KR20010047444A - Method of approving credit card transaction using personal mobile communications - Google Patents

Abstract

PURPOSE: A method for approving a credit card transaction using a PCS(Personal Communication Service) is provided to authenticate a transaction approval through the PCS. Therefore, it is possible to prevent an illegal using of the credit card. CONSTITUTION: A consumer wants to buy goods by using a credit card(S10). A seller inquires the credit card of the consumer through a credit card company(S11). The credit card company requests an authentication whether or not a credit card owner approves a credit card using through a PCS(Personal Communication Service)(S12). The credit card owner authenticates the credit card using through the PCS(S13). The credit card company confirms the authentication of the credit card owner(S14). If the authentication of the credit card owner is not formed, or if authentication contents are different from authentication requested contents, the credit card company does not approve a transaction. The transaction between the seller and the consumer is cancelled(S15). If the authentication of the credit card owner is in accord with the authentication requested contents, the credit card company approves the transaction to the seller(S16). The transaction between the seller and the consumer is formed(S17).

Description

How to approve credit card transactions using personal mobile communications {Method of approving credit card transaction using personal mobile communications}

The present invention relates to a transaction authorization of a credit card, and more particularly, to a transaction approval method that allows a consumer to prevent illegal theft of a credit card by authenticating a transaction authorization through personal mobile communication.

When a consumer wants to purchase a product using a credit card, the seller inquires the credit card company of the consumer and delivers the product to the consumer when the transaction is approved by the credit card company.

However, in an electronic commerce using the Internet, the seller has no way of confirming that the person using the credit card is the owner of the credit card. So there is no way to prevent someone from illegally stealing someone else's credit card.

Therefore, in the present invention, the credit card company requires the credit card owner to authenticate the transaction through personal mobile communication before approving the transaction of the credit card, and after the credit card owner authenticates the transaction through personal mobile communication, the credit card company The purpose of this is to provide the seller with a way to authorize the transaction to prevent illegal theft of the credit card.

1 is an explanatory diagram of a credit card transaction approval method using personal mobile communication according to an embodiment of the present invention.

2 is a flowchart illustrating a credit card transaction approval method using personal mobile communication according to an embodiment of the present invention.

3 to 6 are diagrams illustrating an authentication request and an authentication method using personal mobile communication used in the present invention.

<Explanation of symbols for the main parts of the drawings>

100: Consumer

110: Seller

120: credit card company

130: personal mobile communication

The method of the present invention to achieve this purpose is that when a consumer wants to purchase a product using a credit card, when the seller inquires the credit card approval of the consumer to the credit card company, the credit card company sends the information to the consumer through the consumer's personal mobile communication. A first step requiring authentication; And when the consumer transmits the authentication using a personal mobile communication, the credit card company is characterized in that it comprises a second step of transmitting a credit card authorization to the seller.

Now, a preferred embodiment of the present invention will be described in detail with reference to FIGS. 1 to 6.

1 is an explanatory view of a credit card transaction approval method using personal mobile communication according to an embodiment, and FIG. 2 is a flowchart of a credit card transaction approval method using personal mobile communication according to an embodiment. 3 to 6 are diagrams illustrating an authentication request and an authentication method using personal mobile communication used in the present invention.

First, the consumer 100 wants to purchase a product using a credit card (step S10).

Next, the seller 110 inquires the credit card company 120 of the credit card of the consumer 100 (step S11).

Next, the credit card company 120 requests authentication by the credit card owner to approve the use of the credit card through the personal mobile communication 130 (step S12).

At this time, if the owner of the credit card uses a credit card, the credit card owner is the consumer (100). When the credit card company 120 requires authentication, the following method is used. The credit card company 120 sends a short message requesting authentication to the personal mobile communication terminal 130 of the consumer 100 (FIGS. 3, 4, and 5). Alternatively, the credit card company 120 calls the consumer 100 to the mobile terminal 130 and requests authentication (FIG. 6).

Next, the credit card holder authenticates the use of the credit card using the personal mobile communication 130 (step S13).

At this time, if the owner of the credit card uses a credit card, the credit card owner is the consumer (100). In addition, when the consumer 100 authenticates the use of a credit card, the method is as follows. When the credit card company 120 sends a short message requesting authentication through the personal mobile communication 130 to the consumer 100, the consumer 100 credits the authentication number as a short message through the personal mobile communication 130. Authentication is made by sending to card company 120 (FIG. 3). Alternatively, when the credit card company 120 sends a short message requesting authentication through the personal mobile communication 130 to the consumer 100, the consumer 100 personally carries the Internet service provided by the credit card company 120. It connects to the communication 130 and authenticates by inputting an authentication number through a button (FIG. 4). Alternatively, if the credit card company 120 sends a short message requesting authentication through the personal mobile communication 130 to the consumer 100, the consumer 100 is an individual in an automatic answering system operated by the credit card company 100. The mobile telephone 130 is dialed and authenticated by inputting an authentication number through a button (FIG. 5). Alternatively, when the credit card company 120 calls the consumer 100 to the personal mobile communication terminal and requests authentication, the consumer 100 sends the authentication number to the automatic response system operated by the credit card company 120. Authenticate by entering through the button (Figure 6).

Next, the credit card company 120 confirms the authentication of the credit card holder (step S14).

At this time, if the owner of the credit card uses a credit card, the credit card owner is the consumer (100).

Next, if the credit card owner's authentication is not made or the authentication content is different from the authentication request, the credit card company 120 does not approve the transaction, and the transaction between the seller 110 and the consumer 100 is canceled. (Step S15).

At this time, the credit card holder is not the consumer 100.

Next, if the authentication details of the credit card holder are the same as the authentication request contents, the credit card company 120 approves the transaction to the seller 110 (step S16).

At this time, the credit card holder is the consumer (100).

Next, a transaction is established between the seller 110 and the consumer 100 (step S17).

Although the present invention has been described in detail with reference to preferred embodiments, the scope of the present invention is not limited to the specific embodiments, and should be interpreted by the appended claims.

As described above, according to the present invention, there is an effect of preventing illegal theft of a credit card.

Claims (7)

A method of authorizing a credit card transaction in a credit card company that has a database that stores a credit card user's personal cellular telephone number, Receiving the credit card number of the credit card user from the merchant; Searching the database for the personal cellular phone number associated with the credit card number and reading the personal cellular phone number of the credit card user; Making a call to the personal mobile communication terminal of the read phone number; Sending a guide message through the personal mobile communication terminal; If the user's response after the guide message confirms that the credit card is used, the transaction approval number is transmitted to the seller. If the user does not confirm that the credit card is used, the transaction is canceled to the seller. Transaction approval method comprising the step of informing. The method of claim 1, The method of sending a guide message through the personal mobile communication terminal is characterized in that the transaction is made through a text on the screen of the terminal. The method of claim 2, The transaction approval method, characterized in that for transmitting the authentication number via a letter on the screen of the personal mobile communication terminal. The method of claim 1, The method of sending a guide message through the personal mobile communication terminal is a transaction approval method, characterized in that made through voice. The method of claim 1, The credit card user's response after the guide message is made using a button of the personal mobile communication terminal. The method of claim 5, The response using the button of the personal mobile communication terminal after the guide message is made by inputting the password of the credit card as a button. The method of claim 5, The response using the button of the personal mobile communication terminal after the guide message is made by inputting the authentication number received in claim 3 as a button.