KR20110103145A - The system and method for the instant and safe payment using a mobile communication device for both face to face and non-face to face transaction with a merchant - Google Patents

The system and method for the instant and safe payment using a mobile communication device for both face to face and non-face to face transaction with a merchant Download PDF

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Publication number
KR20110103145A
KR20110103145A KR1020100022330A KR20100022330A KR20110103145A KR 20110103145 A KR20110103145 A KR 20110103145A KR 1020100022330 A KR1020100022330 A KR 1020100022330A KR 20100022330 A KR20100022330 A KR 20100022330A KR 20110103145 A KR20110103145 A KR 20110103145A
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KR
South Korea
Prior art keywords
payment
information
credit card
product
mobile communication
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KR1020100022330A
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Korean (ko)
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이진호
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유비쿼터스 커뮤니케이션(주)
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Priority to KR1020100022330A priority Critical patent/KR20110103145A/en
Publication of KR20110103145A publication Critical patent/KR20110103145A/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
    • G06Q20/30—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]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]

Abstract

According to the present invention, the mobile communication terminal transmits the information of the seller, product type, price, etc. of the transaction to be settled, and the product information / payment to relay the credit card payment authorization of the product to the PG / VAN / credit card company Instant secure payment system and instant secure payment method that interlocks with product information / payment interlocking server in interlocking server and mobile communication terminal and provides payment function using chip card payment method using USIM credit card or mobile chip credit card of mobile communication terminal. It is about.

Description

The system and method for the instant and safe payment using a mobile communication device for both face to face and non-face to face transaction with a merchant}

The present invention relates to an instant safe payment method of a credit card using a mobile communication terminal that can be used for both face-to-face and non-face-to-face transactions. More particularly, the present invention relates to a mobile communication terminal having a smart card type credit card having excellent security. The present invention relates to a payment transaction method that enables a mobile terminal user to make a secure payment immediately and immediately with a credit card.

In general, the payment method when a buyer purchases a seller's goods or services is mostly made in cash or by using a credit card held by the buyer. In the case of using a credit card, a seller registered as a credit card merchant requests a payment to a card company using a device such as a card checker, and accordingly, when payment authorization information is provided from the card company, the seller provides a predetermined item or service to the buyer. to provide. However, in this case, because the buyer delivers the credit card to the seller or directly provides the credit card information such as the card number to the seller's terminal, the buyer's credit card or card number is stolen by the seller with malicious intention. Is often happening. In addition, such credit card payment is made through a card merchant or a shopping mall on the Internet equipped with payment equipment or system, and in the case of TV / IPTV home shopping, the buyer directly calls the seller, and when the telephone connection is established, the user calls In addition, personal information such as a credit card number for payment of goods for the purchased goods is provided, and the retailer who receives the personal information requests a payment to the credit card payment server using the user's credit card number. After receiving the approval of the payment request from the credit card company, it informs the buyer that the payment has been completed by telephone. In the case of the payment method, the buyer is not only inconvenient to inform the seller or the company of personal information such as the credit card number of the buyer through a communication medium such as a telephone every time an item or service is purchased, but also the eavesdropping and the seller of the phone. Alternatively, the credit card number and personal information are often leaked and stolen due to the malicious intention of the company or neglect of management of the seller, and in this case, there is a problem that may seriously damage the user. In addition, since the user must provide the card information to the retailer at the time of the card settlement, the user may be reluctant to purchase due to the risk of leaking the information to a third party. In addition, from the point of view of the seller or the seller, when using the method of payment by credit card using the above method, the counseling time is long because the customer has to consult with the credit card number and personal information of the purchaser. There is also a problem of increasing the cost, and even after the consultation is completed, there is a case that the final purchase is not made due to concerns of the card information leakage of the buyer, the main factor that lowers the actual purchase rate.

In addition, in case of payment using a mobile communication terminal (cell phone, PDA, smart phone, Wibro terminal, etc.), a mobile communication with a built-in credit card issued to a Universal Subscriber Identity Module (USIM) or a mobile chip There is a technology that allows a buyer having a terminal to purchase a product using the same. In this case, when making a credit card payment using a mobile communication terminal, the purchase cost of the reader incurs a face-to-face transaction since the store must be equipped with a contactless (RF, Radio Frequency) type smart card reader that can recognize the mobile communication terminal. In non-face-to-face transactions, the seller informs the buyer of the access address from which the user can purchase the product, and the buyer spends time and data searching for the product information and the credit card by searching for the product directly from the mobile terminal. Payment is also an inconvenience of having to directly input credit card information such as credit card number by using the payment method on the Internet and use an accredited certificate to increase security.

The present invention was created in order to solve the above problems, it is possible to make a credit card payment without using a credit card checker in the existing face-to-face transactions, in the case of non-face-to-face transactions to inform the card information to the counselor or In other words, it is inconvenient to input card information through the Internet, and as a result, it provides a transaction method that can replace a less secure transaction method so that a buyer can make an immediate and secure credit card payment using a mobile communication terminal. The purpose is.

In addition, the technical problem to be achieved by the present invention transmits information such as the seller, product type, price of the transaction to be paid to the mobile terminal, and relays the credit card payment approval of the product to the PG / VAN / credit card company An instant safe payment system that interoperates with product information / payment interworking server and product information / payment interworking server and provides payment function using chip card payment method using USIM credit card or mobile chip credit card of mobile communication terminal. The purpose is to provide.

According to the present invention for achieving the above object, the product information / payment interworking server for instant secure payment of credit card using a mobile communication terminal that can be used for both face-to-face and non-face-to-face transactions receives the product code and product information from the seller And a product code / information transceiving module for receiving and sending it to a mobile communication terminal; and a product code analysis module for efficiently searching a database containing information of a seller and a product by analyzing a product code received from a mobile communication terminal; Receive the affiliated information such as PG company, VAN company or credit card company, and the payment information sent by the buyer using the application of the mobile communication terminal to the merchant affiliated PG / VAN / credit card company of the product by sending the payment information Upon receiving the credit card authorization request, the application of the buyer's mobile terminal As a payment processing module for delivering results; and commodity code database that stores the product code; And a product information database storing product information.

In addition, according to the present invention for achieving the above object, the mobile communication terminal for instant secure payment of the credit card using a mobile communication terminal that can be used for both face-to-face and non-face-to-face transactions contains data such as user information and credit card information. A smart card issued to a universal subscriber identification module or a mobile chip; and a security payment unit configured to transmit and receive payment related information from a user and product information / payment linkage server; And a chip card payment unit driven in conjunction with the secure payment unit to read and process chip card information.

In addition, according to the present invention for achieving the above object, a method of driving a mobile communication terminal for the instant secure payment of a credit card using a mobile communication terminal that can be used for both face-to-face and non-face-to-face transactions is a product code in the mobile communication terminal Transmitting a product code to a product information / payment interlocking server if received; and receiving the product information and seller information when the product information / payment interlocking server analyzes the product code and transmits the product information and seller information to the mobile communication terminal; Selecting a credit card to be used in the smart card in the mobile communication terminal based on the information, and entering a personal identification number (PIN) of the credit card to make a payment; and based on the received payment information Generating payment authorization request information according to a chip card credit card processing rule; and processing the credit card Transmitting a payment authorization request to an information processing / Products payment interworking server in accordance with the law; And receiving, at the mobile communication terminal, credit card payment approval information received from the credit card company transmitted from the product information / payment interlocking server.

In addition, in order to achieve the above object, if the product code is input to the mobile terminal, the product code to the product information / payment interlocking server; and the product information / payment interlocking server analyzes the product code and product information and seller information Receiving this when the mobile communication terminal transmits to the mobile communication terminal; and selects a credit card to be used in the smart card in the mobile communication terminal based on the received information, and inputs a PIN (Personal Identification Number, Personal Identification Number) of the credit card. Generating payment approval request information according to the chip card credit card processing rule based on the input payment information; and payment approval request information processed according to the credit card processing rule. Transmitting to the payment interlocking server; And receiving, at the mobile communication terminal, credit card payment authorization information received from the credit card company transmitted from the product information / payment interlocking server. The computer readable recording medium may include a program to be executed by a computer.

In addition, in order to achieve the above object, according to the present invention, an instant secure payment system of a credit card using a mobile communication terminal that can be used for both face-to-face and non-face-to-face transactions, commodity information / payment linked server; And a mobile communication terminal interworking with the product information / payment interlocking server.

On the other hand, the product information / payment linked server, the product code / information transmission and reception module for receiving the product code and product information from the seller and send it to the mobile communication terminal; and the product code received from the mobile communication terminal by analyzing the product and the seller Commodity code analysis module to efficiently find the database with the information; and merchant information such as PG company, VAN company or credit card company contracted by the seller received from the seller and the buyer sent by using the application of the mobile terminal A payment processing module that transmits the payment information to the merchant affiliate PG / VAN / credit card company of the corresponding product, receives a credit card approval request, and transmits the result to the application of the buyer's mobile communication terminal; and stores the product code. Product code database; And a product information database storing product information.

On the other hand, the mobile communication terminal, a smart card containing data such as user information and credit card information; and a security payment unit for transmitting and receiving payment-related information from the user and the server; And a chip card payment unit driven in conjunction with the safety payment unit.

In addition, the safe payment unit, the product information input to the mobile communication terminal to the product information / payment interlock server, product information transmission and reception unit for receiving the product information and seller information from the product information / payment interlocking server; and the user moves Select a credit card to be used in the smart card in the communication terminal and enter the PIN (Personal Identification Number) of the credit card to make a payment. The payment information is transmitted to the chip card payment unit, and the payment approval request processed by the chip card payment unit. Payment information transmission and reception unit for receiving information and sending to the product information / payment interlocking server; And a payment result receiver for receiving a payment approval result transmitted from the product information / payment interlocking server.

In addition, the chip card payment unit, the information receiving unit for receiving payment information, such as a PIN (Personal Identification Number) of the credit card sent from the secure payment unit; and using the received information processed according to the chip card credit card processing rules payment Payment approval request information generation unit for generating the approval request information; And an information transmitter for transmitting the generated payment approval request information to a secure payment unit.

Meanwhile, in order to achieve the above object, an instant safe payment method of a credit card using a mobile communication terminal that can be used for both face-to-face and non-face-to-face transactions according to the present invention provides a mobile communication of product information such as a product code by a seller when a buyer selects a product. Transmitting the product code to the product information / payment interlocking server when the product code is input to the mobile communication terminal; and analyzing the received product code in the product information / payment interlocking server. Distinguishing whether it is a transaction using information and seller information or a product code that changes from time to time, and in the case of a variable product, updating the product information from the seller and transmitting the product information and the seller information to the buyer mobile communication terminal; Select the credit card you want to use with the smart card in your device and select the PIN rsonal identification number); and generating payment approval request information according to the chip card credit card processing rule based on the received payment information; and payment approval request processed according to the credit card processing rule. Transmitting information to a product information / payment interlocking server; and transmitting the received payment approval request information to a corresponding affiliate PG / VAN / credit card company of a seller; and product information / payment interlocking Receiving credit card payment approval information from a credit card company at a server and transmitting the received credit card payment approval information to a mobile communication terminal; And receiving, at the mobile communication terminal, credit card payment approval information received from the credit card company transmitted from the product information / payment interlocking server.

In addition, in order to achieve the above object, when the buyer selects a product, the seller transmits the product information, such as product code to the mobile communication terminal; and if the product code is input to the mobile communication terminal, the product code to the product information / payment interlocking server And analyzing the received product code from the product information / payment interlocking server to distinguish whether the product information and the seller information are already used, or whether the product code changes from time to time. Transmitting the product information and the seller information to the purchaser's mobile terminal; and the buyer selecting a credit card to be used in the smart card in the mobile terminal and entering a PIN (Personal Identification Number) of the credit card to make a payment. And the chip card credit card processing rule based on the received payment information. Generating payment approval request information; and transmitting the payment approval request information processed according to the credit card processing rule to a product information / payment interlocking server; and the payment approval request information received by the product information / payment interlocking server. Transmitting to the merchant PG / VAN / credit card company of the seller; and receiving the credit card payment approval information from the credit card company in the product information / payment interlocking server and transmitting it to the mobile communication terminal; And receiving, at the mobile communication terminal, credit card payment approval information received from the credit card company transmitted from the product information / payment interlocking server. The computer readable recording medium may include a program to be executed by a computer.

According to the instant secure payment method of the credit card using a mobile communication terminal that can be used for both face-to-face and non-face-to-face transactions according to the present invention,

First, the seller may request payment using the mobile terminal of the buyer, where and when the buyer is, and payment processing may be performed quickly. Accordingly, even from the seller's point of view, the goods can be settled anywhere, thereby increasing sales.

Second, since the existing seller only needs to confirm the purchase without the hassle of having to receive credit information such as the credit card number of the remote buyer, the seller's sales time can be shortened. Not only can the system (eg call center) save money, but it also increases the actual purchase rate.

Third, as payment is made without providing the seller's credit card information to the seller, it is possible to prevent malicious accidents caused by exposure of the buyer's credit card information to the seller.

Fourth, credit card transactions using smart cards can be increased, which increases security.

Fifth, the seller or seller, including delivery service, insurance sales, logistics service, delivery and return service, TV home shopping, agency operation service, quick service, mail-order sales and door-to-door sales, must provide additional equipment (wireless card) for payment of goods. Even if a payment machine, a network card payment center, or the like is not provided, card payment for goods can be facilitated.

Sixth, the purchaser can purchase the goods sold by the seller, such as the above classification, even without the cash.

Seventh, the purchaser can easily pay for the goods of the company class using a mobile terminal without any additional equipment.

Eighth, it is economical because it does not cost to purchase a reader. In other words, when you want to make a credit card payment using a smart card with high security, the product seller must have a smart card reader. A mobile communication terminal with a USIM or a mobile chip is already equipped with a smart card reader. Since no reader is required for card transactions, transactions using smart cards can be made at no additional cost, such as purchase of a leader.

1 is a functional block diagram of a product information / payment linkage server,
2 is a functional block diagram of a mobile communication terminal,
3 is a connection relationship diagram for explaining the connection relationship and flow between the product information / payment interlocking server and the mobile communication terminal,
4 is a flowchart illustrating an overall processing flow according to a preferred embodiment of the present invention.

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 it 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.

First, the mobile communication terminal referred to in the present invention includes a mobile phone, a PDA, a smart phone, a Wibro terminal, and the like. In addition, face-to-face seller refers to a seller who meets the buyer and sells the product.Non-face-to-face seller means not to meet with the buyer directly, but to advertise on TV / IPTV home shopping, internet shopping, TV / IPTV / radio / floor, etc. Means sellers selling through.

The present invention provides a purchaser 400 having a mobile communication terminal 500 with a credit card issued to a Universal Subscriber Identity Module (USIM) 530 or a Mobile Chip 530. The present invention relates to a method and system for enabling a secure payment of a credit card immediately in purchasing a product using the same. First, when face-to-face transactions with the seller, the seller 100 displays the product code on the sales invoice or notifies, or transmits to the short message service (SMS) the mobile phone of the purchaser 400. In non-face-to-face transactions (TV / IPTV home shopping, Internet shopping, TV / IPTV / radio / floor, etc.), buyers who watch and purchase TV / IPTV home shopping, internet shopping, TV / IPTV / radio / floor, etc. When the product 400 determines the product to be purchased, recognizes the product code, executes an application for operating an instant safe payment method in the mobile communication terminal, and then enters the product code. The instant safe payment application receives the product through the mobile communication terminal 500. The code is transmitted to the product information / payment interlocking server 300, and the product information / payment interlocking server 300 analyzes the code of the corresponding product, such as TV / IPTV home shopping, internet shopping, TV / IPTV / radio / ground, etc. In the product information database 350 of the product seller 200 of the product information related to the seller (seller-related information, product-related information and price, etc.), and enter a product code as a mobile terminal 500 It allows to transfer the relevant information about the product. In addition, in the case of internet shopping, when the buyer 400 selects to pay with the mobile terminal 500 in the payment window of the internet shopping, the buyer 400 inputs the information of the corresponding product by inputting the mobile terminal 500 of the buyer. By directly transmitting to the buyer through the information / payment linkage server 300, the buyer 400 can be immediately provided with information on the product without having to search for a separate product information to the mobile terminal 500. . Therefore, the purchaser 400 checks the corresponding information and uses the IC card-based chip card payment with a credit card or mobile chip 530 credit card of the universal subscriber identity module 530 in the mobile communication terminal 500 as an immediate safe payment application. It is a method to make a payment safely and immediately by the method.

First, Figure 1 is a functional block diagram of the product information / payment interlock server 300 according to a preferred embodiment of the present invention will be described with reference to the product information / payment interlock server 300.

Product information / payment interworking server 300 receives the product code and product information from the seller receives the product code / information transmission and reception module 310, the seller (100, 200) agreement to send it to the safety payment unit 510 of the mobile communication terminal Receive affiliate information of one PG (Payment Gateway, payment agency), VAN (Value Added Network) company or credit card company (600) from the seller (100,200) and the buyer pays the secure payment of the mobile communication terminal (500) The payment information sent using the unit 510 and the chip card payment unit 520 is transmitted to the merchant PG / VAN / credit card company 600 of the corresponding product 100,200 to request and receive a credit card authorization again. It consists of a payment processing module, a product code database 320 and a product information database 350 for transmitting the result to the mobile communication terminal of the buyer.

2 is a functional block diagram of a mobile communication terminal 500 according to a preferred embodiment of the present invention.

First, the mobile communication terminal 500 includes a safety payment unit 510, a chip card payment unit 520, and a smart card 530 in which a credit card is embedded.

The safety payment unit 510 receives a product code from a mobile communication terminal user and receives a product information / payment linkage server, a product code, product information, etc., a product information transmission and reception unit 512, a chip card payment unit 520, and the like. The payment information receiving unit 514 and the payment result receiving unit 516 accepting the payment information generated by the chip card payment unit 520 to send and receive information required for payment in conjunction with the payment approval request information received The payment information transmitting and receiving unit 514 to the product information / payment interlocking server 300 is transmitted.

In addition, the chip card payment unit 520 receives the information necessary for the payment transmitted from the safety payment unit in the information receiving unit 522, using the information received from the payment approval request information generation unit 524 chip card credit card After processing according to the processing rule, the processed information is transmitted from the information transmitter 526 to the security payment unit 510.

3 is a connection relationship diagram for explaining the connection relationship and flow between the product information / payment interlocking server and the mobile communication terminal.

4 is a flowchart illustrating an overall processing flow according to a preferred embodiment of the present invention.

First, the face-to-face seller (100) has a POS (Point Of Sale, point of sale) (110) terminal, the POS terminal has a product code, product code / information related to the product sales in addition to the general product sales function (product information database) It is equipped with a transmission and reception module, a merchant affiliated PG / VAN / credit card company 600, payment information transmission module. And the non-face-to-face seller 200 is equipped with a product information database 350, product code, product code / information transmission and reception module, merchant affiliate PG / VAN / credit card company 600 payment information transmission module in its own computer system, the seller (200) the product information / payment interlock server 300, commodity code, product information, merchant information PG / VAN / credit card company (600) payment information is usually sent to the product information / payment interlock server (300) in advance Make sure you have it. In the face-to-face transaction, the seller 100 notifies the buyer 400 of the product code for payment by using an invoice or SMS, and in the case of non-face-to-face transaction, the buyer 400 sends TV / IPTV home shopping and internet shopping of the seller 200. Recognize product codes by watching advertisements such as TV, IPTV, radio, and the like. In the case of internet shopping, when the purchaser 400 selects payment using the mobile terminal 500 in the payment window of the internet shopping, and then enters the purchaser's mobile phone terminal number, the product code / information and the seller 200 in the internet shopping mall. PG / VAN / credit card company (600) of the payment information to the product information / payment interlocking server 300, the product information / payment interlocking server 300 sends the seller and product information to the buyer's mobile communication terminal buyer When the 400 makes a credit card payment using the mobile communication terminal 500, the instant safety control control application in the mobile communication terminal 500 is driven. When the product code is entered, the safety payment unit 510 of the mobile communication terminal 500 transmits the product code to the product information / payment interlocking server 300, and the product information / payment interlocking server 300 analyzes the product code. It distinguishes whether it is a transaction using product information and seller information or a product code that changes frequently. In the case of variable products at any time to update the product information from the seller, and sends the product information and seller information to the product information transmission and reception unit 512 of the safety payment unit 510 of the buyer mobile communication terminal. The purchaser 400 checks the seller, product information, price, etc. received from the product information / payment linkage server through the display window of the mobile communication terminal, and then uses the USIM 530 credit card or mobile chip 530 in the mobile communication terminal 500. ) Select a credit card to be used from the credit card and enter the PIN (Personal Identification Number, Personal Identification Number or Password) of the credit card to make a payment, the payment information transmitting and receiving unit 514 of the secure payment unit 510 The chip card payment unit 520 transmits to the government receiver 522. If the payment approval request information generation unit 524 of the chip card payment unit 510 processes the chip card credit card processing rule using the received information and generates payment approval request information, the chip card payment unit 510 The information transmitter 526 transmits the information to the secure payment unit 510. Then, the payment approval request information is received by the control information transmitting and receiving unit 514 of the security payment unit 510. The payment information transmission and reception unit 514 of the secure payment unit 510 transmits the received payment approval request information to the product information / payment interworking server 300, and the payment processing module of the product information / payment interlocking server 300 ( In step 330, the payment approval request information is transmitted to the affiliated PG / VAN / credit card company 600 of the seller. Product information / payment interworking server 300 receives the credit card payment approval information from the credit card company and transmits the approval result back to the payment result receiving unit 516 of the mobile communication terminal 500 is made payment.

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

100 Face Sellers 110 POS (Point Of Sale)
200 non-face-to-face seller
300 Product Information / Payment Linkage Server 310 Product Code / Information Transmission Module
320 Product Code Analysis Module 330 Payment Processing Module
340 Product Code Database 350 Product Information Database
360 Merchant Affiliate PG / VAN Payment Information 400 Buyer
500 Mobile communication terminal 510 safety payment department
512 Product Information Receiver 514 Payment Information Transmitter and Receiver
516 Payment result receiver 520 Chip card payment
522 Information Receiving Unit 524 Information Authorization Request
526 Information Transmitter 530 Smart Card 600 PG / VAN / Credit Card Company

Claims (11)

In the product information / payment interworking server for instant secure payment of credit card using a mobile communication terminal that can be used for both face-to-face and non-face-to-face transactions,
A product code / information transmission / reception module for receiving a product code and product information from a seller and sending the same to a mobile communication terminal;
A product code analysis module for analyzing a product code received from a mobile communication terminal so as to efficiently find a database containing information on sellers and products;
Receive affiliate information such as PG company, VAN company or credit card company that the seller has agreed to and receive payment information from the seller using the application of the mobile communication terminal to the merchant affiliate PG / VAN / credit card company of the relevant product. A payment processing module for receiving the credit card authorization request and transmitting the result back to the application of the buyer's mobile communication terminal;
A product code database for storing a product code; And
Product information / payment interlocking server comprising a; product information database for storing product information. In the mobile terminal for instant secure payment of the credit card using the mobile terminal that can be used for both face-to-face and non-face-to-face transactions,
A smart card containing data such as user information and credit card information;
Safe payment unit for transmitting and receiving payment-related information from the user and product information / payment interlocking server; And
And a chip card payment unit driven in conjunction with the secure payment unit to read and process chip card information. In the method of driving a mobile terminal for the instant secure payment of credit cards using a mobile terminal that can be used for both face-to-face and non-face-to-face transactions,
Transmitting a product code to a product information / payment interlocking server when a product code is input to a mobile communication terminal;
Receiving the product information / payment linked server by analyzing the product code and transmitting the product information and seller information to the mobile communication terminal;
Selecting a credit card to be used in the smart card in the mobile communication terminal based on the received information, and inputting a PIN (Personal Identification Number, personal identification number, password) of the credit card;
Generating payment approval request information according to the chip card credit card processing rule based on the received payment information;
Transmitting payment authorization request information processed according to the credit card processing rule to a product information / payment interlocking server; And
Receiving credit card payment authorization information received from the credit card company transmitted from the product information / payment interlocking server in the mobile communication terminal; Method for driving a mobile terminal for immediate secure payment comprising a. Transmitting a product code to a product information / payment interlocking server when a product code is input to a mobile communication terminal;
Receiving the product information / payment linked server by analyzing the product code and transmitting the product information and seller information to the mobile communication terminal;
Selecting a credit card to be used in the smart card in the mobile communication terminal based on the received information, and inputting a PIN (Personal Identification Number, personal identification number, password) of the credit card;
Generating payment approval request information according to the chip card credit card processing rule based on the received payment information;
Transmitting payment authorization request information processed according to the credit card processing rule to a product information / payment interlocking server; And
Receiving credit card payment authorization information received from the credit card company transmitted from the product information / payment interlocking server in the mobile communication terminal; including a computer-readable recording medium recording a program to be executed by a computer. In the instant secure payment system of credit cards using mobile terminals that can be used for both face-to-face and non-face-to-face transactions,
Product information / payment linked server; And
Immediate secure payment system of a credit card including a mobile communication terminal interworking with the product information / payment interlocking server. 6. The method of claim 5,
The product information / payment linked server,
A product code / information transmission / reception module for receiving a product code and product information from a seller and sending the same to a mobile communication terminal;
A product code analysis module for analyzing a product code received from a mobile communication terminal so as to efficiently find a database containing information on sellers and products;
Receive affiliate information such as PG company, VAN company or credit card company that the seller has agreed to and receive payment information from the seller using the application of the mobile communication terminal to the merchant affiliate PG / VAN / credit card company of the relevant product. A payment processing module for receiving the credit card authorization request and transmitting the result back to the application of the buyer's mobile communication terminal;
A product code database for storing a product code; And
Commodity information / payment interlocking server comprising a; product information database for storing product information. 6. The method of claim 5,
The mobile communication terminal,
A smart card smart card issued to a universal subscriber identity module or mobile chip containing data such as user information and credit card information;
Safe payment unit for transmitting and receiving payment related information from the user and the server; And
And a chip card payment unit driven in conjunction with the safety payment unit. The method according to claim 2 or 7,
The safety payment unit,
A product information transmission and reception unit which transmits the product code inputted to the mobile communication terminal to the product information / payment interlocking server and receives the product information and the seller information from the product information / payment interlocking server;
When a user selects a credit card to be used in a smart card in a mobile communication terminal and enters a PIN (Personal Identification Number) of the credit card to make a payment, the payment information is transmitted to the chip card payment unit and processed by the chip card payment unit. Payment information transmitting and receiving unit for receiving the payment approval request information and transmits to the product information / payment interlocking server; And
And a payment result receiving unit for receiving the payment approval result transmitted from the product information / payment interlocking server. The method according to claim 2 or 7,
Chip card payment department,
An information receiving unit receiving payment information such as a PIN (Personal Identification Number) of the credit card sent from the secure payment unit;
A payment approval request information generation unit for generating payment approval request information by processing the chip card credit card processing rule using the received information; And
And a information transmitting unit for transmitting the generated payment approval request information to a secure payment unit. In the immediate secure payment method of the credit card using a mobile terminal that can be used for both face-to-face and non-face-to-face transactions,
When the buyer selects a product, the seller transmits product information such as a product code to a mobile communication terminal;
Transmitting a product code to a product information / payment interlocking server when a product code is input to a mobile communication terminal;
The product information / payment interlocking server analyzes the received product code and distinguishes whether it is a transaction using product information and seller information already existing or a product code that changes from time to time. Transmitting the information and the seller information to the buyer mobile communication terminal;
A purchaser selecting a credit card to be used in the smart card in the mobile communication terminal and entering a PIN (Personal Identification Number) of the credit card to make a payment;
Generating payment approval request information according to the chip card credit card processing rule based on the received payment information;
Transmitting the payment approval request information processed according to the credit card processing rule to a product information / payment interlocking server;
Transmitting the received payment approval request information from a product information / payment interlocking server to a corresponding affiliated PG / VAN / credit card company of a seller;
Receiving credit card payment approval information from a credit card company at a product information / payment interlocking server and transmitting the received credit card payment approval information to a mobile communication terminal; And
Receiving credit card payment approval information received from the credit card company sent from the product information / payment interlocking server at the mobile communication terminal; Immediate security payment method comprising a. When the buyer selects a product, the seller transmits product information such as a product code to a mobile communication terminal;
Transmitting a product code to a product information / payment interlocking server when a product code is input to a mobile communication terminal;
The product information / payment interlocking server analyzes the received product code and distinguishes whether it is a transaction using product information and seller information already existing or a product code that changes from time to time. Transmitting the information and the seller information to the buyer mobile communication terminal;
A purchaser selecting a credit card to be used in the smart card in the mobile communication terminal and entering a PIN (Personal Identification Number) of the credit card to make a payment;
Generating payment approval request information according to the chip card credit card processing rule based on the received payment information;
Transmitting the payment approval request information processed according to the credit card processing rule to a product information / payment interlocking server;
Transmitting the received payment approval request information from a product information / payment interlocking server to a corresponding affiliated PG / VAN / credit card company of a seller;
Receiving credit card payment approval information from a credit card company at a product information / payment interlocking server and transmitting the received credit card payment approval information to a mobile communication terminal; And
Receiving credit card payment approval information received from the credit card company sent from the product information / payment interlocking server in the mobile communication terminal; Computer-readable recording medium recording a program to be executed by a computer.
KR1020100022330A 2010-03-12 2010-03-12 The system and method for the instant and safe payment using a mobile communication device for both face to face and non-face to face transaction with a merchant KR20110103145A (en)

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Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101574156B1 (en) * 2013-09-03 2015-12-07 엔에이치엔엔터테인먼트 주식회사 Method and system for payment
KR20150141170A (en) * 2015-11-26 2015-12-17 엔에이치엔엔터테인먼트 주식회사 Method and system for payment
WO2016013830A1 (en) * 2014-07-22 2016-01-28 주식회사 한국엔에프씨 System and method for providing combined direct mobile simple payment service and indirect user authentication by means of real financial card
KR20170119553A (en) * 2016-04-19 2017-10-27 주식회사 더페이 Method for non-face-to-face payment using credit card
CN108346050A (en) * 2018-03-29 2018-07-31 深圳正品创想科技有限公司 A kind of method, apparatus creating user account and unmanned shop
CN109598515A (en) * 2018-11-29 2019-04-09 阿里巴巴集团控股有限公司 A kind of method of payment, payment mechanism and terminal device

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101574156B1 (en) * 2013-09-03 2015-12-07 엔에이치엔엔터테인먼트 주식회사 Method and system for payment
WO2016013830A1 (en) * 2014-07-22 2016-01-28 주식회사 한국엔에프씨 System and method for providing combined direct mobile simple payment service and indirect user authentication by means of real financial card
KR20150141170A (en) * 2015-11-26 2015-12-17 엔에이치엔엔터테인먼트 주식회사 Method and system for payment
KR20170119553A (en) * 2016-04-19 2017-10-27 주식회사 더페이 Method for non-face-to-face payment using credit card
CN108346050A (en) * 2018-03-29 2018-07-31 深圳正品创想科技有限公司 A kind of method, apparatus creating user account and unmanned shop
CN109598515A (en) * 2018-11-29 2019-04-09 阿里巴巴集团控股有限公司 A kind of method of payment, payment mechanism and terminal device
CN109598515B (en) * 2018-11-29 2020-08-04 阿里巴巴集团控股有限公司 Payment method, payment device and terminal equipment

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