KR20010084723A - System and method to certify credit card using pcs system - Google Patents

Abstract

PURPOSE: A credit card settlement system using a mobile communication system and a method for controlling the same are provided to prevent financial accidents due to a theft or losing by performing an authentication to a credit card holder. CONSTITUTION: A credit card checker(10) reads and transmits information stored in a credit card, and outputs settlement breakdown. A manager(20) has a database related to credit status of a customer and the use and accidents of the credit card, performs authentication to the credit card, and transmits the authentication result. A mobile communication terminal(30) supports an AMPS system service and a CDMA system service. A base station(40) performs communication with the mobile communication terminal(30). A control station(50) performs hand-off function to maintain a telephone call when a subscriber moves. A home position register(70) stores subscriber information. An authentication number database(80) stores and manages data related to authentication numbers. An exchanging station(60) performs authentication to a credit card holder by comparing the authentication number input from the mobile communication terminal(30) with the authentication number stored in the authentication number database(80).

Description

Credit card payment system and control method using mobile communication system {SYSTEM AND METHOD TO CERTIFY CREDIT CARD USING PCS SYSTEM}

The present invention relates to a credit card (CREDIT CARD) payment system, in particular, to verify the identity of the user through a mobile communication network and a mobile terminal (cell phone), to prevent financial accidents caused by loss, theft, etc. of the credit card It is for.

As is well known, the credit card payment system refers to a system that pays for the payment using the credit card when purchasing goods using various credit cards, as shown in FIG. A magnetic card reader for reading information stored in a magnetic tape attached to the communication apparatus, a communication device for transmitting information read out through the magnetic card reader, and an output device for outputting a record of payment details A credit card checker 1 having a back and the like; We have established a database of customer credit status, credit card usage information, and credit card information for accidents (lost or stolen), and we want to pay through the credit card checker (1). The management device 2, which receives a signal for the card and authenticates whether the credit card to be used for payment, is used as an essential component.

In such a conventional credit card payment system, when the information of the credit card to be paid through the credit card checker 1 is transmitted to the management device 2 using a telephone line or the like, the management device 2 of the credit card checks. It performs the function of making payment by performing authentication on credit and transaction amount.

However, the conventional credit card payment system as described above can prevent this even if a credit card of another person is used because only the authentication of the credit card itself is performed while the authentication of the person holding the credit card is not possible. There was no problem.

That is, only the authentication of the credit card itself is possible, and the holder cannot be authenticated, so that a credit card of another person name can be used, which causes a problem of frequent theft accidents.

Therefore, when using a credit card, a signature written on the credit card is required, or a photo is printed on the credit card itself to prevent the use of others, and if the credit card is stolen or lost, it is reported without delay and management. Although the use of the credit card is restricted in the apparatus 2, the method of writing a signature when using the credit card has a problem that the signature itself is easily forged and difficult to identify without a professional identification device, and is printed on a credit card. The method of discriminating the photographs is that the shape of a person can be easily changed, such as the shape of a head, a makeup, or dress or glasses, so that it is not easy to check whether or not the person is identified. Doing so is a matter of courtesy, which causes a problem that the utility is lowered. The method of restricting the authentication of a credit card by reporting a stolen status is that if the original owner of the credit card is not aware of the lost or stolen status, or if it is in a fraudulent or obsessive state, the report itself is difficult and its utility There was a problem such as deterioration.

Substantial damages are often caused when a credit card is lost or stolen due to the difficulty of authenticating the identity of the person, and as a result, it is not necessary to disseminate and use the credit card. It hinders development.

Hereinafter, the mobile communication system will be described.

As is well known, a mobile communication system is a communication system for a mobile device such as a person, a car, a ship, a train, an aircraft, and includes a mobile phone (mobile phone, a vehicle phone), a port phone, an aircraft phone, a mobile public phone ( Trains, cruise ships, express buses), radio calling, radiotelephony, satellite mobile communication, amateur radio, and fishing service ships.

These mobile communications include the AMPS (ADVANCED MOBILE PHONE SERVICE) system using the analog method, the CDMA (CODE DIVISION MULTIPLE ACCESS) system using the DIGITAL method, and the TDMA (TIME DIVISION MULTIPLE ACCESS) system. Access) systems, and FDMA (FREQUENCY DIVISION MULTIPLE ACCESS) systems.

As shown in FIG. 1, the CDMA system selectively or simultaneously supports the services of the AMPS system and the services of the CDMA system, thereby allowing a subscriber to communicate through a mobile communication network (MOBILE). STATION) 3; A base station (BASE TRANSCEIVER SUBSYSTEM) 4 for communicating with the mobile communication terminal 3 using a protocol defined in IS-95 in a wireless section; A base station controller 5 for controlling the radio link and the wired link and performing a handoff function for maintaining the continuity of the call even when the subscriber is moving; A switching station (MOBILE SWITCHINGCENTER) 6 which constitutes a subscriber's call path and performs a connection with another communication network; Subscriber information is stored, and consists of a home location register (HOME LOCATION REGISTER) (7) for exchanging signals with the switching center (6), through the base station (4), the control station (5) and the switching station (6) It is an apparatus for realizing a call of the mobile communication terminal 3.

That is, when a subscriber attempts to access a call through the calling mobile communication terminal, the subscriber accesses the mobile communication network (eg, CDMA network, PSND (PUBLIC SWITCHED DATA NETWORK) through the base station 4, the control station 5 and the switching station 6). Etc.) to realize a connection with the called party.

However, the conventional mobile communication system as described above has a problem that only the function of realizing the call of the subscriber through the mobile communication terminal 3 and other functions cannot be realized.

That is, although the mobile communication system is an optimal system for authenticating the identity of the individual since it is a communication device that is always carried by the individual, it cannot be used except for the original function of performing a communication function due to the insufficient development and configuration thereof. There was a problem.

An object of the present invention is to solve the conventional problems as described above, in particular, through the credit card checker and management device to authenticate the credit card, and through the mobile communication terminal and authentication number (password) that the individual carries It is to provide a "credit card payment system and control method using a mobile communication system" that can prevent financial accidents caused by the loss or theft of the credit card due to the authentication of the identity.

That is, the authentication number for authenticating the identity is given to each individual who wants to pay the credit card through the mobile communication terminal, and after establishing a database for the authentication number in the mobile communication system (MOBILE SWITCHING CENTER), the credit card It is designed to prevent credit accidents due to the loss or theft of credit cards by preventing the use of credit cards other than the user by linking them with a payment system to authenticate credit cards and individuals.

1 is a block diagram showing the essential components of a conventional credit card payment system,

2 is a block diagram schematically showing the configuration of a conventional mobile communication system;

3 is a block diagram showing the configuration of the present invention "credit card payment system using a mobile communication system",

Figure 4 is a control flow diagram showing the present invention "control method of credit card payment system using a mobile communication system".

Explanation of symbols on the main parts of the drawings

10: credit card check 20: management device

30: mobile communication terminal 40: base station

50: control station 60: exchange station

70: home location register 80: authentication number database

S10: card information read transmission step S20: credit card authentication step

S30: credit card holder authentication step

In order to achieve the above object, the present invention provides a credit card payment system using a mobile communication system, which reads and transmits information stored in a credit card and outputs a payment status; The database includes information on the credit status of the customer, information on the use of the credit card, and information on the credit card in which an accident (lost or stolen) occurs. The credit card checker is connected to a credit card through a communication means. A management device which performs authentication on a card, requests authentication of a credit card holder, and transmits an authentication result to the credit card checker; A mobile communication terminal, which is a terminal device which selectively or simultaneously supports a service of an AMPS system and a service of a CDMA system, so that a subscriber can communicate through a mobile communication network; A base station connected to the mobile communication terminal via wireless communication and performing communication with the mobile communication terminal using a protocol defined in IS-95 in a wireless section; A control station connected to the base station to control a radio link and a wire link, and to perform a handoff function for maintaining the continuity of a call while the subscriber is moving; A home location register for storing subscriber information; An authentication number database unit for each of the mobile communication terminals, the authentication number database unit storing and managing data on an authentication number (password) for authenticating a user, which is used for payment of a credit card; It is connected between the management device, the authentication number database unit, the home location register, and the authentication number database to establish a subscriber's call path and perform connection with other communication networks, and authenticate the credit card holder in the management device. Upon request, attempts to call the mobile communication terminal through the mobile communication network and compares the authentication number entered through the connected mobile communication terminal with the authentication number stored in the authentication number database unit to check the identity of the credit card. It is characterized by its technical construction, including an exchange which performs authentication of the bearer.

On the other hand, the present invention "control method of credit card payment system using a mobile communication system", the credit card checker for reading and transmitting the information stored in the credit card, and outputs the payment status; The database includes information on the credit status of the customer, information on the use of the credit card, and information on the credit card in which an accident (lost or stolen) occurs. The credit card checker is connected to a credit card through a communication means. A management device which performs authentication on a card, requests authentication of a credit card holder, and transmits an authentication result to the credit card checker; A mobile communication terminal, which is a terminal device which selectively or simultaneously supports a service of an AMPS system and a service of a CDMA system, so that a subscriber can communicate through a mobile communication network; A base station connected to the mobile communication terminal via wireless communication and performing communication with the mobile communication terminal using a protocol defined in IS-95 in a wireless section; A control station connected to the base station to control a radio link and a wire link, and to perform a handoff function for maintaining the continuity of a call while the subscriber is moving; A home location register for storing subscriber information; An authentication number database unit for each of the mobile communication terminals, the authentication number database unit storing and managing data on an authentication number (password) for authenticating a user, which is used for payment of a credit card; It is connected between the management device, the authentication number database unit, the home location register, and the control station, establishes a subscriber's call path and performs a connection with another communication network, and requests the authentication of the credit card holder from the management device. If there is a credit card holder by attempting to call the mobile communication terminal through the mobile communication network and verifying the identity by comparing the authentication number input through the mobile communication terminal connected to the authentication number stored in the authentication number database unit In the "credit card payment system using a mobile communication system," characterized in that it comprises an exchange that performs authentication for,

A card information reading and transmitting step of detecting information of a credit card desired for payment through a card size checker and transmitting the card information to a management device; The card information is read out and sent to the management device to receive the information on the transmitted credit card to authenticate the credit card. If the problem of credit card authentication does not occur, verify the credit card holder with the exchange bureau. A credit card authentication step of requesting and transmitting a message indicating that the credit card cannot be used when a problem occurs in the credit card verification to the card checker; As a result of performing the credit card authentication step, if the authentication for the credit card is normally processed and an authentication request signal is received from the credit card holder, the call connection to the mobile communication terminal used by the credit card holder is performed. After receiving the authentication number through the mobile communication terminal connected to the call, and compares the received authentication number with the authentication number stored in the authentication number database unit, if the value is matched authentication indicating that the credit card holder The method comprises a credit card holder authentication step of transmitting a signal to the management device to make a normal payment, and if it does not match, sending a signal indicating this to the management device to prevent payment. It is done.

In the present invention configured as described above, a "credit card payment system using a mobile communication system and a control method thereof", the management device authenticates the credit card, the exchange office authenticates the credit card holder, and the mobile communication terminal By possessing a credit card other than the person who knows the verification number, it prevents financial accidents caused by theft or loss.

Hereinafter, with reference to the accompanying drawings for an embodiment according to the spirit of the present invention configured as described above "credit card payment system and control method using a mobile communication system" as follows.

<Example>

First, as shown in FIG. 3, the credit card checker 10 and the management device 20 are connected through a communication means, and the management device 20 and the switching station 60 are connected, and then the switching station 60 ), The control station 50, the base station 40, the home position register 70, and the authentication number database unit 80 are connected to each other to constitute this embodiment.

On the other hand, among the credit card holders, the authentication number to be used for payment of the credit card is given to the subscriber who has requested the authentication of himself / herself through the mobile communication system.

Hereinafter, the operation and effects of the present embodiment will be described in detail.

In this description, the credit card holder is requested to authenticate the identity through the mobile communication terminal is given an authentication number.

Therefore, the authentication number database unit 80 is a database of information and authentication number for the mobile communication terminal used by the credit card holder.

First, when a credit card user requests a payment using a credit card, as shown in FIG. 4, the card information reading and transmitting step (S10) is performed to detect and manage information of a credit card desired for payment through a card size. To the device. Then, the management device 20, by performing the card information readout transmission step (S10) to receive the information on the transmitted credit card to perform authentication on the credit card, if there is no problem with the credit card authentication Request the credit card holder to the exchange bureau 60, and perform a credit card verification step (S20) of sending a message to the card checker 10 that the credit card cannot be used when a problem occurs in the credit card verification. Done.

In addition, when performing the credit card authentication step (S20), when the authentication request signal for the credit card holder is received by the exchange bureau 60, the credit card holder is normally used, the credit card holder used After attempting to call the mobile communication terminal 30 and receiving the authentication number through the mobile communication terminal 30 connected to the call, and compares the received authentication number with the authentication number stored in the authentication number database unit 80 When the values match, the credit card holder transmits an authentication signal indicating that the person is the user to the management device 20 to make a normal payment. If the values do not match, the signal indicating the credit card is transmitted to the management device 20. By performing the credit card holder authentication step (S30) to prevent the payment is made.

That is, if the management device 20 detects whether the suspension of use is a requested credit card due to loss or theft, and turns it into a credit card that can be used normally (if authentication for the credit card is completed), the exchange bureau At 60, a request signal is generated to confirm whether the credit card holder is the person.

Then, the exchange station 60 detects the mobile communication terminal number used by the credit card holder and its position, and attempts to connect the call to the mobile communication terminal 30 through the control station 50 and the base station 40. Done.

At this time, when a call is made, a message for inputting an authentication number for credit card payment is sent to the mobile communication terminal 30 through a guide message, and the authentication number is input from a person having a mobile communication terminal 30. Will receive.

Then, the switching center 60 compares the authentication number received through the mobile communication terminal 30 with the authentication number stored in the authentication number database 80, and if the values match, the management device sends the authentication signal to the management device. (20) to make a normal payment, otherwise the signal indicating that you are not to make a payment is not made.

Therefore, even if a credit card is lost or stolen, a mobile communication terminal or a leaked or stolen credit card can be prevented if a credit card is not leaked.

As described above, the present invention "credit card payment system using a mobile communication system and its control method", in particular, the authentication device for the credit card in the management device, the authentication of the credit card holder in the exchange office In addition, by possessing a mobile communication terminal and prohibiting the use of credit cards other than the person who knows the authentication number, it is possible to prevent financial accidents caused by theft and loss.

Claims (2)

A credit card checker for reading and transmitting information stored in the credit card and outputting payment details; The database includes information on the credit status of the customer, information on the use of the credit card, and information on the credit card in which an accident (lost or stolen) occurs. The credit card checker is connected to a credit card through a communication means. A management device which performs authentication on a card, requests authentication of a credit card holder, and transmits an authentication result to the credit card checker; A mobile communication terminal, which is a terminal device which selectively or simultaneously supports a service of an AMPS system and a service of a CDMA system, so that a subscriber can communicate through a mobile communication network; A base station connected to the mobile communication terminal through wireless communication and communicating with the mobile communication terminal using a protocol defined in a wireless section; A control station connected to the base station to control a radio link and a wire link, and to perform a handoff function for maintaining the continuity of a call while the subscriber is moving; A home location register for storing subscriber information; An authentication number database unit for each of the mobile communication terminals, the authentication number database unit storing and managing data on an authentication number for authenticating the identity used for payment of a credit card; It is connected between the management device, the authentication number database unit, the home location register, and the control station, establishes a subscriber's call path and performs a connection with another communication network, and requests the authentication of the credit card holder from the management device. If there is a credit card holder by attempting to call the mobile communication terminal through the mobile communication network and verifying the identity by comparing the authentication number input through the mobile communication terminal connected to the authentication number stored in the authentication number database unit Credit card payment system using a mobile communication system, characterized in that it comprises an exchange that performs authentication for. A credit card checker for reading and transmitting information stored in the credit card and outputting payment details; The database includes information on the credit status of the customer, information on the use of the credit card, and information on the credit card in which an accident (lost or stolen) occurs. The credit card checker is connected to a credit card through a communication means. A management device which performs authentication on a card, requests authentication of a credit card holder, and transmits an authentication result to the credit card checker; A mobile communication terminal, which is a terminal device which selectively or simultaneously supports a service of an AMPS system and a service of a CDMA system, so that a subscriber can communicate through a mobile communication network; A base station connected to the mobile communication terminal through wireless communication and communicating with the mobile communication terminal using a protocol defined in a wireless section; A control station connected to the base station to control a radio link and a wire link, and to perform a handoff function for maintaining the continuity of a call while the subscriber is moving; A home location register for storing subscriber information; An authentication number database unit for each of the mobile communication terminals, the authentication number database unit storing and managing data on an authentication number for authenticating the identity used for payment of a credit card; It is connected between the management device, the authentication number database unit, the home location register, and the control station, establishes a subscriber's call path and establishes a connection with another communication network, and requests the authentication of the credit card holder from the management device. If there is a credit card holder by attempting to call the mobile communication terminal through the mobile communication network and verifying the identity by comparing the authentication number input through the mobile communication terminal connected to the authentication number stored in the authentication number database unit In the control method of the "Credit card payment system using a mobile communication system," characterized in that it comprises an exchange that performs authentication for, The control method includes: a card information readout transmission step of detecting information of a credit card desired for payment through a card size checker and transmitting the card information to a management device; The card information is read out and sent to the management device to receive the information on the transmitted credit card to authenticate the credit card. If the problem of credit card authentication does not occur, verify the credit card holder with the exchange bureau. A credit card authentication step of requesting and transmitting a message indicating that the credit card cannot be used when a problem occurs in the credit card verification to the card checker; As a result of performing the credit card authentication step, if the authentication for the credit card is normally processed and an authentication request signal is received from the credit card holder, the call connection to the mobile communication terminal used by the credit card holder is performed. After receiving the authentication number through the mobile communication terminal connected to the call, and compares the received authentication number with the authentication number stored in the authentication number database unit, if the value is matched authentication indicating that the credit card holder The mobile communication system comprising a credit card holder authentication step of transmitting a signal to the management device to make a normal payment, and if it does not match, transmits a signal indicating this to the management device to prevent payment. Control method of credit card payment system using.