KR101046504B1 - Methods of settlement of credit card transaction and system using the methods - Google Patents
Methods of settlement of credit card transaction and system using the methods Download PDFInfo
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- KR101046504B1 KR101046504B1 KR1020100123261A KR20100123261A KR101046504B1 KR 101046504 B1 KR101046504 B1 KR 101046504B1 KR 1020100123261 A KR1020100123261 A KR 1020100123261A KR 20100123261 A KR20100123261 A KR 20100123261A KR 101046504 B1 KR101046504 B1 KR 101046504B1
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- 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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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- 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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3224—Transactions dependent on location of M-devices
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- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention provides a credit card payment approval method and a credit card payment approval system using a roaming system. In the credit card settlement approval method of the present invention, the domestic mobile service provider server receives first roaming information including mobile communication subscriber station communication information from an overseas mobile service provider, and the domestic mobile service provider server comprises a first roaming. If the customer information of the mobile communication subscriber terminal is included in the mobile communication notification service subscriber information based on the information, transmitting the second roaming information to the card company server, and the card company server requests the card payment based on the second roaming information. Approving the step.
Description
The present invention relates to a payment approval method, and more particularly, to a method for approving a credit card payment by comparing payment information of a credit card with a location information of a user, and a credit card payment approval system using the same.
Various mobile operators that operate mobile communication systems provide roaming services to prevent overlapping investment and waste of communication resources. Roaming service is a subscription using a service provided by another carrier when a mobile terminal user who is subscribed to a mobile operator moves to another service provider's mobile communication system area, especially an overseas mobile service provider's service area. By allowing one service to be used as it is, it is possible to prevent overlapping investment among mobile operators and to provide better call quality to subscribers.
The roaming service can confirm the country location information of the customer when the customer sends a communication request in the service area by a contract concluded between specific mobile communication providers.
The technical problem to be achieved by the present invention is to provide a credit card payment approval method and a payment approval system using the same to obtain the country information based on the roaming service of the mobile communication terminal of the card subscriber to prevent overseas theft payment of the credit card. will be.
In a credit card payment approval method according to an embodiment of the present invention, a domestic mobile service provider server receives first roaming information including mobile communication subscriber terminal communication information from an overseas mobile service provider, and the domestic mobile communication service provider. The server, when the customer information of the mobile communication subscriber terminal is included in the mobile communication notification service subscriber information based on the first roaming information, transmitting second roaming information to a card company server; And approving the card payment request based on the second roaming information.
In an embodiment, the transmitting of the second roaming information may include: storing the first roaming information in a first database unit, customer information of a mobile subscriber station included in the first roaming information; Comparing the mobile communication notification service subscriber information stored in the first database unit, and when the customer information is included in the mobile communication notification service subscriber information, processing the first roaming information into the second roaming information; And transmitting to the card company server.
In an embodiment, the approving the card payment request may include: storing the second roaming information in a second database unit; and including country information included in the card payment request and the second roaming information. Comparing the country information, and if the country information match each other, the step of approving the card payment request.
In an embodiment, the approving the card payment request may include: storing the second roaming information in a second database unit, and customer information included in the second roaming information is included in the card company notification service subscriber information. Determining whether the customer information included in the second roaming information is included in the card company notification service subscriber information, and comparing the country information included in the card payment request information with the country information included in the second roaming information. Step, if the country information does not match, requesting payment approval to the mobile subscriber station based on the customer information included in the second roaming information, and approving a card payment request from the mobile subscriber station. If so, it may include the step of approving the card payment request. For example, the first roaming information may include customer information, country information, and country change time information of the mobile subscriber station.
In the credit card payment approval method according to an embodiment of the present invention, the mobile communication notification service subscriber information stored in the first database unit included in the domestic mobile communication service provider server is included in the second database unit included in the card company server. The method may further include updating based on the stored card company notification service subscriber information.
The credit card payment approval system according to an embodiment of the present invention receives first roaming information including mobile communication subscriber station communication information from an overseas mobile service provider, so that the customer information of the mobile communication subscriber terminal is a mobile communication notification service subscriber. If included in the information, the domestic mobile telecommunications provider server for transmitting the second roaming information to the card company server, and the card company server for accepting the card payment request based on the second roaming information.
In the credit card payment approval method according to the embodiments of the present invention, the card company server can check the country information of the customer based on the country information of the mobile communication terminal, the payment by credit card duplication that can occur illegally abroad You can block.
1 is a block diagram showing a credit card payment approval system according to an embodiment of the present invention.
2 is a flowchart illustrating a credit card payment approval method according to an embodiment of the present invention.
3 is a flowchart illustrating a step of transmitting second roaming information according to an embodiment of the present invention.
4 is a flowchart illustrating an overseas card payment request approval step according to an embodiment of the present invention.
5 is a table for explaining a credit card payment approval system and method according to an embodiment of the present invention.
6 is a flowchart illustrating an overseas card payment request approval step according to an embodiment of the present invention.
Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.
1 is a block diagram showing a credit card payment approval system according to an embodiment of the present invention.
Referring to FIG. 1, the credit card
The
Therefore, when the
In the case of a roaming service, when a domestic mobile service provider moves to a specific country by a contract relationship between a domestic mobile communication service provider and a foreign mobile communication service provider, the roaming service communicates with a preset overseas mobile communication service provider. Therefore, when the current mobile
When the overseas mobile communication
The domestic mobile
The domestic mobile telecommunication
The mobile
According to an exemplary embodiment, processing the first roaming information into the second roaming information may be performed by extracting information required by the
The
The
The card
The card
The
The card
If the country information stored in the
Credit card
2 is a flowchart illustrating a credit card payment approval method according to an embodiment of the present invention.
Referring to FIG. 2, when a mobile communication subscriber communicates with an overseas mobile
If the customer information of the mobile
The
3 is a flowchart illustrating a step of transmitting second roaming information according to an embodiment of the present invention.
Referring to FIG. 3, the domestic mobile
The mobile communication
If the customer information is not included in the mobile communication notification service subscriber information (step S223, NO), the subscriber that has changed the country does not perform a separate operation because it is not a service subscriber.
4 is a flowchart illustrating an overseas card payment request approval step according to an embodiment of the present invention.
Referring to FIG. 4, the
The
If the country where the credit card payment is requested matches the country information included in the second roaming information, it is determined that the credit card payment is requested in the country where the customer is located (step S233, YES), and the card company server control unit ( 420 approves the card payment request and notifies the overseas card operator server 500 (step S236).
If the country information included in the card payment request is different from the country information included in the second roaming information (step S233, NO), since the card payment is requested in a country different from the country where the
5 is a table for explaining a credit card payment approval system and method according to an embodiment of the present invention.
Referring to FIG. 5, based on the country information of the second roaming information, Hong OO is located in Japan, and even when it is based on the country information included in the card payment request information received from the overseas
Kim △△ is determined to be located in the country when based on the second roaming information, but rejects the card payment request approval when a card payment request is received from the Spanish
In the case of OO, the card payment request is approved because the country information of the second roaming information and the country information of the card payment request match.
Therefore, the credit card payment approval system and method according to an embodiment of the present invention by receiving the country information based on the mobile operator information communicated by the
6 is a flowchart illustrating an overseas card payment request approval step according to an embodiment of the present invention.
Referring to FIG. 6, the
The card company
If the customer information of the second roaming information and the customer information of the card company notification service match (step S232, YES), the card company
When the card payment request is received from the overseas
If the country information included in the card payment request matches the country information included in the second roaming information (step S233, YES), the card company
If the country information included in the card payment request does not match the country information included in the second roaming information (step S233, NO), a request is made to the domestic mobile
If the customer approves the card payment request through the mobile subscriber station 100 (step S234, YES), the card payment request is approved (step S236). That is, when the country where the
If the customer does not approve the card payment request (step S235, NO), the card company
Therefore, the credit card payment approval method and system according to an embodiment of the present invention secures the country information of the notification service subscriber based on the roaming system of the mobile communication operators, so that it occurs in the same country as the mobile terminal. Only card payment requests can be approved.
In addition, the credit card payment approval method and system according to an embodiment of the present invention, while using a conventionally established communication network, because it can prevent the theft of the card generated overseas by being provided with roaming information at a low cost abroad You can reduce the amount of damage caused by card theft.
It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention. Will be clear to those who have knowledge of.
100: mobile communication subscriber terminal
200: overseas mobile service provider server
300: domestic mobile service provider server
400: card company server
500: overseas card carrier server
Claims (10)
The domestic mobile service provider server generates the second roaming information by processing the first roaming information when the customer information of the mobile communication subscriber terminal is included in the mobile communication notification service subscriber information based on the first roaming information. Doing;
A card company server receiving and storing the second roaming information; And
When the card payment request is received, the card company server performs a card payment request when the country information included in the card payment request and the country information included in the second roaming information match based on the stored second roaming information. And if the country information is different, confirming whether to approve the card payment request to the mobile subscriber station.
The processing of the second roaming information may include:
Storing the first roaming information in a first database unit;
Comparing the customer information of the mobile communication subscriber station included in the first roaming information with the mobile communication notification service subscriber information stored in the first database unit; And
If the customer information is included in the mobile communication notification service subscriber information, extracting predetermined information negotiated with the card company server from the first roaming information, processing the second roaming information, and transmitting the extracted information to the card company server; Credit card payment authorization method comprising the.
Approving the card payment request,
Storing the second roaming information in a second database unit;
Comparing country information included in the card payment request with country information included in the second roaming information;
When the country information matches each other, the card payment request is approved. When the country information does not match, the mobile communication subscriber station information included in the second roaming information is extracted to query whether the card payment request is approved. step; And
Receiving a card payment request approval from the mobile subscriber station and confirming the card payment request approval.
Approving the card payment request,
And inquiring whether the card payment request is approved from the mobile subscriber station information even when the country information matches.
The mobile communication notification service subscriber information stored in the first database unit included in the domestic mobile communication service provider server may be further updated based on the card company notification service subscriber information stored in the second database unit included in the card company server. Credit card payment approval method characterized in that.
And the first roaming information includes customer information, country information, and country change time information of the mobile subscriber station.
And a card company server for determining whether to approve the card payment request by comparing the country information included in the second roaming information with the country information included in the card payment request when a card payment request is received. Card payment authorization system.
The domestic mobile operator server,
A first database unit storing the first roaming information and mobile communication notification service subscriber information;
A mobile communication server controller which compares the first roaming information and the mobile communication notification service subscriber information to control information transfer to the card company server and processes the first roaming information into the second roaming information; And
And a first transceiver for receiving the first roaming information and transmitting the second roaming information.
The card company server,
A second transceiving unit configured to receive the second roaming information and to transmit the card payment request approval;
A second database unit for storing the second roaming information and card company notification service subscriber information;
Compare the second roaming information with the card company notification service subscriber information, and when the card payment request is received, approve the card payment request based on country information of the mobile subscriber station included in the second roaming information; And a card company server control unit which inquires of the mobile communication subscriber station whether the card payment request is approved based on the mobile communication subscriber information included in the second roaming information.
The mobile communication notification service subscriber information is updated based on the credit card company notification service subscriber information.
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020100123261A KR101046504B1 (en) | 2010-12-06 | 2010-12-06 | Methods of settlement of credit card transaction and system using the methods |
PCT/KR2011/008688 WO2012077917A1 (en) | 2010-12-06 | 2011-11-15 | Method for approving a credit card payment and a system for approving a credit card payment |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
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KR1020100123261A KR101046504B1 (en) | 2010-12-06 | 2010-12-06 | Methods of settlement of credit card transaction and system using the methods |
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KR101046504B1 true KR101046504B1 (en) | 2011-07-04 |
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KR1020100123261A KR101046504B1 (en) | 2010-12-06 | 2010-12-06 | Methods of settlement of credit card transaction and system using the methods |
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WO (1) | WO2012077917A1 (en) |
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US9094791B2 (en) | 2014-01-01 | 2015-07-28 | Ouri Shifman | Method for providing on-demand digital representations to mobile devices in other geographic locations |
US9947042B2 (en) | 2014-01-01 | 2018-04-17 | Ouri Shifman | Method for providing on-demand digital representations to mobile devices and other computers in other geographic locations by auction and/or sale |
Citations (4)
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KR20040078954A (en) * | 2003-03-05 | 2004-09-14 | 포인트아이 주식회사 | Method and System for Providing Location-Based Credit Card Authentication Service |
KR20050121538A (en) * | 2004-06-22 | 2005-12-27 | 에스케이 텔레콤주식회사 | System and method for preventing embezzlement of credit card |
KR100668388B1 (en) * | 2005-07-22 | 2007-01-12 | 에스케이 텔레콤주식회사 | System for tracking illegal mobile communication terminal about international roaming user |
KR20090060385A (en) * | 2007-11-30 | 2009-06-12 | 엘지이노텍 주식회사 | Roaming system of radio frequency payment card and roaming method of radio frequency payment card |
Family Cites Families (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20100003596A (en) * | 2008-07-01 | 2010-01-11 | 이만인 | Roaming terminal for overseas settlement service and method for overseas settlement service in using the terminal |
-
2010
- 2010-12-06 KR KR1020100123261A patent/KR101046504B1/en active IP Right Grant
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2011
- 2011-11-15 WO PCT/KR2011/008688 patent/WO2012077917A1/en active Application Filing
Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
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KR20040078954A (en) * | 2003-03-05 | 2004-09-14 | 포인트아이 주식회사 | Method and System for Providing Location-Based Credit Card Authentication Service |
KR20050121538A (en) * | 2004-06-22 | 2005-12-27 | 에스케이 텔레콤주식회사 | System and method for preventing embezzlement of credit card |
KR100668388B1 (en) * | 2005-07-22 | 2007-01-12 | 에스케이 텔레콤주식회사 | System for tracking illegal mobile communication terminal about international roaming user |
KR20090060385A (en) * | 2007-11-30 | 2009-06-12 | 엘지이노텍 주식회사 | Roaming system of radio frequency payment card and roaming method of radio frequency payment card |
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US9094791B2 (en) | 2014-01-01 | 2015-07-28 | Ouri Shifman | Method for providing on-demand digital representations to mobile devices in other geographic locations |
US9947042B2 (en) | 2014-01-01 | 2018-04-17 | Ouri Shifman | Method for providing on-demand digital representations to mobile devices and other computers in other geographic locations by auction and/or sale |
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WO2012077917A1 (en) | 2012-06-14 |
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