KR20020082930A - Device and method for making firm card settlement using mobile communication cellular phone - Google Patents

Abstract

PURPOSE: A device and method for checking a payment by a card using a mobile communication terminal is provided to prevent a card from being used illegally by enabling a card user to check the payment directly through a mobile communication terminal of the user when the card user uses a plurality of cards. CONSTITUTION: A card user(100) pays a price and a cash service. A card reader(200) reads card information, outputs reading information, and displays payment approval information for approving a payment of a card used by the user. A card company server(300) receives and outputs reading information output in the card reader(200), outputs card usage information of the user(100), and receives/outputs payment approval information and payment confirmation information, or payment cancellation information. A card payment approval institution(400) receives the output reading information, approves the card used by the user(100), outputs the corresponding payment approval information to the card company, and cancels a payment approval corresponded to the payment confirmation information. A web server(500) receives and stores card usage information output in the card company server(300), outputs card usage information, receives payment approval information or payment confirmation information, and outputs the information to the card company server(300). A switching network(600) receives card usage information output in the web server, outputs the information through a wireless Internet network, and receives/outputs the payment approval information or payment confirmation information. A mobile communication terminal(700) receives the card usage information through the wireless Internet network, displays the information for a user's confirmation, and outputs the payment approval information or payment confirmation information.

Description

DEVICE AND METHOD FOR MAKING FIRM CARD SETTLEMENT USING MOBILE COMMUNICATION CELLULAR PHONE}

The present invention relates to an apparatus and method for confirming card payment using a mobile communication terminal. In particular, when a plurality of cards possessed by a card user are used through various affiliated stores, payment of the card user's use of the card is moved. The present invention relates to an apparatus and method for confirming card payment using a mobile communication terminal, which allows a card user to directly check through a communication terminal.

In general, due to the rapid development of the industry, the spread of credit cards is increasing day by day, becoming an indispensable element of modern people.

While such a credit card is a very convenient system, it also causes many problems, and among them, the problem of occurrence of card use by another person who acquires a lost card is the biggest problem.

However, the above-mentioned problem is caused by the loss of the card holder of the card holder, and at present, when a specific person possesses a large number of various credit cards of various card companies, the loss of the card occurs. There was a hassle of having to report the loss of the card to the card company one by one, and there was a problem that illegal use by the lost card acquirer could occur in between.

In addition, if the card user notifies the card company that the card company is lost or stolen while the card is lost or stolen, the card company denies the card that occurred before or after a certain period of time from the point of receipt of the card loss or theft report from the card user. There is a problem that a huge cost loss occurs because the card company compensates for the amount used.

In addition, the card user had to pay a certain amount of money per card lost to the card company when the card is lost, the card user also had a problem that the economic loss caused by the card loss.

Accordingly, the present invention is to solve the above-mentioned conventional problems, the object of the present invention when using a plurality of cards possessed by the card user, through the card user's mobile communication terminal to pay for the use of the card By allowing the card user to check directly, the card user can not only prevent crimes caused by the illegal use of the stolen or lost card, but also allow the card user to know the usage history of the card when the card is used in real time. The present invention provides a card payment confirmation device and method using a mobile communication terminal to prevent economic losses that may occur in the card user and card company.

In order to achieve the above object, the card payment confirmation device using the mobile communication terminal of the present invention, a card user for paying the billing or cash service using a plurality of cards in possession,

A card reader for reading card information and outputting read information to approve payment of a card used by the card user, and displaying payment approval information;

A card company server for receiving and outputting read information output from the card reader and outputting card use information of the corresponding card user, and receiving and outputting payment approval information, payment confirmation information or payment cancellation information; ,

A card that receives the read information output from the card company server, approves the card used by the card user, outputs the corresponding payment approval information to the card company, and cancels the payment approval corresponding to the payment cancellation information. Billing authority,

While receiving and using the card usage information output from the card company server, and outputting the card usage information so that the card user can check the payment according to the card usage, while receiving payment confirmation information or payment cancellation information, the card company A web server that outputs to the server,

An exchange network that receives card usage information output from the web server and outputs it through a wireless Internet network, and receives and outputs payment confirmation information or payment cancellation information; and

A mobile communication terminal that receives the card usage information output from the switching network through a wireless Internet network and displays the card user so that the card user can check it, and outputs payment confirmation information or payment cancellation information according to the card usage by a card user's operation. Characterized in that consisting of.

On the other hand, the card payment confirmation method using the mobile communication terminal of the present invention comprises the step of determining the card usage information input whether the card usage information according to the card usage of the card user from the card company server in the web server;

If the card usage information according to the card usage is not input from the card company server in the step of determining whether to use the card usage information, the process returns to the step of determining whether to use the card usage information, and if entered, the web server determines whether the card user is a member. Judging the membership status,

If the card user is a member in the membership determination step, the web server stores the card use information according to the card use of the card user, and outputs the card use information so that the card user can confirm the payment according to the card use. Outputting card usage information

In the switching network, receiving the card usage information output from the web server and outputting the wireless Internet network using card usage information output through the wireless Internet network,

In the mobile communication terminal, the card usage information display step of receiving the card usage information output from the switching network via a wireless Internet network for display so that the card user can check;

The web server determines whether the card user inputs the payment information according to the card usage information through the mobile communication terminal;

When the card user inputs the payment information through the mobile communication terminal in the step of determining whether to input the payment information, the web server inputs the payment confirmation information for confirming the payment information according to the use of the card through the mobile communication terminal. Determining whether to enter the payment confirmation information to determine whether or not, and

When the card user inputs the payment confirmation information for confirming the payment information in the step of determining whether to input the payment confirmation information, the web server comprises a payment confirmation information output step of outputting the payment confirmation information to the card company server. .

1 is a block diagram showing a card payment confirmation device using a mobile communication terminal according to an embodiment of the present invention;

2 is a flowchart illustrating a card payment confirmation method using a mobile communication terminal according to an embodiment of the present invention.

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

100: card user 200: card reader

300: card company server 400: card payment approval authority

500: web server 600: switching network

700: mobile communication terminal

Hereinafter, an apparatus and method for confirming card payment using a mobile communication terminal according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram showing a card payment confirmation device using a mobile communication terminal, Figure 2 is a flow chart showing a card payment confirmation method using a mobile communication terminal.

1, the card user 100, the card reader 200, the card company server 300, the card payment approval authority 400, the web server 500, the exchange network 600 and mobile as shown in FIG. It consists of a communication terminal 700, the card user 100 serves to pay for goods, payment or cash service using a plurality of cards in possession.

In addition, the card reader 200 reads card information and outputs read information to approve payment of a card used by the card user 100, and displays payment approval information. The card company server In operation 300, the read information output from the card reader 200 is input and output, and at the same time, the card user information of the card user 100 is correspondingly outputted, and payment approval information, payment confirmation information, or payment cancellation. It receives and outputs information.

Subsequently, the card payment approval authority 400 receives the read information output from the card company server 300 to approve the card used by the card user 100 and the corresponding payment approval information is provided to the card company. And the payment approval process according to the payment cancellation information.

In addition, the web server 500 receives and stores the card usage information output from the card company server 300 and outputs card usage information so that the card user 100 can check the payment according to the card usage. On the other hand, it receives the payment confirmation information or payment cancellation information and serves to output to the card company server (300).

On the other hand, the switching network 600 receives the card usage information output from the web server 500 and outputs it through the wireless Internet network, while receiving and outputting payment confirmation information or payment cancellation information, and the mobile The communication terminal 700 receives the card usage information output from the switching network 600 through the wireless Internet network and displays the card user 100 so that the card user 100 can check the card usage information. It serves to output the payment confirmation information or payment cancellation information according to.

Hereinafter, the operation of the card payment confirmation device using the mobile communication terminal configured as described above are as follows.

After visiting the card merchant to use a plurality of cards possessed by the card user 100, for example, the cost of purchasing goods or food at a department store, various franchises, restaurants, or amusement parks, or paying with a card When the cash machine makes a payment using the card, the card reader 200 reads the card information and outputs the read information to approve the payment of the card used by the card user 100.

Then, the card company server 300 receives and outputs the read information output from the card reader 200 and at the same time outputs the card usage information of the card user 100 corresponding thereto, the card payment approval authority 400 ) Accepts the card used by the card user 100 receives the read information output from the card company server 300.

Subsequently, the card company server 300 receives and outputs payment approval information from the card payment approval authority 400, and the card reader 200 inputs payment approval information output from the card company server 300. The card user 100 displays that the payment is approved according to the use of the card.

On the other hand, the web server 500 receives and stores the card usage information output from the card company server 300, and outputs the card usage information so that the card user 100 can check the payment according to the card usage do.

Subsequently, the switching network 600 receives the card usage information output from the web server 500 and outputs it through the wireless Internet network, and the mobile communication terminal 700 wirelessly stores the card usage information output from the switching network 600. The card user 100 receives an input through an internet network and displays the card user 100 so that it can be checked.

In this case, the mobile communication terminal 700 outputs the payment confirmation information or the payment cancellation information according to the use of the card by the operation of the card user 100. For example, the card user 100 outputs the payment confirmation information. Then, payment confirmation information is output to the card company server 300 through the exchange network 600 and the web server 500.

On the other hand, when the card user 100 outputs the other payment cancellation information for the use of the card through the mobile communication terminal 700, the payment to the card company server 300 through the exchange network 600 and the web server 500 The cancellation information is output, and the card company server 300 receives the payment cancellation information and outputs it to the card payment approval authority 400.

Then, the card payment approval authority 400 receives the payment cancellation information output from the card company server 300 and cancels the authorization of the card used by the card user 100 and then cancels the processing information on the card company server. By outputting to the card reader 200 through the 300, the payment confirmation according to the card use of the card user 100 can be made clear, thereby minimizing the use of the lost or stolen card.

On the other hand, a card payment confirmation method using a mobile communication terminal described in more detail as shown in Figure 2, using the card according to the use of the card of the card user 100 from the card company server 300 in the web server 500 It is determined whether information is input (S100).

If the card usage information according to the card usage is not input from the card company server 300 in the step of determining whether the card usage information is input (S100), the process returns to the step of determining whether the card usage information is input (S100), and if the The web server 500 determines whether the card user 100 is a member (S200).

In addition, if the card user 100 is a member in the membership determination step (S200), the web server 500 stores the card usage information according to the card use of the card user 100, the card user 100 ) Outputs the card usage information so that the payment can be confirmed according to the use of the card (S300).

Then, the switching network 600 receives the card usage information output from the web server 500 and outputs it through the wireless Internet network (S400), the mobile communication terminal 700 is output from the switching network 600 The card user information is input through the wireless Internet network and displayed so that the card user 100 can check it (S500).

Subsequently, the web server 500 determines whether the card user 100 inputs the payment information according to the card usage information through the mobile communication terminal 700 (S600), and determines whether to input the payment information (S600). When the card user 100 inputs the payment information through the mobile communication terminal 700 in S600, the card user 100 uses the card payment through the mobile communication terminal 700 in the web server 500. It is determined whether the payment confirmation information for confirming the information has been input (S700).

In addition, when the card user 100 inputs the payment confirmation information for confirming the payment information in the determining whether the payment confirmation information is input (S700), the web server 500 sends the payment confirmation information to the card company server 300. Outputs (S800).

Then, the card company server 300 receives the payment confirmation information output from the web server 500 to maintain the payment approval information according to the card use in the card payment approval authority 400.

On the other hand, if the card user 100 is not a member in the membership determination step (S200), the web server 500 requests the member to join the card user 100 through various communication means after the card user 100 It is determined whether or not access to the home page confirming the payment according to the use of the card through the mobile communication terminal 700 (S210).

In addition, in the homepage connection determination step (S210), if the card user 100 does not access the homepage, the web server 500 determines whether or not the card user 100 will register as a member. (S220).

Subsequently, if the card user 100 does not register as a member in the member registration determination step (S220), the card user 100 terminates. If the user joins, the web server 500 holds a plurality of card information owned by the card user 100 and this. It is determined whether or not corresponding personal information has been input (S230).

At this time, if the card information and personal information input determination step (S230) does not enter a plurality of card information and the corresponding personal information possessed by the card user 100, the card information and personal information input determination step ( Returning to the step S220, if input, the web server 500 stores a plurality of card information input by the card user 100 and corresponding personal information (S240).

On the other hand, if the card user 100 does not enter the payment information through the mobile terminal 700 in the step of determining whether the payment information is input (S600), the web server 500 uses the wired network to the card reader ( The real name of the card user 100, for example, through the landline telephone of the card merchant where 200 is installed, informs the social security number of the subscriber information stored when registering as a member, and the social security number described on the card user's ID card. This can be confirmed by comparing.

In addition, when the card user 100 does not input the payment information through the mobile communication terminal 700 in the step of determining whether to input the payment information (S600), the web server 500 has a card reader installed at the card affiliate store. The real name of the card user 100 may be confirmed by displaying personal information of the card user 100, for example, an “address or social security number” on the 200.

Subsequently, when the card user 100 does not input the payment confirmation information for confirming the payment information in the determining whether the payment confirmation information is input (S700), the card user 100 in the web server 500 is the mobile communication. It is determined whether payment cancellation information is input through the terminal 700 (S710).

At this time, if the card user 100 does not input the payment cancellation information in the payment cancellation information input determination step (S710), the process returns to the payment information input determination step (S600), and if the web server 500 enters Payment cancellation information according to the use of the card of the card user 100 to the card payment approval authority 400 through the card company server 300 (S720), the card payment approval authority 400 the payment cancellation information The card user 100 receives the input and cancels the payment approval according to the card use (S730).

On the other hand, if the card user 100 is registered as a member through the card company server 300 in the membership determination step (S220), the card company server 300 in accordance with the membership of the card user 100 membership card It transmits the information and personal information to the web server 500.

As described above, the card payment confirmation device and method using the mobile communication terminal of the present invention, when using a plurality of cards possessed by the card user, the card user through the card user's mobile communication terminal to pay for the use of the card Allows users to directly check and prevent crimes caused by the illegal use of stolen or lost cards, as well as real-time card usage history when the card user uses the card. It is possible to prevent the economic loss that can occur at the user and the card company, and the card reader or the landline telephone installed in the card merchant can verify the cardholder's real name.

Claims (7)

Cardholders who make payments or cash advances using multiple cards they have, A card reader for reading card information and outputting read information to approve payment of a card used by the card user, and displaying payment approval information; A card company server for receiving and outputting read information output from the card reader and outputting card use information of the corresponding card user, and receiving and outputting payment approval information, payment confirmation information or payment cancellation information; , A card that receives the read information output from the card company server, approves the card used by the card user, outputs the corresponding payment approval information to the card company, and cancels the payment approval corresponding to the payment cancellation information. Billing authority, While receiving and using the card usage information output from the card company server, and outputting the card usage information so that the card user can check the payment according to the card usage, while receiving payment confirmation information or payment cancellation information, the card company A web server that outputs to the server, An exchange network that receives card usage information output from the web server and outputs it through a wireless Internet network, and receives and outputs payment confirmation information or payment cancellation information; and A mobile communication terminal that receives the card usage information output from the switching network through a wireless Internet network and displays the card user so that the card user can check it, and outputs payment confirmation information or payment cancellation information according to the card usage by a card user's operation. Card payment confirmation device using a mobile communication terminal, characterized in that consisting of. Determining whether card usage information is input from the card company server to determine whether card usage information corresponding to card use by a card user is input from the web server; If the card usage information according to the card usage is not input from the card company server in the step of determining whether to use the card usage information, the process returns to the step of determining whether to use the card usage information, and if entered, the web server determines whether the card user is a member. Judging the membership status, If the card user is a member in the membership determination step, the web server stores the card use information according to the card use of the card user, and outputs the card use information so that the card user can confirm the payment according to the card use. Outputting card usage information In the switching network, receiving the card usage information output from the web server and outputting the wireless Internet network using card usage information output through the wireless Internet network, In the mobile communication terminal, the card usage information display step of receiving the card usage information output from the switching network via a wireless Internet network for display so that the card user can check; The web server determines whether the card user inputs the payment information according to the card usage information through the mobile communication terminal; When the card user inputs the payment information through the mobile communication terminal in the step of determining whether to input the payment information, the web server inputs the payment confirmation information for confirming the payment information according to the use of the card through the mobile communication terminal. Determining whether to enter the payment confirmation information to determine whether or not, and When the card user inputs the payment confirmation information for confirming the payment information in the step of determining whether the payment confirmation information is input, the web server comprises a payment confirmation information output step of outputting payment confirmation information to the card company server. Card payment confirmation method using a mobile terminal. The mobile communication terminal of claim 2, wherein if the card user is not a member in the membership determination step, the web server requests a membership registration and then the card user makes a payment according to the card user's card use through various communication means. Determining whether or not to access the homepage to determine whether the user accesses the homepage confirmed through the homepage; In the homepage connection determination step, if the card user does not access the homepage, and terminates, and in the web server, the web server determines whether or not the card user subscribes as a member; If the card user does not register as a member in the member registration determination step, the card user ends. If the card user joins, the web server determines whether the card user inputs a plurality of card information and corresponding personal information. Determining whether or not to input personal information; And In the determining whether the card information and the personal information is input, if the card user and the corresponding personal information are not inputted by the card user, the process returns to the step of determining whether the card information and the personal information is input. And a subscriber information storing step of storing a plurality of card information input by the card user and corresponding personal information. The card server of claim 2, wherein if the card user does not input payment information through a mobile communication terminal in the step of determining whether to input payment information, the web server uses a wired telephone network to connect a card through a wired telephone installed in the card affiliate store. Card payment confirmation method using a mobile communication terminal, characterized in that the user's real name can be confirmed. The card server of claim 2, wherein if the card user does not input the payment information through the mobile communication terminal in the step of determining whether to input the payment information, the web server displays personal information of the card user on a card reader installed at the card affiliate store. Card payment confirmation method using a mobile communication terminal, characterized in that to confirm the real name of the card user. The card user of claim 2, wherein the card user inputs payment cancellation information through the mobile terminal in the web server, when the card user does not input payment confirmation information for confirming payment information. Determining whether or not to input payment cancellation information for determining whether the payment has been made; If the card user does not input the payment cancellation information at the step of determining whether to cancel the payment information, the process returns to the step of determining whether to input the payment information, and when the web server enters the payment cancellation information according to the card user's use of the card, the card company Payment cancellation information output step of outputting to the card payment approval authority through the server; And The card payment approval authority receives a payment cancellation information input card cancellation confirmation processing step of canceling the payment approval process, characterized in that the card payment confirmation using a mobile communication terminal. The card company server of claim 3, wherein when the card user registers as a member through a card company server, the card company server transmits card information and personal information according to card user membership to the web server. Card payment confirmation method using a mobile communication terminal, characterized in that.