WO2020040321A1

WO2020040321A1 - Card payment system, server, and method capable of setting payment amounts

Info

Publication number: WO2020040321A1
Application number: PCT/KR2018/009646
Authority: WO
Inventors: 박희영
Original assignee: 박희영
Priority date: 2018-08-22
Filing date: 2018-08-22
Publication date: 2020-02-27

Abstract

The present invention relates to a card payment system, a server, and a method capable of setting payment amounts, which are implemented such that a payment can be made using a protected-type card at the time of payment for products or services, and in which: a user terminal receives a user-side payment amount through an input means and requests a user-side payment approval, and then receives a user-side payment approval response and notifies a user through an output means; a merchant terminal receives a merchant-side payment amount through an input means and requests a merchant-side payment approval, and then receives a merchant-side payment approval response and notifies the merchant through an output means; a card payment server receives a request for the user-side payment approval for the user-side payment amount from the user terminal, performs user authentication and approval so as to respond to the user-side payment approval to the user terminal and to simultaneously register the user-side payment approval for the user-side payment amount, receives a request for the merchant-side payment approval for the merchant-side payment amount from the merchant terminal, and performs merchant authentication and approval so as to respond to the merchant-side payment approval to the merchant terminal; and a database stores the user-side payment approval for the user-side payment amount registered by the card payment server by classifying the user-side payment approval by users and making a database.

Description

Card payment systems, servers and methods for setting payment amounts

The technical field of the present invention relates to a card payment system, a server, and a method for setting a payment amount, and in particular, a payment amount setting implemented to make a payment using a card that can set a payment amount when paying for a product or service. Possible card payment system, server and method.

The card payment system is a system that allows a payment amount in place of cash by using a debit card or a credit card when purchasing a product or service. In the case of a payment system using a debit card, when a product or service is purchased, the payment system transfers the payment amount directly from the user's bank account to the merchant's bank account through a terminal installed in the merchant. The issuing entity is a bank and debit. To use your card, you must have an account with your bank. In the case of a payment system using a credit card, the payment system is a payment system through a cardized certificate issued to a user by an issuer and a merchant who issue a card according to a contract concluded in advance. The payment amount of the first payment to the merchant, and after a certain period, to recover the prepaid payment amount from the user.

Such a card payment system constitutes a system in which a magnetic card and a smart card exist. The transition from the magnetic card to the smart card embedded with the IC chip, which is excellent in security, convenience, and information storage, is rapidly being promoted. . However, such a card payment system is easy to generate illegal transactions due to the theft of the signature of the card, it is difficult to structurally prevent the denial of use.

The solution to the problem of signature theft is to use authentication information (i.e., secret information) that only the user knows, but cannot use the authentication information because all information on the card is exposed to the POS terminal. In addition, in order to use the additional information service of the card, it is necessary to access the card company's site in various steps, log in by the user, and find and use the additional information service of the card on several pages. It does not meet the needs of customers who only want to know the service.

Korean Patent Registration No. 10-0612725 (registered on August 08, 2006) discloses a card payment system, a server, and a method. The card issuing company and a bank or card company that decides whether to approve a card transaction, and a bank or card company An intermediary communication network that acts as a mediator according to the transaction approval between a card merchant owning a credit inquiry terminal (CAT) or a POS terminal (non-EMV type terminal), and a bank / card company and a card merchant for customer card transactions. In the card payment system including VAN), the card is configured to connect directly to the non-EMV terminal of the merchant, can read and write the customer's contactless EMV smart card, and delivers the customer-related information to the non-EMV terminal The pin pad type EMV terminal (PINPAD) is further configured, the pin pad type EMV terminal reads the information of the contactless EMV smart card, smart card and non-EMV type terminal The hardware unit includes a card connector for direct communication with and further characterized in that the software means with the application for communication with the IC chip based EMV applications that are provided in the mounting EMV smart card. According to the disclosed technology, the EMV smart card can be traded through the existing non-EMV type terminal, and the infrastructure of the existing card payment system can be used as it is, thereby greatly reducing the cost of constructing the new EMV system. In order to build a new EMV system, only one component of the pin pad type EMV terminal needs to be approved without having to obtain approval from EMVCo for each model / operating system of the terminal. Provide ease of use.

Korean Patent No. 10-1751640 (registered on June 21, 2017) provides a payment method and a method of providing additional information service using a payment system and a payment system of a payment card that provides a payment and additional information service using a card having a payment function. Is disclosed. According to the disclosed technology, the card information used when making a payment request to a payment server of a card company by communicating with a POS terminal, and the URL used when directly accessing the Internet site of an additional server of the card company by NFC communication with a smart device A URL-NFC payment card which is stored in another space and is set such that URLs are divided into URL-NFC payment card units; NFC communication with URL-NFC payment card will directly connect to the Internet site of the additional server corresponding to the URL, deliver authentication information of URL-NFC payment card to the additional server, and use the URL-NFC payment card to pay. Smart device for transmitting the billing physician information indicating that the sign-in or URL-NFC payment card unit to receive the main page information; In response to the URL, the Internet site is provided to the smart device by the URL-NFC payment card unit, the authentication information is confirmed, the login is accepted by the URL-NFC payment card unit, the main page information is provided to the smart device, or the payment doctor information An additional server of a card company which generates payment schedule information corresponding to the service provider and provides the payment server to a payment server of a URL-NFC payment card; The payment request information generated in response to the payment request of the URL-NFC payment card using the card information of the URL-NFC payment card is provided to the payment server of the card company of the URL-NFC payment card, and the payment server receives the information through the POS terminal. A POS terminal for receiving, from the payment server, approval result information indicating an approval result for the payment request generated using the payment request information and the payment schedule information received from the additional server; And a payment server of a card company that provides the POS terminal with approval result information generated by using payment schedule information received from the additional server and payment request information received from the POS terminal. The card information is transmitted to the server and the card information is later delivered to the payment server of the card company via a path through the POS terminal, and the additional server and the payment server to communicate the verification result of the authentication information to prevent the theft of the payment card.

The conventional card payment system as described above still has the disadvantage that a user must hand over or expose a payment tool containing important information, such as personal information, to another person when performing a payment for a product or service. It also has the disadvantage that important information such as information, or theft and hacking of payment tools may occur.

The problem to be solved by the present invention is to solve the drawbacks described above, the card payment can be set to implement the payment amount implemented to pay using a card that can set the payment amount when payment for goods or services It is to provide a system, server and method.

As a means for solving the above-described problems, according to an aspect of the present invention, after receiving the user-side payment amount received through the input means to request the user-side payment approval, the user who receives the user-side payment approval in response to notify the user through the output means terminal; An affiliated store terminal that receives an affiliated party payment amount through an input unit and requests the affiliated party payment approval, and then receives an approval from the affiliated party payment and notifies the affiliated store through an output unit; Receiving a user-side payment approval for the user-side payment amount from the user terminal, performs user authentication and approval to respond to the user-side payment approval to the user terminal, at the same time register the user-side payment approval for the user-side payment amount, the merchant A card payment server receiving a request for payment of an affiliated store payment for the affiliated party payment amount from the terminal, performing authentication and approval of the affiliated store, and responding to the affiliated store terminal for approval of the affiliated party payment; And it provides a card payment system that can set the payment amount including a database for storing the user-side payment approval for the user-side payment amount registered from the card payment server for each user database.

In one embodiment, the user terminal, when the payment approval is completed, characterized in that for inputting the user-side payment amount to the protected card.

In one embodiment, the user terminal, the protected type card, characterized in that the safe payment means to receive the user-side payment amount, the payment approval only to use the input user-side payment amount.

In one embodiment, the protected card is characterized in that the contact payment means or contactless payment means.

In an embodiment, the user terminal may receive a user-side payment amount and request a user-side payment approval for the user-side payment amount when executing a protection-only app.

In an embodiment of the present disclosure, the user terminal identifies a current user location using a location detecting means and notifies the card payment server.

In an embodiment, when the user terminal is a telephone as an input means, the user terminal requests the card payment server to approve the user's payment for the user's payment amount through phone authentication with the card payment server.

In one embodiment, the user terminal, after generating and transmitting a download request signal to the card payment server, and downloads a protection-only app from the card payment server, characterized in that installed in the internal memory.

In an embodiment, when the user terminal receives the payment amount of the user side through the input means and confirms the user side payment approval request, the user terminal generates the user side payment approval request signal including the user side payment amount and user identification information or location information. After the transmission to the card payment server, the user side payment approval completion signal is received from the card payment server, characterized in that notifying the user of the completion of the user side payment approval.

In an embodiment of the present disclosure, upon completion of the payment approval, the user terminal may switch the approval button on the screen from an inactive state to an activated state to inform the user of the completion of the user side approval.

In one embodiment, the protected card is characterized in that one of the payment means using a magnetic, payment means using an IC chip, payment means using NFC, payment means using Bluetooth, contactless payment means not included in the other. .

In an embodiment, the protected card may receive and store a payment amount of a user side, and use the protected card to use the payment at a merchant.

In an embodiment, when the user presses an approval button in an activated state, the user terminal may input the user's payment amount into the protected card in a contact or contactless manner.

In an embodiment, when the user presses an approval button in an activated state, the user terminal inputs a user's payment amount into a protected card using one of magnetic, IC chip, NFC, and Bluetooth.

In an embodiment, when the user terminal contacts the protected card, the user terminal inputs a payment approval code including a payment amount of a user side into the protected card to use the protected card at the time of payment at a merchant. Characterized in that.

In an embodiment, the user terminal requests the card payment server to transfer a user's payment amount to a payment-only account, receives a payment approval code from the card payment server, and inputs the payment approval code into a protected card to make a payment at an affiliated store. It is characterized by using a protected card at the time.

In one embodiment, the card payment server, the merchant stores only if the merchant payment amount for the merchant-side payment approval request from the merchant terminal coincides with the user-side payment amount for the user-side payment approval request from the user terminal. Characterized by performing authentication and approval.

In one embodiment, the card payment server, at the same time confirming the current location of the user and the current location of the affiliated store only when the user location and the merchant location within the preset range, the merchant side from the merchant terminal Merchant authentication and approval is performed when the affiliated party's payment amount for the payment approval request matches the user's payment amount for the user's payment approval request from the user terminal.

In one embodiment, the card payment server, characterized in that receiving the user-side payment approval for the user-side payment amount from the user terminal through the phone authentication for the user terminal.

In one embodiment, the card payment server, characterized in that receiving the merchant side payment authorization for the merchant side payment amount from the merchant terminal through the phone authentication for the merchant terminal.

In one embodiment, the card payment server, after confirming the user identification information or the user location and the user-side payment amount in the user-side payment approval request signal received from the user terminal performs the user authentication and approval, the user authentication and approval is completed At the same time, a user-side payment approval completion signal is generated and transmitted to the user terminal, and the user-side payment approval for the user-side payment amount is databased for each user identification information and registered in the database.

In one embodiment, the card payment server, after confirming the merchant identification information or merchant location and the merchant payment amount from the merchant side payment approval request signal received from the merchant terminal, performs merchant authentication and approval, merchant authentication and When the approval is completed, the merchant side payment approval completion signal is generated and transmitted to the merchant terminal, and the merchant side payment approval for the merchant side payment amount is databased by the merchant identification information and registered in the database. do.

In one embodiment, the card payment server, after transferring the user-side payment amount to the payment-only account in accordance with the transfer request received from the user terminal, characterized in that to generate a payment authorization code to give to the user terminal.

In an embodiment of the present disclosure, the affiliated store terminal may identify a current affiliated store location using a location detection unit and notify the card settlement server.

In an embodiment of the present disclosure, the affiliated store terminal requests the affiliated store payment approval for the affiliated party payment amount through the phone authentication with the card payment server.

In one embodiment, when the merchant terminal receives the merchant payment amount through the input means and confirms the request for approval of the merchant payment, the affiliated party payment approval request signal including the merchant payment amount and merchant identification information or location information is input. After generating and transmitting to the card settlement server, receiving the merchant side payment approval completion signal from the card payment server, characterized in that notifying the user of the merchant side payment approval completion.

In an embodiment, the affiliated store terminal may receive a user-side payment amount or a payment approval code contained in the protected card in a contact or contactless manner, and request the merchant payment approval from the card payment server.

In an embodiment, the affiliated store terminal may request an affiliated party payment approval from the card payment server when the user-side payment amount and the merchant-side payment amount input from the protected card are the same.

As a means for solving the above-described problems, according to another aspect of the present invention, after receiving the user-side payment approval for the user-side payment amount received from the user terminal, and receives the user-side payment approval to respond to the user terminal, An interface unit which receives and receives the merchant side payment approval for the merchant side payment approval from the merchant terminal, and receives the merchant side payment approval and responds to the merchant terminal; A user payment approval unit which performs user authentication and approval according to a user side payment approval request transmitted from the interface unit, transfers the user side payment approval to the interface unit, and registers the user side payment approval for the user side payment amount; And an affiliated store payment approval unit configured to perform the affiliate store authentication and approval according to the affiliate store payment approval request transmitted from the interface unit and transmit the affiliate store payment approval to the interface unit.

According to another aspect of the present invention, there is provided a means for solving the above-mentioned problems, the method comprising: requesting a user-side payment approval by a user terminal receiving a user-side payment amount through an input means; The card payment server receives a user-side payment approval for the user-side payment amount from the user terminal, performs user authentication and approval, responds to the user-side payment approval to the user terminal, and registers the user-side payment approval for the user-side payment amount. Making; The user terminal receiving a user's payment approval and notifying the user through an output means; Requesting, by the merchant terminal, an affiliate store payment amount received through an input means and requesting an affiliate store payment approval; Receiving, by the card payment server, an affiliated party payment approval request for an affiliated party payment amount from the affiliated store terminal, performing an affiliated store authentication and approval and responding to the affiliated store terminal payment approval to the affiliated store terminal; And the merchant terminal provides a card payment method that can set the payment amount comprising the step of notifying the merchant through the output means in response to the merchant side payment approval.

Advantageous Effects of the Invention The present invention provides a card payment system, a server, and a method for setting a payment amount implemented so that a payment can be made using a card that can set a payment amount when a product or service is paid. When making a payment for a service, a payment tool containing important information such as personal information is not passed to or exposed to others. In addition, according to the present invention, a safe dedicated payment tool (i.e., a card or a dedicated tool) can be securely paid even if passed to another person, and thus important information such as personal information, theft and hacking of the payment tool, etc. It has an effect that can be prevented.

1 is a view illustrating a card payment system that can set the payment amount according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a card payment server in FIG. 1.

3 is a view illustrating a card payment method that can set the payment amount according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. However, since the description of the present invention is merely an embodiment for structural or functional description, the scope of the present invention should not be construed as being limited by the embodiments described in the text. That is, since the embodiments may be variously modified and may have various forms, the scope of the present invention should be understood to include equivalents for realizing the technical idea. In addition, the objects or effects presented in the present invention does not mean that a specific embodiment should include all or only such effects, the scope of the present invention should not be understood as being limited thereby.

The meaning of the terms described in the present invention will be understood as follows.

Terms such as "first" and "second" are intended to distinguish one component from another component, and the scope of rights should not be limited by these terms. For example, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. When a component is referred to as being "connected" to another component, it should be understood that there may be other components in between, although it may be directly connected to the other component. On the other hand, when a component is said to be "directly connected" to another component, it should be understood that there is no other component in between. On the other hand, other expressions describing the relationship between the components, such as "between" and "immediately between" or "neighboring to" and "directly neighboring", should be interpreted as well.

Singular expressions should be understood to include plural expressions unless the context clearly indicates otherwise, and terms such as "include" or "have" refer to features, numbers, steps, operations, components, parts, or parts thereof described. It is to be understood that the combination is intended to be present and does not exclude in advance the possibility of the presence or addition of one or more other features or numbers, steps, actions, components, parts or combinations thereof.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. Generally, the terms defined in the dictionary used are to be interpreted to coincide with the meanings in the context of the related art, and should not be interpreted as having ideal or excessively formal meanings unless clearly defined in the present invention.

Now, a card payment system, a server, and a method for setting a payment amount according to an embodiment of the present invention will be described in detail with reference to the drawings.

Referring to FIG. 1, a card payment system 100 capable of setting a payment amount includes a plurality of user terminals 110, a card payment server 120, a database 130, a plurality of merchant terminals 140, and a network 150. ).

The user terminal 110 receives the user's payment amount for the goods or services provided from the merchant through the input means, and requests the user's payment approval for the input user's payment amount to the card payment server 120 In response to the user's payment approval from the card payment server 120, the user is notified through the output means.

In an embodiment of the present disclosure, the user terminal 110 may check the current user location by using a location detecting means such as a GPS module and notify the card payment server 120 of the checked user location.

In one embodiment, the user terminal 110 may be a phone such as a mobile phone, a landline phone, etc. used by the user, in this case, the user side through the phone authentication with the card payment server 120 using the phone as an input means The user payment request for the payment amount may be requested to the card payment server 120.

In one embodiment, the user terminal 110 may be a terminal (for example, a communication terminal such as a PC, a laptop, or the like, or a mobile communication terminal such as a smartphone, a mobile phone, a PDA, etc.) used by the user. In this case, after accessing the card payment server 120 through the network 150 generates a download request signal and transmits it to the card payment server 120, a protection-only app (or protect, transmitted from the card payment server 120). Can be downloaded and installed in internal memory.

In an embodiment, the user terminal 110 may include a protect-only app (or a protect-only program), and in this case, when the protect-only app (or a protect-only program) is executed, the network 150 may be executed. By accessing the card payment server 120 through the display means to display the main screen through the display means, such as LCD, touch screen, or can be output through the output means such as speakers, printers.

In one embodiment, when the user terminal 110 is connected to the card payment server 120 through the network 150, the user terminal 110 receives the main screen information transmitted from the card payment server 120, through the display means The main screen can be displayed (or voice output through the output means), in which the user selects a membership from among the selection items on the main screen through an input means such as a keypad or a touch pad (especially a touch screen). In this case, by confirming this, it is possible to generate a registration selection signal (including user identification information) for informing the selected membership entry and transmit it to the card payment server 120, and then the card payment server ( Receive the member registration screen information transmitted from the 120, can display the member registration screen through the display means (or voice output through the output means), When the user inputs his own information (ie, user information) in the input box of the member registration screen and selects member registration through the input means, the user checks this and the member registration request signal including the input user information ( Generate user identification information), and transmit it to the card payment server 120, and then receive a registration registration completion signal sent from the card payment server 120, and register through the display means The completion of registration can be displayed (or voice output through the output means).

In one embodiment, the user terminal 110, when the user selects a login item among the selection items of the main screen through the input means, the login selection signal (user identification information) for confirming this to inform the selected login item It may be generated and transmitted to the card payment server 120, and then receiving the login screen information transmitted from the card payment server 120, and displays the login screen through the display means (or, Voice output through the output means), and when the user inputs a mobile phone number (or ID, user identification information, etc.) and password in the input box of the login screen through the input means and selects the login, Check the login request signal (user identification information) including the inputted mobile phone number (or ID or merchant identification information) and password. It can be generated and transmitted to the card payment server 120, and then receiving the member authentication completion signal transmitted from the card payment server 120, to display the completion of the member authentication through the display means (or , Voice output through the output means).

In one embodiment, the user terminal 110, when the user inputs the user-side payment amount for the goods or services through the input means on the main screen of the protection-only app (or, the protection-only program) and requests the user-side payment approval Check the user-side payment approval request through the corresponding input means, and generate a user-side payment approval request signal (including user identification information (or user location)) including the user-side payment amount input through the input means. After transmitting to the server 120, receiving the user-side payment approval completion signal (which may include a payment approval code) transmitted from the card payment server 120 to display the completion of the user-side payment approval through the display means (or , Voice output through the output means).

In one embodiment, when the user terminal 110 receives a user side payment approval completion signal transmitted from the card payment server 120 (that is, upon completion of payment approval), the user terminal 110 activates the on-screen approval button in an inactive state. To confirm that the user has approved the payment.

In one embodiment, when the user terminal 110 receives the user-side payment approval completion signal transmitted from the card payment server 120 (that is, at the completion of the payment approval), the card which can set the payment amount of the user-side payment amount. You can type in Here, the card which can set the payment amount is referred to as a "protection type card" as a payment card.

In one embodiment, the protected type card is a payment-only card equipped with a protection function, and may refer to a secure payment means that receives a user's payment amount and approves payment only as much as the user's payment amount.

In one embodiment, the protected card may include both a contact payment means or a non-contact payment means, for example, a payment means using a magnetic, a payment means using an IC chip, a payment means using NFC, a Bluetooth It may be one of a payment means, a non-contact payment means not included, and the like, and may receive and store a user's payment amount and use it at the time of payment at a merchant.

In an embodiment, when the user presses an activation button in an activated state, the user terminal 110 may input a user-side payment amount into a protected card in a contact or contactless manner.

In an embodiment, when the user presses an approval button in an activated state, the user terminal 110 may input the user's payment amount into the protected type card using one of magnetic, IC chip, NFC, and Bluetooth. For example, a rechargeable bus card with an integrated IC chip can be used as a protected card.

In an embodiment, when the user terminal 110 contacts the protected type card, the user terminal 110 inputs a payment approval code including a payment amount of the user side into the protected type card to use the protected type card at the time of payment at the affiliated store. Can be.

In one embodiment, the user terminal 110, after requesting the card payment server 120 to transfer the user-side payment amount to the payment-only account, receives the payment authorization code from the card payment server 120 and enters into the protected type card In this way, a protected card can be used for payment at the merchant.

The card payment server 120 receives a user-side payment approval for the user-side payment amount from the user terminal 110, performs user authentication and approval according to the user-side payment approval request, and sends the user-side payment approval to the user terminal 110. At the same time, the user-side payment approval for the user-side payment amount is registered in the database 130, and the merchant-side payment approval is requested for the merchant-side payment amount from the merchant terminal 140, and according to the merchant-side payment approval request. The merchant performs authentication and approval and responds to the merchant terminal 140 for the merchant side payment approval.

In an embodiment, the card payment server 120 may include a financial institution, a financial settlement institution, and the like, and at the time of merchant authentication and approval, the merchant side payment for the merchant side payment approval request from the merchant terminal 140. Merchant authentication and approval may be performed only when the amount coincides with the user-side payment amount for the user-side payment approval request from the user terminal 110.

In one embodiment, the card payment server 120, at the time of authentication and approval of the merchant, when the user's current location and the merchant's location are within the preset range by checking the current location of the merchant at the same time Only, if the merchant-side payment amount for the merchant-side payment approval request from the merchant terminal 140 matches the user-side payment amount for the user-side payment approval request from the user terminal 110, the merchant authentication and approval may be performed. Can be.

In one embodiment, when the user terminal 110 is a telephone, the card payment server 120 grants the user side payment approval for the user side payment amount from the user terminal 110 through phone authentication on the user terminal 110. You may be asked.

In one embodiment, the card payment server 120, if the merchant terminal 140 is a telephone, the merchant side payment for the merchant-side payment amount from the merchant terminal 140 through phone authentication for the merchant terminal 140. You may be asked for approval.

In one embodiment, the card payment server 120 receives a download request signal transmitted from the user terminal 110 (or the merchant terminal 140), and stores a protection-only app (or a protection-only program) in a database ( The read-only app can be read from the 130 and transmitted to the user terminal 110 (or the merchant terminal 140).

In one embodiment, the card payment server 120 checks this when the user terminal 110 (or the merchant terminal 140) is connected through the network 150, the main screen information from the database 130 The read main screen information may be transmitted to the user terminal 110 (or the affiliated store terminal 140).

In one embodiment, the card payment server 120 receives the member selection selection signal transmitted from the user terminal 110 (or affiliated store terminal 140) and the user identification information (or Check the member identification information, and read the member registration screen information corresponding to the identified user identification information (or the merchant identification information) from the database 130 and read the corresponding member registration screen information. (Or, it may be transmitted to the affiliated store terminal 140).

In one embodiment, the card payment server 120 receives the member registration request signal transmitted from the user terminal 110 (or the merchant terminal 140), the user information (or, The merchant information) and the user identification information (or, merchant identification information), and the identified user information (or, merchant information) is databased by the identified user identification information (or, merchant identification information) database 130 ), And then generate a registration registration completion signal and transmit it to the user terminal 110 (or, merchant terminal 140).

In one embodiment, the card payment server 120 receives the login selection signal transmitted from the user terminal 110 (or the affiliated store terminal 140), the user identification information (or affiliated store) from the received login selection signal Identification information), and reads login screen information corresponding to the identified user identification information (or affiliated store identification information) from the database 130 and reads the read login screen information to the user terminal 110 (or affiliated store). It may be transmitted to the terminal 140.

In one embodiment, the card payment server 120 receives the login request signal transmitted from the user terminal 110 (or the merchant terminal 140), the user terminal 110 (or, merchant terminal 140). ) Is a valid terminal (for example, whether the mobile phone number and password match, whether the payment payment, etc.), the mobile phone number (or ID, etc.), password and The user identification information (or affiliated store identification information) is checked, and the mobile phone number and password registered in advance corresponding to the identified user identification information (or affiliated store identification information) are read from the database 130, and the corresponding confirmation. The mobile phone number and the password and the read mobile phone number and the password correspond to each other, and the confirmed user terminal 110 (or, the merchant terminal 140) is justified. In the case of a terminal, a member authentication completion signal may be generated and transmitted to the user terminal 110 (or the affiliated store terminal 140).

In an embodiment, the card payment server 120 receives the user side payment approval request signal transmitted from the user terminal 110 and receives user identification information (or user location) and user side payment from the received user side payment approval request signal. After verifying the amount and performing user authentication and approval on whether the user corresponding to the identified user identification information may approve the confirmed user-side payment amount, the user-side payment approval when the user authentication and approval is completed. Generate a completion signal (which may include a payment authorization code) and transmit it to the user terminal 110, and register the user side payment approval for the user side payment amount by database by user identification information and register it in the database 130. Can give

In one embodiment, the card payment server 120 receives the affiliated party payment approval request signal transmitted from the affiliated store terminal 140, the affiliated store identification information (or affiliated store location) from the received affiliated party payment approval request signal; After the merchant verification and approval is completed, the merchant can check the payment amount of the merchant, and after performing the merchant authentication and approval of whether the authorized merchant payment amount may be approved to the merchant corresponding to the confirmed merchant identification information. In addition, by generating a merchant approval approval completion signal (which may include a payment approval code) and transmits to the merchant terminal 140, and at the same time the merchant side payment approval for the merchant payment amount by the merchant identification information database It may be registered in the database 130.

In one embodiment, the card payment server 120 receives the transfer request from the user terminal 110, transfers the user's payment amount to the payment-only account, generates a payment approval code and assigns it to the user terminal 110. Can give

The database 130 stores the user-side payment approval for the user-side payment amount registered from the card payment server 120 in a database for each user.

In an embodiment, the database 130 may preset and store a protect-only app (or a protect-only program) for providing payment using a protected card.

In one embodiment, the database 130 may include information related to the user (eg, mobile phone number, password, address, email address, name, age, gender, occupation, interests, disposition, nickname, self-introduction, image). , Location, etc.) can be stored as a database by the user identification information, and also related to the merchant information (for example, mobile phone number, password, merchant name, address, email address, name, gender check, nickname, self-introduction, Image, location, etc.) can be stored in a database for each merchant identification information.

In an embodiment, the database 130 may include information about a main screen including information about an optional item (eg, an item such as membership, login, payment approval request, etc.), and a plurality of input fields (eg, Information on the registration screen (or fields such as mobile phone number, password, address, email address, name, gender check, nickname, self introduction, image, etc.) or user identification information (or merchant identification information) Membership registration screen information), information on the login screen, information on the payment approval request screen, and information on the payment approval completion screen including the approval button may be set and stored in advance.

In one embodiment, the database 130 may store the merchant-side payment approval for the merchant-side payment amount registered from the card payment server 120 for each affiliated store and make a database.

Merchant terminal 140, the merchant receives the merchant payment amount for the goods or services provided by the merchant through the input means, the merchant payment approval for the merchant payment for the corresponding merchant payment amount input card payment server 120 After requesting, the merchant receives a payment approval from the card payment server 120 and notifies the merchant through the output means.

In an embodiment, the affiliated store terminal 140 may check the current affiliated store location by using a location detecting means such as a GPS module, and notify the card settlement server 120 of the confirmed affiliated store location.

In one embodiment, the merchant terminal 140 may be a phone such as a mobile phone, a landline phone, etc. used by the merchant, and in this case, the merchant through the phone authentication with the card payment server 120 using the phone as an input means. The merchant payment request for the affiliated party payment amount may be requested to the card payment server 120.

In one embodiment, the merchant terminal 140 is a terminal used by the merchant (for example, a communication terminal such as a PC, a laptop, or the like, or a mobile communication terminal such as a smartphone, a mobile phone, a PDA, a POS terminal, a card payment terminal, etc.). Etc.), and may install a protection-only app in the same manner as the protection-only app installation in the user terminal 110 as described above, and also as a member registration in the user terminal 110 as described above. Registration may be performed, and login may be performed in the same manner as the login in the user terminal 110 as described above, and payment approval may be performed in the same manner as the payment approval request in the user terminal 110 as described above. You can fulfill the request.

In one embodiment, the merchant terminal 140, the merchant owner inputs the merchant-side payment amount for the goods or services through the input means on the main screen of the protection-only app (or, protection-only program) and requests the merchant-side payment approval In the case of confirming, the merchant side payment approval request through the corresponding input means, and the merchant side payment approval request signal including the merchant side payment amount input through the corresponding input means (including merchant identification information (or, merchant location)). After generating and transmitting to the card payment server 120, receiving the merchant side payment approval completion signal (which may include a payment approval code) transmitted from the card payment server 120 to complete the merchant side payment approval It can be displayed (or voice output through the output means) through the display means.

In one embodiment, when the merchant terminal 140 is one of a communication capable terminal, a mobile communication terminal, a POS terminal, a card payment terminal, and the like, the user-side payment contained in the contact type or contactless type protected card as described above. Receiving the amount (or payment authorization code including the user-side payment amount), the merchant payment request may be requested to the card payment server 120. In this case, the affiliated store terminal 140 may request the affiliated party payment approval only when the input user-side payment amount and the merchant-side payment amount are the same.

The network 150 includes a wired communication network or a wireless communication network, and connects the plurality of user terminals 110 and the card payment server 120 by wire or wireless communication to perform data transmission and reception with each other. The payment server 120 and the plurality of affiliated terminal 140 are connected by wire or wireless communication to perform data transmission and reception between each other.

The card payment system 100 capable of setting a payment amount having the above-described configuration implements a payment for a product or a service by using a protected card at the time of payment for a product or a service. Do not pass or expose payment tools containing important information, such as personal information, to others when you perform them, and you can pay safely even if you pass them to others using only secure payment tools (ie cards or tools). In addition, it is possible to prevent theft and hacking of important information, such as personal information, or payment tools.

FIG. 2 is a diagram illustrating a card payment server capable of setting a payment amount in FIG. 1.

Referring to FIG. 2, the card settlement server 120 includes an interface unit 121, a user payment approval unit 122, and an affiliated store payment approval unit 123.

The interface unit 121 communicates with a plurality of user terminals 110 and a plurality of affiliated store terminals 140 through a network 150, and has unique identification information (eg, user identification information and affiliated stores) that each has its own. Identification information, etc.) to identify each of the user terminal 110 and the merchant terminal 140 connected to the corresponding communication, and the user payment approval unit 122 receives a user side payment approval for the user side payment amount from the user terminal 110. After the transfer to, the user side payment approval response transmitted from the user payment approval unit 122 is transmitted to the user terminal 110, and also receives the merchant side payment approval request for the merchant side payment amount from the merchant terminal 140. After the transfer to the merchant payment approval unit 123, the merchant payment approval response transmitted from the merchant payment approval unit 123 is transmitted to the merchant terminal 140. .

The user payment approval unit 122 performs user authentication and approval according to the user-side payment approval request transmitted from the interface unit 121, and responds to the user-side payment approval to the interface unit 121. The user-side payment approval is registered in the database 130.

In one embodiment, the user payment approval unit 122, when the user terminal 110 is a telephone, performs a phone authentication to the user terminal 110 through the interface unit 121 from the user terminal 110 The user side payment approval for the user side payment amount may be requested through the interface unit 121.

In one embodiment, when the user payment approval unit 122 receives the user side payment approval request signal transmitted from the user terminal 110 through the interface unit 121, the user in the received user side payment approval request signal After verifying the identification information (or user location) and the user-side payment amount, and performing user authentication and approval on whether the user corresponding to the confirmed user identification information may approve the confirmed user-side payment amount, When the user authentication and approval is completed, a user side payment approval completion signal (which may include a payment approval code) is generated and transmitted to the user terminal 110 through the interface unit 121, and at the same time, The user-side payment approval may be databased for each user identification information and registered in the database 130.

In one embodiment, when the user payment approval unit 122 receives the transfer request transmitted from the user terminal 110 through the interface unit 121, after transferring the user-side payment amount to the payment-only account, The payment approval code may be generated and given to the user terminal 110 through the interface unit 121.

The affiliated store payment approval unit 123 performs the merchant authentication and approval according to the merchant side payment approval request transmitted from the interface unit 121 and responds to the merchant side payment approval to the interface unit 121.

In one embodiment, the merchant settlement approval unit 123 may include a financial institution or a financial settlement institution, and at the time of merchant authentication and approval, the merchant side from the merchant terminal 140 through the interface unit 121. Merchant authentication and approval may be performed only when the payment amount of the merchant side for the payment approval request matches the user side payment amount for the user side payment approval request from the user terminal 110 through the interface unit 121.

In one embodiment, the merchant settlement approval unit 123, at the time of authentication and approval of the merchant, confirms the current position of the user and at the same time checks the current position of the affiliated store when the user position and the merchant position are within a preset range. Only, the merchant-side payment amount for the merchant-side payment approval request from the affiliated store terminal 140 through the interface unit 121 is changed to the user-side payment approval request from the user terminal 110 through the interface unit 121. Merchant authentication and authorization can only be performed if it matches the user's payment amount.

In one embodiment, the merchant settlement approval unit 123, when the merchant terminal 140 is a phone, performs a phone authentication for the merchant terminal 140 through the interface unit 121 from the merchant terminal 140 The merchant side payment approval may be requested for the merchant side payment amount through the interface unit 121.

In one embodiment, when the merchant payment approval unit 123 receives the merchant side payment approval request signal transmitted from the merchant terminal 140 through the interface unit 121, the corresponding merchant side payment approval request signal is received. You can check the merchant identification information (or merchant location) and the merchant payment amount, and the merchant authentication and approval for whether the merchant payment corresponding to the confirmed merchant identification information may be approved for the confirmed merchant payment amount. After performing, when the merchant authentication and approval is completed, the merchant side payment approval completion signal (which may include a payment approval code) is generated and transmitted to the merchant terminal 140 through the interface unit 121, The affiliated party payment approval for the affiliated party payment amount may be databased by the affiliated store identification information and registered in the database 130.

The card payment server 120 having the above configuration may further include a download management unit 124.

When the download management unit 124 receives the download request signal transmitted from the user terminal 110 (or the merchant terminal 140) through the interface unit 121, a protection-only app (or a protection-only program) Is read from the database 130 and transmits the read protection-only app to the user terminal 110 (or merchant terminal 140) through the interface unit 121.

The card payment server 120 having the configuration as described above may further include a member manager 125.

When the member management unit 125 receives the membership selection selection signal transmitted from the user terminal 110 (or the affiliated store terminal 140) through the interface unit 121, the user management unit 125 receives the user from the received membership registration selection signal. Check the identification information (or affiliated store identification information), read the registration screen information corresponding to the identified user identification information (or affiliated store identification information) from the database 130 and interface the read member registration screen information It transmits to the user terminal 110 (or, merchant terminal 140) through the unit 121, and then the membership request signal transmitted from the user terminal 110 (or, merchant terminal 140). In the case of receiving through the interface unit 121, the user information (or affiliated store information) and the user identification information (or affiliated store identification information) are checked in the received member registration request signal. The user information (or affiliated store information) is databased by the identified user identification information (or affiliated store identification information) and registered in the database 130, and then a member registration registration completion signal is generated to generate the interface unit 121. Through the transmission to the user terminal 110 (or, merchant terminal 140), and also receives the login selection signal transmitted from the user terminal 110 (or, merchant terminal 140) received corresponding login selection The user identification information (or affiliated store identification information) is checked from the signal, and the login screen information corresponding to the identified user identification information (or affiliated store identification information) is read from the database 130 and the read login screen information is read. After transmitting to the user terminal 110 (or the merchant terminal 140), the login request signal transmitted from the user terminal 110 (or merchant terminal 140) inter In case of receiving through the exchange unit 121, whether the user terminal 110 (or the affiliated terminal 140) is a legitimate terminal (for example, whether a mobile phone number and a password match, whether a payment is made, etc.). ) Check the mobile phone number (or ID, etc.), password and user identification information (or, merchant identification information) in the received login request signal, and the corresponding user identification information (or, merchant identification) Information), the previously registered mobile number and password are read out from the database 130, and the checked mobile number and password are compared with the read mobile number and password, and the corresponding confirmation If the user terminal 110 (or, merchant terminal 140) is a legitimate terminal member authentication completion signal is generated by the user terminal 110 (or, merchant terminal 140) Send it to)).

In one embodiment, the member manager 125 checks through the interface unit 121 when the user terminal 110 (or the merchant terminal 140) is connected through the network 150, the database 130 The main screen information may be read from the main screen information, and the read main screen information may be transmitted to the user terminal 110 (or the merchant terminal 140) through the interface unit 121.

Referring to FIG. 3, when a user receives a user-side payment amount for a product or service provided from an affiliated store through an input means, the user terminal 110 receives a user-side payment for the user-side payment amount input through an input means. The request is made to the card payment server 120 (S301).

In requesting the user's payment approval in step S301 described above, in the case where the position sensing means such as the GPS module is provided, the user terminal 110 confirms the current user position using the position sensing means and confirms the corresponding user. The card payment server 120 may be notified of the location.

In requesting the user side payment approval in step S301 described above, when the user terminal 110 is a phone such as a mobile phone or a landline phone used by the user, the card payment server 120 uses the phone as an input means. The phone payment server 120 may request the card payment server 120 to approve the user's payment for the user's payment amount.

In requesting the user-side payment approval in step S301 described above, in the main screen of the protection-only app (or, the protection-only program), the user inputs the user-side payment amount for a product or service through an input means and requests the user-side payment approval. In this case, the user terminal 110 checks the user's payment approval request through the corresponding input means and transmits a user's payment approval request signal (user identification information (or user's location)) including the user's payment amount input through the input means. It may be generated and transmitted to the card payment server 120.

In requesting the user side payment approval in step S301 described above, the user terminal 110 may request the card payment server 120 to transfer the user side payment amount to the payment-only account.

When the user-side payment approval is requested in step S301 described above, the card payment server 120 receives the user-side payment approval for the user-side payment amount from the user terminal 110, and authenticates and authorizes the user according to the corresponding user-side payment approval request. In response to the user-side payment approval to the user terminal 110 by performing, the user-side payment approval for the user-side payment amount is registered in the database 130 (S302).

In the response and registration of the user-side payment approval in step S302 described above, when the user terminal 110 is a telephone, the card payment server 120, through the phone authentication to the user terminal 110, the user terminal 110 From the user side payment request for the user-side payment amount may be requested.

In answering and registering the user side payment approval in step S302, the card payment server 120 receives the user side payment approval request signal transmitted from the user terminal 110 and identifies the user in the received user side payment approval request signal. Information (or user location) and the user-side payment amount, and after the user authentication and approval of whether the user corresponding to the identified user identification information may approve the confirmed user-side payment amount, When the authentication and approval is completed, a user-side payment approval completion signal (which may include a payment approval code) is generated and transmitted to the user terminal 110, and the user-side payment approval for the user-side payment amount is determined by the user identification information. The database may be registered in the database 130.

In the response and registration of the user's payment approval in step S302 described above, the card payment server 120 receives the transfer request from the user terminal 110 and transfers the user's payment amount to the payment-only account, the payment approval code. It can be given to the user terminal 110 by generating a.

When the user-side payment approval is registered and responded in step S302 described above, the user terminal 110 receives the user-side payment approval from the card payment server 120 and notifies the user through the output means (S303).

When notifying the user side payment approval response in step S303 described above, the user terminal 110 receives the user side payment approval completion signal (which may include a payment approval code) transmitted from the card payment server 120 to the corresponding user side. Completion of payment approval can be displayed via the display means (or voice output through the output means).

When notifying the user side payment approval response in step S303 described above, when the user side payment approval completion signal transmitted from the card payment server 120 is received (that is, when the payment approval is completed), the user terminal 110 displays a screen. The approval button of the user can be notified from the deactivated state to the activated state to inform the user of the completion of user side approval.

When notifying the user side payment approval response in step S303 described above, when the user side payment approval completion signal transmitted from the card payment server 120 is received (that is, at the completion of the payment approval), the user terminal 110 displays the user side. You can enter the payment amount into a protected card, which is a payment card.

In the notification of the user's payment approval response in step S303 described above, when the approval button in the activated state is pressed, the user terminal 110 may input the user's payment amount into the protected type card in a contact or contactless manner.

In the notification of the user's payment approval response in step S303 described above, when the user presses an approval button in an activated state, the user terminal 110 protects the user's payment amount using one of magnetic, IC chip, NFC, and Bluetooth. You can enter it on the card.

In the notification of the user-side payment approval response in step S303 described above, in the case of contacting the protected-type card, the user terminal 110 inputs a payment approval code including the user-side payment amount into the protected-type card and makes payment at the affiliated store. A protected card can be used at the time.

In notifying the user's payment approval response in step S303, the user terminal 110 receives a payment approval code from the card payment server 120 and inputs it into a protected card to protect the card at the time of payment at the merchant. Can be used.

After notifying the user's payment approval response in step S303 described above, when the merchant receives the merchant's payment amount for the product or service provided to the user through the input means, the merchant terminal 140, through the input means, The merchant side payment authorization for the input merchant amount payment received is requested to the card payment server 120 (S304).

In requesting the merchant side payment approval in step S304 described above, in the case of having a position detecting means such as a GPS module, the affiliated store terminal 140 checks the current position of the affiliated store using the position detecting means and checks the corresponding position. The merchant location may be notified to the card settlement server 120.

In requesting the merchant side payment approval in step S304 described above, when the merchant terminal 140 is a phone such as a mobile phone or a landline phone used by the merchant, the card payment server 120 is used as an input means. ) Through the phone authentication may request the card payment server 120 for the merchant payment approval for the merchant payment amount.

In requesting the merchant side payment approval in step S304 described above, the merchant owner inputs the merchant side payment amount for the product or service through the input means on the main screen of the protection-only app (or, the protection-only program) and approves the merchant side payment. In the case of requesting, the merchant terminal 140 checks the merchant side payment approval request through the corresponding input means, and confirms the merchant side payment approval request signal including the merchant side payment amount input through the corresponding input means (merchant identification information ( Or, including the merchant location) may be generated and transmitted to the card payment server 120.

In requesting the merchant side payment approval in step S304 described above, when the affiliated store terminal 140 is one of a communication capable terminal, a mobile communication terminal, a POS terminal, a card payment terminal, and the like, the user side payment contained in a protected card. Receiving the amount (or payment authorization code including the user-side payment amount) by contact or contactless, the merchant payment request may be requested to the card payment server 120. In this case, the affiliated store terminal 140 may request the affiliated party payment approval only when the input user-side payment amount and the merchant-side payment amount are the same.

When requesting the merchant side payment approval in step S304 described above, the card payment server 120 receives the merchant side payment approval for the merchant side payment amount from the merchant terminal 140 and according to the merchant side payment approval request. The merchant performs authentication and approval to respond to the affiliated store payment approval to the merchant terminal 140 (S305).

In response to the affiliated party payment approval in step S305 described above, in the case of including a financial institution, a financial settlement institution, or the like, the card payment server 120, at the time of affiliated store authentication and approval, the affiliated store from the affiliated store terminal 140. Merchant authentication and approval may be performed only when the affiliate store payment amount for the side payment approval request matches the user side payment amount for the user side payment approval request from the user terminal 110.

In response to the affiliated party payment approval in step S305 described above, upon authentication and approval of the affiliated store, the card payment server 120 confirms the current location of the user at the same time as the user location and the affiliated store location. Is within the preset range of each other, the merchant-side payment amount for the merchant-side payment approval request from the merchant terminal 140 is equal to the user-side payment amount for the user-side payment approval request from the user terminal 110. Merchant authentication and approval can only be performed.

In response to the affiliated party payment approval in step S305 described above, when the affiliated store terminal 140 is a telephone, the card payment server 120, from the affiliated store terminal 140 through phone authentication to the affiliated store terminal 140; The merchant may be requested to approve the merchant payment for the merchant payment.

In response to the affiliated party payment approval in step S305 described above, the card payment server 120 receives the affiliated party payment approval request signal transmitted from the affiliated store terminal 140 and receives the affiliated party payment approval request signal from the affiliated store payment approval request signal. You can check the identification information (or the merchant location) and the payment amount of the merchant side, and perform the merchant authentication and approval on whether or not the authorized merchant payment amount may be approved to the merchant corresponding to the confirmed merchant identification information. Later, when the merchant authentication and approval is completed, the merchant side payment approval completion signal (which may include a payment approval code) is generated and transmitted to the merchant terminal 140, and the merchant side payment for the merchant side payment amount. The approval may be registered in the database 130 by database by the affiliate store identification information.

When responding to the merchant payment approval in step S305 described above, the merchant terminal 140 receives the merchant payment approval from the card payment server 120 to notify the merchant through the output means (S306).

In reporting the affiliated party payment approval response in step S306, the affiliated store terminal 140 receives the affiliated party payment approval completion signal (which may include a payment approval code) transmitted from the card payment server 120. Completion of the affiliated party payment approval can be displayed (or voice output through the output means) through the display means.

On the other hand, before requesting the user side payment approval in step S301 described above or requesting the merchant side payment approval in step S304 described above, the user terminal 110 (or the merchant terminal 140) is a terminal used by the user. (For example, a mobile communication terminal such as a PC, a laptop, or the like, or a mobile communication terminal such as a smartphone, a mobile phone, a PDA, etc.), the download request signal is connected to the card payment server 120 through the network 150 May be generated and transmitted to the card payment server 120. Accordingly, the card payment server 120 receives the download request signal transmitted from the user terminal 110 (or the merchant terminal 140), and stores a protection-only app (or a protection-only program) from the database 130. The read-only app can be read and transmitted to the user terminal 110 (or the merchant terminal 140). Then, the user terminal 110 (or the merchant terminal 140) may download a protect-only app (or a protect-only program) transmitted from the card payment server 120, and install it in the internal memory.

When the user terminal 110 (or the merchant terminal 140) includes a protection-only app (or a protection-only program), when the user terminal 110 executes a protection-only app (or a protection-only program), the user terminal 110 (or the merchant terminal 140) is connected to the card payment server 120 through the network 150 to display the main screen through the display means through the display means, such as LCD, touch screen, or It can be output through an output means such as a speaker, a printer. In this case, the card payment server 120 checks this when the user terminal 110 (or the merchant terminal 140) is connected through the network 150, and reads main screen information from the database 130. The read main screen information may be transmitted to the user terminal 110 (or the affiliated store terminal 140). Thus, when the user terminal 110 (or the merchant terminal 140) accesses the card payment server 120 through the network 150, the user terminal 110 (or the merchant terminal 140) receives main screen information transmitted from the card payment server 120. In response, the main screen can be displayed through the display means (or voice output through the output means).

When the user (or affiliated store owner) selects a member registration item from the selection items on the main screen through an input means such as a keypad, a touch pad (particularly, a touch screen), the user terminal 110 (or the merchant terminal ( 140) may generate a member selection selection signal (including user identification information (or affiliated store identification information)) indicating the selected member entry by checking it and transmit it to the card settlement server 120. have. Then, the card payment server 120 receives the member registration selection signal transmitted from the user terminal 110 (or affiliated store terminal 140) and the user identification information (or affiliated store identification) from the received member registration selection signal. Information), and the member registration screen information corresponding to the identified user identification information (or affiliated store identification information) is read from the database 130 and the read member registration screen information is read by the user terminal 110 (or, The merchant terminal 140 may be transmitted. Accordingly, the user terminal 110 (or the merchant terminal 140) receives the member registration screen information transmitted from the card settlement server 120, and displays the member registration screen through the display means (or output means). Voice output through), and when the user enters his own information (ie user information) in the input box on the member registration screen through the input means and selects membership, it is checked and entered The member registration request signal (including user identification information) including user information may be generated and transmitted to the card settlement server 120. And the card payment server 120 receives the member registration request signal transmitted from the user terminal 110 (or affiliated store terminal 140) and the user information (or affiliated store information) from the received member registration request signal; The user identification information (or affiliated store identification information) is checked, and the identified user information (or affiliated store information) is databased by the identified user identification information (or affiliated store identification information) and registered in the database 130. Next, a registration registration completion signal may be generated and transmitted to the user terminal 110 (or the affiliated store terminal 140). Then, the user terminal 110 (or merchant terminal 140) receives the registration registration completion signal transmitted from the card payment server 120, and displays (or outputs) the completion of the membership registration through the display means Voice output through means).

When the user (or affiliated store owner) selects a login item from among the selection items on the main screen through the input means, the user terminal 110 (or the affiliated store terminal 140) checks the selected login item. It may generate a login selection signal (including user identification information (or affiliated store identification information)) to inform the card payment server 120. Accordingly, the card payment server 120 receives the login selection signal transmitted from the user terminal 110 (or the affiliated store terminal 140), and user identification information (or affiliated store identification information) from the received login selection signal. The log-in screen information corresponding to the identified user identification information (or affiliated store identification information) is read from the database 130, and the read-out login screen information is read from the user terminal 110 (or, affiliated store terminal 140). Can be sent to)). Then, the user terminal 110 (or merchant terminal 140) receives the login screen information transmitted from the card payment server 120, and displays the login screen through the display means (or voice through the output means) If the user enters a mobile phone number (or ID, user identification information, etc.) and password in the input box of the login screen through input means and selects login, the user inputs the mobile phone number. A login request signal (including user identification information) including a mobile phone number (or ID or affiliated store identification information) and a password may be generated and transmitted to the card settlement server 120. Accordingly, the card payment server 120 receives the login request signal transmitted from the user terminal 110 (or the merchant terminal 140), and the user terminal 110 (or the merchant terminal 140) is legitimate. It checks whether it is a terminal (for example, whether the mobile phone number and password match, and whether the payment is made). In this case, the mobile phone number (or ID, etc.), password, and user identification information are received from the received login request signal. (Or, affiliated store identification information) is checked, and the mobile phone number and password previously registered corresponding to the identified user identification information (or affiliated store identification information) are read from the database 130, and the confirmed mobile phone Comparing the number and password and the read cell phone number and password corresponding to each other, the corresponding user terminal 110 (or merchant terminal 140) is a valid terminal To generate a user identification completion signal when the user terminal 110 (or the merchant terminal 140) can give you sent to. In addition, the user terminal 110 (or the merchant terminal 140) receives the member authentication completion signal transmitted from the card payment server 120, and displays the member authentication completion through the display means (or through the output means). Voice output).

As described above, the embodiment of the present invention is not implemented only through the above-described apparatus and / or operation method, but through a program for realizing a function corresponding to the configuration of the embodiment of the present invention, a recording medium on which the program is recorded, and the like. The implementation may be easily implemented by those skilled in the art to which the present disclosure pertains based on the description of the above-described embodiments. Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

Claims

A user terminal which receives the user-side payment amount through the input means and requests the user-side payment approval, and then receives the user-side payment approval and notifies the user through the output means;

An affiliated store terminal that receives an affiliated party payment amount through an input unit and requests the affiliated party payment approval, and then receives an approval from the affiliated party payment and notifies the affiliated store through an output unit;

Receiving a user-side payment approval for the user-side payment amount from the user terminal, performs user authentication and approval to respond to the user-side payment approval to the user terminal, at the same time register the user-side payment approval for the user-side payment amount, the merchant A card payment server receiving a request for payment of an affiliated store payment for the affiliated party payment amount from the terminal, performing authentication and approval of the affiliated store, and responding to the affiliated store terminal for approval of the affiliated party payment; And

Card payment system that can be set up a payment amount including a database for storing the user-side payment authorization for the user-side payment amount registered from the card payment server for each user database.
The method of claim 1, wherein the user terminal,

A card payment system capable of setting a payment amount, characterized in that when the payment approval is completed, the user's payment amount is input to the protected card.
The card of claim 2, wherein the protected card is provided.

Card payment system that can be set to the payment amount, characterized in that the safe payment means to receive the user-side payment amount, the payment is approved only for the input user-side payment amount.
The card of claim 2, wherein the protected card is provided.

Card payment system capable of setting the payment amount, characterized in that the contact payment means or contactless payment means.
After receiving and transmitting a user-side payment approval for the user-side payment amount from the user terminal, after receiving the user-side payment approval and responding to the user terminal, after receiving and requesting the merchant-side payment approval for the merchant-side payment amount from the merchant terminal, An interface unit receiving the payment approval from the merchant and responding to the merchant terminal;

A user payment approval unit which performs user authentication and approval according to a user side payment approval request transmitted from the interface unit, transfers the user side payment approval to the interface unit, and registers the user side payment approval for the user side payment amount; And

A card payment server capable of setting a payment amount including a merchant payment approval unit for performing an affiliate store authentication and approval according to an affiliate store payment approval request transmitted from the interface unit and transferring the affiliate store payment approval to the interface unit.
Requesting, by the user terminal, the user's payment approval through the input means;

The card payment server receives a user-side payment approval for the user-side payment amount from the user terminal, performs user authentication and approval, responds to the user-side payment approval to the user terminal, and registers the user-side payment approval for the user-side payment amount. Making;

The user terminal receiving a user's payment approval and notifying the user through an output means;

Requesting, by the merchant terminal, an affiliate store payment amount received through an input means and requesting an affiliate store payment approval;

Receiving, by the card payment server, an affiliated party payment approval request for an affiliated party payment amount from the affiliated store terminal, performing an affiliated store authentication and approval and responding to the affiliated store terminal payment approval to the affiliated store terminal; And

And receiving, by the merchant terminal in response to the merchant side payment approval, notifying the merchant through an output means.