KR20040075206A - Credit card sanction system using wireless terminal and method thereof - Google Patents

Abstract

PURPOSE: A system and a method for settling a credit card using a wireless terminal are provided to prevent various kinds of accidents due to the credit card by performing settlement after confirming a price settlement approval through the wireless terminal of a customer. CONSTITUTION: The wireless terminal(10) is held by the customer. A card checker(20) is installed to a member shop of a credit card company(50) and reads the credit card of the customer. A network(30) and a VAN(Value Added Network) company(40) connect the card checker with a settlement approval server(53) of the credit card company. The credit card company is equipped with a database(51) storing customer data, an ARS(Auto Response System) server(55) transmitting a voice message for confirming the settlement, an SMS(Short Message Service) server(57) transmitting a voice message for confirming the settlement, and the settlement approval server controlling the operation of the ARS server and the SMS server, and deciding the settlement approval. A mobile communication network transmits the message to the wireless terminal and transmits a signal of the wireless terminal to the ARS and the SMS server.

Description

CREDIT CARD SANCTION SYSTEM USING WIRELESS TERMINAL AND METHOD THEREOF}

The present invention relates to a credit card payment system and a method using a wireless terminal, and in particular, by using a credit card customer checks whether the payment is approved through a wireless terminal of the credit card payment, various accidents due to credit card in advance It relates to a credit card payment system and a method using a wireless terminal that can be prevented.

Recently, a lot of plastic magnetic cards and plastic adhesive IC cards (hereinafter, referred to as 'cards') that are easier to use and carry than cash are used as payment methods. There are also various types of cards used as such payment methods, such as credit cards, debit cards, cash cards, department stores cards, and the like. In addition, the card that requires the identification of the individual ID information, such as health insurance card, pass card, such as ID card function, and a variety of additional services such as bonus card, family card to receive a variety of additional services through ID verification.

Credit cards are useful in many forms, such as credit cards, check cards, and consumer cards. These credit cards are becoming practical in all countries of the world, and their numbers are increasing day by day.

On the other hand, as the number of credit cards owned by individuals and the use of credit cards increases, accidents in which a credit card is lost or stolen frequently occur. If someone else used this lost or stolen credit card, the customer often had to pay the other person's payment. In addition, there were many difficulties in determining the responsibility for the payment made by others.

Currently, most credit cards are in the form of magnetic stripe cards, so in the case of loss or theft, they can be easily forged and tampered with, causing more serious damage to credit card customers.

In addition, there was a risk of accidents when lending credit cards to others for payment at merchants.

Therefore, the present invention has been made to solve the above problems, and an object of the present invention is to make a payment after confirming the approval of payment through a wireless terminal of a credit card customer when using a credit card, so that various accidents due to the credit card are not delayed. To provide a credit card payment system and method using a wireless terminal that can be prevented.

Credit card payment method using a wireless terminal according to the present invention for achieving the above object,

(a) a customer requesting a card payment at a credit card merchant;

(b) the affiliate store reading a card company type and card number using a credit card inquiry machine, creating a transaction approval request message including transaction details, and transmitting it to the payment approval server of the credit card company;

(c) determining whether to approve payment on the transaction details received from the affiliated store at the credit card company's payment approval server;

(d) if it is possible to approve the transaction of the customer in the step (c), the credit card company's payment approval server, creating a text message and / or a voice message for confirming the payment and transmitting it to the wireless terminal of the customer;

(e) if it is impossible to approve the transaction of the customer in step (c), transmitting the approval rejection message to the affiliated store by the credit card company's payment approval server;

(f) checking, by the customer, a text message and / or a voice message through the wireless terminal, and determining whether or not to pay the card;

(g) when the credit approval company's payment approval server receives a signal that the credit card payment is approved by the customer in step (f), the payment approval server transmitting the payment approval message to the affiliated store;

(h) if the credit card company's payment approval server receives a signal indicating that the card payment is rejected by the customer in step (f), the payment approval server of the credit card company transmits a payment rejection message to the affiliated store;

(i) issuing or rejecting the card slip to the customer after receiving the payment approval message or the payment rejection message from the payment approval server of the credit card company.

In the steps (b) and (h), the data transmission between the credit card inquiry of the merchant and the payment approval server of the credit card company is characterized in that the transmission through the network and / or VAN company.

The text message transmitted to the wireless terminal of the customer may include transaction details such as a transaction date, a transaction amount, a transaction place, and the like.

The payment approval server, SMS (Short Message Service) server for creating and sending a payment confirmation text message; And it characterized in that it comprises a database that stores a variety of information about the customer.

The payment approval server, characterized in that it further comprises an ARS (Automatic Response System) server for creating and sending a payment confirmation voice message.

In step (f), after the customer confirms the text message and / or voice message through the wireless terminal, inputting a password before determining whether to pay the card; Receiving a password entered by the customer to the payment approval server of the credit card company; Comparing the password received from the customer with a password stored in the database; Allowing the customer to determine whether to pay the card when the passwords match; And when the password does not match, the credit card company's payment approval server further comprises the step of prohibiting the card payment to the credit card query of the merchant.

Credit card payment system using a wireless terminal according to the present invention for achieving the above object,

A wireless terminal possessed by a customer;

A credit card inquiry machine installed at an affiliate store of a credit card company and reading a credit card of the customer;

A network and a VAN company (relay company) for connecting between the credit card inquiry of the affiliated store and the payment approval server of the credit card company;

A database storing the various data of the customer, an automatic response system (ARS) server for creating and transmitting a payment confirmation voice message, a short message service (SMS) server for creating and transmitting a payment confirmation text message, and the relay A credit card company connected to a company and having a payment approval server for controlling the operation of the database, the ARS server, and the SMS server, respectively, and for determining the payment approval of the customer; And

Send and / or transmit voice and / or text messages from the ARS server and SMS server of the credit card company to the wireless terminal of the customer, and send the signals of the customer's wireless terminal to the ARS server and SMS server of the credit card company. And / or a mobile communication network for transmitting.

The network may be any one of a public switched telephone network (PSTN), the Internet, a dedicated line network, and a mobile communication network.

The data stored in the database includes customer information such as name, social security number, address, etc., and credit card information such as credit card number, card expiration date, customer password, total limit, and wireless terminal number of credit card customer. do.

1 is a block diagram showing the configuration of a credit card payment system using a wireless terminal according to the present invention

2 is an explanatory diagram for schematically explaining a credit card payment method using a wireless terminal according to the present invention;

3 is a flowchart illustrating a process of performing a credit card payment method using a wireless terminal according to the present invention.

4 is a flowchart illustrating another process of performing a credit card payment method using a wireless terminal according to the present invention.

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

10: (customer's) wireless terminal 20: (merchant's) credit card inquiry

30: network 40: VAN

50: credit card company 51: database (DB)

53: payment approval server 55: ARS server

57: SMS server 60: mobile communication network

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 credit card payment system using a wireless terminal according to the present invention, Figure 2 is an explanatory diagram for schematically illustrating a credit card payment method using a wireless terminal according to the present invention, 3 is a flowchart illustrating a process of performing a credit card payment method using a wireless terminal according to the present invention, and FIG. 4 is a flowchart illustrating another process of performing a credit card payment method using a wireless terminal according to the present invention.

First, the credit card payment system using a wireless terminal according to the present invention, as shown in Figure 1, the wireless terminal 10, credit card inquiry machine 20, network 30, VAN company 40, credit card company 50 and the mobile communication network 60.

The wireless terminal 10 refers to a mobile phone which is a mobile communication terminal possessed by a customer.

The credit card inquiry machine 20 is installed at an affiliated shop affiliated with a credit card company 50, and is connected to the VAN company 40 through the network 30 to exchange data. In addition, the credit card inquiry 20 includes a computer connected to a card reader (not shown) for checking a card and transmitting the data through a modem.

Here, the affiliated store includes not only a general offline sales store but also an online sales store such as a communication seller or an internet shopping mall.

In addition, the network 30 includes a public switched telephone network (PSTN), the Internet, a dedicated line network, a mobile communication network, and the like.

The VAN company 40 is a relay company for requesting approval from the credit card company according to the card type of the credit card customer, the relay system of the VAN company 40 is dedicated to the payment approval server 53 of the credit card company 50 It is connected by packet network.

On the other hand, such as department stores or large shopping malls may be directly connected to the transaction approval system of the credit card company 50 by a dedicated line, in this case does not require the relay of the VAN company 40.

As is well known, such a VAN company 40 is only a relay between the merchant and the credit card company 50 is not a characteristic configuration of the present invention.

The credit card company 50 is configured to include a database (DB) 51, payment approval server 53, ARS server 55 and SMS server 57.

The database 51 stores various data of credit card customers. At this time, the stored data of the credit card customer, along with customer information such as name, social security number, address, etc., as well as credit card information such as credit card number, card expiration date, customer password, total limit, etc. It is configured to include your mobile number. Here, the wireless terminal number is included to request the customer to confirm payment, as will be described later. The wireless terminal includes not only a mobile phone such as a PCS phone but also a wireless Internet phone.

The payment approval server 53 operates in conjunction with the database 51. The payment approval server 53 is connected with an ARS (Automatic Response System) server 55 for creating and sending a payment confirmation voice message and a SMS (Short Message Service) server 57 for creating and sending a payment confirmation text message. It is.

In addition, the ARS server 55 and the SMS server 57 is connected to the mobile communication network (60). The credit card company 50 calls the wireless terminal 10 of the customer through the mobile communication network 60 to check whether the customer's credit card payment by text message and / or voice message.

Then, the process of paying the credit card using the credit card payment system having the above configuration will be briefly described with reference to FIG. 2 and then described in more detail in the embodiments shown in FIGS. 3 and 4.

Referring to FIG. 2, a customer A gives a credit card (not shown) at a merchant B of a credit card company 50 and requests a card payment (1).

Then, the affiliated store (B) transmits the card information of the customer (A) to the credit card company 50 (2).

Then, the credit card company 50 transmits a payment confirmation text message (SMS) 3 and / or a voice message (not shown) to the wireless terminal 10 of the customer A.

The customer A then sends a payment confirmation 4 to the credit card company 50 using the wireless terminal 10.

Then, the credit card company 50 notifies the affiliated store (B) of the payment approval (5).

Then, the affiliated store (B) checks the payment approval (5) from the credit card company 50 and then issues a card slip (6) to the customer (A).

Therefore, by confirming whether the customer approves the payment before the payment of the credit card, it is possible to prevent unauthorized use of the credit card in advance.

3 is a flowchart illustrating a process of performing a credit card payment method using a wireless terminal according to the present invention.

First, a customer gives a credit card and requests a card payment to pay for goods purchase or service provision at a merchant of a credit card company 50 (step S100). At this time, the merchant uses the credit card inquiry machine 20 to read a credit card by a so-called 'swapping' method.

Then, the credit card inquiry machine 20 reads the card company type and the card number from the data field recorded in the memory of the credit card, creates a transaction approval request message including transaction details, and transmits it to the credit card company 50 (step). S110). At this time, the transmission of the card information is transmitted to the payment approval server 53 of the credit card company 50 through the network 30 and the VAN company 40.

Then, the payment approval server 53 of the credit card company 50 determines whether or not to approve payment for the received transaction details (step S120). At this time, the criterion of the determination is based on the financial information for the customer stored in the database 51.

If it is possible to approve the transaction, the payment approval server 53 transmits data for writing a payment confirmation text message to the SMS server 57, and the SMS server 57 receiving the payment checks the payment data. Compose a text message and transmits the text message to the wireless terminal number of the customer provided from the payment approval server 53 (step S130).

In this case, the text message transmitted includes transaction details such as a transaction date, a transaction amount, a transaction place, and the like.

If, in step S120, the credit card company 50 cannot approve the transaction due to poor credit of the customer, the credit card company 20 of the merchant does not send a text message asking the customer to confirm the payment. The payment is rejected (step S170).

Then, the payment confirmation text message is transmitted to the wireless terminal 10 of the customer through the mobile communication network 60, the customer confirms the text message through the display window of the wireless terminal (10). Then, the customer selects and presses the button of the wireless terminal 10 by the instruction of the text message to determine whether or not to pay the card (step S140). At this time, the signal sent by the customer is received by the SMS server 57 of the credit card company 50.

Then, when receiving a signal from the customer confirming the card payment from the SMS server 57 of the credit card company 50, the payment approval server 53 sends a signal to approve the payment credit card inquiry machine of the merchant It is sent to 20 (step S150). At this time, the payment approval signal sent from the payment approval server 53 of the credit card company 50 is received through the VAN company 40 and the network 30 to the credit card inquiry machine 20 of the merchant.

Then, the affiliated store confirms the payment approval from the credit card company 50 and issues a card slip to the customer (step S160).

In step S140, the credit card company 50 approves the payment to the affiliated store B through the VAN company 40 and the network 30 when a signal for rejecting the card payment is received from the customer A. The rejection is notified (step S170).

Therefore, by confirming whether the customer approves the payment before the payment of the credit card, it is possible to prevent unauthorized use of the credit card in advance.

4 is a flowchart illustrating another process of performing a credit card payment method using a wireless terminal according to the present invention.

First, a customer gives a credit card and requests a card payment to pay for goods purchase or service provision at a merchant of a credit card company 50 (step S200). At this time, the merchant uses the credit card inquiry machine 20 to read a credit card by a so-called 'swapping' method.

Then, the credit card inquiry machine 20 reads the card company type and the card number from the data field recorded in the memory of the credit card, creates a transaction approval request message including transaction details, and transmits it to the credit card company 50 (step). S210). At this time, the transmission of the card information is transmitted to the payment approval server 53 of the credit card company 50 through the network 30 and the VAN company 40.

Then, the payment approval server 53 of the credit card company 50 determines whether or not to approve payment for the received transaction details (step S220). At this time, the criterion of the determination is based on the financial information for the customer stored in the database 51.

If it is possible to approve the transaction, the payment approval server 53 transmits data for writing a payment confirmation text message to the SMS server 57, and the SMS server 57 receiving the payment checks the payment data. A text message is written and transmitted to the wireless terminal number of the customer provided from the payment approval server 53 (step S230).

In this case, the text message transmitted includes transaction details such as a transaction date, a transaction amount, a transaction place, and the like.

In addition, the credit card company 50 transmits the data for preparing the payment confirmation voice announcement message to the ARS server 55, and the received ARS server 55 creates a voice announcement message for confirming the payment is not shown. Save to a voice storage disk. Then, the voice message is transmitted to the wireless terminal number of the customer provided from the payment approval server 53 (step S230).

If, in step S220, the credit card company 50 cannot approve the transaction due to poor credit of the customer, the credit card company 20 of the merchant does not transmit a voice message asking the customer to confirm the payment. The payment is declined (step S290).

Then, the customer confirms the transaction history through a payment confirmation text message (SMS) and / or a voice message (not shown) through the display window (not shown) of his wireless terminal 10. Then, the customer inputs a password by the instruction of the text message (SMS) and / or voice message (step S240).

Then, the credit card company 50 compares the password entered by the customer with the password stored in the database 51 to determine the authenticity (step S250).

In step S250, if the password entered by the customer matches the password stored in the database 51, the payment approval server 53 approves the payment (step S260), and the result is the ARS server 55 And / or notify the customer again via the SMS server 57 and the customer confirms this via the wireless terminal 10 (step S270).

In addition, the payment approval server 53 notifies the merchant approval of payment through the VAN company 40 and the network 30.

Then, the affiliated store confirms the payment approval from the credit card company 50 and then issues a card slip to the customer (step S280).

In step S250, if the password entered by the customer does not match the password stored in the database 51, the credit card company 50 passes through the VAN company 40 and the network 30 to the affiliated store. A notification of rejection of payment is notified (step S290).

Therefore, by confirming whether the customer approves the payment before the payment of the credit card, it is possible to prevent unauthorized use of the credit card in advance.

In addition, preferred embodiments of the present invention are disclosed for the purpose of illustration, those skilled in the art will be able to various modifications, changes, additions, etc. within the spirit and scope of the present invention, these modifications and changes should be seen as belonging to the following claims. something to do.

As described above, according to the credit card payment system and method using the wireless terminal according to the present invention, by using the credit card company to check the approval of the payment through the wireless terminal of the credit card customer when using the credit card, the payment, Various accidents caused by credit cards can be prevented in advance.

In addition, the transaction history or amount of the transaction must be notified by text message and / or voice message through the wireless terminal, and the credit card customer must enter the password and confirm the payment so that the final payment is approved. There is an effect that can be further increased.

Claims (9)

(a) a customer requesting a card payment at a credit card merchant; (b) the affiliate store reading a card company type and card number using a credit card inquiry machine, creating a transaction approval request message including transaction details, and transmitting it to the payment approval server of the credit card company; (c) determining whether to approve payment on the transaction details received from the affiliated store at the credit card company's payment approval server; (d) if it is possible to approve the transaction of the customer in the step (c), the credit card company's payment approval server, creating a text message and / or a voice message for confirming the payment and transmitting it to the wireless terminal of the customer; (e) if it is impossible to approve the transaction of the customer in step (c), transmitting the approval rejection message to the affiliated store by the credit card company's payment approval server; (f) checking, by the customer, a text message and / or a voice message through the wireless terminal, and determining whether or not to pay the card; (g) when the credit approval company's payment approval server receives a signal that the credit card payment is approved by the customer in step (f), the payment approval server transmitting the payment approval message to the affiliated store; (h) if the credit card company's payment approval server receives a signal indicating that the card payment is rejected by the customer in step (f), the payment approval server of the credit card company transmits a payment rejection message to the affiliated store; (i) issuing or refusing to issue a card slip to the customer after receiving a payment approval message or a payment rejection message from the payment approval server of the credit card company. Way. The method of claim 1, In the steps (b) and (h), data transmission between the credit card inquiry of the merchant and the payment approval server of the credit card company is transmitted through a network and / or a VAN company. Payment Method. The method of claim 1, The text message transmitted to the wireless terminal of the customer credit card payment method using a wireless terminal, characterized in that the transaction details, such as transaction date, transaction location, and the like. The method of claim 1, wherein the payment approval server, SMS (Short Message Service) server for creating and sending a payment confirmation text message; And Credit card payment method using a wireless terminal, characterized in that it comprises a database that stores a variety of information about the customer. The method of claim 4, wherein the payment approval server, A credit card payment method using a wireless terminal, characterized in that it further comprises an ARS (Automatic Response System) server for creating and sending a payment confirmation voice message. The method according to claim 1 or 4, In step (f), after the customer confirms the text message and / or voice message through the wireless terminal, inputting a password before determining whether to pay the card; Receiving a password entered by the customer to the payment approval server of the credit card company; Comparing the password received from the customer with a password stored in the database; Allowing the customer to determine whether to pay the card when the passwords match; And If the password does not match, the credit card company's payment approval server further comprises the step of prohibiting the card payment to the credit card query of the affiliated store credit card payment method using a wireless terminal. In the credit card payment system using a wireless terminal, A wireless terminal possessed by a customer; A credit card inquiry machine installed at an affiliate store of a credit card company and reading a credit card of the customer; A network and a VAN company (relay company) for connecting between the credit card inquiry of the affiliated store and the payment approval server of the credit card company; A database storing the various data of the customer, an automatic response system (ARS) server for creating and transmitting a payment confirmation voice message, a short message service (SMS) server for creating and transmitting a payment confirmation text message, and the relay A credit card company connected to a company and having a payment approval server for controlling the operation of the database, the ARS server, and the SMS server, respectively, and for determining the payment approval of the customer; And Send and / or transmit voice and / or text messages from the ARS server and SMS server of the credit card company to the wireless terminal of the customer, and send the signals of the customer's wireless terminal to the ARS server and SMS server of the credit card company. And / or a credit card payment system using a wireless terminal comprising a mobile communication network for transmitting. The method of claim 7, wherein The network is a credit card payment system using a wireless terminal, characterized in that any one of a public switched telephone network (PSTN), the Internet, a dedicated line network, a mobile communication network. The method of claim 7, wherein The data stored in the database includes customer information such as name, social security number, address, etc., and credit card information such as credit card number, card expiration date, customer password, total limit, and wireless terminal number of credit card customer. Credit card payment system using a wireless terminal.