KR20010091256A - System and method for banking cards payment through communication network - Google Patents

Abstract

PURPOSE: A system and a method of card payment using a communication network is provided to enable a card user. a card member store, a company, and other users to receive cash directly by using a debit card in a wire/wireless communication regardless of time or place. CONSTITUTION: In a wire/wireless communication network being connected to a client managing server(80) by unifying a path through a wireless communication transmitting/receiving device(40), a path through a VAN server(90) or a path through an internet PC(100), an input processing unit(10) is connected to the wire/wireless communication network and transmits a user certification and a debit card payment requesting input. An exact calculating server(60) transmits information as a contents detail, a charge, charging contents, and receiving contents in accordance with a request of an input processing unit(10) or the client managing server(80). Also, the exact calculating server(60) stores new or modified information in a data managing DB(70).

Description

System and method for banking cards payment through communication network

The present invention relates to a card payment system and method using a communication network, and more particularly, card users, card merchants, companies, and other users are not limited to time and place, and efficiently using direct / prepaid cards over wired and wireless communication. The present invention relates to a card payment system and a method using a communication network that can receive a payment or payment directly.

Currently, the most commonly used card payment system in wired and wireless communication networks is card payments used by card companies and banks. Until now, wireless carriers, PCS phones, IMT (International Mobile Assistants) 2000, personal digital assistants (PDAs), and wireless card payment systems have not been commercialized. It does not satisfy customers or companies in terms of convenience and efficiency.

In other words, companies and card users are inconvenient due to the lack of a card payment system that can connect and replace PC, Internet, PCS phone, IMT 2000, PDA, etc. using wired and wireless communication. Distrust and financial inefficiency have been a factor.

Accordingly, the present invention is to solve the above-mentioned inconvenience, so that card users, card merchants, companies, and other users can receive cash directly using a direct / prepaid card in wired and wireless communication efficiently without being restricted by time and place. It is an object of the present invention to provide a card payment system and method using a communication network.

Another object of the present invention is to overcome the limitations on the efficiency and convenience of the conventional card payment system and to pay more quickly and accurately in connection with wireless communication anytime, anywhere.

1 is an exemplary view showing the overall configuration of a system according to the present invention.

FIG. 2 is a block diagram schematically illustrating a connection state of main parts of FIG. 1;

3 is an exemplary view showing an example of an input processor according to the present invention;

Figure 4 is an exemplary diagram showing the division of the payment step using the system of the present invention.

※ Code explanation about main part of drawing ※

10: input processor 20: mobile terminal

30: transmission repeater 40: wireless communication transceiver

50: data conversion and connection device 60: settlement server

70: data management DB 80: customer management server

90: VAN server 100: Internet PC

In order to achieve this object, the present invention provides a path through a mobile terminal 20, a transmission repeater 30, a wireless communication transceiver 40, or a path through a VAN server 90, or through an Internet PC 100. A wired / wireless communication network in which a path is integrated and connected to a customer management server 80, the wired / wireless communication network comprising: an input processor 10 connected to the wired / wireless communication network to transmit user authentication and a direct / prepaid card payment request input; And according to the request of the input processor 10 or the customer management server 80 transmits information such as usage history, charges, claims, storage items, and stores new or changed information on the data management DB (70) Characterized in that the settlement server comprises a 60.

As another aspect of the present invention, a path through the mobile terminal 20, the transmission repeater 30, the wireless communication transceiver 40, or a path through the VAN server 90, or a path through the Internet PC (100) Method of payment on a wired or wireless communication network integrated and connected to the customer management server 80: In the input processor 10 to input the payment request through the mobile terminal 20, VAN server 90 or the Internet PC (100) A first step of constructing an online line for the first step ST10; A second step (ST20) of authenticating a customer with a card number, a password, etc., and performing a settlement at the settlement server 60 through a data conversion and connection device 50; And a third step (ST30) of storing the information according to the settlement of the specific customer in the data management DB 70 and transmitting it to the wired / wireless communication network.

In this case, the input processor 10 is integrally provided with a contact processing unit 13 and a non-contact processing unit 14 of the direct / prepaid card.

As such, the general debit card system is introduced to wired and wireless communication networks including the Internet and mobile phones, so that the PCS phone or IMT (International Mobile Telecommunication), which is a data transmission method for terminal and mobile terminal therefor, is not restricted by time and environment. 2000, Personal Digital Assistants (PDAs), Internet PCs, and other devices allow you to pay your bills or cash anytime, anywhere with a direct or prepaid card, reducing user's convenience and cash anxiety. It can contribute to the development of the financial market by mass-producing financial and card companies that can guarantee the convenience and reliability of the company.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is an exemplary view showing the overall configuration of a system according to the present invention, Figure 2 is a block diagram schematically showing the connection state of the main part of FIG.

The present invention integrates the path through the mobile terminal 20, the transmission repeater 30, the wireless communication transceiver 40, or the path through the VAN server 90, or the path through the Internet PC (100) customer management This is performed by accessing the settlement server 60 through the input processor 10 on the wired / wireless communication network connected to the server 80.

The input processor 10 includes a means for inputting a payment of a direct / prepaid card, and the mobile terminal 20 receives the card number, password, charge amount, payment amount, payment time, and other information from the input processor 10. Send and receive The data transmitted from the mobile terminal 20 is received by the wireless communication transceiver 40 via the transmission repeater 30. The wireless communication transceiver 40 includes a mobile switch center (MSC), a mobile application protocol (MAP), a short message service center (SMSC), an inter working function (IWF), a short message service (SMS) server, and the like.

In addition to the wireless communication path described above, the wired communication path through the customer management server 80, the VAN server 90, and the Internet PC 100 is integrated into one network. Customer management server 80 is a financial and card company system to provide cash information and payment processing by request through a wired or wireless communication network. VAN server 90 is a system mainly installed in the card merchant does not differ significantly from the customer management server (80). When using the Internet PC (100) at home or work is connected to the Internet through a separate ISP server.

The settlement server 60 according to the present invention verifies, processes, stores, and manages usage data received from the input processor 10, the customer management server 80, the VAN server 90, and the Internet PC 100. It processes other tasks, transmits the results and simultaneously stores them in the data management DB 70. The data management DB 70 is a place for classifying, storing, and managing various data so that the user's request information or history information can be registered, deleted, updated, and retrieved from the settlement server 60.

Unexplained data conversion and connection device 50 is connected to the wireless communication transceiver 40, customer management server 80, VAN server 90, Internet PC 100, etc. to the settlement server 60 to signal Convert and distribute. The data conversion and connection device 50 includes terminal equipment such as CSU, FDSU, DSU, router, hub, and the like.

3 is an exemplary diagram showing an example of an input processor according to the present invention.

The input processor 10 according to the present invention checks the amount of money deposited from a financial institution and charges it as necessary or pays cash using the amount charged on the card. Are classified. The input processor 10 of the present invention is integrally provided with a contact processor 13 and a non-contact processor 14 of a direct / prepaid card. In addition, a keypad 11 and an LCD display 12 for inputting information are provided.

The contact method is used to check the deposit information from the financial institution to charge the amount required for the debit / prepaid card, and to charge the card as much as necessary, or when the user wants to pay the amount after the commerce, It is used to enter the amount and pay on the card.

The contactless method is used to select and pay cash with a charged card, and read and process only a predetermined amount of money charged from a card machine without transmitting or receiving information to a server for settlement. For example, in the case of watching a movie using a card, the card is contacted through an input processor installed at the entrance of the theater so that the amount of money charged by the theater is settled on the card.

In the present invention, the contact method and the non-contact method can be processed by a single input processor 10 to enable real-time service through wired / wireless communication anytime and anywhere without being restricted by time and place. When the card is inserted into the contact processor 13 and the keypad 11 is pressed to input information such as a card number, a password, a charged amount, and a settled amount, the input information is displayed on the display 12. Thereafter, data transmission and reception with the settlement server 60 is performed, and the desired service is processed, which is also displayed on the display 12. When the card is placed on the non-contact processing unit 14, a certain amount of money charged in the card is settled and displayed on the display 12. The subsequent process is the same as described above.

4 is an exemplary diagram showing the payment steps using the system of the present invention.

The first step ST10 according to the present invention configures an online line for inputting a payment request through the mobile terminal 20, the VAN server 90, or the Internet PC 100 in the input processor 10, and the second step. (ST20) authenticates the customer by the card number, password, etc. and performs the settlement in the settlement server 60 via the data conversion and connection device 50, the third step (ST30) is the information according to the settlement of the specific customer It is stored in the data management DB 70 and transmitted to the wired / wireless communication network.

When a wired / wireless communication user purchases a product or makes a transaction and tries to pay cash using a direct / prepaid card, if the cash is sufficiently charged in the card, the payment is made in a contactless manner using the input processor 10. If the cash is insufficient, after entering the amount to be charged, the mobile terminal 20, the Internet PC (100) and the like to request the settlement server 60 to charge.

The requested data is connected to the customer management server 80 in the settlement server 60, the mobile terminal 20, VAN server 90, Internet PC (100) requesting the charge information and the result by using the cash information or usage information of the use requester ), And adds, changes, deletes, inquires, and manages the processing matters and use history to the data management DB (70). The settlement server 60 is run 24 hours without interruption to handle the task is connected online to process all the requested work 24 hours a day, seven days a week.

At this time, the input processor 10, the mobile terminal 20 or the Internet PC 100 is connected to each other using a data communication cable, the mobile terminal 20 and the settlement server 60 is a wireless communication transceiver 40 in the CDMA network Connect via). The signal connected wirelessly to the wireless communication transceiver 40 is connected to the settlement server 60 using a TCP / IP protocol using a dedicated line in the internal On-Line SMS Server or Inter Working Function to transmit and receive data. This is done. Data transmission and reception with the VAN server 90 or the Internet PC 100 using a dedicated line is also connected to the settlement server 60 by a socket program using the TCP / IP protocol.

The protocol layer is a logical unit of data by correcting and retransmitting an error detection for a bit string received through a LAN physical layer which is responsible for transmitting and receiving a bit string through a LAN channel with a peripheral device connected by the LAN channel. It is preferable to include a TCP / IP layer for performing file transmission control, a protocol, and an Internet protocol as a protocol of a LAN link layer and a higher layer, which perform a role of securely transmitting a protocol.

The settlement server 60 is an input processor 10, when there is a request for information or payment processing, customer management information including user history or usage status information, marketing and sales information including statistical data, and customer usage history. Access to the data management DB (70) with billing information, billing information, storage information and other information to retrieve the information of the customer as a member and transmit the result. In this process, it is necessary to maintain accurate and secure to prevent accidents that may occur during financial transactions.

Cardholders can improve the quality of financial services by doing commerce and paying or paying the required amount according to the situation. By using a password or being provided with the user's personal information basically provided in the mobile terminal 20, etc., security problems are solved and the activation and stability of commerce are secured.

According to the above configuration and operation, the present invention allows card users, card merchants, companies, and other users to receive cash or pay directly using direct / prepaid cards on wired / wireless communication efficiently without being restricted by time and place. It works.

It is apparent to those skilled in the art that the present invention is not limited to the described embodiments, and that various modifications and variations can be made without departing from the spirit and scope of the present invention. Therefore, such modifications or variations will have to belong to the claims of the present invention.

Claims (3)

The path through the mobile terminal 20, the transmission repeater 30, the wireless communication transceiver 40, the path through the VAN server 90, or the path through the Internet PC 100 is integrated to the customer management server 80 For wired and wireless networks connected to): An input processor 10 for accessing the wired / wireless communication network and transmitting user authentication and direct / prepaid card payment request input; And In accordance with the request of the input processor 10 or the customer management server 80, the transfer of information, such as usage history, charges, billings, items, etc., and to settle the new or changed information stored on the data management DB (70) Card payment system using a communication network comprising a server (60). The path through the mobile terminal 20, the transmission repeater 30, the wireless communication transceiver 40, the path through the VAN server 90, or the path through the Internet PC 100 is integrated to the customer management server 80 Here's how to make a payment on your wired or wireless network: A first step (ST10) of constructing an online line for inputting a payment request through the mobile terminal 20, the VAN server 90, or the Internet PC 100 in the input processor 10; A second step (ST20) of authenticating a customer with a card number, a password, etc., and performing a settlement at the settlement server 60 through a data conversion and connection device 50; And And a third step (ST30) of storing information according to a specific customer's settlement in a data management DB (70) and transmitting it to the wired / wireless communication network. The method according to claim 1 or 2, The input processor (10) is a card payment system and method using a communication network, characterized in that it comprises a non-contact processing unit (13) and a non-contact processing unit (14) of the direct / prepaid card.