KR20040072855A - Financial Settlement Security System and Method using Multiple Settlement Channel - Google Patents

Abstract

PURPOSE: A system and a method for the security of financial settlement applying multiple settlement channels are provided to fundamentally block the outflow of a user's password by performing the settlement through the multiple settlement channels and confirm settlement particulars again before the settlement. CONSTITUTION: A member shop terminal(200) reads a card. A VAN(Value Added Network) server(300) inquires the settlement to a card company server(400) by receiving the settlement information transmitted from the member shop terminal and transmits a received approval to the member shop terminal. The card company server is equipped with a credit information database storing the credit information and the card information of the customer, and approves the settlement received from the VAN server. A relay transmission server(500) transmits the settlement confirmation information received from a mobile terminal(100) to the card company server if the mobile terminal is registered. The card company server processes a settlement inquiry after comparing the settlement confirmation information with the credit information stored in the credit information database.

Description

Financial Settlement Security System and Method using Multiple Settlement Channel}

The present invention relates to a financial settlement security system and method applying a plurality of payment channels, and more particularly, payment information is transmitted from a merchant terminal device to a card issuing server through a single channel, and payment confirmation information is purchased or a service is provided. The present invention relates to a financial settlement security system and method applying a plurality of payment channels for performing payment using both by transmitting to a card issuer server from a mobile terminal device of a customer through another channel.

In general, the procedure for purchasing goods, using a service, and making a payment using a credit card is as follows.

First, when a card user submits a credit card to a credit card merchant, the credit card merchant reads the credit information from the user's credit card through a credit card inquiry machine, inputs a payment amount, and the like. Ask for payment approval. The method for requesting payment approval is connected to a bansa server through a wired / wireless modem and transmits a payment approval request.

Bansa server receives the payment authorization request from the credit card merchant stores the credit card company through the card information and accesses the credit card company server through a packet communication network such as X.25 to request payment approval.

The credit card company server determines whether to approve payment of the user and the merchant at the request of the Bansa server and notifies the Bansa server of the result. The bansa server forwards the decision of the credit card company server to the credit card checker of the credit card merchant.

The credit card inquiry machine of the credit card merchant outputs the credit card sales slip according to the payment approval result, and receives the handwritten signature of the credit card user, the credit card settlement process between the user and the card merchant is completed.

This payment process is omitted by the input of the password of the credit card by the customer, which is operated for convenience of payment.

However, due to the loss or duplication of credit cards, illegal use by others has increased, and the input of passwords has increased at the time of payment of credit cards.

To make a payment from a merchant, the customer can verbally inform the merchant of the credit card's password or use a PIN input pad. However, in either case, there is a problem that the risk of leaking a password is large.

In order to solve this problem, after connecting the credit card checker and the mobile terminal with a physical device, the credit card checker receives the card information of the mobile terminal and processes the card business or the payment process using the communication function of the mobile terminal. This patent application is disclosed in Japanese Patent Application Nos. 1999-0047386 and 2000-0066788, respectively.

However, these methods also have the potential to leak passwords in terms of providing the customer's password to the merchant.

In addition, there is a disadvantage that the user of the portable terminal must bear all the communication costs, there is a limitation that the physical connection method between the portable terminal and the card terminal should be unified.

Accordingly, an object of the present invention is to provide a financial settlement security system and method that can prevent the leakage of the customer's password at the source by performing the payment using a plurality of payment channels.

Another object of the present invention is to provide a financial settlement security system and method that can check the payment history before the payment is made.

Other objects and features of the present invention will be more clearly understood through the embodiments described below.

1 is a block diagram showing the configuration of a payment system according to an embodiment of the present invention.

2 is a flowchart illustrating a form in which payment is made through a payment system according to an embodiment of the present invention.

3 is a flowchart illustrating a payment method according to an embodiment of the present invention.

4 is a flowchart illustrating a form in which payment is made through a payment system according to another embodiment of the present invention.

5 is a flowchart illustrating a payment method according to another embodiment of the present invention.

6 shows a screen of a mobile terminal of a customer in which payment information is displayed.

According to one aspect of the invention, the merchant terminal device having a card reading function; A van company server receiving payment information transmitted from an affiliated store terminal device, inquiring a payment from the card issuer server, receiving a payment approval, and transmitting a transaction approval to the affiliated terminal device; A card issuer server having a credit information database storing customer credit information and card information and receiving a payment inquiry from a bansa server to approve payment; And a relay transmission server for receiving the payment confirmation information of the customer through the mobile terminal device to check whether the registered mobile terminal device is a registered mobile terminal device, and transmitting the received payment confirmation information to the card issuer server. The issuer server waits for the payment inquiry received from the payment bansa server, and compares the payment confirmation information sent from the customer through the relay transmission server with the credit information stored in the credit information database to process the pending payment inquiry. A financial settlement security system having a channel is disclosed.

According to another aspect of the invention, the merchant terminal device having a card reading function; A van company server receiving payment information transmitted from an affiliated store terminal device, inquiring a payment from the card issuer server, receiving a payment approval, and transmitting a transaction approval to the affiliated terminal device; A card issuer server having a credit information database storing customer credit information and card information and receiving a payment inquiry from a bansa server to approve payment; And a relay transmission server for receiving the payment confirmation information of the customer through the mobile terminal device to check whether the registered mobile terminal device is a registered mobile terminal device, and transmitting the received payment confirmation information to the card issuer server. The issuer server waits for the payment inquiry received from the payment bansa server and compares the payment confirmation information sent from the customer with the credit information stored in the credit information database based on the payment information provided to the customer through the relay transmission server. Disclosed is a financial settlement security system having a plurality of payment channels for processing a payment inquiry.

According to another aspect of the invention, the step of reading the card information for payment from the merchant terminal device, inputting the payment amount to transmit the payment information to the Bansa server; Transmitting the payment information to the card issuer server for payment approval from the bansa server to perform a payment inquiry; Waiting for a payment inquiry received from the card issuer server; Transmitting payment confirmation information input by a customer to make a payment to a card issuer server through a mobile terminal device; Checking whether the payment confirmation information received from the card issuer server matches the payment confirmation information stored in the credit information database; Transmitting a payment approval for the pending payment inquiry if it matches; And receiving a transaction approval from the Bansa server based on the payment approval, and issuing a payment slip from the merchant terminal device and providing the customer with a payment slip.

According to another aspect of the invention, the step of reading the card information for payment from the merchant terminal device, inputting the payment amount to transmit the payment information to the Bansa server; Transmitting the payment information to the card issuer server for payment approval from the bansa server to perform a payment inquiry; Waiting for a payment inquiry received from the card issuer server; Transmitting the payment information received from the card issuer server to the mobile terminal of the customer; Transmitting the payment confirmation information from the mobile terminal of the customer to the card issuer server; Checking whether the payment confirmation information received from the card issuer server matches the payment confirmation information stored in the credit information database; Transmitting a payment approval for the pending payment inquiry if it matches; And receiving a transaction approval from the Bansa server based on the payment approval, and issuing a payment slip from the merchant terminal device and providing the customer with a payment slip.

Preferably, the payment confirmation information may include a password or may include a password and a card number.

In addition, the payment confirmation information is encoded and stored in the mobile terminal device, it can be decoded by the card issuer server.

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

1 is a block diagram showing the configuration of a payment system according to an embodiment of the present invention. For convenience of explanation, a case of making a payment using a customer's credit card offline, such as a credit card merchant, but the characteristics of the present invention is an online payment, such as Internet commerce, cash withdrawal through a cash dispenser or payment in an enterprise And the like may be appropriately applied.

The merchant terminal device 200 reads card information, for example, a type of card, a card number and an expiration date, etc. from a credit card provided from a customer, and the merchant directly inputs a payment amount.

The payment information including the card information read in this way and the input payment amount is transmitted to, for example, a server (300) of a value added network (VAN) company through a wired or wireless modem.

Bansa server 300 checks the type of card from the card information in the payment information transmitted from the merchant terminal device 200 to classify the card issuer and connected to the card issuer server 400 through a packet communication network such as X.25. To approve payment.

The card issuer server 400 includes a credit information database 450 including credit information consisting of member information of registered members and card numbers and passwords of issued cards. The process will approve or reject the payment.

The payment system according to the present invention includes a plurality of payment channels, and the first payment channel is connected to the affiliated store terminal device 200-bansa server 300-card issuer server 400, and the second channel is described below. As described in the following description, the mobile terminal 100 of the customer-the relay transmission server 500-the card issuer server 400 is connected.

In order to use the second channel, the customer subscribes to the relay transmission server 500 as a member. In the case of joining as a member, member information including a phone number of the mobile terminal device 100 may be input and the member information may be provided as a separate member information database in the relay transmission server 500.

The relay transmission server 500 may set a type of a payment service method through an agreement with the card issuer server 400 to allow a member who subscribes to select it to suit them. For example, the payment method according to the present invention may be applied only to payments of 50,000 won or more, or only if payment confirmation information is transmitted within 3 minutes for a request for approval of payment through a merchant terminal device. Conditions can be set. In addition, the customer may notify the card issuer server 400 at any time that the payment method according to the present invention is used or not used.

Payment information is transmitted to the card issuer server 400 through the first channel, and payment confirmation information is transmitted through the second channel. As described above, the payment information includes the read card information and the input payment amount, and the payment confirmation information includes a password and a card number.

As the mobile terminal 100 of the customer, a mobile phone such as a cellular phone or a PCS phone or a PDA (Personal Digital Assistant) having a communication module may be used. In the mobile terminal device 100 of the customer, payment confirmation information is stored corresponding to the type of credit card possessed by the customer. For example, payment confirmation information of each credit card stored for convenience of input is selected by a speed dial. Can be.

For example, "* 1" may be directly set by the customer to correspond to the payment confirmation information stored in the order of the card number and the password, such as "4511-2312-XXXX-OOOO, 6158". In this way, the customer can set payment confirmation information in advance for each type of credit card possessed by the customer.

Preferably, the payment confirmation information set by the customer is encoded and stored in the mobile terminal device 100 so that the card information does not leak despite the loss of the mobile terminal device 100.

In addition, in order to minimize the input by the customer and maintain the maximum security, it is possible to limit the payment confirmation information entered by the customer with a password. This will be described later.

2 is a flowchart illustrating a form in which payment is made through a payment system according to an embodiment of the present invention, and FIG. 3 is a flowchart illustrating a payment method according to an embodiment of the present invention.

When the customer purchases the goods or receives the service and presents the credit card to the merchant to pay for the merchant, the merchant reads the card information through the merchant terminal device 200 with the presented card (step S10), and pays. The amount of money is directly input (step S20). At this time, even if the PIN information by the customer, for example, a password must be entered, do not enter the password.

The merchant terminal device 200 transmits the payment information including the read card information and the payment amount to the bansa server 300 through the connected wired / wireless modem (step S30), and the bansa server 300 transmits the received payment information to the card. Send to the issuer server 400 to query the payment (step S40).

The steps up to here are similar to the normal credit card payment process, except that no password is entered.

According to one embodiment of the present invention, the card issuer server 400 waits until payment confirmation information by the customer is transmitted without immediately processing the event that is checked by the bansa server 300.

On the other hand, the customer presenting the credit card accesses the wireless website provided by the relay transmission server 500 by using the mobile terminal device 100 owned by him, and selects the relevant menu from the menu displayed on the website. To enter the payment confirmation information (step S50).

Preferably, the customer may select payment confirmation information previously stored in his mobile terminal 100, for example, a password or a type of payment card, without directly inputting the payment confirmation information. That is, as described above, the payment confirmation information is stored matched with the key value of the mobile terminal 100, the customer selects and enters the stored payment confirmation information. In this case, as described above, the payment confirmation information may be encoded and stored at the time of storage.

The mobile terminal 100 transmits the payment confirmation information selected by the customer to the relay transmission server 500 through the wireless relay station 150 of the mobile communication company (step S60).

At this time, preferably, the relay transmission server 500 compares the phone number of the mobile terminal device of the member stored in its member information database with the phone number of the mobile terminal device 100 that transmits the payment confirmation information. It can be confirmed (step S70).

In the case of a registered member, the received payment confirmation information is transmitted to the card issuer server 400.

The card issuer server 400 receives the customer's payment confirmation information from the relay transmission server 500 and extracts the target payment information from the payment information awaiting payment inquiry based on the card number of the payment confirmation information, and the credit information database. Credit information, such as a card number and a password, is extracted from 450 to confirm whether it matches with the payment confirmation information (step S90).

If the extracted credit information and payment confirmation information is matched, the payment approval for the target payment information is transmitted to the bansa server 300 (step S100), and the bansa server 300 again deals with the merchant terminal device 200. The acknowledgment is sent (step S110).

The merchant terminal device 200 issues a sales slip according to the transaction approval and receives a signature from the customer to complete the payment (step S120).

Therefore, even if a credit card is lost, payment can not be made without payment confirmation information, thereby ensuring safety.

In addition, since no secret information for confirming payment from the customer is provided to the merchant, payment can be securely confirmed.

In addition, since payment confirmation information including a card number and a password is encoded and stored in the mobile terminal device, even if the mobile terminal device is lost, the payment confirmation information is less likely to leak. Moreover, there is little possibility that the credit card and the mobile terminal are lost at the same time, so it is advantageous.

The payment confirmation information stored in the mobile terminal device can be stored by matching with the shortcut key for convenience in input.

4 is a flowchart illustrating a form in which payment is made through a payment system according to another embodiment of the present invention, and FIG. 5 is a flowchart illustrating a payment method according to another embodiment of the present invention.

When the customer purchases the goods or receives the service and presents the credit card to the merchant to pay for the merchant, the merchant reads the card information through the merchant terminal device 200 with the presented card (step S210) and pays. The amount of money is directly input (step S220). At this time, even if the PIN information by the customer, for example, a password must be entered, do not enter the password.

The merchant terminal device 200 transmits the payment information including the read card information and the payment amount to the bansa server 300 through the connected wired / wireless modem (step S230), and the bansa server 300 transmits the received payment information to the card. Send to the issuer server 400 to query the payment (step S240).

The steps up to now are the same as in the above embodiment.

According to another exemplary embodiment of the present invention, the card issuer server 400 waits for the event checked by the bansa server 300 without immediately processing and extracts the card number from the received payment information and the credit information database 450. ) Extracts the corresponding card number and matching member information. The member information may be a customer ID, a phone number of the mobile terminal device, and the extracted member information may vary depending on the member information included in the member information database of the relay transmission server 500, but the phone number of the mobile terminal device may be used. An example will be described.

Subsequently, the phone number and payment information of the extracted mobile terminal device are transmitted to the relay transmission server 500 (step S250).

The relay transmission server 500 refers to the received mobile phone number of the mobile terminal device through the wireless relay station 150 of the mobile communication company, for example, in the form of a Short Message Service (SMS) mobile terminal device of the customer. The payment information is sent to step 100 (step S260).

Referring to FIG. 6, payment information is displayed on a mobile terminal of a customer and waits for input of a payment confirmation password by the customer.

The customer checks the payment information, enters the password and presses the confirmation button to transmit the payment confirmation information to the relay transmission server 500 (step S270). Preferably, payment confirmation information such as an input password may be transmitted through an appropriate encoding procedure.

Optionally, the relay transmission server 500 checks whether the received phone number of the mobile terminal device is a registered phone number, and transmits the received payment confirmation information and phone number to the card issuer server 400 when the registered phone number is a registered phone number. do.

The card issuer server 400 extracts the target payment information from the received payment confirmation information and the phone number from the payment information awaiting payment inquiry, and extracts credit information such as a card number and password from the credit information database 450. Check whether the payment confirmation information is received.

If the extracted credit information and the payment confirmation information is the same, the payment approval for the target payment information is transmitted to the bansa server 300 (step S280), the bansa server 300 again transactions to the merchant terminal device 200 The acknowledgment is sent (step S290).

The merchant terminal device 200 issues a sales slip according to the transaction approval, receives a signature from the customer, and completes payment (step S300).

According to this embodiment, since the payment information is pushed from the card issuer server to the customer while the security is secured as in the above-described embodiment, the customer can check the payment information once again, and as the payment confirmation information. Since only a password needs to be entered, user convenience is increased.

In addition, since payment confirmation information does not need to be stored separately in the mobile terminal, payment confirmation information does not have to be leaked even when lost.

In the above description, but with reference to the preferred embodiment of the present invention, various changes or modifications are possible at the level of those skilled in the art.

Although the above embodiment has described payment by credit card offline like a credit card merchant, it also applies to payment on-line such as Internet commerce. That is, payment is made without inputting a password in the payment window, and payment is completed through a separate payment confirmation procedure by the mobile terminal.

In addition, even when withdrawing cash from the cash dispenser (Cash Dispenser) payment is made without input of the password, the payment is completed through the mobile terminal device to complete the payment can be withdrawn cash. This can fundamentally prevent the theft of passwords by others.

Expanding these payment methods, even if a company makes a large amount of money through banking, it is possible for the lower employee to perform basic remittance and settlement procedures, and to make the final settlement confirmation by the creditor, thus preventing financial accidents resulting from the moral hazard of the lower employee. To prevent it.

It is also possible to omit the relay transmission server by integrating the card issuer server with the functions of the relay transmission server.

Such changes or modifications are naturally within the scope of the present invention without departing from the spirit of the invention. Therefore, the scope of the present invention should not be limited to the above-described embodiments, but should be determined by the claims described below.

As described above, according to an embodiment of the present invention, even if a credit card is lost or illegally copied, there is an advantage that security can be secured because payment is not made without payment confirmation information.

In addition, since no secret information for confirming payment from the customer is provided to the merchant, payment can be securely confirmed.

In addition, the payment confirmation information including the card number and password is encoded and stored in the mobile terminal device so that the payment confirmation information is less likely to leak even if the mobile terminal device is lost, and the possibility that the credit card and the mobile terminal device are lost at the same time. It is safe because it is small.

In addition, according to another embodiment, since the payment information is pushed from the card issuer server to the customer while ensuring safety, the customer can check the payment information once again, and the user convenience is increased because only the password is entered as the payment confirmation information. There is an advantage.

In addition, since payment confirmation information does not need to be stored separately in the mobile terminal, payment confirmation information does not have to be leaked even when lost.

In addition, the final approval is directly performed by the customer who is the billing authority to enhance security and have a side effect of suppressing the indiscriminate use of the credit card.

The financial settlement security system of the present invention can be immediately applied without adding an extra huge cost to the existing infrastructure, and even after the introduction of a security reinforcement system such as the introduction of the IC card, there is a redundancy security system.

Claims (10)

A merchant terminal device having a card reading function; A van company server receiving payment information transmitted from the affiliated store terminal device, inquiring a payment to a card issuer server, receiving a payment approval, and transmitting a transaction approval to the affiliated store terminal device; A card issuing server having a credit information database storing credit information and card information of a customer, and receiving a payment inquiry from the bansa server to approve payment; And Receiving the payment confirmation information of the customer through the mobile terminal device to check whether the registered mobile terminal device, and if the registered mobile terminal device includes a relay transmission server for transmitting the received payment confirmation information to the card issuer server, The card issuing server waits for a payment inquiry received from the payment bansa server and compares the payment confirmation information transmitted from the customer through the relay transmission server with the credit information stored in the credit information database. Financial settlement security system having a plurality of payment channels, characterized in that for processing the inquiry. The financial settlement security system of claim 1, wherein the payment confirmation information includes a card number and a password. The financial settlement security system having a plurality of payment channels according to claim 1 or 2, wherein the payment confirmation information is encoded and stored in the mobile terminal and decrypted by the card issuer server. A merchant terminal device having a card reading function; A van company server receiving payment information transmitted from the affiliated store terminal device, inquiring a payment to a card issuer server, receiving a payment approval, and transmitting a transaction approval to the affiliated store terminal device; A card issuing server having a credit information database storing credit information and card information of a customer, and receiving a payment inquiry from the bansa server to approve payment; And Receiving the payment confirmation information of the customer through the mobile terminal device to check whether the registered mobile terminal device, and if the registered mobile terminal device includes a relay transmission server for transmitting the received payment confirmation information to the card issuer server, The card issuer server waits for a payment inquiry received from the payment bansa server, and stores the payment confirmation information transmitted from the customer in the credit information database based on the payment information provided to the customer through the relay transmission server. The financial settlement security system having a plurality of payment channels, characterized in that for processing the queued payment inquiry by comparing with the information. Reading card information for payment from the merchant terminal device, inputting a payment amount, and transmitting the payment information to the Bansa server; Transmitting payment information to the card issuer server for payment approval from the bansa server to make a payment inquiry; Waiting for a payment inquiry received from the card issuer server; Transmitting the payment confirmation information input by the customer to pay through the mobile terminal device to the card issuer server; Checking whether the payment confirmation information received from the card issuer server matches the payment confirmation information stored in the credit information database; Transmitting a payment approval for the queued payment inquiry if it matches; And And receiving a transaction approval from the bansa server based on the payment approval, issuing a payment slip from the affiliated terminal device and providing the payment slip to the customer. 6. The method of claim 5, wherein the payment confirmation information includes a card number and a password. Reading card information for payment from the merchant terminal device, inputting a payment amount, and transmitting the payment information to the Bansa server; Transmitting payment information to the card issuer server for payment approval from the bansa server to make a payment inquiry; Waiting for a payment inquiry received from the card issuer server; Transmitting the received payment information from the card issuer server to a mobile terminal of a customer; Transmitting payment confirmation information from the mobile terminal of the customer to the card issuer server; Checking whether the payment confirmation information received from the card issuer server matches the payment confirmation information stored in the credit information database; Transmitting a payment approval for the queued payment inquiry if it matches; And And receiving a transaction approval from the bansa server based on the payment approval, issuing a payment slip from the affiliated terminal device and providing the payment slip to the customer. 8. The financial settlement security method of claim 7, wherein the payment confirmation information includes a password. The method of claim 5 or 7, wherein the payment confirmation information is encoded and stored in the mobile terminal device and decrypted by the card issuer server. Requesting authorization by transmitting payment information not including a password from the affiliated store terminal device to the card issuer server through a bansa server; Waiting for the payment approval request and transmitting the payment information from the card issuer server to a mobile terminal of a customer in progress of payment; Inputting the password from the mobile terminal of the customer and transmitting the password to the card issuer server; And Checking whether the password received from the card issuer server matches a password stored in a credit information database; If it matches, the payment settlement approval request for the pending payment authorization method comprising the step of transmitting to the merchant terminal device, characterized in that the financial settlement security method using a plurality of payment channels.