KR20030019933A - Method for approving a settlement of a credit card using a wireless terminal and computer readable record medium on which a program therefor is recorded - Google Patents

Abstract

PURPOSE: A method for approving credit card payment using a wireless terminal and a recording medium readable to a computer and storing a program to execute the same are provided to prevent the illegal use of a credit card by confirming the payment approval of a financial organization and a payment approval intention of a user through the wireless terminal. CONSTITUTION: An operator server receives the payment approval request information from a financial organization server(S14). The operator server extracts searching data by searching a payment approval condition corresponding to a card number of the credit card(S16). The operator server judges that the payment approval request information is agreed with the payment approval condition(S18). The operator server transmits a voice or text message for a payment approval request to the user's wireless terminal a wireless communication company server(S20). The operator server receives a reply for the payment approval from the wireless terminal(S22). The operator server transmits the payment approval information to the financial organization server by judging the payment approval through a reply(S24,S26).

Description

Method for approving a settlement of a credit card using a wireless terminal and computer readable record medium on which a program therefor is recorded }

The present invention relates to a credit card payment approval method using a wireless terminal and a computer-readable recording medium that records a program for executing the same. More specifically, the credit card user (hereinafter referred to as "user") is credited. In the case of applying for card payment, the method of approving credit card payment using a wireless terminal to guarantee credit card payment by a true credit card user by re-confirming the user's intention to apply for a credit card payment through the user's wireless terminal A computer readable recording medium having recorded thereon a program for executing the same.

In relation to the conventional credit card payment, a number of patent applications have been filed in addition to Korean Patent Publication No. 2001-0060331 'Instant payment system for credit card merchants and its processing method'.

According to the present invention, a card member who has issued a credit card from a credit card company presents a credit card as a payment method for goods or services at a credit card merchant, and uses a card checker as a terminal at the credit card merchant through a server and a bansa. Requesting the company to approve card use; Issuing a sales slip corresponding to the cost of providing the goods or services to the card member at the terminal of the credit card merchant in case of approval; The server immediately paying the credit card merchant based on the authorization information; And the server is characterized in that it comprises a step of recovering the amount of payment immediately to the credit card company through a certain confirmation procedure.

However, the 'immediate payment system for credit card merchants and their processing method' means that even if the user who uses the credit card is not a real user due to the loss, theft, duplication, or forgery of the credit card, the payment is made and the true user There is a problem that can recognize the fact of payment after the fact that it can cause huge financial damage to the true user.

SUMMARY OF THE INVENTION An object of the present invention is to solve the above problems, and in advance, illegal use of a credit card is confirmed by confirming the user's intention to approve payment through a wireless terminal as well as payment approval by a financial institution. In to prevent.

Still another object of the present invention is to make it possible to immediately verify the identity of an illegal payment authorization requestor of a credit card by issuing call information when an illegal payment authorization request situation of a credit card occurs.

1 is an exemplary view of an information communication system according to an embodiment of the present invention.

2 is an overall flowchart of a credit card payment approval method using a wireless terminal according to an embodiment of the present invention.

3 is a detailed flowchart of the credit card payment approval step according to an embodiment of the present invention.

The present invention for achieving the above object, relates to a credit card payment approval method using a wireless terminal, the operator server user name, address, social security number, ID, password, email address, telephone number, mobile number from the user wireless terminal Receiving basic information including a bank account number, a credit card number and a credit card password; The operator server receives and stores payment approval conditions including credit card approvers (for example, parents of minors) in the case of a user's payment time, day of week, amount, and minor credit card from the user wireless terminal. step; And performing, by the operator server, a credit card payment approval procedure of the user with the user wireless terminal and the financial institution server. Including, but the step of performing the payment approval process, the operator server receiving credit card payment approval request information including at least a credit card number and payment amount and password of the credit card from the financial institution server; Extracting search data by searching for a payment approval condition corresponding to a card number of the credit card previously stored in the operator server; In the case that the operator server extracted the payment time, day of week, amount, and minor credit card that the user can make a payment, it is determined whether the credit card payment authorization request information is matched with a payment authorization condition including credit card approver information. And if it is matched, transmitting the voice or text message for the pre-stored payment approval request to the user wireless terminal through the wireless carrier server. Receiving, by the operator server from the user wireless terminal, a reply regarding whether the payment approval request is authorized through the wireless communication company server; And if the operator server determines whether the user has approved the payment for the payment approval request by using the reply, and if the payment is approved, the operator server checks for the payment approval request corresponding to the card number of the credit card. Transmitting payment approval information to the financial institution server; Characterized in that it comprises a.

Preferably, the operator server uses the reply to determine whether the user has approved the payment for the payment approval request, and if the payment is not approved, the operator server transmitting call information; And storing, by the operator server, location information of the credit card payment device, payment disapproval information by the user, and information on a call information transmission time; It characterized in that it further comprises.

On the other hand, the present invention, in order to approve the credit card payment using a wireless terminal, the operator server from the user's wireless terminal user's name, address, social security number, ID, password, email address, telephone number, mobile phone number, bank account number, Receiving basic information including credit card numbers and credit card passwords; A function for the operator server to receive and store a payment authorization condition including credit card approver information in the case of a time period, day of week, amount, and minor credit card from which the user can make a payment from the user wireless terminal; And a function of the operator server performing a credit card payment approval procedure between the user wireless terminal and the financial institution server. Including, but the function of performing the payment approval process, the operator server receives from the financial institution server credit card payment authorization request information including at least a credit card number and payment amount and password; A function of extracting search data by searching for a payment approval condition corresponding to a card number of the credit card previously stored in the operator server; In the case that the operator server extracted the payment time, day of week, amount, and minor credit card that the user can make a payment, it is determined whether the credit card payment authorization request information is matched with a payment authorization condition including credit card approver information. A function of transmitting, by the operator server, a voice or text message for a pre-stored payment approval request to the user wireless terminal through a wireless carrier server; Receiving, by the operator server, a reply regarding whether the payment is approved for the payment approval request from the user wireless terminal through the wireless telecommunication company server; And if the operator server determines whether the user has approved the payment for the payment approval request by using the reply, and if the payment is approved, the operator server checks for the payment approval request corresponding to the card number of the credit card. Transmitting payment approval information to the financial institution server; And a computer readable recording medium having recorded thereon a program for executing the program.

Preferably, the operator server uses the reply to determine whether the user approves the payment for the payment approval request, and if the payment is not approved, the operator server transmits call information; And storing, by the operator server, location information of the credit card payment device, payment disapproval information by a user, and information on a call information transmission time. And a computer-readable recording medium having recorded thereon a program for executing the program.

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

An information communication system according to an embodiment of the present invention will be described with reference to FIG. 1 as follows.

1 is an exemplary view of an information communication system according to an embodiment of the present invention.

As shown in FIG. 1, an information communication system to which the present invention is applied includes an information communication network 10, a user wireless terminal 100, a credit card payment device 200, an operator server 300, and a financial institution server 400. And a wireless carrier server 500.

The information communication network 10 includes a wired internet network using a TCP / IP protocol and a wireless internet network using a WAP protocol.

In addition, the user wireless terminal 100 is a computer having an internet browser capable of displaying web contents to enable wireless Internet communication, and includes a mobile phone, a PDA, and an IMT2000.

In addition, the credit card payment device 200 recognizes at least the user's credit card number, payment amount and password and transmits to the financial institution server 400, if an illegal payment approval request situation occurs, to the operator server 300 And outputs call information including a ring tone corresponding to the call information transmitted by the call information.

In the present embodiment, the credit card payment device is set to a known cash dispenser, but the present invention is not limited thereto and includes a terminal of a known credit card merchant.

In addition, the financial institution server 400 receives at least a credit card number, a payment amount and a password of the credit card from the credit card payment device 200 to determine whether or not to use the credit card corresponding to the card number, credit available In the case of a card, at least the card number of the credit card and information about the payment amount are transmitted to the operator server 300 to request the payment approval, and then the payment approval information or payment disapproval information is received from the operator server 300. .

In addition, the wireless carrier server 500 mediates the payment approval request information transmitted and received between the operator server 300 and the user wireless terminal 100 and the information about the payment approval permission or payment approval disallowed by the user accordingly. Do this.

Then, the operator server 300 receives at least the information on the card number and the payment amount of the credit card from the financial institution server 400 to determine whether the payment approval conditions are met, if the payment approval conditions are met, payment approval After transmitting the request information to the wireless terminal 100, and receives information on whether or not payment approval for this from the wireless terminal 100 to perform the function of transmitting payment approval information or call information, the central processing unit 310 ), A memory device 320, a data storage device 330, a data input device 340, and a data output device 350 including a monitor (not shown).

The central processing unit 310 must be able to execute a large number of mathematical calculations and examine a database when exchanging information with each other, and is operated by a separate operating system.

In addition, the memory device 320 temporarily stores data according to the present invention, and is preferably a memory device of 1 GB or more.

The data storage device 330 manages a database by general commercial database management software, and includes a member DB, a payment approval condition DB, a message DB, and a payment disapproval DB.

The member DB stores basic information including a user's name, address, social security number, ID, password, email address, phone number, mobile phone number, bank account number, credit card number and credit card password.

The payment approval condition DB is the time period when the user can make a payment (for example, 10 pm to 9:00 am), the day of the week (for example, Monday to Friday), the amount (for example, cash service is more than 500,000 won) Information about payment authorization conditions, such as credit card payments of more than 1 million won, account withdrawals of more than 5 million won), and in the case of minor credit cards, credit card approvers (for example, parents of minors).

The message DB stores an error message regarding a payment approval request that does not meet the payment approval condition and a voice or text message for the approval request.

The payment disapproval DB stores information regarding the location information, payment disapproval information, and call information transmission time of the credit card payment apparatus when the user does not approve the payment.

The overall flow of the credit card payment approval method using a wireless terminal according to an embodiment of the present invention using the system will be described with reference to FIG.

2 is a flowchart illustrating a credit card payment approval method using a wireless terminal according to an embodiment of the present invention.

When the user connects to the operator server 300 related to the present invention using his wireless terminal 100, the central processing unit 310 of the operator server transmits the initial screen of the operator site and the user uses his wireless The terminal 100 transmits its basic information through the information communication network 10, and the central processing unit 310 receives the information and stores it in the member DB to perform the membership registration procedure of the operator site related to the present invention. (S2).

In this embodiment, the basic information of the user stored in the member DB by the step S2 includes the user's name, address, social security number, ID, password, email address, telephone number, mobile phone number, bank account number, credit card Although the number and credit card password is set, the present invention is not limited thereto.

The central processing unit 310 receives payment approval conditions such as credit card approval information such as time slot, day of the week, amount, and minor credit card from the user wireless terminal 100, and when the user can make a payment. The payment approval conditions are stored in a DB (S4).

In the present embodiment, the 'payment approval' means not only payment of the purchase price of goods, but also approval related to deposit withdrawal and cash service.

In addition, in the present embodiment, the subject of payment approval is set to a credit card. However, the present invention is not limited thereto, and a card (for example, a cash card) related to account withdrawal is included in the concept of the credit card.

The CPU 310 determines whether the user desires to change the payment approval condition by receiving a signal regarding whether to change the payment approval condition from the user wireless terminal 100 (S6).

In the present embodiment, the steps S2 to S6 are set by the user to perform the procedure using his or her wireless terminal 100. However, the present invention is not limited thereto, using a separate personal computer. You can also carry out the procedure.

As a result of the determination in step S6, when the change is desired, the CPU 310 returns to the step S4, and when the change is not desired, the CPU 310 causes the user wireless terminal 100 to change. And the user's credit card payment approval procedure with the financial institution server 400 (S8).

The credit card payment approval step of step S8 of FIG. 2 will be described in detail with reference to FIG. 3 as follows.

3 is a detailed flowchart of the credit card payment approval step according to an embodiment of the present invention.

The financial institution server 400 receives credit card payment authorization request information including at least a credit card number, a payment amount, and a password from the credit card payment apparatus 200 (S12).

The financial institution server 400 determines whether the credit card corresponding to the credit card number is an available credit card by using the received credit card number, and when the credit card is a usable credit card, the central processing unit 310 of the operator server. Transmit credit card payment authorization request information including at least a credit card number, a payment amount and a password of the credit card, and the central processing unit 310 sends the credit card payment authorization request information from the financial institution server 400. Receive (S14).

The central processing unit 310 searches for a payment approval condition corresponding to the card number of the credit card previously stored in the payment approval condition DB and extracts search data (S16).

The central processing unit 310 checks whether the credit card payment approval request information is matched with a payment authorization condition including credit card approval information in the case of a extracted time slot, day of week, amount, and minor credit card. It is determined whether or not (S18).

As a result of the determination in step S18, the central processing unit 310 transmits a voice or text message for a request for approval of a payment previously stored in the message DB through the wireless carrier server 500 through the user wireless terminal. Transmit to 100 (S20).

The central processing unit 310 receives a response from the user wireless terminal 100 via the wireless carrier server 500 as to whether the payment approval request for the payment approval request (S22).

In the present embodiment, the reply regarding the payment approval is set as a number. When the number '1' is received, the central processing unit 310 recognizes the payment as approval. However, the present invention is not limited thereto.

The CPU 310 determines whether the user approves the payment for the payment approval request by using the reply (S24).

As a result of the determination in step S24, when the payment is approved, the central processing unit 310 transmits the payment approval information for the payment approval request corresponding to the card number of the credit card to the financial institution server 400. (S26).

The financial institution server 400 receives the payment approval information and transmits a payment approval signal to the credit card payment device 200 to make a payment (S28).

As a result of the determination in step S24, if the payment is not approved, the central processing unit 310 transmits call information to the credit card payment device 200 to manage the credit card payment device 200. It is possible to let the user know that there is an illegal credit card payment authorization request (S30).

In the present embodiment, the call information is set to be transmitted to the credit card payment device 200. However, the present invention is not limited thereto, and may be transmitted to the financial institution server 400 or transmitted to a separate external system. Do.

The central processing unit 310 stores the location information of the credit card payment device, payment disapproval information and call information transmission time information by the user in the payment disapproval DB so that it can be used as evidence data later (S32). .

As a result of the determination in step S18, if it does not match, the CPU 310 transmits an error message previously stored in the message DB to the financial institution server 400 (S34), and in step S12. Return to.

The present invention can be embodied as computer readable codes on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, and also include those implemented in the form of carrier waves such as transmission over the Internet. . The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

According to the present invention as described above, even if a credit card accident occurs due to various reasons such as hacking, loss, theft, forgery, duplication, without payment approval through the wireless terminal of the credit card user, payment is not possible, credit card accident There is an effect that can be prevented in advance.

In addition, according to the present invention, the user's payment approval rejection information can be used as a separate database to prevent credit card accidents and to be used as a ground for illegal users.

Claims (4)

Many credit card payment devices are connected to the financial institution server and the operator server through the information and communication network, and many user wireless terminals are connected to the operator server through the information and communication network, and the operator server is a member DB, payment approval condition DB, In the credit card payment approval method using a wireless terminal using a system including a message DB and payment disapproval DB, Basic information including the user's name, address, social security number, ID, password, email address, telephone number, mobile phone number, bank account number, credit card number and credit card password from the user wireless terminal 100 Receiving (S2); Receiving and storing the payment authorization condition including the credit card approval information when the operator server 300 is the time zone, day of the week, amount, and minor credit card from which the user can make a payment from the user wireless terminal 100 ( S4); And Step S8 of the operator server 300 performing a user's credit card payment approval procedure with the user wireless terminal 100 and the financial institution server 400; Including, Performing the payment approval process (S8), Receiving, by the operator server, credit card payment authorization request information including at least a credit card number, a payment amount, and a password of the credit card from the financial institution server 400 (S14); Extracting search data by searching for a payment approval condition corresponding to a card number of the credit card previously stored in the operator server 300 (S16); Whether the credit card payment authorization request information is matched with a payment authorization condition including credit card approval information when the operator server 300 extracts the user's payment time, day of week, amount, and minor credit card. In operation S18, the operator server 300 transmits a voice or text message for a pre-stored payment approval request to the user wireless terminal 100 through the wireless carrier server 500. Step S20; Receiving, by the operator server (300), from the user wireless terminal (100) a reply regarding whether to approve the payment approval request through the wireless carrier server (500) (S22); And The operator server 300 determines whether the user has approved the payment for the payment approval request by using the reply (S24), and when the payment is approved, the operator server 300 the card number of the credit card. Transmitting payment approval information for the payment approval request corresponding to the financial institution server 400 (S26); Credit card payment approval method using a wireless terminal comprising a. The method of claim 1, The operator server 300 determines whether the user has approved the payment for the payment approval request by using the reply (S24), and if the payment is not approved, the operator server 300 transmits the call information. Step S30; And Storing, by the operator server (300), location information of the credit card payment device, payment disapproval information by the user, and information on a call information transmission time (S32); Credit card payment approval method using a wireless terminal, characterized in that it further comprises a. To approve credit card payments using a wireless terminal, Basic information including the user's name, address, social security number, ID, password, email address, phone number, mobile phone number, bank account number, credit card number and credit card password from the user wireless terminal 100 Receiving a function; A function for the operator server 300 to receive and store a payment authorization condition including credit card approver information when the user can make a payment from the user wireless terminal 100 in a time zone, day of week, amount, and a minor credit card; And A function of the operator server 300 performing a credit card payment approval procedure of the user with the user wireless terminal 100 and the financial institution server 400; Including, The function of performing the payment approval process, A function of the operator server 300 receiving credit card payment authorization request information including at least a credit card number, a payment amount and a password of the credit card from the financial institution server 400; A function of extracting search data by searching for a payment approval condition corresponding to a card number of the credit card previously stored in the operator server 300; The credit card payment authorization request information is included in a payment approval condition including information on credit card approver information when the operator server 300 extracts the user's payment time, day, amount, and minor credit card. If it is determined whether or not it is matched, if it is matched, the operator server 300 transmits a voice or text message for a pre-stored payment approval request to the user wireless terminal 100 through the wireless carrier server 500. Function; A function of the operator server 300 receiving a reply from the user wireless terminal 100 on whether the payment is approved for the payment approval request through the wireless carrier server 500; And If the operator server 300 uses the reply to determine whether the user has approved the payment for the payment approval request, and the payment is approved, the operator server 300 corresponds to the card number of the credit card. Transmitting payment approval information for a payment approval request to the financial institution server 400; A computer-readable recording medium that records a program for executing the program. The method of claim 3, wherein A function of the operator server 300 transmitting call information when the operator server 300 does not approve the payment by determining whether the user has approved the payment for the payment approval request by using the reply; And A function of storing, by the operator server, the location information of the credit card payment device, payment disapproval information by the user, and information on a call information transmission time; A computer-readable recording medium that records a program for executing more.