected by the mobile terminal. When pre-approval is completed, automatic charging is performed to charge the pre-approved recharge amount to the mobile prepaid card installed inside the mobile terminal. When charging is complete, the mobile terminal displays the charging amount or other necessary information. As described above, the mobile terminal user is not charged for the pre-approved charge amount. Although the present invention has been described for the provision of monthly use, it is not limited thereto. In other words, the usage level can be changed in monthly, weekly, or other units.

3. Add usage

The present invention can add the monthly usage using the application when the mobile terminal user requests. The limit can also be restored to the monthly usage by adding only the balance less the monthly usage. For example, if the monthly usage is 200,000 won, and the amount used is 100,000 won, it can be set to be charged by adding only 100,000 won.

For the added amount, the same amount as the monthly usage amount is requested to the credit card company server for approval. The prepaid card company server can manage the monthly usage amount and the added amount separately, or manage by merging.

4. Restore monthly usage

Monthly usage restoration is done on a monthly basis and is performed at a fixed time. As described above, the application installed in the mobile terminal refunds the balance, and receives a new charge for the monthly usage amount set first. The prepaid card company server requests real-time purchase approval to the credit card company server for the amount actually used by the mobile terminal user. The purchase approval amount is the amount deducting the refunded amount from the monthly usage as described above. The prepaid card company server requests the cancellation by transmitting the pre-approval details associated with the purchase approval to the credit card company server when processing the purchase approval. Although the present invention has been described with respect to monthly use restoration, it is not limited thereto. In other words, the usage level can be changed in monthly, weekly, or other units.

FIG. 4 illustrates a payment system including a mobile terminal, a payment terminal, a prepaid card company server, a credit card company server, and a mobile communication company server in which a mobile card is embedded according to an embodiment of the present invention. Hereinafter, a payment system including a mobile terminal 400, a payment terminal 402, a prepaid card company server 404, a credit card company server 406, and a mobile communication company server 408 will be described with reference to FIG. 4. do.

As described above, the mobile terminal 400 includes a prepaid card having a prepaid card payment function. In order to perform the prepaid card payment function, the mobile terminal 400 charges an amount corresponding to a monthly usage amount, which is an amount set at a set periodic interval.

In connection with the present invention, the mobile terminal 400 charges the set amount from the prepaid card company server 404 through the wireless communication network at regular intervals, and the remaining balance at the time of settlement is refunded. The mobile card 400, which refunded the balance, is recharged for the amount corresponding to the monthly usage amount.

The payment terminal 402 charges for the services or goods provided through communication with the mobile terminal 100. Thereafter, the payment terminal 402 provides a transaction history with the mobile terminal to the prepaid card company server on a set periodic basis.

The mobile telecommunication company server 408 provides a credit card linked electronic money application to the mobile terminal. That is, the mobile telecommunication company server 408 provides a credit card linked electronic money application requested by the mobile terminal.

The prepaid card company server 404 receives monthly usage and payment card information from the user terminal, and charges the monthly usage on a set periodic basis. The prepaid card company server 404 requests the credit card company server 406 for pre-approval for monthly usage, and requests purchase approval for the actual amount used on a set periodic basis. To this end, the prepaid card company server 404 requests the cancellation of the monthly usage approved in advance when the purchase approval request for the actual amount used.

The credit card company server 406 performs pre-approval for the monthly usage requested from the prepaid card company server 404. In addition, the credit card company server 406 cancels the previously approved details when a purchase request is requested for the amount used by the mobile terminal from the prepaid card company server 404.

Although the present invention is shown to be charged the amount set on a monthly basis, but is not limited thereto. The charging unit for the set amount may vary depending on the user.

In addition, the prepaid card company server of the present invention is shown as requesting a refund for the remaining charge amount of the mobile terminal to the credit card company server, but is not limited thereto. That is, the prepaid card company server may restore the monthly usage by re-granting the amount used by the mobile terminal, instead of restoring the monthly usage through the process of refunding the remaining charges and re-granting the monthly usage to the credit card company server. Can be. This will be described with reference to FIG. 5.

5 is a view illustrating a usage and billing form in a payment system using a credit card linked mobile electronic money according to another embodiment of the present invention. Hereinafter, a payment system using a credit card linked mobile electronic money according to an embodiment of the present invention will be described in detail with reference to FIG. 5.

In step S500, the mobile terminal determines whether the current point of time is the settlement of the payment amount using the service or the goods used. The mobile terminal checks the remaining charge amount currently charged in the mobile terminal when the current time point is settled for the payment amount using the service or the goods. The mobile terminal provides the remaining charge amount to the prepaid card company server. Of course, the mobile terminal does not perform a refund process for the remaining charge amount provided unlike FIG. 3.

In step S502, the prepaid card company server requests the cancellation of the preauthorization performed in step S104 to the credit card company server, and the credit card company server approves the preauthorization cancellation requested by the prepaid card company server.

In step S504, the prepaid card company server requests the credit card company server for approval of the amount used by the actual mobile terminal user.

In step S506, the credit card company server approves the actual amount used by the prepaid card company server.

In step S508, the credit card company server requests the usage amount to the mobile terminal (mobile terminal user).

In step S510, the prepaid card company server requests a pre-approval for the amount used by the mobile terminal approved in step S304 as a credit card company server, and the credit card company server pre-approves the amount requested by the prepaid card company server, and prepaid information on this. Provided to the card company server.

In step S512, the prepaid card company server charges the amount approved by the mobile terminal. As such, FIG. 5 restores the monthly usage amount by charging the amount used by the mobile terminal without refunding the remaining charge amount of the mobile terminal.

The present invention can be used in payment card payment, phone bill payment, mobile phone payment, etc. in addition to credit card payment, SE (Secure Element), flash memory and the like can be used.

Although the present invention has been described with reference to one embodiment shown in the drawings, this is merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. .

(Explanation of the sign)

400: mobile terminal, 402: payment terminal

404: prepaid card company server, 406: credit card company server

408: carrier server

Claims

In a credit card linked electronic money payment system consisting of a mobile terminal, a prepaid card company server, a credit card company server, the mobile card is embedded, the method of the prepaid card company server to perform the payment,

Receiving, from the mobile terminal, a usage amount which is an amount to be used for a set period of time, credit card information for paying the usage amount, the mobile card information, and USIM information of the mobile terminal;

Storing the mobile card information and the USIM information in correspondence and providing USIM information and credit card information to the credit card company server;

Providing the USIM information and the usage amount to the credit card company server and requesting approval of the usage amount;

If the credit card company server is notified of the completion of the pre-approval, electronic money payment method comprising the step of charging the mobile card to the credit card amount.
The method of claim 1, wherein the credit card information is a card number, an expiration date, and a password.
The method of claim 2, wherein the prepaid card company server,

Electronic money payment method, characterized in that by using the USIM of the mobile terminal to request a pre-authorization to the credit card company server or the amount used in the mobile terminal.
In a credit card linked electronic money payment system consisting of a mobile terminal, a prepaid card company server, a credit card company server, the mobile card is embedded, the method of the prepaid card company server to perform the payment,

If a refund for the remaining charge amount is requested from the mobile terminal, requesting the credit card company server to cancel a preauthorization history corresponding to the mobile terminal;

If the pre-approval is canceled, requesting a purchase approval to the credit card company server for the amount used by the mobile terminal;

When the purchase approval is notified from the credit card company server, providing the USIM information and the usage amount of the mobile terminal to the credit card company server, and requesting approval of the usage amount;

If the credit card company server is notified of the completion of the pre-approval, electronic money payment method comprising the step of charging the mobile card to the credit card amount.
The method of claim 4, wherein prior to the step of requesting cancellation of the approval details,

Receiving, from the mobile terminal, a usage amount which is an amount to be used for a set period of time, credit card information for paying the usage amount, the mobile card information, and USIM information of the mobile terminal;

Storing the mobile card information and the USIM information in correspondence and providing USIM information and credit card information to the credit card company server;

Providing the USIM information and the usage amount to the credit card company server and requesting approval of the usage amount;

If the credit card company is notified of the completion of the pre-approval, electronic money payment method characterized in that for performing the step of charging the mobile card to the mobile card.
According to claim 5, Before the step of receiving the USIM information of the mobile terminal,

The mobile terminal is an electronic money payment method, characterized in that to download and install a credit card linked electronic money payment application from the mobile communication company server.
The electronic money of claim 6, wherein the usage level is set within a minimum amount and a maximum amount, and the mobile terminal checks in real time whether the current time is a request for a refund of the remaining charge amount. Payment Method.
In a credit card linked electronic money payment system consisting of a mobile terminal, a prepaid card company server, a credit card company server, the mobile card is embedded, the method of the prepaid card company server to perform the payment,

If information on the remaining charge amount is received from the mobile terminal, requesting the credit card company server to cancel the approval details corresponding to the mobile terminal;

If the pre-approval is canceled, requesting a purchase approval to the credit card company server for the amount used by the mobile terminal;

When the purchase approval is notified from the credit card company server, providing the USIM information and the usage amount of the mobile terminal to the credit card company server, and requesting approval of the amount used by the mobile terminal;

If the credit card company is notified of the completion of the approval, the electronic money payment method comprising the step of charging the mobile card with the amount used by the mobile terminal.