KR101857073B1 - Method, credit card company serveruser terminal and application for performing and supporting mobile payment by scheduling method - Google Patents

Method, credit card company serveruser terminal and application for performing and supporting mobile payment by scheduling method Download PDF

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KR101857073B1
KR101857073B1 KR1020160134836A KR20160134836A KR101857073B1 KR 101857073 B1 KR101857073 B1 KR 101857073B1 KR 1020160134836 A KR1020160134836 A KR 1020160134836A KR 20160134836 A KR20160134836 A KR 20160134836A KR 101857073 B1 KR101857073 B1 KR 101857073B1
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payment
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time
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user terminal
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KR20170142827A (en
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오재민
유웅선
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비씨카드(주)
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    • G—PHYSICS
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    • 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
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    • 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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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Abstract

According to an embodiment of the present invention, there is provided a method for a mobile terminal performing mobile settlement, the method comprising the steps of: (i) receiving information necessary for mobile settlement from a card issuer server a predetermined time before a predetermined user's scheduled payment time or a predetermined time And (ii) performing a process of switching the user terminal to a state in which mobile payment is possible a predetermined time before the payment scheduled time or the scheduled payment time; And transferring the received information to the merchant terminal to request payment approval.

Description

Technical Field [0001] The present invention relates to a method and apparatus for performing and supporting a mobile payment using a scheduling method, a credit card company server and an application, a credit card company,

More particularly, the present invention relates to a method and apparatus for performing mobile payment by a scheduling method, and more particularly, it relates to a method and apparatus for mobile payment, And a card issuer server and an application.

Generally, a credit card is a payment means issued as a proof of deferring the collection of a commodity or a service fee to a specific member for a certain period of time. When a credit card member purchases goods or services from an affiliated shop, etc., the user can purchase the product without paying cash by presenting the credit card and signing the sales slip. Since the payment is transferred from the account of the cardholder to the account of the merchant after a certain period of sale through the credit card company's bank, the cardholder can deposit the account in the account until the settlement date.

In recent years, with the widespread use of smart devices, mobile payment technology has been developed to enable credit payment at merchants with smart devices without having a real credit card.

In the mobile payment technology, the information storage method in the mobile device can be classified into three types: Secure Element (SE), Trust Execution Environment (TEE), and Host Card Emulation (HCE).

Of these, the HCE method is an open information storage method in that an OS (Operating System) of a mobile terminal can be used. In the mobile payment process using the HCE method, the information stored in the cloud server can be acquired from the mobile device only for a short period of time.

Also, for information security, the payment payment information is converted into a randomized token and transmitted from the cloud server to the mobile device, thereby making payment through the mobile device possible.

A user who wishes to make a credit payment through a mobile device receives settlement payment information through communication with the cloud server at the time of payment at the merchant, and then performs payment.

However, in this method, the cloud server must be connected to the cloud server at every payment, payment payment information required for payment must be requested from the cloud, payment can be made only after the information is received according to the request, There was an inconvenience compared to the existing real credit card payment process.

Korean Unexamined Patent Publication No. 2002-0096580 (December 31, 2002) Korean Patent Publication No. 2015-0134928 (Feb. 20, 2015)

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems of the prior art.

An object of the present invention is to make it possible to omit a process of receiving information necessary for mobile settlement after a user operates a mobile payment application, accesses a credit card company server, and receives authentication in mobile payment.

It is another object of the present invention to enable information necessary for mobile settlement to be received at an automatically predicted time according to a scheduling method in HCE mobile settlement.

According to another aspect of the present invention, there is provided a method for performing a mobile payment by a user terminal, the method comprising the steps of: (i) A process of receiving information necessary for mobile settlement and (ii) a process of switching the user terminal to a state in which mobile payment is possible a predetermined time before the payment scheduled time or the scheduled payment time; And transferring the received information to the merchant terminal to request payment approval.

According to another embodiment of the present invention, there is provided a method of supporting a mobile payment by a card issuer server, comprising the steps of: (a) transmitting, by a user terminal, (i) (Ii) a process in which the user terminal is switched to a state in which mobile payment is possible a predetermined time before the payment scheduled time or the scheduled payment time is performed, The method comprising the steps of: receiving a payment approval request from the merchant terminal when the user terminal transmits the payment request to the merchant terminal; and (b) determining whether the payment is approved using the information received from the merchant terminal. Method is provided.

The expected payment timing may be determined by analyzing the payment pattern of the user, and a candidate group of the expected payment timing may be extracted and selected from the extracted candidate groups.

The information necessary for the mobile payment may be an encrypted form after the card information including the card number is randomized.

The payment scheduled time may be set by the user.

In step (ii), if the user terminal is in a predetermined position a predetermined time before the payment scheduled time or the scheduled payment time, the user terminal can be switched to a state in which mobile payment can be made.

The predetermined position may be a predetermined franchise point.

The switching of the user terminal to a state in which mobile payment is possible may be performed by activating a specific application of the user terminal.

According to another embodiment of the present invention, there is provided a mobile terminal comprising: (i) a process of receiving information necessary for mobile settlement from a card issuer server at a scheduled payment time of a predetermined user or a predetermined time before the payment scheduled time; (ii) performing a process of transitioning the user terminal to a state in which mobile payment is possible a predetermined time before the payment scheduled time or the payment scheduled time; And transmitting the received information to the merchant terminal to request payment approval.

According to another embodiment of the present invention, there is provided a card company server for supporting mobile settlement, comprising: (i) a mobile payment server And (ii) a process in which the user terminal is switched to a state in which mobile payment is possible a predetermined time before the payment scheduled time or the scheduled payment time is performed, and then the received information is transmitted to the user terminal A payment approval request receiving unit for receiving a payment approval request from the merchant terminal when the payment request is transmitted to the merchant terminal; And a payment approval unit for determining whether the payment is approved by using the information received from the merchant terminal.

The expected payment timing may be determined by analyzing the payment pattern of the user, and a candidate group of the expected payment timing may be extracted and selected from the extracted candidate groups.

The information necessary for the mobile payment may be an encrypted form after the card information including the card number is randomized.

The payment scheduled time may be set by the user.

In step (ii), if the user terminal is in a predetermined position a predetermined time before the payment scheduled time or the scheduled payment time, the user terminal can be switched to a state in which mobile payment can be made.

The predetermined position may be a predetermined franchise point.

The switching of the user terminal to a state in which mobile payment is possible may be performed by activating a specific application of the user terminal.

According to an exemplary embodiment, a process of driving a mobile payment application, accessing a credit card company server, authenticating a user, and receiving information necessary for mobile settlement may be omitted.

According to one embodiment, in the HCE mobile settlement, information necessary for mobile settlement is automatically received at a time predicted according to the scheduling scheme, so that the user can complete the mobile settlement only by placing the mobile device near the merchant terminal .

FIG. 1 is a diagram schematically showing the overall configuration of a system for making a payment through an HCE mobile card according to an embodiment of the present invention. Referring to FIG.
2 is a diagram illustrating a configuration of a user terminal according to an embodiment of the present invention.
3 is a diagram illustrating a configuration of a card issuer server according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Also, when an element is referred to as "comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.

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

FIG. 1 is a diagram schematically showing the overall configuration of a system for making a payment through an HCE mobile card according to an embodiment of the present invention. Referring to FIG.

Referring to FIG. 1, a HCE (Host Card Emulation) mobile card payment system according to an embodiment may include a user terminal 100, a card issuer server 200, and an affiliate shop terminal 300.

The user terminal 100 according to one embodiment may include an application for mobile card use. The mobile card application may be downloaded to the user terminal 100 through the card issuer server 200 or a separate application management server (not shown), but may be installed together with the operating system of the user terminal 100 . The mobile card application of the user terminal 100 receives the information necessary for mobile settlement from the card issuer server 200 a predetermined time before or at a scheduled payment time of a predetermined user. The payment scheduled time of the user may be a mobile payment scheduled time input directly from the user or may be information obtained by analyzing a behavior pattern of the user (for example, a mobile card payment pattern). The user terminal 100 accesses the card issuer server 200 to receive information necessary for the mobile card settlement before the preset payment scheduled time or a predetermined time (for example, 10 minutes) therefrom, To a state in which it is possible. Accordingly, the user can easily perform the mobile settlement without operating the application at every mobile settlement, accessing the card company server, and requesting the information necessary for the mobile card settlement.

When information necessary for mobile settlement is automatically received in the user terminal 100, the user places the user terminal 100 in the vicinity of the merchant terminal 300, thereby transmitting information necessary for the mobile settlement to the merchant terminal 300, Can be completed. For this, the user terminal 100 may include a communication module that enables short-range communication with the affiliate shop terminal 300.

According to one embodiment, the user terminal may be any kind of handheld device capable of being connected to an external device or an external server through a network such as a mobile phone, a smart device, a PDA (Personal Digital Assistant), a PMP (Portable Multimedia Player) (Handheld) based wireless communication device.

The card issuer server 200 according to the embodiment issues a mobile card enabling mobile settlement of the HCE scheme to each user, and temporarily stores information (card number, expiration date, CVC code, etc.) necessary for mobile card settlement . The storage of information can be performed in a security-guaranteed manner in a separate cloud server or the like. The card issuer server 200 transmits information required for mobile card settlement according to a request from the user terminal 100. According to one embodiment, the information may be converted into a randomized form and then transmitted to the user terminal 100 in a form encrypted with a hash function. The user terminal 100 having received this information can display a message indicating that the reception is completed and transmits the information to the franchisee terminal 300 in a contact or non-contact manner.

The merchant terminal 300 according to an embodiment receives information required for mobile card settlement from the user terminal 100 and transmits it to the card company server 200 as a payment approval request together with purchase information (payment amount information, etc.) do. The franchisee terminal 300 may include a communication module that enables short-range communication. The merchant terminal 300 according to an exemplary embodiment may be implemented as a POS terminal or a CAT (Credit Authorization Terminal) terminal.

2 is a diagram illustrating a configuration of a user terminal according to an embodiment of the present invention.

Referring to FIG. 2, the user terminal 100 may include a mobile payment application 110, a first communication unit 120, a second communication unit 130, and a control unit 140.

The mobile payment application 110 according to an exemplary embodiment analyzes a scheduled payment time by receiving a payment schedule from a user or by analyzing a behavior pattern of the user himself / herself. In addition, the mobile terminal accesses the card company server at a time when the mobile payment is expected based on the scheduled payment time acquired from the user or the analysis result, and receives information necessary for mobile payment.

The mobile payment application 110 may include a payment schedule obtaining unit 111, an application driving unit 112, a mobile card information receiving unit 113, and a mobile settlement performing unit 114.

The payment schedule obtaining unit 111, the application driver 112, the mobile card information receiving unit 113 and the mobile settlement performing unit 114 according to an embodiment are included in the user terminal 100 and can communicate with external devices And may be included in the user terminal 100 in the form of an operating system, an application program module, and other program modules, and may be physically stored on various known storage devices. Such program modules, on the other hand, encompass but are not limited to routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types as described below in accordance with the present invention.

The schedule acquisition unit 111 may receive and store a mobile payment schedule from a user. For example, the user may activate the mobile payment application 110 and enter the time or condition at which he or she is planning to make a mobile payment. For example, you may enter information that mobile payments are scheduled to be made at 2:00 pm on October 28, 2016, or that you will be making mobile payments by specifying the time zone (time of day, lunch hour, , And may input information indicating that the mobile payment is to be made at the Yeoksam-dong A merchant's office in Gangnam-gu, Seoul, as the location information. The schedule acquiring unit 111 may acquire a scheduled payment time through the time input from the user, or when the condition is satisfied based on the condition information input by the user (for example, in the above example, It is possible to obtain schedule information that the mobile payment is scheduled to be carried out.

In addition, according to another embodiment, the schedule acquisition unit 111 may generate mobile payment schedule information by itself by analyzing a behavior pattern of the user. For example, when a user uses a credit card, the user can determine the time period during which the user frequently makes a payment through the SMS message indicating that the approval is completed, or analyze the past user's mobile card settlement pattern. As an example, it is possible to acquire information that a user is likely to pay for a mobile card at a time or location by learning time or location information frequently used by the mobile card.

When location information is to be acquired for acquiring settlement schedule information, the location information acquiring unit may be further included in the user terminal 100 although it is not shown in the figure for determining the location information. The location information acquiring unit can acquire real-time location information of the user terminal 100 using GPS, beacon, Bluetooth, AP, and other short-range communication technologies.

Meanwhile, according to another embodiment, the schedule acquisition unit 111 extracts and displays a predictable mobile payment timing candidate group through the information obtained by the behavior pattern analysis method of the user, It may be operated to select from among the candidate groups. Of course, the schedule acquisition unit 111 may select at least one of the candidate groups by itself.

The application driving unit 112 automatically operates the mobile card application without a user's operation before a mobile payment scheduled time obtained by the payment schedule obtaining unit 111 or a predetermined time from the scheduled time. In addition, the mobile terminal 100 may request information necessary for mobile settlement only when the user terminal 100 is located at a specific place at the scheduled time. When the mobile card application is driven by the application driving unit 112, the user terminal 100 is activated and a mobile card application driving screen can be displayed on the main screen of the user terminal 100. [ However, the present invention is not limited thereto, and the mobile card application may be activated when the user activates the user terminal 100. [

The mobile card information receiving unit 113 accesses the card issuing server 200 a predetermined time before the mobile payment scheduled time or the scheduled time obtained by the payment schedule obtaining unit 111 and requests information required for mobile settlement. In addition, the mobile terminal 100 may request information necessary for mobile settlement only when the user terminal 100 is located at a specific place at the scheduled time. When requesting information, user authentication information for receiving information may be transmitted together. To do so, user authentication information must be stored in the mobile payment application. When information required for mobile settlement is transmitted from the card issuer server 200 according to the request, the mobile card information receiver 113 temporarily stores the information.

According to one embodiment, information necessary for mobile settlement may be received after the mobile card application is activated, but in the reverse order. That is, the process of driving the mobile payment application and receiving the information necessary for the mobile payment can be performed independently.

The mobile settlement performing unit 114 converts the mobile settlement application into a mobile settlement state based on the information required for the mobile card settlement received by the mobile card information receiver 113. [ For example, the received information may be displayed on the screen of the user terminal 100 in the form of a two-dimensional code (for example, a bar code or a QR code) or may be displayed on the screen of the user terminal 100 It is possible to switch to a form in which information can be immediately transmitted and wait. According to one embodiment, the mobile payment application of the user terminal 100 may be activated to transition to the mobile payment state.

The first communication unit 120 according to an exemplary embodiment of the present invention performs a function of allowing the mobile payment application 110 to access the card issuer server 200 to request information required for mobile payment and to receive the information.

The second communication unit 130 according to an exemplary embodiment of the present invention performs a function of allowing the user terminal 100 to transmit information necessary for mobile settlement through short-range communication with the merchant terminal 300. If the mobile settlement is immediately possible by the mobile settlement performing unit 114, the user terminal 100 performs short-distance communication with the merchant terminal 300 through the second communication unit 120 to transmit information necessary for mobile settlement .

The control unit 140 according to the embodiment controls the functions of the mobile payment application 110, the first communication unit 120 and the second communication unit 130 in the user terminal 100 so that the mobile payment application 110, .

3 is a diagram illustrating a configuration of a card issuer server according to an embodiment of the present invention.

3, the card company server 200 includes a mobile card information transmitting unit 210, a payment approval request receiving unit 220, a payment acceptance unit 230, a communication unit 240, a control unit 250, As shown in FIG.

The mobile card information transmitting unit 210, the payment approval request receiving unit 220, the payment acceptance unit 230, the communication unit 240 and the control unit 250 according to an embodiment are included in the card issuer server 200, And may be included in the card issuer server 200 in the form of an operating system, an application program module, and other program modules, and may be physically stored on various known memory devices. Such program modules, on the other hand, encompass but are not limited to routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types as described below in accordance with the present invention.

The mobile card information transmitting unit 210 according to an embodiment receives an information request from the user terminal 100 required for a mobile card settlement, which is transmitted from a predetermined user at a scheduled payment time or a predetermined time before the payment scheduled time, And transmits the corresponding information to the user terminal 100 as a response. At this time, after the user authentication information is received and the authentication is completed, information necessary for mobile card settlement can be transmitted.

The settlement approval request receiving unit 220 according to an embodiment receives information necessary for mobile card settlement transmitted from the user terminal 100 to the merchant terminal 300 together with purchase information from the merchant terminal 300 as a payment approval request do.

The payment approval unit 230 according to an embodiment determines whether the payment is approved based on the payment request received from the merchant terminal 300. If the payment is approved, the payment approval unit 230 approves the payment.

The communication unit 240 according to an embodiment enables information transmission and reception between the user terminal 100 and the merchant terminal 300. The control unit 250 includes a mobile card information transmitting unit 210, a payment approval request receiving unit 220, The settlement approval unit 230, and the communication unit 240 can normally perform their respective operations.

According to the embodiment of the present invention, the process of driving the mobile payment application, connecting to the credit card company server, receiving the authentication information, and receiving the information necessary for the mobile payment may be omitted. That is, the mobile payment application receives information necessary for mobile payment at a time when payment is expected by the mobile payment application itself, switches to a payable state, and waits for the mobile payment application. By doing so, the mobile payment is completed only by communicating the mobile terminal with the merchant terminal can do.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.

100: User terminal
200: card company server
300: Merchant terminal
110: Mobile Payment Application
120: first communication section
130: second communication section
140:
111: a payment schedule obtaining unit
112: Application driver
113: mobile card information receiver
114: Mobile settlement performing unit
210: mobile card information transmission unit
220: Payment approval request receiver
230:

Claims (16)

CLAIMS What is claimed is: 1. A method for a user terminal to perform mobile settlement,
(i) transmitting previously stored user authentication information to a financial company server without a user's operation at a predetermined scheduled time of payment or a predetermined time before (hereinafter referred to as "A time") from the scheduled payment start time, (Ii) a process of receiving information necessary for mobile settlement from the financial company server when the user authentication is performed based on the user authentication, and (ii) Performing a process of switching to a state in which a plurality of devices are available; And
And transmitting information required for the mobile payment to the franchisee terminal to request payment approval. As a method for a financial service server to support mobile settlement,
(a) receiving user authentication information pre-stored in the user terminal from a user terminal a predetermined time before a predetermined scheduled payment time (hereinafter, referred to as 'A time') and performing user authentication;
(b) a process in which, when a predetermined time elapses from the scheduled payment time point or the scheduled payment time point after the time A by the user terminal, (i) a process for receiving information necessary for mobile payment from the financial company server, and Receiving a payment approval request from the merchant terminal when the received information is transmitted from the user terminal to the merchant terminal after the process of converting the user terminal into a state in which mobile payment is possible; And
(b) determining whether the payment is approved using the information received from the merchant terminal. 3. The method of claim 2,
The payment scheduled time may be,
A candidate group of an expected payment time point is extracted by analyzing a payment pattern of a user, and the selected group is selected from among the extracted candidate groups. 3. The method of claim 2,
Wherein the information necessary for the mobile payment is an encrypted form after the card information including the card number is randomized. 3. The method of claim 2,
Wherein the payment scheduled time is set by a user. 3. The method of claim 2,
The user terminal is switched to a state in which mobile payment is possible only when the user terminal is in a predetermined position when a predetermined time has passed from the scheduled payment start time or the scheduled payment start time in (ii) How to support mobile payments. The method according to claim 6,
Wherein the predetermined location is a predetermined franchise point. 3. The method of claim 2,
Wherein the switching of the user terminal to a state in which mobile payment is possible is performed by activating a specific application of the user terminal. A user terminal,
(i) transmitting previously stored user authentication information to a financial company server without a user's operation at a predetermined scheduled time of payment or a predetermined time before (hereinafter referred to as "A time") from the scheduled payment start time, (Ii) a process of receiving information necessary for mobile settlement from the financial company server when the user authentication is performed based on the user authentication, and (ii) Performing a process of switching to a state in which a plurality of devices are available; And
And transmitting the information required for the mobile payment to the merchant terminal to request payment approval. As a financial service server for supporting mobile settlement,
(A) time from a scheduled user's scheduled payment time (hereinafter, referred to as 'A time') from the user terminal and performs user authentication, and after the time A, (I) a process of transmitting information necessary for mobile settlement to the user terminal, and (ii) when the mobile terminal is in a state of being able to make a mobile settlement, A mobile card information transmitting unit for performing a process
A payment approval request receiving unit for receiving a payment approval request from the merchant terminal when information necessary for the mobile payment is transmitted from the user terminal to the merchant terminal; And
And a payment approval unit for determining whether the payment is approved by using the information received from the merchant terminal. 11. The method of claim 10,
The payment scheduled time may be,
A candidate group of an expected payment time point is extracted by analyzing a payment pattern of a user, and the selected candidate group is selected from among the extracted candidate groups. 11. The method of claim 10,
Wherein the information required for the mobile payment is an encrypted form after the card information including the card number is randomized. 11. The method of claim 10,
And the payment scheduled time is set by a user. 11. The method of claim 10,
Wherein, in the step (ii), the user terminal is switched to a mobile settlement state only when the user terminal is in a predetermined position a predetermined time before the payment scheduled time or the scheduled payment time. 15. The method of claim 14,
Wherein the predetermined position is a predetermined merchant. 11. The method of claim 10,
Wherein the switching of the user terminal to a state in which mobile payment is possible is performed by activating a specific application of the user terminal.
KR1020160134836A 2016-06-20 2016-10-18 Method, credit card company serveruser terminal and application for performing and supporting mobile payment by scheduling method KR101857073B1 (en)

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PCT/KR2017/004985 WO2017222184A1 (en) 2016-06-20 2017-05-12 Method for performing and supporting mobile payment by using scheduling method, and card company server and computer readable recording medium

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KR1020160076800 2016-06-20
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KR1020160121981A KR101857067B1 (en) 2016-06-20 2016-09-23 Method and apparatus for providing card payment service in an airplane which is in the process of flight
KR1020160122082A KR101872278B1 (en) 2016-06-20 2016-09-23 Method for controlling operation of display card and display card
KR1020160123319A KR101757125B1 (en) 2016-06-20 2016-09-26 Method and server for providing card service on behalf of card issue company
KR1020160129642A KR101836328B1 (en) 2016-06-20 2016-10-07 Server and method for processing cancellation of sales in elenctronic data capture type payment processing
KR1020160129947A KR101896455B1 (en) 2016-06-20 2016-10-07 Method providing certification service using transaction authorization process of card and certification support server
KR1020160129559A KR101756594B1 (en) 2016-06-20 2016-10-07 Method for producing financial transaction approval non-stop service through acting as an approval proxy and card company server performing the same
KR1020160129561A KR101757126B1 (en) 2016-06-20 2016-10-07 Method for producing integrated card company approval agent service and card company server
KR1020160130025A KR101910915B1 (en) 2016-06-20 2016-10-07 Method for producing overseas payment service connecting domestic card and card company server performing the same
KR1020160129946A KR101752102B1 (en) 2016-06-20 2016-10-07 Method providing service processing part sales and payment relay server
KR1020160132114A KR101872279B1 (en) 2016-06-20 2016-10-12 Method supporting selection of alliance service and card company server
KR1020160132671A KR101766597B1 (en) 2016-06-20 2016-10-13 Method and card business processing server for deferring payment of card charges to store
KR1020160133498A KR101756598B1 (en) 2016-06-20 2016-10-14 Method and server for providing mobile coupon service according to card usage informaion
KR1020160134836A KR101857073B1 (en) 2016-06-20 2016-10-18 Method, credit card company serveruser terminal and application for performing and supporting mobile payment by scheduling method
KR1020160136374A KR101852017B1 (en) 2016-06-20 2016-10-20 Method for providing unusual affiliation distinguishment service using location information and card company server performing the same
KR1020160137479A KR101852016B1 (en) 2016-06-20 2016-10-21 Method and server for remitting card payment seperately
KR1020160138569A KR101766598B1 (en) 2016-06-20 2016-10-24 Method and card company server for processing authorization of transaction
KR1020160139948A KR101766599B1 (en) 2016-06-20 2016-10-26 Method and card company server for processing payment by checking verification value, method and smart card for support payment by using verification value
KR1020160142114A KR101760622B1 (en) 2016-06-20 2016-10-28 Method for approving payment using smart card, card company server performing the same and smart card
KR1020160141934A KR20170142831A (en) 2016-06-20 2016-10-28 Method and server for providing dutch pay information

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KR1020160121981A KR101857067B1 (en) 2016-06-20 2016-09-23 Method and apparatus for providing card payment service in an airplane which is in the process of flight
KR1020160122082A KR101872278B1 (en) 2016-06-20 2016-09-23 Method for controlling operation of display card and display card
KR1020160123319A KR101757125B1 (en) 2016-06-20 2016-09-26 Method and server for providing card service on behalf of card issue company
KR1020160129642A KR101836328B1 (en) 2016-06-20 2016-10-07 Server and method for processing cancellation of sales in elenctronic data capture type payment processing
KR1020160129947A KR101896455B1 (en) 2016-06-20 2016-10-07 Method providing certification service using transaction authorization process of card and certification support server
KR1020160129559A KR101756594B1 (en) 2016-06-20 2016-10-07 Method for producing financial transaction approval non-stop service through acting as an approval proxy and card company server performing the same
KR1020160129561A KR101757126B1 (en) 2016-06-20 2016-10-07 Method for producing integrated card company approval agent service and card company server
KR1020160130025A KR101910915B1 (en) 2016-06-20 2016-10-07 Method for producing overseas payment service connecting domestic card and card company server performing the same
KR1020160129946A KR101752102B1 (en) 2016-06-20 2016-10-07 Method providing service processing part sales and payment relay server
KR1020160132114A KR101872279B1 (en) 2016-06-20 2016-10-12 Method supporting selection of alliance service and card company server
KR1020160132671A KR101766597B1 (en) 2016-06-20 2016-10-13 Method and card business processing server for deferring payment of card charges to store
KR1020160133498A KR101756598B1 (en) 2016-06-20 2016-10-14 Method and server for providing mobile coupon service according to card usage informaion

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KR1020160136374A KR101852017B1 (en) 2016-06-20 2016-10-20 Method for providing unusual affiliation distinguishment service using location information and card company server performing the same
KR1020160137479A KR101852016B1 (en) 2016-06-20 2016-10-21 Method and server for remitting card payment seperately
KR1020160138569A KR101766598B1 (en) 2016-06-20 2016-10-24 Method and card company server for processing authorization of transaction
KR1020160139948A KR101766599B1 (en) 2016-06-20 2016-10-26 Method and card company server for processing payment by checking verification value, method and smart card for support payment by using verification value
KR1020160142114A KR101760622B1 (en) 2016-06-20 2016-10-28 Method for approving payment using smart card, card company server performing the same and smart card
KR1020160141934A KR20170142831A (en) 2016-06-20 2016-10-28 Method and server for providing dutch pay information

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