KR20070002191A - Substitute meeting settlement system and the method which use the subordinate card - Google Patents

Abstract

A system and a method for substitute settlement using a subordinate credit card are provided to enable a minor to use the subordinate credit card having the same credit card number as the parent's by receiving authentication of the parent after an SMS(Short Message Service) or callback URL(Uniform Resource Locator) message is sent to a mobile terminal of the parent. The subordinate credit card is issued to the minor in addition to the credit card of the parent by using the same credit card number as the parent's credit card and gets to be available only when the authentication is received from the parent. A credit card checker(100) reads information of the subordinate credit card. A personal terminal(200) inquires approval of the subordinate credit card by using the information read in the credit card checker, or generates/transmits the certification and an approval message of the parent by receiving the information of the subordinate credit card and a mobile terminal number, and displays a certification result. An SMS sender(300) requests the certification to the parent by transmitting a short message to the mobile terminal number of the parent.

Description

Substitute meeting settlement system and the method which use the subordinate card}

1 is a view showing the overall configuration of the face-to-face payment system according to an embodiment of the present invention.

2 is a flow chart showing a face-to-face payment method according to an embodiment of the present invention.

Figure 3 is a flow chart showing a face-to-face payment method according to another preferred embodiment of the present invention.

Figure 4 is a flow chart showing a face-to-face payment method according to another preferred embodiment of the present invention.

*** Explanation of symbols for main parts of drawing ***

100: card inquiry machine 200: personal terminal

300: SMS transmitter 400: additional service server

500: card company server 600: mobile phone

700: telephone network 800: internet network

900: PCS Network

The present invention relates to an agent facing payment system and method using a subordinate card.

More specifically, in order to use a subordinate card additionally issued from a card company with the same number as a credit card that a parent has already issued and used like a general credit card, a short message (SMS) or a call back URL message (call back URL) is recalled. The present invention relates to an agent-facing payment system and method using a subordinate card that can be used as a credit card when the parent's mobile phone is authenticated by the parent's mobile phone.

In general, the card is used as a substitute for cash as collateral for credit, and has the following name depending on its purpose. In other words, there are a transportation card for paying the transportation cost of a bus or subway, a cash card that can withdraw cash only from an automatic cash dispenser, and a credit card that guarantees the payment by a credit card company.

In particular, the credit card is a means used in the credit sales system, which allows the payment of goods or services after a certain period of time. The credit card book, 'Looking Backward,' 1888, by Edward Bellamy, USA The concept of 'Credit Card' was first introduced as a means of payment for purchase and consumer life.

The credit card has a magnetic tape on which a user's information is recorded and is detachably attached to one side, or a chip of RFID is embedded, and the unique number of the card and the user's name and expiration date are embossed on one side of the credit card. And a hologram for preventing forgery is stamped. When a credit card is issued from an initial financial institution or card company, the financial institution or card company issues only a credit card having a unique number of cards, and requires a four-digit user password. In order to use such a credit card, credit card service can be provided only when the entered password matches the registered user's password by entering the user's password after entering the credit card in the card inquiry machine. The password you use to secure your credit card is a four-digit number.

However, such a credit card can be used illegally as long as there is a method that can be verified as a valid user. Means for preventing this have been developed, but there is no rapid and accurate identification method. Therefore, there is a problem that can not fundamentally prevent the economic damage of the credit card owner.

On the other hand, school education in our country can be divided into humanities preparing for college entrance exams and vocational jobs preparing for employment. Currently, schools in our country do not conduct normal school education but use all possible methods to compete for university entrance examinations. I am focused on. The grades of the entrance examination soon became the criteria for determining the grade of the school, and the society eventually decided that the criteria for selecting and evaluating its members were not based on the ability of the person, but on the educational level. Reflecting the atmosphere, most parents want their children to study well and enter a good school, and that desire has developed into an educational craze that enlists not only in school education but also in tutoring and academy. In addition to public education, 80% of them are enrolled in private tutoring or private academies and receive private tutoring. As a result of this educational craze, parents' private tutoring expenditure has become a big market. In order to pay for private education, parents go to schools, institutes, tutors, etc. to pay by credit card, or they can not go to the school due to busy daily life and give credit cards to their children (students, youth, etc.). To make it possible.

However, every time parents pay their private education expenses, they have to go directly to school, academy, or tutors, and give their credit cards to children (students, teenagers, etc.) who are not allowed to issue credit cards. The children (students, teenagers, etc.) who had possession did not restrain the desire to use the credit card, and had a problem of discharging the money by extracting the credit card information of the parents, acquiring electronic money, joining harmful information websites, and purchasing various accessories.

The present invention has been made in order to solve the problems described above, and additionally issued a subordinate card from the card company with the same card number as the credit card that the parent is already issued and used, the subordinate card is a minor (student, youth In order to use it as a credit card for education expenses such as school, academy, etc., a short message (SMS) or a call back URL message (Call Back URL) is transmitted to the parent's mobile phone to verify the parent's password ), The present invention relates to an agent-to-agent payment system and method using a subordinate card that can be used as a credit card.

As described above, in the agent face-to-face payment system and method, which can be used by receiving a subordinate card having the same number as the credit card that the parent has already issued and used from the card company, the parent has previously issued and used the card company. A card that is additionally issued by the card company and used by minors (students, teenagers, etc.) with the same card number as the number of the credit card. It is used in connection with a personal terminal, using the card query to read the information of the subordinate card, and requesting the approval of the subordinate card using the information of the subordinate card read from the card interrogator, Receives the mobile phone's number and generates and sends the parent's certificate and approval message, A personal terminal for displaying the result and a short message (SMS) is transmitted to the number of the mobile phone by using the information of the subordinate card generated in the personal terminal and the mobile phone connected to the personal terminal to authenticate the parent. Using the SMS caller requesting information and the information of the subordinate card inputted, the number of the mobile phone is inquired by the card company server, and the short message (SMS) or call back URL message (Call Back URL) is used by using the result of the inquiry. Send a request for parental authentication (parent card password input), using the parent card password entered by the parent's authentication to send the card payment approval message to the card company server and the approval result to the card inquiry machine or personal terminal The additional service server for transmitting and storing the information of the first parent card and the number of the mobile phone entered together while issuing the dependent card. In addition, the result of the mobile phone number inquiry and the approval result according to the credit card authorization are transmitted to the additional service server, or the short message (SMS) or call back URL message (Call Back URL) is transmitted using the result of the inquiry. Request the authentication of the parent (password of the parent card), using the parent card password entered as the parent's authentication transmits the authorization result according to the credit card authorization to the value-added service server, and sends the credit card authorization result in a short message ( A subsidiary card comprising a card company server for transmitting to a mobile phone using SMS) and a mobile phone for verifying that the subsidiary card is a parent for card approval of the subordinate card, providing a parent card password, and receiving and confirming the subordinate card approval result. Agent to face-to-face payment system is provided,

Requesting card approval through the telephone network by reading the information of the subordinate card using a card lookup machine, and the additional service server inquiries and receives the mobile phone number of the parent card from the subsidiary card using the subordinate card information; Temporarily storing the subordinate card information, and the additional service server transmits a call back URL message (Call Back URL) through the PCS network to the mobile phone number using the mobile phone number inquiry result of the parent card. Authenticating and transmitting the contents of the call back URL message to the additional service server through a PCS network by inputting a password of a parent card after confirming that the holder of the mobile phone is a parent; The additional service server uses the information of the subordinate card temporarily stored and the password of the parent card to the credit card company server. The agent-to-person face-to-face payment method comprising the step of transmitting an approval message and receiving the approval result and the additional service server transmitting the approval result of the subordinate card to a card inquiry machine are provided.

Read the information of the subordinate card using the personal terminal connected to the card checker, and directly receive the mobile phone number of the parent card and request the parent's authentication using the Call Back URL through the Internet and PCS networks. And confirming that the contents of the call back URL message (Call Back URL) are the mobile phone holder and the parent, and inputting the password of the parent card to the personal terminal through the PCS network and the Internet network, and in the personal terminal. Generating a card approval message using the received password of the parent card and transmitting to the value-added service server using the Internet network, The value-added service server using the card approval message to the credit card authorization server to the card company server Transmitting and receiving the approval result, and the supplementary service server transmits the received approval result using an internet network. By the step of transmitting to the personal terminal, the personal terminal is provided with the agent face-to-face payment method comprising the step of confirming the approval result and printing a slip,

Requesting card approval through the telephone network by reading the information of the subordinate card using a card inquiry machine, and the additional service server transmitting the credit card authorization message to the card company server using the subordinate card information, and the card company server Querying the mobile phone number of the parent card using the subordinate card information and the credit card authorization message, and requesting the parent's authentication by transmitting a call back URL message through the PCS network to the mobile phone number; And checking the contents of the call back URL message (Call Back URL) after the holder of the mobile phone is a parent, inputting a password of a parent card to the card company server through a PCS network, and the card company server receiving the received information. Approving the credit card using the password of the parent card and transmitting the approval result to the additional service server and the addition Bis server is achieved by providing a representative face-to-face settlement method comprising the step of transmitting an acknowledgment result of the slave card group query card.

With reference to the drawings will be described in more detail the agent-to-face payment system and method using a subordinate card according to an embodiment of the present invention.

First, it will be helpful to understand the present invention through the description of new terms used in the present invention.

The parent card used in the present invention refers to a credit card used by a parent of a minor (student, adolescent, etc.) already issued by a card company.

The subordinate card used in the present invention may be used by minors (students, adolescents, etc.) by being additionally issued by the card company with the same card number as the number of the credit card (parent card) that the parent has already received and used from the card company. When the subsidiary card is issued, the card company is issued with the same card number as the parent card, but cannot be used as a credit card alone, and the mobile phone number of the parent holding the parent card and the information of the parent card together. It is stored in a database, and can be used as a credit card only when the parent's authentication (parental password input) is performed.

The subordinate card may be a 'child card', an 'education card', etc., and the parent card may use a name such as a 'parent card', and if necessary, the 'cash card', 'mileage', 'attendance' on the subordinate card. You can also add additional features such as 'check', 'transport card', and 'cash receipt'.

1 is a view showing the overall configuration of the face-to-face payment system according to an embodiment of the present invention. In more detail with reference to Figure 1,

The present invention is dependent card (not shown), card inquiry machine 100, personal terminal 200, SMS caller 300, additional service server 400, card company server 500, mobile phone 600, telephone network ( 700), Internet network 800, PCS network 900 is configured to include.

The card lookup device 100 is used independently or connected to the personal terminal 200, and performs a function of reading information of the subordinate card.

The personal terminal 200 requests the approval of the subordinate card by using the subordinate card information read from the card inquiry device 100, or receives the subordinate card information and the mobile phone number and receives the mobile number of the parent. Receive parent's authentication (parent card password) using short message (SMS) or call back URL (Call Back URL) on phone, generate and send credit card authorization using the parent card's password Perform the function to display the result.

In addition, the personal terminal 200 controls the information on the subordinate card, receives and manages the number of the mobile phone 600, and generates a credit card authorization message based on the subordinate card approval to generate the additional service server 400. ), And a program that provides a function to show the screen by receiving the approval result.

The SMS transmitter 300 is connected to the personal terminal 300 by RS-232C or USB to read from the card inquiry device 100 and the information of the subordinate card generated by the personal terminal 300 and the mobile phone number. Using a short message (SMS) directly to the parent's mobile phone number to perform the function of requesting the parent's authentication (parent card password input).

The additional service server 400 inquires the number of the mobile phone to the card company server 500 by using the information of the subordinate card inputted, and the short message (SMS) or callback URL message using the inquiry result (Call Back URL) to request the parent's authentication (parent card password), using the password of the parent card entered as the parent's authentication to send the card payment approval message to the card company server 500 and the approval It transmits a result to the card inquiry machine 100 or the personal terminal 200.

The card company server 500 stores the information of the first parent card and the mobile phone number of the parent with the dependent card, the mobile phone number query result and the approval result according to the credit card authorization the additional service The server 400 transmits the credit card approval result to the parent mobile phone 600 using a short message (SMS).

The mobile phone 600 is a portable communication means (cell phone, PCS phone, PDA, etc.) always carried by the parent, the parent of the parent card, the password of the parent card by confirming that the parent for the card approval of the subordinate card Provides, and performs a function to confirm the subordinate card approval result.

Hereinafter, the agent-to-person payment system configured as described above and various agent-to-person payment methods using the subordinate card will be described in detail.

2 is a flow chart showing a face-to-face payment method according to an embodiment of the present invention. Referring to Figure 2 in more detail,

First, it is assumed that a student who attends an academy among the children of the parents possesses a newly issued subordinate card using a parent's credit card (parent card), and uses the subordinate card to pay school expenses.

When the student presents the subordinate card to the accountant in charge of the accounting business in the school and indicates the intention to pay the school fee, the accountant uses the card search machine provided in the school to provide information on the subordinate card. When reading the (S202) and the card payment request via the telephone network to the additional service server with the education fee payment amount (S204). In addition, the card inquiry device may be connected to a personal terminal, and after reading the information of the subordinate card using the personal terminal, the card approval request may be transmitted to the additional service server along with the education fee payment amount.

The additional service server temporarily stores the received information of the subordinate card, and uses the subordinate card information (card number) to query the card company server for the mobile phone number of the parent possessing the parent card of the subordinate card. (S206). The card company server searches for the mobile phone number of the previously stored parent card using the card number of the subordinate card and transmits the result to the additional service server.

The additional service server generates a content of a student who wants to pay school expenses to the subordinate card by using the mobile phone number of the received parent card as a call back URL. By transmitting to the mobile phone through the parent's authentication is requested (S208). The call back URL message may also be transmitted as a short message (SMS).

When the parent checks the contents of the call back URL message transmitted to the mobile phone of the parent and authenticates that the student who wants to pay the education fee is a child and enters the password of the parent card and sends it to the additional service server again. It becomes (S210).

When the additional service server transmits the credit card approval message for the education fee payment amount to the card company server using the temporarily stored information of the subordinate card and the received parent card password (S212), the card company server sends the password of the parent card. Using the payment of education costs and transmits the approval result to the value-added service server, and also generates a short message (SMS) to the mobile phone of the parent and transmits to notify that the education costs have been paid (S214).

The additional service server transmits the approval result of the subordinate card to the card lookup and the student and the accountant check the contents (S216). If the card lookup device and the personal terminal are connected, the value-added service server transmits the approval result of the subordinate card to the personal terminal, and the student and the accountant check the contents and print a slip.

Figure 3 is a flow chart showing a face-to-face payment method according to another preferred embodiment of the present invention. Referring to Figure 3 in more detail,

First, it is assumed that a student who attends an academy among the children of the parents possesses a newly issued subordinate card using a parent's credit card (parent card), and uses the subordinate card to pay school expenses. Also, the card inquiry machine is connected to the personal terminal.

When the student presents the subordinate card to the accountant in charge of the accounting business in the school and indicates the intention to pay the school fee, the accountant uses the card search machine provided in the school to provide information on the subordinate card. Read the (S302), after checking the parent's mobile phone number to the student enters the mobile phone number of the parent on the input screen for receiving the mobile phone number of the parent card displayed on the personal terminal and then the education fee payment amount and Press transmission together (S304).

The personal terminal generates the contents of the student who wants to pay the education fee to the subordinate card as a Call Back URL and transmits the contents of the student to the mobile phone of the parent through the Internet network and the PCS network for the parent's authentication. (S306). In addition, after connecting the SMS transmitter with the RS-232C or USB to the personal terminal, the content of the student who wants to pay the education fee to the subordinate card is generated in a short message (SMS) and directly transmitted to the parent's mobile phone to You can also get certified.

The parent checks the contents of the call back URL message transmitted to the mobile phone of the parent, verifies that the student who wants to pay the education fee is a child, enters the password of the parent card, and transmits it to the personal terminal again ( S308).

The personal terminal generates a card approval message of the subordinate card using the received password of the parent card and transmits it to the additional service server using the internet network (S310).

When the additional service server transmits the credit card approval text for the education fee payment amount to the card company server using the received parent card password (S312), the card company server pays the education fee using the password of the parent card and approves the approval. The result is transmitted to the value-added service server, and a short message (SMS) is generated and transmitted to the parent's mobile phone to notify that the education fee is paid (S314).

The additional service server transmits the approval result of the subordinate card to the personal terminal and the student and the accountant confirm the contents (S316). After confirming the approval result in the personal terminal, a slip may be printed (S318).

Figure 4 is a flow chart showing a face-to-face payment method according to another preferred embodiment of the present invention. Referring to Figure 4 in more detail,

First, it is assumed that a student who attends an academy among the children of the parents possesses a newly issued subordinate card using a parent's credit card (parent card), and uses the subordinate card to pay school expenses.

When the student presents the subordinate card to the accountant in charge of the accounting business in the school and indicates the intention to pay the school fee, the accountant uses the card search machine provided in the school to provide information on the subordinate card. When reading the (S402) and the card approval request via the telephone network is sent to the value-added service server with the education fee payment amount (S404). In addition, after connecting the card inquiry device to a personal terminal, the information on the subordinate card may be read using the personal terminal, and the card approval through the internet network may be transmitted to the additional service server along with the education fee payment amount.

The additional service server transmits the credit card approval message to the card company server using the received education fee payment amount and the subordinate card information (S406).

The card company server searches and inquires the mobile phone number of the parent card for the subordinate card using the subordinate card information (card number) (S408), and pays the school expenses to the subordinate card to the retrieved mobile phone number. The content of the student is generated as a call back URL (Call Back URL) and transmitted through the PCS network to request the parent's authentication (S410).

The parent checks the contents of the call back URL message transmitted to the mobile phone of the parent, authenticates that the student who wants to pay the education fee is a child, and enters the password of the parent card. (S412).

The card company server pays the education fee using the password of the received parent card and transmits the approval result to the value-added service server, and generates and sends a short message (SMS) to the parent's mobile phone. Notify that the payment (S414).

The additional service server transmits the approval result of the subordinate card to the card lookup and the student and the accountant confirm the contents (S416). If the card inquiry device and the personal terminal are connected, the supplementary service server transmits the approval result of the subordinate card to the personal terminal, and the student and the accountant check the contents and print a slip.

As described above, although the present invention has been described by way of limited embodiments and drawings, the present invention is not limited thereto and is intended by those skilled in the art to which the present invention pertains. Of course, various modifications and variations are possible within the scope of equivalent claims.

As described above, the agent face-to-face payment system and method using the dependent card of the present invention can be directly paid by a minor (student, adolescent, etc.) without using the dependent card to pay through the parents' school, academy, etc. Has the effect of reducing convenience and economic cost,

Another effect is that minors (students, adolescents, etc.) who have not yet become legal adults by adding additional functions such as 'cash card', 'mileage', 'attendance check', 'transport card', 'cash receipt', etc. There is an effect that can solve the need for credit card use.

Claims (13)

In the agent face-to-face payment system that can be used by receiving a subordinate card with the same card number as the credit card that the parent has already issued and used from the card company, The card is the same number as the credit card number that the parent has already issued and used by the card company, and the card is additionally issued by the card company to be used by minors (students, youth, etc.). Available slave card; A card inquiry device used independently or connected to a personal terminal and reading information of the subordinate card; Request the approval of the subordinate card using the subordinate card information read from the card inquiry machine, or receive the subordinate card information and the mobile phone number, generate and transmit the parent's authentication and approval message, and the result of the approval. Personal terminal for displaying; An SMS caller connected to the personal terminal and transmitting a short message (SMS) to the number of the mobile phone by using the information of the subordinate card generated by the personal terminal and the number of the mobile phone to request authentication of the parent; Inquiry of the number of the mobile phone to the card company server by using the information of the subordinate card inputted, and by using the results of the inquiry to send a short message (SMS) or callback URL message (Call Back URL) by the authentication of the parent An additional service server for requesting a password input and transmitting a card payment approval message to a card company server using a card password inputted by the parental authentication and transmitting the result of the approval to the card inquiry machine or a personal terminal; While issuing the subordinate card, the information of the first parent card and the number of the mobile phone are stored together, and the result of the mobile phone number inquiry and the authorization result according to the credit card authorization are transmitted to the additional service server, or the inquiry is made. Send a short message (SMS) or call back URL (Call Back URL) to request the parent's authentication (card password input), and use the card password entered as the parent's authentication. A card company server for transmitting an authorization result to an additional service server and transmitting the credit card authorization result to a mobile phone using a short message (SMS); And A mobile phone for confirming that the card is a parent for card approval of the subordinate card, providing a card password, and receiving and confirming the subordinate card approval result; Agent face-to-face payment system using a subordinate card made of a. The method of claim 1, wherein the personal terminal Control the information of the slave card, and manages the input of the mobile phone number and the program that provides the function to generate and transmit the full text according to the subordinate card approval and to show the approval result on the screen Agent face-to-face payment system using a card. In the face-to-face agent payment method that can be used by receiving a subordinate card with the same card number as the credit card that the parent has already issued and used from the card company, (a) requesting card approval through a telephone network by reading the information of the subordinate card using a card inquiry machine; (b) the additional service server inquiring and receiving the mobile phone number of the parent card from the card company server using the information of the subordinate card, and temporarily storing the subordinate card information; (c) the additional service server transmitting a call back URL message (Call Back URL) through the PCS network to the mobile phone number using the mobile phone number inquiry result of the parent card to authenticate the parent; (d) confirming that the contents of the call back URL message (Call Back URL) is a parent of the mobile phone, and inputting a password of a parent card to the additional service server through a PCS network; (e) the additional service server transmitting the credit card approval message to the card company server using the temporarily stored information of the subordinate card and the password of the parent card and receiving the approval result; And (f) the additional service server transmitting the authorization result of the subordinate card to a card inquiry machine; Representative face-to-face payment method using a subordinate card made of a. The method of claim 3, wherein step (a) Connecting the card inquiry device to a personal terminal, and using the personal terminal to read the information of the subordinate card and requesting card approval through an internet network. The method of claim 3, wherein step (c) And using the subordinate card to transfer the short message (SMS) to the mobile phone number using the mobile phone number inquiry result of the parent card through the PCS network. The method of claim 3, wherein step (e) The card company server further comprises the step of notifying the mobile phone number using the short message (SMS) through the PCS network the agent face-to-face payment method using a subordinate card. In the face-to-face agent payment method that can be used by receiving a subordinate card with the same card number as the credit card that the parent has already issued and used from the card company, (a) Read the information of the subordinate card using the personal terminal connected to the card checker, and directly input the mobile phone number of the parent card and use the call back URL message (Call Back URL) through the Internet network and the PCS network. Requesting authentication; (b) confirming that the contents of the call back URL message (Call Back URL) is a mobile phone holder is a parent and inputs a password of a parent card to the personal terminal via the PCS network and the Internet network; (c) generating a card approval message using a password of the parent card received from the personal terminal and transmitting the generated message to the additional service server using an internet network; (d) the additional service server transmitting the credit card approval message to the card company server using the card approval message and receiving the approval result; (e) the additional service server transmitting the received approval result to the personal terminal through an internet network; (f) the personal terminal checking the approval result and printing a slip; Representative face-to-face payment method using a subordinate card made of a. 8. The method of claim 7, wherein the callback URL message (Call Back URL) Agent face-to-face payment method using a subordinate card, characterized in that can be used as a short message (SMS). The method of claim 7, wherein step (a) The card inquiry device reads the information of the subordinate card using the connected personal terminal, directly receives a mobile phone number of the parent card, and generates a short message (SMS) directly to the SMS transmitter connected to the personal terminal to request identity verification. Agent facing payment system using a subordinate card that further comprises. The method of claim 7, wherein step (d) The card company server further comprises the step of notifying the mobile phone number using the short message (SMS) through the PCS network the agent face-to-face payment method using a subordinate card. In the face-to-face agent payment method that can be used by receiving a subordinate card with the same card number as the credit card that the parent has already issued and used from the card company, (a) requesting card approval through a telephone network by reading the information of the subordinate card using a card inquiry machine; (b) the additional service server transmitting the credit card approval message to the card company server using the subordinate card information; (c) The card company server inquires the mobile phone number of the parent card using the subordinate card information and the credit card authorization message, and transmits a call back URL message (Call Back URL) through the PCS network to the mobile phone number for authentication. Requesting; (d) confirming that the contents of the call back URL message (Call Back URL) are the parent of the mobile phone and inputting a password of a parent card to the card company server through a PCS network; (e) approving the credit card using the received parent card's password and transmitting the approval result to the additional service server; And (f) the additional service server transmitting the authorization result of the subordinate card to a card inquiry machine; Representative face-to-face payment method using a subordinate card made of a. The method of claim 11, wherein step (a) Connecting the card inquiry device to a personal terminal, and using the personal terminal to read information of the subordinate card and requesting card approval through an internet network. The method of claim 11, wherein step (e) The card company server further comprises the step of notifying the mobile phone number using the short message (SMS) through the PCS network the agent face-to-face payment method using a subordinate card.

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