KR20020085623A - Method and system for transmitting one time credit number and settling accounts by using mobile phone - Google Patents

Abstract

PURPOSE: A method and a system for a disposable credit card number transmission and payment service by using a mobile communication terminal are provided to accomplish the security of a credit card payment device without faults and to completely prevent the misuse of a credit card by transmitting a disposable credit card number to the mobile communication terminal of a user. CONSTITUTION: A mobile telecommunication operator(30) runs a communication network(100) and applies an authenticated user telephone number to a subscriber. A credit card company(20) issues the disposable credit card number related with the number of a mobile communication telephone(10) of the user. A credit card member merchant(50) has a credit card number reader(52) and performs payment by using the credit card. A service operator(40) related with the credit card company is networked by the communication network. The credit card company and the service operator transmit the disposable credit card number with response to the request of the user. The user pays by using the disposable credit card number.

Description

Method and system for transmitting one time credit number and settling accounts by using mobile phone}

The present invention relates to a single-use credit card number delivery and payment service method and system using a mobile communication terminal, and more specifically, a disposable credit card that can be used only for one-time purchase payment when a payment request is made according to credit (card) purchase. One-time credit card number delivery and payment service method and system that can completely complement the credit card payment method by passing the number to the user's mobile terminal and prevent the malicious use caused by the loss of the credit card. It is about.

As a matter of fact, cash or credit card is used as a payment method for purchasing goods and using services in daily life. In other words, cash or credit cards are generally used as a general and common commerce payment method. Cash payments are widely used in offline commerce, and credit card payments are widely used in both offline and online commerce. Currently, payment by credit card is becoming more common due to the maturity and stabilization of the credit society, and credit card payment is increasing more and more with the increase of the daily life of the Internet and the commerce of the Internet.

As described above, a credit card for credit settlement is a card issued to a specific member as a proof of deferring the collection of goods and services for a certain period of time, and the card specifies a card identification number and an expiration date for identifying the member. The expiry date of the use is specified.

Members who have been issued a credit card as a contract with a card issuer can purchase goods or services at affiliated stores, etc., and present the card issued by the issuing company and sign the slip. It is a well known fact. Since the money is automatically transferred from the member's deposit account to the merchant account after a certain period of sale through the issuing company's bank, the member must make a deposit until the payment is made.

Meanwhile, with the advent of the information and telecommunications era, the number of mobile communication subscribers is exploding, and the increase is expected to continue. Accordingly, mobile service providers have developed and provided various additional services in addition to communication services to secure new subscribers and service existing subscribers.

However, such a credit card can cause a lot of problems by being illegally used by a malicious user when it is lost (or stolen) or when the card number is leaked. In other words, if a lost or stolen credit card is used by an illegal user, or if an illegal user who recognizes the card number of another person purchases goods and services through the Internet commerce using the card number, the original owner will suffer considerable damage. There is no choice but to. This can be attributed to the fact that the credit card number is permanently fixed and consists of a number code that can be recognized. Therefore, credit cards that are commonly used have the problem of potential weakness.

The present invention was created in order to solve the above problems, by passing a one-time use credit card number that can be used only for one-time purchase payment only when the payment request according to credit (card) purchase to the user's mobile communication terminal credit card It is an object of the present invention to provide a one-time credit card number delivery and payment service method and system using a mobile communication terminal that can completely compensate for a payment method and prevent the malicious use caused by the loss of a credit card.

1 is a block diagram of a disposable credit card number delivery and payment service system using a mobile communication terminal according to the present invention.

2 is a flow chart of a one-time credit card number delivery and payment service method using a mobile communication terminal according to the present invention.

<Description of the code | symbol about the principal part of drawing>

10: mobile communication terminal 20: card company

30: mobile communication service provider 40: service provider

50: credit card merchant 54: contact recognition code reader

56: contactless non-recognized signal code recognizer

Disposable credit card number delivery and payment service method using a mobile communication terminal according to the present invention for achieving the above object, by receiving a credit card number corresponding to the use number of the mobile communication terminal from a credit card company to the mobile communication terminal; Installing; Receiving a one-time credit card number necessary for payment of a corresponding purchase activity from the credit card company using the mobile communication terminal when making a credit payment; And the step of making a credit payment for the corresponding purchase act with the one-time credit card number. The one-time use of the one-time credit card number is prohibited.

In a preferred embodiment of the present invention, the disposable credit card number may be a recognition code such as a number and a contact non-recognition code such as a barcode read by a corresponding reader and a wireless Bluetooth recognition by a predetermined recognizer. It consists of any one of the non-contact, non-aware signal codes.

In a preferred embodiment of the present invention, when the disposable card number composed of the contactless non-recognition code signal is recognized by the recognizer, the mobile communication terminal user can visually confirm the recognition processing situation.

In a preferred embodiment of the present invention, the password for the user confirmation of the mobile communication terminal is configured to be linked to the authentication method by the input of numbers and letters or the speaker authentication method by voice input.

Disposable credit card number delivery and payment service system using a mobile communication terminal according to the present invention for achieving the above object, a mobile communication service provider operating a communication network and giving the authenticated user phone number to the user, the user phone number A card company that issues a one-time card number associated with the card company, a credit card affiliated business that has a credit card number inquiry processor, and is capable of using a credit card payment; The service provider is networked by a predetermined communication network, the card company and the service provider delivers a disposable card number when requested by the mobile communication terminal user, and the mobile communication terminal user who receives the disposable card number receives the disposable card number. To make a payment It has its features.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of a disposable credit card number delivery and payment service method and system using a mobile communication terminal according to the present invention. Terminologies used herein are terms defined in consideration of functions in the present invention, which may vary according to the intention or custom of a person skilled in the art, and the definitions are based on the contents throughout this specification. Will have to be lowered.

First, referring to FIG. 1, a disposable credit card delivery and payment service system using a mobile communication terminal according to the present invention includes a mobile communication service provider 30 operating a communication network and giving subscribers an authenticated user phone number. Credit card affiliates 50 that have a credit card number issuing processor 52 and a credit card number inquiry processor 52 for issuing a disposable card number associated with a mobile communication phone number of the user of the communication terminal 10. And a service provider, which is associated with the card company 20 and performs a business related to issuing and processing a disposable card number, is networked by the communication network 100.

In the present invention, the card company 20 and the service provider 40 transfers the disposable card number when the mobile communication terminal 10 user requests, and the user of the mobile communication terminal 10 that has received the disposable card number is the above. Payment is made using a disposable card number.

1 and 2 will be described with reference to FIGS. 1 and 2 the operation and method of a one-time credit card number delivery and payment service using a mobile communication terminal according to the present invention configured as described above.

First, in order to use the disposable card number, the user of the mobile communication terminal 10 requests the use of the card company 20 or the service provider 40 (S10). Of course, the user of the mobile communication terminal 10 that already has a credit card can use a one-time card number. The service provider 40 may include a VAN provider.

When the user of the mobile communication terminal 10 requests the use of the disposable card number, the card company 20 assigns the identification card number corresponding to the corresponding mobile phone number to the terminal 10 user, and uses the terminal 10 user. Approve the password (S20). At this time, the mobile communication provider 30 authenticates the mobile phone number at the request of the card company 20 (S22). The identification card number described above is not for payment, but is for identifying a user.

When the user of the mobile communication terminal 10 receives the identification card number from the card company 20 and the password is approved, the user registers and stores the identification card number in his mobile communication terminal 10, and the user member information and Register and store other information (S30). The user of the mobile communication terminal 10 already possessing the credit card can preferably register and store the card number held as the identification card number (S32).

As described above, when the user of the mobile communication terminal 10 receives an identification card number and registers and stores it therein, and wants to make a credit payment after purchasing an item or service in the credit card affiliate store 50, the communication network 100 The card company 20 or the service provider 40 through the request for the delivery of the disposable payment card number (S40).

When a request for a one-time payment card number is received from the user of the mobile communication terminal 10, the card company 10 or the service provider 40 checks the member information such as the identification card number and password, and if the user is not an appropriate user, the password. If it is confirmed that the user is a legitimate user (S65), and is confirmed to be a legitimate user, a single payment card number is issued and transmitted through the communication network 100 (S50) (S60) (S70). Here, the password for the user confirmation of the mobile communication terminal 10 may be configured to work with the authentication method by the input of the number and letter or the speaker authentication method by the voice input.

The one-time payment card number sent is a non-recognizable code such as a number and a contact-insensitive code such as a barcode read by a corresponding corresponding reader (e.g. a barcode reader) 54 and a predetermined identifier (e.g. a Bluetooth receiver). And one of a non-contacting non-recognized signal code such as wireless Bluetooth recognized by 56. It will be apparent to those skilled in the art that when a numeric recognition code is transmitted and received in the mobile communication terminal 10, it will be easily processed by the credit card number inquiry processor 52 which is usually installed in the credit card merchant 50. something to do. In addition, the contact recognition code and the non-contact recognition code code read or recognized by the reader 54 and the recognizer 56 are finally transferred to the credit card number inquiry processor 52 and transmitted through the service provider 40. It will be apparent to those skilled in the art that they will be approved.

On the other hand, when using a one-time payment card number of a contactless non-recognized signal code, such as Bluetooth, it is obvious that the mobile communication terminal 10 should be equipped with a device related to Bluetooth transmission and reception. In addition, when the disposable card number composed of the non-contact non-recognition code signal is recognized by the recognizer 56, the user of the mobile communication terminal 10 should be able to visually check the recognition processing situation.

When the disposable card number is received and processed by the mobile communication terminal 10 as described above, payment of the use of the corresponding goods or services is completed (S80). The one-time card number used for payment is a card number which cannot be used later, as described above.

As described above, according to the present invention, the credit card payment means is supplemented by delivering a one-time-use credit card number that can be used only once for a corresponding purchase payment to a user's mobile terminal when requesting a payment according to credit (card) purchase. It can achieve flawlessly and prevent malicious use of credit cards.

Although the preferred embodiments of the present invention have been described in detail above, those skilled in the art will appreciate that the present invention may be modified without departing from the spirit and scope of the invention as defined in the appended claims. It will be appreciated that modifications or variations may be made. Therefore, changes in the future embodiments of the present invention will not be able to escape the technology of the present invention.

Claims (9)

In the one-time credit card number transfer and payment service method using a mobile communication terminal, Receiving a credit card number corresponding to the usage number of the mobile communication terminal from a credit card company and installing the same on the mobile communication terminal; Receiving a one-time card number required for the payment of the purchase behavior from the credit card company using the mobile communication terminal at the time of credit settlement; And making a credit payment for the purchase act with the disposable card number. The one-time credit card number transfer and payment service method using a mobile communication terminal, characterized in that the duplicate use is prohibited to use. The method of claim 1, wherein the one-time card number comprises a recognizable code such as a number. The method of claim 1, wherein the disposable card number comprises a non-recognizable code such as a barcode read by a corresponding reader. The method of claim 1, wherein the one-time card number comprises a non-contact non-recognition code signal such as wireless Bluetooth recognized by a predetermined recognizer. The mobile communication terminal according to claim 4, wherein the mobile communication terminal user can visually confirm the recognition processing status when the disposable card number composed of the contactless non-recognition code signal is recognized by the recognizer. Disposable credit card number delivery and payment service method using a terminal. The method of claim 1, wherein the password for user confirmation of the mobile communication terminal is configured to interoperate with an authentication method by inputting numbers and letters or a speaker authentication method by voice input. Disposable credit card number delivery and payment service method using a mobile communication terminal. In the disposable credit card number delivery and payment service system using a mobile communication terminal, A mobile service provider operating a communication network and granting subscribers an authenticated user's phone number, a card company that issues a one-time card number associated with the user's phone number, and a credit card number inquiry processor are available. A credit card affiliated business and a service provider that is associated with the card company and performs a business related to issuing and processing a disposable card number are networked by a predetermined communication network, The card company and the service provider delivers a disposable card number when the mobile communication terminal user requests, and the mobile communication terminal user who receives the disposable card number performs payment using the disposable card number. Disposable credit card number delivery and payment service system using a mobile communication terminal. The method of claim 7, wherein the disposable card number, Any one of a recognizable code such as a number, a contact non-recognition code such as a barcode read by a given reader, and a contactless non-recognition signal code such as wireless Bluetooth recognized by a predetermined recognizer, The credit card affiliated store has a predetermined reading means and a recognition means for reading the contact non-recognition code or the recognition of the non-contact non-recognition signal code, and transfer the disposable credit card number using a mobile communication terminal, and Payment service system. The method of claim 7 or 8, wherein the mobile communication terminal, When the disposable credit card number consisting of the contactless non-recognition code signal is processed by the recognition means, the user of the mobile communication terminal can visually confirm the recognition processing status by using the mobile communication terminal. Credit card number delivery and payment service system.