KR20040066769A - System For Providing A Service Of Settlement A Mobile Phone Of Credit Card And Its Method - Google Patents

Abstract

PURPOSE: A system and a method for offering a mobile settlement service of a credit card are provided to make a credit card company form a more stable credit card settlement system by making the customer confirm the settlement before the settlement as directly transmitting an approval number to the customer. CONSTITUTION: The customer(40) buys an article at a shopping mall(30) and selects the credit card mobile settlement as a settlement tool. If the customer inputs the credit card company(10) and a mobile number, a settlement agency(20) or the credit card company confirms the inputted mobile number and transmits a certification number to the mobile number of the customer. If the customer inputs the certification number and a password for the mobile credit card settlement to the shopping mall, the settlement agency or the credit card company confirms the password and the certification number. The credit card company decides the approval by evaluating the credit information of the customer, and informs the settlement agency and the shopping of the approval. The shopping mall informs the customer of an approval result.

Description

System for Providing A Service Of Settlement A Mobile Phone Of Credit Card And Its Method}

The present invention is for the efficient improvement of the credit card payment method when the customer and the payment target is remote from the payment of the credit card.

Existing payment methods inform customers of credit card numbers, expiration date, etc., and make payments, which exposes the risk of information security. Currently, only certificate-based payments are available through services such as Internet safety payment. Payment is possible only on a computer with a certificate installed, and it is difficult to pay a wired credit card such as a telephone call.

1 is a configuration diagram of one embodiment of a conventional credit card payment system.

That is, Figure 1 shows a conventional general credit card payment service providing system, as shown in the figure, each credit card company 50 is a certificate to the customer's computer 60 through the Internet security payment service registration procedure from the customer When the payment request is generated from the payment relay agency such as a shopping mall, the credit card payment approval is performed by comparing the certificate-based payment information and the certificate information held by the credit card company.

In this case, the customer can be limited to the computer with the certificate installed, and there is a problem that the existing credit card number and expiration date must be provided in the credit card payment through a telephone call such as home shopping.

The present invention is to solve the above-mentioned problems, overcoming the limitation that the credit card payment records information such as the customer's credit card number and expiration date, or the payment is limited only on the computer with the Internet security payment certificate is installed. In addition, it is an object of the present invention to provide a credit card mobile payment system and method for increasing security and stability of payment when it is not possible to directly exchange information with a network such as home shopping.

1 is a configuration diagram of an embodiment of a conventional credit card payment providing system according to the related art.

Figure 2 is a configuration diagram of an embodiment of a credit card mobile payment service providing system to which the present invention is applied.

Figure 3 is a credit card mobile payment application flow chart in accordance with the present invention.

Figure 4 is a payment flowchart in a shopping mall of a credit card mobile payment service according to the present invention.

Figure 5 is a credit card mobile payment service additional user mobile registration flow chart according to the present invention.

6 is a payment flowchart using a credit card mobile payment service of an additional user in a shopping mall.

<Description of the symbols for the main parts of the drawings>

10: credit card company server 20: payment agency server

30: server such as shopping mall 40: customer who owns a credit card

41: additional user customer 50: mobile carrier

The present invention for achieving the above object is to read the existing credit card magnetic information or transfer the information of the card number and expiration date of the credit card to confirm the credit card ownership and purchase the cash service and goods according to the customer's credit status In the general credit card payment method for processing the authorization according to the present invention to explain a credit card payment method through mobile authentication as a safer and more convenient payment method, the technical idea of the present invention is not limited or limited to the customer's child or spouse, etc. It can be extended to provide credit card mobile service within the limit set in advance for each credit range and registered mobile.

1 is an explanatory diagram illustrating a payment flow of a conventional credit card payment system, in which a customer 40 requests a payment in a shopping mall 30 and a payment history and a member to a credit card company 10 through a payment agency 20. The credit card information of the request for credit card authorization by passing the credit card company 10 checks the credit and password of the customer to determine the approval and transfers the authorization to the payment agency 20. The shopping mall 30 shows a flow of notifying the customer of the completion of the payment and delivering the goods based on the approval received from the payment agency 20.

2 is an explanatory diagram illustrating a payment flow of a credit card mobile payment system, wherein a customer 40 purchases an item at a shopping mall 30 and selects a credit card mobile payment as a payment method, and a credit card company 10 and a mobile number. If you enter the payment agency 20 or credit card company 10 checks the entered mobile number and sends the authentication number to the mobile number of the customer through the mobile carrier 50 and the customer 40 is received by his mobile After confirming the shopping information and the authentication number, and entering the authentication code and the pre-registered credit card mobile payment password in the shopping mall 30, the payment agency 20 and the credit card company 10 receives the corresponding authorization number and password. Compare the password stored in the mobile payment server of the credit card company 10 with the authentication number sent to the customer 40 and the received authentication number to check the matching information, and the customer's credit card associated with the mobile number Evaluate the credit information to determine whether to approve and deliver the result to the payment agency 20 and the shopping mall 30, the shopping mall 30 notifies the credit card mobile payment flow by notifying the customer 40 of the confirmed approval results. Will end.

In addition, when the customer applied for payment history SMS service to the credit card company 10, the final approved details are delivered to the customer so that the customer can check the final details of the payment.

In the above flow, the shopping mall 30 and the payment agency 20 may solve the distrust of the customer's information leakage by not receiving the customer's personal information and payment information such as the credit card number and the expiration date from the customer and the credit card company (10). ) By sending the approval number directly to the customer 40 can be configured to more reliable payment flow by including communication with the customer in the flow of giving the payment approval only with the approval information previously received from the payment agency 20. Will be.

Figure 3 is an explanatory diagram showing the flow of credit card mobile payment application, through the authentication process through the online or call center of the credit card company 10 owned by the customer 40 to apply for mobile services and register their own mobile number And the process of registering the mobile payment password along with the procedure for receiving the authentication number via mobile.

4 is a flowchart of processing a shopping mall payment using a credit card mobile service, in which a customer 40 purchases goods and services of a shopping mall 30 and selects a credit card mobile payment as a payment method, and then the credit card company 10. After registering the mobile number, the shopping mall 30 and the payment agency 20 transmit the corresponding information to the credit card company 10 along with the purchase information, and the credit card company 10 received through the credit card mobile payment server. Based on the information, the credit card mobile service subscription is confirmed and the purchase information is compared with the customer's credit information, and the authorization confirmation number is transmitted to the customer's mobile with the purchase information. The customer registers the approval confirmation number and the mobile password notified by the credit card company 10 to the shopping mall 30 and the payment agency 20 with their mobile. The authorization confirmation number, mobile number and mobile password received are sent to the credit card company 10 to request payment approval. After receiving the information, the credit card company 10 confirms that the authorization confirmation number sent to the customer and the mobile password registered in advance by the customer match the information of the credit card mobile payment server of the credit card company 10, and then performs the final approval. The payment is sent to the agency 20. In addition, by sending a confirmation to confirm that the final approval is confirmed to the customer 40 to inform that the payment is completed.

FIG. 5 is a flowchart of processing additional registration of family and children's mobile numbers and passwords in addition to their mobile numbers in the mobile payment of credit cards. In recent years, the usage of mobile payments is increasing in the payment type of children, but it is added to the mobile phone bill. As a result, the distinction between communication charges and payment purposes is unclear, and there is a difficulty in managing children's learning and life guidance because the details cannot be managed. Credit card mobile payment can be used as a service to solve this general mobile payment. In addition, it is possible to pay for various web learning sites, so that the allowance to be paid to a child can be paid and managed by credit card mobile service. The process of registering the family and children in the service configuration selects the mobile number addition application (501) and the credit card company confirms identity verification (503). The identity verification is confirmed (504) and the additional user information 506 is registered in the additional user information input (505). The additional user registration is completed by confirming the additional registration 507 from the credit card company and finally confirming the approval confirmation 509 through the registration approval notification 508.

6 is a flowchart in which an additional user 41 processes a payment of a shopping mall, etc. using a credit card mobile payment service, where the additional user 41 purchases goods and services of the shopping mall 30 and uses a credit card mobile as a payment method. After the payment is selected, the credit card company 10 registers the mobile number and the shopping mall 30 and the payment agency 20 transmit the corresponding information to the credit card company 10 together with the purchase information and the mobile number and the credit card company 10 Checks the credit card mobile service subscription based on the information received through the credit card mobile payment server, checks the credit limit of the credit-owned customer 40 and the registration of the additional user 41, and compares the purchase information with the customer's credit information. By transmitting the purchase information to the card owner customer 40, the payment request to the mobile of the additional user 41 is sent along with the purchase confirmation confirmation information. The customer registers the approval confirmation number and the mobile password notified by the credit card company 10 to the shopping mall 30 and the payment agency 20 with their mobile. The authorization confirmation number, mobile number and mobile password received are sent to the credit card company 10 to request payment approval. After receiving the information, the credit card company 10 confirms that the authorization confirmation number sent to the customer and the mobile password registered in advance by the customer match the information of the credit card mobile payment server of the credit card company 10, and then performs the final approval. The payment is sent to the agency 20. In addition, the additional user 41 is sent to confirm that the final approval is confirmed to inform that the payment is completed.

That is, the present invention is not limited to the above-described embodiments, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

As described above, the present invention collects by minimizing customer credit card information and personal information in a non-face-to-face payment environment such as Internet and home shopping in each credit card payment method, and transfers payment by directly sending a confirmation number to the customer. It is possible to confirm the payment from the customer to configure a more stable credit card payment system.

Claims (6)

A first step of registering and authenticating a mobile number to be settled in connection with a credit card through an identity verification process in order to apply for a credit card mobile service to a credit card company held by a customer; Verifying whether a payment request is generated from an arbitrary place of use by the customer, verifying the validity of the credit card mobile payment and the availability of the requested financial transaction, and sending arbitrary information to the customer according to the verification result Step 2; And a third step of confirming the correspondence between any information identified by the user and any information sent to the customer, and notifying the final payment approval of the credit card mobile payment. The method of claim 1, wherein the first step, Registering a mobile number to be settled in connection with a credit card through authentication process to apply for a credit card mobile service to a credit card company owned by a customer, and receiving authentication; Additionally registering the mobile of the customer's family or child; The business processing method is configured to set a limit for each additional registered mobile and register the individual mobile password so that additional users can make financial payments. The method of claim 1, wherein the second step verifies whether a payment request from the customer originates from any place of use, and verifies the validity of the credit card mobile payment and whether the requested financial transaction is possible, and the verification result. Sending any information to the customer according to; A credit card mobile payment credit card terminal business processing method, characterized in that to verify the payment by inputting any information received by the customer in the credit card terminal. The method of claim 3, wherein The credit card terminal is a device for approving a credit card payment by reading magnetic information of an existing credit card, inputting information and payment details stored in a credit card, and verifying payment through arbitrary information received by a customer's mobile. The method of claim 1, wherein the second step verifies whether a payment request from the customer originates from any place of use, and verifies the validity of the credit card mobile payment and whether the requested financial transaction is possible, and the verification result. Sending any information to the customer according to; Credit card mobile payment telephone approval business processing method characterized in that when the request for payment approval through a normal phone to verify the payment by inputting any information received by the customer. In a service system that connects each computer such as an affiliated credit card company and an affiliated shopping mall through a communication network to relay financial business between the affiliated credit card company and an affiliated shopping mall, Check whether the financial transaction request using the credit card mobile payment originates from any place of use, deliver the authorization request to the affiliated credit card company, the credit card company verifies the authorization request information and sends arbitrary information to the customer, Receiving arbitrary information from the customer to request a credit card company approval confirmation, a relay module for transmitting the approval result.