KR20030082018A - Method of a credit card approval using interactive short message service - Google Patents

Abstract

PURPOSE: A credit card transaction approval method is provided to enable a credit card member to check a credit card transaction via a mobile terminal so that it can prevent others from using the member's credit card though the credit card number is exposed or hacked. CONSTITUTION: The method comprises several steps. A customer inputs credit card data, a mobile phone number and a secret number at an online shop for paying a commodity or a service with a credit card(1). The online shop transmits the input data to a payment gateway(2). The payment gateway transmits a transaction confirmation request message, including a callback URL, to the mobile phone by using the transmitted mobile phone number(3). The customer transmits the transaction confirmation message and the secret number to the payment gateway by using the callback URL(4). The payment gateway compares the secret number, transmitted by the online store, with that, transmitted by the customer, and if the two secret numbers are identical, transmits a transaction approval request to a credit card company(5). A server of the credit card company checks a credit state of the customer, and transmits an approval result to the payment gateway(6). The payment gateway transmits the approval result to the online store(7).

Description

Method of a credit card approval using interactive short message service}

The present invention relates to a credit card transaction approval method, and in particular, credit card by confirming and approving a transaction directly through a mobile communication terminal of a card member in a transaction by credit card online using a two-way text message of wireless Internet. The present invention relates to a method for approving a credit card transaction to prevent unauthorized use of another person due to theft or loss of the card, exposure or hacking of the credit card number.

Credit cards, which have been placed as second currency after cash, have the disadvantage of being stolen or lost, and vulnerable to counterfeiting and forgery in the case of magnetic cards. Moreover, in the electronic commerce using the Internet, the user can easily purchase or use the service only by the credit card number and the expiration date. The use of credit cards in online payments is absolutely used compared to the hassle of depositing money or prepaid cyber money and online gift certificates. Therefore, there is a need to prevent unauthorized use by others and to secure a secure transaction method for online transactions.

On the other hand, online shops are traded without a cardholder's personal face, without a real credit card, and without a signature, so credit card companies are shifting their responsibility to electronic payment agencies in the event of a credit card accident such as theft. The reality is that electronic payment agencies are taking the same responsibility to online stores.

The technical problem to be achieved by the present invention is to approve a credit card transaction using a two-way text message to prevent fraudulent use by others by verifying and approving a transaction directly by the user's mobile terminal at the time of a transaction with a credit card online. It is about a method.

1 is a schematic diagram of a credit card transaction approval method using an interactive text message according to the present invention;

Figure 2 is a flow chart of the transmission and reception step of the two-way text message in the electronic payment agency server of the present invention

Figure 3 is an embodiment of a message displayed on the mobile terminal when accessing the electronic payment agency server with a transaction confirmation request message received by the customer

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

10: customer 11: mobile communication terminal

20: Online shop 30: Electronic payment agency server

40: credit card company server

Credit card transaction approval method using the two-way text message according to the present invention for solving the technical problem is (a) customer 10 to the credit card information and mobile communication in the online store 20 for payment for the purchase or service Inputting a terminal (11) number and password; (b) the online store 20 transmitting a credit card approval request from the customer 10 to the payment gateway server 30 by using the credit card information and the mobile communication terminal 11 number; (c) the electronic payment agency server 30 transmitting a transaction confirmation request message including a callback URL (uniform resource locator) to the customer 10 to the mobile communication terminal 11 number received from the online store 20; ; (d) the customer 10 accessing the electronic payment agency server 30 with the callback URL of the received message and confirming the transaction fact by entering a password; (e) The electronic payment agent server 30 compares the password received from the online store 20 with the input password, and if normal, transmits a transaction approval request to the server 40 of the credit card company according to the type of credit card. step; (f) the credit card company server 40 confirms the membership status and credit limit of the company and transmits the result data on the approval request to the electronic payment agency server 30; (g) the electronic payment agency server 30 transmits the received result data to the online store 20 and outputs it to the monitor of the customer 10;

In addition, in step (a), if the mobile communication terminal 11 number and password are not inputted by the customer 10, the electronic payment agency server 30 sends a transaction confirmation request message to the mobile communication terminal 11 of the customer. It is characterized by omitting the transmission.

In addition, in the step (a), if the customer 10 purchase price in the online store 20 is more than a predetermined amount, it is characterized in that the input of the mobile terminal number 11 and password can not be omitted.

In addition, in the step (d), the customer 10 receives the transaction confirmation request message including the callback URL from the electronic payment agency server 30 to the electronic payment agent server 30 as the callback URL of the message received for a predetermined time. If a transaction is not confirmed by accessing the transaction, the transaction is automatically canceled.

In addition, in the step (e), the electronic payment agency server 30 includes comparing the password received from the online store 20 with the input password, and if it is not normal, comprises the step of ending the approval process It is done.

Hereinafter, the present invention will be described in detail with reference to FIGS. 1 and 2.

1 schematically illustrates the configuration of a credit card transaction approval method using a two-way text message according to the present invention, wherein a customer 10, a mobile communication terminal 11 of the customer, an online store 20, a web server and a database are shown. Electronic payment agent server 30 consisting of a server, WAP (WAP) server and SMS server, the credit card company server 40 is composed of.

The customer 10 selects a credit card payment to pay for the purchase or service in the online store 20, and moves the customer to receive the credit card information and the interactive text message of the customer 10 such as the credit card number and expiration date. Enter the communication terminal 11 number and password to apply for purchase.

At this time, the password input by the customer 10 is a one-time temporary password used only in the transaction for the approval of the credit card transaction, the input of the mobile terminal 11 number and password can be omitted. The mobile communication terminal to receive the two-way text message should be a mobile communication terminal capable of the Internet.

In addition, in the online store 20 in the credit card payment, the customer 10 only enters the credit card information, the mobile communication terminal number 11 and the password may be omitted, but the payment amount is the electronic payment agency server 30 Or if it is more than a predetermined amount set by the online store 20 must be entered.

The online store 20 transmits the credit card information, the mobile communication terminal 11 number, and the password received from the customer 10 to the electronic payment agency server 30.

The electronic payment agency server 30 extracts the mobile communication terminal 11 number from the message received from the online store 20 and transmits a transaction confirmation request message including a callback URL. (S210-S212 of FIG. 2).

If only the payment information by the credit card 10 is input by the customer 10 and the input of the mobile communication terminal 11 number and password is omitted, the electronic payment agent server 30 transmits a transaction confirmation request message to the customer 10. Omitted. (S211, S221 of FIG. 2)

For example, the following two-way text message is displayed on the mobile communication terminal 11 of the customer.

Ex) Transaction confirmation request message sent to customer with Callback URL

Destination Address: 01x-123-1234

Teleservice ID: 1234

User Data: ** Monday ** Day ** Hour ** Minute ** Card

Transaction confirmation request [delimiter] http://pg.com/credit.htm

Callback Number:

The customer 10 accesses the electronic payment agency server 30 with the callback URL of the received message and inputs the password inputted from the online store 20 to confirm the transaction fact. At this time, if the customer 10 does not confirm the transaction by accessing the electronic payment agency server 30 with the callback URL of the received message for a certain time, the approval process is canceled. (S213 and S222 of FIG. 2).

When the callback URL is accessed, the client's mobile communication terminal 11 appears as shown in FIG. The customer 10 has the same effect as the signature used on the card slip when performing a credit card transaction offline by inputting a password.

The electronic payment agency server 30 compares the password received from the online store 20 with the password input from the customer 10 and if it matches, requests the transaction approval to the server 40 of the credit card company according to the type of credit card. If not, the approval process is terminated and a cancellation message is sent to the online store 20 (S214-S216 in Fig. 2).

The server 40 of the credit card company checks its membership and credit limit from the electronic payment agency server 30, and transmits the result data for the approval request to the electronic payment agency server 30.

The electronic payment agency server 30 transmits the result data on the received approval request to the online store 20 and outputs it to the monitor of the customer 10 to complete the approval process.

The present invention is not limited to the above-described embodiments, and of course, modifications may be made by those skilled in the art without departing from the spirit of the present invention. Therefore, the scope of the claims in the present invention will not be defined within the scope of the detailed description, but will be limited to the claims described below.

According to the present invention, it is possible to use a credit card only if the customer has all three types of credit card information, the customer's mobile terminal, and a password. Without identity verification by number or password, it can not be used, and by using a mobile terminal owned by the customer, it can be used without any additional cost, and can be used without restriction of time or place.

In addition, by following the existing flow of credit card authorization process, it does not add to the confusion or inconvenience that follows.

Claims (5)

(a) a customer inputting credit card information, a mobile communication terminal number and a password at an online store for a credit card payment for a purchase or a service; (b) the online store transmitting the credit card authorization request from the customer to the electronic payment agent server by using the credit card information and the mobile terminal number; (c) the electronic payment agent server transmitting a transaction confirmation request message including a callback URL to a mobile communication terminal number received from an online store to a customer; (d) the customer accesses the electronic payment agency server with the callback URL of the received message and enters a password to confirm the transaction fact; (e) the electronic payment agent server comparing the password received from the online store with the inputted password and if normal, transmitting a transaction approval request to the server of the credit card company according to the credit card type; (f) the credit card company's server checking the membership status and credit limit of the credit card company and transmitting the result data on the authorization request to the electronic payment agent server; (g) the electronic payment agency server transmits the result data received to the online store and outputs to the monitor of the customer; credit card transaction approval method using a two-way text message, characterized in that it comprises a The method of claim 1, wherein step (a) If the customer does not enter the mobile terminal number and password, the electronic payment agent server credit card transaction approval method using a two-way text message, characterized in that the transmission of the transaction confirmation request message to the customer's mobile terminal The method of claim 1, wherein step (a) Credit card transaction approval method using a two-way text message, characterized in that the customer can not skip the input of the mobile terminal number and password if the payment amount by the credit card is more than a certain amount The method of claim 1, wherein step (d) If a customer who receives a transaction confirmation request message including a callback URL from the electronic payment agent server accesses the electronic payment agent server with the callback URL of the received message for a certain time and does not confirm the transaction, the transaction is automatically canceled. Credit card transaction approval method using two-way text message The method of claim 1, wherein step (e) The electronic payment agency server checks the password received from the online store and the inputted password and checks the credit card transaction using the two-way text message.