KR101192522B1 - System for soft credit card, card cooperation and providing method thereof - Google Patents
System for soft credit card, card cooperation and providing method thereof Download PDFInfo
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- KR101192522B1 KR101192522B1 KR20100081290A KR20100081290A KR101192522B1 KR 101192522 B1 KR101192522 B1 KR 101192522B1 KR 20100081290 A KR20100081290 A KR 20100081290A KR 20100081290 A KR20100081290 A KR 20100081290A KR 101192522 B1 KR101192522 B1 KR 101192522B1
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- card
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- user terminal
- payment
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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
- G06Q20/34—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
- G06Q20/351—Virtual cards
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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"
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
A soft card system, a card company system, and a method of providing the same are disclosed. The method for providing a soft card system comprises the steps of: receiving a payment request by a soft card system installed in a user terminal, extracting card information from a pre-stored soft card in response to the received payment request; Connecting the system with a predetermined card company system, and transmitting a payment approval request including the card information extracted to the connected card company system.
Description
The present invention relates to a soft card system, a card company system, and a method of providing the same, and more particularly, by providing a credit card in the form of software. The present invention relates to a system and a method for performing a payment.
With the development of modern society, various financial instruments have emerged. The most commonly used is credit card.
A payment method of a conventional credit card will be described with reference to FIG. 1.
1 is a view for explaining a conventional credit card payment method.
First, Figure 1a is a diagram illustrating a credit card payment method offline. A user requests a payment authorization by having a credit card recognized by a merchant system (eg, a payment terminal) in a contact or contactless manner. The payment approval request is transmitted to a card company (for example, card company 1, card company 2, and card company 3) that issued the credit card through a credit card VAN system, and the card company that received the payment approval request has a credit corresponding to the credit card ( After confirming the credit, it is decided whether to approve or not. If approved, the credit card company passes the approval information to the merchant system through the VAN system to complete the payment.
The online credit card payment method is shown in FIG. 1B. The user makes a payment at a predetermined web site through a terminal such as a computer. In order to perform a payment online, a user may manually input credit card information or select prestored credit card information using a user's terminal. To this end, a predetermined application distributed by a VAN operator (or payment gateway (PG) operator) is installed in the user terminal, or a predetermined UI for delivering the credit card information to the VAN system is provided on the web site. Then, the VAN system transfers the payment approval request from the card company that issued the credit card, and passes the approval information to the corresponding web site or the application.
As such, the conventional credit card payment method is slightly different from the payment method due to the offline and online payment, but in practice, the card recognition is made by contact or contactless, or the user enters their credit card information online. It's just the difference between card recognition. In addition, since the payment is necessarily made through the VAN operator, the payment fee that the user or merchant owner must provide to the card company due to the VAN operator's fee is inevitably increased.
In addition, in the conventional case, a separate payment system such as a payment terminal or a VAN application of a merchant is necessary to use a credit card.
In addition, in the conventional case, in order to purchase a product or service with a credit card, a user must visit a merchant or visit a web space provided by the merchant to check the product or service, and provide a payment terminal or online payment system installed in the merchant. Had to use.
Therefore, by providing a credit card implemented in software, users and card companies can directly go through a series of processes related to payment approval without the need for a service provider that provides a payment agent such as a VAN system. Accordingly, a card payment terminal is not provided separately. There is a need for a system that can efficiently perform credit card payments.
Therefore, the technical problem to be achieved by the present invention is to provide a system and method that can solve the problem that may be caused by the loss of credit card or handing over the card to the merchant owner by providing a software-based soft card. .
In addition, such a soft card is to provide a system and method by which the card company can be directly distributed to the user by the card company system and the soft card system installed in the user terminal to perform the payment through direct communication.
In addition, the present invention provides a system and method capable of providing a predetermined security protocol in order to prevent unauthorized copying due to the characteristics of a soft card.
In addition, even if the user does not necessarily visit the merchant or visit the web space provided by the merchant, the user can check the goods or services through the user terminal, and the system that allows the user to immediately pay using the confirmed goods or services and To provide a way.
In order to achieve the technical problem, the method for providing a soft card system includes: receiving a payment request by a soft card system installed in a user terminal, and extracting card information from a pre-stored soft card in response to the received payment request; And connecting the soft card system with a predetermined card company system, and transmitting a payment approval request including the card information extracted to the connected card company system.
The method for providing a soft card system may further include receiving, by the soft card system, authorization information from the card company system, and transmitting the received authorization information to a merchant system corresponding to the payment request.
The method of providing a soft card system further includes the step of receiving, by the soft card system, payment processing information from an affiliated store system corresponding to the payment request, wherein the payment processing information is in response to the transmitted payment approval request. In response to the approval information transmitted to the affiliated store system may be received from the affiliated store system.
The method for providing a soft card system may further include installing the soft card from the card company system and installing the soft card in the user terminal.
The soft card system may be generated by the card company system to correspond to a credit card issued to a user of the user terminal.
In the receiving of the payment request by the soft card system installed in the user terminal, when product information including affiliate store information is received from the external system to the user terminal, the soft terminal system is based on the received product information. It may include receiving the payment request from the.
The external system may include at least one of a point of sales (POS) system corresponding to the affiliated store information or a predetermined server connected to the POS system.
The product information may include at least one of empty seat information or orderable menu information generated based on POS information used in the POS system.
The user terminal may be a mobile terminal.
The method for providing a soft card system further includes the step of approving the payment approval request by the card company system. When the card company system approves the payment approval request, the soft card system is received from the soft card system or a predetermined external system. The identification information of the user terminal may be received, and the card information and the received identification information may correspond to information previously stored in the card company system.
The method of providing a card company system for solving the technical problem includes the steps of: transmitting, by a card company system, a soft card system to a user terminal, storing identification information of the user terminal corresponding to card information included in the soft card system; Receiving a payment approval request from a soft card system, identifying identification information of the user terminal and card information included in the payment approval request, and when the confirmed card information and identification information correspond to stored information, Approving the payment approval request.
Confirming the identification information of the user terminal and the card information included in the payment approval request, the card company system checks the identification information of the user terminal received from the soft card system, or the communication company system corresponding to the user terminal Checking the identification information of the user terminal received from the.
The identification information of the user terminal may include at least one of a terminal identification number of the user terminal, media access control (MAC) information, subscriber identity module (SIM) card information, or a mobile telephone number.
The card company system providing method may further include generating approval information and transmitting the generated approval information to the soft card system.
The payment approval request includes affiliated store information, and the card company system providing method may further include generating approval information and transmitting the generated approval information to the affiliated store system corresponding to the affiliated store information.
The soft card system providing method and the card company system providing method may be stored in a computer readable recording medium recording a program.
In the soft card system installed in the user terminal for solving the technical problem, which can perform a credit payment, the soft card system is a soft card in which the card information is stored, in response to the payment request received from the outside to the soft card And a control module for extracting the stored card information and transmitting a payment approval request including the card information extracted to a card company system providing the soft card system.
The control module may further transmit identification information of the user terminal to the card company system, and if the transmitted identification information and the card information correspond to information previously stored in the card company system, the control module may receive authorization information from the card company system. Can be.
The card company system for solving the technical problem is a soft card generation module for generating a soft card, a transmission module for transmitting the generated soft card to a user terminal, and payment received from a soft card system including the soft card. A control module for receiving an approval request and determining whether to approve the received payment approval request, wherein the control module stores the card information corresponding to the identification information of the user terminal and approves payment from the soft card system. When the request is received, the identification information of the user terminal and the card information included in the payment approval request are checked to approve the payment approval request if it corresponds to the stored information.
The control module may check identification information of the user terminal received from the soft card system, or identify identification information of the user terminal received from a communication company system corresponding to the user terminal.
According to a soft card system, a card company system, and a method for providing the same according to the technical spirit of the present invention, by providing a software-based soft card, the loss of a credit card or an accident that may occur by handing a card to a merchant owner for payment of a card There is an effect that can be solved.
In addition, since the card company system and the soft card system installed in the user terminal can perform payment through direct communication, there is no need for an agent such as a VAN operator, thereby reducing the payment fee that the merchant or user must provide.
Due to the characteristics of the soft card, unauthorized copying is easy, but according to the present invention, the unauthorized use of the credit card can be prevented even if the unauthorized copying is performed.
Also, even if the user does not visit the merchant or the web space provided by the merchant, the product information including the merchant information is pushed to the user terminal, and the product is confirmed after the user confirms the product or service through the user terminal. Alternatively, since a service can be directly paid using the user terminal, the affiliated store owner does not necessarily need to establish a virtual store on a web site or an open market.
BRIEF DESCRIPTION OF THE DRAWINGS In order to better understand the drawings cited in the detailed description of the invention, a brief description of each drawing is provided.
1 is a view for explaining a conventional credit card payment method.
2 is a view for explaining the concept of a soft card system providing method according to an embodiment of the present invention.
3 is a view showing a schematic configuration of a soft card system according to an embodiment of the present invention.
4 is a diagram illustrating a case in which product information including affiliate store information is transmitted to a user terminal according to an exemplary embodiment of the present invention.
5 is a view showing a schematic configuration of a card company system according to an embodiment of the present invention.
6 is a view for explaining a security protocol according to an embodiment of the present invention.
7 is a diagram illustrating a method of performing a security protocol according to an embodiment of the present invention.
In order to fully understand the present invention, operational advantages of the present invention, and objects achieved by the practice of the present invention, reference should be made to the accompanying drawings and the accompanying drawings which illustrate preferred embodiments of the present invention.
Also, in this specification, when any one element 'transmits' data to another element, the element may transmit the data directly to the other element, or may be transmitted through at least one other element And may transmit the data to the other component.
Conversely, when one element 'directly transmits' data to another element, it means that the data is transmitted to the other element without passing through another element in the element.
BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the preferred embodiments of the present invention with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.
2 is a view for explaining the concept of a soft card system providing method according to an embodiment of the present invention. In addition, Figure 3 shows a schematic configuration of a soft card system according to an embodiment of the present invention.
2 and 3, a method for providing a soft card system according to an embodiment of the present invention may be implemented by a
The
Herein, a module may mean a functional and structural combination of hardware for carrying out the technical idea of the present invention and software for driving the hardware. For example, the module may refer to a logical unit of a predetermined code and a hardware resource for executing the predetermined code, and does not necessarily mean a physically connected code or a kind of hardware. Can be easily deduced to the average expert in the field of the present invention.
Unlike the conventional physical credit card, the
In addition, the
In order for the
The
In addition, the
In order to implement the soft card system providing method according to an embodiment of the present invention, the
Then, the
Then, the
When the
On the other hand, according to another embodiment of the present invention, the
On the other hand, the
As such, the
Meanwhile, the
The POS system mainly manages order information and price information for each seat within a particular place of business, helping a lot in automation within the place of business. However, such a POS system is mainly used only for automation in a business place. Therefore, if it is possible to generate useful information using the POS information and provide it to users who need it in real time, it may be useful for many users. As such, the POS system may directly transmit predetermined product information to the
The POS information may vary according to the characteristics of a business place in which each of the POS systems is installed. For example, when the business place is a restaurant, POS information may vary from seat information, seat order information, payment amount information, menu information, and the like. When the place of business is a cartoon room, a PC room, etc., there may be various information such as seat information, entrance time information, exit time information, beverage order information, and the like. Preferably, the POS information includes at least total seat information and / or information on occupied seats. The information on the occupied seat may be, for example, seat information in which order information exists in a restaurant. Therefore, the information about the occupied seat may mean predetermined information or a combination of a plurality of information which can know whether a specific seat is occupied.
In general, the POS information may include the total seat information and occupied seat information of the place of business, and the information about the empty seat may not be maintained separately. However, the information required by the users may be information about empty seats rather than information about seats currently occupied. Thus, the server may generate information on at least the empty seats based on the POS information. In general, the POS information may include information about the entire seat (table), identification information for each seat (table), and order information for each seat (table). According to an embodiment, when order information for each seat exists, the server may determine that the seat is an occupied seat. According to an embodiment, there may be a case in which the seat is occupied but the order information for each seat does not exist. In this case, the POS information may include predetermined information that can express that the seat is occupied separately. . Then, the server may generate information on the empty seat based on the information on the seat and the occupied seat.
Information about the empty seat may be generated by the server. To this end, the POS system may transmit information necessary for generating information on the empty seats to the server. Even if the POS system does not include the information about the empty seats, the server may generate the information about the empty seats based on the POS information as described above, so that a separate business place may be obtained to obtain the information about the empty seats. There is no need to install a new POS system. On the other hand, the server may install a predetermined code and / or application in order to obtain the predetermined information required for the POS system.
On the other hand, the POS system when the POS information (for example, information about occupied seats, information about non-orderable menu) that can be changed product information such as information about the empty seat and / or orderable information is changed The POS information may be transmitted to the server every time. Therefore, the
Meanwhile, the product information transmitted to the
Therefore, when the
5 is a view showing a schematic configuration of a card company system according to an embodiment of the present invention.
Referring to FIG. 5, the
The soft
The
The
In addition, the
For example, the soft
Then, when a payment approval request is received by the
7 is a diagram illustrating a method of performing a security protocol according to an embodiment of the present invention.
Referring to FIG. 7, the
Then, the
On the other hand, according to another embodiment of the present invention, the
As described above, in the method for providing a soft card system according to an embodiment of the present invention, a soft credit card is installed and used in a user terminal, and at the same time, a soft credit card is illegally copied to another terminal to prevent unauthorized use by others. If you want to have an effect that can be prevented.
The method of providing a soft card system and the method of providing a card company system according to an exemplary embodiment of the present invention may be embodied as computer readable codes on a computer readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, hard disk, floppy disk, optical data storage, and the like, and also in the form of carrier waves (e.g., transmission over the Internet). It also includes implementations. In addition, the computer-readable recording medium may be distributed over network-connected computer systems so that computer readable codes can be stored and executed in a distributed manner. And functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers skilled in the art to which the present invention pertains.
While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.
Claims (20)
Extracting card information from a soft card previously stored in the soft card system in response to the received payment request;
Connecting the soft card system to a predetermined card company system; And
And transmitting a payment approval request including the card information extracted to a connected card company system.
Receiving a payment request by the soft card system installed in the user terminal,
When product information including affiliate store information to be used for payment is received from an external system and the product information received by the user terminal is selected, the soft card system is further configured based on the selected product information. Soft card system providing method comprising the step of receiving a payment request corresponding to the product information without moving to the site.
Receiving, by the soft card system, authorization information from the card company system; And
And transmitting the received approval information to the affiliated store system corresponding to the payment request.
The soft card system further comprises the step of receiving payment processing information from the merchant system corresponding to the payment request,
The payment processing information,
Soft card system providing method characterized in that it is received from the merchant system in response to the approval information transmitted by the card company system to the merchant system in response to the payment approval request sent.
And the soft card is transmitted from the card company system and installed in the user terminal.
Soft card system providing method, characterized in that generated by the card company system to correspond to the credit card issued to the user of the user terminal.
And at least one of a Point of Sales (POS) system corresponding to the affiliated store information or a predetermined server connected to the POS system.
A soft card system providing method comprising at least one of empty seat information or orderable menu information generated based on POS information used in the POS system.
Method for providing a soft card system, characterized in that the mobile terminal.
Further comprising the step of approving the payment approval request by the card company system,
If the card company system approves the payment approval request,
And receiving identification information of the user terminal received from the soft card system or a predetermined external system, wherein the card information and the received identification information correspond to information previously stored in the card company system.
The soft card system,
A soft card storing card information;
And a control module for extracting the card information stored in the soft card in response to a payment request received from the outside, and transmitting a payment approval request including the card information extracted to a card company system providing the soft card system. ,
Payment request received from the outside,
When the product information including the merchant information to be used for payment is received from the external system and the product information received by the user terminal is selected, based on the selected product information without moving to a separate web site And a payment request corresponding to the product information received from the user terminal.
Further transmitting the identification information of the user terminal to the card company system,
And if the identification information and the card information transmitted correspond to information previously stored in the card company system, receiving the authorization information from the card company system.
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR20100081290A KR101192522B1 (en) | 2010-08-23 | 2010-08-23 | System for soft credit card, card cooperation and providing method thereof |
PCT/KR2011/006216 WO2012026737A2 (en) | 2010-08-23 | 2011-08-23 | Soft card system, card company system and method for providing same |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR20100081290A KR101192522B1 (en) | 2010-08-23 | 2010-08-23 | System for soft credit card, card cooperation and providing method thereof |
Publications (2)
Publication Number | Publication Date |
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KR20120018461A KR20120018461A (en) | 2012-03-05 |
KR101192522B1 true KR101192522B1 (en) | 2012-10-25 |
Family
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Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
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KR20100081290A KR101192522B1 (en) | 2010-08-23 | 2010-08-23 | System for soft credit card, card cooperation and providing method thereof |
Country Status (2)
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KR (1) | KR101192522B1 (en) |
WO (1) | WO2012026737A2 (en) |
Family Cites Families (4)
Publication number | Priority date | Publication date | Assignee | Title |
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KR20040052133A (en) * | 2002-12-13 | 2004-06-19 | (주)모멘트그룹 | System and Method for Providing Payment on Credit Card Using Mobile Terminal |
KR20100024030A (en) * | 2008-08-25 | 2010-03-05 | 이만인 | Apparatus for improving certification means and method for controlling the same |
KR20100069226A (en) * | 2008-12-16 | 2010-06-24 | 주식회사 엘지텔레콤 | System and method for providing chip based card service |
US9842356B2 (en) * | 2008-12-17 | 2017-12-12 | Iii Holdings 1, Llc | System, method, apparatus and computer program product for interfacing a multi-card radio frequency (RF) device with a mobile communications device |
-
2010
- 2010-08-23 KR KR20100081290A patent/KR101192522B1/en not_active IP Right Cessation
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2011
- 2011-08-23 WO PCT/KR2011/006216 patent/WO2012026737A2/en active Application Filing
Also Published As
Publication number | Publication date |
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WO2012026737A3 (en) | 2012-06-28 |
WO2012026737A2 (en) | 2012-03-01 |
KR20120018461A (en) | 2012-03-05 |
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