KR102244358B1 - Method for paying with IC card - Google Patents

Abstract

The present invention relates to a payment method for an IC card, and more specifically, when there is bank account information linked to an IC card held by a consumer, cash payment information including bank account information is generated, and cash IC payment is first performed. If cash IC payment is not possible, payment can be easily performed while inducing cash IC payment by performing a credit card payment, and if the consumer's IC card is rejected by the cash payment server, the previously entered payment details are included. The present invention relates to a payment method for an IC card in which credit payment information including credit card information of an IC card is automatically generated to perform credit payment, so that even when cash IC payment is impossible, credit payment is possible.

Description

IC card payment method {Method for paying with IC card}

The present invention relates to a payment method for an IC card, and more specifically, when there is bank account information linked to an IC card held by a consumer, cash payment information including bank account information is generated, and cash IC payment is first performed. If cash IC payment is not possible, payment can be easily performed while inducing cash IC payment by performing a credit card payment, and if the consumer's IC card is rejected by the cash payment server, the previously entered payment details are included. The present invention relates to a payment method for an IC card in which credit payment information including credit card information of an IC card is automatically generated to perform credit payment, so that even when cash IC payment is impossible, credit payment is possible.

The Financial Supervisory Service announced that transactions such as cash withdrawals and card loans are restricted with magnetic (MS) credit cards at all domestic ATMs. Therefore, in the future, all automatic teller machines (ATMs) in Korea will be able to withdraw cash or receive loans only with a card with an integrated circuit (IC) chip.

Cash IC card payment service is a service that uses an IC card with a cash deposit and withdrawal function as a payment method. This service has a strong security advantage because payment approval is completed only when the customer enters a password and contains bank account information on an IC chip that cannot be duplicated or hacked.

The cash IC card contains bank account information, so it can be used as a payment method like a conventional debit card, but it can reduce the 2% card fee applied when paying by credit card to less than 1%, thereby reducing the card fee borne by the merchant. In addition, it is possible to receive the next day's payment from the bank, thereby increasing the turnover of funds.

In addition, the security is high for users because they have higher income deductions than credit cards, personal information leakage prevention, card duplication prevention, and payment approval only when the customer directly enters a password instead of a signature. Moreover, merchants have the advantage of increasing convenience and lowering the operating cost of the payment system as there is no need to receive and verify the customer's signature for identity verification, such as by credit card or debit card, when paying with a cash IC card, and there is no need to store or submit sales slips. .

According to the Bank of Korea Economic Statistical System, as of June 2015, the amount of cash IC payments used was 10.2 billion won, and 122300 cases were counted based on the number of cases. Although the amount and number of use is increasing at 52% and 50% compared to the same period of the previous year, respectively, out of the check card use amount of 30,3672 billion won in the first quarter of 2016 (January to March), the cash IC payment amount used to be 36 billion won, 0.12%, is still full check The share of cash IC payments in the total amount of card payments is insignificant.

The reason for the insignificant amount and number of cash IC payments is that payments using credit cards and debit cards are performed through a credit card company, whereas payments using cash IC cards are made through the KFTC. This is because credit card companies are reluctant to pay with cash IC, while banks with strong conservative tendencies are not actively promoting the newly introduced cash IC payment.

However, the larger reason for the insignificant use of cash IC payments is that in general, cash IC cards and debit cards, or hybrid IC cards in which cash IC cards, debit cards and credit cards are mixed in one card, are spreading. Does not have a cash IC payment system and does not select cash IC payment according to the user's choice when issuing the card, so some financial companies' IC cards cannot pay with cash IC or some hybrid IC cards cannot pay with cash IC. to be.

When performing a cash IC payment through an IC card presented by a consumer at an affiliated store, if a payment impossible message is received from the KFTC server, the consumer notifies the consumer that the cash IC payment is impossible, and then the consumer requests payment with a credit card IC After the card is removed from the payment terminal, it is inserted into the payment terminal again to perform credit payment.

Therefore, from the point of view of consumers and affiliates, cash IC payment is advantageous and attempts to perform cash IC payment, but it is not possible to know whether cash IC payment is possible at the affiliated store with the consumer's IC card, and when cash IC payment is not possible with an IC card, the IC card There is an inconvenience of performing a credit card payment by re-entering payment details such as a payment fee after removing an IC card from the payment terminal and inserting the IC card into the payment terminal again.

There is not much disagreement that cash IC payment is a good service that benefits both consumers and affiliates, but the present invention is to solve the problems of the conventional IC card payment terminal described above, and the object of the present invention is to achieve the consumer When there is bank account information linked to the IC card possessed by the IC card, cash payment information with bank account information is generated, and cash IC payment is performed first, and when cash IC payment is not possible, payment of an IC card that performs credit card payment Is to provide a way.

Another object of the present invention is an IC card payment method that automatically performs credit payment by generating credit payment information including the credit card information of the IC card when the consumer's IC card is rejected by the cash payment server. Is to provide.

Another object of the present invention is to compare the IC card information with the list of impossible cash IC payments when there is bank account information linked to the IC card, and if the IC card information does not match the list of impossible cash IC payments, the bank account It is to provide an IC card payment method for generating cash payment information including information and performing cash IC payment first.

In order to achieve the object of the present invention, an IC card payment method according to the present invention includes the steps of reading IC card information from the IC card and determining whether bank account information linked to the IC card exists among the read IC card information. Wow, if there is bank account information linked to the IC card, generating cash payment information including bank account information and transmitting the generated cash payment information to the cash payment server, and responding to the cash payment information from the cash payment server And receiving a payment response message.

Preferably, the IC card payment method according to the present invention When there is no bank account information linked to the IC card, credit payment information including credit card information is generated among the IC card information, and the generated credit payment information is credited. It is characterized in that it is transmitted to the server.

In the payment method for an IC card according to the present invention, when a cash IC payment is completed with an IC card in the cash payment server, the payment response message received from the cash payment server is a cash payment completion message.

Preferably, in the payment method of the IC card according to the present invention, when the cash payment server cannot pay with the IC card in cash, the payment response message received from the cash payment server is a cash payment impossible message, and a cash payment impossible message from the cash settlement server When receiving the IC card information, generating credit payment information including credit card information and transmitting the generated credit payment information to a credit payment server.

Preferably, the payment method for an IC card according to the present invention further comprises the step of extracting credit card information from the read IC card information when receiving a cash payment impossible message from the cash payment server, and credit payment from the extracted credit card information. It is characterized by generating information.

Preferably, the payment method for an IC card according to the present invention is characterized in that it further comprises the step of receiving a credit payment completion message from the credit payment server in response to the credit payment information.

Preferably, the payment method for an IC card according to the present invention includes a payment mode in which payment is completed according to the type of the received cash payment completion message or credit payment completion message when receiving a cash payment completion message or a credit payment completion message. It characterized in that it further comprises the step of generating the completion information, and outputting the payment completion information to the user.

Here, the cash settlement server is characterized in that the KFTC server or a bank server of a bank linked to an IC card.

Here, the credit settlement server is characterized in that it is a credit settlement agency server or a credit card company server.

Preferably, in the IC card payment method according to the present invention, if there is bank account information linked to the IC card among the read IC card information, among the IC card information, the bank code information of the IC card issuance bank Comprising the step of comparing with the code information, the IC card issuing bank code information of the IC card and the bank code information of the impossible list are inconsistent with each other, generating cash payment information including bank account information, and the generated cash It characterized in that the payment information is transmitted to the cash payment server.

The IC card payment method according to the present invention has the following effects.

First, the IC payment method according to the present invention generates cash payment information including bank account information when there is bank account information linked to an IC card held by a consumer, and performs cash IC payment first, and cash IC payment is impossible. In this case, by performing a credit card payment, it is possible to easily perform the payment while inducing a cash IC payment.

Second, the IC payment method according to the present invention automatically generates credit payment information including the credit card information of the IC card, including the previously entered payment details, when the consumer's IC card is rejected by the cash payment server. By performing the payment, even when cash IC payment is impossible, credit payment is possible easily.

Third, the IC payment method according to the present invention compares the list of impossible cash IC payments with the IC card information when there is bank account information linked to the IC card, and when the IC card information matches the list of impossible cash IC payments, credit payment. By performing, it is possible to reduce the load on the cash settlement server by first determining whether or not cash IC settlement is possible.

1 is a diagram illustrating a credit payment mode and a cash payment mode according to the present invention.
2 is a diagram illustrating a payment system for an IC card according to an embodiment of the present invention.
3 is a functional block diagram illustrating a payment terminal for an IC card according to an embodiment of the present invention.
4 is a flowchart illustrating a payment method for an IC card according to an embodiment of the present invention.
5 is a flowchart illustrating a payment method for an IC card according to another embodiment of the present invention.
6 is a diagram illustrating an example of payment completion information output to a payment terminal.

It should be noted that the technical terms used in the present invention are only used to describe specific embodiments, and are not intended to limit the present invention. In addition, the technical terms used in the present invention should be interpreted as generally understood by those of ordinary skill in the technical field to which the present invention belongs, unless otherwise defined in the present invention, and is excessively comprehensive. It should not be construed as a human meaning or an excessively reduced meaning. In addition, when a technical term used in the present invention is an incorrect technical term that does not accurately express the spirit of the present invention, it should be replaced with a technical term that can be correctly understood by those skilled in the art.

In addition, the singular expression used in the present invention includes a plurality of expressions unless the context clearly indicates otherwise. In the present invention, terms such as “consisting of” or “comprising” should not be construed as necessarily including all of the various elements or various steps described in the invention, and some of the elements or some steps are included. It should be interpreted that it may not be, or may further include additional components or steps.

In addition, it should be noted that the accompanying drawings are only for easily understanding the spirit of the present invention and should not be construed as limiting the spirit of the present invention by the accompanying drawings.

Hereinafter, a payment method for an IC card according to the present invention will be described in more detail with reference to the accompanying drawings.

1 is a diagram illustrating a credit payment mode and a cash payment mode according to the present invention.

FIG. 1(a) is a diagram for explaining a credit payment mode. Looking more specifically with reference to FIG. 1(a), the payment terminal 10 is connected to the credit payment server 30 through the network 20 have. Here, the payment terminal 10 is a device that reads the IC card presented by the user to perform payment, and the credit payment server 30 is a credit card number received from the payment terminal 10 through the network 20, and the expiration date. It means a server that performs credit payment based on credit payment information such as. Preferably, the payment terminal 10 reads credit payment information from the inserted IC card, and stores payment details such as the input payment amount and installment months together with the credit payment information through the credit payment server 30 through the network 20. To send.

Here, as the network 20, various types of wired or wireless networks capable of transmitting and receiving data between the payment terminal 10 and the credit payment server 30 may be used.

Meanwhile, the credit payment server 30 may include a value-added network (VAN) server and a credit card company server that relays payment of a credit card, using the credit payment information and payment details received from the payment terminal 10. To approve the credit card payment.

In this way, the payment process of approving payment from the credit payment server 30 using the credit payment information read from the user's IC card is referred to as a credit payment process, and a payment mode in which payment of the IC card is performed through the credit payment process. Is referred to as a credit payment mode.

FIG. 1(b) is a diagram for explaining a cash settlement mode, and referring to FIG. 1(b), the payment terminal 10 is connected to the cash settlement server 50 through the network 20. Here, the payment terminal 10 is a device that reads cash payment information from an IC card presented by the user to perform payment, and the cash payment server 50 is a bank account received from the payment terminal 10 through the network 20 It refers to a server that performs a cash IC payment based on information and cash payment information such as an issuing bank code of an IC card. Preferably, the payment terminal 10 reads cash payment information from the inserted IC card and transmits payment details such as the input payment amount to the cash payment server 50 through the network 20.

Here, as the network 20, various types of wired or wireless networks capable of transmitting and receiving data between the payment terminal 10 and the cash payment server 50 may be used.

Here, the cash payment server 50 may include a KFTC server or a bank company server, and the payment amount from the user's bank account linked to the IC card using the cash payment information and payment details received from the payment terminal 10 Approve the cash payment.

In this way, the payment process of approving payment in the cash payment server 50 using the cash payment information read from the user's IC card is referred to as a cash payment process, and a payment mode in which payment of the IC card is performed through the cash payment process. Is referred to as a cash payment mode.

Usually, credit cards and debit cards are paid through the credit payment process, and cash IC cards are paid through the cash payment process. Recently, credit cards, debit cards, and cash IC cards are integrated into one card. IC cards are issued. Credit card information such as credit card number, expiration date, issuing card company code, and credit card type code are stored in the data field of the IC chip attached to the IC card, or the user's bank account linked to the IC card, the issuing financial company code, and issuance Check card information, such as a card company code and a check card type code, is stored. Here, credit card information or debit card information is used as credit payment information. Meanwhile, the data field of the IC chip stores cash payment information such as the user's bank account linked to the IC card, the issuing financial company code, and the cash IC card type code.

Here, the cash settlement server 50 is a server that performs IC cash settlement from the cash settlement information received from the IC card, and hereinafter, the server that performs this function is collectively referred to as a cash settlement server.

2 is a diagram illustrating a payment system for an IC card according to an embodiment of the present invention.

Referring to FIG. 2, the payment terminal 100 is connected to the credit payment server 30 and the cash payment server 50 through a network 20. Here, the payment terminal 100 refers to a terminal that is disposed at an affiliated store and inserts an IC card presented by a consumer to make a payment according to a credit payment process or to perform a payment according to a cash payment process.

When the IC card is inserted into the payment terminal 100, the payment terminal 100 reads the IC card and reads the IC card information. Among the read IC card information, whether there is bank account information linked to the issued IC card. Depending on whether or not, payment is made through a cash payment process or a credit payment process. That is, if there is bank account information linked to the issued IC card among the read IC card information, first, the cash payment information and payment details are transmitted to the cash payment server 30 to proceed with the payment in a cash payment process. If cash payment is not possible in the payment server 30, credit payment information such as credit card number, credit card company code, and expiration date among the read IC card information is transmitted to the credit payment server 50 along with the payment details to the credit payment process. Make payment.

Preferably, the payment terminal 100 is provided with an impossible list DB, and the payment terminal 100 compares the cash payment information with the impossible list DB from the previously read IC card information, and the cash payment information of the IC card and the impossible list DB Only if they do not match each other, the payment proceeds with the cash settlement process first. However, if the cash payment information of the IC card and the impossible list DB match each other, the payment is made through a credit payment process.

The impossible list DB stores information on bank codes for which cash IC payment is not possible, bank codes that do not have a cash IC payment system, and card serial numbers issued by banks where cash IC payment is not possible. If the bank code or card serial number of is not matched with the bank code or card serial number of the list DB, the corresponding IC card may be judged as impossible for cash IC payment, and the read bank code or card serial number is impossible. If there is a discrepancy with the bank code or card serial number, it is determined that cash IC payment is possible with the corresponding IC card. Depending on the field to which the present invention is applied, various types of inquiry information may be used in addition to the bank code or card serial number to determine whether a cash IC transaction is possible, and this is within the scope of the present invention.

When the payment is completed, the credit payment server 30 or the cash payment server 50 transmits a credit payment completion message or a cash payment completion message to the payment terminal 100. The payment terminal 100 transmits a credit payment completion message or cash Payment completion information including a payment mode in which payment has been completed is generated based on the payment completion message received among the payment completion messages, and the generated payment completion information is output. Through this, the consumer or the affiliated store can check whether the corresponding IC card has been paid in a cash payment mode or a credit payment mode.

3 is a functional block diagram illustrating a payment terminal for an IC card according to an embodiment of the present invention.

Referring to FIG. 3 in more detail, the payment control unit 110 reads the IC card information through the reader 120 when the IC card is inserted into the payment terminal or the IC card is present in the reading position of the payment terminal. Control.

The payment control unit 110 receives the IC card information read by the reading unit 120 and provides the received IC card information to the account inquiry unit 130.

The account inquiry unit 130 determines whether bank account information linked to the IC card exists among the IC card information. Preferably, when there is bank account information linked to the IC card, the account inquiry unit 130 determines whether the bank account information existing in the impossible list DB and the linked bank account information of the IC card match each other.

The payment control unit 110 includes information on whether the bank account information linked to the IC card exists from the account inquiry unit 130 or whether the linked bank account information linked to the IC card matches the bank account information of the impossible list DB. Is received, and based on this, it is determined whether to proceed with the payment in the cash payment mode or the credit payment mode.

More specifically, in one embodiment, when there is bank account information linked to an IC card, the payment control unit 110 first generates cash payment information in the cash payment unit 150 to proceed with the payment in the cash payment mode. Control to do it. In another embodiment, when the bank account information linked to the IC card exists and the linked bank account information of the IC card does not match the bank account information of the impossible list DB, the payment control unit 110 first makes the payment in the cash payment mode. In order to proceed, the cash payment unit 150 controls to generate cash payment information. The cash payment unit 150 generates cash payment information including bank account information under the control of the payment control unit 110 and provides the generated cash payment information to the payment control unit 110.

The payment control unit 110 transmits the cash payment information to the cash payment server through the transmission/reception unit 160. When transmitting the cash settlement information to the cash settlement server, the settlement control unit 110 receives a settlement response message from the cash settlement server through the transmission/reception unit 160.

When the payment response message is a cash payment completion message, the payment control unit 110 generates payment completion information indicating that payment has been completed in a cash payment mode, and outputs the generated payment completion information to the output unit 170.

However, when the payment response message is a message that cannot be settled in cash, or when payment is not possible in cash payment mode (i.e., the bank account information linked to the IC card does not exist, or the bank account information linked to the IC card is not possible, the bank account of the list DB Information), the payment control unit 110 includes information on the credit card number, expiration date, credit card company, etc., among the read IC card information, and the amount of payment input through the user interface unit (not shown), and the installment period. The payment details are provided to the credit payment unit 190 to control to generate credit payment information. The credit payment unit 190 generates credit payment information including a credit card number, expiration date, and credit card company under the control of the payment control unit 110, and provides the generated credit payment information to the payment control unit 110. .

The payment control unit 110 transmits the credit payment information to the credit payment server through the transmission/reception unit 160. When transmitting the credit payment information to the credit payment server, the payment control unit 110 receives a payment response message from the credit payment server through the transmission/reception unit 160.

When the payment response message is a credit payment completion message, the payment control unit 110 generates payment completion information indicating that payment has been completed in the credit payment mode, and outputs the generated payment completion information to the output unit 170.

Preferably, the information on the payment details is temporarily stored in the payment control unit 110 until payment is completed in cash payment mode or payment is completed in credit payment mode, and is immediately deleted when payment is completed in cash payment mode. If the payment is not completed in the cash payment mode, it is temporarily stored until the payment is completed in the credit payment mode, thereby reducing the inconvenience of repeatedly entering the payment details by the affiliated store or the consumer.

4 is a flowchart illustrating a payment method for an IC card according to an embodiment of the present invention.

Referring to FIG. 4 in more detail, when the IC card is inserted into the payment terminal, IC card information is read (S110).

Among the read IC card information, it is determined whether there is bank account information linked to the IC card (S120). If there is bank account information linked to the IC card, cash generated by generating cash payment information including bank account information By transmitting the payment information to the cash payment server, first, a cash IC payment is performed in a cash payment process (S130).

When receiving the payment response message in response to the cash payment information from the cash payment server, it is determined whether the payment response message is a cash payment completion message (S140).

When the payment response message is a cash payment completion message, payment completion information indicating that payment has been completed in a cash payment mode is generated, and the generated payment completion information is output to the display unit (S150).

However, if there is no bank account information linked to the IC card among the read IC card information, or if the payment response message received from the cash payment server in response to the cash payment information is a non-cash payment message, credit card number, credit card company, Credit payment information including an expiration date is generated, and the generated credit payment information is transmitted to the credit payment servo to perform credit payment through a credit payment process (S170). Preferably, the credit payment information is input through a user interface unit when generating the cash payment information and is generated using a temporarily stored payment cost, an installment period, and the like.

When receiving the payment response message in response to the credit payment information from the credit payment server, it is determined whether the payment response message is a credit payment completion message (S190).

When the payment response message is a credit payment completion message, payment completion information indicating that payment has been completed in the credit payment mode is generated, and the generated payment completion information is output to the display unit (S150).

5 is a flowchart illustrating a payment method for an IC card according to another embodiment of the present invention.

Referring to FIG. 5 in more detail, when the IC card is inserted into the payment terminal, IC card information is read (S210).

Among the read IC card information, it is determined whether there is bank account information linked to the IC card (S120). If there is bank account information linked to the IC card, the bank account information of the IC card and the bank account information stored in the impossible list DB It is determined whether the bank account information linked to the IC card matches the bank account information stored in the impossible list DB (S230).

If there is bank account information linked to the IC card and at the same time the bank account information linked to the IC card does not match the bank account information stored in the Impossible List DB, cash generated by generating cash payment information with bank account information By transmitting the payment information to the cash payment server, first, cash IC payment is performed in a cash payment process (S240).

When receiving the payment response message in response to the cash payment information from the cash payment server, it is determined whether the payment response message is a cash payment completion message (S250).

When the payment response message is a cash payment completion message, payment completion information indicating that payment has been completed in a cash payment mode is generated, and the generated payment completion information is output to the display unit (S260).

However, if the bank account information linked to the IC card does not exist among the read IC card information, the bank account information linked to the IC card matches the bank account information in the Impossible List DB, or cash payment in response to the cash payment information. If the payment response message received from the server is a non-cash payment message, credit payment information including a credit card number, credit card company, and expiration date is generated, and the generated credit payment information is sent to the credit payment servo for the credit payment process. Credit payment is performed (S270). Preferably, the credit payment information is input through a user interface unit when generating the cash payment information and is generated using a temporarily stored payment cost, an installment period, and the like.

When receiving the payment response message in response to the credit payment information from the credit payment server, it is determined whether the payment response message is a credit payment completion message (S290).

When the payment response message is a credit payment completion message, payment completion information indicating that payment has been completed in a credit payment mode is generated, and the generated payment completion information is output to the display unit (S250).

6 is a diagram illustrating an example of payment completion information output to a payment terminal.

As shown in Fig. 6(a), when the cash IC payment is completed in the cash settlement process, payment completion information indicating that the payment is completed in the cash settlement mode is output, and as shown in Fig. 6(b), the credit When credit payment is completed in the payment process, payment completion information indicating that payment has been completed in the credit payment mode is output.

Meanwhile, the above-described embodiments of the present invention can be written as a program that can be executed on a computer, and can be implemented in a general-purpose digital computer that operates the program using a computer-readable recording medium.

The computer-readable recording medium includes a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), an optical reading medium (e.g., CD-ROM, DVD, etc.), and a carrier wave (e.g., Internet). Transmission).

The present invention has been described with reference to the embodiments shown in the drawings, but these are merely exemplary, and those of ordinary skill in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be determined by the technical idea of the attached registration claims.

10, 100: payment terminal 20: network
30: credit settlement server 50: cash settlement server
110: payment control unit 120: reading unit
130: account inquiry unit 140: impossible list DB
150: cash payment unit 170: output unit
190: credit payment

Claims (13)

delete delete delete delete delete delete delete delete delete delete In the method of performing the payment of the IC card in the payment terminal of the IC card,
Reading IC card information from the IC card;
Comparing the information of the issuing bank code of the IC card among the read IC card information with the previously stored bank code information of the cash payment impossible list;
Generating cash payment information and transmitting the generated cash payment information to a cash payment server when the issuing bank code information of the IC card and the bank code information of the impossible list are inconsistent with each other; And
Receiving a payment response message in response to the cash payment information from the cash payment server,
When the cash payment server cannot pay with the IC card, the payment response message received from the cash payment server is a cash payment impossible message,
When receiving a cash payment impossible message from the cash payment server, credit payment information including credit card information is generated among automatically read IC card information, and the generated credit payment information is transmitted to the credit payment server,
When cash IC payment is impossible, the read IC card information is stored until credit payment is completed.
The method of claim 11, wherein the IC card payment method
When the issuing bank code information of the IC card and the bank code information of the impossible list are inconsistent with each other, determining whether there is bank account information linked to the IC card,
When the issuing bank code information of the IC card and the bank code information of the impossible list are inconsistent with each other and at the same time there is bank account information linked to the IC card, cash payment information including the bank account information is generated and the generated cash payment An IC card payment method, characterized in that transmitting information to a cash payment server. The method of claim 12, wherein the IC card payment method
When the issuing bank code information of the IC card and the bank code information of the impossible list coincide with each other, or when there is no bank account information linked to the IC card, credit payment information including credit card information is generated among the IC card information. And sending the generated credit payment information to a credit payment server.

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