KR100760590B1 - Method for making use of credit card in member stores by wireless infrared communication - Google Patents

Method for making use of credit card in member stores by wireless infrared communication Download PDF

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KR100760590B1
KR100760590B1 KR1020040099113A KR20040099113A KR100760590B1 KR 100760590 B1 KR100760590 B1 KR 100760590B1 KR 1020040099113 A KR1020040099113 A KR 1020040099113A KR 20040099113 A KR20040099113 A KR 20040099113A KR 100760590 B1 KR100760590 B1 KR 100760590B1
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credit card
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남덕영
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(주) 엘지텔레콤
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    • G06—COMPUTING; CALCULATING OR COUNTING
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards

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Abstract

본 발명은 무선 적외선 통신을 이용한 가맹점에서의 신용카드 이용방법에 관한 것으로서, 신용카드 정보가 저장된 IC 칩이 내장된 이동통신단말기를 이용하여, 신용카드사로부터 결제승인정보를 수신받아, 신용카드 가맹점에 구비된 적외선 금융 메시징 디바이스를 통해 신용카드 결제를 할 수 있도록 하는 것을 목적으로 한다. The present invention relates to a method of using a credit card in an affiliated store using wireless infrared communication, and receives payment approval information from a credit card company by using a mobile communication terminal having an IC chip in which credit card information is stored. An object of the present invention is to enable credit card payment through an equipped infrared financial messaging device.

본 발명의 무선 적외선 통신을 이용한 가맹점에서의 신용카드 이용방법은, 신용카드 가맹점(100)에서 청구하는 계산서를 확인하고, 신용카드 정보가 저장된 IC 칩(140)이 내장된 이동통신단말기(130)에서 제공하는 화면을 통해 결제정보를 입력하는 단계와; 상기 이동통신단말기를 통하여 신용카드사(160)에 상기 결제정보를 전송하는 단계와; 상기 이동통신단말기에 신용카드사로부터 결제승인정보를 수신하는 단계와; 그리고, 상기 이동통신단말기에 저장된 결제승인정보를 신용카드 가맹점에 구비된 적외선 금융 메시징 디바이스(IrFM Device, 114)에 전송하여 신용카드 결제를 수행하는 단계;를 포함하여 이루어진다. In the method of using a credit card at an affiliated store using wireless infrared communication of the present invention, the mobile terminal 100 includes a built-in IC chip 140 that checks a bill charged by the credit card affiliated store 100 and stores credit card information. Inputting payment information through a screen provided by; Transmitting the payment information to a credit card company (160) through the mobile communication terminal; Receiving payment approval information from a credit card company in the mobile communication terminal; And transmitting the payment approval information stored in the mobile communication terminal to an infrared financial messaging device (IrFM device) 114 provided in the credit card affiliate store to perform a credit card payment.

무선, 적외선, 통신, IrFM, 신용카드, 결제, 이동통신, 단말기, 가맹점Wireless, Infrared, Communication, IrFM, Credit Card, Payment, Mobile Communication, Terminal, Merchant

Description

무선 적외선 통신을 이용한 가맹점에서의 신용카드 이용방법 {METHOD FOR MAKING USE OF CREDIT CARD IN MEMBER STORES BY WIRELESS INFRARED COMMUNICATION}How to use credit card at merchant using wireless infrared communication {METHOD FOR MAKING USE OF CREDIT CARD IN MEMBER STORES BY WIRELESS INFRARED COMMUNICATION}

도 1은, 본 발명에 따른 무선 적외선 통신을 이용한 가맹점에서의 신용카드 이용방법을 수행하기 위한 시스템 구성과, 그 메시지 흐름을 나타내는 도면이다. 1 is a diagram showing a system configuration for performing a method of using a credit card in a merchant using wireless infrared communication according to the present invention, and a message flow thereof.

도 2는, 본 발명에 따른 무선 적외선 통신을 이용한 가맹점에서의 신용카드 이용방법을 나타내는 흐름도이다. 2 is a flowchart illustrating a method of using a credit card in an affiliated store using wireless infrared communication according to the present invention.

<도면의 주요 부분에 대한 부호의 설명><Explanation of symbols for main parts of the drawings>

100 : 신용카드 가맹점, 114 : 적외선 금융 메시징 디바이스(IrFM Device), 100: credit card merchant, 114: infrared financial messaging device (IrFM Device),

130 : 이동통신단말기, 140 : IC 칩, 130: mobile communication terminal, 140: IC chip,

160 : 신용카드사. 160: credit card company.

본 발명은 무선 적외선 통신을 이용한 가맹점에서의 신용카드 이용방법에 관한 것으로서, 특히 신용카드 정보가 저장된 IC 칩(IC Chip)이 내장된 이동통신단말 기를 이용하여, 신용카드사로부터 결제승인정보를 수신받아, 신용카드 가맹점에 구비된 적외선 금융 메시징 디바이스(Infrared Financial Messaging Device)를 통해 신용카드 결제를 할 수 있는 무선 적외선 통신을 이용한 가맹점에서의 신용카드 이용방법에 관한 것이다. The present invention relates to a method of using a credit card in an affiliated store using wireless infrared communication, and in particular, receives payment approval information from a credit card company by using a mobile communication terminal having an IC chip in which credit card information is stored. In addition, the present invention relates to a method of using a credit card in an affiliated store using wireless infrared communication capable of making a credit card payment through an infrared financial messaging device provided in a credit card affiliated store.

일반적으로 가맹점에서 신용카드를 결제하기 위해서는, 가맹점에 구비된 밴(Van) 결제망의 신용카드조회기를 통하여, 신용카드사로부터 결제정보를 승인받아 신용카드를 결제하고 있다. 이러한 일반적인 신용카드 결제방법은, 신용카드 분실이나 신용카드 정보의 누설로 사고가 발생할 우려가 있다. In general, in order to settle a credit card at a merchant, a credit card checker of a van payment network provided at the merchant stores a credit card company by accepting payment information from a credit card company. In such a general credit card payment method, an accident may occur due to loss of credit card or leakage of credit card information.

한편, 국제적외선 데이터 통신협회(IrDA)에 의해 금융결제용 적외선 통신 국제 표준규격으로, 적외선 금융 메시징(Infrared Financial Messaging, IrFM)이 공식 채택되어, 휴대폰, PDA 등 이동통신단말기의 지불 규격으로서의 활용이 전망되고 있다. Meanwhile, Infrared Financial Messaging (IRFM) has been officially adopted as an international standard for infrared communication for financial settlement by the IrDA, which makes it easy to use as a payment standard for mobile communication terminals such as mobile phones and PDAs. It is expected.

예컨대, 고객들은 근접거리 지불 규격에 의해 제공되는 방식을 통해, 이동통신단말기로부터 지하철, 톨게이트, 버스 등에 장착된 적외선 수신부를 통해 금융결제를 할 수 있다. For example, customers can make financial payments through an infrared receiver mounted on a subway, toll gate, bus, etc. from a mobile communication terminal through a method provided by a proximity payment standard.

그러나, 상기한 바와 같은 IrFM 결제 방법에 있어서는, 결제정보로서 결제금액만을 확인할 수 있기 때문에, 이동통신단말기를 통하여 신용카드 가맹점에서 신용카드 결제를 하는 것이 곤란한 문제점이 있다. However, in the IrFM payment method as described above, since only the payment amount can be confirmed as payment information, it is difficult to make a credit card payment at a credit card merchant through a mobile communication terminal.

본 발명은 상기한 종래 문제점을 고려하여 이루어진 것으로서, 신용카드 정보가 저장된 IC 칩이 내장된 이동통신단말기를 이용하여, 신용카드사로부터 결제승인정보를 수신받아, 신용카드 가맹점에 구비된 적외선 금융 메시징 디바이스를 통해 신용카드 결제를 할 수 있도록 하는 것을 목적으로 한다.
The present invention has been made in view of the above-mentioned conventional problems, and receives an approval information from a credit card company by using a mobile communication terminal having an IC chip in which credit card information is stored, and an infrared financial messaging device provided in a credit card affiliate store. The purpose is to allow credit card payments through.

상기 목적을 달성하기 위하여, 본 발명에 따른 무선 적외선 통신을 이용한 가맹점에서의 신용카드 이용방법은, 신용카드 가맹점에서 청구하는 계산서를 확인하고, 신용카드 정보가 저장된 IC 칩이 내장된 이동통신단말기에서 제공하는 화면을 통해 결제정보를 입력하는 단계와; 상기 이동통신단말기를 통하여 신용카드사에 상기 결제정보를 전송하는 단계와; 이동통신단말기에 신용카드사로부터 결제승인정보를 수신하는 단계와; 그리고, 상기 이동통신단말기에 저장된 결제승인정보를 신용카드 가맹점에 구비된 적외선 금융 메시징 디바이스에 전송하여 신용카드 결제를 수행하는 단계;를 포함하여 이루어지는 것을 특징으로 한다. In order to achieve the above object, a method of using a credit card in a merchant using wireless infrared communication according to the present invention, checks the bill billed by the credit card merchant, in a mobile communication terminal with an IC chip in which the credit card information is stored Inputting payment information through a provided screen; Transmitting the payment information to a credit card company through the mobile communication terminal; Receiving payment approval information from a credit card company in a mobile communication terminal; And transmitting the payment approval information stored in the mobile communication terminal to an infrared financial messaging device provided at the credit card affiliate store to perform the credit card payment.

본 발명에 따르면, 이동통신단말기에 입력되는 결제정보는, 결제금액 및 당해 신용카드 가맹점 ID 등의 정보가 포함될 수 있다. According to the present invention, the payment information input to the mobile communication terminal may include information such as the payment amount and the credit card merchant ID.

본 발명의 특징 및 이점들은 첨부도면에 의거한 다음의 상세한 설명으로 더욱 명백해질 것이다. 이에 앞서, 본 명세서 및 청구범위에 사용된 용어나 단어는, 발명자가 그 자신의 발명을 가장 최선의 방법으로 설명하기 위해 용어의 개념을 적절하게 정의할 수 있다는 원칙에 입각하여 본 발명의 기술적 사상에 부합하는 의미 와 개념으로 해석되어야만 한다. The features and advantages of the present invention will become more apparent from the following detailed description based on the accompanying drawings. Prior to this, the terms or words used in the present specification and claims are based on the principle that the inventor can appropriately define the concept of terms in order to explain the invention in the best way. It should be interpreted as meanings and concepts corresponding to

도 1에는, 본 발명에 따른 무선 적외선 통신을 이용한 가맹점에서의 신용카드 이용방법을 수행하기 위한 시스템이 도시되어 있다. 1, there is shown a system for performing a method of using a credit card in a merchant using wireless infrared communication according to the present invention.

참조부호 100은 신용카드 가맹점으로서, 신용카드사(160)를 연결하는 신용카드조회망(150)에 연결된 신용카드조회기(112)와 적외선 금융 메시징 디바이스(IrFM Device, 114)가 구비되어 있다. 상기 신용카드조회기(112)는 오프라인에서 신용카드(120)로 결제하고자 할 경우에 사용되며, 적외선 금융 메시징 디바이스(114)는 이동통신단말기(130)를 통하여 신용카드 결제를 수행하고자 할 경우에 사용된다. Reference numeral 100 is a credit card merchant, and is provided with a credit card inquiry device 112 and an infrared financial messaging device (IrFM Device, 114) connected to a credit card inquiry network 150 connecting the credit card company 160. The credit card inquiry machine 112 is used to pay with a credit card 120 offline, and the infrared financial messaging device 114 to perform credit card payment through the mobile communication terminal 130. Used.

상기 이동통신단말기(130)에는, 신용카드 정보가 저장된 IC 칩(140)이 내장되어 있다. The mobile communication terminal 130 has an IC chip 140 in which credit card information is stored.

또한, 도 2에는 본 발명에 따른 무선 적외선 통신을 이용한 가맹점에서의 신용카드 이용방법을 나타내는 흐름도가 도시되어 있다. 2 is a flowchart illustrating a method of using a credit card at an affiliate store using wireless infrared communication according to the present invention.

다음에, 본 발명에 따른 무선 적외선 통신을 이용한 가맹점에서의 신용카드 이용방법에 대하여 도 2를 참조하여 설명한다. Next, a method of using a credit card at an affiliated store using wireless infrared communication according to the present invention will be described with reference to FIG.

신용카드 정보가 저장된 IC 칩(140)이 내장된 이동통신단말기(130)를 구비한 사용자가, 신용카드 가맹점(100)에서 청구하는 금액을 결제하고할 경우, 신용카드 가맹점(100)에서 청구하는 계산서를 확인하고, 이동통신단말기(130)에서 제공하는 화면을 통해 결제정보를 입력한다(S100). 이때, 상기 이동통신단말기(130)에 입력되는 결제정보로는 결제금액, 당해 신용카드 가맹점 ID 등의 정보가 입력될 수 있다.When a user having a mobile communication terminal 130 in which the IC chip 140 in which credit card information is stored has paid the amount charged by the credit card merchant 100, the credit card merchant 100 charges it. Check the bill, and enter the payment information through the screen provided by the mobile communication terminal 130 (S100). In this case, as payment information input to the mobile communication terminal 130, information such as a payment amount and a corresponding credit card affiliate store ID may be input.

다음에, 상기 이동통신단말기(130)를 통하여 신용카드사(160)에 상기 결제정보를 전송하여 결제승인을 요청한다(S110). Next, the payment information is transmitted to the credit card company 160 through the mobile communication terminal 130 to request payment approval (S110).

다음에, 이동통신단말기(130)에 신용카드사(160)로부터 결제승인정보를 수신한다(S120). Next, the mobile terminal 130 receives payment approval information from the credit card company 160 (S120).

다음에, 이동통신단말기(130)의 화면상에서 승인여부를 확인하고(S130), 승인이 이루어지지 않은 경우에는, 다른 결제방법을 수행하며(S140), 승인이 이루어진 경우에는, 상기 이동통신단말기(130)에 저장된 결제승인정보를 신용카드 가맹점(100)에 구비된 적외선 금융 메시징 디바이스(114)에 무선 적외선 통신으로 전송하여 신용카드 결제를 수행한다(S150). Next, check whether the approval on the screen of the mobile communication terminal 130 (S130), if the approval is not made, perform another payment method (S140), if the approval is made, the mobile communication terminal ( The payment approval information stored in 130 is transmitted to the infrared financial messaging device 114 provided in the credit card merchant 100 by wireless infrared communication to perform the credit card payment (S150).

기존의 신용카드(120)로 결제하고 할 경우에는, 신용카드사(160)를 연결하는 신용카드 조회망(150)에 연결된 신용카드조회기(112)를 통하여, 신용카드 결제를 수행한다. When the payment is made by the existing credit card 120, the credit card checker 112 is connected to the credit card inquiry network 150 connecting the credit card company 160, the credit card payment is performed.

상기한 바와 같이 구성된 무선 적외선 통신을 이용한 가맹점에서의 신용카드 이용방법에 의하면, 사용자가 직접 이동통신단말기(130)를 이용하여, 신용카드사(160)로부터 결제승인정보를 수신받아, 신용카드 가맹점(100)에 구비된 적외선 금융 메시징 디바이스(114)를 통해 신용카드 결제를 할 수 있으므로, 신용카드 결제롤 안전하고 편리하게 사용할 수 있다. According to the method of using a credit card in an affiliated store using the wireless infrared communication configured as described above, the user directly receives payment approval information from the credit card company 160 using the mobile communication terminal 130, and the credit card affiliated store ( Since the credit card payment can be made through the infrared financial messaging device 114 provided at 100, the credit card payment roll can be used safely and conveniently.

Claims (2)

신용카드 가맹점에서 청구하는 계산서를 확인하고, 신용카드 정보가 저장된 IC 칩이 내장된 이동통신단말기에서 제공하는 화면을 통해 결제정보가 입력되는 단계와; Checking a bill charged by a credit card merchant and inputting payment information through a screen provided by a mobile communication terminal having an IC chip storing credit card information; 상기 이동통신단말기를 통하여 신용카드사에 상기 결제정보를 전송하는 단계와; Transmitting the payment information to a credit card company through the mobile communication terminal; 상기 이동통신단말기에 상기 신용카드사로부터 결제승인정보를 수신하는 단계와; 그리고, Receiving payment approval information from the credit card company at the mobile communication terminal; And, 상기 이동통신단말기에 저장된 결제승인정보를 상기 신용카드 가맹점에 구비된 적외선 금융 메시징 디바이스(IrFM Device)에 전송하여 신용카드 결제를 수행하는 단계를 포함하며,Transmitting the payment approval information stored in the mobile communication terminal to an infrared financial messaging device (IrFM device) provided in the credit card affiliate store to perform a credit card payment; 상기 이동통신단말기에 입력되는 상기 결제정보는, 결제금액 및 당해 신용카드 가맹점 ID의 정보인 것을 특징으로 하는 무선 적외선 통신을 이용한 가맹점에서의 신용카드 이용방법. And the payment information input to the mobile communication terminal is information of a payment amount and the credit card affiliate store ID. 삭제delete
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Publication number Priority date Publication date Assignee Title
KR20010044684A (en) * 2001-03-16 2001-06-05 정상원 Monetary settlement system and method for member shop using credit card and mobile communication
KR20020052156A (en) * 2002-06-03 2002-07-02 안지영 Wireless credit card payment system and method using mobile communication terminals with short distance wireless communication function
KR200307074Y1 (en) 2002-10-10 2003-04-10 안지영 Mobile communication terminals for credit card payment and credit card payment system
KR20040016548A (en) * 2002-08-17 2004-02-25 안지영 Wireless credit card payment system and method using card checker and mobile communication terminals with short distance wireless communication function
KR20040061248A (en) * 2002-12-30 2004-07-07 노틸러스효성 주식회사 System and method for credit payment using mobile communication terminal

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20010044684A (en) * 2001-03-16 2001-06-05 정상원 Monetary settlement system and method for member shop using credit card and mobile communication
KR20020052156A (en) * 2002-06-03 2002-07-02 안지영 Wireless credit card payment system and method using mobile communication terminals with short distance wireless communication function
KR20040016548A (en) * 2002-08-17 2004-02-25 안지영 Wireless credit card payment system and method using card checker and mobile communication terminals with short distance wireless communication function
KR200307074Y1 (en) 2002-10-10 2003-04-10 안지영 Mobile communication terminals for credit card payment and credit card payment system
KR20040061248A (en) * 2002-12-30 2004-07-07 노틸러스효성 주식회사 System and method for credit payment using mobile communication terminal

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