KR20080096721A - Method and system for processing payment of credit card using by mobile terminal - Google Patents

Method and system for processing payment of credit card using by mobile terminal Download PDF

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Publication number
KR20080096721A
KR20080096721A KR1020070035231A KR20070035231A KR20080096721A KR 20080096721 A KR20080096721 A KR 20080096721A KR 1020070035231 A KR1020070035231 A KR 1020070035231A KR 20070035231 A KR20070035231 A KR 20070035231A KR 20080096721 A KR20080096721 A KR 20080096721A
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KR
South Korea
Prior art keywords
payment
credit card
mobile terminal
terminal
information
Prior art date
Application number
KR1020070035231A
Other languages
Korean (ko)
Inventor
배재광
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배재광
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Application filed by 배재광 filed Critical 배재광
Priority to KR1020070035231A priority Critical patent/KR20080096721A/en
Publication of KR20080096721A publication Critical patent/KR20080096721A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/02—Terminal devices

Abstract

The present invention relates to a method and system for processing a credit card payment using a mobile terminal, the credit card payment system according to the invention checks the terminal identification information for the mobile terminal of the buyer for payment in the merchant terminal, Process to transmit the terminal identification information and the payment amount information for the payment from the merchant terminal to the payment broker server, and send the payment request message from the payment broker server to the mobile terminal to send the payment request message from the mobile terminal. In response to the process, credit card information is included or processed to receive a response signal for approving the payment, and the payment broker server processes the payment request using the credit card information or the payment amount information to the card company server. .

Description

METHOD AND SYSTEM FOR PROCESSING PAYMENT OF CREDIT CARD USING BY MOBILE TERMINAL}

1 is a diagram illustrating a network for implementing a credit card payment method according to the present invention.

2 is a flowchart illustrating a credit card payment method according to an embodiment of the present invention.

3 is a view for explaining a payment request message received by the mobile terminal according to an embodiment of the present invention.

4 is a diagram illustrating a payment request message received by a mobile terminal according to another embodiment of the present invention.

5 is a block diagram illustrating an internal configuration of a credit card payment system according to an embodiment of the present invention.

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

500: credit card payment system

510: payment request processing unit

520: response signal processing unit

530: payment processing unit

540: terminal identification information processing unit

550: authentication processing unit

The present invention relates to a method and a system for processing a payment of a credit card using a mobile terminal, wherein a merchant terminal confirms terminal identification information of a purchaser's mobile terminal for payment, and receives payment upon receipt of the terminal identification information. An intermediary server receives the terminal identification information and payment amount information for the payment from the merchant terminal, receives credit card information from the mobile terminal, or stores the credit card information of the buyer from the card information management server. Checking the card information to start the configuration for requesting payment to the card company server.

Today, buyers can use their credit cards to process payments at online or offline merchants. For example, for payment at an online merchant, a purchaser may access a card company server using a computer terminal connected to the Internet, and process a desired payment amount through the card company server. In addition, for payment at an affiliated store, the purchaser may request the authentication and approval of the card company server using a card terminal capable of card payment to process a corresponding payment amount. However, the purchaser must have a computer terminal connected to the Internet for online payment or carry a credit card for offline payment.

In addition, in recent years, various additional functions have been added to the mobile terminal in addition to the basic call setting function. Among the representative additional functions of such a mobile terminal, there are auxiliary functions for payment, such as a function of authenticating means for payment of a credit card, as well as a payment function of adding up a payment amount to a mobile carrier fee. However, there is a problem in that a direct payment using a credit card cannot be processed only by a mobile terminal. That is, when a buyer having only a mobile terminal intends to pay with a credit card online or offline for a purchased item or a used service, there is no solution.

That is, in the following, we propose a new technology that can process a credit card payment using a mobile terminal in an online or offline merchant.

The present invention has been made to improve the prior art as described above, an object of the present invention is to provide a credit card payment method and credit card payment system for processing a credit card payment directly from the mobile terminal.

An object of the present invention is to use a mobile terminal, more convenient and faster payment of the credit card.

Another object of the present invention is to provide a stable payment method by authenticating a user through a mobile terminal and processing a payment of a credit card.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, the credit card payment method according to an embodiment of the present invention, the step of confirming the terminal identification information for the buyer's mobile terminal in the merchant terminal, the Processing to transmit the confirmed terminal identification information and payment amount information for the payment from a merchant terminal to a payment broker server, transmitting a payment request message from the payment broker server to the mobile terminal, and transmitting the payment from the mobile terminal. In response to the request message, processing to receive a payment confirmation message, and processing to request a payment for the payment amount information from the payment intermediation server to a card company server based on the received payment confirmation message. It is characterized by including.

Credit card payment system according to an embodiment of the present invention, the payment request processing unit for processing to transmit the terminal identification information and the payment amount information for the payment of the mobile terminal of the buyer from the merchant terminal to the payment broker server, the payment broker A response signal processor for transmitting a payment request message from the server to the mobile terminal and receiving a payment confirmation message in response to the payment request message from the mobile terminal, and the payment amount from the payment broker server to the card company server; It characterized in that it comprises a payment processing unit for processing to transmit the information to request the payment.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings and the contents described in the accompanying drawings, but the present invention is not limited or limited to the embodiments.

1 is a diagram illustrating a network for implementing a credit card payment method according to the present invention.

Referring to Figure 1, the credit card payment system according to the present invention processes the merchant terminal 120 to confirm the terminal identification information for the mobile terminal 110 of the buyer for payment, payment intermediary from the merchant terminal 120 The server 130 processes the terminal identification information and the payment amount information for the payment.

To this end, the credit card payment system may be specifically processed to perform a purchase request from the mobile terminal 110 of the buyer to the merchant terminal 120 for secure authentication of the credit card payment. For example, according to the purchase request of the purchaser, the affiliated store terminal 120 requests the mobile terminal 110 to transmit terminal identification information for uniquely identifying the terminal, and the mobile terminal 110 processes the affiliated store terminal ( The terminal may transmit the terminal identification information to the terminal 120.

The merchant terminal 120 continuously used in the present specification includes not only the wired / wireless terminal for credit card payment or a computer terminal with internet access, but also a PSTN terminal, VoIP, SIP, Megaco, PDA (Personal Digital Assistant), Cellular Phone, Personal Communication Service (PCS) Phone, Hand-Held PC, CDMA-2000 (1X, 3X) Phone, Wideband CDMA Phone, Dual Dual Band / Dual Mode phones, Global Standard for Mobile (GSM) phones, Mobile Broadband System (MBS) phones, and satellite / terrestrial Digital Multimedia Broadcasting (DMB) phones. In other words, the credit card payment system according to the present invention, the merchant (or distributor) that does not have a wired / wireless terminal for credit card payment or a computer terminal capable of internet access can be used for payment processing of a credit card using only the terminal identification information of the buyer. Do.

The payment amount information includes information on the cost that the buyer has to pay in order to use a product, a service, or a multimedia content, etc. requesting a purchase, and the terminal identification information is a caller IDentification (CID) of the mobile terminal 110. It may include at least one of a number, an electronic serial number (ESN), or a mobile identification number (MIN).

The mobile terminal disclosed herein refers to a PSTN terminal, VoIP, SIP, Megaco, PDA (Personal Digital Assistant), cellular phone, PCS (Personal Communication Service) phone, hand-held PC (Hand-Held PC), CDMA-2000 ( 1X, 3X) phones, Wideband CDMA (WCDMA) phones, Dual Band / Dual Mode phones, Global Standard for Mobile (GSM) phones, Mobile Broadband System (MBS) phones, and satellite / terrestrial DMB ( Digital Multimedia Broadcasting) can be interpreted as a terminal including at least one of the phones.

In addition, when the payment broker server 130 receives the terminal identification information and the payment amount information, the credit card payment system uses the terminal identification information payment request from the payment broker server 130 to the mobile terminal 110. Process to send the message.

For example, the payment request message may be implemented in the form of a text message including a callback URL to a payment broker server, and the calling party's telephone number of the payment request message is a CID number extracted from the received terminal identification information. . For example, in response to the payment request message, the buyer may receive credit card information including credit card company information, card number, expiration date information, social security number, CVC (Card Validation Code) or password of the buyer. Direct input may be transmitted to the payment broker server 130.

As another example, at least one of the above-described credit card information may be stored in a financial chip interworking with the mobile terminal 110 in an internal or external form in the mobile terminal 110. In this case, the purchaser may transmit the credit card information stored in the financial chip to the payment intermediation server 130 by pushing a confirmation keypad in response to the received payment request message.

As another example, at least one of the above-described credit card information may be maintained in the payment intermediation server 130 or a card information management server (not shown) that stores / manages the credit card information in advance. In this case, the buyer may push a confirmation keypad in response to the received payment request message to transmit a payment confirmation message to the payment broker server 130, and the payment broker server 130 may confirm the payment. Based on the message, at least one of the credit card information can be confirmed from a self-managing database or the card information management server. To this end, the card information management server may collect and credit the purchaser's credit card information to a database.

Next, when the payment intermediation server 130 confirms the credit card information of the buyer, the credit card payment system is the card intermediary server 130 using the credit card information or the payment amount information card company server 140 Ask for payment processing at. Accordingly, the credit card payment system is the card company server 140 performs the payment process for the buyer using the credit card information and the payment amount information, and returns the processing result to the payment intermediation server 130, payment The mediation server 130 notifies the affiliated store terminal 120 of the processing result.

In the credit card payment system according to an embodiment of the present invention, when the payment intermediation server 130 receives terminal identification information from the affiliated store terminal 120, the purchaser's authentication is performed from the mobile carrier server 150 using the terminal identification information. Can be processed. More specifically, the terminal identification information may include at least one of a Caller IDentification (CID) number of the mobile terminal 110, an electronic serial number (ESN), a mobile identification number (MIN), or personal information of a purchaser. Accordingly, the credit card payment system processes the payment intermediation server 130 to transmit the terminal identification information to the mobile carrier server 150, and the mobile carrier server 150 based on the received terminal identification information. And credit can be confirmed.

In the credit card payment system according to an embodiment of the present invention, the merchant terminal 120 performs a role of transmitting credit card information performed by the buyer's mobile terminal 110, and the buyer's mobile terminal 110 only pays for the credit card. By allowing the approval of, payment can be processed. As described above, this is a variation of the principle aspect of payment through the transmission of credit card information performed by the mobile terminal 110 of the buyer, and when the merchant terminal 120 is in the form of the mobile terminal, the buyer is face-to-face or online. The core idea of the present patent, which informs the merchant's credit card information to the merchant through the merchant terminal 120 and transmits the buyer's credit card information to the payment intermediation server 130 in a mobile manner, the security of the credit card payment and the user authentication. In order to maintain the payment intermediation server 130 transmits a payment request message including credit card information and payment amount information received from the merchant terminal 120, which is a mobile terminal, to the mobile terminal 110, the mobile terminal 110 Receive credit card response information from the payment request message and proceed with the credit card payment process. There.

As a result, the credit card payment system according to the present invention not only makes payment of a credit card more convenient and faster using a mobile terminal, but also authenticates a user through a mobile terminal, thereby processing the payment of a credit card. It can provide a stable payment method.

2 is a flowchart illustrating a credit card payment method according to an embodiment of the present invention.

Referring to Figure 2, the credit card payment system according to the present invention in step 201 the merchant terminal confirms the terminal identification information for the buyer's mobile terminal.

For example, the merchant terminal may not only directly receive the terminal identification information from the mobile terminal, but may also be verbally transmitted from a purchaser and input from the manager of the merchant terminal.

To this end, the credit card payment system may be specially processed to perform a purchase request from the mobile terminal of the buyer to the merchant terminal for secure authentication of the credit card payment. According to this, according to the purchase request of the purchaser, the merchant terminal requests the mobile terminal to transmit terminal identification information for uniquely identifying the terminal, and the mobile terminal transmits the terminal identification information to the merchant terminal. Can be handled. The terminal identification information includes at least one of a caller IDentification (CID) number of the mobile terminal, an electronic serial number (ESN), a mobile identification number (MIN), or personal information of a purchaser capable of uniquely identifying the mobile terminal. Can be interpreted as information.

Thus, in step 202, the credit card payment system controls the merchant terminal to transmit the terminal identification information checked by the merchant terminal and payment amount information for the purchaser's payment to a payment broker server. For example, the payment amount information may represent cost information of 100,000 won for the clothing sold in the merchant.

When the payment broker server receives the terminal identification information and the payment amount information from the merchant terminal, the credit card payment system controls the payment broker server so that a payment request message is transmitted to the mobile terminal in step 203.

According to an embodiment of the present invention, the credit card settlement system, as in step 203, when the payment broker server receives the terminal identification information and the payment amount information from the merchant terminal, the payment broker server is a carrier; By transmitting the terminal identification information to a server and processing to authenticate the mobile terminal, security can be strengthened.

The payment request message may be interpreted as a message requesting at least one of card company information, card number, password, expiration date information and CVC of the buyer's credit card for the payment, and includes a callback URL for convenience. It can be implemented in the form of a text message. That is, the payment request message includes the address information of the database of the payment broker server as a callback URL, and the credit card payment system, in step 204, the card company information of the credit card using the callback URL. Credit card information including at least one of a card number, a password, an expiration date information, a purchaser's social security number, and a CVC (Card Validation Code) to the payment broker server.

According to one embodiment of the present invention, the payment request message includes only the contents of accepting the payment, and when the payment is accepted, the payment intermediation server from the card information management server that maintains the credit card information in advance. You can also check your credit card information.

Hereinafter, a payment request message transmitted from the payment broker server to the mobile terminal will be described in detail with reference to FIGS. 3 and 4.

3 is a view for explaining a payment request message received by the mobile terminal 300 according to another embodiment of the present invention.

Referring to FIG. 3, the mobile terminal 300 receives a payment request message including a callback URL from the payment broker server. Accordingly, the buyer confirms purchase related information such as the price of the item to be purchased from the payment request message and delivers a purchase intention. More specifically, the payment request message 'Would you like to pay $ 100,000 at the merchant? Provides a field for the optional entry of 'yes' or 'no' with the comment. Accordingly, when it is determined that the purchase request requested by the merchant and the received payment request message match, the 'Yes' field is activated by using the navigation keypad and the 'OK' keypad is pushed. Accordingly, the mobile terminal transmits a payment confirmation message to the payment broker server according to the selection of the 'Yes' field.

According to an embodiment of the present invention, the payment intermediation server, upon receiving the payment confirmation message, confirms the purchase intention of the buyer and advances the purchaser from a third server that maintains the credit card information of the buyer in advance. Collect credit card information.

In addition, according to another embodiment of the present invention, the payment confirmation message includes the buyer's credit card information. In this case, the credit card information may be input from the purchaser or read from the financial chip or memory of the mobile terminal 300 together with the confirmation of the payment request message. An embodiment in which the credit card information is directly input from the buyer will be described in detail with reference to FIG. 4.

4 is a view for explaining a payment request message received by the mobile terminal 400 according to an embodiment of the present invention.

Referring to FIG. 4, the mobile terminal 400 receives a payment request message including a callback URL from the payment mediation server. At this time, the mobile terminal 400 does not store the credit card information of the buyer separately, and directly receives the credit card information from the buyer in response to the payment request message. More specifically, the payment request message is an input field 401 of card company information, an input field 402 of a card number, and an input field 403 of a password together with the statement 'Please enter the credit card information you want to pay'. To provide. In addition, the payment request message may provide a field for further inputting the expiration date information of the credit card, the social security number of the buyer, or the CVC. Accordingly, the purchaser may input the credit card information necessary for the payment processing through each of the fields, and transmit the credit card information to the payment broker server by pushing a 'confirmation' keypad.

If it is determined that the received payment request message does not match the purchase request requested by the merchant, the service may be terminated by activating the NO field using the navigation keypad and pushing the OK keypad.

Referring again to FIG. 2, when the payment broker server receives the payment confirmation message from the mobile terminal, the credit card payment system controls the payment broker server as shown in step 205 to control the payment broker server from the card company server. The credit card information or the payment amount information is transmitted to request payment processing.

As described above with reference to FIG. 3, the credit card information may be directly input from a purchaser or read from a financial chip or memory and included in the payment confirmation message. In addition, the payment confirmation message includes only the purchase intention of the buyer, and when receiving the payment confirmation message, the payment intermediation server may collect the credit card information from an internal database or a third server.

Next, in step 206, the credit card payment system controls the card company server to process payment using the credit card information and the payment amount information. In addition, the credit card payment system controls the card company server to generate a payment completion signal and transmit the generated payment completion signal to the payment broker server in response to the payment processing. For example, the credit card payment system transmits a part of credit card information from the payment broker server to the card company server to authenticate the credit card. For example, some information of the credit card information transmitted for the authentication process may be the next eight digits of the 16 digits of the card number. Next, when the card company server authenticates the credit card, the credit card payment system controls the payment intermediation server to transmit the card number, password, card company information, and payment amount information of the credit card to the card company server. To request approval. Thus, the card company server may process the payment corresponding to the payment amount information using the credit card information.

Next, in step 207, the credit card payment system confirms that payment processing is normally completed through a payment completion signal received by the payment intermediation server, and processes the merchant terminal to provide a corresponding service or corresponding content to the buyer. can do. If the purchaser requests the MP3 music file from the merchant, the credit card payment system generates / provides an MP3 music file that can be used for a predetermined period of time at the merchant terminal in consideration of the payment processing cost. You can request

According to an embodiment of the present invention, if the payment is approved, the credit card payment system processes the payment intermediation server to transmit a payment completion signal received from the card company server to the mobile terminal. That is, when the payment intermediation server receives the payment completion signal from the card company server, the credit card payment system processes the payment completion signal to not only the affiliated store terminal but also the mobile terminal. To this end, the payment completion signal transmitted to the mobile terminal may be processed in the format of a text message.

As a result, the credit card payment system according to the present invention can not only perform the payment of the credit card more conveniently and quickly by using a mobile terminal, but also by processing the payment of the credit card by authenticating the user through the mobile terminal. A payment method can be provided.

5 is a block diagram illustrating an internal configuration of a credit card payment system 500 according to an embodiment of the present invention.

As shown in FIG. 5, the credit card payment system 500 according to the present invention includes a payment request processor 510, a response signal processor 520, and a payment processor 530.

First, the payment request processing unit 510 processes to transmit terminal identification information and payment amount information for payment from the merchant terminal to the payment broker server from the merchant terminal. The payment amount information includes cost information for the payment.

According to one embodiment of the invention, the terminal identification information for the mobile terminal may be directly received from the merchant terminal of the merchant terminal. In this case, the credit card payment system 500 further includes a terminal identification information processing unit 540 processing to transmit the terminal identification information for payment from the mobile terminal of the buyer to the merchant terminal. That is, when the mobile terminal makes a purchase request to the affiliated store terminal, the terminal identification information processing unit 540 requests terminal identification information for payment from the affiliated store terminal to the mobile terminal in response to the purchase request, and the terminal identification information. In response to the request, the mobile terminal transmits the terminal identification information to the affiliated store terminal.

Next, the response signal processing unit 520 transmits the payment request message from the payment broker server to the mobile terminal, and processes to receive a result confirmation message in response to the payment request message from the mobile terminal. The payment request message may be implemented as a text message including a callback URL to collect the credit card information. That is, the response signal processor 520 may control the payment broker server to process the response message including the credit card information from the mobile terminal using the callback URL.

In addition, as another example, the credit card information may be stored in the financial chip or memory of the mobile terminal, or may be extracted from a card information management server that receives and maintains credit card information from a purchaser in advance. If the credit card information is stored in the financial chip or memory of the mobile terminal, the response signal processor 520 reads the credit card information from the financial chip or memory and processes the credit card information to be included in the payment confirmation message. In addition, if the credit card information is maintained in the card information management server, it will be described again in the description of the payment processing unit 530 to be described later.

The payment processing unit 530 processes the payment intermediation server to request payment using the credit card information or the payment amount information from the card company server.

To this end, the payment processing unit 530 extracts the credit card information from the payment confirmation message transmitted from the mobile terminal, or based on the payment confirmation message, from the card information management server that maintains the credit card information of the buyer in advance. Credit card information can be collected.

 That is, the payment processing unit 530 transmits the credit card information from the payment broker server to the card company server to request authentication, and when the credit card information is authenticated, the credit card information is transmitted from the payment broker server to the card company server. And requesting approval by transmitting the payment amount information, and when the payment is approved according to the approval request, the payment intermediation server receives a payment completion signal from the card company server and processes the normal payment process provided to the affiliated store terminal. can do. For example, when the payment is approved by the card company server according to the approval request, the payment processing unit 530 may process the payment intermediation server to transmit a payment completion signal received from the card company server to the mobile terminal. In this case, the payment completion signal transmitted to the mobile terminal should be converted into a text message.

The credit card payment system 500 according to an embodiment of the present invention transmits the terminal identification information from the payment broker server to the mobile operator server before processing the payment, thereby authenticating the mobile terminal. It may further include. For example, the authentication processing unit 550 may further request the purchaser's social security number, expiration date of the credit card, CVC, or address to the mobile terminal for enhanced security.

As a result, the credit card payment system 500 according to the present invention not only can perform the payment of a credit card more conveniently and quickly by using a mobile terminal, but also authenticates a user through a mobile terminal, thereby making payment of a credit card. By processing the stable payment method can be provided.

Embodiments of the invention include a computer readable medium containing program instructions for performing various computer-implemented operations. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. The media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical recording media such as CD-ROMs, DVDs, magnetic-optical media such as floppy disks, and ROM, RAM, flash memory, and the like. Hardware devices specifically configured to store and execute the same program instructions are included. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.

While specific embodiments of the present invention have been described so far, various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the scope of the following claims, but also by those equivalent to the scope of the claims.

According to the present invention, it is possible to provide a credit card payment method and a credit card payment system for processing a credit card payment directly in a mobile terminal.

According to the present invention, a payment of a credit card can be performed more conveniently and quickly by using a mobile terminal.

According to the present invention, it is possible to provide a stable payment method by authenticating a user through a mobile terminal and processing a payment of a credit card.

Claims (21)

In the method for processing the payment of credit card using a mobile terminal, Confirming, by the merchant terminal, terminal identification information about the mobile terminal of the buyer; Processing to transmit the confirmed terminal identification information and payment amount information for the payment from the affiliated store terminal to a payment broker server; Transmitting a payment request message from the payment broker server to the mobile terminal and receiving a payment confirmation message in response to the payment request message from the mobile terminal; And Processing the payment intermediary server to request a payment for the payment amount information based on the received payment confirmation message from the payment intermediation server; Credit card payment method using a mobile terminal comprising a. The method of claim 1, In response to the payment request message, the step of processing to receive a payment confirmation message, Receiving a response signal including credit card information from the mobile terminal; Credit card payment method using a mobile terminal comprising a. The method of claim 1, The step of processing to request a payment for the payment amount information to the card company server, Verifying the credit card information from a card information management server that stores the credit card information for the buyer. Credit card payment method using a mobile terminal comprising a. The method of claim 3, Storing credit card information of a buyer who wants a new subscription to the card information management server; Credit card payment method using a mobile terminal, characterized in that it further comprises. The method of claim 1, When the payment broker server receives the terminal identification information and the payment amount information from the merchant terminal, Transmitting the terminal identification information from the payment intermediation server to a mobile carrier server to process the authentication of the mobile terminal; Credit card payment method using a mobile terminal, characterized in that it further comprises. The method of claim 1, The step of processing to transmit the terminal identification information and the payment amount information from the merchant terminal to the payment broker server, Requesting a purchase from the mobile terminal to the affiliated store terminal; In response to the purchase request, requesting terminal identification information for payment from the affiliated store terminal to the mobile terminal; And In response to the request for the terminal identification information, transmitting the terminal identification information from the mobile terminal to the affiliated store terminal. Credit card payment method using a mobile terminal comprising a. The method of claim 1, The step of processing to request payment for the payment amount information from the payment broker server to the card company server, Transmitting credit card information from the payment broker server to the card company server to request authentication; If the credit card information is authenticated, requesting authorization by transmitting the credit card information and the payment amount information from the payment broker server to the card company server; And If the payment is approved, the payment intermediation server receives the payment completion signal from the card company server and provides the merchant terminal Credit card payment method using a mobile terminal comprising a. The method of claim 7, wherein If the payment is approved, processing the payment intermediation server to transmit a payment completion signal received from the card company server to the mobile terminal; Credit card payment method using a mobile terminal, characterized in that it further comprises. The method of claim 1, The terminal identification information includes at least one of a caller IDentification (CID) number of the mobile terminal, an electronic serial number (ESN), a mobile identification number (MIN), or personal information of a purchaser. Card payment method. The method of claim 2, The credit card information includes at least one of card company information, card number, password, expiration date information, purchaser's social security number, or CVC (Card Validation Code) of the credit card. Card payment method. The method of claim 1, The mobile terminal is a PSTN terminal, VoIP, SIP, Megaco, PDA (Personal Digital Assistant), cellular phone, PCS (Personal Communication Service) phone, Hand-Held PC, CDMA-2000 (1X, 3X) phone , Wideband CDMA (WCDMA) phones, Dual Band / Dual Mode phones, Global Standard for Mobile (GSM) phones, Mobile Broadband System (MBS) phones, and satellite / terrestrial Digital Multimedia Broadcasting (DMB) phones Credit card payment method using a mobile terminal, characterized in that at least one of. The method of claim 1, The merchant terminal may be a wired / wireless terminal for credit card payment, a computer terminal with Internet access, a PSTN terminal, VoIP, SIP, Megaco, PDA (Personal Digital Assistant), cellular phone, PCS (Personal Communication Service) phone, handheld PC (Hand) -Held PC), CDMA-2000 (1X, 3X) phones, Wideband CDMA (WCDMA) phones, Dual Band / Dual Mode phones, Global Standard for Mobile (GSM) phones, Mobile Broadband System A credit card payment method using a mobile terminal, characterized in that at least one of the phone, and satellite / terrestrial DMB (Digital Multimedia Broadcasting) phone. A computer-readable recording medium in which a program for executing at least one of claims 1 to 12 is recorded. In a system for processing a credit card payment using a mobile terminal, A payment request processor configured to transmit the terminal identification information of the buyer's mobile terminal and payment amount information for the payment from a merchant terminal to a payment broker server; A response signal processor for transmitting a payment request message from the payment broker server to the mobile terminal and receiving a payment confirmation message in response to the payment request message from the mobile terminal; And Payment processing unit for processing to request the payment by transmitting the payment amount information from the payment broker server to the card company server Credit card payment system using a mobile terminal, characterized in that it comprises a. The method of claim 14, The response signal processor, Process the credit card information to be transmitted from the mobile terminal to the payment broker server; The payment processing unit credit card payment system using a mobile terminal, characterized in that for requesting payment by transmitting the credit card information and the payment amount information. The method of claim 14, The payment processing unit, The credit using the mobile terminal, characterized in that for confirming the credit card information from the card information management server that stores the credit card information for the buyer, and transmits the confirmed credit card information and the payment amount information Card payment system. The method according to claim 15 or 16, The payment processing unit, The credit card information is transmitted from the payment broker server to the card company server, and an authentication request is made. When the credit card information is authenticated, the credit card information and the payment amount information are transmitted from the payment broker server to the card company server. The credit card using the mobile terminal, characterized in that the transmission request for approval, if the payment is approved in accordance with the approval request, the payment intermediary server receives the payment completion signal from the card company server to provide to the merchant terminal. Payment system. The method of claim 14, The payment processing unit, If the payment is approved according to the requested payment processing, credit card payment system using a mobile terminal, characterized in that for transmitting the payment completion signal received from the card company server from the payment broker server to the mobile terminal. The method of claim 14, Terminal identification information processing unit for transmitting the terminal identification information for payment from the mobile terminal of the buyer to the merchant terminal Credit card payment system using a mobile terminal, characterized in that it further comprises. The method of claim 19, The terminal identification information processing unit, The mobile terminal makes a purchase request to the affiliated store terminal, requests the terminal identification information for payment from the affiliated store terminal to the mobile terminal in response to the purchase request, and responds to the request of the terminal identification information. Credit card payment system using a mobile terminal, characterized in that for processing to transmit the terminal identification information to a merchant terminal. The method of claim 14, Authentication processor for authenticating the mobile terminal by transmitting the terminal identification information from the payment broker server to the mobile carrier server Credit card payment system using a mobile terminal, characterized in that it further comprises.
KR1020070035231A 2007-04-10 2007-04-10 Method and system for processing payment of credit card using by mobile terminal KR20080096721A (en)

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Cited By (6)

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WO2010090466A2 (en) * 2009-02-04 2010-08-12 Kwon Sun Tae Payment data processing system
WO2010093770A3 (en) * 2009-02-14 2010-12-02 Net2Text Limited Secure payment and billing method using mobile phone number or account
US8522021B2 (en) 2010-04-30 2013-08-27 Hewlett-Packard Development Company, L.P. Communication channel of a device
US8725579B2 (en) 2010-04-30 2014-05-13 Qualcomm Incorporated Device ID and financial information
KR20170006297A (en) 2016-11-17 2017-01-17 주식회사 한국스마트카드 Payment card, mediation server and offline payment systems of online payment means using the same
KR20170006304A (en) 2015-07-07 2017-01-18 주식회사 한국스마트카드 Payment card, mediation server and offline payment systems of online payment means using the same

Cited By (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2010090466A2 (en) * 2009-02-04 2010-08-12 Kwon Sun Tae Payment data processing system
WO2010090466A3 (en) * 2009-02-04 2010-11-11 Kwon Sun Tae Payment data processing system
AU2010213767B2 (en) * 2009-02-14 2014-04-03 Net2Text Limited Secure payment and billing method using mobile phone number or account
CN102317963A (en) * 2009-02-14 2012-01-11 网络文本有限公司 Secure payment and billing method using mobile phone number or account
US8682792B2 (en) 2009-02-14 2014-03-25 Net2Text Ltd Secure payment and billing method using mobile phone number or account
WO2010093770A3 (en) * 2009-02-14 2010-12-02 Net2Text Limited Secure payment and billing method using mobile phone number or account
AU2014203475B2 (en) * 2009-02-14 2015-10-29 Net2Text Limited Secure payment and billing method using mobile phone number or account
EA022027B1 (en) * 2009-02-14 2015-10-30 Нет2Текст Лимитед Secure payment and billing method using mobile phone number or account
CN105205655A (en) * 2009-02-14 2015-12-30 网络文本有限公司 Secure payment and billing method using mobile phone number or account
US11232428B2 (en) 2009-02-14 2022-01-25 Boloro Global Limited System for securing user information by employing phone number and personal identification number
US8522021B2 (en) 2010-04-30 2013-08-27 Hewlett-Packard Development Company, L.P. Communication channel of a device
US8725579B2 (en) 2010-04-30 2014-05-13 Qualcomm Incorporated Device ID and financial information
KR20170006304A (en) 2015-07-07 2017-01-18 주식회사 한국스마트카드 Payment card, mediation server and offline payment systems of online payment means using the same
KR20170006297A (en) 2016-11-17 2017-01-17 주식회사 한국스마트카드 Payment card, mediation server and offline payment systems of online payment means using the same

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