KR20100131413A - Payment method of mobile card, including credit card payment function, check card payment function and prepaid card payment function - Google Patents

Payment method of mobile card, including credit card payment function, check card payment function and prepaid card payment function Download PDF

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Publication number
KR20100131413A
KR20100131413A KR1020100118934A KR20100118934A KR20100131413A KR 20100131413 A KR20100131413 A KR 20100131413A KR 1020100118934 A KR1020100118934 A KR 1020100118934A KR 20100118934 A KR20100118934 A KR 20100118934A KR 20100131413 A KR20100131413 A KR 20100131413A
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South Korea
Prior art keywords
card
payment
amount
card payment
mobile
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KR1020100118934A
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Korean (ko)
Inventor
김영주
박재관
이은호
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주식회사 한국스마트카드
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Priority to KR1020100118934A priority Critical patent/KR20100131413A/en
Publication of KR20100131413A publication Critical patent/KR20100131413A/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
    • G06Q20/22—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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

PURPOSE: A payment method of a mobile card including a credit card payment function, a check card payment function, a prepaid card payment function is provided to conveniently select a payment method by a request of a client or a payment condition through the mobile card. CONSTITUTION: A mobile card(100) performs payment through a credit card payment function, a check card payment function, and a pre-paid card payment function by a request of a terminal(102). The terminal requests the payment. A pre-paid card company server(106) requests the approval for a requested cost amount of the mobile card to a credit card company server(104) or accepts the approval.

Description

Payment method of mobile card including credit card payment function, check card payment function and prepaid card payment function {Payment method of mobile card, including credit card payment function, check card payment function and prepaid card payment function}

The present invention relates to a mobile card including a credit card payment function, a check card payment function and a prepaid card payment function, and more particularly, to a payment method using a mobile card.

In the past, cash was mainly used as a payment method for goods or services. However, as the credit society entered, the use of credit cards increased rapidly.

A credit card is a plastic identification card issued by a bank or a large store. It allows you to postpone payments for goods or services, or to withdraw cash from a cash dispenser (CD). The card holder's identification information, password, and the like are stored in the magnetic strip of the card. Credit card merchants access the main computer of the credit card issuing company online through a credit check terminal (CAT) to check the credit card usage limit, account / deposit balance, and validity to allow postpay payment. The bank's CD reads the credit card information to verify the credit card holder's account details and pay cash. Prepaid cards can be used to pay for goods or services. A prepaid card is a card that can be used at a prepaid card merchant after the card is charged.

Prepaid cards are usually given discounts in exchange for prepaid payments, which are often used in industries with high frequency of small cash sales. It features features such as prepaid, variability in use value, anonymity, simplicity of portability, simplicity of use and economical efficiency. The public prepaid cards in Korea, such as public telephone cards and regular subway tickets, are the main examples. As described above, various payment related services are required to efficiently use various payment means and provide more convenient services.

The technical problem to be achieved by the present invention is to provide a method for efficiently using a variety of payment means, such as cash, credit cards, check cards, prepaid cards to meet the needs of various payment means services.

Another object of the present invention is to provide an efficient payment method using a mobile card including a credit card function, a check card function and a prepaid card function.

Another technical problem to be achieved by the present invention is to provide a method of always paying a transaction amount using a prepaid card function when the amount is less than the set amount.

In order to provide the various payment-related services described above, the present invention provides a mobile card including at least two payment functions of a credit card payment function, a check card payment function, and a prepaid card payment function. Receiving a payment request by credit card payment or check card payment or prepaid card payment according to the comparison result, if the transaction request amount is paid by the prepaid card payment function, the amount corresponding to the transaction request amount from the prepaid card company server It proposes a method of performing a payment of a smart card comprising the step of receiving a charge.

In order to provide the various payment-related services described above, the present invention includes at least two payment functions of a credit card payment function, a check card payment function, and a prepaid card payment function, and the transaction request amount requested from the terminal as a prepaid card payment function. A payment control unit for instructing the user to charge the amount corresponding to the transaction request amount from the prepaid card company server, a charging information storage unit for storing the charges received from the prepaid card company server, and the prepaid card company server according to a control command of the controller. A mobile card including a communication unit for performing communication is proposed.

In order to provide the various payment-related services described above, the present invention provides a terminal for requesting payment by either credit card payment, check card payment, or prepaid card payment according to a comparison result of an input transaction request amount and stored payment selection information, and a credit card. It includes at least two payment functions of a payment function, a check card payment function, and a prepaid card payment function, and pays the transaction request amount requested from the terminal with a prepaid card payment function, and prepays the amount corresponding to the transaction request amount. A payment request system including a mobile card charged from a server is proposed.

As described above, according to the present invention, a mobile card including a credit card payment function, a check card payment function, and a prepaid card payment function can be conveniently selected and paid according to a customer's request or payment condition. In addition, by always charging the amount set in the mobile card, the mobile card user can always pay the transaction price using the prepaid card payment function if desired. In other words, when the mobile card is used for prepaid card payment, the mobile device charges the amount corresponding to the transaction price using the wireless network so that the set amount is always charged.

1 is a view showing a payment system according to an embodiment of the present invention,
2 is a view showing the operation of the terminal according to an embodiment of the present invention,
3 illustrates an operation of a mobile card including a prepaid card payment function and a credit card payment function according to an embodiment of the present invention.
4 is another diagram illustrating a payment system according to an embodiment of the present invention.
5 is a block diagram illustrating a configuration of a mobile card including a credit card payment function and a prepaid card payment function according to an embodiment of the present disclosure.
6 is a block diagram illustrating a configuration of a terminal according to an embodiment of the present invention.

The foregoing and further aspects of the present invention will become more apparent through the preferred embodiments described with reference to the accompanying drawings. Hereinafter will be described in detail to enable those skilled in the art to easily understand and reproduce through this embodiment of the present invention.

1 illustrates a payment system including a mobile card 100, a terminal 102, a credit card company server 104, and a prepaid card company server 106 according to an embodiment of the present invention. Hereinafter, the payment system proposed by the present invention will be described with reference to FIG. 1.

The mobile card 100 includes a credit card payment function, a check card payment function, and a prepaid card payment function. That is, the mobile card 100 may perform payment using a credit card payment function, a payment using a check card payment function, or a payment using a prepaid card payment function according to a request of the terminal. . In order to perform the prepaid card payment function, the mobile card 100 charges and stores a predetermined amount from time to time. This will be described later.

The terminal 102 charges for goods or services through communication with the mobile card 100. The terminal 102 may request a payment using a credit card payment function or a check card payment function of the mobile card 100 according to a specific condition, or may request a payment using a prepaid card payment function of the mobile card 100. . For example, the specific condition may include an amount to be paid, a time zone, a day of the week, a selection of a mobile card holder, and the like.

The credit card company server 104 checks the blacklist (B / L) for checking whether the card is lost or not, and the positive list (P / L) for checking whether the card can be used at a predetermined time interval. send.

The prepaid card company server 106 stores the B / L or P / L received from the credit card company server 104. If the prepaid card company server 106 is requested to charge a specific amount from the mobile card 100, the credit card company server 104 requests the approval of the amount. Alternatively, when the prepaid card company server 106 is requested to charge a certain amount from the mobile card 100, the credit card company server 104 requests the credit card company server 104 to approve whether the amount is approved or not, using the stored B / L or P / L. Determine directly whether the amount is approved. That is, the prepaid card company server 106 may request the credit card company server 104 for approval of the specific amount requested from the mobile card 100 or directly perform the approval.

2 is a flowchart illustrating the operation of the terminal 102 according to an embodiment of the present invention. In step S200, the terminal 102 determines the transaction amount. Determination of the transaction amount of the terminal 102 is that when the person providing the goods or services operates a button or other input means of the terminal 102 or a one-time use amount such as a transportation fare, the corresponding amount is preset in the terminal. Is done.

In step S202, the terminal 102 compares whether the transaction request amount is smaller than α. The terminal 102 moves to step S204 if the transaction request amount is less than α, and moves to step S206 if the transaction request amount is not less than α. α is an amount used as a criterion for determining whether the transaction request amount previously stored in the terminal 102 is paid with a credit card or a prepaid card. α can be set in the server managing the credit card company server 104 or the prepaid card company 106 managing the prepaid card or the terminal 102 according to the request of the customer who uses the mobile card 100. Alternatively, if there is no request from the customer, the credit card company server 104 or prepaid card company server 106 may be set arbitrarily.

The terminal 102 requests a prepaid card payment to the mobile card 100 in step S204, and requests a credit card payment to the mobile card 100 in step S206.

2 determines whether the terminal 102 requests payment by a prepaid card or a payment by credit card based on the transaction request amount, but is not limited thereto. The terminal 102 may determine whether to pay with a prepaid card or a credit card according to the day of the week or time zone, the user's selection, or the selection based on a pre-set transaction amount condition in the mobile card 100.

3 is a flowchart illustrating the operation of the mobile card 100 according to an embodiment of the present invention. Hereinafter, the operation of the mobile card 100 will be described in detail with reference to FIG. 3.

In operation S300, the mobile card 100 reports the use of the mobile card 100 to the prepaid card company server 106 and receives a use approval from the prepaid card company server 106. The mobile card 100 transmits the mobile card 100 related information to the prepaid card company server 106, and the prepaid card company server 106 approves use of the received mobile card 100 information.

In addition, the mobile card 100 sets the amount that is the selection criteria of the first credit card, check card and prepaid card payment. In this case, the amount of money used as a selection criterion may be set in advance in the mobile card 100 before use approval.

In step S302, the mobile card 100 charges the amount that is the selection criteria of the set payment. For example, the mobile card 100 may be charged with an amount of 10,000 won.

In operation S304, the mobile card 100 receives a prepaid card payment request from the terminal 102.

In step S306, the mobile card 100 performs a prepaid card payment when the requested payment amount is smaller than the charged amount, subtracts the balance information by the amount paid, and the requested payment amount is larger than the charged amount. In this case, credit card payment or check card payment is performed instead of prepaid card payment.

In operation S308, the mobile card 100 receives the amount deducted by the prepaid card payment from the prepaid card company server 106 using a wireless communication network. For example, if the mobile card 100 has paid 2000 won in a prepaid card method, 2000 won is charged from the prepaid card company server 106 so that the remaining amount is always 10,000 won.

4 illustrates a payment system including a mobile card 100, a terminal 102, a credit card company server 104, a prepaid card company server 106, and a wireless communication network 108 according to an embodiment of the present invention. . Hereinafter, a payment system including a mobile card 100, a terminal 102, a credit card company server 104, a prepaid card company server 106, and a wireless communication network 108 will be described with reference to FIG. 4.

The mobile card 100 includes a credit card payment function or a check card payment function and a prepaid card payment function as described above. That is, the mobile card 100 performs a payment using a credit card payment function, a payment using a check card payment function, or uses a prepaid card payment function according to a transaction amount criterion requested by the terminal 102. Payment can be performed. In addition, the mobile card 100 may perform a payment by using a credit card payment function (or check card payment function) and a prepaid card payment function at the request of the terminal 102. In order to perform the prepaid card payment function, the mobile card 100 is charged from time to time to maintain a certain balance.

In connection with the present invention, when the mobile card 100 performs payment with a prepaid card to maintain a constant balance, the mobile card 100 receives the difference from the prepaid card company 106 through a wireless communication network. In other words, if the balance to be maintained is 10,000 won and the current balance is 8,000 won, the mobile card 100 receives 2000 won from the prepaid card company server 106 and maintains the balance always at 10,000 won.

The terminal 102 charges for goods or services through communication with the mobile card 100. The terminal 102 may request a payment using a credit card payment function of the mobile card 100 according to a specific condition, or may request a payment using a prepaid card payment function of the mobile card 100. For example, the specific condition may include an amount to be settled, a time zone, a day of the week, a selection of a mobile card holder, and a selection according to a pre-set transaction amount condition in the mobile card.

When the terminal 102 makes a payment request using the credit card payment function of the mobile card 100, the terminal 102 requests an authorization to the credit card company server 104 for the corresponding amount.

After deducting the transaction amount requested by the terminal 102, the mobile card 100 requests a charge approval to the prepaid card company server 106 for the deducted amount. The prepaid card company server 106 having received the charge approval request from the mobile card 100 requests the credit card payment approval for recharging to the credit card company server 104. The credit card company server 104, which is requested to approve the credit card payment for recharging from the prepaid card company server 106, checks whether the credit limit, the loss or theft is available, and if so, the payment requested by the prepaid card company server 106. Approve.

The prepaid card company server 106 having received the payment approval from the credit card company server 104 transmits a chargeable information (information) to the mobile card 100. The mobile card 100, which has received the chargeable details, performs charging, and transfers the charged details back to the prepaid card company server 106, and the prepaid card company server 106 stores the charged information and, if necessary, the credit card company. Send to server 104.

The prepaid card company server 106 may conclude a separate agreement with the credit card company server 104 in connection with the charging of the mobile card 100. That is, the prepaid card company server 106 may pre-determine a charge amount within a specific period, the number of charges within a specific period, and the like in advance with the credit card company server 104.

When the prepaid card company server 106 determines whether to approve the amount requested from the mobile card 100 in connection with the present invention, the credit card company server 104 provides the authorization details and the purchase details. When the prepaid card company server 106 requests the credit card company server 104 for approval of the amount requested from the mobile card 100, the prepaid card company server 106 provides the purchase history to the credit card company server 104.

 5 is a diagram showing the configuration of a mobile card 100 according to an embodiment of the present invention. Referring to FIG. 5, the mobile card includes a charging processor 510, a security processor 512, a transaction processor 514, a controller 516, a communication unit 518, a charge history storage unit 502, and a balance information storage unit 504. , The charging information storage unit 506, the card information storage unit 508.

The balance information storage unit 504 stores current remaining balance information. The charging information storage unit 506 stores the automatic charging limit amount and the charging limit number of times, and provides them when necessary. The card information storage unit 508 may store unique information of the mobile card and may store a manufacturer, a serial number, and the like. The charging history storage unit 502 stores charging details or accumulated charging details for a predetermined period of time of the mobile card user. The security processing unit 512 takes charge of security with the terminal 102 and performs security authentication by authenticating with a key value or other method.

The transaction processing unit 514 is requested to process the transaction amount by the prepaid card from the terminal 102 to provide the balance information, and stores the information deducted from the transaction amount in the balance information storage unit 504. In addition, when the transaction processing unit 514 is requested to process the transaction amount by the credit card from the terminal 102, it provides information for the transaction.

The charging processor 510 performs a series of charging processes with the prepaid card company 106 at the request of the controller 516 and stores the details in the charging history storage unit 502.

The communication unit 518 transmits / receives information for authentication and charging of the mobile card with the prepaid card company 106 according to a control command of the controller 516. In connection with the present invention, the communication unit 518 communicates with the prepaid card company server 106 using a wireless communication network, a wired communication network, or a wired or wireless communication network.

The controller 516 controls operations of the storage 500, the charging processor 510, the security processor 512, the transaction processor 514, and the communicator 518 constituting the mobile card. The controller 516 compares the balance stored in the balance information storage 504 with the set balance. The control unit 516 compares the balance stored in the balance information storage unit 504 with which the terminal 102 performs a specific transaction with the set balance, or stores the balance information in the balance information storage unit 504 at a predetermined time interval or at a specific time period. Compare the remaining balance with the set balance. If the stored balance is smaller than the set balance, the controller 516 requests the prepaid card company server 106 to charge the amount corresponding to the difference using the communication unit 518. That is, the controller 516 monitors the remaining balance for which the balance information stored in the balance information storage unit 504 is set.

6 is a diagram illustrating a configuration of a terminal 102 according to an embodiment of the present invention. According to the present invention, the terminal 102 includes a control unit 600, a storage unit 602, a security processing unit 604, a card reader unit 606, a charge collector 608, and a display unit 610.

The security processing unit 604 processes the security with the mobile card 100, checks a predetermined key value to each other to perform security authentication, and various other methods are possible. The display unit 610 displays a balance, a usage fee, and the like, and is displayed for the customer to see.

The storage unit 602 stores the usage history of the mobile card, and stores the usage date, transaction amount, and card balance information for each mobile card. The card reader 606 reads the information stored in the mobile card 100.

The controller 600 determines whether to pay the transaction request amount using a prepaid card or a credit card. The controller 600 pays the prepaid card payment method of the mobile card when the payment request is made by the prepaid card, and the payment method is performed by the credit card payment method of the mobile card when the payment request is made by the credit card.

The charge collection unit 608 collects a transaction amount from the balance recognized by the card reader unit 606 under the control of the control unit 600, stores the collection amount of the transaction amount in the storage unit 602, and stores the transaction amount in the mobile card. send.

The present invention described above is described as a terminal requesting either credit card payment or prepaid card payment to a mobile card, but is not limited thereto. The terminal may request either a check card payment or a prepaid card payment with a mobile card. That is, when the mobile card includes a check card payment function and a prepaid card payment function, the terminal may request a check card payment or a prepaid card payment with the mobile card.

The present invention is described as requesting a charge to the prepaid card company server for the payment amount when the mobile card has paid a specific amount by the prepaid card payment function, but is not limited thereto. That is, the mobile card may request recharging to the prepaid card company server for the amount paid in a specific time unit. For example, the mobile card may request recharging to the prepaid card company server at a specific time for the amount paid by the prepaid card payment function during the day. In this case, the amount charged to the initial mobile card may be added or subtracted. In other words, the amount of money charged to the initial mobile card may be greater or smaller depending on the period in which the mobile card requests recharging to the prepaid card company server.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the scope of the present invention .

100: mobile card 102: terminal
104: credit card company server 106: prepaid card company server
502: filling history storage unit 504: balance information storage unit
506: charging information storage unit 508: card information storage unit
510: charging processing unit 512: security processing unit
514: transaction processing unit 516: mobile card control unit
518: communication unit 600: terminal control unit
602: storage unit 604: security processing unit
606: card reader 608: bill collector

Claims (9)

How to make a payment on your mobile card,
The mobile card, which includes at least two payment functions, such as a credit card payment function, a check card payment function, and a prepaid card payment function, receives a credit card payment or a check card payment or prepayment according to a result of comparing a transaction request amount and payment selection information from a terminal. Receiving a payment request with any one of the card payments;
If the transaction request amount is paid by a prepaid card payment function, receiving an amount corresponding to the transaction request amount from a prepaid card company server.
The method of claim 1, wherein the payment selection information is money information,
If the transaction request amount is smaller than the stored amount information, the prepaid card payment request; and if the transaction request amount is less than the stored amount information, the payment request method characterized in that the request for credit card payment or check card payment. .
It includes at least two payment functions, a credit card payment function, a check card payment function, and a prepaid card payment function. The prepaid card payment function is used to pay the transaction request amount requested from the terminal and prepay the amount corresponding to the transaction request amount. A control unit instructing to be charged from the card company server;
A charging information storage unit for storing the charges received from the prepaid card company server;
And a communicator configured to communicate with the prepaid card company server according to a control command of the controller.
The mobile card of claim 3, further comprising: a balance information storage unit for storing information on the remaining balance of the mobile card.
The mobile terminal of claim 4, wherein the prepaid card payment is requested from the terminal when the transaction request amount is smaller than the set amount. Card.
A terminal for requesting payment by either credit card payment, check card payment or prepaid card payment according to the comparison result of the input transaction request amount and the stored payment selection information;
It includes at least two payment functions of a credit card payment function, a check card payment function, and a prepaid card payment function, and pays the transaction request amount requested from the terminal with the prepaid card payment function, and the amount corresponding to the transaction request amount Mobile card receiving charge from the prepaid card company server; Payment request system comprising a.
The method of claim 6,
And a prepaid card company server which provides related information to charge the mobile card with the amount corresponding to the transaction request amount according to the request of the mobile card.
The method of claim 7, wherein the terminal,
And requesting the prepaid card payment if the input transaction request amount is smaller than the stored amount information. If the transaction request amount is less than the stored amount information, the payment request system comprises requesting credit card payment or check card payment.
How to make a payment on your mobile card,
The mobile card, which includes at least two payment functions, such as a credit card payment function, a check card payment function, and a prepaid card payment function, receives a credit card payment or a check card payment or prepayment according to a result of comparing a transaction request amount and payment selection information from a terminal. Receiving a payment request with any one of the card payments;
If the transaction request amount is paid by the prepaid card payment function, receiving a total transaction request amount paid by the prepaid card payment function on a predetermined time basis from a prepaid card company server.
KR1020100118934A 2010-11-26 2010-11-26 Payment method of mobile card, including credit card payment function, check card payment function and prepaid card payment function KR20100131413A (en)

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KR1020100118934A KR20100131413A (en) 2010-11-26 2010-11-26 Payment method of mobile card, including credit card payment function, check card payment function and prepaid card payment function

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