KR101479378B1 - Authentication code based payment method using mobile terminal - Google Patents

Authentication code based payment method using mobile terminal Download PDF

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Publication number
KR101479378B1
KR101479378B1 KR20120095149A KR20120095149A KR101479378B1 KR 101479378 B1 KR101479378 B1 KR 101479378B1 KR 20120095149 A KR20120095149 A KR 20120095149A KR 20120095149 A KR20120095149 A KR 20120095149A KR 101479378 B1 KR101479378 B1 KR 101479378B1
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KR
South Korea
Prior art keywords
payment
authentication code
mobile terminal
terminal
authentication
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KR20120095149A
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Korean (ko)
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KR20120115181A (en
Inventor
임성희
김정일
Original Assignee
주식회사 한국사이버결제
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Priority to KR20120095149A priority Critical patent/KR101479378B1/en
Publication of KR20120115181A publication Critical patent/KR20120115181A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4012Verifying personal identification numbers [PIN]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/24Credit schemes, i.e. "pay after"
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management

Abstract

(A) a payment mediation server receiving a request for transmission of an authentication code from a mobile terminal of a customer;
(b) generating a verification code according to a request of the customer's mobile terminal and transmitting the authentication code to the mobile terminal;
(c) the payment mediation server receiving the authentication code and payment basic information from the merchant terminal, which receives the authentication code received at the mobile terminal; And
(d) comparing the authentication code transmitted from the payment mediation server to the mobile terminal with the authentication code received from the merchant terminal and performing user authentication, based on the authentication code.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a payment method based on an authentication code using a mobile terminal,

The present invention relates to a payment method based on an authentication code using a mobile terminal. More specifically, the present invention eliminates the need for a customer to have a payment means such as a credit card, , The user can easily perform authentication by using the mobile terminal normally possessed by the customer and settle the payment. The payment agent can conclude the direct contract with the merchant, and the authentication code using the mobile terminal providing the new profit model Quot;

[0002] Recently, a payment means replacing spot money has been widely used. This has enabled the creation of an e-commerce-enabled environment such as the Internet, the spread of cash dispensers with various functions, the spread of mobile communication terminals and the activation of financial transactions using them.

An example is electronic money, which is widely used on the Internet to replace spot money. However, when real money is traded such as in-kind money and electronic money, card settlement, micropayment using mobile phone charge, and account transfer are used. Especially, in the case of the transfer of the account, it is possible to use it easily by using devices such as ATM, mobile phone and internet without visiting the bank like in the past. Such card settlement, micropayment, and account transfer are becoming more and more popular as online shops and online services on the Internet become more active.

The payment process using these various methods first requires authentication of a legitimate user. Especially, a user who does not have a cash or a credit card separately for the authentication method using a mobile phone usually carries his / her mobile phone usually. Therefore, And does not generate a situation in which authentication can not be performed.

However, in order to perform authentication using such a mobile phone, a complicated series of operations are required, and it is troublesome to input necessary information according to the instructions displayed on the mobile phone LCD. Especially, There are many difficulties in using.

The present invention has been made in order to solve the problems of the related art, and an object of the present invention is to provide a method and apparatus for offline authentication, And a settlement intermediation company can conclude a direct contract with an affiliated shop, thereby providing a payment method based on an authentication code using a mobile terminal that provides a new profit model.

The technical problem of the present invention as described above is achieved by the following means.

(1) receiving a request for transmission of an authentication code from a mobile terminal of a customer;

(b) generating a verification code according to a request of the customer's mobile terminal and transmitting the authentication code to the mobile terminal;

(c) the payment mediation server receiving the authentication code and payment basic information from the merchant terminal, which receives the authentication code received at the mobile terminal; And

(d) comparing the authentication code transmitted from the payment mediation server to the mobile terminal with the authentication code received from the merchant terminal and performing user authentication.

(2) (a) the payment mediation server receiving the authentication code generated by the mobile terminal from the mobile terminal of the customer;

(b) receiving an authentication code and settlement basic information from an agent terminal, which receives the authentication code generated by the payment intermediary server at the mobile terminal; And

(c) comparing the authentication code received from the merchant terminal with the authentication code received from the mobile terminal by the payment mediation server to perform user authentication.

(3) The method according to claim 1,

Wherein the settlement mediating server receives one of the payment means information stored in the mobile terminal together with the request for transmission of the authentication code from the mobile terminal of the customer in the step (a) Payment Method.

(4) The method according to claim 1,

Wherein the settlement mediating server generates an authentication code in step (b), and maps the payment means and the authentication code received from the mobile terminal and stores the mapped payment code.

(5) The method according to claim 2,

Wherein the payment mediating server receives one of the payment means information stored in the mobile terminal in the step (a).

(6) The method according to claim 2,

Wherein the payment mediation server maps the payment means received from the mobile terminal to the authentication code in step (b), and stores the mapped payment code.

(7) The method according to any one of claims 1 to 8,

Wherein the payment means information is stored in a payment mediation server, and one of the payment means information is selected.

(8) The method according to any one of claims 1 to 8,

Wherein the merchant terminal is a POS terminal or a card terminal.

(9) The method according to any one of claims 1 to 10,

And the merchant terminal is a web server.

(10) The method according to claim 9,

In the step (a), the payment mediation server receives a request for transmission of the authentication code from the mobile terminal of the customer,

(a1) selecting a payment means through a first terminal of a customer;

(a2) the merchant terminal displaying the authentication code input field as the first terminal of the customer; And

(a3) the settlement intermediation server is performed through a step of receiving a request for transmission of an authentication code from the mobile terminal of the customer.

According to the present invention, the customer is no longer required to possess a payment means such as a credit card, and can utilize the off-card payment means even offline, and can simply use a mobile terminal And as a settlement intermediary company, a contract can be concluded directly with an affiliated shop, so that a new profit model can be provided.

1 is a block diagram of an overall system for performing authentication based payment using a mobile terminal according to a first embodiment of the present invention.
2 illustrates a payment process based on an authentication code using a mobile terminal according to the first embodiment of the present invention.
3 is a block diagram of an overall system for performing authentication based payment using a mobile terminal according to a second embodiment of the present invention.
4 illustrates a payment process based on an authentication code using a mobile terminal according to a second embodiment of the present invention.
5 is a block diagram of an overall system for performing authentication based payment using a mobile terminal according to a third embodiment of the present invention.
FIG. 6 shows a billing process based on an authentication code using a mobile terminal according to a third embodiment of the present invention.
FIG. 7 is a block diagram of an overall system for performing authentication based payment using a mobile terminal according to a fourth embodiment of the present invention.
FIG. 8 shows a billing process based on an authentication code using a mobile terminal according to a fourth embodiment of the present invention.

The payment method using the authentication code according to the first aspect of the present invention

(a) a payment mediation server receiving a request for transmission of an authentication code from a mobile terminal of a customer;

(b) generating a verification code according to a request of the customer's mobile terminal and transmitting the authentication code to the mobile terminal;

(c) the payment mediation server receiving the authentication code and the payment information from the merchant terminal that receives the authentication code received at the mobile terminal; And

(d) comparing the authentication code transmitted from the payment mediation server to the mobile terminal with the authentication code received from the merchant terminal, and performing the user authentication, the authentication code based payment method using the mobile terminal.

The payment method using the authentication code according to the second aspect of the present invention

(a) a payment mediation server receiving an authentication code generated by the mobile terminal from a mobile terminal of a customer;

(b) receiving an authentication code and payment information from a merchant terminal that receives the authentication code generated by the payment mediation server in the mobile terminal; And

(c) comparing the authentication code received from the merchant terminal with the authentication code received from the mobile terminal by the payment mediating server to perform user authentication, and a payment method based on the authentication code using the mobile terminal.

In the payment method according to the present invention, the authentication code means an OTP (One Time Password) or a barcode (e.g., a two-dimensional QR code). In the above description, the bar code includes any bar code selected from a one-dimensional bar code, a two-dimensional bar code, and a three-dimensional bar code displayed on a product or an advertising medium. A 1-dimensional barcode (1-Dimension) is a horizontal linear code that represents numbers or simple characters by combining and arranging bars (black bars) and spaces (white bars). Such a one-dimensional bar code is disadvantageous in that information is arranged only in the bar in the horizontal direction (X direction) and not in the vertical direction, so that the storage capacity of the information is limited. 2D barcode (2-Dimension) refers to a point-child or mosaic-type code in which information is arranged in two directions (X direction Y direction) and is flattened. Limitations can be compensated. The 2D code can encode high-density information of about 100 times or more of a one-dimensional barcode into a two-dimensional symbol in a small square, and can store various types of information such as text, There are advantages. At present, about 20 kinds of 2D codes have been developed and are in use, and there are preferably four types of PDF417, DataMatrix, MaxiCode and QR Code designated as international standard. The 3D barcode is a color combination tag. For example, the code developed by Microsoft (MS) is not read as a conventional 2D code reader. Instead, the tag reader You can read through. There are many file formats that support formats than QR codes, and there are more models that support readers.

Hereinafter, an authentication code-based payment method using a mobile terminal according to the present invention will be described in detail.

1 is a block diagram of an overall system for performing authentication based payment using a mobile terminal according to a first embodiment of the present invention.

The billing system based on the authentication code using the mobile terminal according to the present invention comprises the mobile terminal 100, the payment relay server 200, the merchant terminal 300 and the payment server 400 of the customer.

In the first embodiment of the present invention, the mobile terminal 100 refers to a mobile terminal occupied by a customer, preferably a separate program (APP) for accessing the payment mediation server 200 and requesting an authentication code A built-in smart phone, or a tablet PC.

The payment mediation server 200 is typically a server operated by a payment gateway (PG) that performs electronic payment on the Internet. The payment mediation server 200 is connected to the merchant terminal 300 and the payment server 400 through a network, . In addition, the payment relay server 200 receives the request for generation and transmission of the authentication code from the mobile terminal 100 of the customer, generates the authentication code, and transmits the authentication code to the mobile terminal 100 to display the authentication code.

The franchise terminal 300 in the first embodiment generally refers to a franchise shop, for example, a fours terminal installed in a shopping mall for selling various marts, agencies, or other specific goods or services, or a card terminal.

The payment server 400 is a server operated by a payment company such as a credit card company, a mobile communication company, or a financial institution that performs authorization and payment approval tasks related to settlement of a specific commodity or service. The server performs authentication and approval tasks with respect to settlement with the settlement relay server 200.

FIG. 2 illustrates a billing process based on an authentication code using a mobile terminal according to the first embodiment of the present invention.

Before the payment, the customer must first be registered as a member in the payment mediation server 200, and the mobile terminal 100 requests the payment mediation server 200 to generate the authentication code, Program (APP) must be installed.

In the present invention, the payment means information, for example, information required for payment using a credit card, a check card, a mobile phone, and a money transfer (for example, a credit card, a card number, a settlement date, It is requested that the mobile terminal 100 is registered in the mobile mediation server 200 or that it is registered in the payment mediation server 200. [ It is preferable that the payment means information is stored in the mobile terminal 100 of each customer for the sake of the transaction and the payment means can be selected by the customer at the time of settlement.

The customer first requests the payment mediation server 200 to generate an authentication code by driving an app (APP) installed in the mobile terminal 100 owned by the customer to purchase a desired product or service from the merchant, (S201).

In this process, it is preferable to input the password set by the customer at the time of running the application, so that even if the customer loses the mobile terminal, it is preferable that an unauthorized third party can not easily request the authentication code.

Also, it is preferable that the customer selects any one of payment means registered in his / her mobile terminal 100 and transmits information about the selected payment means to the payment mediation server 200 together with a request for generating the authentication code.

The payment mediation server 200 generates an OTP authentication number or a barcode (e.g., a two-dimensional QR code) according to a known method for requesting the generation of the authentication code from the mobile terminal 100, (S202). At this time, the authentication code transmitted to the mobile terminal 100 preferably includes information of the payment means received from the mobile terminal 100 of the customer.

The customer confirms the received authentication code to the mobile terminal 100 and inputs the authentication code to the affiliate terminal 300 (S203). At this time, the merchant terminal 300 is required to input an amount input field, an OTP authentication number input field, or a barcode reader.

At this time, the method of inputting the authentication code to the merchant terminal 300 may be different according to the kind of the authentication code. When the authentication code is OTP, the customer inputs the OTP directly into the input field of the merchant terminal 300, It is possible to use any one of the methods of confirming and inputting by the clerk of the merchant. When the authentication code is in the form of a bar code, a bar code is presented to the clerk and the bar code is scanned by the bar code reader.

When the payment amount and the authentication code are input to the merchant terminal 300, the merchant terminal 300 transmits the payment amount and the authentication code to the payment mediation server 300 (S204).

The payment mediation server 300 compares the authentication code received from the merchant terminal 300 with the authentication code transmitted to the mobile terminal 100 of the customer through step 202 and confirms whether the same is the same (S205).

If the two authentication codes are compared in step 205, the payment mediation server 200 transmits the payment information received in step 201 and the payment information received as payment basic information in step 204, And performs a normal payment process with the payment server 400 (S206).

The payment mediating server can easily confirm the occupation of the mobile terminal 100 owned by the customer by using the authentication code through the series of processes, To be performed.

3 is a block diagram of an overall system for performing authentication based payment using a mobile terminal according to a second embodiment of the present invention.

The billing system according to the second embodiment differs from the billing system according to the first embodiment in that an authentication code is generated by driving an application for generating its own authentication code in the mobile terminal 100. [ Therefore, the system according to the second embodiment does not require the payment mediation server 200 to have a separate program for generating the authentication code.

4 illustrates a payment process based on an authentication code using a mobile terminal according to a second embodiment of the present invention.

In comparison with the payment process according to the first embodiment shown in FIG. 2, the mobile terminal 100 generates an authentication code using its own app (S301), and transmits the authentication code to the payment mediation server 200 Except for the step S302 of FIG.

5 is a block diagram of an overall system for performing authentication based payment using a mobile terminal according to a third embodiment of the present invention.

The billing system based on the authentication code using the mobile terminal according to the present invention comprises a first terminal 100a of a customer, a mobile terminal 100b, a payment relay server 200, an agent terminal 300 and a payment server 400 .

The first terminal 100a according to the present invention is a terminal used by a user to purchase goods or the like at an Internet shopping mall or the like, and includes any type of terminal capable of wired or wireless Internet, regardless of the user's ownership.

In the present invention, the mobile terminal 100b refers to a mobile terminal occupied by a customer. Preferably, the mobile terminal 100b is a smart phone having a separate program (APP) for accessing the payment mediation server 200 and requesting an authentication code , Or a tablet PC.

The payment mediation server 200 is typically a server operated by a payment gateway (PG) that performs electronic payment on the Internet. The payment mediation server 200 is connected to the merchant terminal 300 and the payment server 400 through a network, . In addition, the payment relay server 200 receives a request for generation and transmission of an authentication code from the mobile terminal 100b of the customer, generates an authentication code, and transmits the authentication code to the mobile terminal 100b for display.

The franchise terminal 300 in the second embodiment generally refers to a web server operated by a shopping mall that provides specific goods or services on the Internet.

The payment server 400 is a server operated by a payment company such as a credit card company, a mobile communication company, or a financial institution that performs authorization and payment approval tasks related to settlement of a specific commodity or service. The server performs authentication and approval tasks with respect to settlement with the settlement relay server 200.

FIG. 6 illustrates a billing process based on an authentication code using a mobile terminal according to the third embodiment of the present invention.

As in the first embodiment, the customer must first be registered as a member in the payment mediation server 200 prior to performing the payment. In the mobile terminal 100b, the payment mediation server 200 generates the authentication code And a predetermined program (APP) must be installed to receive the request.

In this embodiment, the information required for payment using credit card, check card, mobile phone, and account transfer (for example, credit card payment, card number, payment date, Number, mobile carrier information, etc., and a billing account number in the case of a wire transfer) are input through the first terminal 100a.

The customer purchases a commodity or a service provided by the merchant terminal 200 (herein, a web server) through the first terminal 100a through the web and selects a payment means for payment thereof (S601).

The merchant terminal 200 transmits the web page including the payment amount and the authentication code input field to the first terminal 100a of the customer (S602).

The customer requests the payment mediation server 200 to generate an authentication code by driving an app (APP) installed in the mobile terminal 100b owned by the customer (S603).

In this process, it is preferable to input the password set by the customer at the time of running the application, so that even if the customer loses the mobile terminal, it is preferable that an unauthorized third party can not easily request the authentication code.

The settlement mediation server 200 generates an OTP or a barcode according to a known method for requesting the generation of the authentication code from the mobile terminal 100b, and transmits the OTP or barcode to the mobile terminal 100b for display (S604).

The customer confirms the received authentication code to the mobile terminal 100b and inputs it to the web page provided by the merchant terminal 200 through the first terminal 100a (S605).

The merchant terminal 300 that has received the authentication code transmits the payment basic information including the payment amount and the payment means information and the authentication code to the payment mediation server 300 (S606).

The payment mediation server 300 compares the authentication code received from the merchant terminal 300 with the authentication code transmitted to the mobile terminal 100b of the customer through step 604 and confirms whether the same is the same to perform user authentication (S607 ).

If the two authentication codes match in step 607, the payment mediation server 200 performs a normal payment process with the payment server 400 according to the selected payment method using the payment basic information received in step 606 (S608).

FIG. 7 is a block diagram of an overall system for performing authentication based payment using a mobile terminal according to a fourth embodiment of the present invention.

The billing system according to the fourth embodiment differs from the billing system according to the third embodiment in that an authentication code is generated by driving an application for generating its own authentication code in the mobile terminal 100b. Therefore, in the system according to the fourth embodiment, the settlement mediating server 200 need not have a separate program for generating the authentication code.

FIG. 8 shows a billing process based on an authentication code using a mobile terminal according to the fourth embodiment of the present invention.

6, the mobile terminal 100b generates an authentication code using its own application (S803), and transmits the authentication code to the payment mediation server 200 (S803) Is the same as the settlement process in the third embodiment except for the process (S804) of FIG.

Through the above-described series of processes, the customer can easily perform the user authentication through the authentication code by using the mobile terminal 100 owned by the customer in the electronic payment process using the Internet, so that the electronic payment process can be performed safely and conveniently Let's do it.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined in the appended claims. It can be understood that

100a: the first terminal
100, 100b: mobile terminal
200: Payment mediation server
300: Merchant terminal
400: Payment Server

Claims (6)

  1. (a) receiving one of the authentication code generated by the mobile terminal and the payment means information stored in the mobile terminal from a mobile terminal of a customer registered as a member by the settlement intermediation server;
    (b) receiving an authentication code and a payment amount from a merchant terminal, which receives the authentication code generated by the payment intermediary server at the mobile terminal; And
    (c) comparing the authentication code received from the merchant terminal with the authentication code received from the mobile terminal by the payment mediation server to perform user authentication.
  2. delete
  3. The method according to claim 1,
    Wherein the payment mediation server maps the payment means received from the mobile terminal to the authentication code in step (b), and stores the mapped payment code.
  4. delete
  5. The method according to claim 1,
    Wherein the merchant terminal is a POS terminal or a card terminal.
  6. The method according to claim 1,
    And the merchant terminal is a web server.

KR20120095149A 2012-08-29 2012-08-29 Authentication code based payment method using mobile terminal KR101479378B1 (en)

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KR101693779B1 (en) * 2014-03-27 2017-01-06 양진호 The method and apparatus of settling an account
KR101629174B1 (en) 2014-10-13 2016-06-13 주식회사 나이스홀딩스 System and method for providing payment service with authenticating affiliated store

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Publication number Priority date Publication date Assignee Title
KR20070021826A (en) * 2005-08-19 2007-02-23 주식회사 비즈모델라인 System and Method for Payment, Devices for Payment, Terminals for Payment, Mobile Devices and Recording Medium
KR20100001792A (en) * 2008-06-27 2010-01-06 한국정보통신주식회사 System and method for registering real-time purchaser's card information and recording medium
KR20100013376A (en) * 2008-07-31 2010-02-10 한국정보통신주식회사 Wireless terminal of seller and method for card payment by using it and recording medium
KR20110005611A (en) * 2009-07-10 2011-01-18 주식회사 비즈모델라인 System and method for managing otp using user's media, otp device and recording medium

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20070021826A (en) * 2005-08-19 2007-02-23 주식회사 비즈모델라인 System and Method for Payment, Devices for Payment, Terminals for Payment, Mobile Devices and Recording Medium
KR20100001792A (en) * 2008-06-27 2010-01-06 한국정보통신주식회사 System and method for registering real-time purchaser's card information and recording medium
KR20100013376A (en) * 2008-07-31 2010-02-10 한국정보통신주식회사 Wireless terminal of seller and method for card payment by using it and recording medium
KR20110005611A (en) * 2009-07-10 2011-01-18 주식회사 비즈모델라인 System and method for managing otp using user's media, otp device and recording medium

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