JP2018109953A - Client starting payment settlement system and method using mobile device and card of client - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a client starting payment settlement system and method using a mobile device and card of a client.SOLUTION: A client starting payment settlement system of the present invention includes a mobile device of a client, a card, of a client, having card information, and an affiliating company having affiliating company information and payment information. The mobile device is operable to process card payment and settlement by a stage in which a mobile device 20 receives the affiliating company information and payment information, a step in which the mobile device 20 is activated for processing card payment and settlement by the card, a step in which the mobile device 20 generates a payment approval request using the card information, affiliating company information, and payment information, and transmits the payment approval request to a purchase company, and a step in which the mobile device 20 receives a result of the payment approval request from the purchase company.SELECTED DRAWING: Figure 3

Description

  The present invention relates to a customer-initiated payment settlement system and method using a customer's mobile device and card, and more particularly, a customer-initiated card on behalf of an affiliate that uses the customer's mobile device. The present invention relates to a payment settlement system and method. The card may be a credit / direct payment card, a point card, a multi-function device (MFD) card or a near field communication (NFC) card, and the mobile device may be a near field communication, Bluetooth (registered trademark), etc. To communicate with the card.

  This application is filed on May 25, 2017, US patent application No. 15 / 605,808 entitled “Multifunctional Device Card Activation Method” (Korean Patent Application dated January 3, 2017) No. 10-2017-0000669), which is a continuation-in-part of US patent application Ser. No. 15 / 665,333 filed Jul. 31, 2017, dated Aug. 16, 2017. US patent application Ser. No. 15 / 679,072 entitled “System and Method for Integrated Management of Loyalty Points,” filed in United States of America, claiming priority and disclosing their disclosure The contents are incorporated herein by reference.

  Payment cards (hereinafter referred to as “multiple cards” or “cards”) are widely used by millions of people worldwide to facilitate payment by electronic funds transfer. The payment card can be a credit card, direct payment card, point card, multi-function device (MFD) card, near field communication (NFC) card, and the like. Consumers can pay using their cards to purchase products or services from partner companies. In the typical case of purchasing at a partner company's physical location as shown in FIG. 1 and FIG. 2, the customer places his card on a point-of-sale (POS) terminal at the point of sale of the partner company. Must be presented. The card is inserted or read through the POS terminal. Optionally, the required card information is entered or the POS terminal accepts the near field communication contactless transaction and the card information is stored in the POS terminal. Once the card information is received and stored, the POS terminal buys it for transaction approval along with partner information such as partner code and transaction information such as payment amount and currency. To (Acquirer). The POS terminal sends such information to the purchasing company through the wired / wireless Internet or a standard telephone line. The purchasing company communicates with the issuer (Issuer) as part of the approval process. At this time, the issuing company is a business company that issued the card to the customer.

  Here, the purchasing company is generally a bank-like entity that has an existing business relationship with a partner company. The issuer is generally a bank-like entity that issues cards to consumers. Communication between the purchaser and the issuer can be made through payment transaction or approval of the clearing and settlement of the payment. The buyer and / or issuer approves or declines the payment settlement and sends such a decision back to the POS terminal.

  However, since the customer's card information is transmitted to the POS terminal of the partner company, there is a risk that the customer's card information is stolen. Further, if the partner company does not have a POS terminal or the POS terminal does not operate, the customer cannot pay using his / her card.

  Mobile devices such as cellular phones, mobile phones, smartphones, tablet computer devices, and personal digital assistants (PDAs) are popularized and widely used as payment devices. Mobile devices generally allow device owners to pay for a partner's goods or services. The mobile device can be linked to the device owner's payment account or the device owner's card information can be stored on the mobile device.

  However, if the mobile device is stolen, the mobile device user can access the payment account and card information of the device owner, and can make a payment without the approval of the device owner.

  Many new payment systems were introduced. Such systems typically use a server or management system to manage new payment settlement processes and databases. However, most of the systems are not practical because the existing payment settlement system is significantly changed and the implementation cost is high.

  Therefore, to overcome these problems and disadvantages, there is a need for a payment settlement system and method initiated by the customer using the customer's mobile device and card. The present invention is to solve the above-mentioned problems and satisfy the needs required for a long time.

Korean Published Patent No. 10-2017-0081113

The present invention was devised to solve the problems and disadvantages of the prior art by providing a customer-initiated payment system and method that uses a customer's mobile device and card.
An object of the present invention is to provide a customer-initiated payment settlement system including a customer's mobile device, a customer's card with card information, and a partner company with partner information and payment information. The card can be a credit card, direct payment card, point card, multi-function device (MFD) card, near field communication (NFC) card, etc., and card information includes card number, validity period, EMV parameter, card Name, user information, card authentication value, password, etc. can be included. Partner information may include partner codes assigned to the partner for card transactions with the purchasing company, POS terminal parameters, etc., and payment information may include the goods or utilities provided to the customer. Payment amount, currency, transaction ID, etc. can be included.

The mobile device includes a step in which the mobile device receives the partner company information and the payment information, a step of being activated by the card to process the card payment settlement, the card information, the partner company, Generating a payment approval request using the information and the payment information, and processing the card payment payment by sending the payment approval request to the purchasing company and receiving a result of the payment approval request from the purchasing company. Is operable.
Preferably, the card is a multi-function device (MFD) card or a near field communication (NFC) card having an antenna for near field communication (NFC), and the mobile device includes an NFC sensor. The mobile device is activated to process card payment settlement through NFC between the card and the mobile device, and the mobile device receives card information from the card through NFC between the card and the mobile device.

  The card number or card information is not stored on the mobile device before the mobile device stage is activated. In addition, the step includes the step of the mobile device deleting the card number or the card information after sending the payment approval request to the purchasing company.

  The mobile device taps the mobile device on an NFC tag of a partner company that stores the partner company information by wireless communication from the partner company, and by typing the partner company information on the mobile device, The partner company information and the payment information are received. The partner company can generate a QR code (registered trademark) or a barcode for the partner company information or payment information and send it to the mobile device.

  Alternatively, the system can utilize a server having a database that stores partner information. The mobile device can use the global positioning sensor of the mobile device to obtain the partner's geographic location data and send the geographic location data to the server, and in response, the server Partner company information corresponding to the geographical location data can be retrieved and retrieved, and partner company information can be sent to the mobile device.

Yet another object of the present invention is to provide a customer initiated payment settlement system in which customers pay with their integrated loyalty points. The system includes a customer's mobile device, a customer's card with information about the integrated loyalty points, and an affiliate that has agreed to receive the integrated loyalty points with a payment method. Information for integrated loyalty points includes customer identification and the amount of integrated loyalty points owned by the customer.
The mobile device includes a step in which the mobile device receives the partner company information and the payment information, a step of being activated to process payment settlement by card, an integrated loyalty point, partner company information and payment. Generating a payment approval request using the information for the information, sending a payment approval request to the purchasing company to the integrated loyalty point, and receiving a payment approval request result from the purchasing company. And is operable to process payments using the customer's integrated loyalty points.

  Preferably, information regarding the integrated loyalty points is not stored on the mobile device prior to the stage when the mobile device is activated. The step further includes the step of the mobile device deleting information regarding the integrated loyalty point after sending a payment approval request to the purchasing company.

  Yet another object of the present invention is to provide a customer initiated payment settlement method using a customer card. The method includes the step of receiving the partner mobile device information and the payment information, the customer mobile device being activated to process a card payment settlement by the customer card, the card information, the partner company Generating a payment approval request using the information and the payment information, sending the payment approval request to the purchasing company, and receiving a result of the payment approval request from the purchasing company. The method further includes the step of deleting the card information after the mobile device sends the payment approval request to the purchasing company.

  Yet another object of the present invention is to provide a customer initiated payment settlement method using customer integrated loyalty points stored on the customer's card. The method includes the steps of receiving the partner company information and the payment information, wherein the customer's mobile device is activated to process payment settlement by a card, integrated loyalty points, partner information, and Generating a payment approval request using information on payment information, sending a payment approval request to the purchasing company to the integrated loyalty point, and receiving a result of the payment approval request from the purchasing company. . The method further includes deleting information about the integrated loyalty points after the mobile device sends the payment approval request to the purchasing company.

  Advantages of the present invention are as follows: (1) Customer payment can be made even if there is no POS terminal of the affiliated company or the POS terminal does not operate. (2) Card information of important customers is affiliated There is no need to be transmitted to the company, (3) all of the customer's mobile device and card are required for payment settlement, and the mobile device does not store card information, and security is strengthened. There is no need to pay a fee, the payment process is simplified, (5) the system of the present invention can eliminate the need for partner POS terminals, and (6) direct payment / credit card or loyalty point card And (7) the system of the present invention uses an existing pre-existing system, and so on. The system of the present invention is easy to implement, efficient and cost-saving without significantly changing existing systems, and (8) the system of the present invention is “Europay” (registered trademark), “Mastercard” (registered trademark) and “Visa”. ”(Registered trademark, EMV card in an integrated manner) Minimize the impact on existing payment processes and infrastructure structures, such as (9) the customer ’s mobile device will act as a partner POS terminal, There is no need to disclose the card information to the partner company. (10) Under the system of the present invention, in order to make a card payment, the customer needs all his / her card and mobile device, and the mobile device processes the payment request. Since card information is not stored except at times, security is improved. (11) The system according to the present invention is configured such that the card is MDF or NFC card. When it is de, the card is lost or even stolen, can not be used without being activated by the mobile device, it can be much improved the security properties.

  Although the present invention has been briefly summarized, a more complete understanding of the present invention can be obtained by the following drawings, detailed description and appended claims.

It is the schematic of the conventional card payment settlement. It is another schematic diagram of the conventional card payment settlement. 1 is a schematic diagram of a card payment settlement using a customer mobile device and card according to the present invention. FIG. 6 is another schematic diagram of a card payment settlement using a customer mobile device and a card according to the present invention. FIG. 6 is another schematic diagram of a card payment settlement using a customer mobile device and a card according to the present invention. 1 illustrates a communication method between a card and a mobile device for card payment settlement according to the present invention. 1 shows a communication method between a card for payment by card payment and a partner company or a partner company POS terminal according to the present invention. Fig. 4 illustrates communication between a customer mobile device and a card, a partner company or a partner POS terminal according to the present invention.

  Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings, which form a part of the present invention. The present invention is not limited to the specific apparatus, methods, conditions, or parameters described and / or illustrated herein, and the terminology used herein is for the purpose of describing particular embodiments by way of example only; It should be understood that it is not intended to limit the claimed invention.

  Further, as used in the specification including the appended claims, a description that does not specify a number is intended to include the singular or the plural. A reference to a particular numerical value includes at least that particular value unless the context clearly indicates otherwise. Ranges can be expressed herein as “approximately” or “approximately” one particular value and / or as “approximately” or “approximately” another particular value. When such a range is expressed, other embodiments include from the one particular value and / or to the other particular value. Similarly, if a value is expressed as an approximation using the word “substantially”, it will be understood that that particular value forms another embodiment.

  1 and 2 show credit / direct payment cards, point cards, loyalty point cards, multi-function device (MFD) cards, near field communication (NFC) cards, digital cards, dual interface cards or radio frequency ( 1 illustrates a conventional payment system using a customer card 10 such as an RF) card and a partner POS terminal 35.

  The consumer can make a payment using the card 10 to purchase a product or service from a partner company. The customer presents his / her card 10 to the POS terminal 35 located at the business site 30 of the partner company. The card 10 is inserted or read through the POS terminal 35. Alternatively, the requested card information can be entered, or the POS terminal 35 can accept a near field communication contactless transaction from the card 10. Thereafter, the card information is stored in the POS terminal. Once the card information is received and stored, the POS terminal 35 purchases the partner company information such as the partner company code and transaction information such as the settlement amount and currency together with the partner company code for the approval of the transaction 40. Send to. The partner company code is an identifier assigned to the partner company for the card transaction. The POS terminal 35 sends such information to the purchasing company 40 through a wired / wireless Internet or a standard telephone line. The purchasing company 40 communicates with the issuing company 50 as part of the approval process. At this time, the issuing company 50 is the entity that issued the card 10 to the consumer.

Here, the purchasing company 40 is generally a business entity such as a commercial bank having an existing business relationship with a partner company, and the issuer 50 is generally a business entity such as a bank that issues the card 10 to consumers. . Approval of payment settlements or their clearance and payment can involve communication between the purchasing company 40 and the issuing company 50. The purchasing company and / or issuing company approves or declines the payment settlement and sends such a decision back to the POS terminal 35.
3, 4 and 5 also illustrate a system for a customer-initiated payment system using a customer card 10 and a mobile device 20 according to the present invention.

  The customer-initiated payment settlement system includes a customer's mobile device 20, a customer's card 10 with card information, and a partner company with partner information and payment information. Partner information may include partner code and partner POS or other terminal parameters, and payment information may be the amount of payment a customer must pay to purchase a partner product or service, Contains currency or transaction number.

The mobile device 10 can be a cellular phone, a mobile phone, a smartphone, a tablet computer device, a personal digital assistant (PDA), or the like. Here, the mobile device 10 also includes an application installed therein to implement the system of the present invention.
The purchasing company 40 communicates with the issuing company 60 as part of the approval process. At this time, the issuing company 60 is the entity that issued the card 10 to the consumer. Here, the buying company 40 is generally a business entity such as a commercial bank having an existing business relationship with a partner company, and the issuer 60 is generally a business entity such as a bank that issues the card 10 to consumers. . Approval of payment settlements or their clearance and settlement can involve communication between the purchasing company 40 and the issuing company 60. The purchasing company 40 and / or issuing company 60 approves or rejects the payment settlement and sends such a decision back to the mobile device 20. As in FIG. 4, the system may further include a payment gateway 60.

  The mobile device 20 includes a step in which the mobile device 20 receives partner information and payment information, a step in which the mobile device 20 is activated by the card 10 to process a card payment settlement, the card information, the partner information, and Generating a payment approval request using the payment information and sending the payment approval request to the purchasing company 40; and receiving a result of the payment approval request from the purchasing company 40.

  Here, the stage in which the mobile device 20 is activated includes not only activation for processing card payment settlement but also card use authorization by the mobile device. Such activation, including authentication, can be accomplished in the following different ways: NFC and Bluetooth communication between the card and the mobile device, card information to the mobile device 20 Typing, etc. Such activation can additionally include things such as password typing or fingerprint matching.

In addition, the activation of the mobile device 20 may be performed before the mobile device 20 receives partner information and payment information.
The result of the payment authorization request can be an approval or rejection of the card payment, and such a result can be transmitted and displayed on the mobile device.

  FIG. 6 illustrates communication between the customer's card 10 and the customer's mobile device 20. Such communication is preferably by Bluetooth® or near field communication. Alternatively, card information can be input to the mobile device 20.

  Desirably, the card 10 can be a multi-function device (MFD) card or a near field communication (NFC) card with a near field communication (NFC) antenna, and the mobile device 20 can include an NFC sensor. The NFC card can have a dual interface or can be a contactless card. The mobile device 20 can be activated to process card payment settlement through NFC between the card 10 and the mobile device 20, and the mobile device 20 receives card information through NFC between the card and the mobile device. It can be received from the card 10. That is, by tapping the card 10 with the mobile device 20, the mobile device 20 is activated for card payment settlement processing and receives card information.

  The card 10 may be an MFD card that stores information on a plurality of other cards, and the customer uses the MFD card to select a card used for card payment settlement from a list of a plurality of different cards. be able to. In contrast, the card 10 can be an MFD card that stores information about multiple other cards, and the customer can use a mobile device to make a card payment settlement from a list of different cards. Can be selected. In other words, the MFD card can store a plurality of direct payment / credit cards and / or point cards, and the user can select a card to be used as a payment method. The MFD card can have a display that allows the user to select a card from a card list displayed on the MFD card. Alternatively, such a list can be transmitted to the mobile device 20 and displayed on the screen of the mobile device 20, allowing the user to select a card from the list.

The step may further include activating a card 10 such as an MFD card or an NFC card through NFC or Bluetooth® light energy (BLE) communication between the mobile device 20 and the card 10. In the case of BLE communication, the card can have a BLE chip, and the mobile device 20 can have a BLE antenna. Once activated, the card can be used for payment settlement. US patent application Ser. No. 15 / 605,808 entitled “Multifunctional Device Card Activation Method” discloses a method for activating an MFD card using a mobile device, the disclosure of which is incorporated herein in its entirety. Are integrated by reference.
Activating the card 10 may be performed before the mobile device 20 receives partner information and payment information.

  The method of activating the MFD card 10 by the mobile device 20 includes switching on the NFC chip of the mobile device 20 so that the mobile device 20 can be wirelessly connected to the MFD card 10 through the NFC network, and the MFD card. By transmitting an NFC signal from the mobile device 20 to the MFD card 10 so that electromagnetic induction can be performed by the NFC antenna, the mobile device 20 in the NFC network with respect to the MFD card 10 within the communicable range of the mobile device 20 is transmitted. A step of launching a preloaded application on the mobile device 20 to start the MFD card activation if the MFD card 10 is found through the NFC network; MF When starting the preloaded application to initiate card activation, the mobile device 20 is connected to the mobile device 20 by a wireless personal area network (WPAN) using the WPAN antenna and WPAN chip of the MFD card 10. A step of connecting to the MFD card 10; a step of mutually authenticating the MFD card 10 and the mobile device 20 through the WPAN by a predetermined method according to the application; and if the MFD card 10 is authenticated, the MFD card 10 is activated. And a completion stage. Preferably, the WPAN connection is a BLE (Bluetooth® Low Energy) connection enabled by the BLE chip of the mobile device 20 and a corresponding BLE antenna, and the BLE chip and BLE antenna of the MFD card 10. Since the card 10 is activated by the mobile device 20, even if it is lost, it cannot be used for payment settlement without the mobile device 20.

  The step of activating the mobile device 20 includes the step of sending the chip serial number of the card 10 or the card serial number from the card 10 to the mobile device 20 so that the transmitted chip serial number or transmitted card serial number The mobile device 20 is activated to process a card payment settlement if or only if it matches the chip sequence number or card sequence number stored in the device 20.

The step may further include the step of the mobile device receiving the card information. The card information may be received through NFC or Bluetooth® communication, or may be typed into the mobile device 20.
For security reasons, the card number or card information is not stored on the mobile device 20 prior to the stage when the mobile device 20 is activated. The step further includes the step of deleting the card information after the mobile device 20 sends a payment approval request to the purchasing company 40.

  The step may further include the step of the mobile device 20 generating a settlement and settlement request and sending it to the purchasing company 40. That is, the mobile device 20 sends two requests, a payment approval request and a settlement and settlement request. Through these two separate requests, the customer can more effectively control the partner's goods or utility production.

FIG. 7 shows communication between the mobile device 20 and the partner company 30 or the POS terminal 35.
The mobile device 20 taps the mobile device on an NFC tag or RFID tag of an affiliated company that stores the affiliated company information by wireless communication from the affiliated company, thereby allowing the mobile device 20 to perform the mobile By typing the partner company information in the device 20, the partner company information can be received from the partner company. Also, SMS, beacon and infrared communication can be used. Alternatively, the partner company can use a QR code or barcode to store or send partner information.

  In an alternative embodiment, the system may further include a server having a database that stores partner information. The mobile device 20 can acquire the geographical location data of the partner company using the global positioning sensor (GPS) of the mobile device 20, can send the geographical location data with the server, and respond accordingly. Thus, the server can retrieve and retrieve partner company information corresponding to the geographical location data, and can send partner company information to the mobile device 20.

  In one embodiment, the system can utilize a proprietary portal database to retrieve partner information. For example, the customer can search for detailed partner information using the dedicated system using the GPS location of the partner company office in one example. The database can be updated from information collected from participating users. The mobile device 20 can receive the partner company information from the dedicated partner company information providing system by transmitting the GPS position of the partner company, or the mobile device 20 can use the GPS position or the partner company ID as the dedicated partner company. The information can be transmitted to the information providing system, and the dedicated partner information providing system can send the partner information again to the mobile device 20.

  Further, the mobile device 20 can be configured by tapping the mobile device on the NFC tag or RFID tag of the partner company that stores the partner company information by wireless communication from the partner company, or on one side of the partner company or the customer. By typing the payment information into the mobile device 20, the payment information can be received from the partner company. Also, SMS, beacon and infrared communication can be used. Alternatively, the partner company can use a QR code or bar code to store or send payment information.

  The step may further include the step of the purchasing company 40 sending the result of the payment approval request to the partner company through SMS (Short Message Service), e-mail, push message to the partner company terminal, or the like.

As shown in FIG. 8, the mobile device 20 communicates with the card 10, the partner company 30 or the POS terminal of the partner company to perform the role of the customer's own POS terminal.
3, 4 and 5 also illustrate a system for a customer-initiated payment system using a customer card 10 and a mobile device 20 according to the present invention. The card 10 can be a direct payment / credit card, but can also be a point card. US patent application Ser. No. 15 / 679,072, entitled “Loyalty Point Integrated Management System and Method,” discloses a method for converting non-integrated loyalty points to integrated loyalty points. However, the entire disclosure is incorporated herein by reference.

  A customer-initiated payment settlement system according to the present invention includes a customer mobile device 20, a customer card 10 having information on integrated loyalty points, and an affiliated company that has agreed to receive integrated loyalty points with a payment method; including. The partner company has partner company information and payment information, and the information on the integrated loyalty point includes the customer ID and the amount of the integrated loyalty point owned by the customer. The partner company information includes a partner company code, and the payment information includes a payment amount.

  The mobile device 20 includes a stage in which the mobile device 20 receives partner information and payment information from, for example, a partner company, a stage in which the mobile device 20 is activated to process a payment settlement by the card 10, an integrated loyalty point, a partner Generating a payment approval request using information about the company information and payment information, sending a payment approval request for the integrated loyalty point to the purchasing company 40, and receiving a result of the payment approval request from the purchasing company 40; Is operable to process payment settlement using the customer's integrated loyalty points.

The system may further include an integrated management server for managing integrated loyalty points.
Preferably, the card 10 can be a multi-function device (MFD) card or a near field communication (NFC) card having an antenna for near field communication (NFC), and the mobile device 20 includes an NFC sensor. be able to. The mobile device 20 can be activated to process payment settlement through NFC between the card 10 and the mobile device 20, and the mobile device 20 can pass through NFC between the card 10 and the mobile device 20. Information about the integrated loyalty points can be received from the card 10.

  For better security, information about integrated loyalty points may not be stored on the mobile device 20 prior to the stage when the mobile device 20 is activated. In addition, the step may further include a step in which the mobile device 20 deletes information on the integrated loyalty points after sending a payment approval request to the purchasing company 40.

  The mobile device 20 is configured such that, by wireless communication from the partner company, the mobile device 20 is tapped on an NFC tag of the partner company that stores the partner company information, or by one side of the partner company or the customer. By typing the payment information, the partner information and the payment information can be received from the partner company. Also, SMS, beacon and infrared communication can be used. Alternatively, the partner company can use a QR code or bar code to store or send partner company and payment information.

The step may further include a step in which the purchasing company 40 sends the result of the payment approval request to the partner company through SMS, e-mail, a push message to the partner company terminal, or the like.
In yet another embodiment, a customer initiated payment settlement method using a customer card 10 is disclosed. The method includes a stage in which a customer's mobile device 20 receives partner information and payment information from, for example, a partner company, a stage in which the customer card 10 is activated to process card payment settlement, The method includes a step of generating a payment approval request using the company information and the settlement information and sending the payment approval request to the purchasing company 40, and a step of receiving a result of the payment approval request from the purchasing company 40. The method further includes the step of the mobile device deleting the card information after sending a payment approval request to the purchasing company 40.

  In yet another embodiment, a customer-initiated payment settlement method using customer integrated loyalty points stored on customer card 10 is disclosed. The method includes a step in which a customer mobile device 20 receives partner information and payment information from, for example, a partner, is activated to process a payment settlement by the customer card 10, an integrated loyalty point, Generate payment approval request using information on partner company information and payment information, send payment approval request to purchasing company 40 for integrated loyalty point, and receive payment approval request result from purchasing company 40 Including the step of: The method further includes the step of the mobile device deleting information regarding the integrated loyalty points after sending a payment authorization request to the purchasing company 40.

  Under a typical purchasing situation using the system of the present invention, a customer enters a business location of a partner company and purchases goods or services of the partner company. The customer's mobile device 20 receives partner information and payment information. A customer can tap his mobile device 20 and activate his MFD card or NFC card 10 through BLE or NFC, after which the customer can One of the stored payment methods—credit / direct payment cards or (integrated or non-integrated loyalty) point cards—can be selected. Thereafter, the mobile device 20 generates a payment approval request and sends it to the purchasing company, and then the purchasing company returns the authentication result to the mobile device 20 and the affiliated company.

  The system of the present invention can additionally be used for escrow situations. Customers can separate the payment process in two. That is, a stage of sending a payment approval request to the buyer and a stage of sending a settlement and settlement request to the purchasing company. Between the two stages, the customer can monitor and confirm whether the partner company fulfills the specific requirements and obligations.

  Although the present invention has been illustrated and described with reference to different embodiments relating thereto, those skilled in the art will recognize that variations in form, details, construction and operation may be made by the invention as defined by the appended claims. It will be understood that it can be made without departing from the spirit and scope.

10 Card 20 Mobile Device 30 Partnership (Merchant) Office 35 POS (Point-Of-Sale) Terminal 40 Purchasing Company (Acquirier)
50 Issuer
60 PG (Payment Gateway)

Claims (15)

With the customer's mobile device,
A customer's card with card information;
With partner companies that have partner information and payment information,
As a customer-initiated payment settlement system including
The partner information includes payment information including the partner code and the payment amount,
The mobile device includes a step in which the mobile device receives the partner company information and the payment information, a step of being activated to process a card payment settlement by the card, and the card information, the partner company information. And a step of generating a payment approval request using the payment information, sending the payment approval request to the purchasing company, and receiving a result of the payment approval request from the purchasing company. A customer-initiated payment settlement system characterized in that it is operable to process. The card is a multi-function device (MFD) card or a near field communication (NFC) card having an antenna for near field communication (NFC), and the mobile device includes an NFC sensor,
The mobile device is activated to process card payment settlement through NFC between the card and the mobile device, and the mobile device receives card information from the card through NFC between the card and the mobile device. The customer-initiated payment settlement system according to claim 1. The step of activating the mobile device includes sending a chip serial number of the card or a card serial number from the card to the mobile device,
If the transmitted chip sequence number or transmitted card sequence number matches the chip sequence number or card sequence number stored in the mobile device, the mobile device is activated to process the card payment settlement. The customer-initiated payment settlement system according to claim 1.   The customer-initiated payment settlement system according to claim 1, wherein the card information includes a card number, and the card number is not stored in the mobile device before the mobile device is activated.   5. The customer-initiated payment settlement system according to claim 4, wherein the step further comprises the step of deleting the card information after the mobile device sends a settlement approval request to the purchasing company.   The customer-initiated payment settlement system according to claim 1, wherein the step further includes a step of the mobile device generating a settlement and settlement request and sending the settlement request to the purchasing company. The mobile device is
By wireless communication from the partner company,
By tapping a mobile device on the NFC tag or RFID tag of the partner company that stores the partner company information, or by typing the partner company information on the mobile device,
The customer-initiated payment settlement system according to claim 1, wherein the partner company information is received from the partner company. A server having a database for storing partner information;
The mobile device uses the global positioning sensor of the mobile device to obtain the geographical location data of the partner company and sends the geographical location data to the server, and in response, the server converts to the geographical location data. 2. The customer-initiated payment settlement system according to claim 1, wherein corresponding partner company information is retrieved and retrieved, and the partner company information is sent to the mobile device. The mobile device is
By wireless communication from the partner company,
By tapping a mobile device on an NFC tag or RFID tag of a partner company that stores the payment information, or by typing the payment information on the mobile device,
The customer-initiated payment settlement system according to claim 1, wherein the payment information is received. With the customer's mobile device,
The customer's card with information on the integrated loyalty points;
Partners who have agreed to receive integrated loyalty points by payment method,
As a customer-initiated payment settlement system including
The partner company has partner company information and payment information,
The information about the integrated loyalty point includes a customer identifier and an integrated loyalty point amount required by the customer,
The partner information includes payment information including the partner code and the payment amount,
The mobile device is configured to receive the partner information and the payment information, the mobile device is activated to process card payment settlement by the card, and information about the integrated loyalty points; Generating a payment approval request using the partner company information and the payment information, sending the payment approval request to a purchasing company for integrated loyalty points; receiving a result of the payment approval request from the purchasing company; The customer-initiated payment settlement system is operable to process payment settlement using the customer's integrated loyalty points according to the following steps: The card is a multi-function device (MFD) card or a near field communication (NFC) card having an antenna for near field communication (NFC), and the mobile device includes an NFC sensor,
The mobile device is activated to process payment settlement through NFC between the card and the mobile device, and the mobile device receives information about integrated loyalty points from the card through NFC between the card and the mobile device. The customer-initiated payment settlement system according to claim 10, wherein the payment is settled.   The customer-initiated payment settlement system according to claim 10, wherein the information about the integrated loyalty points is not stored in the mobile device before the mobile device is activated.   13. The customer-initiated payment settlement system of claim 12, wherein the step further comprises the step of deleting information related to integrated loyalty points after the mobile device sends a settlement approval request to the purchasing company. The mobile device is
By wireless communication from the partner company,
By tapping a mobile device on the NFC tag or RFID tag of the partner company that stores the partner company information, or by typing the partner company information on the mobile device,
11. The customer-initiated payment settlement system according to claim 10, wherein the partner company information and the payment information are received.   The customer-initiated payment settlement system according to claim 1 or 10, wherein the step further includes a step in which the purchasing company sends a result of a payment approval request to the partner company.