KR20030043886A - A Validation Method Of Credit Card Using Possession Relationship Of Credit Card And Cellular Phone - Google Patents

Abstract

PURPOSE: A credit card approval method is provided to compare the latest position of a mobile phone with the position of a credit card processing terminal, to approve the credit card if the position of the mobile phone is identical to that of the credit card processing terminal, and to check a resident registration number or a secret number if the position of the mobile phone is different from that of the credit card processing terminal. CONSTITUTION: The method comprises several steps. A credit card processing terminal reads data from a credit card(S11), and transmits its position data and the read credit card data to a unified approval system(S12). A credit card approval organization checks an effectiveness of the credit card(S13). The unified approval system searches for a mobile phone number of the credit card owner in a member management database, and requests a mobile communication service company to check a current position of the mobile phone by transmitting the searched mobile phone number to the mobile communication service company(S14). In a case that the effectiveness of the credit card is normal, the unified approval system compares the position of the mobile phone with that of the credit card processing terminal(S15). If the two position data is identical, the unified approval system approves the credit card(S17), and otherwise transmits an identity check message to the credit card processing terminal(S16). If the identity of the credit card owner is normal, the unified approval system approves the credit card, and otherwise does not approve the credit card(S18).

Description

A Validation Method Of Credit Card Using Possession Relationship Of Credit Card And Cellular Phone}

The present invention relates to a credit card approval method using the correlation between the credit card and the mobile phone.

Modern society is a credit society, where payments are made using credit cards instead of cash. The use of credit cards has increased significantly due to the convenience of use.

1 is a diagram illustrating a general credit card approval system. As shown in Fig. 1, when a user's credit card is read by the card reader 1 and the reading is sent to the card authentication authority 2, the card authentication authority 2 determines whether the card of the reading is valid. Judgment is sent to the card reader (1) for approval.

As such, while the use of credit cards is increasing due to convenience, there are also problems.

First, due to fraudulent use of credit cards, consumers and credit card companies lose at least tens of billions of dollars each year, even avoiding the use of credit cards.

Second, the damage caused by illegal copying of credit cards due to leaking card slips or internal information of the card company is very severe, and the media can be frequently accessed.

The above-mentioned problems are mainly caused by the use of credit cards. When using the actual credit card, it occurs because it checks whether the user of the credit card, that is, to check the ID card or ask for a password. The reason for omitting the process of checking the resident registration card or asking for a password is because the user feels uncomfortable or uncomfortable.

In order to solve the problem caused by the fraudulent use of such a credit card, a method of using the fingerprint reader 3 has been developed as shown in FIG. This method has the advantage of ensuring the prevention of fraudulent users, but it increases the cost of the device of the fingerprint reader 3 and it is very difficult to select and compare the read fingerprint contents among a huge amount of data. There is a lot of problems. As a result, the user needs to spend a lot of time waiting for payment, which is problematic for realization.

3 is a diagram illustrating a system for approving an electronic payment rapidly increasing with the recent development of the Internet. In FIG. 3, the electronic payment 4 uses a credit card or a mobile phone for goods or services sold by the product seller 5. At this time, the merchandise seller 5 goes through the approval process through the certification authority 2 for the credit card or mobile number entered by the buyer. Such payments using the Internet are very likely to be hacked online, and many netizens have avoided using credit cards in electronic payments.

4 is a diagram illustrating a conventional method for solving such a problem in using a credit card, which is a financial transaction method using location information of a mobile communication terminal (application number: 10-2003-0019609, application date: February 23, 2008)

The financial transaction method shown in FIG. 4 includes, when a credit card of a customer is used, receiving affiliate store (or financial terminal) location information and transaction information; Requesting confirmation of the mobile phone location information of the customer by a mobile communication company system, and comparing the received location information with the affiliated store (or financial terminal) location information when the mobile phone location information of the customer is received; Determining the normal transaction when the mobile phone location information of the customer and the affiliate store (or financial terminal) location information are within a predetermined distance; When the location information of the mobile phone of the customer and the location information of the affiliated store (or the financial terminal) are not within the set distance, the mobile phone system transmits a message requesting confirmation of card use to the mobile phone by using a short message in connection with the mobile communication system. Steps; If a response is generated from the customer after the message is transmitted, analyzing the response and determining that the transaction is a normal transaction if the customer allows the use of the card; If the response sent from the customer after the message transmission does not allow the use of the card, it is determined that the card is stolen, the automatic contact with the associated public office and at the same time comprises the step of denying the approval.

The method shown in FIG. 4 has the following problems.

First, when the location information of the mobile phone and the location information of the terminal are different, the processing procedure is too complicated and time-consuming. In other words, if you forget your mobile phone and leave it in your car or home, there is a fatal problem that you cannot use your credit card. In addition, even if the loan is to a third party, even though the user is a normal user, the credit card owner must check the mobile phone one by one, so that the user goes through an unnecessary procedure of waiting too long.

Second, when the location information of the mobile phone and the location information of the mobile phone are different, the transaction approval system sends a use request message to the mobile phone and when the customer responds with the mobile phone, a complicated and cumbersome system must be provided to allow the customer to analyze it. There is a problem.

Third, according to the method shown in FIG. 4, a user who uses a credit card while leaving a mobile phone such as a home, an office, or a car by mistake, may be recognized as a stolen card even though he is a normal user. Have

Accordingly, an object of the present invention is to provide a credit card approval method that effectively and conveniently prevents the use of credit cards and mobile phones to prevent misuse due to the loss, duplication, and hacking of the credit card in a credit card or electronic payment. Is in.

1 is a view showing a conventional credit card authorization system,

2 is a view showing a credit card approval system using a conventional fingerprint;

3 is a view showing a conventional electronic payment approval system,

4 is a view showing a credit card approval system using a conventional mobile phone,

5 is a view showing a credit card authorization system according to an embodiment of the present invention;

6 is a view showing a credit card authorization system according to another embodiment of the present invention;

7 is a view showing a credit card authorization system according to another embodiment of the present invention;

8 is a view showing an electronic payment approval system according to an embodiment of the present invention;

9 is a flow chart showing a credit card approval method according to an embodiment of the present invention,

10 is a flowchart showing a credit card approval method according to another embodiment of the present invention;

11 is a flowchart illustrating a credit card approval method according to another embodiment of the present invention;

12 is a flow chart showing an electronic approval method according to an embodiment of the present invention,

13 is a view showing a credit card using position in a mobile phone base station,

14 is a view showing a credit card use position that operates in multiple cell phone zones;

16 is a diagram illustrating a mutual communication system between a card-type wireless transceiver and a mobile phone capable of preventing the loss of a credit card or mobile phone.

* Description of the symbols for the main parts of the drawings *

One; Card reader 2; Card Certification Authority

3; Fingerprint reader 4; Electronic payment

5; Mobile phone positioning unit 6; Communication service company

7; Integrated authentication system 8; Mobile phone location authentication system

60; Cell phone 61; Card Type Wireless Transceiver

62; Wallet with credit card

Credit card authorization method of the present invention for preventing the illegal use of the credit card, (a) reading the credit card with the card reader (1) (S11); (b) transmitting the position information and the card reading contents data of the card reader 1 to the integrated authentication system 7 (S12); (c) determining the validity of the card in the card authentication authority 2 (S13); (d) searching the mobile phone number of the credit card holder in the integrated authentication system 7 to query the communication service company 6 for the latest location of the mobile phone (S14); (e) if the validity of the card is approved in step S13, comparing the latest mobile phone position with the card reader position (S15); (f) approving the card when the cell phone latest position and the card reader position are the same as a result of the comparison of step S15 (S17); (g) a step S16 of sending a message to the card reader 1 requesting to re-verify the identity of the card user when the cell phone latest position and the card reader position are different as a result of the comparison of step S15; (h) approving the use of the card when the identity of the card user is confirmed in step S16 (S17); And (i) disapproving the use of the card (S18) when the identity of the card user is not confirmed in the step S16.

Another credit card approval method of the present invention for preventing the fraudulent use of the credit card comprises the steps of: (a) reading a credit card with a card reader (S21); (b) transmitting the card reading contents data of the card reader 1 to the card authentication authority 2 (S22); (c) determining the validity of the card by the card authentication authority (2), and if the validity of the card is approved, retrieving the card authentication result and the mobile phone number of the credit card holder and transmitting it to the card reader (S23); (d) inquiring the latest position of the mobile phone number of the credit card holder transmitted from the card reader 1 to the communication service company 6 (S24); (e) comparing the latest position of the mobile phone with the position of the card reader in the card reader 1 (S25); (f) approving the card when the cell phone latest position and the card reader position are the same as a result of the comparison in step S25 (S27); (g) reconfirming the identity of the card user when the latest mobile phone position and the card reader position are different as a result of the comparison in step S25 (S26); (h) approving the use of the card when the identity of the card user is confirmed in step S26 (S27); And (i) disapproving the use of the card when the identity of the card user is not confirmed in step S26 (S28).

Another credit card approval method of the present invention for preventing the fraudulent use of the credit card, (a) reading the credit card with the card reader (S31); (b) transmitting the card reading contents data of the card reader 1 to the card authentication authority 2 (S32); (c) determining the validity of the card by the card authentication authority 2 and transmitting the card authentication result to the card reader 1 when the validity of the card is approved (S33); (d) transmitting the card reading contents data and the card reader position information of the card reader 1 to the cellular phone position authentication system 8 (S34); (e) checking the mobile phone number of the credit card holder in the mobile phone location authentication system 8 (S35); (f) inquiring the latest location of the mobile phone of the credit card holder from the mobile phone location authentication system 8 to the communication service company 6 (S36); (g) comparing the latest cellular phone location with a card reader location in the cellular phone location authentication system (S37); (h) approving the card when the comparison result of step S37 is that the latest mobile phone location and the card reader location are the same (S39); (i) reconfirming the identity of the card user when the latest mobile phone position and the card reader position are different as a result of the comparison in step S37 (S38); (j) approving the use of the card when the identity of the card user is confirmed in step S38 (S39); And (k) disapproving the use of the card (S40) when the identity of the card user is not confirmed in step S38.

The method for approving an electronic payer credit card of the present invention to prevent fraudulent use of the credit card, (a) the product seller (5) is present to the payer based on the IP information of the electronic payer (3) using the wired Internet. Confirming the position (S51); (b) transmitting the location information and the card contents data of the electronic biller 1 to the integrated authentication system 7 (S52); (C) determining the validity of the card in the card authentication authority (2) (S53); (d) confirming the mobile payment number of the electronic payer (S54); (e) inquiring the latest position of the electronic payer mobile phone to the communication service company (S55); (f) if the validity of the card is approved in step S53, comparing the latest mobile phone location with the electronic payer location (S56); (g) approving the transaction if the latest mobile phone location and the electronic payer location are the same as a result of the comparison in step 56 (S58); (h) step S57, when the comparison result of the step S56 is a message requesting the product seller to reconfirm the identity of the electronic payer when the latest mobile phone position and the electronic payer location are different; (i) approving the transaction when the identity of the electronic payer is confirmed in step S57 (S58); And (j) disapproving the transaction (S18) when the identity of the electronic payer is not confirmed in step S57.

In addition, when inquiring the latest position of the mobile phone of the credit card holder, it is preferable to inquire within the communication base station (s) belonging to the position of the card reader 1.

In addition, it is preferable that the latest location of the mobile phone and the position of the card reader 1 are divided into mobile phone base station units or administrative district units.

In addition, when inquiring the latest location of the mobile phone of the payer, it is preferable to query within the range of the mobile phone base station (s) belonging to the current location of the payer.

In addition, it is preferable that the latest location of the mobile phone and the current location of the payer are a mobile phone base station unit or an administrative unit.

In addition, the location of the mobile phone and the position of the card reader are different, so it may be desirable to check the ID and / or password offline or enter the password online.

In addition, the location of the mobile phone and the electronic billing machine are different, so it is better to enter a password online to reconfirm the identity.

In addition, it is preferable that the card user is provided with a wireless transceiver including a speaker that can generate a warning sound.

Hereinafter, with reference to the accompanying drawings, preferred embodiments of the present invention for achieving the above object will be described in detail.

5 is a view showing a credit card approval system according to an embodiment of the present invention, a card reader 1, an integrated authentication system 7 connected to the card reader 1, connected to the integrated authentication system 7 It consists of a card authentication authority (2) and a communication service company (6) connected to the integrated authentication system (7). Hereinafter, the card reader 1 refers to a card terminal or an unmanned financial transaction terminal provided by product sellers, and the integrated authentication system 7 is held by the card authentication authority 2 or is configured separately from the card authentication authority 2. Can be. In addition, the communication service company 6 refers to SK Telecom (011, 017), KT Telecom (016), LG Telecom (019), etc., which tracks and records the location of all mobile phones in real time.

9 is a flowchart illustrating a card authentication process related to a card authentication system according to the date and time of the present invention illustrated in FIG. 5.

First, a card user reads a credit card with a card reader 1 to purchase goods or services or to withdraw cash from an unmanned card terminal (S11). When the credit card information thus read and the current position of the card reader 1 are transmitted to the integrated authentication system 7 (S12), the integrated authentication system 7 sends the card authentication authority 2 to the read credit card information. In order to determine the validity to perform a card lookup (S13). At this time, the card authentication authority notifies the use of the card if the card is not a valid card (S18), and notifies the integrated authentication system 7 of the card validity approval if the card is a valid card.

On the other hand, the integrated authentication system 7 retrieves the card holder's mobile phone number from the credit card information transmitted from the card reader 1, and inquires the communication service company 6 for the latest position of the mobile phone number (S14). .

The communication service company 6 retrieves the mobile phone number from the communication system and transmits the latest location to the integrated authentication system 7. At this time, in order for the communication system to quickly search the mobile phone, the integrated authentication system 7 transmits the location information of the card reader 1 to the communication service company 6 together with the mobile phone number. You can quickly find and locate your phone's location in the location range. Of course, the communication service company 6 may determine whether there is a mobile phone only at the position of the card reader 1 (S15), or simply transmit the result of "YES" or "NO" to the integrated authentication system 7, Specifically, the location of the mobile phone number may be transmitted to the integrated authentication system 7 in units of base stations or administrative districts, and the card reader 1 may be compared with the mobile phone location in the integrated authentication system 7 (S16).

If the result of the comparison between the card reader 1 and the mobile phone position is the same position (or presence or absence of "YES"), the use of the card is approved (S17). If it is another location (or presence "NO"), the card reader 1 sends an identity confirmation message.

Next, in the case of a manned card terminal, the product seller confirms the resident registration card of the card user (S16), writes the resident registration number on the card slip, and authorizes the use of the card (S17). If the identity of the card user cannot be verified (mostly in the case of a fraudulent card user), the use of the card is disapproved (S18).

In the case of an unattended card terminal, a card user can easily enter a password (for example, a social security number, a mobile phone number, etc.) and retransmit the authentication to the integrated authentication system 7 to perform authentication again. As a result of performing the authentication again, if the identity is confirmed, the card is approved (S17), and if the identity of the user cannot be verified (mostly for a fraudulent card user), the card is disapproved (S18).

It is also possible to distinguish the position of the card reader 1 or the location of the mobile phone described above in units of mobile communication base station (s), as shown in FIG. 13, and as shown in FIG. 14, in administrative divisions (e.g., Seocho-dong, Gangnam-gu, Yeoksam-dong). Etc.). In particular, in the case of wireless communication, the boundary between the base station and the base station may be unclear, so the location of the mobile phone or the card reader 1 is divided into a plurality of overlapping base stations, and the latest location search of the mobile phone is performed for all of the plurality of base stations. It is desirable to.

As described above, the present invention has an advantage of easily performing a plurality of authentications of the credit card because it uses a very high correlation between the credit card and the mobile phone. However, since many people accidentally lose their mobile phones and leave them temporarily at home or in the car, they can communicate with the mobile phones 60 as shown in FIG. 15 in order to achieve the effect of the present invention more efficiently. It is desirable to prevent the loss or temporary neglect of the mobile phone 60 or the wallet (credit card) by attaching a wireless transmitter and receiver 61 to a wallet or a credit card.

The wireless transceiver 61 generates a signal of a predetermined level by receiving a user identification code and a program capable of generating a signal at a predetermined interval and receiving a user identification code and a predetermined interval signal generation information from the transmitter micom. A transmitter comprising a signal generator, a transmission power amplifier for power amplifying the signal generator output signal for transmission, and a transmission antenna for receiving a signal from the transmission power amplifier and radiating an RF signal through the air, and the RF from the transmission antenna. A receiving antenna for receiving a signal, a receiving power amplifier for amplifying a weak signal power from the receiving antenna, a voltage detector for converting an output signal of the receiving power amplifier into a voltage, and an analog voltage level from the voltage detector. Number of A / D converter and A / D converter output to convert The user identification code included in the signal is compared with the stored user identification code, and the signal level of the received signal is compared with the stored reference signal level and outputs the result of the comparison. It consists of a receiver consisting of alarms (not shown).

In general, the wireless transceiver 61 is very small, it is desirable to have a miniature speaker that can emit an alarm sound when a certain distance from the mobile phone 60, moreover, similarly, the mobile phone at the same time when the wireless transmitter 61 is out of a certain distance An alarm can sound.

6 is a view showing a credit card approval system according to another embodiment of the present invention, a card reader 1 having a position comparison function, a card authentication authority 2 connected to the card reader 1, and a card reader ( 1) consisting of a telecommunications service company 6 connected to the connection. In the present invention, when the card validity is authenticated by performing card authentication first, the mobile phone number of the credit card holder is transmitted to the card reader 1. The card reader 1 is a method of inquiring the mobile phone location to the communication service company 6 based on the transmitted mobile phone number.

FIG. 10 is a flowchart illustrating an authentication process of the card authentication system of the present invention shown in FIG. 6.

Initially, the card user reads the credit card with the card reader 1 to purchase goods or services or to withdraw cash from the unmanned card terminal (S21). The credit card information thus read is transmitted to the card authentication authority 2 (S22) to perform card authentication to determine the validity (S23). At this time, the card authentication authority disallows the use of the card if the card is not a valid card (S28), and if the card is a valid card, approves the card validity and transmits the card holder's mobile number to the card reader 1 (S23).

Next, the card reader 1 inquires the communication service company 6 of the latest position of the transferred mobile phone number of the credit card holder (S24).

The communication service company 6 retrieves the mobile phone number from the communication system and transmits the latest location to the card reader 1. At this time, in order for the communication system to quickly search for the location of the mobile phone, the card reader 1 transmits the location information of the card reader 1 to the communication service company 6 together with the mobile phone number. You can quickly find and search your phone's location in range. Of course, the communication service company 6 may determine only the presence of the mobile phone at the position of the card reader 1 (S15), and may simply transmit the result of "YES" or "NO" to the card reader 1, or the mobile phone. Specifically, the position of the number may be transmitted to the card reader 1 in units of base stations or administrative districts, and the card reader 1 may compare the position of the card reader 1 with the mobile phone (S25).

If the result of the comparison between the card reader 1 and the mobile phone position is the same position (or presence or absence of "YES"), the use of the card is approved (S17). If it is another location (or presence "NO"), the card reader 1 sends an identity confirmation message.

Next, in the case of a manned card terminal, the product seller confirms the resident registration card of the card user (S26), writes the resident registration number on the card slip, and authorizes the use of the card (S27). If the identity of the card user cannot be verified (mostly in the case of a fraudulent card user), the use of the card is disapproved (S28).

In the case of an unattended card terminal, a card user can easily enter a password (for example, a social security number, a mobile phone number, etc.) and retransmit to the card authentication authority 2 to perform authentication again. As a result of the re-authentication as described above, if the identity is confirmed, the card is approved (S27), and if the user's identity cannot be verified (mostly for a fraudulent card user), the card is disapproved (S28).

7 is a view showing a credit card approval system according to another embodiment of the present invention, a card reader having a position comparison function (1), a card authentication authority (2) connected to the card reader (1), the card reader (1) a mobile phone location authentication system (8) connected to a connection and a communication service company (6) connected to a mobile phone location authentication system (8). The present invention has the advantage of saving authentication time as a system for processing (parallel) card authentication and mobile phone location authentication at the same time. That is, a method of reading credit card information and simultaneously transmitting the same to the card authentication authority 2 and the mobile phone location authentication system 8 to perform authentication.

FIG. 11 is a flowchart illustrating the credit card approval process of the present invention shown in FIG. 7.

Initially, the card user reads the credit card with the card reader 1 to purchase goods or services or to withdraw cash from the unmanned card terminal (S31). The credit card information thus read is transmitted to the card authentication authority 2 (S32) to perform card authentication to determine the validity (S33). At this time, the card authentication authority disapproves the use of the card if the card is not a valid card (S48), and approves the card validity if the card is a valid card (S33).

At the same time as the card inquiry request, the card reader 1 transmits the read credit card information and the card reader location information to the mobile phone location authentication system 8 (S34). The mobile phone location authentication system 8 searches the mobile phone number of the cardholder through the database based on the read card information (S35), and inquires the communication service company 6 of the latest location of the found mobile phone number. (S36).

The communication service company 6 retrieves the mobile phone number from the communication system and transmits the latest location to the mobile phone location authentication system 8. At this time, in order for the communication system to quickly search the mobile phone, the mobile phone location authentication system 8 transmits the location information of the card reader 1 to the communication service company 6 together with the mobile phone number. You can find the location of your phone in a short time by searching the location. Of course, the communication service company 6 may determine whether only the presence of the mobile phone at the position of the card reader 1 (S37), or simply transmit the result of "YES" or "NO" to the mobile phone location authentication system (8). In particular, the location of the mobile phone number may be transmitted to the mobile phone location authentication system 8 in units of base stations or administrative districts, and the card reader 1 may be compared with the mobile phone location in the mobile phone location authentication system 8 (S37).

If the card reader 1 is compared with the mobile phone position as a result of the comparison, the card is approved (S39). If it is in another location (or "NO" in existence), the mobile phone location authentication system 8 transmits the identity verification message to the card reader 1.

Next, in the case of a manned card terminal, the product seller confirms the resident registration card of the card user (S38), writes the resident registration number on the card slip, and authorizes the use of the card (S39). If the identity of the card user can not be confirmed (mostly in the case of fraudulent card users) the use of the card is disapproved (S40).

In the case of an unattended card terminal, a card user can easily enter a password (for example, a social security number, a mobile phone number, etc.) and retransmit the mobile phone location authentication system 8 to perform authentication again. As a result of performing the authentication again, if the identity is confirmed, the card is approved (S39), and if the identity of the user cannot be verified (mostly for a fraudulent card user), the card is disapproved (S40).

8 is a diagram showing an electronic payment system for credit card holders according to the present invention, the electronic payment (4) using wired and wireless Internet, the product seller (5) to sell the product to the electronic payment (4) online, An integrated authentication system (7) connected to the product seller (5), a card authentication authority (2) connected to the integrated authentication system (7) and a communication service company (6) connected to the integrated authentication system (7).

FIG. 12 is a flowchart illustrating a card authentication process of the electronic biller according to the present invention shown in FIG. 8.

First, when the electronic payer 4 inputs the credit card information to the product seller 5 using the wired Internet to purchase the goods or services, the product seller 5 based on the IP information of the electronic payer 4. Ascertain the current location to the payer (S51). Next, the merchandise seller 5 transmits the position information and the card contents data of the electronic payer 4 to the integrated authentication system 7 (S52), and the integrated authentication system 7 sends the card to the credit card information. In order to determine the validity to the certification authority (2) to perform a card query (S53). At this time, the card authentication authority not approves the use of the card if the card is not a valid card (S59), and notifies the integrated authentication system 7 of the card validity approval if the card is a valid card.

On the other hand, the integrated authentication system 7 retrieves the mobile phone number of the card holder from the transmitted credit card information (S54), and inquires the communication service company 6 for the latest position of the mobile phone number (S55).

The communication service company 6 retrieves the mobile phone number from the communication system and transmits the latest location to the integrated authentication system 7. At this time, in order for the communication system to quickly search for a mobile phone location, the integrated authentication system 7 transmits the location information of the electronic biller 4 together with the mobile phone number to the communication service company 6, and the communication system provides the electronic biller ( 4) You can quickly find and locate your phone in the location range. Of course, the communication service company 6 may determine whether only the presence of a mobile phone at the location of the electronic payer 4 (S56), or simply transmit the result of "YES" or "NO" to the integrated authentication system (7) or In particular, the location of the mobile phone number may be transmitted to the integrated authentication system 7 in units of base stations or administrative regions, and the location of the electronic biller 4 and the mobile phone may be compared in the integrated authentication system 7 (S56).

If the result of the comparison between the electronic payer 4 and the mobile phone location is the same location (or presence or absence of "YES"), the card is approved (S58). If it is another location (or "NO" in existence), it sends an identity confirmation message to the electronic biller (4).

At this time, the merchandise seller 5 re-enters the identity verification by inputting a password (for example, a social security number, a mobile phone number, etc.) that can be easily known when the electronic biller 4 is the user (S57). This identity verification process may be performed directly in the commodity seller system or may be carried out in congress with the integrated authentication system (7). As a result of this identity reconfirmation, if the identity is confirmed, the card is approved (S58), and if the user's identity cannot be verified (mostly for a fraudulent card user), the card is disapproved (S59).

As described above, according to the present invention, while performing a plurality of credit card authentication to authenticate the credit card by matching the location of the credit card and the location of the mobile phone, perform a mobile phone location search more quickly, more effectively There is an effect that can be prevented.

Although the preferred embodiments of the present invention have been described in detail, the present invention is not limited to the forms and structures applied in the embodiments, and various modifications can be made by those skilled in the art.

Claims (11)

(a) reading the credit card with the card reader 1 (S11); (b) transmitting the position information and the card reading contents data of the card reader 1 to the integrated authentication system 7 (S12); (c) determining the validity of the card in the card authentication authority 2 (S13); (d) searching the mobile phone number of the credit card holder in the integrated authentication system 7 to query the communication service company 6 for the latest location of the mobile phone (S14); (e) if the validity of the card is approved in step S13, comparing the latest mobile phone position with the card reader position (S15); (f) approving the card when the cell phone latest position and the card reader position are the same as a result of the comparison of step S15 (S17); (g) a step S16 of sending a message to the card reader 1 requesting to re-verify the identity of the card user when the cell phone latest position and the card reader position are different as a result of the comparison of step S15; (h) approving the use of the card when the identity of the card user is confirmed in step S16 (S17); And (i) a step of disapproving the use of the card (S18) when the identity of the card user is not confirmed in step S16. (a) reading the credit card with the card reader 1 (S21); (b) transmitting the card reading contents data of the card reader 1 to the card authentication authority 2 (S22); (c) determining the validity of the card by the card authentication authority (2), and if the validity of the card is approved, retrieving the card authentication result and the mobile phone number of the credit card holder and transmitting it to the card reader (S23); (d) inquiring the latest position of the mobile phone number of the credit card holder transmitted from the card reader 1 to the communication service company 6 (S24); (e) comparing the latest position of the mobile phone with the position of the card reader in the card reader 1 (S25); (f) approving the card when the cell phone latest position and the card reader position are the same as a result of the comparison in step S25 (S27); (g) reconfirming the identity of the card user when the latest mobile phone position and the card reader position are different as a result of the comparison in step S25 (S26); (h) approving the use of the card when the identity of the card user is confirmed in step S26 (S27); And (i) disapproving the use of the card (S28) when the identity of the card user is not confirmed in step S26. (a) reading the credit card with the card reader 1 (S31); (b) transmitting the card reading contents data of the card reader 1 to the card authentication authority 2 (S32); (c) passing the card authentication result to the card reader 1 when the card validation authority 2 determines the validity of the card and the validity of the card is approved (S33); (d) transmitting the card reading contents data and the card reader position information of the card reader 1 to the cellular phone position authentication system 8 (S34); (e) checking the mobile phone number of the credit card holder in the mobile phone location authentication system 8 (S35); (f) inquiring the latest location of the mobile phone of the credit card holder from the mobile phone location authentication system 8 to the communication service company 6 (S36); (g) comparing the latest cellular phone location with a card reader location in the cellular phone location authentication system (S37); (h) approving the card when the comparison result of step S37 is that the latest mobile phone location and the card reader location are the same (S39); (i) reconfirming the identity of the card user when the latest mobile phone position and the card reader position are different as a result of the comparison in step S37 (S38); (j) approving the use of the card when the identity of the card user is confirmed in step S38 (S39); And (k) credit card approval method using the correlation between the credit card and the mobile phone, characterized in that the step (S40), if the identity of the card user is not confirmed in step S38. (A) the product seller (5) confirming the current position to the payer based on the IP information of the electronic payer (3) using the wired Internet (S51); (b) transmitting the location information and the card contents data of the electronic payer 4 to the integrated authentication system 7 (S52); (C) determining the validity of the card in the card authentication authority (2) (S53); (d) confirming the mobile payment number of the electronic payer (S54); (e) inquiring the latest position of the electronic payer mobile phone to the communication service company (S55); (f) if the validity of the card is approved in step S53, comparing the latest mobile phone location with the electronic payer location (S56); (g) approving the transaction if the latest mobile phone location and the electronic payer location are the same as a result of the comparison in step 56 (S58); (h) step S57, when the comparison result of the step S56 is a message requesting the product seller to reconfirm the identity of the electronic payer when the latest mobile phone position and the electronic payer location are different; (i) approving the transaction when the identity of the electronic payer is confirmed in step S57 (S58); And (j) a step of disapproving a transaction (S18) if the identity of the electronic payer in step S57 is not confirmed, characterized in that the credit card and the mobile phone using the correlation between the possession of the mobile phone. The method according to any one of claims 1 to 3, The credit card approval method using the correlation between the credit card and the mobile phone, characterized in that inquiring in the range of the communication base station (s) belonging to the position of the card reader (1) when inquiring the latest position of the mobile phone of the credit card holder. The method according to any one of claims 1 to 3, Credit card approval method using the correlation between the credit card and the mobile phone, characterized in that the latest location of the mobile phone and card reader (1) is divided into cell phone base station unit or administrative area unit. The method according to any one of claims 1 to 3, The method of reconfirming the identity by the location of the mobile phone and the location of the card reader differs by using the correlation between the credit card and the mobile phone, characterized in that the identification card and / or password is checked offline or the password is input online. How to authorize a credit card. The method of claim 4, wherein Credit card approval method using the correlation between the credit card and the mobile phone, characterized in that the query in the range of the base station (s) belonging to the current location of the payer when inquiring the latest location of the mobile phone of the payer. The method of claim 4, wherein Credit card approval method using the correlation between the credit card and the mobile phone, characterized in that the latest location of the mobile phone and the current location of the payer is the mobile phone base station unit or administrative district unit. The method of claim 4, wherein The method of reconfirming the identity of the mobile phone and the location of the electronic payment device is different from the mobile phone, wherein the credit card is authorized by using the correlation between the credit card and the mobile phone. The method according to any one of claims 1 to 4, The user is provided with a mobile phone and a wireless transmitter and a warning sound generating speaker combined with the wireless transmitter, which can communicate with each other, so as to generate a warning sound when the mobile phone and the wireless transmitter deviate from a predetermined distance or more. Credit card authorization method using a correlation of ownership.