KR20040041230A - The method of mobile payment with a proxy-card and this system - Google Patents

Abstract

PURPOSE: A method and a system for mobile settlement using a proxy card are provided to change/use various financial settlement cards without replacing the card by embedding the proxy card into a mobile communication terminal. CONSTITUTION: A subscriber(100) has the mobile communication terminal(150). A mobile settlement server(500) registers/manages the subscriber as a member, issues the proxy card(700), and includes a database storing/managing the personal particulars, a mobile communication terminal number, and a financial settlement card number of the subscriber. A mobile communication company(600) is connected to the mobile settlement server through the network. A financial company(400) is connected to the mobile settlement server through a credit card network(450). A VAN(Value Added Network) company(300) is connected to a member store card reader(200) through the PSTN(Public Switched Telephone Network)(350) and is connected to the mobile settlement server through the Internet.

Description

The method of mobile payment with a proxy-card and this system}

The present invention is practically applicable to the financial industry, regularly or temporarily delegated by the function of payment cards (including credit cards, debit cards, prepaid cards, transportation cards, or a combination of these) issued by a financial company, In addition, the present invention relates to a method of operating a proxy card (Proxy card) and the system to substitute for the payment card.

The system configuration of a financial transaction using a conventional payment card is as illustrated in FIG.

In order to use the merchant, the buyer (customer) reads the payment card issued by the financial company to the merchant card inquiry machine 200, and through the public telephone network (PSTN) 350, etc. If the payment request is made, the credit card network 450 requests a credit inquiry and transaction approval to the financial institution (card company, bank, etc.) 400.

At this time, the financial company is configured to perform the card expiration date, whether there is a delinquency, the remaining limit inquiry, if the transaction is possible, grant the approval number, and issue a receipt through the merchant card inquiry machine 200.

Recently, in order to establish a fast communication environment, a service through an Internet dedicated line (ISDN, ADSL, etc.) network is being developed in place of a public telephone communication network (PSTN).

However, there are a variety of companies that issue the above-mentioned financial settlement cards, and even in the same company, various types of cards are issued according to their functions, so that the subscriber (customer) has to carry various types of cards. Always exposed to the risks of theft and cloning.

Alternatively, by inserting a financial application card with a subscriber identity module (SIM) in the mobile phone terminal or by embedding it in the form of an IC (Integrated Circuit) chip, short-range wireless communication (IrDA or IrFM) , A mobile payment method for transmitting card information to a card reader (receiver) using RF (radio frequency), Bluetooth, etc.) has been used.

Dual-Slot method and SIM in the terminal to embed the subscriber authentication module (SIM) in the mobile communication terminal, the financial settlement card can be inserted into the card slot between the battery and the body by the mobile payment method as described above Dual-Chip method, which integrates a bank and a financial application card in the form of two IC chips, and a One-Chip method, in which a SIM and a financial application card are integrated into one IC chip and used.

The smart card (IC chip) embedded mobile payment method has a limitation in that only one financial card information can be stored in one financial IC chip.

Therefore, whenever the subscriber wants to change the financial card, there is a need to replace the terminal or to disassemble the terminal to remove and replace the built-in card (IC chip).

There is also a risk that the small card that you replace must be stored with care to avoid losing it.

As a result, in order to use various types of financial cards, a subscriber must possess a plurality of cards.

Accordingly, an object of the present invention is to provide a method for making a payment using a single proxy card that delegates a plurality of financial settlement cards.

That is, when the mobile payment server managing the surrogate card of the present invention links the surrogate card with the financial settlement card to be used for payment and defines and sets the data of "surrogate card information = financial card information", the surrogate card is set to finance. It is to delegate the function of the card to provide a method that can be used in practice.

According to the subscriber's application, if only the information of the defined financial settlement card linked to the proxy card is changed, the type of financial settlement card delegated to the proxy card is changed, so that a large number of finances can be made with one proxy card without changing the proxy card. The present invention provides a method of acting on behalf of a payment card and a method of releasing (deleting) a link of a financial payment card so that the financial payment function of the proxy card can be lost.

Another object of the present invention is to use a mobile communication terminal with a built-in financial card, in the mobile payment method carried out using a short-range wireless communication, by embedding a financial card embedded in the terminal as a proxy card of the present invention, It is to provide a way to change and use various types of financial settlement cards without replacement.

Still another object of the present invention is that when the payment-only terminal with the built-in financial card, so that the proxy card is built in place of the financial application card, the payment-only terminal without the cooperation of financial companies (card companies, banks, etc.), It is to provide a way to launch and subsequently service the contracted bank card.

In addition, the present invention provides a method for changing only a linked and defined database without changing the built-in proxy card even if the business partner financial company is changed.

Still another object of the present invention is that when a payment-only terminal with a built-in financial card, a substitute card is built in place of the financial application card, a plurality of financial cards even in one-chip (One-Chip) method of embedding a single IC chip To provide a way for businesses to participate and provide.

Another object of the present invention is to provide a method for enabling the promotion of a mobile card payment business separately from a mobile communication company when a financial institution builds a mobile payment server and issues a proxy card independently or integrally.

Still other objects of the present invention will become clearer through the preferred embodiments described below.

1 is a view showing the configuration of a financial transaction system through a general credit card inquiry machine.

2 is a view showing the configuration of a card transaction system using a surrogate card according to an embodiment of the present invention.

3 is a view showing the configuration of a financial transaction system in the case of using a proxy card for merchants among the financial transaction method using a proxy card according to an embodiment of the present invention.

4 is a view showing the configuration of a financial transaction system in the case of using a surrogate card for a customer of the financial transaction method using a surrogate card according to an embodiment of the present invention.

5 is a diagram illustrating a screen showing a mobile communication terminal window for applying a link between a merchant card and a subscriber's payment card when applying for a financial transaction using a merchant card for a merchant according to a preferred embodiment of the present invention.

6 is a diagram illustrating a screen showing a mobile communication terminal window to the step of requesting to change the customer surrogate card number when using the customer surrogate card in accordance with a preferred embodiment of the present invention.

FIG. 7 is a diagram illustrating a configuration of a financial transaction system in which a surrogate card is embedded in a terminal and transmitted using near field communication (infrared, radio frequency, Bluetooth, etc.) according to an embodiment of the present invention.

8 is a diagram illustrating various forms of embedding a card (IC chip) in a mobile communication terminal to perform a financial transaction using short-range wireless communication.

9 is a financial transaction using a surrogate card in accordance with a preferred embodiment of the present invention, the mobile payment server for managing the surrogate card to operate in a mobile communication company, or to operate in a financial company (card company, bank, etc.) A system configuration diagram illustrating what can be done.

10 is a diagram illustrating a system processing control flow of a subscriber station when using an affiliated agent card according to an embodiment of the present invention.

11 is a diagram illustrating a system processing control flow of a mobile payment server when a subscriber requests a link between an affiliate agent card number and subscriber payment card information when using an affiliate agent card according to an embodiment of the present invention.

12 is a diagram illustrating a system processing control flow of a subscriber station when using a surrogate card for a customer according to an embodiment of the present invention.

13 is a diagram illustrating a system processing control flow of a subscriber station when using a terminal embedded surrogate card (IC chip) according to an embodiment of the present invention.

14 is a view showing a system processing control flow of a merchant card inquiry machine during a financial transaction using a surrogate card according to a preferred embodiment of the present invention.

15 is a diagram illustrating a system processing control flow of a credit card value added network (VAN) server during a financial transaction using a surrogate card according to a preferred embodiment of the present invention.

16 is a diagram illustrating a system processing control flow of a mobile payment server in a financial transaction using a surrogate card according to a preferred embodiment of the present invention.

17 is a diagram illustrating a processing flow procedure of a financial transaction configuration using a surrogate card according to an embodiment of the present invention.

According to the present invention, a subscriber (customer) 100 occupying a mobile communication terminal, can be connected via the Internet, and registered and managed subscribers as members, issue a proxy card 700, personal information of the subscriber, Mobile payment terminal (150) Mobile payment server 500 and mobile payment server having a database (DB) for storing and managing necessary information such as phone number (or terminal unique number (ESN) number), financial settlement card number and the like; A mobile communication company 600 connected to the Internet, a financial company (card company, a bank, etc.) 400 connected to a credit card network 450, etc., a merchant card inquiry machine 200 and a public telephone communication network (PSTN) 350 And a payment method applied to a financial transaction system including a value-added communication network (VAN) company 300 connected to the financial company server 400 and the mobile payment server 500 via the Internet.

In order to use the surrogate card 700 according to the present invention, the subscriber (customer) 100 accesses the mobile payment server 500 and joins the membership, and then applies for the surrogate card 700, and issues a surrogate card. It is defined by linking with the information of the financial payment card to be used for payment (agent card information = financial payment card information).

At this time, the subscriber 100 may omit the link with the payment card and apply for a link later.

The issued proxy card (Proxy card) may be provided in the form of the agent surrogate card 710, the customer surrogate card 720, the terminal built-in surrogate card 160, depending on the subject and its use.

The merchant card 710 for merchants is to allow payment to the subscriber's financial card through the merchant agent card, without the customer directly holding the agent for the merchant beach.

At this time, the customer (subscriber) 100 does not need to carry a card, only a mobile communication terminal for customer approval.

Merchant agency card 710 is preferably configured to release the link established after completing the transaction once for security.

The customer proxy card 720 is a proxy card occupied by the customer (subscriber) 100 to replace several types of payment cards.

The customer (subscriber) 100 is connected to the mobile payment server 500, it can be used while changing the financial payment card information to be used for payment.

At this time, the customer needs only one customer card 720 and the mobile communication terminal 150.

In the case of the next terminal built-in surrogate card 160, in the form of IC chip, etc. in the terminal dedicated to payment, embedded in the terminal together with the subscriber authentication module (SIM), infrared communication (IrDA or IrFM, etc.), radio frequency (RF) ), Since card information is transmitted using short-range wireless communication such as Bluetooth, a separate receiver is required.

Since the surrogate card is embedded in the terminal, it is not necessary to carry a separate card, and the mobile card may be used by changing the type of financial card to be used for payment by accessing the mobile payment server 500.

At this time, the built-in surrogate card can accommodate all types, such as plastic magnetic type (for dual slot), dual chip type and one chip type (IC chip).

The issuer of the proxy card 700 according to the present invention may be a company operating a separate mobile payment server according to the configuration, may be a configuration issued by a mobile communication provider, issued by a financial company (card company or bank, etc.) The configuration can be taken.

Briefly explaining the proxy card (Proxy card) used in the present invention,

Initially, only the proxy card information (substitute card number, expiration date, etc.) is recorded without any built-in financial information (in this case, there is no function as a financial card), and the financial institution (card company, bank) in the mobile payment server 500 And the like (link card information = payment card information) in connection with the payment card information of the form, such that the surrogate card is delegated to use the function of the linked payment card without having a payment card.

In this case, the linked payment card information includes a financial payment card number and an expiration date.

In addition, the surrogate card number may be issued to the subscriber mobile phone number.

By changing payment cards and links to other payment cards, one proxy card can replace multiple payment cards.

The form may take the form of a plastic magnetic card, a smart card or an integrated IC chip card.

If the link (setting) with the payment card number is released, the function as a financial card can be lost.

Point card function, transportation card function, etc. can be built in a basic configuration as needed.

It will be described with reference to the accompanying drawings for a more detailed description of the invention.

1 is a view showing the configuration of a conventional card transaction system through a general financial card and credit card inquiry machine 200.

In the configuration, when the financial settlement card is inserted into the merchant's credit card inquiry machine 200 to request a transaction, it is transmitted to the credit VAN 300 company through a public telephone network (PSTN) 350, and the credit card A step of requesting credit inquiry and transaction approval number is proceeded to the financial company (card company, bank, etc.) 400 through the network 450.

After the inquiry is issued an authorization number and the like issued a receipt through the card inquiry machine (200).

At this time, in unusual cases such as a department store or a large shopping mall, it may be configured to be directly connected to the financial company server 400 without approval via the value-added communication network (credit VAN) step 300.

In the case of the normal card transaction as described above, it is inconvenient to carry multiple cards of various types depending on the affiliated affiliate card or the purpose of use.

2 secures this problem.

2 is a diagram showing the configuration of a card transaction system using a surrogate card according to an embodiment of the present invention.

2, a mobile payment server 500 for implementing the present invention is provided, and in the state of issuing a proxy card defined in the present invention, the subscriber (customer) 100 for the purpose of requesting a mobile payment server ( 500, and if a link between the proxy card and the financial settlement card is set (agent card information = payment card information), the proxy card 700 can be used in place of the payment card while the link is established. .

Under the set state, the proxy card 700 is read in the credit card inquiry machine (or POS terminal) 200, and the transaction request information (payment amount, transaction type, installment month, etc.) is entered and the credit VAN company server 300 In the step of transmitting to, the credit card VAN company server (300) examines whether the input card information is a surrogate card, and in the case of a surrogate card to the mobile payment server 500 for managing the surrogate card to request a transaction Proceeds.

The requested mobile payment server 500 queries the database and reads a link of a predetermined proxy card and requests a credit inquiry and authorization number from a financial company (card company, bank, etc.) 400 of the corresponding payment card.

If the transaction is possible after the credit inquiry is issued by the financial company 400, the credit is sent to the card inquiry machine 200 through the VAN (300), etc., the step of issuing a receipt is in progress.

At this time, the mobile payment server 500 issuing a transaction approval number for more secure security transmits a message (SMS, ARS, etc.) requesting the final transaction confirmation of the subscriber to the subscriber terminal, to approve the final transaction confirmation of the subscriber You can take steps.

Here, when approving the final transaction confirmation, it may include a step of inputting a password and the like.

The agency card 700 to be issued may be divided into an agent card 710 for a merchant, an agent card 720 for a customer, and an agent card 160 built in a terminal according to its means and use.

In addition, the issuing entity of the proxy card is a configuration issued by a company of an independent mobile payment server, a configuration issued by a mobile communication company 600 linked to the mobile payment server, or a financial company (card company, bank, etc.). The configuration issued by 400 may be all taken.

The company that is the issuing agent of the surrogate card will take advantage of the favorable location because it can be used for commercial purposes by establishing a database that manages and operates customers.

3 is a view showing the configuration of a financial transaction system in the case of using a proxy card for a merchant in the method of using a proxy card according to an embodiment of the present invention.

As shown in the figure, there is provided a step of having a proxy card 710 issued by the present invention to have a proxy card in the merchant.

Since the merchant card 710 for the merchant stores only the information of the proxy card (substitute card number, expiration date, etc.) and the link with the payment card (credit card, debit card, prepaid card, etc.) is not established until the above step, It has lost its function as a payment card.

When the customer (subscriber) 100 visits the merchant to purchase goods, etc., the mobile payment server 500 is connected to the mobile payment server 500 through the wireless Internet for the purpose of using the agent's proxy card 710 instead of the customer's payment card. After connecting, the customer payment card number and the merchant agent card 710 number set by linking (set merchant card information = customer payment card information) and set the merchant card, the merchant card 710 of the merchant credit card inquiry machine If the payment request is inserted into the 200 and the like, the mobile payment server 500 is searched for a predetermined link, and the configuration is made so that the financial transaction is made using the corresponding customer payment card.

In order to secure security, the link information of the merchant sign-up card 710 completed the transaction is preferably configured to release the link to the secondary payment is impossible.

In addition, when the subscriber (customer) 100 cancels the transaction by pressing a cancel button or the like even before the transaction is completed, the transaction is canceled and the setting of the customer payment card linked to the affiliate agent card 710 is canceled. desirable.

If you want to request payment again, go back to the first step, the subscriber is to connect to the mobile payment server 500 and apply again for the affiliated agency card link.

When using the affiliated agent card 710 for the merchant, the customer (subscriber) 100 is able to request payment using his own card without having a card at all.

In other words, the merchant card 710 for the merchant can be used in place of any card of any customer.

4 is a view showing the configuration of a financial transaction system in the case of using a proxy card 720 for customers of the financial transaction method using a proxy card according to an embodiment of the present invention.

As illustrated in FIG. 4, a surrogate card according to the present invention is issued to a subscriber (customer) 100, which is held (stored) by a subscriber, and a link with a financial settlement card when issuing a surrogate card 720 for a customer. In the set state, the customer surrogate card 720 is delegated the function of the customer payment card will be used at the time of payment.

When the customer (subscriber) 100 visits the merchant and tries to use the customer proxy card 720, unlike when using the merchant proxy card 710, there is no separate application for linking the proxy card. As in the case of a general card, the card inquiry machine 200 reads the payment request.

At this time, the financial transaction to be settled will be made with a predetermined customer payment card.

If the number of customer financial payment cards is two or more (if several), and if you want to change the customer financial payment card to pay as needed, access (log in) to the mobile payment server 500, and set a representative If you apply for a change in the customer financial payment card linked to the card, the surrogate card is replaced by the newly set customer payment card.

In the case of the customer surrogate card 720 occupied by the subscriber (customer) 100, even after the transaction is completed, it is preferable that the configuration does not release the link with the predetermined customer payment card.

The link established in the proxy card may be released according to the subscriber's 100 application.

In addition, if the surrogate card is lost or damaged can be reissued, the mobile payment server 500 that manages the surrogate card by connecting to the wired or wireless Internet, and register the surrogate card.

Similarly, in the case of using the customer proxy card 720, for security purposes, the mobile payment server 500 receives payment approval from the financial institution 400 and delivers it to the credit VAN (value added communication network) 300 server. During the process, a message (SMS, ARS, etc.) receiving the final transaction confirmation (approval) of the subscriber (customer) 100 may be transmitted to receive the final confirmation of the subscriber.

FIG. 5 illustrates a screen showing a mobile communication terminal window for applying a link between an affiliate agent card and a subscriber (customer) payment card when applying for a financial transaction using an affiliate card for a merchant according to a preferred embodiment of the present invention. Drawing.

First, the subscriber (customer) 100 to log in to the mobile payment server 500 using the subscriber's mobile communication terminal 150 in order to set up a proxy card 710 for the merchant (① of FIG. 5).

When selecting "Membership Agent Payment" from the list shown in the terminal window, a screen for entering a password for security is shown (2 in Figure 5).

The step of inputting the password may be configured to be omitted without duplication when a user is authenticated by inputting a password when logging in.

If the password is matched, the screen for receiving the merchant agent card 710 number is shown (3 in Figure 5).

Although not shown, when entering the merchant card 710, and transmits to the mobile payment server 500 that manages the proxy card, the mobile payment server 500, the merchant card number entered and the payment of the preset subscriber After the card information is defined by linking (merchant agency card information = payment card information), the step of storing it in a database will be performed.

Then, when the subscriber 100 inserts the merchant card 710 into the merchant's credit card inquiry machine (or POS terminal, etc.) 200 to request payment, the mobile payment server 500 receives the requested merchant agent card. The customer payment card linked to the number is inquired, and a credit inquiry and transaction approval number is requested from the financial company (card company, bank, etc.) of the corresponding customer payment card.

At this time, if the transaction is approved after the credit inquiry and issued an authorization number, the mobile payment server 500 transmits a message (SMS, ARS, etc.) asking for the final transaction confirmation (approval) of the subscriber 100 (FIG. ④ of 5).

The subscriber (customer) 100 checks the received customer approval (confirmation) message, and if there is no abnormality, presses the confirmation (or transmission) button, etc., when the final approval is made, the approval number is returned to the merchant card inquiry machine 200. The receipt will be sent.

Then, the receipt is received by the customer 100 to store the receipt and finish the configuration.

If the subscriber's 100 financial settlement card is 2 or more, and in order to request a payment through a payment card other than the predetermined payment card, the mobile payment server 500 may be connected to apply for a payment card change (FIG. 5). ⑤).

The step may be a step made by accessing the mobile payment server 500 through the wired and wireless Internet, and installed as a program in a memory in the mobile phone terminal, simplifying the step of transmitting, and coded and encrypted for security It may be a configuration to transmit.

FIG. 6 is a diagram illustrating a screen showing a mobile communication terminal window in which a customer surrogate card number can be applied for change when a customer surrogate card 720 is used according to a preferred embodiment of the present invention.

When the subscriber 100 logs in to the mobile payment server 500 to change the setting of the surrogate card 720 for the customer, the mobile payment service initial screen is shown on the mobile communication terminal 150 of the subscriber (Fig. ①) of 6).

For example, when the customer proxy card 720 is reissued due to a loss or damage, when the customer proxy card setting is selected to change the setting of the customer proxy card, the customer proxy card number is changed. Or a window that can turn on / off the function is shown (3 in FIG. 6).

Before changing the setting, a step of inputting a password (2 in FIG. 6) may be added for security.

When the customer enters the surrogate card 720 for setting a new number (4 in Fig. 6), it is stored in the database of the mobile payment server 500 to exert its function.

In the case of the mobile communication terminal embedded customer surrogate card 160, by inserting a new surrogate card into the terminal slot (or inserting the IC chip), the card number is automatically recognized and stored in hardware. It may be a configuration.

The step may be a step made by accessing the mobile payment server 500 through the wired and wireless Internet, and installed as a program in a memory in the mobile phone terminal, simplifying the step of transmitting, and coded and encrypted for security It may be a configuration to transmit.

Although not shown, even when using the customer proxy card 720, if the customer payment card that can be linked to two or more, the subscriber can change the link to the desired payment card.

7 is a diagram illustrating a configuration of a financial transaction system in which a surrogate card is embedded in a terminal and transmitted through short-range wireless communication according to an embodiment of the present invention.

As shown in the figure, the mobile communication terminal has a built-in card for financial settlement (160) and utilizes short-range wireless communication technologies such as infrared communication (IrDA or IrFM), radio frequency (RF), and Bluetooth (Bluetooth). There is provided a payment-only terminal 160 for transmitting the information of the built-in card,

A configuration is provided in which a card inquiry device equipped with a receiver 250 (infrared (optical) receiver, RF receiver, Bluetooth receiver, etc.) 250 for receiving the signal is provided.

Receiving apparatus for receiving the signal, etc. may be configured to be additionally installed as in 250 of FIG.

At this time, the one-chip, dual-chip, dual-slot, etc. in the way that the card is embedded in the mobile communication terminal, the card information embedded in the subscriber authentication module (SIM) and financial application card (including proxy card) information.

Issuing a built-in proxy card described in the present invention in the financial payment card configuration embedded in the mobile communication terminal 160 of the above configuration, the subscriber 100 is connected to the mobile payment server 500, the financial payment card to be used for payment Link to define (agent card number = financial payment card information) step is in progress.

The number of the surrogate card may be composed of a number and an English letter or a combination thereof, and may include information such as an issuer, a card type, and a serial number.

In addition, for convenience, the configuration may be such that the proxy card number is the same as the subscriber mobile phone number.

When the subscriber 100 sends the proxy card information to the receiving unit 250 of the card inquiry machine to request payment by visiting the affiliated store, the subscriber 100 searches the received card information for transaction. You will be asked for approval.

In this case, the mobile payment server 500 inquires the requested proxy card information, reads the predetermined financial payment card information from the database, and receives a credit inquiry and transaction approval number from a corresponding financial company (card company, bank, etc.). The authorization number is transmitted to the merchant card inquiry machine 200 through the value-added communication network (credit VAN) company (300).

After that, the receipt will be issued, signed and stored.

Receiving a final confirmation (approval) of the subscriber 100 for the security of the security, it may add a step to enter a password and the like.

The addition of the step may be a configuration that is added when transmitting the card information from the subscriber terminal 160 to the receiver 250 of the card lookup, the mobile payment server 500 receives credit inquiry and transaction approval from the financial company, It may be a configuration added after the step of receiving the approval number.

By embedding a surrogate card in the mobile communication terminal, it is possible to change the customer's financial settlement card, which is actually paid, as needed.

In order to change the linked settings, the mobile payment server 500 that manages the surrogate card can be accessed, and the financial settlement card set in the surrogate card can be changed and set, regardless of the type of card and the issuer. You can link to your payment card.

Therefore, the mobile carrier 600 may be able to launch and disseminate the terminal even when the initial payment-only terminal 160 is released without selecting a partner financial company (card company, bank, etc.), and then cooperate with the financial company to The configuration application may proceed to perform the function of the financial card.

In addition, in the case of the existing smart card embedded method (one chip, dual chip, etc.) that can only embed the information of one financial card, due to its characteristics, cooperation and service with one financial company (card company) is possible,

In the case of a smart card embedded method containing a surrogate card according to the present invention, a number of financial companies can participate in the service.

In addition, the surrogate card is preferably in the form of a smart card added a function, such as point cards, traffic cards.

The function of the point card, the transportation card may be configured to be linked to the linked financial payment card linked to, or provided separately from the linked financial payment card, the configuration of interworking with the proxy card issuer or mobile communication company You can also take

As described above, by issuing a surrogate card using a short-range wireless communication, it is possible to flexibly respond to changes in the mobile payment method.

8 is a diagram illustrating various forms of embedding a card (or IC chip) in a mobile communication terminal to perform a financial transaction using short-range wireless communication.

Built-in subscriber authentication module (SIM) in the form of a chip in the terminal, the financial payment card is a dual slot (Dual-Slot) method to insert a slot (Slot) between the terminal battery and the body, (① of Figure 8), Dual-Chip method (2 in FIG. 8), which incorporates two IC chips, such as a chip of a subscriber authentication module (SIM) and a chip containing a financial application, and a single IC with a subscriber authentication module (SIM) and a financial application. A one-chip method (3 in Fig. 8) and the like embedded in the chip are used.

9 is a financial transaction using a proxy card according to a preferred embodiment of the present invention, the mobile payment server 500 for managing a proxy card operating in the mobile communication company 600, or financial companies (card companies, banks) Etc.) is a system configuration diagram illustrating what can be operated in (400).

The subject that operates the mobile payment server 500 for managing the surrogate card, the subject of issuing the surrogate card and managing the subscriber becomes the subject of the mobile payment carried out by the present invention, the customer transaction history, such as high customer value As it is possible to establish management (CRM), commercially-sponsored companies have very favorable conditions.

As shown in the figure, the subject that operates the mobile payment server 500 for managing the surrogate card of the present invention may be a configuration (S701) that is a mobile communication company 600, or financial companies (card companies, banks, etc.) 400 Characterized in that may be a configuration (S702) to manage.

10 is a diagram illustrating a system processing control flow of a subscriber mobile communication terminal 150 when using an affiliated store agent card 710 according to an embodiment of the present invention.

Referring to FIG. 10, a situation is disclosed in which a subscriber 100 wants to use an affiliate store card 710 as a means for requesting a payment by visiting a merchant.

First, the subscriber (customer) 100 opens the subscriber mobile phone terminal 150 to select the "payment mode" of the mobile payment service (101).

When the user accesses the payment mode, the user selects "Membership Agent Payment" from the list listed in the terminal window (102), and enters a password (103) for legitimate membership authentication.

Inquiry 104 of the input password, and if yes (Yes), the step of receiving 105 the merchant agent card number proceeds.

If the entered password is incorrect (No), the process returns to step 103 of inputting the password again and may be input again.

For security reasons, the limit number of errors (N) is determined, and the number of errors is counted each time (106), and when the limit error count is exceeded, the payment mode is locked and terminated (107-108).

The password input and confirmation step may take a configuration that is omitted for convenience when pre-confirmed at login.

Enter the merchant agent card number 105 and transmit it to the mobile payment server (109), the mobile payment server 500 links the received merchant card information to the predetermined subscriber financial payment card information (merchant card information = subscriber) Payment card information) and store in DB (database).

Subsequently, when a payment request is made to the affiliated agency card 710, the database DB stored in the mobile payment server 500 is searched, the linked subscriber financial payment card information is loaded, and transmitted to the corresponding financial company. You will be asked to issue a credit inquiry and transaction approval number.

If the financial institution 400 approves the transaction, for security, if necessary, a message for requesting the final confirmation (approval) of the customer (subscriber) is sent, and the customer approval request message is received 110 in the subscriber terminal window. .

Checking the transaction details and the like, and determining whether the customer (subscriber) final approval is initiated (111).

If the subscriber (customer) is confirmed after confirming the details (by pressing the corresponding button, etc.) (Yes), a receipt is issued from the merchant card inquiry machine 200, after signing the issued receipt and receiving a copy (112), It shows the system control flow that ends the transaction.

11 is a system processing control of the mobile payment server 500 when the subscriber 100 requests the link between the merchant proxy card number and the subscriber financial settlement card when using the affiliate agent card 710 according to an embodiment of the present invention. It is a figure which shows the flow.

When the subscriber 100 receives the signing agent card number for the affiliated store (502), which is logged in to the mobile payment server 500 (501), after setting a link with the predetermined subscriber payment card information (the merchant signing card information = payment) Card information) shows the process of storing (503) in the database.

12 is a diagram illustrating a system processing control flow of a subscriber mobile communication terminal 150 when using a customer surrogate card 720 according to an embodiment of the present invention.

Subscriber (customer) 100 is a member of the mobile payment server 500 to implement the present invention for the purpose of using the surrogate card of the present invention, is issued a surrogate card 720 for the customer, the financial settlement to be used at the time of payment The premise with the card linked starts.

When the subscriber 100 reads the proxy card 720 for the customer in the merchant card inquiry machine 200 (121), as in the above-described configuration, it is transmitted to the mobile payment server 500, the corresponding financial settlement set up Payment is made through the card.

The mobile payment server 500 queries the database, imports the financial settlement card information linked to the predetermined customer surrogate card 720, and requests credit inquiry and transaction approval from the corresponding financial institution (card company, bank, etc.). Done.

When the transaction is approved and an authorization number is issued, a message for receiving final confirmation (approval) of the subscriber 100 is received by the subscriber terminal (122).

After the subscriber confirms the approval after the final confirmation (123), if the approval (Yes), and transmits the customer approval data message to the mobile payment server 500 (124).

Once a final approval is made, the system process control flow proceeds, signing the receipt and receiving a copy 126 to complete.

If the subscriber denies the final approval (No), the transaction cancellation message is transmitted 125 and ends.

The final confirmation (approval) process of the customer may be omitted for convenience of configuration, and a "password entry" step may be added for more complete security.

If the configuration to omit the customer final confirmation process, it is possible to simply finish the configuration simply by reading the proxy card in the card inquiry machine (reader) 200 during the actual progress.

FIG. 13 is a diagram illustrating a system processing control flow of a subscriber mobile telephone terminal when using a terminal embedded proxy card according to an embodiment of the present invention.

Similarly, a premise situation is disclosed in which a terminal built-in proxy card is issued and a financial settlement card to be used for a link is set.

When the subscriber 100 transmits the proxy card information embedded in the mobile communication terminal to a receiver (receiver) 250 of the merchant card inquiry machine 131 through short-range wireless communication, it is transmitted to the mobile payment server 500 and linked. Payment is made through the established financial settlement card.

The mobile payment server 500 queries the database, imports the financial settlement card information linked to the predetermined customer surrogate card 720, and requests credit inquiry and transaction approval from the corresponding financial institution (card company, bank, etc.). Done.

When the transaction is approved and an authorization number is issued, a message for receiving final confirmation (approval) of the subscriber (customer) 100 is received by the subscriber terminal (132).

After the subscriber confirms the approval after the final confirmation (133), if the approval (Yes), and sends a customer approval confirmation message to the mobile payment server 500 (134).

Once the final approval is made, the system process control flow proceeds, signing the receipt and receiving a copy (136) and ending.

If the subscriber denies the final approval (No), the transaction cancellation message is transmitted (135) and ends.

The final confirmation (approval) process of the customer may be omitted for convenience of configuration, and a "password entry" step may be added for more complete security.

In the case where the final confirmation (approval) process of the customer (subscriber) 100 is omitted, the mobile telephone terminal 160 is placed on the receiving unit 250 of the card inquiry machine by the short-range wireless communication during the actual transaction. The configuration can be completed simply by sending the surrogate card information.

14 is a view showing a system processing control flow of the merchant card inquiry machine 200 during a financial transaction using a surrogate card according to a preferred embodiment of the present invention.

Referring to FIG. 14, when a proxy card 700 is inserted into a merchant card inquiry machine 200, or data is transmitted using short-range wireless communication (201), input payment information to be requested (202), value-added communication By accessing a network of a company (VAN) or a financial company (card company, bank, etc.), a request for payment approval of the card is requested (203).

If the requested card number is the proxy card 700 number, the mobile payment server 500 is sent to look up, and then request a credit inquiry and transaction approval to the financial institution (card company, bank, etc.) 400 of the payment card. And, the inquiry is made normally and the step of issuing a transaction approval number will be started.

When the authorization number is received by the card lookup machine 200, a receipt is issued (205), the customer (subscriber) 100 requests a signature (207) and the receipt is kept (208) and the process is completed.

The system configuration of the card lookup machine 200 is an embodiment for a detailed description of the present invention, and may vary slightly depending on each country or service provider.

Therefore, it should be construed to include all conventional card inquiry system configuration implemented based on the filing date of the present invention.

15 is a diagram illustrating a system processing control flow of a credit card value added network (VAN) 300 during a financial transaction using a surrogate card according to a preferred embodiment of the present invention.

As shown in FIG. 15, when the payment request data is received from the credit card inquiry machine 200 (301), the received data is analyzed to determine whether it is information of the surrogate card (302).

In this case, the received payment request data may include card information such as card number, expiration date, and transaction information such as payment amount, installment month, and merchant number.

If the received data is information of the surrogate card (Yes), a request is made to the mobile payment server 500 managing the surrogate card (303).

At this time, the mobile payment server 500 loads the predetermined financial settlement card information on the proxy card, and starts the step of requesting credit inquiry and transaction approval to the corresponding financial company, approving the transaction and granting an approval number, etc. If so, it is to transmit the approval number to the VAN (300).

If the data received from the card lookup machine 200 is information of a general card rather than information of a surrogate card (No), it is transmitted to a corresponding financial institution (card company, bank, etc.) server for credit inquiry and transaction approval. It is requested (304).

In this case, the financial institution 400 performs an inquiry such as whether the late payment is overdue or calculates the balance, and when the processing is normal, the transaction approval number is assigned.

In case of receiving the approval number (Yes), the approval number and the like are transmitted to the affiliated card inquiry machine 200 and finished.

If the transaction is rejected due to a credit failure or insufficient balance, and the authorization number is not received, or if a rejection (cancellation) signal is received (No), a corresponding error code (transaction impossible message, etc.) is transmitted (307). The finished step is in progress.

16 is a diagram illustrating a system processing control flow of a mobile payment server 500 during a financial transaction using a proxy card according to an exemplary embodiment of the present invention.

First, when the payment approval request data is received from the value-added communication company (VAN) 300 or the like (511), the mobile payment service server 500 opens the database to query the database of the received proxy card (512). Proceeds.

It is determined whether the data to be queried is a surrogate card having a linked (financial payment card number value defined) (513), and if the financial settlement card information is not defined, that is, the surrogate card number is not linked (No). ) Transmits the corresponding error code message (515) and ends.

If the financial payment card information is a linked proxy card number normally (Yes), request a credit inquiry and transaction approval to the financial institution (card company, bank, etc.) 400 corresponding to the linked financial payment card (514), request Determining whether or not the authorization number is received 516 is performed.

If the transaction is rejected due to bad credit, insufficient balance, or the like, and the approval number is not received (No), the corresponding error message is sent (518).

If the transaction is normally approved and receives an approval number (Yes), a step of transmitting (517) the approval number to a value-added communication (VAN) network is performed.

Next, it is determined whether the type of the surrogate card processed is an agent card for the merchant (519), and if the agent card for the merchant (Yes), the link of the set proxy card is terminated (520), and the agent card for the merchant ends. If no (No), the configuration proceeds to finish without a link release step.

17 is a diagram illustrating a processing control flow procedure of a financial transaction configuration using a surrogate card according to a preferred embodiment of the present invention.

According to FIG. 17, the subscriber 100 logs in to the mobile payment server 500 managing the surrogate card, establishes a link between the surrogate card and the financial settlement card, and surrogate to the credit card inquiry machine 200. When the card is read, ③ merchant credit card lookup machine 200 enters the payment information and transmits to the value-added communication (VAN) company (300).

Credit VAN (Value Added Network) company server 300, if the payment information received is a general card, ④ request the credit inquiry and payment approval to the financial institution (card company, bank, etc.) 400, ⑥ issue the approval number Receive.

If the received payment request information is proxy card information, ④ 'request the proxy card approval to the mobile payment server 500, the mobile payment server 500 is linked to the requested proxy card number financial payment card By reading the information, ⑤ request the financial institution 400 to approve credit and payment.

⑥ 'If the approval number is issued, for the security depending on the configuration ⑦ subscriber (100) to request a final confirmation (approval) through the mobile phone terminal, ⑧ the subscriber (100) the step of receiving approval.

Then, the mobile payment server 500 combines the necessary data, and transmits the approval number to the credit VAN company server 300.

Credit VAN company server 300 ⑩ transmits the received authorization number, etc. to the merchant card inquiry machine 200, the card inquiry machine 200 after receiving a receipt to the subscriber 100 by combining the received information. In this case, the step of receiving a signature is in progress.

When the subscriber 100 receives and keeps a copy of the receipt, all steps are completed.

That is, by using the surrogate card of the present invention, a technology that can replace a plurality of financial settlement cards with one card is disclosed.

As described above, the financial transaction using the proxy card of the present invention provides a technology that can replace a plurality of financial settlement card with one proxy card.

When the present invention is carried out, the effects that can be caused by dividing the mobile carrier side, card company side, subscriber (customer) side will be described.

(A) mobile carrier side;

When promoting a mobile payment service using a payment-only terminal with a built-in proxy card according to the present invention, by embedding the proxy card of the present invention in a financial application card embedded in the terminal, affiliated financial companies (card companies, banks) at the initial terminal release It is possible to proceed with commercialization regardless of.

Afterwards, alliances with financial institutions are underway, and linking payment cards of affiliated financial companies to proxy cards can be made according to the subscriber's application. Done.

In addition, in the case of operating a mobile payment server that manages surrogate cards, it is possible to rationalize the construction of customer relationship management (CRM) through commercially available information such as transaction details of customers.

Since the financial settlement card linked to the proxy card can be changed at any time, it is possible to flexibly contract an exclusive contract with a specific financial institution (card company) or joint contract with many financial institutions, depending on the operator or the plan.

In addition, even if the affiliated financial institution changes, there is no need to replace the system or payment terminal.

(B) aspects of financial institutions (card companies, banks, etc.);

Financial companies also build a mobile payment server by integrating through the formation of an independent or federated association, by issuing a merchant card for the merchant or customer agent of the present invention, it is possible to promote commercialization separately from the mobile carrier.

Even in the case of a configuration in connection with a mobile carrier, the mobile payment server only serves as a relay for searching the link of the surrogate card and the financial settlement card, and when the configuration does not store the customer use information DB, the company's customer use information is exposed to other companies You can't let that happen.

Since the surrogate card substitutes a large number of payment cards with a single card, it may not be possible to manufacture plastic cards at the time of new card issuance or card re-issuance, and thus a cost reduction effect may be expected.

(C) subscriber (customer) aspects;

One surrogate card can replace a large number of customers' cards, eliminating the need for multiple cards and reducing the risk of theft and duplication of cards.

Even if the plan (service method) of a card company or a mobile carrier is changed, all of them are applicable, so there is no need to replace the terminal.

Since the subscriber can change the payment card linked to the proxy card at will, the subscriber can select a payment service provider (financial company; card company).

In addition, the effect of the present invention, since the surrogate card can be applied to all mobile payment methods, such as short-range wireless communication (infrared communication, radio frequency method, Bluetooth), it is possible to flexibly respond to the change of the form of the various payment methods. .

Claims (18)

It is possible to connect with subscribers (customers) occupying mobile communication terminals through the Internet, register and manage subscribers as members, and financial settlement cards (credit cards, debit cards, prepaid cards issued by financial companies (card companies, banks, etc.) Issuance of a surrogate card that can be used by delegating the function of (transport card, etc.), and a database (DB) for storing and managing necessary information such as personal information of the subscriber, mobile communication terminal number, financial settlement card number, etc. Mobile payment server and mobile payment server and mobile communication company connected to the Internet, financial companies (card companies, banks) connected by credit card network, etc., merchant card inquiry and public telephone network (PSTN), etc. And a financial transaction system consisting of a Value Added Telecommunications (VAN) company connected to the Internet through a mobile payment server. Defining and linking the surrogate card number issued by the subscriber to the mobile payment server with the financial settlement card information to be used for payment; Requesting a payment by reading a proxy card at a merchant's credit card inquiry; If the requested card information is a surrogate card, requesting a surrogate card inquiry and approval to the mobile payment server managing the surrogate card; The requested mobile payment server is linked to the surrogate card to retrieve the defined financial payment card information from the database, and requesting credit inquiry and transaction approval to the corresponding financial companies (card companies, banks, etc.); Transmitting an authorization number, etc. issued by receiving a transaction from a financial institution to a card inquiry machine; And When receiving the authorization number, mobile payment method and system using a surrogate card, characterized in that it comprises a step of issuing a receipt and storing the subscriber signature. According to claim 1, the surrogate card is initially recorded only the proxy card information without a function as a financial payment card, and linked to the financial payment card information issued by financial companies (card companies, banks, etc.) from the mobile payment server If defined, the mobile payment method and system using a surrogate card, characterized in that the surrogate card is a form of the card to be delegated to use the function of the payment card without owning a financial settlement card. 3. The mobile payment method and system of claim 2, wherein the surrogate card information and the financial settlement card information are information including respective card numbers and expiration dates. The mobile payment method and system using a proxy card according to claim 3, wherein the proxy card number in the proxy card information can be issued in the same manner as the mobile phone number. The method and system of claim 2, wherein the issuance form of the surrogate card comprises a plastic magnetic form, a smart card form, or an embedded IC chip card form. The mobile payment method and system of claim 2, wherein the information on the initial surrogate card includes a point card function, a traffic card function, and the like as a basic configuration. According to claim 1, Mobile payment method and system using a surrogate card, characterized in that the definition set by linking the surrogate card and the financial settlement card in the mobile payment server data "agent information = financial settlement card information". The mobile payment method and system using a proxy card according to claim 7, characterized in that it is possible to change the defined financial payment card information linked with the proxy card information with other financial payment card information of the subscriber. The method of claim 1, wherein the surrogate card issued by the mobile payment server includes a form of a surrogate card for a merchant, a surrogate card for a customer, and a surrogate card with a terminal according to an object and a purpose. And system. The method of claim 1, wherein the company issuing and operating the surrogate card may be a configuration issued by a mobile carrier, a configuration issued by a financial company (card company, bank, etc.), and operates a separate independent mobile payment server. Mobile payment method and system using a surrogate card, which may be a company. It is possible to connect with subscribers (customers) occupying mobile communication terminals through the Internet, register and manage subscribers as members, and financial settlement cards (credit cards, debit cards, prepaid cards issued by financial companies (card companies, banks, etc.) Is a database that stores and manages necessary information such as personal information, mobile communication terminal number, financial payment card information, etc. A mobile payment server with a DB and a mobile payment server connected to a mobile payment server, a financial company (card company, a bank, etc.) connected through a credit card network, a merchant card inquiry machine and a public telephone network (PSTN), etc. A financial transaction system consisting of a Value Added Telecommunications (VAN) company connected to a financial institution server and a mobile payment server via the Internet is applied. Selecting a "payment mode" of the mobile communication terminal to access (log in) a mobile payment server managing a proxy card for the purpose of requesting payment by a subscriber (customer) using the merchant card; Selecting "Membership Agent Payment" from a list listed in the payment mode; Inputting a password for valid member authentication; If the password is matched by entering the merchant agent card number and transmitting to the mobile payment server; Reading a merchant agent card in a merchant card inquiry and requesting payment; Confirming the subscriber's approval by transmitting a final confirmation (approval) message of a customer (subscriber) when a payment request is received at the agent's proxy card number inputted by the subscriber; And Mobile payment method using a proxy card for merchants, characterized in that it comprises the step of issuing a receipt number, issuing a receipt by requesting credit inquiry and transaction approval to a financial company (card company, bank, etc.). 12. The mobile payment method of claim 11, wherein, in the case of the affiliated agent card in which the payment is completed, the secondary payment is not possible by releasing the setting linked to the customer's financial settlement card. And system. It is possible to connect with subscribers (customers) occupying mobile communication terminals through the Internet, register and manage subscribers as members, and financial settlement cards (credit cards, debit cards, prepaid cards issued by financial companies (card companies, banks, etc.) Issuing a surrogate card that can be used by delegating the function of (transport card, etc.), and the database (DB) that stores and manages the necessary information such as personal information of the subscriber, mobile communication terminal number, financial payment card information, etc. It is connected to the mobile payment server and the mobile payment server and the mobile communication company connected to the Internet, the financial companies (card companies, banks, etc.) connected by the credit card network, the merchant card inquiry and the public telephone network (PSTN), etc. A financial transaction system consisting of a Value Added Telecommunications (VAN) company connected to the company's server and mobile payment server via the Internet is applied. A subscriber (customer) accessing (logging in) a mobile payment server managing a proxy card; Linking and defining the issued surrogate card information for the customer and the financial settlement card information to be used for payment, and storing it in a database; Inserting a proxy card for the customer into the merchant card inquiry requesting a payment; Retrieving the information of the requested proxy card for the customer and retrieving the linked subscriber financial payment card information; Requesting credit inquiry and transaction approval to the imported financial settlement card company; Sending a customer final approval (confirmation) message to the subscriber's mobile terminal to receive the final confirmation (approval) of the subscriber when the transaction is approved and the approval number is transmitted; And Mobile payment method and system using a surrogate card for a customer, characterized in that it comprises the step of issuing a receipt by receiving a final approval of the subscriber and a combination of the authorization number. Connect via the Internet with subscribers (customers) who occupy payment-only mobile terminals that support mobile payments through short-range wireless communications (such as infrared (IrDA or IrFM), radio frequency (RF), Bluetooth, etc.) It is possible to register and manage subscribers as a member, and to use the delegated functions of financial settlement cards (credit cards, debit cards, prepaid cards, transportation cards, etc.) issued by financial companies (card companies, banks, etc.) Mobile connection server and mobile payment server connected to the Internet with a mobile payment server that issues a proxy card and has a database (DB) for storing and managing necessary information such as personal information of the subscriber, mobile communication terminal number, financial payment card information, etc. Financial companies connected to telecommunications companies, financial companies (card companies, banks, etc.) connected by credit card networks, merchant card searchers and public telephone networks (PSTN), etc. The banking system of value-added telecommunications (VAN) companies connected to the Internet server and a mobile payment application, Linking and defining proxy card information embedded in a payment-only mobile communication terminal and financial payment card information of a subscriber to be used for payment; Transmitting the proxy card information of the payment-only mobile communication terminal to a data receiver (infrared (optical) receiver, RF receiver, Bluetooth receiver, etc .; including internal and external types) of the merchant card reader; Reading the linked financial payment card information by sending the received proxy card information to the mobile payment server; Requesting credit inquiry and transaction approval to the read financial settlement card company; When the transaction is approved and the approval number is transmitted, transmitting a customer final confirmation (approval) message to the subscriber mobile communication terminal to receive the final confirmation (approval) of the subscriber; And When the final confirmation (approval) of the subscriber (customer) is made, the mobile payment method and system using a terminal embedded proxy card comprising the step of issuing a receipt by combining the authorization number and the like. 15. The method of claim 14, wherein the financial settlement card linked to the proxy card is changed to change the card to be used for payment, or the link is released to extinguish the financial settlement function of the proxy card. Mobile payment method and system using a surrogate card. The mobile payment method using a surrogate card according to claim 14, further comprising a configuration for omitting a customer final confirmation (approval) step in order to execute a quick payment. 15. The method of claim 14, wherein the smart card method such as one-chip, dual-chip, dual-slot, etc. in the form of a surrogate card embedded in a payment-only terminal, and radio frequency (RF) ), Mobile payment method and system using a surrogate card, characterized in that using a short-range wireless communication method, including Bluetooth. The mobile payment method and system of claim 1, wherein the subscriber can check the usage history of the payment using the proxy card by accessing (logining) the mobile payment server through the Internet.