KR100359317B1 - Card issue method and system for optical payment system - Google Patents

Abstract

A card issuing method and system for an optical payment system is for optical payment using a personal portable terminal having an optical transceiver as a payment means for a card. The present invention receives the card issuance application through wired and wireless networks and the Internet, confirms the issuance eligibility, generates a card number by the card number generation program, and encrypts the card information including the generated card number to receive the card issuance application. It is configured to transmit card information to personal portable terminal equipped with optical transmitter and receiver such as mobile phone or PDA, and store and issue card information in internal memory of portable terminal or removable IC card of SIM, USIM, UIM method. Accordingly, the present invention can provide a safer and more reliable credit transaction by inputting card information into a personal portable terminal so that the portable terminal can be used as a payment means even without carrying a cash or a card.

Description

Card issue method and system for optical payment system

The present invention relates to a card issuing method and system for an optical payment system belonging to IPC classification H04Q7 / 24. More particularly, the mobile terminal is capable of paying the overall transaction cost through a mobile terminal with an optical transceiver. The present invention relates to a method and a system for issuing a card with embedded payment information.

Recently, as a payment method, a card (card) that is easy to use and carry is used more than cash. The types of cards vary depending on the type of payment, such as credit cards, cash cards, debit cards, and transportation cards. For example, a lot of cards are used to pay for goods in general stores or department stores. The card is also used to pay the bill after adding oil at a gas station or after eating at a restaurant. In recent years, cards can be used for transportation costs such as taxis, subways and buses. In addition, on-line e-commerce and ATMs / CDs can be used for cards. Like this, the number of card merchants have increased, and the types of payments that can be made with the card have also increased. Of course, there are also fields where cards are not yet used, such as tollgates, tunnel tolls, vending machines, and kiosks.

1 is a view showing a typical credit card payment system, showing a case where you need to pay for the goods in the general store.

The buyer delivers the credit card 11 in his possession to the seller. The credit card 11 is a magnetic card with a unique number and a user name engraved thereon. The seller recognizes the credit card information through the magnetic card reader of the credit card inquiry machine 12. The credit card inquiry machine 12 transmits the recognized credit card information to the van company system 13 to make an approval request. The credit card checker 12 and the bansa system 13 are connected through a dedicated line. The bansa system 13 applies the approval request received to the card company system 14 for the approval. The card company system 14 that receives the application for approval from the bansa system 13 checks whether the credit card is a bad card, the credit status of the credit card holder, the usage level of the credit card to be used, and checks the approval result. (13). Upon receiving the approval result from the card company system 14, the bansa system 13 notifies the credit card checker 12 of the store where the application for approval was first received. The store seller confirms the approval result and notifies the buyer. If the approval result is normal, the payment is completed by using the credit card by presenting the sales slip to the buyer for signature.

2 is a diagram illustrating a credit card payment system in a general electronic commerce, a cyber shopping mall 23 that provides goods or services, a terminal 22 of a customer who purchases goods or services by accessing the internet to the shopping mall 23, and a product. It consists of a payment gateway 24, a bansa 25 and a card company 26 involved in the financial relationship to.

The customer connects to the cyber shopping mall 23 by a terminal 22 connected to the Internet such as a computer and performs shopping. When the product is found to be purchased, the purchase intention is transmitted to the shopping mall 23. The customer inputs information of the credit card 21 possessed on the screen provided by the shopping mall 23, that is, card information such as a customer name, a card number, a password, and an expiration date. The shopping mall 23 transfers the card information presented by the customer to the payment gateway 24. The payment gateway 24 requests the approval through the card company 26 or the bansa 25 which is a payment institution for the transferred card information, and confirms the result and transmits the result to the shopping mall 23 where the transaction occurred. When the shopping mall 23 is notified that the payment processing is normally performed by the payment gateway 24, the shopping mall 23 completes the transaction by delivering the purchased goods.

On the other hand, electronic money is used as a new payment method besides cash or card. Electronic money can be divided into network type, IC type, and microelectronic money using telephone number. The network type is a method of storing the actual value of money in a specific database on the network and transferring it as needed when paying on-line and cannot be used off-line. IC card type electronic money is a Mondex card as a representative example. Electronic money for small payments using a phone number is registered in the relevant electronic money seller and when you purchase any goods or services on the Internet, you enter your mobile phone number instead of credit card information. This method is added to the mobile communication fee of the service.

However, such a credit card should always be carried in order to pay the cost, there is a risk of being used unfairly when lost. In addition, when using a credit card can easily grasp the individual's credit information has always been exposed to improper use. And, the card can be easily duplicated due to the act of handing the card to the seller for card inquiry. As a result, the dispute between the user and the card company increases, and there is a problem that all responsibility is passed on to the user.

In addition, since the credit card is magnetic, it is easy to read and there is a risk of damage. In addition, since the expiration date is fixed, even if the member with a normal credit rating, the operating cost increases because the card must be reissued and delivered every three to five years. Since the card is usually stored in a wallet, if the card is lost, it is difficult to confirm the loss until the card is used again, and there is a risk of misuse due to theft or loss. In addition, the existing magnetic card has a small amount of information that cannot be accommodated in a variety of applications, and the issuer of each card such as an access card, a securities card, or a service card is wrong. There was a problem that should be.

On the other hand, as the number of cards in possession and the use of cards increases, accidents such as card loss or theft occur frequently, and the cards need to be stopped. In addition, it is necessary to stop the use of the card when registered as a bad credit transaction due to the delinquent use of the card. In order to suspend such a card transaction, the card company system manages black list (B / L) information about a card belonging to theft, loss and bad credit, and checks whether the card transaction approval request is received from the merchant. In addition, a method of checking and comparing blacklist information stored in a wired download from a card company system to a card reader installed at a subway ticket gate or a bus entrance when using a subway or a bus is checked individually.

However, the conventional card transaction stopping method as described above has a problem in that a complaint of service appears due to a delay in the response time of the card reader due to the difficulty of storing a large amount of data in each card reader and the blacklist checking time.

As such, a new payment system, which has been previously filed by the same applicant, has been adopted by the same applicant for a new payment system that allows users to attach and use optical transceivers to portable terminals such as mobile phones and PDAs that are always possessed in place of credit cards that may be lost or unfairly used. -13426.

Accordingly, an object of the present invention is to provide card applicants with card information into a mobile device possessed by the applicant, such as a wireless communication terminal such as a mobile phone or a PDA, instead of a magnetic card for the above-described optical payment system. The present invention provides a card issuing method and system for use.

1 is a block diagram showing a payment system using a general credit card,

2 is a view showing a credit card payment system in a typical e-commerce,

3 is a schematic view showing a light payment system according to the present invention;

4 is a block diagram showing a card issuing system according to an embodiment of the present invention,

5 is a flowchart illustrating a card issuing operation of the system of FIG. 4;

6 is a block diagram showing a card issuing system according to another embodiment of the present invention;

7 is a flowchart illustrating a card issuing operation of the system of FIG. 6;

8 is a block diagram showing a light payment means according to the invention,

9 is a view for explaining a card information encryption method according to the present invention;

10 is a view showing a variety of payment information storage structure,

11 is a view for explaining a method for increasing the security of the payment system using a portable terminal with card information according to the present invention,

12 and 13 are a card information change service system and an operation flowchart provided in the payment system according to the optical payment of the present invention,

14 is a block diagram showing a card transaction stopping system according to the present invention;

15 is a flowchart illustrating a method of registering a blacklist of a card in the system of FIG. 14;

16 is a flowchart for explaining a method of stopping a card transaction in the system of FIG. 14;

17 and 18 is a card loss service system and an operation flowchart provided in the payment system by the optical payment of the present invention,

19 and 20 is a usage history wireless delivery system and an operation flow chart provided in the payment system by the optical payment of the present invention.

<Description of the symbols for the main parts of the drawings>

31: portable terminal 32: optical receiver

33: credit inquiry terminal 34,37: relay station

35: bansa 36: card company

38: mobile communication network

A feature of the present invention for achieving the above object is a method of issuing a card, comprising the steps of: (1) receiving a card issuance application through wired or wireless and the Internet; and (2) the card number generation program. Generating and encrypting the card information including the generated card number, (3) transmitting the encrypted card information to a designated mobile terminal upon receipt of a card issuance request, and storing the encrypted card information on the portable terminal, and (4) storing completed. If there is a card issuing method for using the mobile terminal with the card information is stored as a card, including the step of confirming and approving the normal operation state.

A feature for achieving the object of the present invention, in the system for issuing a card, receiving a card issuance application form, if confirmed and satisfied with the issuer, the card company for encrypting the card information transmitted to the mobile terminal designated by the applicant, and receiving There is a card issuing system including a portable terminal for receiving and storing the card information to be displayed, and display it on the screen to confirm to the applicant that the card is issued.

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

3 is a basic conceptual diagram of a payment system using an optical payment according to the present invention, which is largely divided into a card issuing system and a payment system. The card issuing system attaches the optical transmitter and receiver to the card issuing terminal of the card company and inputs the information of the credit card to the portable terminal of the card applicant with the optical receiver for data optical transmission.The card information is input to the battery pack of the portable terminal. The card is issued through a scheme of downloading a card's information to a mobile terminal through a wired and wireless network. The card issuing system consists of a card applicant 31, a card company issuing a card 36, and a relay station 37 which transmits the information of the issued card to the portable terminal possessed by the applicant 31 using the aforementioned methods. do. Of course, the role of the relay station 37 may be directly performed by the card company 36. A communication network 38 of a mobile communication company corresponding to the mobile terminal is connected between the relay station 37 and the applicant 31 for RF transmission of card information to the portable terminal possessed by the applicant 31. The card company 36 and the relay station 37 are connected through a telephone network (X.25). The payment system includes a mobile terminal 31 for optically transmitting the issued credit information, a credit inquiry terminal 33 for receiving credit information from a customer credit information signal transmitted by attaching an optical receiver 32 and a credit inquiry, and It consists of a payment institution 36 for credit confirmation and transaction approval. The payment institution 36 becomes a bank or a card company, and a transaction approval request is made through the bansa 35. The relay station 34 is selectively connected between the credit inquiry terminal 33 and the bansa 35 of the merchant.

First, a description will be given of a card issuing system in which payment information such as a credit card, a payment card, an electronic money, and a gift certificate is embedded in a personal portable information device (mobile phone, PDA) and issued as a substitute for a card.

4 is a block diagram of a card issuing system according to an embodiment of the present invention. The system shown in FIG. 4 is composed of a card applicant 41 and a card company 42 which issues a qualification screening and identity verification and issues a card. The relay station 44 transmits the issued card information to the portable terminal designated by the applicant 41 through the mobile communication network. In addition, the system shown in FIG. 4 is composed of a mobile communication company 43 for authenticating that the card issuing applicant 41 and the mobile terminal holder are the same person, and a mobile communication agency dealer 45 for selling, subscribing and accepting the mobile terminal. The operation of the card issuing of the system of FIG. 4 having such a configuration will be described in detail with reference to FIG. 5.

The card applicant 41 purchases a mobile terminal (mobile phone, PDA, etc.) that can be used as an optical payment means at the mobile carrier agency 45 and applies for card issuance (step 51). The card of this embodiment is a mobile communication terminal in the form of a mobile phone or PDA with a built-in optical transceiver capable of transmitting card information. Mobile carrier agency 45 delivers the received card issuance application to the card company 42 through the card collector 46. The card company 42 checks whether the person on the card issuance application has applied and examines the card issuance eligibility (step 52). The application for which the card issuance eligibility has been lost as a result of the examination in step 52 is returned to the card applicant 46 or the card applicant 41. In the application that has passed the card issuance examination, the contents described by the employee are computerized into the card company 42 server, and a card number is generated by the card number generation program (step 53). The card company 42 requests whether the mobile terminal to store the card issuer's social security number and card information is owned by the card applicant through a dedicated line already installed according to the contract (step 54). . If the verification code of step 54 does not match, the card issuance application form is returned. If the mobile terminal is confirmed to be owned by the card applicant 41, the card company 42 server encrypts the credit card information including the generated card number and transmits it to the relay station 44 through the dedicated line together with the mobile terminal number (step 55). ). The relay station 44 receives the encrypted card information together with the mobile terminal number. The relay station 44 calls the portable terminal having the number of the portable terminal received via the mobile communication network and transmits the credit card information in the connected state (step 56). The mobile terminal stores the received credit card information in a memory area inaccessible to the user and displays a message for user confirmation on the screen (step 57). On the screen of the mobile terminal, "Congratulations on the registration of the 000 guest card. The limit of the available usage is ‥" is displayed so that the user can check his / her name and the amount used so that the user can check whether the error information has been entered. After checking, the mobile terminal checks whether the terminal is normally terminated (step 58), and if the reception information does not end normally, the mobile terminal returns to step 56 to notify the abnormal input that the relay station 44 can retransmit and perform the step again. do.

The card issuing system mentioned here is called a push method. If the card applicant satisfies the issuance qualification, regardless of whether or not the individual is connected to the card, the mobile terminal designated at the time of the card application is transmitted by embedding the card information, and then informs the card applicant that the card has been issued. In addition, the card can be issued while the user is connected to the relay station 44 via the Internet. In brief, the hatcher 44 transmits a card issuance notification to the mobile terminal via the mobile communication network in the state where the card information is received from the card company 42. The customer confirming the card issuance notification through the portable terminal connects to the relay station 44 and the wireless Internet by operating the keypad of the portable terminal. In the wireless Internet connection state, the relay station 44 transmits a message requesting the identification data to the customer. The identity verification data receives the request message, and the customer operates the keypad of the portable terminal to transmit the identity verification data to the relay station 44. After receiving the identity verification data, the relay station 44 determines whether the customer is currently connected, and if so, transmits the credit card information to the mobile terminal. The mobile terminal stores the received credit card information in the internal memory, displays the message "normally received" on the screen, and exits to allow the user to confirm the normal input. On the other hand, the relay station 44 is terminated after displaying the message "I can not issue card information because you are not the person" on the screen of the mobile terminal unless the person. In this way, the card issuance via the Internet is issued when desired, after inquiring the issuing doctor without notifying the card applicant after issuance.

In addition, a removable IC card using a method such as a subscriber identity module (SIM), a universal subscriber identity module (USIM), a user identity module (UIM), or the like may be mounted on a portable terminal and used to download and store card information.

In addition, the card applicant can visit the card company to enter the card information directly into the mobile terminal. This is called a keypad method. 6 illustrates a card issuing system using a keypad method.

6 shows a card issuing system according to another embodiment of the present invention. The system shown in FIG. 6 includes a portable terminal 61 to which an optical transmitter 62 is attached and for receiving information of an issued card and using it as an optical payment means. The card issuing terminal 64 is attached to the optical transmitter and receiver 63 and inputs the information of the card issued to the mobile terminal 61 possessed by the card applicant. The portable terminal 61 and the card issuing terminal 64 are connected by wire or wireless. The system of FIG. 6 also comprises a computer network 65 and a main computer 66 of a card issuance related financial institution. The operation of the card issuing of the system of FIG. 6 having such a configuration will be described in detail with reference to FIG. 7.

The card applicant visits the card issuer directly with his mobile terminal. Then, the card issuance application is completed and submitted (step 71). The card issuer computerizes the contents described in the submitted application through the card issuing terminal 64 (step 72). Computerized input content is transmitted to the main computer 66 through the computer network (65). The applicant confirms his / her identity through the identification card (step 73). If the identity is confirmed, the card issuer switches the card issuing terminal 64 to the input mode (step 74), and then checks whether the number of the mobile terminal 61 to be inputted with the card information matches the submitted mobile terminal. (Step 75). In this case, check with the mobile service provider or make a phone call. Then, the submitted mobile terminal 61 is switched to the card input mode (step 76). When the card issuing terminal 64 and the portable terminal 61 are in the input mode through the steps 74 and 76, respectively, the optical transmitter 63 and the portable terminal 61 attached to the card issuing terminal 64 are attached. The optical transmitter and receiver 62 face each other to allow optical transmission and reception of card information. Of course, the card issuing terminal 64 and the portable terminal 61 may be directly connected with a cable to transmit and receive card information. The card issuer presses a predetermined input button on the card issuing terminal 64 keyboard to transmit the card information, name, and other information required by the financial institution to the mobile terminal 61 to be recorded (step 77). ). At this time, the transmitted information is input to the main computer 66 through the computer network 65 as well as the portable terminal 61 and recorded. The portable terminal 61 receives and records the information transmitted from the optical transceiver 63 of the card issuing terminal 64 through the attached optical transceiver 62 (step 78). After the input, in the normal operation state check mode of the card issuing terminal 64, after facing the optical transmitter 63, press the predetermined button on the keypad of the mobile terminal 61 to check the operating state (step 79), If there is no abnormality, the personal card information is finally approved (step 80).

Instead of the optical transmission and reception, the card information may be embedded in the portable terminal by cable connection with the card issuing terminal through an external communication port provided in the portable terminal. In addition to the card information, a variety of information may be embedded by the aforementioned means. In other words, information such as a gift or gift card having a conventional coupon or coupon form and information such as each service card may be embedded and transmitted through an optical transceiver.

8 is a block diagram of the optical payment means, which includes an optical transmitter 81 for converting an electrical signal into an optical signal, an optical receiver 82 for converting an optical signal into an electrical signal, and input card information. It consists of a memory 83 for storing various information. The controller 84 controls each component to store the input information and use it as payment information. Modulation and demodulation units 85 and 86 are connected to the optical transmission and reception units 81 and 82, respectively, to demodulate and demodulate signals transmitted and received. The interface units 87 and 88 perform an interface operation between the modulation and demodulation units 85 and 86 and the control unit 84.

The optical payment means of the present invention is not limited to a mobile phone which is a mobile communication terminal equipped with an optical transmitter and receiver, and is applied to a key chain, a clock, an electronic notebook, a PDA, and the like as various types of mobile units (MUs). It is manufactured and can be selected and used according to the user's convenience.

The optical payment means according to the present invention transmits card information in the infrared. At this time, it is necessary to encrypt for security of the card information.

9 is a view for explaining the card information encryption method according to the present invention.

9, the card number consists of one set of the actual card number and the authentication number assigned by the card company. The card number thus constructed is approximately 40 bytes. The relay station 210 receives the card number and executes the compression algorithm set in the compression unit 211 to compress it. In this case, the compression unit 211 converts the card information into the card information that can be embedded in the mobile terminal 215 using the compression table 212. Compressed card information is about 20 bytes. The card information converted as described above is paired with the card ID assigned by the card ID allocator 213 and transmitted to the mobile terminal 215. Here, the card ID is information for distinguishing the card type of the card information.

The mobile terminal 215 receives the card information including the card ID from the relay station 210. The storage index unit 216 of the mobile terminal 215 registers the card ID included in the transferred card information as an index and stores the card information in the memory 217. The storage index unit 216 also stores a card name corresponding to the card information stored in the memory 217 in the screen display memory 218 so that the user can confirm the type of the card selected by the user. When the user selects a card, the corresponding card name stored in the screen display memory 218 is displayed on the screen so that the selected card can be confirmed. Here, the storage index unit 216 has an index memory as shown in Fig. 10A. The index memory is composed of a total length (①) of storing an index, an ID (②) of payment information selected by a user among various types of payment information, and index information (③) indicating a location where payment information is actually stored. As shown in FIG. 10B, the card information memory 217 stores a plurality of pairs of a card ID (1) and a corresponding actual card information (2) for identifying the type of payment information. As shown in FIG. 10C, the screen display memory 218 stores a card ID (1) for identifying the type of payment information and a character or logo data (2) for displaying the actual card type corresponding thereto. do. The screen logo may be a logo of a card company or a logo of a partner company. The card IDs stored in the card information memory 217 and the screen display memory 218 are the same value.

In this state, the card information is encrypted and stored in the portable terminal 215, and the card information is transmitted and received.

As above, the card information is embedded in the mobile terminal in place of the magnetic type card such as the credit card, prepaid card, bank payment card, etc. currently used. At this time, if the card information is embedded in the portable terminal without modification, there is a fear of copy use. In particular, when the card information is directly input into the memory of the portable terminal, there is a concern that the developer of the portable terminal may duplicate the portable terminal memory using specialized equipment. Thus, card issuers such as card companies and banks are trying to avoid embedding in portable terminals in the same form as information currently embedded in magnetic cards. However, in a financial transaction used by an unspecified number, an encryption system using an individual asymmetric key takes a lot of calculation speed, which makes the customer uncomfortable than the current system. In addition, in the case of using a symmetric key, since the symmetric keys input to many POS terminals are the same, it is difficult to protect the keys.

In view of this, a new IC card system is being developed, but it is not spreading due to infrastructure construction costs. Thus, the present invention uses the password specified by the user as a key of the encryption algorithm to increase the security while using the current system as it is. This will be described in detail with reference to FIG. 11.

11 is a flowchart illustrating a method for increasing security of a payment system using a mobile terminal incorporating card information according to the present invention.

The customer fills out a document for the card of the mobile terminal and applies to the financial institution. The customer also enters the password of the card (step 241). The financial institution encrypts the card information such as the card number and the expiration date using the password requested by the customer as the encryption key after the approval after the examination (step 242). The encryption method uses a symmetric key type algorithm that cannot be solved without knowing the user's password, so that the card information inside the portable terminal cannot be read. Here, only part of the card information may be encrypted. The encrypted card information is input to the mobile terminal. For safety, customers who visit the financial institution enter information through the lower interface of the mobile terminal. According to the customer's choice, information may be input to the mobile terminal using a wireless network. At this time, if the password is encrypted in the form of an irreversible function, the security can be further increased. When using the card substitute portable terminal issued through this process, the customer selects a payment mode by inputting a payment password using a keypad operation of the mobile terminal (step 243). In the payment mode, the customer selects the type of card to be used and presses the transmit button to transmit the card information and the password embedded in the portable terminal in the form of infrared rays (step 244). The optical receiver connected to the merchant POS terminal receives the card information and the password from the customer's mobile terminal and delivers it to the merchant POS terminal. Here, the distance between the portable terminal and the optical receiver is a short distance of about 1 m or less, and since it is straight with light, there is no possibility that information is recorded and is safe. The POS terminal operates only a decryption algorithm without storing a separate encryption key, and decrypts card information using the received password (step 245). Thereafter, as in the existing financial transaction system, the card company's computer network determines whether to approve through bansa (step 246). If the received password is wrong, the received and decrypted card information itself is wrong and thus the authorization is not made. When the customer wants to know his or her card information in the payment mode of the portable terminal, when the user selects the card information confirmation menu, the decryption program in the portable terminal operates to display information such as the card number and expiration date on the screen.

Next, a description will be given of the provision of additional services of card information change, card termination / stop / lost and transaction suspension for the payment system by the optical payment of the present invention.

12 and 13 are flowcharts of a card information change service system provided in an optical payment system according to the present invention, and an operation flowchart thereof.

If there is a reason for the change of card information, such as a change of address, password, contact information, billing address, etc., the card member 661 requests the card company 663 or the relay station 662 to apply for a change of card information through a wired / wireless Internet or direct visit. (Step 671). After receiving the request for change of card information, the relay station 662 requests data for confirming that the applicant is the card member 661, and then confirms the contents of the card information to be changed and the target card company to be changed. The relay station 662 requests to change the card information on behalf of the card member 661 to the target card company 663 through a dedicated line (step 672). At this time, the relay station 662 transmits the authentication data (part of the password, social security number, final sales approval, etc.) required for identity verification to the card company 663. The card company 663 verifies whether the received application is the one applied by the user authentication data received from the relay station 662. When the card member 661 requests the card company to change the card information, the card company 663 receives the identity authentication data from the card member 661. If it is confirmed that the card company 663 is the identity of the card company 663, the card information of the member computer ledger registered in the card company server 663 is compared with the card information to be changed (step 673). If there is no difference in both card information as a result of the comparison in step 673, the card company 663 notifies the relay station 662 that there is no change. The relay station 662 transmits the notification contents of the card company 663 to the card member 661 in a wireless data form. If there is a difference as a result of the comparison in step 673, the card company 663 changes the card information contents of the member computer ledger as requested by the member (step 674). When the change is completed, the card company 663 notifies the relay station 662 that the change of the card information is completed. In response to the notification of the card company, the relay station 662 transmits a message of 'completed card information change' to the card substitute mobile phone of the card member (step 675). The card substitute mobile phone possessed by the card member displays a card information change completion message on the screen to notify that the card information has been changed (step 676). Thus, the cardholder can confirm even if another person changes the card information arbitrarily.

On the other hand, if a card is registered as a bad credit transaction due to card loss, theft, or arrears, it is necessary to suspend the card. At this time, there are two conventional methods of checking the card transaction suspension. One is to manage black list (B / L) information on cards that need to be stopped at the card company server when the card transaction needs to be stopped, and check whether the card transaction is stopped when the card transaction approval request is received from the merchant. Way. On the other hand, when using a subway or a bus, a card reader installed at a subway ticket gate or a bus entrance is used to check and check the blacklist (B / L) information that is collectively downloaded from a card company server and wired. These methods require a long blacklist (B / L) check time and put a data storage burden on the subway or bus card reader. Thus, in the case of a card requiring a transaction stop, the card company transmits the transaction stop information by a wireless data method using a mobile communication so as to register the information in a mobile phone used as an optical payment means to stop the transaction. This is illustrated in FIG. 14.

14 is a block diagram of a card transaction stopping system according to the present invention. The system shown in FIG. 14 is largely comprised of a card member 681, a card company 682, a relay station 683, and a mobile communication network 684. FIG. The card member 681 is a person who purchases a portable wireless communication terminal (mobile phone, PDA, etc.) for financial settlement and joins as a card member of a card company. Card company 682 includes a debit card, prepaid card, credit card and electronic money companies. The relay station 683 is a company that has obtained an agreement from the card member 681 in order to provide card information and other financial information to the card member 681 by entering into a contract with the card company 682 and other financial institutions. The mobile communication network 684 is a network for transmitting data from the relay station 683 to a specific wired / wireless communication terminal designated by the relay station 683 through a dedicated line by a contract signed by the mobile communication company with the relay station 683. The operation of stopping the transaction when the terminal is used by registering a blacklist (B / L) for registering the transaction suspension on the card in which such a transaction has been suspended in such a system is carried out using the terminal. Explain.

If the customer applies for termination or suspension (step 691), or is registered as a bad transaction (B / L) by the credit card company 682 (step 692), the card is embedded in a mobile terminal such as a mobile phone or PDA. It is determined whether the card is a card (step 693). If the determination result in step 693 is a portable card, the card company 682 checks the phone number of the mobile terminal in which the card is embedded (step 694), and transmits the card transaction stop information to the relay station 683 via a dedicated line (step 695). ). The relay station 683 calls the mobile phone 681 via the mobile communication network 684 by calling the confirmed phone number and transmits transaction stop information (step 696). Here, the transaction stop information is transmitted in a wireless data method. The portable terminal 681 receives this transaction stop information and registers a blacklist (B / L) in the card information stored in the internal memory or the removable IC card (step 697). The mobile terminal 681 receiving the transaction stop information sends a response signal to the card company 682 to determine whether the transaction stop information is normally input at the card company 682. The card company 682 determines whether the transaction stop information is normally input to the mobile terminal 681 (step 698), and repeats the steps from step 696 so that the card transaction stop information is retransmitted if it is not normally input. On the other hand, if the determination result of step 693 is not a portable card, the card company 682 processes the same as before (step 699). That is, card transaction suspension is registered in the card company approval server.

The method of stopping the transaction when the mobile terminal 681 registered as the blacklist (B / L) as a card substitute will be described in detail with reference to FIG.

When the holder of the card substitute mobile terminal 681 tries to transfer credit information by pressing the credit card use button of the mobile terminal 681 to pay for the service (step 701), the control unit in the mobile terminal 681 blacklists. (B / L) Check whether or not to register (step 702). If blacklist (B / L) registration has been made, the control section of the portable terminal 681 ends the rejection process by displaying an error message on the display window of the portable terminal 681 (step 704). If the blacklist (B / L) registration is not performed in step 702, the portable terminal 681 transfers the stored credit information to the card information receiving side (step 703), and ends.

By using the transaction suspension method as described above, a small transaction that is used without a transaction approval, that is, a blacklist check when using a credit card in a transportation (valid road, bus, subway, window), vending machine, micro e-commerce, etc. It is faster in terms of processing speed and lower in system operation cost than readers manually matching blacklists downloaded in bulk from the card company server.

17 and 18 are flowcharts illustrating a card loss service system and an operation flowchart provided in the payment system using the optical payment according to the present invention.

If the card member is lost due to the negligence or negligence of the card member or the card type or number of cards owned by the card member is not known (step 721), the card member reports the card loss to the relay station 712 (see step 721). Step 722). The relay station 712 collects data (partial password, social security number, recent approval details, etc.) to confirm that the reporter is the owner of the lost card. The relay station 712 extracts a card number that has not expired from all card numbers issued by the card member based on the resident number from the collected data. The relay station 712 transmits, to the issuing card company 713, the card, which is not lost by the card member, among the extracted card numbers to the issuing card company 713 with the personal authentication information on the leased line (step 723). When the card company 713 confirms the identity by checking the identification information among the received information, the card company 713 registers the transaction suspension for the reason of loss in the computational database 714 of the card company 713, and transmits the registration information to the relay station 712. (Step 724). The relay station 712 transmits the transaction stop information received from the card company 713 to the wireless terminal 711 designated by the card member in a wireless transmission method (step 725). The wireless terminal 711 marks the transaction stop completion due to loss on the screen so that the card member can know that the loss report has been processed (step 726). If there is an error in the displayed contents, the card member appeals to the card company 713 or the relay station 712 (step 727).

As such, when the transaction is stopped due to the loss of the card, transmission of the payment information of the lost mobile terminal is stopped. In addition, a mobile communication company may stop the communication function of the mobile terminal so that it cannot be used fundamentally.

However, even if a card member raises an objection to fraudulent use before reporting a lost or stolen card, the card company does not accept it, which is a cause of dispute. In order to prevent such a dispute in advance, the present invention provides a method of transferring a description made using various payment information embedded in a mobile terminal to a user's mobile terminal through a wireless communication network.

19 and 20 are a usage history wireless delivery system and an operation flow chart provided in the payment system by the optical payment of the present invention.

If the customer purchases goods and services at the merchant (step 741), and the payment information for the photo payment is delivered, the card inquiry machine 732 makes a request for approval to the card company 733. The card company 733 checks the remaining limit and the transaction suspension of the card requesting the authorization and transmits the authorization to the card inquiry machine 732 if there is no error (step 742). The card company 733 also confirms whether or not the member of the card number requested for approval is the member who applied to receive the approval details wirelessly (step 743). If you are confirmed as an unapplied member, you will be terminated. If it is confirmed as an application member and the approval occurred for the first time after the application, it is checked whether the card member is the owner of the wireless data transmitter / receiver (mobile phone, PDA, pager, etc.) 731 that the card member wants to receive through a dedicated line connected to the mobile carrier 735 ( Step 744). If confirmed as the owner, the card company 733 transmits the details (sales time, sales amount, merchant name, part of the card number, etc.) approved to the relay station 734 via the leased line (step 745). The relay station 734 transmits the approval information transmitted from the card company 733 by using an e-mail and a wireless transmission method using the communication network 736 of the mobile communication company 735 (step 746). The wireless data transmitter / receiver promised to receive by the card member 731 receives and records the approval details through e-mail and wireless data method or WAP (step 747), and displays the approval details to be confirmed by the card member (step 748). If the card member has not received the fact of use, but the approval-related details have been delivered, the relay station 734 or the card company 733 protests the illegal sales due to the unused, and requests an appropriate action (step 749). The relay station 734 immediately transmits the objection to the card company 733. The card company 733 initiates an investigation of the received objection (step 750).

As described above, the card issuing method and system for the optical payment system of the present invention, a wireless terminal connected to the mobile terminal having the number of the mobile terminal specified when the card issuing application or wirelessly connected or cable connection card information or through the keypad It is possible to construct a simple and secure transaction system by directly inputting information or attaching an optical transmitter and receiver to the card issuing terminal of the card company to optically transmit the card information and storing and issuing the card information in the internal memory or a removable IC card of the portable terminal. . In addition, when reissuing a card or issuing a new card, only the card information embedded in the mobile terminal needs to be changed, thereby reducing the cost of the plastic card that must be continuously issued, thereby increasing economic efficiency. In addition, card readers download blacklist lists from card companies in the card transaction suspension field and register blacklists on the mobile terminals without checking them all at once to prevent black payments from occurring in the mobile terminal itself. It is cheap in terms of system operation cost.

Claims (43)

In the method of issuing a card, (1) receiving a card issuance request through wired or wireless network; (2) generating a card number by a card number generation program and encrypting card information including the generated card number; (3) transmitting the encrypted card information to a designated portable terminal upon receipt of a card issuance request and storing the encrypted card information in the portable terminal; And (4) including the step of confirming and approving the normal operation state when the storage is completed, A card issuing method that allows a mobile terminal that stores card information to be used as a card. The method of claim 1, wherein step (2) (2a) generating a card number and assigning an authentication number to configure one set; (2b) compressing a card number to which an authentication number is assigned according to a predetermined compression algorithm; And (2c) assigning a card ID to the compressed card number. The card issuing method according to claim 1, wherein said step (3) transmits the card information in a connected state by calling a mobile terminal having a number of said designated mobile terminal and storing it in the portable terminal. The method of claim 1, wherein step (3) (3a) informing the portable terminal of the issuance of the card and connecting to the wireless Internet; (3b) transmitting a message requesting identity data in a wireless Internet connection state and receiving identity data corresponding thereto; And (3c) From the received identity verification data, it is determined whether the customer who is currently connected is identified as the identity of the customer, and if it is determined that the card information is transmitted to the mobile terminal for download, the card information cannot be issued to the mobile terminal screen unless it is the user. A card issuing method comprising the step of presenting an informing message. 5. The card issuing method according to claim 4, wherein said step (3c) downloads and issues card information to an internal memory of a mobile terminal. The card issuing method according to claim 4, wherein the step (3c) downloads and issues card information to a SIM, USIM, and UIM type IC card that can be detachably used in a portable terminal. The card issuing method according to claim 1, wherein said step (3) directly inputs card information through a keypad of a mobile terminal. The card issuing method according to claim 1, wherein said step (3) transmits card information by a wireless data method. The card issuing method according to claim 1, wherein said step (3) transfers card information through a cable. 2. The card issuing method according to claim 1, wherein said step (3) optically transmits card information to an optical transmitter attached to a portable terminal. The card issuing method of claim 1, further comprising the step (5) of changing the card information when the change of the card information occurs and displaying the message on the corresponding mobile terminal to confirm the message. The card issuing method according to claim 1, further comprising the step (6) of stopping the use by registering a blacklist in the portable terminal when a transaction stop reason of the issued card occurs. 13. The card issuing method according to claim 12, wherein the step (5) indicates that the loss report has been processed by displaying a transaction stop due to loss on the designated wireless data receiver when the reason for the transaction stoppage is card loss. 13. The method of claim 12, wherein step (6) (6a) transmitting the blacklist information to the mobile terminal corresponding to the card information on which the transaction suspension reason occurs; (6b) receiving and registering the transmitted blacklist information; (6c) determining whether to register a blacklist when using a card embedded in the mobile terminal; And And (6d) rejecting the use of the card if the blacklist is registered as a result of the determination, and transmitting and using the embedded card information if the blacklist is not registered. 15. The card issuing method according to claim 14, wherein said step (6a) performs short message transmission (SMS). In the card issuing system for an optical payment system using a portable terminal with an optical transceiver as a payment means for the card, If the card issuance application is received and the eligibility is confirmed, the card number generation program generates a card number and encrypts the card information including the generated card number and sends it to the mobile terminal designated by the applicant. ; And A card issuing system including a portable terminal that receives the received card information and stores it in a memory area inaccessible to the general user, and displays it on the screen to confirm to the applicant that the card has been issued. 17. The card issuing system of claim 16, further comprising a mobile carrier server for authenticating that the card issuing applicant and the owner of the mobile terminal are the same person. 18. The card issuing system of claim 17, wherein a card issuing terminal is connected between a card issuing terminal of the card company and a server of a mobile communication company. The card issuing system of claim 16, wherein the card issuing system and the portable terminal of the card company are connected by cable to transfer card information. 20. The method of claim 19, wherein the card issuing terminal has an optical transmitter and receiver attached thereto to optically transmit card information. The portable terminal is a card issuing system for receiving and inputting the card information to which the optical transmitter and the optical transmission. The card issuing system of claim 16, wherein the portable terminal downloads and stores the input card information into an internal memory or a removable IC card of a SIM, USIM, or UIM type. The card issuing system of claim 21, wherein the portable terminal notifies the card issuing terminal of the card company if the card information is not normally input. 23. The card issuing system according to claim 22, wherein said portable terminal is a wireless communication terminal with an optical transceiver. The method of claim 22, wherein the card information includes each person's name and credit card number, The card issuing system for using the mobile terminal as a credit card substitute. The method of claim 22, wherein the card information is identification information of an individual, The card issuing system for using the portable terminal as an access card substitute. In the card issuing system for an optical payment system using a portable terminal with an optical transceiver as a payment means for the card, A card issuing terminal that receives the card issuance application form and checks the issuance eligibility and satisfies the card information by encrypting the card information and delivering the card to the relay station; A repeater which re-encrypts the card information transmitted from the card issuing terminal of the card company and transmits the card information to the portable terminal designated by the applicant through a communication network; And A card issuing system including a mobile terminal for receiving and storing the received card information, and displays it on the screen to confirm to the applicant that the card is issued. 27. The card issuing system of claim 26, further comprising a mobile carrier server for authenticating that the card issuing applicant and the owner of the portable terminal are the same person. 28. The card issuing system of claim 27, wherein a card issuing terminal is connected between the card issuing terminal of the card company and a server of a mobile communication company. 27. The card issuing system of claim 26, wherein the repeater performs a short message transmission service of the card information to a portable terminal by a wireless data method. 30. The apparatus of claim 29, wherein the repeater A compression unit which receives a card number to which an authentication number is assigned from a card issuing terminal of the card company and executes a predetermined compression algorithm to compress the card number; And And a card ID assignment unit for allocating a card ID to a compressed card number. 27. The card issuing system of claim 26, wherein the portable terminal decrypts and stores the input card information in a state before being encrypted by the repeater. 32. The card issuing system of claim 31, wherein the portable terminal stores card information input in a memory area inaccessible to a general user and uses the card information as a card substitute. 33. The card issuing system of claim 32, wherein the portable terminal notifies the repeater if the card information is not normally input. 34. The card issuing system according to claim 33, wherein said portable terminal is a wireless communication terminal with an optical transceiver. The mobile terminal of claim 30, wherein the mobile terminal A storage index unit receiving card information assigned with a card ID and storing the card ID as an index; A card information memory for storing a card ID and actual card information corresponding thereto in pairs; And And a screen display memory for storing characters and logo data for displaying the card ID and the actual card type corresponding thereto. 36. The card issuing system of claim 35, wherein the storage index unit comprises an index memory including a total length of storing an index, an ID of card information selected by a user among a plurality of card information, and index information indicating a location where card information is actually stored. . 35. The method of claim 34, wherein the card information includes each person's name and credit card number, The card issuing system for using the mobile terminal as a credit card substitute. The method of claim 34, wherein the card information is identification information of an individual, The card issuing system for using the portable terminal as an access card substitute. 27. The card issuing system of claim 26, wherein the card issuing terminal of the card company checks the telephone number of the mobile terminal corresponding to the card and transmits card transaction stop information to the repeater when a transaction stop reason occurs. 40. The card issuing system of claim 39, wherein the repeater calls the mobile terminal of the telephone number identified by the card issuing terminal of the card company to blacklist the card transaction stop information to the mobile terminal. 41. The card issuing system according to claim 40, wherein said repeater transmits transaction stop information by a wireless data method. 42. The card issuing system according to claim 41, wherein, when the portable terminal is blacklisted, an error message is displayed and rejected when using the card. 27. The card issuing system of claim 26, wherein the card issuing terminal of the card company confirms the identity when the request for the change of the card information is received and changes the card information of the mobile terminal through the repeater.