KR20010044524A - Credit card settlement method of using handphone - Google Patents

Credit card settlement method of using handphone Download PDF

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Publication number
KR20010044524A
KR20010044524A KR1020010011032A KR20010011032A KR20010044524A KR 20010044524 A KR20010044524 A KR 20010044524A KR 1020010011032 A KR1020010011032 A KR 1020010011032A KR 20010011032 A KR20010011032 A KR 20010011032A KR 20010044524 A KR20010044524 A KR 20010044524A
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KR
South Korea
Prior art keywords
card
mobile phone
credit card
user
payment
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KR1020010011032A
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Korean (ko)
Inventor
윤경용
김찬호
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윤경용
주식회사 윤디지털연구소
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Priority to KR1020010011032A priority Critical patent/KR20010044524A/en
Publication of KR20010044524A publication Critical patent/KR20010044524A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/72—Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
    • H04M1/724—User interfaces specially adapted for cordless or mobile telephones
    • H04M1/72403—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2201/00—Electronic components, circuits, software, systems or apparatus used in telephone systems
    • H04M2201/36—Memories
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2201/00—Electronic components, circuits, software, systems or apparatus used in telephone systems
    • H04M2201/38—Displays

Abstract

PURPOSE: A credit card settlement method using a portable phone is provided to execute the business of a credit card through a portable phone by inputting the information of the credit card to the portable phone. CONSTITUTION: A user selects a card business execution function through his portable phone(100) and inputs a password(110). The control unit of the portable phone checks the inputted password and displays a screen to request the user to select a card settlement function, a cash withdrawal function or a cash service(120). In case that the user selects the card settlement function, the control unit displays the kinds of cards stored in the memory. If the user selects one of the displayed cards(140) and inputs the password of the selected card(142), the control unit confirms the inputted password and displays a screen to input an affiliated store number and settlement money. If the user reconfirms the affiliated store number and settlement money after inputting them(146,148), the control unit transmits the data of the affiliated store number and settlement money to a card company server. If the card company server receives the transmitted data, the server confirms the data, makes a settlement approval and transmits the settlement approval data to the affiliated store. The affiliated store, receiving the settlement approval data, outputs a slip(152). The user puts his signature to the slip for settlement(154).

Description

휴대폰을 이용한 신용카드 결제방법{Credit card settlement method of using handphone}Credit card settlement method of using handphone}

본 발명은 휴대폰을 이용한 신용카드 결제방법에 관한 것으로서, 보다 상세하게는 휴대폰에 신용카드 기능을 추가함으로써 신용카드 분실의 위험없이 보다 편리하고 안전하게 신용카드를 사용할 수 있는 휴대폰을 이용한 신용카드 결제방법에 관한 것이다.The present invention relates to a credit card payment method using a mobile phone, and more particularly to a credit card payment method using a mobile phone that can be used more conveniently and securely without the risk of credit card loss by adding a credit card function to the mobile phone. It is about.

신용카드는 크레디트 카드, 수표 카드, 소비자 카드 등의 여러가지 형태로 유용하게 사용되고 있고 이들 카드는 전세계 모든 국가에서 실용화되고 있으며 날로 그 숫자가 증가해가고 있다. 종래에 신용카드를 사용하기 위해서는 신용카드사에서 정해진 기한을 두고 정기적으로 발급받아야 했으며 다양한 종류의 카드를 사용하기 위해서는 많은 카드를 지갑에 소지하고 다녀야 했다.Credit cards are useful in many forms, such as credit cards, check cards, and consumer cards, and these cards are becoming practical in all countries of the world, and their numbers are increasing day by day. Conventionally, in order to use a credit card, the credit card company had to be issued regularly with a predetermined time limit, and in order to use various types of cards, many cards had to be carried in a wallet.

그러나 한개 이상의 신용카드 소지시 지갑이 두꺼워져 불편하고 분실의 위험이 많았으며 분실시에는 일일이 신고를 필하고 재발급을 받아야하며 재발급시 신용카드번호나 비밀번호 변경 및 사소한 문제점이 발생하였으며, 또한 타인의 구매행위에 의한 책임소재 규명에 어려움이 많았다. 또한 결제를 위해 타인에게 신용카드를 잠시 대여할 경우 사고 발생의 우려가 있었다.However, if you have more than one credit card, your wallet will be thick and uncomfortable. There was a lot of difficulty in identifying responsible materials. In addition, there was a risk of accidents when lending credit cards to others for payment.

따라서 본 발명은 상기한 바와 같은 종래의 문제점을 해결하기 위하여 안출된 것으로서, 본 발명의 목적은 신용카드의 정보를 휴대폰에 입력하여 휴대폰을 통해 신용카드의 업무를 수행하고 결제자가 직접 휴대폰을 통해 결제할 수 있는 휴대폰을 이용한 신용카드 결제방법을 제공하는 것이다.Therefore, the present invention has been made to solve the conventional problems as described above, the object of the present invention is to enter the information of the credit card into the mobile phone to perform the work of the credit card through the mobile phone and the payer pays directly through the mobile phone It is to provide a credit card payment method using a mobile phone.

도 1은 본 발명에 따른 휴대폰을 이용한 신용카드 결제방법의 흐름도.1 is a flow chart of a credit card payment method using a mobile phone according to the present invention.

도 2는 본 발명에 따른 카드결제시 디스플레이되는 휴대폰 화면을 나타낸 블록도.Figure 2 is a block diagram showing a mobile phone screen displayed when the card payment in accordance with the present invention.

도 3은 본 발명에 따른 현금인출 또는 현금서비스시 디스플레이되는 휴대폰 화면을 나타낸 블록도.Figure 3 is a block diagram showing a mobile phone screen displayed during the cash withdrawal or cash service according to the present invention.

도 4는 종래의 휴대폰의 내부 구성 블록도.Figure 4 is an internal block diagram of a conventional mobile phone.

도 5는 종래의 현금인출 단말기의 내부 구성 블록도.Figure 5 is a block diagram of the internal configuration of a conventional cash withdrawal terminal.

* 도면의 주요부분에 대한 부호의 설명 *Explanation of symbols on the main parts of the drawings

200 : 안테나부 210 : RF 부200: antenna portion 210: RF portion

220 : 제어부 230 : 메모리부220: control unit 230: memory unit

240 : 모뎀 250 : 스피커/마이크240: modem 250: speaker / microphone

300 : 입력장치 310 : 제어기300: input device 310: controller

320 : 메모리 330 : 현금 입출금기320: memory 330: cash machine

340 : 카드 리더/라이터340: card reader / writer

상기한 목적을 달성하기 위하여 본 발명에 따른 휴대폰을 이용한 신용카드 결제방법은, 사용자의 휴대폰의 신용카드업무 기능 선택에 따라 휴대폰의 제어부가 카드결제를 포함하는 결제방법을 디스플레이하는 단계와, 사용자가 카드결제를 선택하면 휴대폰의 제어부가 메모리에 저장된 신용카드 정보를 디스플레이 하는 단계와, 사용자가 카드 종류를 선택하는 단계와, 사용자가 가맹점번호와 결제금액을 입력하는 단계와, 상기 제어부가 상기 가맹점번호와 결제금액 데이타를 상기 선택된 신용카드의 카드회사 서버로 전송하는 단계와, 상기 카드회사 서버가 상기 전송된 가맹점번호와 결제금액 데이타를 확인하여 결제를 승인하고 결제 승인 데이타를 해당 가맹점으로 전송하는 단계를 포함한다.Credit card payment method using a mobile phone according to the present invention in order to achieve the above object, the control unit of the mobile phone according to the user's selection of the credit card business function display the payment method including the card payment, the user When the card payment is selected, the controller of the mobile phone displays the credit card information stored in the memory, the user selects the card type, the user inputs the merchant number and the payment amount, and the controller stores the merchant number And transmitting payment amount data to a card company server of the selected credit card, and the card company server confirming the transmitted merchant number and payment amount data to approve payment and transmitting payment approval data to the corresponding merchant. It includes.

본 발명에 따른 휴대폰을 이용한 신용카드 결제방법은 상기 결제 승인 데이터가 해당 가맹점에서 전표로 출력되는 단계를 더 포함할 수 있다.Credit card payment method using a mobile phone according to the invention may further comprise the step of outputting the payment authorization data as a slip from the merchant.

또한, 본 발명에 따른 신용카드 결제방법은 사용자의 휴대폰의 신용카드업무 기능 선택에 따라 휴대폰의 제어부가 현금인출, 현금서비스를 포함하는 결제방법을 디스플레이하는 단계와, 사용자가 현금인출 또는 현금서비스를 선택하면 휴대폰의 제어부가 메모리에 저장된 신용카드 정보를 디스플레이 하는 단계와, 사용자가 신용카드를 선택하고 비밀 번호를 입력하는 단계와, 상기 제어부가 상기 신용카드와 비밀번호 데이타를 상기 카드의 카드회사 서버로 전송하는 단계와, 상기 카드회사 서버가 상기 입력한 카드와 비밀번호 데이타를 확인하고 인증번호를 부여하여 사용자의 휴대폰으로 인증번호를 전송하는 단계와, 사용자가 현금인출 단말기에서 인증번호와 인출금액을 입력하고 현금을 인출하는 단계를 포함한다.In addition, the credit card payment method according to the present invention comprises the steps of the control unit of the mobile phone displays the payment method including cash withdrawal, cash service according to the user's selection of the credit card business function of the user's mobile phone, the user withdraws or cash If selected, the control unit of the mobile phone displays the credit card information stored in the memory, the user selects a credit card and inputs a password, the control unit sends the credit card and password data to the card company server of the card Transmitting the authentication number to the user's mobile phone by confirming the card and the password data inputted by the card company server and assigning an authentication number to the user; and inputting the authentication number and the withdrawal amount from the cash withdrawal terminal. And withdrawing cash.

이러한 본 발명에 따른 바람직한 실시예들을 첨부된 도면에 의거하여 상세하게 설명하면 다음과 같다.Preferred embodiments according to the present invention will be described in detail with reference to the accompanying drawings.

도 1은 본 발명에 따른 휴대폰을 이용한 신용카드 결제방법의 흐름도이다.1 is a flowchart of a credit card payment method using a mobile phone according to the present invention.

도시된 바와 같이 본 발명에 따른 휴대폰을 이용한 신용카드 결제방법은 사용자가 휴대폰에서 카드업무 수행을 위한 기능을 선택하고(100) 카드업무를 수행하기 위한 비밀번호를 입력한다(110). 그러면 휴대폰의 제어부는 상기 입력된 비밀번호를 확인하고 카드결제를 할 것인지, 현금인출을 할 것인지, 현금 서비스를 할 것인지를 선택하기 위한 화면을 디스플레이한다(120).As shown, the credit card payment method using the mobile phone according to the present invention, the user selects a function for performing the card business in the mobile phone (100) and enters a password for performing the card business (110). Then, the controller of the mobile phone checks the input password and displays a screen for selecting whether to make a card payment, cash withdrawal, or cash service (120).

먼저, 사용자가 카드결제를 선택할 경우에는, 상기 제어부는 휴대폰의 메모리에 저장된 신용카드의 종류를 화면에 디스플레이한다. 그러면 사용자가 사용하고자 하는 카드의 종류를 선택하여(140) 상기 카드의 비밀번호를 입력한다(142). 상기 제어부는 상기 입력된 비밀번호를 확인하고 가맹점번호와 결제금액을 입력하기 위한 화면을 디스플레이한다. 그러면 사용자는 거래하고자 하는 가맹점번호와 결제금액을 입력하고(146) 상기 거래하고자 하는 가맹점번호와 결제금액을 재확인하면 (148) 상기 제어부는 상기 가맹점번호와 결제금액 데이타를 상기 카드회사 서버로 전송한다. 그러면 상기 카드회사 서버에서는 전송된 가맹점번호와 결제금액을 확인하여 결제 승인을 하고 결제 승인 데이타를 가맹점으로 전송하는데 해당 가맹점에서는 전표가 출력되고(152) 사용자는 전표에 결제 서명한다(154).First, when the user selects the card payment, the control unit displays the type of credit card stored in the memory of the mobile phone on the screen. Then, the user selects the type of card to be used (140) and inputs the password of the card (142). The controller checks the input password and displays a screen for inputting an affiliate store number and a payment amount. Then, the user inputs the merchant number and payment amount to be traded (146) and reconfirms the merchant number and payment amount to be traded (148). The controller transmits the merchant number and payment amount data to the card company server. . Then, the card company server confirms the payment of the affiliated store number and the payment amount and approves the payment, and transmits the payment approval data to the affiliate store. In the affiliate store, a slip is output (152) and the user signs and signs the slip (154).

사용자가 현금인출 및 현금서비스를 선택할 경우에는, 상기 제어부는 휴대폰의 메모리에 저장된 은행이나 카드의 종류를 화면에 디스플레이한다. 그러면 사용자가 현금인출 및 현금서비스를 받고자 하는 카드의 종류를 선택하여(130) 상기 카드의 비밀번호를 입력한다(132). 상기 제어부는 상기 입력된 비밀번호를 확인하고 상기 선택한 카드의 종류와 상기 입력한 비밀번호를 인증회사 서버로 전송한다. 상기 인증회사 서버는 상기 전송된 정보를 확인하여 사용자의 휴대폰으로 인증번호를 전송한다(134). 그러면 사용자는 상기 전송된 인증번호와 인출금액을 현금인출 단말기에 입력한 후 현금을 인출한다(136).When the user selects a cash withdrawal and cash service, the controller displays the type of bank or card stored in the memory of the mobile phone on the screen. Then, the user selects a type of card to receive cash and cash service (130) and inputs the password of the card (132). The controller checks the input password and transmits the type of the selected card and the input password to the authentication company server. The authentication company server checks the transmitted information and transmits the authentication number to the user's mobile phone (134). Then, the user inputs the transmitted authentication number and the withdrawal amount to the cash withdrawal terminal and withdraws the cash (136).

도 2는 본 발명에 따른 카드결제시 디스플레이되는 휴대폰 화면을 나타낸 블록도이다.Figure 2 is a block diagram showing a mobile phone screen displayed when the card payment according to the present invention.

도 3은 본 발명에 따른 현금인출 및 현금서비스시 디스플레이되는 휴대폰 화면을 나타낸 블록도이다.3 is a block diagram showing a mobile phone screen displayed during the cash withdrawal and cash service according to the present invention.

여기서, 본 발명에 사용되는 휴대폰은 종래의 휴대폰을 사용할 수 있으며, 이와 같은 종래의 휴대폰은 도 4에 도시한 바와 같이 개략적으로 전파를 송출하고 수신하는 안테나부(200)와 상기 안테나부(200)에 의해 수신된 신호 및 안테나부(200)측으로 전송될 신호를 변환하는 RF부(210)와 휴대폰의 상태를 제어하는 제어부(220)와 상기 제어부(220)에 접속된 메모리부(230)와 아날로그 신호와 디지탈 신호를 변복조하는 모뎀(240)과 스피커/마이크부(250)로 구성할 수 있으며, 현금인출 단말기는 도 5에 도시한 바와 같이 정보저장용 메모리(320)를 가진 제어기(310)와 현금을 실질적으로 인출하는 현금입출금기(330)와 카드를 읽고 쓰는 카드리드/라이터(340) 및 정보를 입력하는 입력장치(300)로 구성할 수 있는데, 특히, 신용카드 기능은 상기 휴대폰의 제어부(310) 및 메모리(320)에 별도의 프로세스를 저장하여 제공할 수 있고, 이와 동시에 현금인출 단말기에 인증번호 입력 및 처리를 위한 선택필드를 추가하여 제공할 수 있다.Here, the mobile phone used in the present invention can use a conventional mobile phone, such a conventional mobile phone as shown in Figure 4, the antenna unit 200 and the antenna unit 200 for transmitting and receiving radio waves roughly The RF unit 210 converts the signal received by the signal and the signal to be transmitted to the antenna unit 200, the controller 220 for controlling the state of the mobile phone, the memory unit 230 connected to the controller 220 and the analog And a modem 240 and a speaker / microphone unit 250 for demodulating and demodulating a signal and a digital signal. The cash withdrawal terminal includes a controller 310 having an information storage memory 320 as shown in FIG. The cash dispenser 330 for withdrawing cash, the card reader / writer 340 for reading and writing a card, and the input device 300 for inputting information. In particular, the credit card function may include a control unit of the mobile phone ( 310) and memory A separate process may be stored and provided at 320, and at the same time, a selection field for inputting and processing an authentication number may be provided to the cash withdrawal terminal.

또한 본 발명에 따른 신용카드 결제방법은 신용 거래에 따른 모든 형태의 카드 및 현금 지급 기능을 가진 카드, 예를 들면 백화점 카드, 현금 카드, 직불 카드 등에 적용될 수 있다.In addition, the credit card payment method according to the present invention can be applied to all types of cards and cards with a cash payment function, for example, department store card, cash card, debit card according to the credit transaction.

이상과 같은 본 발명의 휴대폰을 이용한 신용카드 결제방법에 따르면, 한개 이상의 신용카드를 소지하여도 신용카드 정보가 모두 휴대폰에 입력되어 있어 지갑의 두꺼워짐이 발생하지 않으며 신용카드를 분실할 우려가 없고 휴대폰을 분실하여도 분실신고를 일일이 하거나 재발급을 받을 필요가 없으며 휴대폰에 소프트웨어를 추가함으로써 해결되기 때문에 별도의 장치를 개발하거나 부착할 필요가 없는 효과가 있다.According to the credit card payment method using the mobile phone of the present invention as described above, even if you have one or more credit cards, all the credit card information is entered into the mobile phone does not cause thickening of the wallet and there is no fear of losing the credit card Even if you lose your mobile phone, you don't have to report the loss or reissue it. It is solved by adding software to your mobile phone, so you don't have to develop or attach a separate device.

Claims (3)

사용자의 휴대폰의 신용카드업무 기능 선택에 따라 휴대폰의 제어부가 카드결제를 포함하는 결제방법을 디스플레이하는 단계와;Displaying, by the controller of the mobile phone, a payment method including card payment according to a user's selection of a credit card service function of the mobile phone; 사용자가 카드결제를 선택하면 휴대폰의 제어부가 메모리에 저장된 신용카드 정보를 디스플레이 하는 단계와;Displaying, by the controller of the mobile phone, credit card information stored in a memory when the user selects a card payment; 사용자가 카드 종류를 선택하는 단계와;A user selecting a card type; 사용자가 가맹점번호와 결제금액을 입력하는 단계와;A user inputting an affiliate store number and a payment amount; 상기 제어부가 상기 가맹점번호와 결제금액 데이타를 상기 선택된 신용카드의 카드회사 서버로 전송하는 단계와;Transmitting, by the controller, the affiliate store number and payment amount data to a card company server of the selected credit card; 상기 카드회사 서버가 상기 전송된 가맹점번호와 결제금액 데이타를 확인하여 결제를 승인하고 결제 승인 데이타를 해당 가맹점으로 전송하는 단계로 구성되는 것을 특징으로 하는 휴대폰을 이용한 신용카드 결제 방법.The credit card payment method using a mobile phone, characterized in that the card company server comprises the step of confirming the transmitted merchant number and payment amount data to approve payment and transmit payment approval data to the corresponding merchant. 제 1 항에 있어서, 상기 결제 승인 데이터가 해당 가맹점에서 전표로 출력되는 단계를 더 포함하는 것을 특징으로 하는 휴대폰을 이용한 신용카드 결제 방법.The method of claim 1, further comprising the step of outputting the payment authorization data as a slip at the affiliated store. 사용자의 휴대폰의 신용카드업무 기능 선택에 따라 휴대폰의 제어부가 현금인출, 현금서비스를 포함하는 결제방법을 디스플레이하는 단계와;Displaying, by the controller of the mobile phone, a payment method including cash withdrawal and cash service according to a user's selection of a credit card service function of the mobile phone; 사용자가 현금인출 또는 현금서비스를 선택하면 휴대폰의 제어부가 메모리에 저장된 신용카드 정보를 디스플레이 하는 단계와;Displaying, by the controller of the mobile phone, the credit card information stored in the memory when the user selects a cash withdrawal or a cash service; 사용자가 신용카드를 선택하고 비밀 번호를 입력하는 단계와;The user selecting a credit card and entering a password; 상기 제어부가 상기 신용카드와 비밀번호 데이타를 상기 카드의 카드회사 서버로 전송하는 단계와;Transmitting, by the controller, the credit card and password data to a card company server of the card; 상기 카드회사 서버가 상기 입력한 카드와 비밀번호 데이타를 확인하고 인증번호를 부여하여 사용자의 휴대폰으로 인증번호를 전송하는 단계와;Checking, by the card company server, the input card and password data and assigning an authentication number to transmit the authentication number to a user's mobile phone; 사용자가 현금인출 단말기에서 인증번호와 인출금액을 입력하고 현금을 인출하는 단계로 이루어진 것을 특징으로 하는 휴대폰을 이용한 신용카드 결제방법.Credit card payment method using a mobile phone, characterized in that the user inputs the authentication number and the withdrawal amount in the cash withdrawal terminal and withdraw cash.
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