KR102468377B1 - Online payment method using alternative credit card number - Google Patents

Abstract

According to an embodiment, the present invention is to prevent leakage of credit card information and/or member information by using a disposable credit card number, when using the online payment method utilizing an alternative credit card number. The online payment method of the present invention may include: a step of requesting issuance of a disposable credit card number and providing a code of a member store for online payment of the disposable credit card number to be issued to a card company server; a step of issuing the disposable credit card number to a customer terminal; a step of requesting payment approval to the card company server if the payment amount falls within the payment approval limit range, when the customer terminal requests purchase payment; and processing the purchase payment of the customer terminal upon receipt of a feedback message for the payment approval request, and then requesting the disposable credit card payment for the corresponding customer to the corresponding credit card company server.

Description

Online payment method using alternative credit card number}

The present invention relates to an online payment method using an alternative credit card number.

Conventionally, if you want to pay for goods or services using a credit card, offline merchants present your credit card to the merchant's terminal, and online shopping malls pay by entering personal authentication information including a credit card number.

However, in the case of such a conventional method, the user must always have a credit card, and furthermore, there is a risk that credit card information and the like may be leaked when online.

Registered Patent No. 10-0802760 (Title of Invention: Credit card payment approval processing method and system and payment approval processing server and recording medium for it)

An object of the present invention is to provide an online payment method using an alternative credit card number that can solve the conventional problems.

An online payment method using an alternative credit card number according to an embodiment of the present invention for solving the above problems replaces credit card or membership card information registered in the payment platform when making online payment using a payment platform in a customer terminal. requesting issuance of a disposable credit card number to be issued and providing a code of an affiliated store for online payment of the disposable credit card number to be issued to a card company server; After verifying the validity of the credit card or membership card registered in the customer terminal in the card company server and whether or not to issue a disposable credit card, issuing the disposable credit card number to the customer terminal if it is confirmed as a subject to be issued; When the customer terminal connects to the payment web server of the online merchant and requests purchase payment using the disposable credit card number, the payment web server sets the customer's payment approval limit to the card company server that issued the disposable credit card number After inquiry, if the payment amount falls within the payment approval limit range, requesting payment approval to the card company server; and requesting a one-time credit card payment for the customer to the corresponding credit card company server after processing the purchase payment of the customer terminal when the feedback message for the payment approval request is received from the card company server. Membership and credit card card payment platform includes a card information register for registering and storing credit card information or membership card card holder account information (Cardholder Account Information), and card holder information (Cardholder Information); an affiliated store code registration unit for receiving and registering an affiliated store code of a credit card or membership affiliated store from at least one card company; After registering the payment password of the credit card or membership card input from the customer terminal, a payment password registration and determination unit for comparing and determining the payment password input from the customer terminal and the registered payment password; A verification and issuance request unit for requesting verification of the validity (card number and card password) of the corresponding credit card or membership card to the corresponding card company server and requesting issuance of a disposable credit card, wherein the card company server registers If the card is a membership card, a one-time credit card number having a limit corresponding to the point conversion amount of the membership card is provided to the customer terminal, and the point conversion amount is converted into cash at different points according to the grade of the membership card. It is calculated according to the conversion rate and is converted for points exceeding a preset point, and when the customer terminal requests issuance of the disposable credit card number, the cardholder account information (Cardholder Further comprising providing a one-time credit card number approval request encryption text including Account Information and Cardholder Information to the card company server, wherein the payment platform is capable of issuing the disposable credit card number. It is characterized in that the card company or membership card company information and the point-to-cash conversion ratio for each registered membership card company are displayed to the user.

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Therefore, using the online payment method using an alternative credit card number according to an embodiment of the present invention has the advantage of preventing leakage of credit card information and/or member information by using a disposable credit card number. .

In addition, it is possible to actively utilize membership points that automatically expire without knowing or knowing by issuing and using a one-time use credit card number with a limit range of converting membership card points into cash even for users with limited credit card issuance, such as students. provides an advantage

1 is a flowchart of an online payment method using an alternative credit card number according to an embodiment of the present invention.
FIG. 2 is a network configuration diagram of an online payment system for performing an online payment method using an alternative credit card number shown in FIG. 1. Referring to FIG.
3 is a detailed configuration diagram of the payment platform presented herein.
FIG. 4 is a detailed configuration diagram of the card company server shown in FIG. 2. (a) is a detailed configuration diagram of the credit card company server, and (b) is a detailed configuration diagram of the card company server that converts membership points into cash and pays the user. to be.
5 is a diagram of an example computing environment in which one or more embodiments set forth herein may be implemented.

Hereinafter, various embodiments of the present specification will be described with reference to the accompanying drawings. However, it should be understood that the technology described herein is not limited to specific embodiments, and includes various modifications, equivalents, and/or alternatives of the embodiments herein. . In connection with the description of the drawings, like reference numerals may be used for like elements. In this specification, expressions such as “has,” “can have,” “includes,” or “can include” indicate the existence of a corresponding feature (eg, numerical value, function, operation, or component such as a part). , which does not preclude the existence of additional features.

In this specification, expressions such as “A or B,” “at least one of A and/and B,” or “one or more of A or/and B” may include all possible combinations of the items listed together. . For example, “A or B,” “at least one of A and B,” or “at least one of A or B” (1) includes at least one A, (2) includes at least one B, Or (3) may refer to all cases including at least one A and at least one B.

Expressions such as "first," "second," "first," or "second," as used herein, may modify various elements regardless of order and/or importance, and may refer to one element as It is used only to distinguish it from other components and does not limit the corresponding components. For example, a first user device and a second user device may represent different user devices regardless of order or importance. For example, a first element may be termed a second element without departing from the scope of rights described herein, and similarly, the second element may also be renamed to the first element.

A component (e.g., a first component) is "(operatively or communicatively) coupled with/to" another component (e.g., a second component); When referred to as "connected to", it should be understood that the certain component may be directly connected to the other component or connected through another component (eg, a third component). On the other hand, when an element (eg, a first element) is referred to as being “directly connected” or “directly connected” to another element (eg, a second element), the element and the above It may be understood that other components (eg, a third component) do not exist between the other components.

As used herein, the expression “configured (or configured) to” means, depending on the circumstances, for example, “suitable for,” “having the capacity to” ," "designed to," "adapted to," "made to," or "capable of." The term "configured (or set) to" may not necessarily mean only "specifically designed to" hardware. Instead, in some contexts, the phrase "device configured to" may mean that the device is "capable of" in conjunction with other devices or components. For example, the phrase "a processor configured (or configured) to perform A, B, and C" may include a dedicated processor (eg, embedded processor) to perform the operation, or by executing one or more software programs stored in a memory device. , may mean a general-purpose processor (eg, CPU or application processor) capable of performing corresponding operations.

Terms used in this specification are only used to describe a specific embodiment, and may not be intended to limit the scope of other embodiments. Singular expressions may include plural expressions unless the context clearly dictates otherwise. Terms used herein, including technical or scientific terms, may have the same meaning as commonly understood by one of ordinary skill in the art described herein. Among the terms used in this specification, terms defined in a general dictionary may be interpreted as having the same or similar meaning as the meaning in the context of the related art, and unless explicitly defined in the present specification, an ideal or excessively formal meaning. not be interpreted as In some cases, even terms defined in this specification cannot be interpreted to exclude embodiments in this specification.

Hereinafter, an online payment method using an alternative credit card number according to an embodiment of the present invention will be described in more detail based on the accompanying drawings.

1 is a flowchart of an online payment method using an alternative credit card number according to an embodiment of the present invention, and FIG. 2 is an online payment system for performing the online payment method using an alternative credit card number shown in FIG. Figure 3 is a detailed configuration diagram of the payment platform presented herein, Figure 4 is a detailed configuration diagram of the card company server shown in Figure 2, (a) is a detailed configuration diagram of the credit card company server, (b) is a detailed configuration diagram of a card company server capable of converting membership points into cash and paying the user.

First, as shown in FIG. 1, the online payment method (S700) using an alternative credit card number according to an embodiment of the present invention proceeds in the following steps.

First, when making an online payment using the membership and credit card payment platform in the customer terminal 10, request issuance of a credit card number registered on the membership card and credit card payment platform or a disposable credit card number to replace the membership card number. In step S710, the card company server verifies the validity of the credit card or membership card registered in the customer terminal and whether or not a disposable credit card is issued, and then issues the disposable credit card to the customer terminal (S720).

Thereafter, the payment web page of the online store requests a payment approval request message for the disposable credit card number input from the customer terminal to the VAN server (S730), and the VAN server sends the payment approval request message to the disposable credit card After transmitting the number to the card company server, payment approval is requested (S740).

Then, after the card company server that issued the disposable credit card number inquires the customer's payment approval limit, if the payment amount falls within the payment approval limit range, the payment for the payment amount paid with the disposable credit card number is paid. It may include a process of approving (S750).

Meanwhile, the online payment method using a membership card and credit card according to an embodiment of the present invention is implemented through the online payment system 100 using a membership card and credit card shown in FIG. 2 .

The online payment system 100 using the membership card and credit card includes a payment platform 200, a card company server 300, and a platform operating server 400.

Each component (200, 300, 400) is generally connected through a network (network). Here, the network refers to a connection structure capable of exchanging information between nodes such as a plurality of terminals and servers. Examples of such networks include RF, 3rd Generation Partnership Project (3GPP) network, and Long Term Evolution (LTE) ) network, 5GPP (5rd Generation Partnership Project) network, WIMAX (World Interoperability for Microwave Access) network, Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), A personal area network (PAN), a Bluetooth network, an NFC network, a satellite broadcasting network, an analog broadcasting network, a digital multimedia broadcasting (DMB) network, and the like are included, but are not limited thereto.

In the following, the term at least one is defined as a term including singular and plural, and even if at least one term does not exist, each component may exist in singular or plural, and may mean singular or plural. It will be self-evident. In addition, the singular or plural number of each component may be changed according to embodiments.

Meanwhile, the payment platform 200 is installed in the customer terminal 10, and may be a platform for the customer terminal 10 to purchase and pay for online products in an online store.

Here, the customer terminal 10 is a terminal capable of installing or opening the payment platform 200 (application, program, app page, web page, etc.), and a service program can be driven using a script executed in a web browser. may be a terminal.

Here, the web browser is a program that enables the use of web (WWW: world wide web) services and means a program that receives and displays hypertext described in HTML (hyper text mark-up language). For example, Netscape , Explorer, Chrome, etc. In addition, an application means an application on a terminal, and includes, for example, an app running on a mobile terminal (smart phone).

The customer terminal 10 includes a smart phone, a portable terminal, a mobile terminal, a foldable terminal, a personal digital assistant (PDA), and a portable terminal (PMP). Multimedia Player terminal, telematics terminal, navigation terminal, personal computer, notebook computer, slate PC, tablet PC, ultrabook, wearable device ( Wearable devices, for example, watch-type terminals (Smartwatch), glass-type terminals (Smart Glass), HMD (Head Mounted Display), etc.), Wibro terminals, IPTV (Internet Protocol Television) terminals, smart TVs, digital It can be applied to various terminals such as broadcasting terminals, AVN (Audio Video Navigation) terminals, A/V (Audio/Video) systems, flexible terminals, digital signage devices, and the like.

Meanwhile, the payment platform 200 includes a card information registration unit 210, an affiliated store code registration unit 220, a payment password registration and determination unit 230, and a verification and issuance request unit 240.

The card information registration unit 210 may be configured to register and store cardholder account information and cardholder information of a credit card or membership card issued in the name of the customer.

The merchant code registration unit 220 registers and manages code information of merchants affiliated with a card company that issues disposable credit card numbers, and receives and registers merchant codes of credit card or membership card merchants from at least one card company It may be a configuration that

The payment password registration and determination unit 230 registers the payment password of the credit card or membership card initially entered in the customer terminal 10 when purchasing a product of the online merchant, and then registers the payment password and It may be configured to compare and determine registered payment passwords.

The verification and issuance request unit 240 may be configured to request verification of the validity (card number and card password) of the corresponding credit card or membership card to the corresponding card company server when requesting issuance of a disposable credit card number.

In addition, the verification and issuance request unit 240 may be configured to request issuance of a disposable credit card number after confirming a validity approval message from a corresponding card company server.

On the other hand, the payment platform 200 of the present application may support a selection means for selecting a credit card or membership card in the user's name necessary for issuing a disposable credit card number.

In addition, it may include a means for displaying to the user the maximum amount of the disposable credit card, the number of times of use, and the point cash conversion rate from the card company of the card designated by the user.

Next, the card company server 300 is a server of a card company affiliated with the payment platform presented herein. Here, the card company may be a server of a credit card company and a card company capable of converting membership points into cash and making payments to users.

The card company server 300 may verify the validity of credit card information or membership card based on the card information validation request (AReq) message transmitted from the customer terminal 10, and provide a validation confirmation message or an error message. have.

In addition, when the customer terminal 10 requests a one-time credit card issuance, the card company server 300 checks the validity of the credit card or membership card registered in the customer terminal 10, and then validates the credit card validity. It may be configured to issue a disposable credit card number to replace a credit card or membership card.

In this case, the one-time use credit card number issued by the card company server 300 may have the same limit as that of a pre-registered credit card.

On the other hand, if the card registered in the customer terminal 10 is a membership card, the card company server 300 checks the points of the membership card, and then the disposable credit card having a limit corresponding to the point conversion amount of the membership card. It may be configured to provide a number to the customer terminal (10).

In this case, the point conversion amount may be calculated according to a conversion ratio of different points to cash according to the membership card grade, and may be an amount converted for points exceeding a preset point.

In addition, when the card company server 300 requests payment approval limit inquiry of the one-time use credit card number to be processed from the merchant server 400 described later, the payment limit of the one-time use credit card number and the validity of the one-time use credit card number It can be checked and provided.

In addition, based on the payment approval of the disposable credit card and the request for payment of the payment from the affiliated store server 400, the payment of the disposable credit card payment may be deposited into the financial account of the corresponding affiliated store.

More specifically, when the card company server 300 is a credit card company server, it may include a validity confirmation unit 310, a disposable credit card number issuing unit 320, and a payment payment unit 330.

The validation unit 310 may be configured to check the validity of a card number and a card password of a previously issued credit card. In addition, it may be a configuration for verifying or confirming validity of cardholder account information and cardholder information.

The disposable credit card number issuing unit 320 may be configured to issue a disposable credit card number to replace the credit card number whose validity has been confirmed.

The card limit checking unit 330 presents the limit amount of the disposable credit card number when the merchant server requests the limit amount of the disposable credit card number, if the validity of the disposable credit card number is confirmed can be

Next, if the card company server 300 is a card company server that sets the conversion amount of membership points to cash as the limit of a disposable credit card number, the above-described validity check unit 310, disposable credit It includes a card number issuing unit 320 and a card limit checking unit 330, and detailed descriptions of the above components will be omitted.

When the card company server 300 is a server of a card company that sets and provides a conversion amount obtained by converting membership points into cash within a limit of a one-time credit card number, a point check and conversion unit 340 may be further included.

When the customer terminal 10 requests issuance of a one-time credit card number based on the points of the membership card, the point confirmation and conversion unit 340 checks the membership points of the membership card and confirms that the confirmed membership points are When exceeding a preset point, it may be configured to convert the excess point into cash.

A point conversion amount obtained by converting points into cash may be calculated as a conversion ratio (policy) according to a preset membership card grade.

For example, assuming that membership levels are classified as diamond, platinum, gold, silver, and bronze, points exceeding 3,000 points for diamond can be converted into cash, and points can be converted into cash in increments of 1,000 points.

Pleninum can convert points exceeding 4000 points into cash, and points can be converted into cash in increments of 2000 points.

Next, the platform operation server 400 may be a server that operates the payment platform 10 running on the customer terminal 200 .

The platform operating server 400 may support an interface for registering and storing cardholder account information and cardholder information of a credit card or membership card as the payment platform 200.

In addition, an interface for receiving, registering, and storing an affiliated store code of a credit card or membership card affiliated store from at least one card company may be supported as the payment platform 200 .

In addition, the payment platform ( 200) can be supported.

In addition, the payment platform 200 may support an interface for requesting validation of the validity (card number and card password) of a credit card or membership card designated by the customer to the corresponding card company server 300 .

In addition, the customer terminal 10 selects a credit card or membership card in the user's name necessary for issuing a disposable credit card number, and the limit amount of the disposable credit card, the number of uses, and the point cash conversion rate from the card company of the card designated by the user An interface for displaying etc. to the user may be supported as the payment platform 200 .

Next, the affiliated store server is a server of an online affiliated store affiliated with the payment platform of the present application, that is, a server of an affiliated store for purchasing and paying online products with a disposable credit card.

Therefore, using the online payment method using an alternative credit card number according to an embodiment of the present invention has the advantage of preventing leakage of credit card information and/or member information by using a disposable credit card number. .

In addition, it is possible to actively utilize membership points that automatically expire without knowing or knowing by issuing and using a one-time use credit card number with a limit range of converting membership card points into cash even for users with limited credit card issuance, such as students. provides an advantage

5 is a diagram illustrating an example computing environment in which one or more embodiments set forth herein may be implemented, an illustration of a system 1000 that includes a computing device 1100 configured to implement one or more embodiments described above. shows For example, computing device 1100 may be a personal computer, server computer, handheld or laptop device, mobile device (mobile phone, personal digital assistant, media player, etc.), multiprocessor system, consumer electronics, mini computer, mainframe computer, distributed computing environments that include any of the foregoing systems or devices; and the like.

Computing device 1100 may include at least one processing unit 1110 and memory 1120 . Here, the processing unit 1110 may include, for example, a central processing unit (CPU), a graphics processing unit (GPU), a microprocessor, an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Arrays (FPGA), and the like. and may have a plurality of cores. The memory 1120 may be volatile memory (eg, RAM, etc.), non-volatile memory (eg, ROM, flash memory, etc.), or a combination thereof. Additionally, computing device 1100 may include additional storage 1130 . Storage 1130 includes, but is not limited to, magnetic storage, optical storage, and the like.

The storage 1130 may store computer readable instructions for implementing one or more embodiments disclosed herein, and may also store other computer readable instructions for implementing an operating system, application programs, and the like. Computer readable instructions stored in storage 1130 may be loaded into memory 1120 for execution by processing unit 1110 . Computing device 1100 can also include input device(s) 1140 and output device(s) 1150 .

Here, input device(s) 1140 may include, for example, a keyboard, mouse, pen, voice input device, touch input device, infrared camera, video input device, or any other input device. Output device(s) 1150 may also include, for example, one or more displays, speakers, printers, or any other output devices, or the like. Additionally, computing device 1100 may use an input device or output device included in another computing device as input device(s) 1140 or output device(s) 1150 . Computing device 1100 may also include communication connection(s) 1160 that allow computing device 1100 to communicate with other devices (eg, computing device 1300).

Here, communication connection(s) 1160 may be a modem, network interface card (NIC), integrated network interface, radio frequency transmitter/receiver, infrared port, USB connection, or other device for connecting computing device 1100 to other computing devices. May contain interfaces. Further, communication connection(s) 1160 may include a wired connection or a wireless connection. Each component of the aforementioned computing device 1100 may be connected by various interconnections such as a bus (eg, peripheral component interconnection (PCI), USB, firmware (IEEE 1394), optical bus structure, etc.) and may be interconnected by the network 1200. Terms such as "component" and "system" as used herein generally refer to a computer-related entity that is hardware, a combination of hardware and software, software, or software in execution.

For example, a component may be, but is not limited to, a process running on a processor, a processor, an object, an executable, a thread of execution, a program, and/or a computer. For example, both the application running on the controller and the controller may be components. One or more components can reside within a process and/or thread of execution and a component can be localized on one computer or distributed between two or more computers.

The present invention is not limited by the foregoing embodiments and accompanying drawings. It will be clear to those skilled in the art that the components according to the present invention can be substituted, modified, and changed without departing from the technical spirit of the present invention.

100: Online payment system using alternative credit card numbers
200: payment platform
300: card company server
310: validation unit
320: disposable credit card number issuance unit
330: card limit confirmation unit
340: point confirmation and conversion unit
400: platform operation server

Claims (3)

When making an online payment using a payment platform in a customer terminal, a request for issuance of a one-time credit card number to replace the credit card or membership card information registered on the payment platform and a code of a member store for online payment of the one-time credit card number to be issued are sent to the card company. providing to the server;
After verifying the validity of the credit card or membership card registered in the customer terminal in the card company server and whether or not to issue a disposable credit card, issuing the disposable credit card number to the customer terminal if it is confirmed as a subject to be issued;
When the customer terminal connects to the payment web server of the online merchant and requests purchase payment using the disposable credit card number, the payment web server sets the customer's payment approval limit to the card company server that issued the disposable credit card number After inquiry, if the payment amount falls within the payment approval limit range, requesting payment approval to the card company server; and
When the card company server receives a feedback message for the payment approval request, after processing the purchase payment of the customer terminal, requesting a one-time credit card payment for the customer to the corresponding credit card company server,
The membership and credit card payment platform
a card information registration unit registering and storing credit card information or cardholder account information of a membership card, and cardholder information;
an affiliated store code registration unit for receiving and registering an affiliated store code of a credit card or membership affiliated store from at least one card company;
After registering the payment password of the credit card or membership card input from the customer terminal, a payment password registration and determination unit for comparing and determining the payment password input from the customer terminal and the registered payment password;
Including a verification and issuance request unit for requesting verification of the validity (card number and card password) of the credit card or membership card to the corresponding card company server and requesting issuance of a disposable credit card,
The card company server
If the card registered in the customer terminal is a membership card, providing a one-time credit card number having a limit corresponding to the point conversion amount of the membership card to the customer terminal;
The point conversion amount is
It is calculated according to the conversion rate from different points to cash according to the membership card grade,
The amount converted to points exceeding the preset points,
When requesting issuance of the disposable credit card number from the customer terminal, the disposable credit card number approval request encryption text including cardholder account information and cardholder information is transmitted using the payment platform. Further comprising the step of providing to the card company server,
The payment platform
An online payment method using an alternative credit card number, characterized in that the credit card company or membership card company information capable of issuing the disposable credit card number and the point-to-cash conversion ratio for each registered membership card company are displayed to the user. delete delete

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