KR102177106B1 - Card settlement system, server and method that allows to set the payment amount - Google Patents

Abstract

The present invention relates to a card payment system, server, and method capable of setting a payment amount implemented so that payment can be made using a protected card when paying for a product or service, wherein a user terminal inputs a user-side payment amount through an input means. After receiving the input and requesting the user's payment approval, receiving a response of the user's payment approval and notifying the user through the output means; The affiliated store terminal receives the affiliated store's payment amount through the input means and requests the affiliated store's payment approval, then receives the affiliated store's payment approval and notifies the affiliated store through the output means; The card payment server receives a request for user-side payment approval for the user-side payment amount from the user terminal, performs user authentication and approval, responds to the user-side payment approval to the user terminal, and registers the user-side payment approval for the user-side payment amount, Receiving a request for approval of payment by the affiliated store for the amount of payment at the affiliated store from the affiliated store terminal, performing affiliated store authentication and approval, and responding to the affiliated store's payment approval to the affiliated store terminal; The database divides the user-side payment approval for the user-side payment amount registered from the card payment server into a database and stores it.

Description

Card settlement system, server and method that allows to set the payment amount}

The technical field of the present invention relates to a card payment system, server, and method in which a payment amount can be set. In particular, a payment amount setting implemented so that payment can be made using a card capable of setting a payment amount when paying for a product or service. It relates to possible card payment systems, servers and methods.

The card payment system is a system that allows payment of a payment amount in lieu of cash using a debit card, credit card, or the like when purchasing a product or service. In the case of a payment system using a debit card, it is a payment system in which the payment amount is transferred directly from the user's bank account to the affiliated store's bank account through a terminal installed in the affiliated store when purchasing a product or service. To use the card, you must have an account with the bank. And in the case of a payment system using a credit card, it is a payment system through a card-type certificate issued to a user by a card issuer and an affiliated store according to a pre-signed contract. The payment amount of is paid to the affiliated store first, and after a certain period of time, the payment amount prepaid from the user is recovered.

Such a card payment system constitutes a system configuration in which a magnetic card, a smart card, etc. exist, and the conversion from a magnetic card to an IC chip-embedded smart card, which shows excellence in security, convenience, and information storage, is rapidly being promoted. . However, in such a card payment system, it is difficult to structurally prevent fraudulent transactions due to theft of the card signature, and denial of use.

A method of solving the problem of signature theft is to use authentication information (ie, confidential information) that only the user knows, but authentication information cannot be used because all information on the card is exposed to the POS terminal. In addition, in order to use the card's additional information service, it is necessary to access the card company's site in several steps, log in as a user, and find and use the card's additional information service on several pages. It is not meeting the needs of customers who only want to know the service.

Korean Patent Registration No. 10-0612725 (registered on August 8, 2006) discloses a card payment system, server, and method. It is a card issuer and a bank or credit card company that decides whether to approve a card transaction, or a bank or card company. For customer card transactions, card merchants owning a credit inquiry terminal (CAT) or POS terminal (POS), which are non-EMV-type terminals, and an intermediary communication network that serves as an intermediary for transaction approval between banks/card companies and card merchants ( In the card payment system including VAN), it is connected to allow direct communication with the non-EMV terminal of the card merchant, can read and write the customer's contactless EMV smart card, and transmit customer-related information to the non-EMV terminal. The pin pad type EMV terminal (PINPAD) is further configured, and the pin pad type EMV terminal reads the information of the contactless EMV smart card and includes a card connector for direct communication with the smart card and non-EMV type terminal. And, it is characterized in that a software means having an application for communication with the EMV-based IC chip application mounted in the EMV smart card is provided. According to the disclosed technology, it is possible to transact EMV smart cards through an existing non-EMV terminal, and since the infrastructure of the existing card payment system can be used as it is, the cost of building a new EMV system is greatly reduced. In addition, in order to build a new EMV system, there is no need to obtain approval from EMVCo for each model/operation system of the terminal, and only one component of the pin pad-type EMV terminal only needs to obtain approval, so the system conversion It provides ease of follow.

Korean Patent Registration No. 10-1751640 (registered on June 21, 2017) is a payment system for a payment card that provides payment and additional information services using a card with a payment function, a payment method using a payment system, and a method of providing additional information services. Has been disclosed. According to the disclosed technology, card information used when making a payment request to the card company's payment server by communicating with a POS terminal, and a URL used when directly accessing the Internet site of the card company's additional server through NFC communication with a smart device A URL-NFC payment card that is stored in a different space and configured to separate URLs in units of URL-NFC payment cards; By performing NFC communication with the URL-NFC payment card, it directly connects to the Internet site of the additional server corresponding to the URL, passes the authentication information of the URL-NFC payment card to the additional server, and plans to pay using the URL-NFC payment card. A smart device that transmits payment intention information indicating that it is or is logged in in units of URL-NFC payment cards to receive main page information; In response to the URL, the Internet site is provided to a smart device in units of URL-NFC payment card, and the authentication information is checked and login is accepted in units of URL-NFC payment card, and the main page information is provided to a smart device, or information about payment plans. An additional server of the card company that generates payment schedule information in response to the URL-NFC payment card to the card company's payment server; The payment request information generated in response to the payment request of the URL-NFC payment card using the card information of the URL-NFC payment card is provided to the payment server of the card company of the URL-NFC payment card, and the payment server receives it through the POS terminal. A POS terminal for receiving, from the payment server, approval result information indicating an approval result for the payment request generated by using the payment request information and the payment schedule information received from the additional server; And a payment server of a card company that provides the payment schedule information received from the additional server and the approval result information generated by using the payment request information received from the POS terminal to the POS terminal, and the authentication information is first added by the card company through the Internet route. The card information is transferred to the server, and the card information is later transferred to the payment server of the card company through a path through the POS terminal, and the additional server and the payment server communicate the verification result of the authentication information to prevent theft of the payment card.

The conventional card payment system as described above still has the disadvantage of having to hand over or expose a payment tool containing important information such as personal information to others when a user performs payment for a product or service. There is also a disadvantage in that important information such as information or payment tools may be stolen or hacked.

Korean Patent Registration No. 10-0612725 Korean Patent Registration No. 10-1751640

The problem to be solved by the present invention is to solve the above-described shortcomings, and card payment capable of setting a payment amount implemented so that payment can be made using a card capable of setting a payment amount when paying for a product or service. It is to provide systems, servers and methods.

As a means of solving the above-described problem, according to one feature of the present invention, a user who receives a user-side payment amount through an input means and requests user-side payment approval, then receives a user-side payment approval response and notifies the user through an output means. terminal; An affiliated store terminal receiving a payment amount from the affiliated store through an input means and requesting payment approval from the affiliated store, receiving a response from the affiliated store's payment approval, and notifying the affiliated store through an output means; Receiving a request for user-side payment approval for the user-side payment amount from the user terminal, performing user authentication and approval, responding to the user-side payment approval to the user terminal, and registering the user-side payment approval for the user-side payment amount, and the affiliated store A card payment server for receiving a request for approval of payment by the affiliated store for the payment amount of the affiliated store from the terminal, performing affiliated store authentication and approval, and responding to the affiliated store's payment approval to the affiliated store terminal; And it provides a card payment system capable of setting a payment amount including a database that separates and stores the user-side payment approval for the user-side payment amount registered from the card payment server for each user.

In one embodiment, the user terminal is characterized in that, upon completion of payment approval, the user-side payment amount is inputted to the protected card.

In one embodiment, the user terminal is characterized in that the protective card is a safety payment means that receives a user-side payment amount and accepts payment only for the received user-side payment amount.

In one embodiment, the protected card is characterized in that it is a contact payment means or a non-contact payment means.

In one embodiment, the user terminal is characterized in that when executing the protect-only app, the user-side payment amount is input and the user-side payment approval for the user-side payment amount is requested.

In one embodiment, the user terminal is characterized in that the user terminal checks the current user location using a location sensing means and notifies the card payment server.

In one embodiment, the user terminal, in the case of a phone as an input means, requests the card payment server to approve the user-side payment for the user-side payment amount through phone authentication with the card payment server.

In one embodiment, the user terminal is characterized in that after accessing the card payment server to generate and transmit a download request signal, download a protection exclusive app from the card payment server and install it in an internal memory.

In one embodiment, the user terminal, when the user-side payment amount is input through the input means and confirms the user-side payment approval request, generates a user-side payment approval request signal including the user-side payment amount and user identification information or location information, and the After transmission to the card payment server, receiving a user-side payment approval completion signal from the card payment server and notifying the user of the user-side payment approval completion.

In one embodiment, the user terminal is characterized in that when payment approval is completed, the approval button on the screen is switched from an inactive state to an active state to notify the user of the completion of payment approval on the user side.

In one embodiment, the protected card is characterized in that it is one of a payment method using a magnetic, a payment method using an IC chip, a payment method using NFC, a payment method using Bluetooth, and other non-contact payment methods not included. .

In one embodiment, the protect card is characterized in that the user-side payment amount is received and stored, and then used for payment at an affiliated store.

In one embodiment, the user terminal is characterized in that when pressing an approval button in an activated state, the user-side payment amount is inputted to the protected card in a contact or non-contact manner.

In one embodiment, the user terminal is characterized in that when pressing the authorization button in the activated state, the user's payment amount is input to the protected card using one of a magnetic, IC chip, NFC, and Bluetooth.

In one embodiment, the user terminal, when contacting the protected card, inputs a payment authorization code including a user-side payment amount into the protected card, so that the protected card is used for payment at an affiliated store. Characterized in that.

In one embodiment, the user terminal requests the card payment server to transfer the user-side payment amount to a payment-only account, and then receives a payment authorization code from the card payment server and inputs it into a protected card to make payment at an affiliate store. It is characterized in that a protective card is used.

In one embodiment, the card payment server, the merchant only when the merchant-side payment amount for the merchant-side payment approval request from the merchant terminal matches the user-side payment amount for the user-side payment approval request from the user terminal. It is characterized by performing authentication and approval.

In one embodiment, the card payment server checks the current location of the user and at the same time checks the current location of the affiliate store, and only when the user location and the affiliate store location are within a preset range, the affiliate store side from the affiliate store terminal. When the payment amount of the affiliated store for the payment approval request matches the payment amount of the user for the user-side payment approval request from the user terminal, the affiliated store authentication and approval are performed.

In one embodiment, the card payment server is characterized in that it receives a user-side payment approval request for the user-side payment amount from the user terminal through phone authentication for the user terminal.

In one embodiment, the card payment server is characterized in that it receives a request for payment approval from the affiliated store terminal for the payment amount on the affiliated store side through telephone authentication for the affiliated store terminal.

In one embodiment, the card payment server performs user authentication and approval by checking user identification information or user location and user-side payment amount in the user-side payment approval request signal received from the user terminal, and then user authentication and approval are completed. At the time, the user-side payment approval completion signal is generated and transmitted to the user terminal, and the user-side payment approval for the user-side payment amount is converted into a database for each user identification information and registered in the database.

In one embodiment, the card payment server, after performing the affiliate store authentication and approval by checking the affiliate store identification information or the affiliate store location and the affiliate store side payment amount in the affiliate store side payment approval request signal received from the affiliate store terminal, and Upon completion of the approval, the affiliate store side payment approval completion signal is generated and transmitted to the affiliate store terminal, and at the same time, the affiliate store side payment approval for the affiliate store side payment amount is converted into a database for each affiliate store identification information and registered in the database. do.

In one embodiment, the card payment server is characterized in that after transferring the user-side payment amount to a payment-only account according to a transfer request received from the user terminal, generates a payment authorization code and assigns it to the user terminal.

In one embodiment, the affiliated store terminal is characterized in that it checks the current location of the affiliated store using a location sensing means and notifies the card payment server.

In one embodiment, the affiliated store terminal is characterized in that it requests the card payment server to approve payment of the affiliated store side payment amount through phone authentication with the card payment server.

In one embodiment, the affiliated store terminal receives the affiliated store's payment amount through the input means and confirms the affiliated store's payment approval request, the affiliated store's payment approval request signal including the affiliated store's payment amount and affiliated store identification information or location information After generating and transmitting to the card payment server, receiving a payment approval completion signal at the affiliated store from the card payment server and notifying the user of the completion of payment approval at the affiliated store.

In an embodiment, the affiliated store terminal receives the user-side payment amount or payment approval code contained in the protected card in a contact or non-contact manner, and requests the affiliate store-side payment approval to the card payment server.

In one embodiment, the affiliated store terminal is characterized in that when the user-side payment amount input from the protected card and the affiliated store-side payment amount are the same, requesting the card payment server to approve the affiliated store-side payment.

As a means for solving the above-described problem, according to another feature of the present invention, after receiving and transmitting a user-side payment approval for the user-side payment amount from the user terminal, receiving the user-side payment approval and responding to the user terminal, the An interface unit which receives and transmits a request for payment approval from the affiliate store terminal to the affiliate store side payment payment, and then receives the payment approval from the affiliate store and responds to the affiliate store terminal; A user payment approval unit that performs user authentication and approval in response to a user-side payment approval request transmitted from the interface unit, transfers the user-side payment approval to the interface unit, and registers the user-side payment approval for the user-side payment amount; And it provides a card payment server capable of setting a payment amount including an affiliated store payment approval unit that performs affiliate store authentication and approval according to the affiliate store's payment approval request transmitted from the interface unit, and transmits the affiliate store side payment approval to the interface unit.

As a means for solving the above-described problem, according to another feature of the present invention, the user terminal receives a user-side payment amount through an input means and requests a user-side payment approval; The card payment server receives a request for user-side payment approval for the user-side payment amount from the user terminal, performs user authentication and approval, responds to the user-side payment approval to the user terminal, and registers the user-side payment approval for the user-side payment amount. Step to do; Receiving, by the user terminal, receiving payment approval from the user and notifying the user through an output means; Receiving, by the affiliated store terminal, the payment amount of the affiliated store through an input means and requesting approval of the affiliated store's payment; Receiving, by the card payment server, an affiliate store-side payment approval request for an affiliate store-side payment amount from the affiliate store terminal, performing affiliate store authentication and approval, and responding to the affiliate store-side payment approval to the affiliate store terminal; And receiving, by the affiliated store terminal receiving payment approval from the affiliated store, and notifying the affiliated store through an output means.

As an effect of the present invention, by providing a card payment system, server, and method capable of setting a payment amount implemented so that payment can be made using a card capable of setting a payment amount when paying for a product or service, a user can When performing payment for services, payment tools containing important information, such as personal information, are not handed over or exposed to others. In addition, according to the present invention, it is possible to pay safely even if handed over to another person using only a secure exclusive payment tool (i.e., a card or a dedicated tool), and thus important information such as personal information or theft and hacking of payment tools can be prevented. It has a preventive effect.

1 is a diagram illustrating a card payment system capable of setting a payment amount according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating a card payment server in FIG. 1.
3 is a diagram illustrating a card payment method capable of setting a payment amount according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art may easily implement the present invention. However, since the description of the present invention is merely an embodiment for structural or functional description, the scope of the present invention should not be construed as being limited by the embodiments described in the text. That is, since the embodiments can be modified in various ways and have various forms, the scope of the present invention should be understood to include equivalents capable of realizing the technical idea. In addition, since the object or effect presented in the present invention does not mean that a specific embodiment should include all of them or only those effects, the scope of the present invention should not be understood as being limited thereto.

The meaning of the terms described in the present invention should be understood as follows.

Terms such as "first" and "second" are used to distinguish one component from other components, and the scope of rights is not limited by these terms. For example, a first component may be referred to as a second component, and similarly, a second component may be referred to as a first component. When a component is referred to as being "connected" to another component, it should be understood that although it may be directly connected to the other component, another component may exist in the middle. On the other hand, when it is mentioned that a component is "directly connected" to another component, it should be understood that there is no other component in the middle. On the other hand, other expressions describing the relationship between the constituent elements, that is, "between" and "just between" or "neighboring to" and "directly neighboring to" should be interpreted as well.

Singular expressions are to be understood as including plural expressions unless the context clearly indicates otherwise, and terms such as "comprises" or "have" refer to specified features, numbers, steps, actions, components, parts, or It is to be understood that it is intended to designate that a combination exists and does not preclude the presence or addition of one or more other features or numbers, steps, actions, components, parts, or combinations thereof.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the field to which the present invention belongs, unless otherwise defined. Terms defined in a commonly used dictionary should be interpreted as having the meaning of the related technology in context, and cannot be interpreted as having an ideal or excessively formal meaning unless explicitly defined in the present invention.

Now, a card payment system, server, and method capable of setting a payment amount according to an embodiment of the present invention will be described in detail with reference to the drawings.

1 is a diagram illustrating a card payment system capable of setting a payment amount according to an embodiment of the present invention.

Referring to FIG. 1, a card payment system 100 capable of setting a payment amount includes a plurality of user terminals 110, a card payment server 120, a database 130, a plurality of affiliated store terminals 140, and a network 150. ).

The user terminal 110 receives a user-side payment amount for a product or service provided from an affiliated store through an input means, and requests the card payment server 120 to approve the user-side payment for the received user-side payment amount. , It receives the user-side payment approval from the card payment server 120 and notifies the user through an output means.

In an embodiment, the user terminal 110 may check the current user location using a location sensing means such as a GPS module, and notify the card payment server 120 of the determined user location.

In one embodiment, the user terminal 110 may be a phone such as a mobile phone or a landline phone used by the user, and in this case, the user side through phone authentication with the card payment server 120 using the phone as an input means. User-side payment approval for the payment amount may be requested from the card payment server 120.

In one embodiment, the user terminal 110 may be a terminal used by the user (for example, a terminal capable of communication such as a PC or a laptop computer, or a mobile communication terminal such as a smart phone, a mobile phone, a PDA, etc.). In this case, after accessing the card payment server 120 through the network 150 to generate a download request signal and transmitting it to the card payment server 120, a protect-only app (or protects) transmitted from the card payment server 120 Dedicated program) can be downloaded and installed in the internal memory.

In one embodiment, the user terminal 110 may be provided with a protection-only app (or a protect-only program), and in this case, when the protection-only app (or a protect-only program) is executed, the network 150 The card payment server 120 may be accessed through a display means to display the main screen through a display means such as an LCD, a touch screen, or the like, or output through an output means such as a speaker or a printer.

In one embodiment, the user terminal 110, when accessing the card payment server 120 through the network 150, receives the main screen information transmitted from the card payment server 120, through the display means. The main screen can be displayed (or voice output through the output means), in which the user selects the membership registration item from the selection items on the main screen through input means such as keypad, touch pad (especially touch screen), etc. In this case, it is possible to check this and generate a membership selection signal (including user identification information) to inform the selected member registration item and transmit it to the card payment server 120, and then the card payment server ( 120) is received and the member sign-up screen can be displayed through the display means (or voice output through the output means), and thus the user can use the input means in the input field of the membership sign-up screen. If you enter your own information (i.e., user information) and choose to sign up for membership, check this and generate a membership request signal (including user identification information) including the entered user information, and 120), and then receives the membership registration completion signal transmitted from the card payment server 120, and displays the membership registration completion through a display means (or outputs a voice through an output means) I can do it.

In one embodiment, when the user selects a login item from the selection items on the main screen through an input means, the user terminal 110 checks the log-in selection signal (user identification information) to inform the selected log-in item. Including) can be generated and transmitted to the card payment server 120, and then, the login screen information transmitted from the card payment server 120 is received, and the login screen is displayed through a display means (or, Voice output through the output means), and when the user inputs the mobile phone number (or ID or user identification information, etc.) and password in the input field of the login screen through the input means and selects to log in, this After checking, a login request signal (including user identification information) including the entered mobile phone number (or ID or affiliated store identification information, etc.) and password can be generated and transmitted to the card payment server 120. Such Next, a member authentication completion signal transmitted from the card payment server 120 may be received, and the member authentication completion may be displayed through a display unit (or voice output through an output unit).

In one embodiment, the user terminal 110, when the user inputs a user-side payment amount for a product or service through an input means on the main screen of the protect-only app (or protect-only program) and requests user-side payment approval E, by checking the user-side payment approval request through the corresponding input method and generating a user-side payment approval request signal (including user identification information (or user location)) including the user-side payment amount entered through the corresponding input method to pay by card After transmission to the server 120, the user-side payment approval completion signal (which may include a payment approval code) transmitted from the card payment server 120 is received and the user-side payment approval completion is displayed through a display means (or , Voice output through the output means).

In one embodiment, the user terminal 110, when receiving the user-side payment approval completion signal transmitted from the card payment server 120 (i.e., when payment approval is completed), the approval button on the screen is activated in a deactivated state. By switching to, the user can be notified of the completion of payment approval on the user side.

In one embodiment, when the user terminal 110 receives the user-side payment approval completion signal transmitted from the card payment server 120 (ie, when payment approval is completed), the user-side payment amount is a card in which the payment amount can be set. You can enter in Here, the card in which the corresponding payment amount can be set is a payment card and is hereinafter referred to as a'protect type card'.

In one embodiment, the protect-type card is a payment-only card equipped with a protect function, and may refer to a safe payment method that receives a user-side payment amount and approves payment only for the received user-side payment amount to be used safely.

In one embodiment, the protective card may include both a contact payment method or a non-contact payment method. For example, a payment method using a magnetic, a payment method using an IC chip, a payment method using NFC, a payment method using Bluetooth. It may be one of a payment method or other non-contact payment method, and the user's payment amount may be input and stored, and then used for payment at an affiliate store.

In one embodiment, when the user terminal 110 presses the approval button in the activated state, the user terminal 110 may input the user-side payment amount into the protected card in a contact or non-contact manner.

In an embodiment, when the user terminal 110 presses the approval button in the activated state, the user terminal 110 may input the user-side payment amount into the protected card using one of a magnetic, IC chip, NFC, and Bluetooth. For example, a rechargeable bus card with an integrated IC chip can be used as a protection card.

In one embodiment, the user terminal 110, when contacting the protect card, inputs a payment authorization code including the user's payment amount into the protect card, so that the protect card is used for payment at an affiliated store. I can.

In one embodiment, the user terminal 110 requests the card payment server 120 to transfer the user-side payment amount to a payment-only account, and then receives a payment authorization code from the card payment server 120 and inputs it into a protected card. By doing so, it is possible to use a protected card for payment at the affiliated store.

The card payment server 120 receives a user-side payment approval request for the user-side payment amount from the user terminal 110, performs user authentication and approval according to the user-side payment approval request, and sends the user-side payment approval to the user terminal 110. At the same time as the response, the user-side payment approval for the user-side payment amount is registered in the database 130, and the affiliated store-side payment approval request for the affiliated store-side payment amount is requested from the affiliated store terminal 140, and By performing affiliated store authentication and approval, the affiliated store terminal 140 responds to the affiliated store's payment approval.

In one embodiment, the card payment server 120 may include a financial institution or a financial settlement institution, and at the time of authentication and approval of the affiliate store, the affiliate store side payment for the affiliate store side payment approval request from the affiliate store terminal 140 The affiliate store authentication and approval can be performed only when the amount matches the user-side payment amount for the user-side payment approval request from the user terminal 110.

In one embodiment, the card payment server 120 checks the current location of the user and the current location of the affiliated store at the same time when the affiliate store is authenticated and approved, and the user location and the affiliate store location are within a preset range. Limited, the merchant authentication and approval are performed only when the merchant-side payment amount for the merchant-side payment approval request from the merchant terminal 140 matches the user-side payment amount for the user-side payment approval request from the user terminal 110. I can.

In one embodiment, the card payment server 120, when the user terminal 110 is a phone, the user-side payment approval for the user-side payment amount from the user terminal 110 through phone authentication for the user terminal 110 May be requested.

In one embodiment, the card payment server 120, when the affiliate store terminal 140 is a phone, the affiliate store side payment for the affiliate store side payment amount from the affiliate store terminal 140 through phone authentication for the affiliate store terminal 140 You may be asked for approval.

In one embodiment, the card payment server 120 receives a download request signal transmitted from the user terminal 110 (or the affiliated store terminal 140), and stores a protect-only app (or a protect-only program) into a database ( 130) and transmits the read protection-only app to the user terminal 110 (or the affiliated store terminal 140).

In one embodiment, the card payment server 120 checks when the user terminal 110 (or the affiliated store terminal 140) accesses through the network 150, and the main screen information from the database 130 And the read main screen information may be transmitted to the user terminal 110 (or the affiliated store terminal 140).

In one embodiment, the card payment server 120 receives the member subscription selection signal transmitted from the user terminal 110 (or the affiliated store terminal 140), and user identification information (or , Affiliate identification information), the member registration screen information corresponding to the confirmed user identification information (or merchant identification information) is read from the database 130, and the read member registration screen information is read in the user terminal 110 (Or, it may be transmitted to the affiliated store terminal 140).

In one embodiment, the card payment server 120 receives a membership request signal transmitted from the user terminal 110 (or the affiliated store terminal 140), and receives user information (or, Affiliate store information) and user identification information (or affiliate store identification information) are checked, and the verified user information (or affiliate store information) is converted into a database for each user identification information (or affiliate store identification information), and the database 130 ), the user terminal 110 (or the affiliated store terminal 140) by generating a member registration registration completion signal.

In one embodiment, the card payment server 120 receives the login selection signal transmitted from the user terminal 110 (or the affiliated store terminal 140), and user identification information (or the affiliated store) in the received login selection signal. Identification information), read the login screen information corresponding to the verified user identification information (or affiliated store identification information) from the database 130, and read the read login screen information from the user terminal 110 (or affiliate store It can be transmitted to the terminal 140.

In one embodiment, the card payment server 120 receives a login request signal transmitted from the user terminal 110 (or the affiliated store terminal 140), and the user terminal 110 (or the affiliated store terminal 140) ) Is a legitimate terminal (for example, whether the mobile phone number and password match, whether or not to pay the cost, etc.), and at this time, the mobile phone number (or ID, etc.), password, and User identification information (or merchant identification information) is checked, and the previously registered mobile phone number and password corresponding to the confirmed user identification information (or merchant identification information) is read from the database 130, and the corresponding confirmation Compares whether the obtained mobile phone number and password and the read mobile phone number and password match each other, and when the verified user terminal 110 (or affiliated store terminal 140) is a legitimate terminal, a member authentication completion signal May be generated and transmitted to the user terminal 110 (or the affiliated store terminal 140).

In one embodiment, the card payment server 120 receives the user-side payment approval request signal transmitted from the user terminal 110, and user identification information (or user location) and user-side payment in the received user-side payment approval request signal. The amount can be checked, and user authentication and approval are performed on whether the user corresponding to the confirmed user identification information can approve the confirmed user-side payment amount, and when user authentication and approval are completed, user-side payment approval A completion signal (which may include a payment approval code) is generated and transmitted to the user terminal 110, and at the same time, the user-side payment approval for the user-side payment amount is converted into a database for each user identification information and registered in the database 130. Can give.

In one embodiment, the card payment server 120 receives the affiliate store-side payment approval request signal transmitted from the affiliate store terminal 140, and the affiliate store identification information (or affiliate store location) in the received affiliate store-side payment approval request signal, and The merchant's payment amount can be checked, and after the merchant authentication and approval are performed on whether it is acceptable to approve the confirmed merchant's payment amount to the merchant corresponding to the verified merchant identification information, the merchant authentication and approval are completed. , A merchant-side payment approval completion signal (which may include a payment authorization code) is generated and transmitted to the merchant terminal 140, and the merchant-side payment approval for the merchant-side payment amount is converted into a database for each merchant identification information. It can be registered in the database 130.

In one embodiment, the card payment server 120 receives a transfer request from the user terminal 110 and transfers the user-side payment amount to a payment-only account, and then generates a payment authorization code and gives it to the user terminal 110. Can give.

The database 130 divides user-side payment approval for the user-side payment amount registered from the card payment server 120 into a database and stores it.

In an embodiment, the database 130 may preset and store a protect-only app (or a protect-only program) for providing payment using a protect card.

In one embodiment, the database 130, user-related information (e.g., mobile phone number, password, address, email address, name, age, gender, occupation, interests, disposition, nickname, self-introduction, image , Location, etc.) can be stored in a database for each user identification information, and information related to affiliated stores (for example, mobile phone number, password, affiliate store name, address, email address, name, gender check, nickname, self-introduction, Images, locations, etc.) can be stored in a database for each affiliated store identification information.

In one embodiment, the database 130 includes information on a main screen including information on selection items (eg, items such as membership registration, login, payment approval request, etc.), and a plurality of input fields (eg, Information on the membership registration screen including fields such as mobile phone number, password, address, email address, name, gender check, nickname, self-introduction, image, etc. (or user identification information (or merchant identification information) Membership registration screen information), information on the login screen, information on the payment approval request screen, and information on the payment approval completion screen including an approval button can be set and stored in advance.

In one embodiment, the database 130 may divide the merchant-side payment approval for the merchant-side payment amount registered from the card payment server 120 into a database and store it.

The affiliated store terminal 140 receives the affiliated store's payment amount for goods or services provided to the user by the affiliated store through an input means, and receives the affiliated store's payment approval for the received affiliated store's payment amount by card payment server 120 After requesting to, the card payment server 120 receives payment approval from the affiliated store and notifies the affiliated store through an output means.

In an embodiment, the affiliate store terminal 140 may check the current affiliate store location by using a location sensing means such as a GPS module, and notify the card payment server 120 of the identified affiliate store location.

In one embodiment, the affiliated store terminal 140 may be a phone such as a mobile phone or a landline phone used by the affiliated store, and in this case, the affiliated store through phone authentication with the card payment server 120 using a phone as an input means. The merchant side payment approval for the side payment amount may be requested from the card payment server 120.

In one embodiment, the affiliated store terminal 140 is a terminal used by the affiliated store (for example, a terminal capable of communication such as a PC or a laptop computer, or a mobile communication terminal such as a smartphone, a mobile phone, or a PDA, a POS terminal, or a card payment terminal. Etc.), and the protection-only app can be installed in the same manner as the protection-only app installation in the user terminal 110 as described above, and the member in the same manner as the member registration in the user terminal 110 as described above. Registration can be performed, and login can be performed in the same manner as the login in the user terminal 110 as described above, and payment approval in the same manner as the payment approval request in the user terminal 110 as described above The request can be fulfilled.

In one embodiment, the affiliated store terminal 140, on the main screen of the protect-only app (or protect-only program), the affiliated store owner inputs a payment amount to the affiliated store for a product or service through an input means and requests payment approval for the affiliated store In this case, the merchant's payment approval request signal (including merchant identification information (or merchant location)) including the merchant's payment amount entered through the corresponding input means by checking the merchant's payment approval request through the corresponding input means. After generating and transmitting it to the card payment server 120, the affiliated store side payment approval completion signal (which may include a payment approval code) transmitted from the card payment server 120 is received and the corresponding affiliated store side payment approval is completed. It can be displayed through the display means (or audio output through the output means).

In one embodiment, the affiliated store terminal 140, in the case of one of a communication enabled terminal, a mobile communication terminal, a POS terminal, a card payment terminal, etc., is a user-side payment contained in a protected card in a contact or non-contact manner as described above. An amount (or a payment approval code including a user-side payment amount) may be input, and a merchant-side payment approval may be requested from the card payment server 120. In this case, the affiliated store terminal 140 may request the affiliated store side payment approval only when the input user-side payment amount and the affiliated store side payment amount are the same.

The network 150 includes a wired communication network or a wireless communication network, and connects a plurality of user terminals 110 and the card payment server 120 by wired or wireless communication to perform data transmission/reception between each other, and a card The payment server 120 and the plurality of affiliated store terminals 140 are connected by wired or wireless communication to perform data transmission/reception between each other.

The card payment system 100 capable of setting a payment amount having the configuration as described above is implemented so that payment can be made using a protected card when paying for a product or service, so that a user can pay for a product or service. Payment tools containing important information, such as personal information, are not to be handed over or exposed to other people during execution, and can be safely paid even by handing them over to others using only secure payment tools (i.e., cards or dedicated tools). In addition, it is possible to prevent theft and hacking of important information such as personal information or payment tools.

FIG. 2 is a diagram illustrating a card payment server capable of setting a payment amount in FIG. 1.

Referring to FIG. 2, the card payment server 120 includes an interface unit 121, a user payment approval unit 122, and an affiliated store payment approval unit 123.

The interface unit 121 communicates with a plurality of user terminals 110 and a plurality of affiliated store terminals 140 through the network 150, and each has its own unique identification information (e.g., user identification information, affiliate store Identification information, etc.) to identify each of the user terminal 110 and the affiliated store terminal 140 connected to the corresponding communication, and receive a request for user-side payment approval for the user-side payment amount from the user terminal 110, and the user payment approval unit 122 After transmitting to, it transmits the user-side payment approval response transmitted from the user payment approval unit 122 to the user terminal 110, and receives a request for payment approval from the merchant terminal 140 for the merchant-side payment amount. After being transmitted to the affiliated store payment approval unit 123, the affiliated store side payment approval response transmitted from the affiliated store payment approval unit 123 is transmitted to the affiliated store terminal 140.

The user payment approval unit 122 responds to the user-side payment approval to the interface unit 121 by performing user authentication and approval according to the user-side payment approval request transmitted from the interface unit 121, and at the same time, User-side payment approval is registered in the database 130.

In one embodiment, the user payment approval unit 122, when the user terminal 110 is a phone, performs phone authentication for the user terminal 110 through the interface unit 121 from the user terminal 110 The user-side payment approval may be requested for the user-side payment amount through the interface unit 121.

In one embodiment, the user payment approval unit 122, when receiving a user-side payment approval request signal transmitted from the user terminal 110 through the interface unit 121, the user in the received user-side payment approval request signal After performing user authentication and approval as to whether identification information (or user location) and user-side payment amount can be checked, and whether it is acceptable to approve the confirmed user-side payment amount to a user corresponding to the confirmed user identification information, When user authentication and approval are completed, a user-side payment approval completion signal (which may include a payment approval code) is generated and transmitted to the user terminal 110 through the interface unit 121, and at the same time, the user-side payment amount User-side payment approval may be converted into a database for each user identification information and registered in the database 130.

In one embodiment, the user payment approval unit 122, when receiving a transfer request transmitted from the user terminal 110 through the interface unit 121, after transferring the user-side payment amount to a payment-only account, The payment approval code may be generated and given to the user terminal 110 through the interface unit 121.

The affiliated store payment approval unit 123 responds to the affiliated store side payment approval to the interface unit 121 by performing the affiliated store authentication and approval according to the affiliated store's payment approval request transmitted from the interface unit 121.

In one embodiment, the affiliated store payment approval unit 123 may include a financial institution or a financial settlement institution, and at the time of affiliated store authentication and approval, the affiliated store side from the affiliated store terminal 140 through the interface unit 121 The affiliated store authentication and approval may be performed only when the affiliated store's payment amount for the payment approval request coincides with the user's payment amount of the user's payment approval request from the user terminal 110 through the interface unit 121.

In an embodiment, the affiliated store payment approval unit 123 checks the current location of the user and the current location of the affiliated store at the same time when the affiliated store is authenticated and approved, so that the user location and the affiliated store location are within a preset range. As long as, the amount of payment for the merchant-side payment approval request from the merchant terminal 140 through the interface unit 121 is determined for the user-side payment approval request from the user terminal 110 through the interface unit 121 Affiliate authentication and approval can be performed only when the amount of the user's payment matches.

In one embodiment, the affiliated store payment approval unit 123, when the affiliated store terminal 140 is a phone, performs phone authentication for the affiliated store terminal 140 through the interface unit 121 and from the affiliated store terminal 140 It is also possible to receive a request for payment approval by the affiliated store for the payment amount at the affiliated store through the interface unit 121.

In one embodiment, the affiliated store payment approval unit 123, when receiving the affiliated store side payment approval request signal transmitted from the affiliated store terminal 140 through the interface unit 121, the received affiliated store side payment approval request signal You can check the merchant identification information (or merchant location) and the merchant's payment amount at, and verify and approve the merchant's authorization to approve the confirmed merchant-side payment amount to the merchant corresponding to the identified merchant identification information. After performing, when the affiliate store authentication and approval are completed, the affiliate store side payment approval completion signal (which may include a payment approval code) is generated and transmitted to the affiliate store terminal 140 through the interface unit 121 and at the same time, The merchant-side payment approval for the merchant-side payment amount may be converted into a database for each merchant identification information and registered in the database 130.

The card payment server 120 having the above-described configuration may further include a download management unit 124.

When the download management unit 124 receives the download request signal transmitted from the user terminal 110 (or the affiliated store terminal 140) through the interface unit 121, the protection-only app (or a protect-only program) Is read from the database 130 and transmits the read protection-only app to the user terminal 110 (or the affiliated store terminal 140) through the interface unit 121.

The card payment server 120 having the configuration as described above may further include a member management unit 125.

The member management unit 125, when receiving a member subscription selection signal transmitted from the user terminal 110 (or the affiliated store terminal 140) through the interface unit 121, the user in the received member subscription selection signal The identification information (or merchant identification information) is checked, the member registration screen information corresponding to the confirmed user identification information (or merchant identification information) is read from the database 130, and the read member registration screen information is interfaced. It transmits to the user terminal 110 (or the affiliated store terminal 140) through the unit 121, and then the member subscription request signal transmitted from the user terminal 110 (or the affiliated store terminal 140) is In the case of receiving through the interface unit 121, the user information (or affiliate store information) and user identification information (or affiliate store identification information) are checked in the received member subscription request signal, and the confirmed user information (or , Affiliate information) is converted into a database for each of the identified user identification information (or merchant identification information) and registered in the database 130, and then a user terminal through the interface unit 121 by generating a membership registration completion signal. (110) (or, the affiliated store terminal 140), and also receives a login selection signal transmitted from the user terminal 110 (or, the affiliated store terminal 140) and identifies the user in the received login selection signal Information (or affiliated store identification information) is checked, the login screen information corresponding to the confirmed user identification information (or affiliated store identification information) is read from the database 130, and the read login screen information is read from the user terminal 110. ) (Or, after transmission to the affiliated store terminal 140), when receiving a login request signal transmitted from the user terminal 110 (or the affiliated store terminal 140) through the interface unit 121, the user It checks whether the terminal 110 (or the affiliated store terminal 140) is a legitimate terminal (for example, whether the mobile phone number and password are matched, whether or not payment is made), at this time, in the received login request signal. Mobile phone number Check the number (or ID, etc.), password, and user identification information (or merchant identification information), and enter the previously registered mobile phone number and password in response to the confirmed user identification information (or merchant identification information). It is read from the database 130, and compares whether the verified mobile phone number and password match with the read mobile phone number and password, and the verified user terminal 110 (or affiliated store terminal 140). In the case of a legitimate terminal, a member authentication completion signal is generated and transmitted to the user terminal 110 (or the affiliated store terminal 140).

In one embodiment, the member management unit 125 checks through the interface unit 121 when the user terminal 110 (or the affiliated store terminal 140) is connected through the network 150, and the database 130 ) From the main screen information and transmit the read main screen information to the user terminal 110 (or the affiliated store terminal 140) through the interface unit 121.

3 is a diagram illustrating a card payment method capable of setting a payment amount according to an embodiment of the present invention.

Referring to FIG. 3, when a user receives a user-side payment amount for a product or service provided from an affiliated store through an input means, in the user terminal 110, the user-side payment for the user-side payment amount received through the input means. The authorization is requested to the card payment server 120 (S301).

In the above-described step S301 requesting payment approval for the user, when a location sensing means such as a GPS module is provided, the user terminal 110 checks the current user location using a location sensing means, The location may be notified to the card payment server 120.

In the above-described step S301 requesting payment approval on the user side, when the user terminal 110 is a phone such as a mobile phone or a landline phone used by the user, the card payment server 120 uses a phone as an input means. It is possible to request the card payment server 120 to approve the user-side payment for the user-side payment amount through phone authentication with and.

In the above-described step S301 requesting user-side payment approval, the user inputs the user-side payment amount for the product or service through the input means on the main screen of the protect-only app (or protect-only program) and requests user-side payment approval. In this case, the user terminal 110 checks the user-side payment approval request through the corresponding input means, and sends a user-side payment approval request signal (user identification information (or user location) including the user-side payment amount entered through the corresponding input means). Including) can be generated and transmitted to the card payment server 120.

In requesting user-side payment approval in step S301 described above, the user terminal 110 may request the card payment server 120 to transfer the user-side payment amount to a payment-only account.

When a user-side payment approval is requested in step S301 described above, the card payment server 120 receives a user-side payment approval request for the user-side payment amount from the user terminal 110, and user authentication and approval according to the user-side payment approval request. The user-side payment approval is responded to the user terminal 110 by performing, and at the same time, the user-side payment approval for the user-side payment amount is registered in the database 130 (S302).

In responding and registering the user-side payment approval in step S302 described above, when the user terminal 110 is a phone, the card payment server 120 uses the user terminal 110 through phone authentication for the user terminal 110. The user-side payment approval for the user-side payment amount may be requested from.

In responding and registering user-side payment approval in step S302 described above, the card payment server 120 receives the user-side payment approval request signal transmitted from the user terminal 110 and identifies the user in the received user-side payment approval request signal. After performing user authentication and approval as to whether information (or user location) and user-side payment amount can be checked, and whether it is acceptable to approve the confirmed user-side payment amount to the user corresponding to the confirmed user identification information, the user Upon completion of authentication and approval, a user-side payment approval completion signal (which may include a payment approval code) is generated and transmitted to the user terminal 110, and user-side payment approval for the user-side payment amount is transmitted by user identification information. It can be converted into a database and registered in the database 130.

In responding and registering the user-side payment approval in step S302 described above, the card payment server 120 receives a transfer request from the user terminal 110 and transfers the user-side payment amount to a payment-only account, and then the payment approval code Can be created and given to the user terminal 110.

When the user-side payment approval is responded and registered in the above-described step S302, the user terminal 110 receives the user-side payment approval from the card payment server 120 and notifies the user through an output means (S303).

In notifying the user-side payment approval response in step S303 described above, the user terminal 110 receives a user-side payment approval completion signal (which may include a payment approval code) transmitted from the card payment server 120 and receives Payment approval may be displayed through a display means (or voice output through an output means).

When notifying the user-side payment approval response in step S303 described above, when receiving a user-side payment approval completion signal transmitted from the card payment server 120 (that is, upon completion of payment approval), the user terminal 110 displays a screen By switching the approval button on the screen from the inactive state to the active state, it is possible to notify the user of the completion of payment approval on the user side.

In notifying the user-side payment approval response in the above-described step S303, when receiving the user-side payment approval completion signal transmitted from the card payment server 120 (that is, upon completion of payment approval), the user terminal 110 You can enter the payment amount into a protected card, which is a payment card.

In notifying the user-side payment approval response in the above-described step S303, in the case of pressing the approval button in the activated state, the user terminal 110 may input the user-side payment amount into the protected card in a contact or non-contact manner.

In notifying the user-side payment approval response in step S303 described above, in the case of pressing the approval button in the activated state, the user terminal 110 protects the user-side payment amount using one of a magnetic, IC chip, NFC, and Bluetooth. You can enter it on the card.

In notifying the user-side payment approval response in step S303 described above, in the case of contacting the protection-type card, the user terminal 110 inputs a payment authorization code including the user-side payment amount into the protection-type card to make payment at the affiliated store. It is possible to use a protective card at the time.

In notifying the user-side payment approval response in the above-described step S303, the user terminal 110 receives a payment approval code from the card payment server 120 and inputs it into a protected card, so that the protect card is used at the time of payment at the affiliated store. Can be used.

After notifying the user-side payment approval response in the above-described step S303, when the affiliated store receives the payment amount of the affiliated store for the product or service provided to the user through the input means, the affiliated store terminal 140, through the input means. A request is made to the card payment server 120 to approve the merchant-side payment for the received merchant-side payment amount (S304).

In the above-described step S304 requesting payment approval for the affiliated store, when a location sensing means such as a GPS module is provided, the affiliated store terminal 140 checks the current location of the affiliated store by using the location sensing means, The location of the affiliated store may be notified to the card payment server 120.

In the above-described step S304 requesting payment approval for the affiliated store, in the case where the affiliated store terminal 140 is a phone such as a mobile phone or a landline phone used by the affiliated store, using a phone as an input means, the card payment server 120 ) Through the phone authentication with the affiliate store side payment approval for the affiliate store side payment amount to the card payment server 120.

In the above-described step S304 requesting payment approval for the affiliated store, the affiliated store owner enters the payment amount for the product or service through the input means on the main screen of the protect-only app (or protect-only program) and approves the payment for the affiliated store. In the case of requesting, the affiliated store terminal 140 checks the affiliated store's payment approval request through the corresponding input means, and the affiliated store side payment approval request signal including the affiliated store's payment amount input through the corresponding input means (affiliate identification information ( Alternatively, the affiliate store location) may be generated and transmitted to the card payment server 120.

In the above-described step S304 requesting payment approval for the affiliated store, when the affiliated store terminal 140 is one of a communication capable terminal, a mobile communication terminal, a POS terminal, a card payment terminal, etc., a user-side payment contained in a protected card The amount (or payment approval code including the user-side payment amount) may be input in a contact or non-contact manner, and may request payment approval from the affiliated store to the card payment server 120. In this case, the affiliated store terminal 140 may request the affiliated store side payment approval only when the input user-side payment amount and the affiliated store side payment amount are the same.

When the merchant-side payment approval is requested in step S304 described above, the card payment server 120 receives a request for payment approval from the merchant terminal 140 for the merchant-side payment amount, and according to the merchant-side payment approval request. By performing the affiliate store authentication and approval, the affiliate store side payment approval is responded to the affiliate store terminal 140 (S305).

In the case of including a financial institution or a financial settlement institution, etc. in response to the merchant's payment approval in step S305 described above, in the card payment server 120, at the time of authentication and approval of the merchant, the merchant from the merchant terminal 140 The affiliated store authentication and approval may be performed only when the affiliated store's payment amount for the side payment approval request matches the user's payment amount for the user's payment approval request from the user terminal 110.

In responding to the payment approval of the affiliated store in step S305 described above, when the affiliated store is authenticated and approved, the card payment server 120 checks the current location of the user and at the same time, the user location and the location of the affiliated store. As long as is within a preset range, the merchant's payment amount for the merchant's payment approval request from the merchant terminal 140 matches the user's payment amount for the user-side payment approval request from the user terminal 110. Affiliate authentication and approval can only be performed in case.

In response to the payment approval of the affiliated store in step S305 described above, when the affiliated store terminal 140 is a phone, in the card payment server 120, from the affiliated store terminal 140 through phone authentication for the affiliated store terminal 140 You may be asked to approve the merchant's payment for the merchant's payment amount.

In response to the payment approval of the affiliated store in step S305 described above, the card payment server 120 receives the affiliated store-side payment approval request signal transmitted from the affiliated store terminal 140, and the affiliated store in the received affiliated store-side payment approval request signal You can check the identification information (or the location of the affiliated store) and the payment amount on the affiliated store side, and the affiliated store authentication and approval were performed on whether it is acceptable to approve the confirmed payment amount on the affiliated store side to the affiliated store corresponding to the confirmed affiliated store identification information. Later, when the affiliate store authentication and approval are completed, the affiliate store side payment approval completion signal (which may include a payment approval code) is generated and transmitted to the affiliate store terminal 140, and at the same time, the affiliate store side payment for the affiliate store side payment amount. Approval may be made into a database for each affiliated store identification information and registered in the database 130.

In response to the merchant's payment approval in step S305 described above, the merchant terminal 140 receives the merchant's payment approval from the card payment server 120 and notifies the merchant through the output means (S306).

In notifying the merchant-side payment approval response in step S306 described above, the merchant terminal 140 receives the merchant-side payment approval completion signal (which may include a payment approval code) transmitted from the card payment server 120. The affiliated store's payment approval completion may be displayed through a display unit (or a voice output through an output unit).

On the other hand, before requesting the user-side payment approval in step S301 described above, or before requesting the merchant-side payment approval in step S304, the user terminal 110 (or the affiliated store terminal 140) is a terminal used by the user. (For example, in the case of a communication terminal such as a PC, a notebook, or a mobile communication terminal such as a smart phone, a mobile phone, a PDA, etc.), a download request signal is connected to the card payment server 120 through the network 150 Can be generated and transmitted to the card payment server 120. Accordingly, the card payment server 120 receives the download request signal transmitted from the user terminal 110 (or the affiliated store terminal 140), and stores a protect-only app (or a protect-only program) from the database 130. It is possible to read and transmit the read protection-only app to the user terminal 110 (or the affiliated store terminal 140). Then, the user terminal 110 (or the affiliated store terminal 140) may download a protect-only app (or a protect-only program) transmitted from the card payment server 120 and install it in the internal memory.

When the user terminal 110 (or the affiliated store terminal 140) is equipped with a protect-only app (or a protect-only program), when the protect-only app (or, a protect-only program) is executed, the user terminal 110 (or, the affiliated store terminal 140) connects to the card payment server 120 through the network 150 and displays the main screen through a display means such as an LCD, a touch screen, or the like, or It can be output through an output means such as a speaker or a printer. At this time, the card payment server 120, when the user terminal 110 (or the affiliated store terminal 140) is connected through the network 150, checks this, and reads the main screen information from the database 130 The read main screen information may be transmitted to the user terminal 110 (or the affiliated store terminal 140). Accordingly, the user terminal 110 (or the affiliated store terminal 140) receives main screen information transmitted from the card payment server 120 when accessing the card payment server 120 through the network 150 In response, the main screen may be displayed through the display unit (or audio output through the output unit).

When a user (or affiliate store owner) selects a member registration item from the selection items on the main screen through input means such as a keypad, a touch pad (especially, a touch screen), the user terminal 110 (or the affiliate store terminal ( 140)), by checking this, generates a membership selection signal (including user identification information (or affiliated store identification information)) to inform the selected member registration item and transmits it to the card payment server 120. have. Then, the card payment server 120 receives the member subscription selection signal transmitted from the user terminal 110 (or the affiliated store terminal 140), and user identification information (or affiliated store identification) from the received member subscription selection signal. Information), read the member registration screen information corresponding to the confirmed user identification information (or affiliated store identification information) from the database 130, and read the read member registration screen information into the user terminal 110 (or, It can be transmitted to the affiliated store terminal 140. Accordingly, the user terminal 110 (or the affiliated store terminal 140) receives the member registration screen information transmitted from the card payment server 120, and displays the member registration screen through the display means (or output means). Voice output), and when the user enters his/her own information (i.e., user information) in the input field of the member registration screen through the input means and selects to sign up for membership, it is confirmed and A membership subscription request signal including user information (including user identification information) may be generated and transmitted to the card payment server 120. In addition, the card payment server 120 receives the member subscription request signal transmitted from the user terminal 110 (or the affiliate store terminal 140), and receives user information (or affiliate store information) in the received member subscription request signal. User identification information (or merchant identification information) is checked, and the confirmed user information (or merchant identification information) is converted into a database for each of the identified user identification information (or merchant identification information) and registered in the database 130. After that, the membership registration completion signal may be generated and transmitted to the user terminal 110 (or the affiliated store terminal 140). Then, the user terminal 110 (or the affiliated store terminal 140) receives the membership registration completion signal transmitted from the card payment server 120, and displays (or outputs) the membership registration completion through the display means. Voice output through means).

When a user (or affiliate store owner) selects a login item from the selection items on the main screen through an input means, the user terminal 110 (or affiliate store terminal 140) checks this and selects the selected login item. A login selection signal (including user identification information (or affiliated store identification information)) for informing may be generated and transmitted to the card payment server 120. Accordingly, the card payment server 120 receives the login selection signal transmitted from the user terminal 110 (or the affiliated store terminal 140) and user identification information (or affiliated store identification information) from the received login selection signal. And read the login screen information corresponding to the verified user identification information (or affiliated store identification information) from the database 130, and read the read login screen information into the user terminal 110 (or affiliated store terminal 140). )). Then, the user terminal 110 (or the affiliated store terminal 140) receives the log-in screen information transmitted from the card payment server 120, and displays the log-in screen through the display means (or voice through the output means). If the user enters the mobile phone number (or ID or user identification information, etc.) and password in the input box of the login screen through the input means and selects to log in, confirm this and A login request signal (including user identification information) including a mobile phone number (or ID or affiliated store identification information, etc.) and password may be generated and transmitted to the card payment server 120. Accordingly, the card payment server 120 receives the login request signal transmitted from the user terminal 110 (or the affiliated store terminal 140), and the user terminal 110 (or the affiliated store terminal 140) is It checks whether it is a terminal (e.g., whether the mobile phone number and password are matched, whether payment is made, etc.), at this time, the mobile phone number (or ID, etc.), password and user identification information in the received login request signal. (Or, merchant identification information) is checked, and the mobile phone number and password previously registered in response to the confirmed user identification information (or merchant identification information) are read from the database 130, and the corresponding verified mobile phone It compares whether the number and password and the read mobile phone number and password match each other, and generates a member authentication completion signal when the corresponding verified user terminal 110 (or affiliated store terminal 140) is a legitimate terminal. It can be transmitted to the user terminal 110 (or the affiliated store terminal 140). In addition, the user terminal 110 (or the affiliated store terminal 140) receives the member authentication completion signal transmitted from the card payment server 120, and displays the member authentication completion through a display unit (or through an output unit). Audio output).

As an effect of the present invention, by providing a card payment system, a server, and a method capable of setting a payment amount implemented so that payment can be made using a card capable of setting a payment amount when paying for a product or service as described above, the user This means that payment tools containing important information, such as personal information, will not be handed over or exposed to others when performing payment for goods or services. In addition, according to the present invention, only the payment authorization code including the user's payment amount is input, and the user's personal information is not recorded, and can be safely paid by handing it to another person using only a protected card. It has the effect of preventing theft and hacking of important information such as information or payment tools.

As described above, embodiments of the present invention are not implemented only through the above-described apparatus and/or operation method, but through a program for realizing a function corresponding to the configuration of the embodiment of the present invention, a recording medium on which the program is recorded, etc. It may be implemented, and such implementation can be easily implemented by an expert in the technical field to which the present invention belongs from the description of the above-described embodiment. Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements by those skilled in the art using the basic concept of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

100: card payment system that allows setting the payment amount
110: user terminal
120: card payment server
121: interface unit
122: User payment approval department
123: Affiliate payment approval department
124: download management unit
125: Membership Management Department
130: database
140: affiliated store terminal
150: network

Claims (6)

After receiving the user's payment amount from the user through the input method, confirming the user's payment approval request, generating a user-side payment approval request signal including the user-side payment amount entered through the corresponding input method, sending it to the card payment server, and making a request, and then paying the user side. A user terminal receiving approval from the card payment server and notifying the user through an output means;
An affiliated store terminal receiving a payment amount from the affiliated store through an input means and requesting payment approval from the affiliated store, receiving a response from the affiliated store's payment approval, and notifying the affiliated store through an output means;
Receiving a request for user-side payment approval for the user-side payment amount from the user terminal, performing user authentication and approval, responding to the user-side payment approval to the user terminal, and registering the user-side payment approval for the user-side payment amount, and the affiliated store A card payment server for receiving a request for approval of payment by the affiliated store for the payment amount of the affiliated store from the terminal, performing affiliated store authentication and approval, and responding to the affiliated store's payment approval to the affiliated store terminal;
A database for dividing user-side payment approval for the user-side payment amount registered from the card payment server into a database for storage;
When the user-side payment approval is completed, the user-side payment amount is inputted from the user terminal, and is a safe payment method that allows the affiliated store terminal to approve and use payment only for the received user-side payment amount. A card payment system capable of setting a payment amount, comprising: a protected card, which is a payment-only card in which the user's personal information is not recorded.
delete delete The method of claim 1, wherein the protective card,
Card payment system capable of setting a payment amount, characterized in that it is a contact payment method or a non-contact payment method using NFC or Bluetooth. delete delete

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