KR20050055460A - Method for credit card payment service using mobile communication terminal - Google Patents

Abstract

The present invention relates to a card payment service providing method using a mobile communication terminal and a computer-readable recording medium recording a program for realizing the method. The method for providing a card payment service using a mobile communication terminal for registering a merchant information and information of a mobile communication terminal of the affiliated store in advance and providing a card payment service in association with the mobile communication terminal is the mobile communication. A first step of receiving a payment request from a terminal; Requesting and receiving payment information including a phone number of a user terminal from the mobile communication terminal; A third step of requesting confirmation of corresponding payment information to the user terminal; And a fourth step of requesting approval of the payment.

Description

Method for providing card payment service using mobile communication terminal {Method for Credit Card Payment Service using Mobile Communication Terminal}

The present invention relates to a method for providing a card payment service using a mobile communication terminal and a computer-readable recording medium recording a program for realizing the method. Particularly, the present invention relates to a mobile communication interworking with an approval request system when a user requests a card payment. A card payment service providing method using a mobile communication terminal for performing a card payment using a terminal, and a computer-readable recording medium recording a program for realizing the method.

In general, the user's card payment has been performed using a dedicated wired terminal (for example, credit card reader, etc.). However, the above method is possible in the case of face-to-face transactions at the affiliated store equipped with the corresponding wired terminal, but cannot be used in the case of non-face-to-face transactions at the affiliated store (for example, a card transaction when the food is delivered). There is this.

As a method for solving such a problem, a method of requesting approval by telephone to a card company using a landline telephone, a method commonly used in transactions such as door-to-door sales, and using a handwritten sales table in which the user's card information is input. The key is that the merchant employee receives the approval by using the card company's Automatic Response Service (ARS), etc., and receives the card information from the customer, and manually enters the card information in the credit card reader to receive the approval. Key-in) for approval.

However, a method of requesting authorization by a card company by using a landline telephone has a problem in that card approval for an unspecified number is possible if the merchant information and the user's card information are known, and the merchant directly calls the counselor of the card company. There is a problem that a large amount of time should be spent in the approval process using.

In addition, since the user pays without checking the contents of his / her payment, it is impossible to know whether the payment process proceeds correctly, and the user may indirectly expose the user's card information. There is a problem that acts as a factor.

On the other hand, the approval method using the handwritten sales table and the approval method by the key-in, it is impossible to confirm whether the real-time approval, there is a problem that the card information of the user is exposed to the merchant staff unprotected.

In order to solve the above problems, card payment using a dedicated wireless terminal has been performed. The above method is a card payment method in a secure mobile communication environment, and the user can confirm that the card payment is approved at the place where the user exists, thereby reducing the risk of fraudulent use of the credit card.

However, the above-described method has a problem in that some cost is consumed in purchasing a dedicated terminal.

The present invention has been proposed to solve the above problems, by requesting payment using a mobile communication terminal registered in advance, if the user is approved by the payment is performed, thereby ensuring the safety of card payment An object of the present invention is to provide a card payment service providing method using a mobile communication terminal.

In addition, the present invention is a computer that records a program for realizing the function to ensure the security of the card payment by requesting a payment using a mobile communication terminal registered in advance, and the payment is performed when the user approves it Another purpose is to provide a readable recording medium.

The present invention for achieving the above object, in advance to register the merchant information and the information of the mobile communication terminal of the merchant, in order to provide a card payment service in conjunction with the mobile communication terminal, card payment service using a mobile communication terminal A providing method comprising: a first step of receiving a payment request from the mobile communication terminal; Requesting and receiving payment information including a phone number of a user terminal from the mobile communication terminal; A third step of requesting confirmation of corresponding payment information to the user terminal; And it provides a card payment service providing method using a mobile communication terminal comprising a fourth step of requesting approval for the payment.

In addition, the present invention is to provide a card payment service providing method using a mobile communication terminal for providing a card payment service in conjunction with the mobile communication terminal in advance by registering the merchant information and the information of the mobile communication terminal of the merchant in advance. A device having a microprocessor for the purpose of: a first function for receiving a payment request from the mobile communication terminal; A second function of requesting and receiving payment information including a telephone number of a user terminal from the mobile communication terminal; A third function of requesting confirmation of corresponding payment information to the user terminal; And a computer readable recording medium having recorded thereon a program for realizing a fourth function for requesting approval of the payment.

Card payment service using a mobile communication terminal according to the present invention, it is possible for the card merchant to perform the card payment safely even in the environment that can not use the wired terminal, the user can approve the existing phone and handwritten sales slip It is possible to make payments safer and faster than transactions by.

In addition, it is not necessary to leak the user's card information to the merchant staff, it is possible to solve the anxiety in the user's card accident by supporting the user to check the full payment history and payment before the card approval request.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same components have the same number as much as possible even if displayed on different drawings. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a structural diagram of an embodiment of a card payment service providing system using a mobile communication terminal to which the present invention is applied.

As shown in the figure, the system to which the present invention is applied, the management unit 110, the payment information confirmation unit 120, the payment request unit 130 and the merchant's mobile communication terminal for the final confirmation of the user's payment history ( 140).

First, in the detailed description of the present invention, the term "card" refers to a means by which a payment can be made after a period of time or immediately after purchasing an item or using a service, and a credit card, a department store card, a debit card or a prepaid payment. Cards and the like.

The management unit 110 is responsible for receiving and storing and managing affiliate store information from the affiliate store, and storing and managing information of the mobile communication terminal 140 to be used at the affiliate store. In addition, the management unit 110 is linked with the payment request unit 130, the card approval unit (not shown) (for example, Value Added Network (hereinafter, simply referred to as 'VAN'), payment It is responsible for storing the approval result which is the processing result of the Gateway (Payment Gateway, etc.).

That is, the management unit 110 is responsible for managing the affiliate store information, managing information of the mobile communication terminal 140 designated by the affiliate store, and managing the approval result requested by the affiliate store.

The mobile communication terminal 140 is connected to the management unit 110 and a wireless network (for example, a wireless application protocol (hereinafter, simply referred to as "WAP"), Java (JAVA) wireless Internet, virtual By using a virtual machine-based wireless Internet, etc., it is possible to interwork with the management unit 110, a cellular phone, a personal communication service (PSC), a personal portable information terminal (Personal) Digital Assistant; PDA).

At this time, the mobile communication terminal 140 must register the information of the mobile communication terminal 140 in the management unit 110 in the affiliated store.

The mobile communication terminal 140 may interwork with the management unit 110 and the payment information checking unit 120 on a text basis, and also stores a program in the memory and uses the management unit ( 110 may also be linked. In this case, the user may use a wireless network interworking provided by the mobile communication terminal 140 itself without requiring an additional device or equipment for the mobile communication terminal 140.

The payment information confirming unit 120 uses the payment information received from the mobile communication terminal 140 and the user information held by the management unit 110 to request the user for final confirmation of payment details. In charge of the function. In addition, the user may be able to directly enter his or her card information in the confirmation step.

In this case, the final confirmation can be requested to the user's mobile communication terminal (not shown) using a wireless network, the user using a public switched telephone network (hereinafter, simply referred to as 'PSTN') You can also request by landline phone (not shown). In addition, it will be possible to perform the final confirmation in such a way that mutual communication with the user is possible.

2 is a flowchart illustrating an embodiment of pre-registration of the mobile communication terminal for providing a card payment service using the mobile communication terminal according to the present invention.

As shown in the figure, the pre-registration of the affiliated store according to the present invention, when the affiliated store is a new registration without the information of the affiliated store in the management unit (110) (S201), and transmits the information of the affiliated store, the management unit 110 may receive and store it (S202). In this case, the affiliated store information may include a company name, a telephone number and a card company affiliated store registration number.

Thereafter, the affiliated store transmits the information of the mobile communication terminal 140 to be used for card payment, and the management unit 110 may receive and store it (S203). In this case, the information of the mobile communication terminal may include a telephone number.

S201 to S203 shown in FIG. 2 may be performed in association with the management unit 110 through a wireless network using the mobile communication terminal, and a wired terminal (not shown) (for example, a personal computer). It may be performed in conjunction with the management unit 110 through a wired network (for example, the Internet) using,

In addition, it may be performed in conjunction with the management unit 110 through the PSTN using a wired telephone. In this case, the management unit 110 may receive and store the same through an automatic response service (hereinafter, simply referred to as 'ARS').

3 is a flowchart illustrating a method for providing a card payment service using a mobile communication terminal according to the present invention.

As shown in the figure, the service providing method of the present invention, when the merchant employee to face the user to perform the payment, first receives a payment request from the mobile communication terminal 140 carried by the merchant employee (S301) .

When the management unit 110 receives a payment request from the mobile communication terminal 140, the manager 110 checks whether the affiliated store and the registration of the mobile communication terminal 140 belong to each other, and determines whether the corresponding mobile communication terminal 140 is a valid terminal. It is determined whether or not (S302).

As a result of the determination in S302, if valid, the management unit 110 may request and receive payment information for the corresponding payment (S303). The payment information may include an amount to be paid by the user and a phone number of the user. In this case, the telephone number of the user may be a telephone number of a wired terminal or a wireless terminal, which may be used later when the user requests final confirmation of payment and purchase information.

On the other hand, the user may include and transmit his card information in the payment information. The card information includes a card number, an expiration date of the corresponding card, and an installment month. In addition, the user's card information may be directly input by the user in the final confirmation step of the user.

That is, the management unit 110 transmits the corresponding payment information to the payment information confirmation unit 120, and when the payment information includes the user's card information (S304), the payment information confirmation unit 120 The user may request confirmation of payment information from the wired / wireless terminal (S306).

However, when the payment information does not include the card information (S304), the payment information verification unit 120 may request the card information and at the same time request the confirmation of the payment information to the wired / wireless terminal ( S305).

That is, in the present invention, in order to solve the anxiety about the user's card information transmission, the user's card information reception can be largely performed in two ways.

First, the user directly enters the card information into the mobile terminal 140, the management unit 110 may receive it, and second, the payment information confirmation unit 120 to the user when the card request confirmation of the payment information Information can be requested and received at the same time as confirmation from the user's wired / wireless terminal.

Thereafter, it is determined whether confirmation that payment information is correct is received from the wired / wireless terminal of the user (S307).

At this time, S305 to S307 is a short message service (hereinafter, simply referred to as a 'SMS') scheme or a wireless network to input information when the terminal for the user's confirmation is a wireless terminal (WAP Push) may be a method, in the case of a wired terminal may be an ARS method.

Thereafter, when the payment information management unit 120 receives confirmation that the payment information is correct from the user, the payment information management unit 120 transmits the payment information to the management unit 110, and the management unit 110 finally checks the payment information and the purchase history, and then transmits the information. Transfer to the payment request unit 130. The payment request unit 130 requests the approval of the corresponding purchase history to the card approval unit and receives a processing result (S308) and transmits it to the management unit 110.

Finally, the management unit 110 may transmit a processing result to the mobile communication terminal 140 (S309).

The payment information confirming unit 120 may transmit the processing result to the wired / wireless terminal of the user. In this case, in case of a wireless terminal, an SMS or WAP push method may be used, and in the case of a wired terminal, an ARS method may be used.

The method of the present invention as described above may be implemented as a program and stored in a computer-readable recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.).

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes are possible in the art without departing from the technical spirit of the present invention. It will be clear to those of ordinary knowledge.

The present invention as described above, by making a card payment using a mobile communication terminal, there is an effect that can be securely performed card payment even in an environment that can not use a dedicated wired terminal.

In addition, the present invention has an effect of reducing the risk of fraudulent use of the card by requesting the approval after confirmation of the user at the time of card payment.

In addition, the present invention is effective to solve the user's anxiety about the use of the card by allowing the user to fully check the payment information before the card approval request without leaking the user's card information to the merchant staff. .

1 is a structural diagram of an embodiment of a card payment service providing system using a mobile communication terminal to which the present invention is applied;

2 is a flowchart illustrating an example of pre-registration of the mobile communication terminal for providing a card payment service using the mobile communication terminal according to the present invention;

3 is a flowchart illustrating a method for providing a card payment service using a mobile communication terminal according to the present invention.

* Explanation of symbols for the main parts of the drawings

110: management unit 120: payment information confirmation unit

130: payment request unit 140: mobile communication terminal

Claims (8)

In the card payment service providing method using a mobile communication terminal for registering the merchant information and the information of the mobile communication terminal of the merchant in advance to provide a card payment service in conjunction with the mobile communication terminal, A first step of receiving a payment request from the mobile communication terminal; Requesting and receiving payment information including a phone number of a user terminal from the mobile communication terminal; A third step of requesting confirmation of corresponding payment information to the user terminal; And Step 4 requesting authorization for this payment Card payment service providing method using a mobile communication terminal comprising a. The method of claim 1, A fifth step of determining whether the mobile communication terminal and the affiliated party that has sent a payment request are valid mobile communication terminals and affiliated stores registered in advance; Card payment service providing method using a mobile communication terminal further comprising. The method of claim 1, A fifth step of receiving a result of the approval request and transmitting the result to the mobile communication terminal; Card payment service providing method using a mobile communication terminal further comprising. The method of claim 1, A fifth step of receiving a result of the approval request and transmitting the result to the user terminal; Card payment service providing method using a mobile communication terminal further comprising. The method of claim 1, When the card information is not included in the payment information received in the second step, the third step is Requesting the user terminal to confirm the payment information and requesting card information of the corresponding card; Card payment service providing method using a mobile communication terminal, characterized in that. The method according to any one of claims 1, 4 or 5, If the user terminal is a wired terminal, Requesting verification of payment information using an automated response service (ARS) method Card payment service providing method using a mobile communication terminal, characterized in that.  The method according to any one of claims 1, 4 or 5, If the user terminal is a wireless terminal, Request for confirmation of payment information using either short message service (SMS) method or wireless application protocol (WAP) push method Card payment service providing method using a mobile communication terminal, characterized in that. In order to provide a card payment service providing method using a mobile communication terminal for providing a card payment service in conjunction with the mobile communication terminal in advance by registering the merchant information and the information of the mobile communication terminal of the merchant in advance with a microprocessor. In one device, A first function of receiving a payment request from the mobile communication terminal; A second function of requesting and receiving payment information including a telephone number of a user terminal from the mobile communication terminal; A third function of requesting confirmation of corresponding payment information to the user terminal; And 4th feature requesting approval for this payment A computer-readable recording medium having recorded thereon a program for realizing this.