KR20100034684A - Relay system for a card settlement and terminal apparatus thereof - Google Patents

Abstract

PURPOSE: A relay system for card payment and a terminal apparatus thereof are provided to conveniently perform all actions about direct card payment through one's communication terminal, thereby preventing various damages due to exposure of card information in advance. CONSTITUTION: A member store information receiver(310) receives member store identification information from a buyer terminal. A member store information transmitter(320) transmits detailed information of a member store to the buyer terminal. A card information receiver(340) receives card information from the buyer terminal. A card authentication request processor(350) transmits card payment information and card user authentication information in the card information to a card company server. A payment result notification unit(360) transmits a payment authentication result to the buyer terminal.

Description

Card payment relay system and a card payment terminal device used therein

The present invention relates to a card payment system, and more particularly, to a card payment relay system using a personal mobile communication terminal such as a mobile phone and a card payment terminal device used therein.

In 2007, the average daily use of credit cards reached 951 million, and the amount of use of credit cards is increasing explosively, reaching an average of KRW 1.1 trillion.

The increase in the number of credit card usage is due to the diversified usage environment. In other words, what has been used only in stores equipped with credit card terminals is that today, the system has been established that can be used conveniently online, card holders can use the credit card anywhere online and offline conveniently It became.

As the usage environment of credit cards is diversified, the damage cases also appear in various forms. The most common damage cases are due to the loss of the card offline, and damage cases in which card information is exposed to third parties when using credit cards online are also introduced as advanced damage cases.

More specifically, with the development of technology, various hacking technologies, for example keyboard hacking technologies, have been developed. These keyboard hacking technologies are used to infiltrate card users' computer terminals and hack card numbers and passwords. Since the hacked information is used for small payments that do not require identity verification, credit card holders are inadvertently harmed.

Another example of damage is to steal the card user's access information (ID and password), access the homepage of the shopping mall payment agency (PG), read the credit information, combine and complete 16 digits of the card number, and then use the vulnerability of the credit card payment system. The damage case of charging and withdrawing cyber money by using it is also introduced.

A common cause of the damage cases exemplified above is that information such as a card number is exposed to a third party or stored and managed in a third party's system. Therefore, if the card payment can be made without providing the card information to the third party, it will be possible to prevent the above-mentioned damages in advance.

Furthermore, delivery and door-to-door vendors support card payment services using remote payment methods due to the nature of their business. In this case, in order to facilitate the payment of consumers, the remote payment means should be provided to each delivery person or visiting seller. Therefore, if the introduction of the system that can be made card payment without the remote payment means will be able to reduce the operating cost.

The present invention was devised to solve the above problems in the above background, and the card payment relay using a mobile communication terminal that the consumer can directly perform the self-payment to minimize the damage caused by the provision or exposure of card information The purpose is to provide a system.

Furthermore, the present invention provides a card payment relay system using a mobile communication terminal which allows consumers to conveniently and directly pay by themselves without having to use a credit card wire / wireless inquiry machine owned by a merchant.

Other objects and advantages of the present invention will be described below and will be appreciated by the embodiments of the present invention. In addition, the objects and advantages of the present invention can be realized by the configuration and combination of configurations shown in the claims.

Card payment relay system of the present invention for achieving the above object is a merchant information receiving unit for receiving the merchant identification information from the buyer terminal which is the buyer's mobile communication terminal used for card payment; A database storing detailed information of affiliated stores; An affiliated store information transmitter configured to read detailed information of the affiliated store corresponding to the transmitted affiliated store identification information from the database and transmit the readed information to the purchaser terminal; A card information receiver for receiving card information from the buyer terminal; A card approval request processing unit which transmits card payment information and card user authentication information including the card information to a card company server to request payment approval and receive a result of the payment approval; And a payment result notification unit for transmitting the payment approval result to the purchaser terminal.

In addition, the payment result notification unit of the present invention may be configured to additionally transmit the card approval result to a communication terminal of an external device or a third party (sales person, etc.) designated by the seller, the card approval request processing unit card password Or it is preferably configured to transmit one or more of the mobile terminal identification number as card user authentication information.

Card payment relay system of the present invention for implementing a more preferred embodiment in terms of user convenience and accessibility is connected to a server operating the card payment relay system using the phone number of the buyer terminal input from the merchant Further comprising a control unit for requesting a URL call back SMS to the mobile communication server to be transmitted to the buyer terminal, the merchant information receiving unit through the connection by the UL callback SM of the buyer terminal It is configured to receive the identification information.

On the other hand, the card payment terminal device used in the card payment relay system according to another aspect of the present invention includes a receiving unit for receiving a payment approval result including the card payment information from the card payment relay system; And an output unit for outputting a card transaction slip of the affiliated store to the buyer using the transmitted payment approval result.

In addition, the card payment terminal device according to the present invention comprises an input unit for receiving the telephone number of the buyer terminal; And a transmission request unit for transmitting the input telephone number of the purchaser terminal and the URL call back SMS request signal to the card payment relay system.

According to the present invention, a user who wants to perform a card transaction without performing a card transaction through mediation of credit information, such as receiving and processing card information of an affiliate store (including an online sales server) that provides goods or services, may use the communication terminal. Through the direct and convenient conduct of any action on the card transaction can be carried out conveniently, the card payment can be made without providing the card information to third parties, such as merchants, as a result is not limited in space and time In addition to performing user-oriented card transactions by the ubiquitous environment, it is possible to create an effect that can prevent various damages caused by exposure of card information in advance.

In addition, when the card payment according to the present invention is made, the user (buyer) can be connected to the relay system server according to the present invention by using a URL callback SMS (URL callback SMS) to further access and ease of use of the user Can be promoted.

Furthermore, the present invention eliminates the need for payment terminals that need to be distributed to a delivery or visiting sales person because a customer who is a cardholder can perform payment by himself or herself without the help of an affiliated terminal for card payment of an affiliate. Reduce the operating costs for employees to purchase equipment.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Prior to this, terms or words used in the present specification and claims should not be construed as being limited to the common or dictionary meanings, and the inventors should properly explain the concept of terms in order to best explain their own invention. Based on the principle that can be defined, it should be interpreted as meaning and concept corresponding to the technical idea of the present invention.

Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiment of the present invention and do not represent all of the technical idea of the present invention, various modifications that can be replaced at the time of the present application It should be understood that there may be equivalents and variations.

The card described in connection with the embodiment of the present invention is a personal information or credit information or the like so as to perform the purchase of goods or services, financial transactions, registration, etc. using the user's personal information or credit information, etc. Means a card that is ignited in the medium, it should be interpreted as not limited to the name, such as credit card, check card or membership card. In addition, the affiliated store is to be understood as a concept that includes both on-line and off-line as an element representing the subject providing the goods or services.

First, a schematic technical concept of the present invention will be described with reference to FIG. 1, which is a peripheral configuration diagram of a card payment relay system according to an exemplary embodiment of the present invention.

Referring to FIG. 1, a customer who is a card holder obtains the service number and merchant identification information (ID) from an offline merchant such as a shopping mall server 200 or a chicken house, and accesses the card settlement relay system 300. The " service number " refers to a server access number that allows an operator of the card payment relay system 300 to access a relay system server such as a WAP according to the present invention, which is given from a network operator, as in "# 123 ".

The service number or affiliated store identification information may be delivered to the customer through a telephone inquiry, and may also be exposed to the customer through an online or offline advertisement or guide.

The card payment relay system 300 accesses merchant information corresponding to the merchant identification information transmitted by the buyer terminal 100, which is the buyer's mobile communication terminal used for card payment, from the DB to the buyer terminal 100. Providing so that the buyer can verify that the merchant entered by the buyer is correct.

When the affiliated store check is completed as described above, the card information (including at least the card number, transaction amount, the number of installment months) is received from the terminal 100 providing the affiliated store information and the card company server 400 with the user authentication information. Send card request for authorization.

The user authentication information may be any one of a card password and a mobile terminal identification information (CID). If the mobile terminal identification information is used as the user authentication information, there is no need to request additional information from the mobile terminal user, but if the card password is used as the user authentication information, the transmission of the card password is required as part of the card information. do.

Thereafter, the card payment relay system 300 receives the card approval result from the card company server 400 and transmits the result of the card approval to the mobile communication terminal 100 or the product sales affiliated store or sales employee who requested the card payment.

As a transfer method, the card approval result may be transmitted to the mobile communication terminal 100 in the connection maintenance state, or may be transmitted through a text message transmission in the connection release state. Of course, in addition to the card company server 400 or in parallel with the card payment relay system may transmit the card approval result to the communication terminal 100 of the card holder in the form of SMS.

As described with reference to FIG. 1, the card payment relay system according to the present invention basically does not perform a special procedure for a credit card transaction such as a merchant occupying a credit card or storing credit card information in relation to a card transaction. It is configured so that card payment is made without.

That is, a buyer can perform a card payment using his mobile terminal at home, without visiting a real merchant, etc., thereby increasing user convenience and personal information, card information, or credit information required for approval of a card transaction. It is transmitted without passing through merchants, so it is possible to prevent illegal use of diverse and wide range of credit cards due to exposure or seizure of personal information, so that both convenience of transaction and stability of transaction can be efficiently satisfied. The system can be implemented.

Hereinafter, the configuration of the card payment relay system 300 according to an embodiment of the present invention will be described in detail with reference to FIG. 2.

The card payment relay system 300 according to the present invention includes an affiliate store information receiver 310 for receiving affiliate store identification information from the mobile communication terminal 100 of the card holder, and a database (DB) for storing detailed information of the affiliate store. 330 and the affiliated store information transmitter 320 for transmitting the received detailed information of the affiliated store to the mobile communication terminal 100.

The affiliated store identification information has a form such as '* 123456' and is the information assigned to each affiliated store by the administrator of the card payment relay system 300. Such merchant identification information (ID) may be delivered to the cardholder via a wired or wireless call or provided on a web page.

In addition, the salesperson identification information may be further added to the affiliated store identification information. That is, if the affiliated store identification information is '* 123456 * 8', '* 123456' is affiliated store identification information, and '* 8' is salesperson identification information. Salesperson identification information can be useful for aggregating performance by salesperson. Such salesperson identification information is usefully used in the payment result notification unit 360 to be described later.

That is, the payment result notification unit 360 may specify an external device (such as a merchant operating terminal or a shopping mall operating server) or a third party terminal designated by the seller together with a card approval result to be described later with the salesperson identification information added to the merchant identification information. Additional sales to the salesperson terminal).

Merchant detailed information may include information such as merchant name, address, seller, etc. as shown in (b) of FIG. 4 by way of example, the card owner performing a card transaction, the information of the company that he wants to purchase the actual goods, etc. It may include a variety of information to confirm.

In addition to the above configuration, the card payment relay system 300 sends the card user authentication information to the card company server 400 together with the card information receiving unit 340 for receiving the card information from the terminal 100 and the card payment information included in the card information. It further includes a card approval request processing unit 350 for transmitting the authorization request and receiving the result, and a payment result notification unit 360 for transmitting the card approval result, that is, the payment result to the terminal 100. As described above, the payment result notification unit 360 transmits to the affiliated store operating terminal together with the card approval payment result when the salesperson identification information is added to the affiliated store identification information.

As described above, the card information includes at least a card number, an installment month number and a transaction amount as illustrated in (c) of FIG. 4, and may further include a card password as necessary. The card payment information including the card information is a concept including the card information and the merchant identification information (ID).

According to the system implementation method, card payment information or user authentication information transmitted to the card company server 400 is preferably transmitted after being encrypted. In addition, the payment result notification unit 360 may transmit the card approval payment result to the customer terminal 100 as shown in FIG.

3 and 4 will be described in detail the process of the cardholder himself self-payment process using his terminal.

First, FIG. 3 illustrates a card payment relay flowchart according to an embodiment of the present invention, and FIG. 4 illustrates a screen displayed on a mobile communication terminal 100 of a customer who is a card user in the card payment relay process illustrated in FIG. It is.

Referring first to Figure 3, the customer who is the card owner calls the affiliated stores that want to purchase or service the goods through a telephone or the like to express the purchase of goods or request a service order (① step). In this regard, the merchant side notifies the service number (# 123) and the merchant identification information (ID) (* 123456) for payment according to the present invention through a series of consultation process (step ②).

Then, the customer who is the card holder inputs the service number (# 123) and the merchant identification information (ID) provided to his terminal 100 (③) and attempts a call (connection). The mobile communication terminal 100 and the card payment relay system 300 of the customer are connected by the service number # 123, and the merchant information receiving unit 310 of the card payment relay system 300 is terminal identification information (ID). Receives and receives the merchant identification information (ID) (step ④).

The affiliated store information transmitter 320 of the card payment relay system 300 accesses the affiliated store information having the received affiliated store identification information (ID) from the database 330 and transmits it to the connected terminal 100 (step ⑤). At this time, the affiliated store information displayed on the terminal 100 is as shown in (b) of FIG. 4, and through this screen, the cardholder can once again check the information of the affiliated store that he has called to purchase goods.

When the confirmation of the affiliated store is completed as described above and a confirmation signal is input from the buyer, an interface window for inputting card information and the like for card transaction is output as shown in (c) of FIG. 4. As described above, if the card user authentication is a system consisting of a card password, the screen for FIG. 4 (c) is configured to additionally output a field for inputting the card password.

When the customer who is the card holder enters at least the transaction amount, the installment month number, the card number, and presses the confirmation button through the card information input screen as shown in FIG. 4C, the card information input to the card payment relay system 300 is input. Is transmitted (step ⑥).

The card information is received through the card information receiving unit 340 of the card payment relay system 300 and transferred to the card approval request processing unit 350. The card approval request processor 350 transmits the card payment information including the received card information and the affiliated store information and the terminal identification information (CID), which is the user authentication information, to the card company server 400 (step ⑦) to request the card approval.

The card company server 400 authenticates the card holder through a process of comparing the card owner's phone number or password pre-registered by the card owner with the received terminal identification information (CID) or password, and authenticates the card payment information. Accept card transaction.

After that, the card approval processing result is transmitted to the card payment relay system 300 (step ⑧), and the card payment relay system 300 transmits the card approval process result to the customer mobile communication terminal 100 which is the connected owner of the card. Send information about Accordingly, the screen as shown in (d) of FIG. 4 is displayed on the display unit of the terminal 100 of the customer, so that the customer can confirm that the self payment has been made safely.

In addition, the card payment relay system 300 also notifies the merchant or the salesperson's terminal designated by the merchant or the seller of the payment result, which is the result of the card approval, so that the merchant or the salesperson can check that the payment for the service provision was normally performed. .

In addition, if the salesperson identification information is added to the affiliated store identification information, the payment result notification unit 360 adds the salesperson identification information added to the merchant identification information to the merchant operating terminal or the operator communication terminal designated by the seller with the card approval result. Because of the transmission, it is also possible to easily add up the sales results for each sales person.

FIG. 5 is a flowchart illustrating a card payment relay according to another embodiment of the present invention. In comparison with the embodiment illustrated in FIG. 3, the same or corresponding configuration and process except that an affiliate store is replaced with an Internet shopping mall is illustrated. Is made of.

For example, when purchasing a product through an Internet shopping mall, when the customer himself performs the card self payment by the method described in FIG. It is delivered to the Internet shopping mall (step ⑨).

That is, when the customer requests the purchase of goods through the Internet shopping mall, the customer performs the self payment as described above by providing the merchant identification information, and the card payment relay system 300 receives the card approval information obtained by performing the self payment. The purchase process is completed by transmitting to the Internet shopping mall server.

In the above model, the card holder directly inputs and transmits the information and card information of the merchant to use the card through the communication terminal, and the card payment relay system transmits the card payment information including the received card information and the merchant information to the terminal identification information. By transmitting together to the card company server, it is possible to obtain a result that the card payment can be made without providing the card information to the third party. This means that the customer's own terminal acts as the seller's CAT terminal.

Hereinafter, another preferred embodiment of the present invention will be described in detail with reference to FIGS. 6 and 7.

In connection with the embodiment of the present invention illustrated in FIGS. 6 and 7, the matters to which the above-described embodiments may be applied or applied mutatis mutandis are replaced with the details described above in order to increase the convenience and efficiency of understanding. Only the main points of the embodiment will be described.

In the relay system 300 according to the embodiment of the present invention, as shown in FIG. 6, the affiliate information receiving unit 310, the affiliate store information transmitting unit 320, the database 330, the card information receiving unit 340, and the card approval request are provided. It may be configured to include a processor 350, payment result notification unit 360 and the control unit 390.

The present invention proposes a configuration to further increase the accessibility and ease of use of the card transaction according to the present invention by further increasing the ease of use associated with the user's (purchaser's) card payment.

The above embodiment is configured for the buyer to effectively connect the relay system according to the present invention to the relay system server of the present invention without having to rely heavily on the mounting and driving of a virtual machine or a connection-only program or application. As an example, a URL callback SMS is sent to a mobile communication terminal of a buyer who wants to purchase an item or service, and through this, the buyer is easily connected to the relay system server.

Referring to the series of processes related to the configuration in detail with reference to Figure 7, first, as described in detail above, the buyer who wants to perform the card payment according to the present invention is a person who provides goods, services, services (hereinafter referred to as a seller) To purchase the item using wired or wireless communication.

In this process, after confirming the purchase intention from the buyer, the seller may secure the telephone number of the buyer's mobile communication terminal to be used for payment of the card through electronic means such as calling party number display or by contacting the buyer.

When the delivery and confirmation process of the purchase intention of goods is completed, the seller transmits the Ull callback SM to the phone number of the acquired purchaser terminal through the merchant-only terminal 500 used in the card payment method according to the present invention. The request signal is transmitted to the relay system 300 of the present invention (S100).

When the request signal is received by the control unit 390 of the relay system 300, the control unit 390 requests the mobile carrier server 600 to the telephone number of the buyer terminal 100 relay system server 300 of the present invention Request to send a UL call back SM can be connected to the) (S105).

As described above, the UL callback SM includes a server access code, and when the UL callback SM is transmitted to the terminal 100 of the purchaser by the carrier server 600 (S110), the buyer Is connected to the server of the present invention linked to the UL callback SM only by checking the selection of the UL call back SM (S115).

The specific configuration or specification (spec) or protocol (protocol) of the UEL callback SM is not the main technical matters of the present invention, the configuration is obvious to those skilled in the art, so the detailed description thereof will be omitted. .

As such, when the connection between the relay system server 300 and the purchaser terminal 100 of the present invention is made through the media of the ULC callback SM, as described above, the purchaser intends to make a transaction through the purchaser terminal 100. The affiliated store identification information is transmitted (S120).

In relation to the above process, the purchaser terminal 100 outputs a predetermined input interface window through a GUI (Graphic User Interface) to the screen display means of the purchaser terminal, and displays the affiliated store identification information through the output input interface window. After receiving the input, it is preferable to increase the user convenience by configuring the inputted merchant identification information to be transmitted to the relay system 300.

When the affiliated store identification information is input to the affiliated store information receiving unit 310 of the relay system 300 as described above, the affiliated store information transmitting unit 320 of the relay system 300 is configured to store data about the encoded affiliated store identification information and detailed information of the affiliated store. Parsing the information stored in the established database 330 detects or reads detailed information of the affiliate store corresponding to the transmitted affiliate store identification information (S125).

The detailed information of the affiliated store read as described above is transmitted to the purchaser terminal 100 (S130), through which the buyer can check whether the affiliated store is correct. In the subsequent process of the above process, the purchaser inputs information used for card payment to the purchaser terminal 100, and the information about the input card payment is transmitted to the card information receiving unit 340 of the relay system 300. (S135).

The card payment information may include information by various combinations of information such as a credit card number, an effective date, a unique identification code required for user authentication, a transaction target item (service) information, a transaction price, and an installment month.

On the other hand, the information about the price of the goods can be entered by the buyer himself, of course, but in this case, there is a possibility that the information about the price, which is one of the main factors in the card payment, is incorrectly entered, and the process of correcting or reconfirming The inherent nature of the card transaction can result in process complexity, processing time delays, and the like.

In this regard, the seller can secure the goods and the price information of the goods for the purchased goods or services in the process of confirming the purchase intention from the buyer, and through the merchant payment terminal device 500, etc. When the information is configured to be transmitted to the control unit 390 of the relay system 300, and the merchant information transmitting unit 320 is configured to additionally transmit the price information to the purchaser terminal 100, the purchaser terminal pays the card. When information about is input, it is more preferable that the price information is configured to pop up to the user as a default value or to be provided in advance as price information.

Through the above configuration, whether the pop-up or pre-provided price information matches the price information recognized by the buyer in the purchase intention confirmation process can be accurately identified and thus more reliable card payment can be performed.

When the information on the card payment is transmitted from the buyer terminal 100 to the card information receiving unit 340 of the relay system 300 as described above (S135), the card of the relay system 300 as described in detail in the previous embodiment The approval request processing unit 350 may perform a subsequent process such as requesting the card company server 400 for approval of the card payment.

In this regard, prior to performing the process for approving the card transaction in a way to further increase the safety of credit card transactions, it may be configured to additionally authenticate the owner of the buyer terminal (100).

In order to realize the configuration of the real owner authentication, first, the portable terminal information and the social security number to be used for the transaction in the member registration process are configured to be stored in association with each other. Since the associated information is stored as described above, when information on a card transaction is input from the buyer terminal 100 as described above, the resident registration number associated with the telephone number of the buyer terminal 100 and the buyer terminal The card approval request processing unit 350 of the relay system transmits the information to the mobile carrier server 600 and requests authentication of the actual owner of the mobile terminal (S140).

The information on the purchaser terminal may include a purchaser terminal phone number or information identifying a communication company. Of course, the information on the social security number may be used as the information on the social security number input from the purchaser terminal 100.

In response to the authentication request, when the authentication result is transmitted from the mobile phone server 600 to the card approval request processing unit 350 (S145), the authentication result is checked (S150). The payment result notification unit 360 of the relay system 300 is transmitted to the purchaser terminal 100 (S155), if the actual owner authentication through the mobile carrier server 600 is successful, the card approval request processing unit ( 350 transmits information on card payment, merchant information, and user authentication information input from the purchaser terminal 100 to the card company server 400 to request approval for a credit card transaction (S160).

If the card payment approval result is transmitted from the card company server 400 to the card approval request processing unit 350 (S165) in response to the request for approval of the credit card transaction (S160), the determination is determined (S170). In the case of the payment result notification unit 360 of the relay system 300 transmits the guidance information for this (S175), if approved the approval result information buyer terminal 100 or preferably merchant payment terminal device 500 (S180, S185).

When the approval result information is transmitted to the merchant payment terminal 500 as described above, it is possible to configure to output a slip (S190) for the card payment using the approval result information. Not only the above documents but also raw data for proof of credit card payment can be stored on the seller's own side, etc., as well as delivered to customers if requested by the customer (buyer). have.

Hereinafter, a detailed configuration of the card payment terminal device 500 of the affiliate store used in the card payment relay system according to the embodiment of the present invention will be described with reference to FIG. 8. First, the merchant payment terminal device 500 will be described. May include an input unit 510, a transmission requesting unit 520, a receiving unit 530, and an output unit 540.

The input unit 510 is configured to receive information of a buyer terminal to which the UL callback SM is to be transmitted in relation to the request signal for the UL callback SM described above, and is external to the affiliated payment terminal device 500. It is input via input means, such as a keypad provided in the back.

When the request signal is input from the seller after the input is completed as described above, the transmission request unit 520 of the payment terminal device 500 relays the request signal of the UEL callback SM with the phone number information of the buyer. A function of transmitting to 300 is performed.

The transmission operation of the transmission request unit 520 may be configured such that the seller only presses a hot key or a shortcut button provided on the outside of the payment terminal 500.

In addition, when the wired / wireless communication means (not shown) of the affiliate store where the purchase intention with the buyer is performed is configured to be connected to the payment terminal device 500 by wire or wireless, the input unit 510 applies the caller ID tracking function. Since the telephone number of the buyer terminal can be automatically input, it is more preferable because the seller does not need to directly enter the telephone number of the buyer terminal through the keypad means.

In addition, as described in detail above, payment information such as goods or services (services) that are subject to a card transaction may also be transmitted to the relay system 300 through the transmission request unit 520, and the transmission request unit When data or information is transmitted from the affiliated store payment terminal device 500 to the relay system 300 through 520 or the like, a unique identification code for identifying the affiliated store or the affiliated store payment terminal device 500 is transmitted together. Of course it can be.

In addition, the receiving unit 530 of the payment terminal 500 receives the card transaction payment result from the relay system server 300, and the card transaction payment result received through the receiving unit 530 of the payment terminal 500. The back is input to the output unit 540 of the payment terminal device 500, and is configured such that the contents of the payment result and the like are output in the form of slips by driving a predetermined factor or a printing means.

The transaction method and merchant payment terminal 500 according to the present invention described above will have a fundamental difference from the conventional method and terminal of payment processing according to the use of a credit card.

Looking at the conventional method of performing a credit card transaction briefly, the process of reading the magnetic or IC information of the customer credit card, the process of transmitting the read information and the unique number of the merchant card terminal to the VAN company, such as the transmitted information If the card is approved, the process includes receiving approval information and printing the credit card transaction result on the voucher after the approval is made. The merchant card terminal is main in all the processes from the beginning and the end of the credit card transaction. It is performed as a subject.

In the above process, the customer only provides the card to the salesperson of the affiliated store, and although the agent is the agent of the transaction, the terminal does not perform the subjective act of the card transaction, and the terminal handles all the processes. Therefore, as described above, if the merchant terminal that performs the above functions does not exist in any form, the credit card transaction is not performed, and in this process, the customer becomes a neighbor.

The main reason for problems such as illegal card duplication, information leakage, etc., which are commonly found in valet parking, gas stations, etc., is due to the transfer of the customer's credit card from the customer to the salesperson. This is because it is impossible for the transferred customer (user) to detect or prevent various illegal acts that occur while the possession is transferred.

However, the method according to the present invention and the merchant terminal device used therein are configured such that the merchant terminal representing the third party is not involved at all in the process of credit card transaction.

As shown in FIG. 9, the present invention is a process of starting and ending credit card transaction processing (“A” in FIG. 9) only by the purchaser terminal 100, the relay system 300, and the credit card server 400. Performed by the actor, in this process, the merchant terminal may be configured not to perform any processing.

As shown in FIG. 9, in the card payment terminal device 500 according to the present invention, all processing for credit card transactions is completed, and the processing result data is transmitted from the relay system 300 to the merchant card payment terminal device 500. Later, the slip is printed in terms of customer convenience and the use of supporting data.

In order to further highlight the above characteristics of the present invention, FIG. 9 illustrates a main process of processing for credit card payment, and details are as shown in FIG. 7, and a detailed illustration thereof is omitted.

That is, unlike the merchant terminal device according to the conventional methodology in which the first process of reading a credit card or the like must be performed to perform all the card payment processes and the slip is output, the merchant payment terminal device 500 according to the present invention. Is configured to output the slip even without the above process.

As described above, since the relay system has already secured various information on credit card transactions, including information on the corresponding merchants, through a process such as data transmission and reception between the buyer terminal and the relay system, when the card payment approval is completed, The credit card authorization result and the information on the card payment may be transmitted to the corresponding merchant terminal device.

When the credit card approval result and the corresponding card payment information are received by the affiliated store terminal device according to the present invention, the credit card slip can be output to a predetermined paper medium or the like using the received information. In the above-described preferred embodiment, the configuration for requesting the transmission of the UL callback SM can be added to the merchant card payment terminal 500 of the present invention.

The card payment relay system of the present invention described in detail as described above can set only the buyer and the card company (the concept including the card relay) as the main agent of the card transaction, and sell goods or services through the transaction. The seller side can prevent the various personal and credit information necessary for the credit card transaction from being stored in the form of data information even temporarily or in the short term, and can be configured such that the possession is not transferred so that the card cannot be held.

Through the configuration of the present invention, the market utilization and profits of credit card transactions are enjoyed as they are, and at the same time, the sales of "buyers", goods, or services that are intended to prevent fraudulent or unfair use through the leakage of personal information are promoted, resulting in economic benefits. It is possible to meet the market demands and needs of both the "seller" who wishes to achieve and the credit card acts of the "card company" who wishes to reliably realize the credit card transactions between the buyer and the seller.

As described above, the card payment relay system 300 and the merchant payment terminal 500 according to the present invention have been described in detail, but the card payment relay system 300 and the card payment terminal 500 used therein according to the present invention. Each configuration of) should be understood as logically divided components rather than physically separated components.

That is, since each configuration corresponds to logically divided components to realize the technical idea of the present invention, even if each component is integrated or separated, the present invention can realize the function performed by the logical configuration of the present invention. It should be interpreted that it is within the scope of.

Although the present invention has been described above by means of limited embodiments and drawings, the present invention is not limited thereto and will be described below by the person skilled in the art to which the present invention pertains. Of course, various modifications and variations are possible within the scope of the claims.

The following drawings, which are attached to this specification, illustrate exemplary embodiments of the present invention, and together with the detailed description of the present invention serve to further understand the technical spirit of the present invention, the present invention includes matters described in such drawings. It should not be construed as limited to.

1 is an exemplary configuration around a card payment relay system according to an embodiment of the present invention;

2 is an exemplary block diagram of a card payment relay system according to an embodiment of the present invention;

3 is an exemplary card payment relay flow according to an embodiment of the present invention,

4 is an exemplary screen displayed on a mobile communication terminal of a customer who is a card user in the card payment relay process illustrated in FIG.

5 is an exemplary card payment relay flow according to another embodiment of the present invention;

6 is a block diagram showing the configuration of a card payment relay system according to another preferred embodiment of the present invention;

7 is a flowchart illustrating a process for a card payment relay method according to another preferred embodiment of the present invention;

8 is a block diagram showing a configuration of a card payment terminal device of an affiliated store according to the present invention;

9 is a diagram illustrating a process of performing a card payment terminal device of an affiliated store according to the present invention performing an independent process for card payment processing.

Claims (10)

An affiliated store information receiver configured to receive affiliated store identification information from a buyer terminal, which is a mobile communication terminal of a buyer, used for card payment; A database (DB) in which detailed information of affiliated stores is stored; An affiliated store information transmitter configured to read detailed information of the affiliated store corresponding to the transmitted affiliated store identification information from the database and transmit the readed information to the purchaser terminal; A card information receiver for receiving card information from the buyer terminal; A card approval request processing unit which transmits card payment information and card user authentication information including the card information to a card company server to request payment approval and receive a result of the payment approval; And Card payment relay system, characterized in that it comprises a payment result notification unit for transmitting the payment approval result to the buyer terminal. The method of claim 1, wherein the payment result notification unit, Card payment relay system, characterized in that for further transmitting the payment approval result to the external device or communication terminal designated by the seller. The method of claim 2, wherein the payment result notification unit, The card payment relay system, characterized in that for additionally transmitting the salesperson identification information added to the card merchant identification information to an external device or communication terminal designated by the seller. The method of claim 1, wherein the card approval request processing unit, Card payment relay system, characterized in that for transmitting at least one of the card password or identification information of the buyer terminal as card user authentication information. The method of claim 1, By using the phone number of the purchaser terminal input from the affiliated store, requesting to the mobile communication server to send a URL call back SMS (URL call back SMS) connected to the server operating the card payment relay system to the purchaser terminal Further comprising a control unit, The affiliated store information receiving unit, Card payment relay system, characterized in that for receiving the merchant identification information through the connection of the buyer terminal of the EL call back SM. The method of claim 5, wherein the control unit, Receive more information about the card payment price from the merchant, The affiliated store information transmission unit, Card payment relay system, characterized in that further transmitting the information on the card payment price input from the merchant to the buyer terminal. The method of claim 1, wherein the card approval request processing unit, The information on the purchaser terminal and the resident registration number input from the purchaser terminal or resident registration number stored in association with the phone number of the purchaser terminal is transmitted to the communication company server to request authentication, and payment is made to the card company server only. Card payment relay system, characterized in that for requesting approval. Merchant information receiving unit for receiving the merchant identification information from the buyer terminal, which is the buyer's mobile communication terminal used for card payment, and reads detailed information of the merchant corresponding to the transmitted merchant identification information from a database in which detailed information of the merchant is stored. Merchant store information transmission unit for transmitting to the terminal, the card information receiving unit for receiving the card information from the buyer terminal, the card payment information and the card user authentication information including the card information to the card company server to request payment approval and the payment approval Card of the merchant that can communicate with the card payment relay system including a card approval request processing unit for receiving a result and a payment result notification unit for transmitting the payment approval result to the card payment terminal device of the merchant corresponding to the buyer terminal and the merchant identification information Payment terminal Standing, A receiving unit receiving a payment approval result including the card payment information from the card payment relay system; And Card payment terminal device characterized in that it comprises an output unit for outputting the card transaction slip of the merchant to the buyer using the result of the payment approval. According to claim 8, The card payment relay system, By using the phone number of the purchaser terminal input from the affiliated store, requesting to the mobile communication server to send a URL call back SMS (URL call back SMS) connected to the server operating the card payment relay system to the purchaser terminal Further comprising a control unit, An input unit for receiving a phone number of the buyer terminal; And And a transmission request unit for transmitting the input telephone number of the purchaser terminal and the URL call back SMS request signal to the relay system. The method of claim 9, wherein the transmission request unit, And the card payment terminal further transmits information on the card payment price to the card payment relay system so that the merchant information transmitter of the card payment relay system transmits the information on the card payment price to the buyer terminal.

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