JP2009129377A - Settlement processing system by off-line transaction approval system for mobile card and its method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a settlement processing system by an off-line transaction approval system for a mobile card and its method capable of reducing card approval costs and processing time, allowing penetration of a card to a small amount cash market having difficulty in access of a card issuing company because of a problem of the approval costs. <P>SOLUTION: The settlement processing system receives issuance of card information and conditional information of off-line transaction approval in a mobile device such as a cellular phone to use the information by a mobile card 10, and loads a black list (B/L) on an applicable card of the mobile device through OTA when a black list (B/L) item is generated in a computer center server of the card issuing company. The settlement processing system is constituted so that B/L confirmation is performed from the mobile device when the card is used, transaction communication is performed with a card reader terminal 23 of a member store only when the card is usable, use approval is performed when the card matches to off-line approval conditions such as a transaction amount and use frequencies, transaction breakdown is stored in the card reader terminal to perform batch processing settlement later. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to transaction approval for mobile card payment, and more particularly, to a payment processing system and method using an off-line transaction approval method for a mobile card.

  Recently, plastic magnetic cards and plastic IC cards that are easier to use and carry than cash have been used as payment means. There are various types of cards depending on the type of payment, such as credit cards, check cards, direct payment cards, and gift cards. Such a plastic magnetic card or an IC-attached plastic card must be subjected to an online approval procedure for receiving a transaction approval from a card company through a card reader terminal of a card member store in all transactions. Hereinafter, this point will be described with reference to FIG.

  FIG. 1 is a diagram showing a settlement procedure by an online (On-Line) transaction approval method for an existing plastic card.

  As shown in FIG. 1, first, a user presents a plastic card to a member store for settlement (A). The member store uses a credit card inquiry terminal (CAT: Credit Authorization Terminal) or a POS (Point Of Sale) card reader terminal (MSR: Magnetic Stripe Reader) to show the card information of the card presented by the user (customer). Input the amount of read, use amount, service fee, etc. and installment transaction number of months (B).

  Next, via a van (Value Added Network) connected to the card inquiry terminal (CAT / POS) to confirm whether the card is on the black list (B / L). Then, a transaction approval request is made to the card company (issuer of the corresponding card) (C).

  The card issuing company's computer center stores and manages all user information, ie, B / L, on its own server based on exceeding the limit, expiration of validity period, theft, loss and bad credit. . Therefore, the computer issuing center of the card issuing company determines whether or not the use of the card is approved by comparing the B / L with respect to the card for which the transaction approval request is made. Next, the computer issuing center of the card issuing company makes a response regarding the transaction approval to the card inquiry terminal which has requested the transaction approval via the VAN according to the determination result (D).

  If the response result of the transaction approval request from the computer center is “approved”, the card inquiry terminal (CAT / POS) of the member store outputs the transaction breakdown together with the approval number to the sales slip (E). As a result, the member store requests the customer's autograph in the signature column of the output sales slip (F). The customer hands the signed sales slip to the member store (G). Next, after confirming the identity of the merchant by comparing the customer signature of the sales slip and the signature on the card surface (H), the merchant returns the card to the customer and hands over one copy of the sales slip receipt ( I).

  In such a plastic card settlement, in all transactions, the transaction approval procedure must be executed online from the card reader terminal of the card member store to the server of the card company's computer center. As a result, an approval fee of 80 to 100 won per transaction and labor required for transaction approval are generated. This is extremely difficult to apply to users who require quick settlement, such as public transportation such as subways, and small transactions of less than 10,000 won (less than US $ 10).

  Therefore, recently, a method capable of quick settlement by offline transaction approval has been proposed. As an example, there is a “contactless wireless recognition credit card system” described in Patent Document 1 (1997.1.28).

  In this prior art, a card number is wirelessly transmitted to a card terminal using an RF (Radio Frequency) card. The card terminal transmits card number data input wirelessly from the RF card to a terminal computer connected by wire. The terminal computer reads the card number data from the card terminal, inquires about the defective card number data, immediately determines whether the transaction is approved or rejected, and transmits it to the card terminal. With this, the card inquiry time can be reduced to within 0.1 seconds, so it can be applied as a prepaid or postpaid card when constructing a transportation fee collection system using a card in addition to the function of a general credit card. can do. Such an offline approval procedure will be described with reference to FIG.

  FIG. 2 is a diagram showing a settlement procedure by an offline transaction approval method for an existing plastic card.

  As shown in FIG. 2, the computer issuing center of the card issuing company transmits B / L data for registering the transaction stoppage to the card reader terminal of the member store, and thereby the B / L data. Registers in the card reader terminal (A). The B / L data is downloaded (updated) and updated (updated) to the card reader terminal one day or periodically. When a user uses a plastic card for settlement (B), the card reader terminal compares the B / L data stored in the card reader terminal with the card data in an offline state, and this card is loaded on the B / L. Approval for use is confirmed (C). The card reader terminal stores the generated transaction data after the offline approval (D). The card reader terminal uploads the card transaction data stored in one day or periodically to the computer center of the card issuing company in a batch and performs settlement processing (E).

  If this method is used, it is possible to quickly settle with offline transaction approval, so it is applicable to public transportation such as subways where user identification is not absolutely required, and a credit card that is always carried by the user. You can settle public transportation charges. For this reason, the convenience of the user can be greatly improved.

  However, since the B / L data must be stored for each card reader terminal of the card member store and the B / L data must be updated periodically for B / L management, the number of use destinations increases. System inefficiency increases. For example, if there are 1 million usage destinations, the B / L data must be updated to 1 million locations when the B / L data is generated. Therefore, this method can be applied to specific users such as public transportation, but it has been difficult to apply to general merchandise merchants with many users.

  Recently, mobile electronic wallet era where mobile devices such as mobile phones that individuals always carry are used for personal passbooks, cash cards, credit cards, direct payment cards, membership cards, etc. has emerged, and existing plastics A technology has been proposed in which a communication function and a computer function of a mobile device not included in a card are mounted on an existing plastic card.

  Typical examples include card issuance and issuance utilizing a communication function (OTA function: Over The Air function), a card B / L control method, and an unsigned transaction method. This technology is disclosed in Patent Document 2 (2002.5.8) "Financial settlement card and / or ID card issuance and blacklist processing system using wireless communication" and a patent that were previously filed and registered by the present applicant. It is specifically described in Reference 3 (2006.4.12) “Method and system for no signing of financial card sales slip in mobile payment”.

Korean Published Patent No. 97-2743 Korean Utility Model Registration No. 276208 Korean Published Patent No. 2006-31156

  SUMMARY OF THE INVENTION An object of the present invention is to provide a settlement processing system by a mobile card offline transaction approval method and a method thereof that can shorten the card approval cost and the processing time.

  In order to achieve such an object, the payment processing system using the mobile card offline transaction approval system according to the present invention immediately applies the mobile phone when a B / L occurs using the communication function (OTA function) of the mobile phone. Only the relevant card on the phone will be suspended, and if the card is activated instead of online authorization every time it is used, after performing offline approval to approve transactions with no abnormalities, transaction data generated will be batch processed at once To reduce approval costs. That is, in a mobile card payment system to which a B / L management method utilizing a communication function (OTA function) is applied, in the case of a certain amount of usage amount, the card reader of the mobile phone and the member store instead of the card company server approval The card approval cost and the processing time can be shortened by introducing an offline approval method in which the terminal itself approves the use and making a settlement, and then paying the batch process.

  More specifically, according to the present invention, the mobile card payment processing system transmits the card information including the offline approval usable information on the mobile device designated by the user who applied for the card issuance. Received card information from the card issuing company's computer center and the card issuing company's computer center to transmit B / L information for card transaction suspension to the mobile device corresponding to the card number where the L matter occurred B / L is registered in the stored card information upon receipt of the stored B / L information to be transmitted, and the B / L registration is checked at the time of settlement with the stored card information. If it is listed in B / L, it will be disabled, and if it is not listed, it will be used as a mobile card to communicate by transmitting card information. , And receiving communication of card information through communication with mobile devices used as mobile cards, confirming the availability of offline approval from the transmitted card information, and when offline approval is not available, settlement processing is performed using the online approval procedure In addition, it includes a member store card reader terminal for approving use and completing a transaction when offline approval is available.

  It is preferable that the offline-approved usable information includes a certain amount for each type of transaction of each member store and the number of times of use depending on the credit status of the card user.

  It is also preferable that the mobile device is configured to display the card usable / unusable state based on the blacklist registration check result, and to transmit the card information after performing the identity verification procedure as necessary when the card is usable. . In this case, it is more preferable that the mobile device is configured so as to confirm the identity of the mobile device in response to the input of the card password and the password already stored.

  The card reader terminal includes a mobile card receiving unit for receiving card information from the mobile device, and whether the transaction amount is less than or equal to the usage amount that can be used for offline approval, and the number of times that offline approval can be used remains. It is also preferable that it is configured to check whether or not the offline approval can be used. In this case, when the transaction is completed by offline approval from the card reader terminal, the mobile device controls the number of times the offline approval is used, and if the number of times of use is exhausted, the mobile device connects to the card issuing company's computer center to use the offline approval. The card issuing company's computer center is configured so that it can be requested to initialize the number of possible times, and the credit card user's credit status is requested when the number of times of use for the offline approval of the mobile device is requested. More preferably, it is configured to determine whether or not initialization is possible and update it.

  It is also preferable that the card reader terminal is configured to store transaction data, and upload the stored transaction data in a batch to the card issuing company's computer center for settlement.

  Furthermore, the payment processing method by the offline transaction approval method of the mobile card according to the present invention includes (a) a step of receiving issuance of usable information for offline approval when a mobile card is issued, and (b) occurrence of B / L matters. Sometimes using the mobile communication function (OTA function) to transmit B / L to the mobile card and registering it, and (c) when using the mobile card, confirm the presence / absence of B / L registration of the card, If it is listed, the card is disabled. If not, the card information is transmitted to the card reader terminal of the member store. (D) Upon receipt of the card information, confirm whether offline approval is permitted. If offline approval is not possible, the card is approved and settled using the online approval procedure, and if offline approval is possible, the transaction data is saved after the use is approved. When, and a step of settlement process by uploading in batches (e) stored by the transaction data constant number or a certain period of time by the card company.

  The step (c) preferably further includes the step of receiving the password and confirming the identity prior to transmitting the card information.

  In step (d) described above, (d1) the transaction amount is less than or equal to the usable amount for offline approval based on the offline approval usable information included in the received card information, and the number of times the offline approval can be performed Confirming whether or not offline approval is possible by checking whether or not, (d2) when offline approval is available, using it and saving the transaction data, and (d3) completing the transaction through offline approval Each time, the number of uses that can be approved offline is issued to the mobile card, and if the number of uses is exhausted, the card issuer side is connected to initialize the number of uses that can be approved offline. preferable.

  The payment processing system and method according to the mobile card offline transaction approval method according to the present invention uses a blacklist (B / L) management method using a mobile communication function (OTA) of a mobile device such as a mobile phone. Since it is only necessary to control only one card when / L occurs, an offline transaction approval method can be introduced when applying this to general commerce, and depending on the credit status of the card user according to the card company policy It has the effect of managing the card user's card usage limit by deciding a certain amount and the number of times of use for each member store type (large mart, coffee shop, vending machine, etc.) and the number of transactions.

  Taking advantage of these advantages and applying it to a transaction approval system for card transactions, when a B / L event occurs, the card information in the mobile phone is directly updated to stop the card use. Therefore, the card can be used after the user indicates his intention to pay with the mobile phone. This means that the card company has already confirmed that it is within the B / L state and the usage limit range (amount of money, the number of times it can be used), and the user's identity is also confirmed by a personal password (PIN: By entering the Personal Identification Number) and printing the personal authentication value generated by the user's mobile phone or PDA (Personal Digital Assistant), no signature for user identification is required. The card reader terminal does not need to connect online from the card reader terminal of the merchant to the card company server at the time of card use, and decides whether to approve the card use. The card reader terminal receives a certain number of received mobile card information and transaction details. Or keep it for a certain period and number of “N” items It may be a settlement request to the card company together. In this case, the transaction approval cost saved for the card company will be reduced to 1 / N of the maximum approval fee per transaction, which makes it a small transaction that could not fit the card transaction due to excessive card approval cost. In addition, the use of cards can be expanded, which will open up new markets for card companies.

  By applying such a card transaction approval system, it is possible for consumers to make card use quick, convenient and safe for almost all money transactions and use destinations (mass traffic, small and high-value transactions in general commercial transactions). By providing convenience and reducing the time required for card transaction approval processing and signatures for merchants, the waiting queue is reduced and a convenient and quick settlement environment is provided to the customer. Cost can be saved.

  Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

  FIG. 3 shows a block diagram of a mobile card payment processing system to which the present invention is applied. The system shown in FIG. 3 includes a mobile card 10 that is issued and stored in a mobile device such as a mobile phone.

  The mobile card 10 is equipped with an electronic wallet function in which financial information such as an account number and a card number is stored in a memory 11 of a mobile device such as a mobile phone or a SIM (Subscriber Identity Module) type IC chip 13. It is configured by installing offline approval available information. The offline approval usable information includes the amount of money used and the number of times of use for each amount.

  The system of FIG. 3 is also installed at the member store side, and receives the card information through communication with the mobile card 10 and receives the received card information and performs a settlement process. And a card reader terminal 23 for storing the transaction breakdown. Further, the system shown in FIG. 3 issues a card issuing company's computer center 30 that issues off-line approved transaction enable information together with the card issuance, and transmits the blacklist (B / L) item to the mobile card 10 for installation. It has.

  In the mobile card settlement system of FIG. 3 having such a configuration, the settlement procedure by the offline transaction approval method will be specifically described below with reference to FIG.

  First, the card issuing company stores the card information in the memory 11 of the mobile device such as the mobile phone of the user name or the SIM type IC chip 13 according to the user's application, and issues the mobile card 11. At this time, off-line approval possible information is also issued (step 401).

  Here, the offline approval available information includes the number of available offline approvals available for each usage amount that can be used in offline approval. For example, 1) A type transaction, less than 50,000 won, 20 times, 2) B type transaction, less than 10,000 won, 50 times, 3) C type transaction, less than 5,000 won, 100 times, or even 50,000 It is issued by tagging information on the number of offline approval transactions such as less than 100 won. The mobile card issuance and the specific contents related thereto are as follows: “Card for optical settlement system” in Korean Patent Registration No. 359317 (2002.10.19), which was previously filed and patented by the present applicant. Since it is specified in “Issuing Method and System”, it will be briefly described here. That is, the card issuing company accepts the card issuance application from the user through a wired or wireless or Internet network, confirms the issuance qualification, and if it is satisfied, generates the card number by the card number generation program, and the generated card The card information including the number is encrypted, and the card is transmitted to a mobile device such as a mobile phone specified at the time of acceptance of the issuance application, and the card information is stored in the memory of the mobile device or the SIM type IC chip and issued. To do.

  On the other hand, when the B / L matters occur, that is, when the card issuer determines that the card issuer has determined that the card issuer is a bad trader, the computer center 30 of the card issuer has a mobile phone device. The B / L data is transmitted to the mobile card 10 using the communication function (OTA) (step 402), and the B / L is registered in the mobile card 10 (step 403). That is, the card issuing company's computer center 30 wirelessly communicates with the mobile device such as a mobile phone used as the mobile card 10 through the mobile communication network, and transmits the occurrence of the B / L matter.

  The mobile device that receives this directly places the B / L on the corresponding card data stored in the memory 11 or the IC chip 13. Whenever a B / L matter occurs, the computer issuer center 30 of the card issuing company places the B / L on the mobile device containing the corresponding card information.

  When the user presses a settlement button on a mobile device such as a mobile phone or a PDA or displays the intention to use the mobile card 10 by a method such as hitting the mobile card 10 against the receiving unit 21 of the card reader terminal 23 (Step 404) Immediately confirms whether or not B / L is installed in the mobile device used in the mobile card 10 (Step 405).

  If B / L is listed, it is displayed that the mobile device is in an unusable state, or the user is informed so and the unusable process is performed (step 406).

  As a result of the confirmation in step 405, if the mobile device is not listed in the B / L, the mobile device is displayed as being usable, or the user is notified so that the card can be used (step 407). At this time, if necessary, the card is used after following the procedure of identity verification. That is, the user enters a password (PIN) of a card to be settled through the mobile device when it can be used (step 408), and verifies it with a password already stored in the mobile device, or another personal authentication mechanism. The identity confirmation is performed by comparing the identity use confirmation authentication value using (step 409).

  If the password (PIN) entered at the time of identity verification in step 409 does not match the password already stored, the password is requested to be re-entered and compared. Otherwise, the mobile card 10 is locked so that it can no longer be used.

  If the identity verification is performed against the input password or the identity verification authentication value, the card information is transmitted (step 410).

  The mobile device used in the mobile card 10 transmits the card information to the mobile card receiver 21 of the member store using near-field infrared (IR) communication, near-field radio (RF) communication, Bluetooth communication, or the like.

  The mobile card receiving unit 21 transmits card information to the card reader terminal 23 via communication such as serial, USB, or Bluetooth.

  The card reader terminal 23 of the member store recognizes that the mobile card 10 is in a usable state through communication with the mobile device, and confirms whether offline approval is available (step 411).

  The offline approval confirmation in step 411 is performed through whether the transaction amount is less than the amount that can be approved offline based on the offline approval allowable amount and the number of times included in the card information, or whether the usage count remains.

  As a result of the confirmation in step 411, if offline approval is not possible, processing is performed in accordance with the online approval procedure in the same manner as the card approval procedure conventionally performed (step 414).

  As a result of the confirmation in step 411, if offline approval is available, the card reader terminal 23 approves the use, completes the transaction, and stores the corresponding transaction data (step 412).

  The transaction result is sent to the mobile card 10 after normal transaction communication between the mobile card receiving unit 21 of the card reader terminal 23 of the member store and the mobile card 10, and is used as the mobile card 10. It is possible to manage the card usage limit by the card user by controlling the number of times of offline approval by accumulating and recording the amount-specific codes or the number of times of use in the mobile device memory 11 such as a mobile phone or the IC chip 13. It is configured.

  If the mobile device satisfies all the usage counts, the mobile device automatically connects to the server of the card issuing company's computer center 30 and requests to initialize the usage count of the offline approval transaction. The server of the card issuing company's computer center 30 determines whether or not initialization is possible depending on the credit status of the card user, and updates it to the mobile card 10 by OTA.

  The card reader terminal 23 of the member store uploads the transaction data stored for a certain number of transactions or every certain time in a batch to the computer center 30 of the card issuing company and performs a settlement process (step 413).

  All the embodiments described above are illustrative of the present invention and are not intended to be limiting, and the present invention can be implemented in other various modifications and changes. Therefore, the scope of the present invention is defined only by the claims and their equivalents.

It is a figure which shows the payment procedure by the online transaction approval system of the existing plastic card. It is a figure which shows the payment procedure by the offline transaction approval system of the existing plastic card. It is a block diagram which shows the mobile card payment processing system to which this invention was applied. It is a flowchart for demonstrating the payment procedure by the offline transaction approval system of the system of FIG.

Explanation of symbols

10 Mobile Card 11 Memory 13 IC Chip 21 Mobile Card Receiver 23 Card Reader Terminal 30 Computer Center of Card Issuing Company

Claims (10)

The card information including usable information for offline approval is communicated by the mobile device specified by the user who issued the card issuance request, and the card transaction is suspended to the mobile device corresponding to the card number where the blacklist occurred. A card issuing company's computer center configured to communicate blacklist information;
When receiving and storing card information from a computer center of the card issuing company, receiving the transmitted blacklist information, listing the blacklist in the stored card information, and making a settlement with the stored card information It is configured to check the registration of the blacklist, and if the result of the check is that it is listed on the blacklist, the processing to make it unusable is performed, and if it is not listed, the card information is transmitted to enable the transaction. Mobile devices used as mobile cards,
The card information is transmitted through transaction communication with the mobile device used as the mobile card, and the payment process is performed by the online approval procedure when the offline approval is unavailable by checking the availability of the offline approval from the transmitted card information. A payment processing system according to a mobile card offline transaction approval system, comprising: a card reader terminal of a member store configured to approve and complete a transaction when offline approval is available.   2. The mobile card offline according to claim 1, wherein the offline-approved usable information includes a fixed amount and the number of times of use according to the number of transactions by member store type according to the credit status of the card user. Payment processing system based on transaction approval.   The mobile device is configured to display whether the card is usable or not based on a blacklist registration check result, and to transmit the card information after performing the identity verification procedure as necessary when the card is usable. The payment processing system by the offline transaction approval system of the mobile card of Claim 1 or 2 characterized by the above-mentioned.   4. The mobile card offline transaction approval according to claim 3, wherein the mobile device is configured to receive an input of a card password and perform identity verification in comparison with a password already stored. Payment processing system. The card reader terminal includes a mobile card receiver for receiving card information from the mobile device,
It is configured to check whether or not offline approval can be used by checking whether the transaction amount is less than or equal to the usage amount that can be used for offline approval and whether the number of available offline approvals remains. The payment processing system by the offline transaction approval system of the mobile card according to any one of claims 1 to 4. When the transaction is completed by offline approval from the card reader terminal, the mobile device controls the number of times offline approval is used, and if the number of times of use is exhausted, the mobile device can be connected to the card issuing company's computer center to use offline approval. It can be requested to initialize the number of times,
If there is a request for initialization of the number of times that the mobile device can be used for offline approval, the card issuing company's computer center determines whether or not initialization is possible according to the credit status of the card user and updates it. The payment processing system according to the offline transaction approval system for mobile cards according to claim 5, wherein   The card reader terminal is configured to store transaction data, and to perform a settlement process by uploading the stored transaction data in batches to a computer center of the card issuing company. 7. A settlement processing system using the mobile card offline transaction approval method according to any one of items 6 to 6. In the method for payment processing by the offline transaction approval method for mobile cards,
(A) When a mobile card is issued, a stage for receiving offline approved useable information is also issued,
(B) a step of transmitting the blacklist to the mobile card using the mobile communication function when the blacklist item is generated;
(C) In the case of using a mobile card, the presence / absence of the black list of the corresponding card is confirmed. If the card is listed, the card is disabled. If not, the card information is sent to the card reader terminal of the member store. Transmitting, and
(D) When receiving card information, confirm whether offline approval is possible. If offline approval is not possible, approve the card using the online approval procedure and process the payment. If offline approval is possible, approve the transaction. Storing data, and
(E) a payment processing method using a mobile card offline transaction approval method, comprising: a step of uploading stored transaction data to a card company in batches according to a certain number or for a certain period and performing settlement processing; .   9. The settlement process according to claim 8, wherein the step (c) further includes a step of receiving a password and confirming the identity prior to transmitting the card information. Method. Step (d) includes
(D1) Based on the offline approval availability information included in the received card information, it is checked whether or not the transaction amount is less than or equal to the offline approval availability amount and the number of times the offline approval is possible. To check if offline approval is possible,
(D2) When offline approval is available, approve and save transaction data;
(D3) For each transaction completed through offline approval, manage the number of times the mobile card can be used for off-line approval, and if the number of uses is exhausted, connect to the card issuing company and initialize the number of times that can be approved offline. The payment processing method by the offline transaction approval system of the mobile card according to claim 8 or 9, characterized by comprising:

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