KR20120013867A - Creditcard payment system and method using mobile terminal - Google Patents

Abstract

PURPOSE: A card payment system and method thereof are provided to solve a security problem by reducing identification confirming procedures. CONSTITUTION: A payment statement management unit(214) receives payment request information including user identification information from an online or offline member store. The payment statement management unit provides a payment standby list to a mobile terminal(230). A card statement management unit(216) stores card lists according to each user.

Description

Card payment system and method using mobile terminal {Creditcard payment system and method using mobile terminal}

The present invention relates to a card payment system and a method thereof, and more particularly, to a card payment system and a method using a mobile terminal that does not require a separate credit card.

When paying with a credit card at a conventional offline merchant, the credit card must be presented directly. When paying with a credit card at an online merchant, that is, an online shopping mall, information such as a credit card number must be directly input. As such, in order to use a credit card, it must be carried at all times, so there is always a possibility of exposure to a credit card number in case of inconvenience, loss of financial accidents, and online.

SUMMARY OF THE INVENTION The present invention has been made in an effort to provide a credit card payment system and a method capable of solving problems such as inconvenience of carrying a credit card and exposing a credit card number online.

In order to solve the above technical problem, an embodiment of the card payment method according to the present invention, the card payment method in the card payment system that stores the user-specific card list, the user identification information from online or offline merchants Receiving payment request information, including the payment request information, and storing the payment request list; Transmitting a corresponding payment standby list and a credit card list to the mobile terminal when the mobile terminal is connected; And if a payment item and a card to be used for payment are selected in the mobile terminal in the payment waiting list and the card list, processing the payment approval of the payment item with the selected card.

In order to solve the above technical problem, an embodiment of a credit card payment device according to the present invention, receiving payment request information including user identification information from an online or offline merchant stores in the payment standby list, and corresponds to the mobile terminal Payment history management unit to provide a payment wait list to the; A card history management unit for storing a user-specific card list and providing a corresponding card list to a mobile terminal; And a card approval unit configured to process payment approval of payment items with the selected card when receiving information on a payment item selected from the mobile terminal and a card to be used for payment using a payment standby list and a card list.

In order to solve the above technical problem, an embodiment of a mobile terminal for credit card payment according to the present invention, the payment information receiving unit for receiving the payment standby list and card list from the card payment system; And a payment item selection unit which transmits a selection result to the card payment system when a payment item and a card to be used for payment are selected using the received payment standby list and card list.

According to the present invention, since the user does not have a credit card to solve the risk of loss, and does not enter the information of the credit card online, it solves the security problem of exposure or theft of credit card information.

1 is a view showing an example of a schematic structure of a credit card payment system using a mobile terminal according to the present invention;
2 is a view showing the configuration of an example of a credit card payment device and mobile terminal for credit card payment according to the present invention;
3 is a view showing the configuration of another example of a credit card payment system using a mobile terminal according to the present invention;
4a to 4c are views illustrating an example of a mobile terminal in which a credit card payment method is implemented in a mobile terminal according to the present invention;
5 is a view showing an example of a method for displaying user identification information through a mobile terminal according to the present invention;
6 is a flow chart showing the flow of an embodiment of a credit card payment method using a mobile terminal according to the present invention;
7 and 8 are a flow chart showing the flow of an embodiment of a credit card payment method using a mobile terminal in an offline merchant according to the present invention; and
9 and 10 are flowcharts illustrating an embodiment of a credit card payment method using a mobile terminal in an online shopping mall according to the present invention.

Hereinafter, with reference to the accompanying drawings will be described in detail a credit card payment system and method using a mobile terminal according to the present invention.

1 is a view showing an example of a schematic structure of a credit card payment system using a mobile terminal according to the present invention.

Referring to FIG. 1, the credit card payment system 110 is connected to an affiliated store 100, a mobile terminal 120, a mobile reward service platform 130, an authorization server 140, and the like through a wired / wireless communication network. In addition, the credit card payment system 110 includes a payment intermediation DB (112), credit card DB (114) and payment processing server (116). Herein, the configuration of the credit card payment system 110 may be distinguished in order to help the understanding of the present invention, and may be variously changed to a single device or a plurality of more detailed devices. In addition, in the present embodiment, the convenience of description is described as a credit card, but the present invention is not limited to a credit card, and includes all conventionally available cards such as a debit card, a postpaid card, and a prepaid card.

First, the credit card payment system 110 stores and manages credit card information for each user. That is, the credit card DB 114 of the credit card payment system 110 stores a credit card list for each user, and grabs information such as discount coupons or points accumulation for each credit card through the mobile reward service platform 130. do.

When a user pays for an item or a service at an affiliate store (offline merchant or online shopping mall) 100, the merchant 100 stores the payment request information including information on the corresponding payment amount and user identification information. Transmit to 110. The credit card payment system 110 stores the payment request information of the affiliated store in the payment broker DB (112).

The user accesses the credit card payment system 110 through a mobile terminal (for example, a smart phone, etc.) and inquires his payment waiting list stored in the payment broker DB 112. For example, when a user purchases and pays goods at merchants A and B, the payment broker DB 112 of the credit card payment system 110 displays the payment request information received from merchants A and B, respectively. The user can check the payment waiting list including the payment items of the affiliated stores A and B as shown in FIG. 1 through the mobile terminal 120. The user selects at least one payment item among payment items in the payment waiting list, and the user may access the credit card payment system 110 through the mobile terminal 120 to inquire affiliate store related information.

In addition, the user accesses the credit card payment system 110 through a mobile terminal to search his credit card list stored in the credit card DB 114 to select a credit card to be used for payment. The user may access the credit card payment system 110 through the mobile terminal to inquire payment benefit information such as discount coupons, points, and gift certificates for each credit card in the card list. The credit card list provided to the mobile terminal may provide a list of selected / recommended optimal cards for payment items. That is, the credit card payment system 110 may provide the user with a list of credit cards in order of optimal credit card according to payment benefits such as discount benefits for each credit card and points earning rate, etc. on the contents of the merchant or the payment item.

For convenience of retrieval of merchant-related information or benefit information for each credit card, the credit card payment system provides merchant information or credit card payment benefit information when providing a payment standby list or credit card list, or the screen of the mobile terminal of FIG. For example, you can provide a menu to search for it at the bottom of the list.

When the payment processing server 116 of the credit card payment system 110 selects a payment item and a credit card to be used for payment through the mobile terminal 120, the approval server 140 approves the payment item with the selected credit card. Ask. The approval server 140 processes the payment approval and transmits the result to the affiliated store 110 and the mobile terminal 120.

2 is a diagram illustrating an example of a configuration of a credit card payment device and a mobile terminal for credit card payment according to the present invention.

Referring to FIG. 2, the credit card payment device 210 is connected to the merchant terminal 200 and the mobile terminal 230 through a wired or wireless communication network. In the case of an online affiliate store, the affiliated store terminal 200 refers to a terminal through which a user can input information by accessing an online shopping mall.

The credit card payment device 210 includes a communication unit 212, payment history management unit 214, card history management unit 216, authentication unit 218 and card approval unit 220, the mobile terminal 230 is authenticated It includes a request unit 232, identification information providing unit 234, payment information receiving unit 236 and payment item selection unit 238.

First, referring to the credit card payment device 210, the communication unit 212 of the credit card payment device 210 communicates with the merchant terminal 200 or the mobile terminal 230 through a wired or wireless network.

The authenticator 218 authenticates whether the mobile terminal 230 is a legitimate user when the mobile terminal 230 accesses the credit card payment apparatus 210 for credit card payment according to the present embodiment. For example, the authentication unit 218 may authenticate a user using the mobile terminal through various methods such as authentication by receiving an ID and a password from the mobile terminal or authentication using a public certificate. If the authentication is successful, the mobile terminal 230 is connected to the credit card payment device 210.

When the payment history management unit 214 receives payment request information including user identification information, payment information, and merchant information from the affiliated store terminal 200, it stores the payment request list. That is, the payment request information transmitted by the merchant terminal does not include any credit card information and the like unlike the prior art. The payment history management unit 214 preferably deletes a payment item that has elapsed a predetermined time set in the payment waiting list. At this time, the credit card payment device 210 transmits an authorization failure to the affiliated store terminal 200 corresponding to the deleted payment item. In addition, the payment history management unit 214 provides a corresponding payment waiting list to the mobile terminal 230 authenticated through the authentication unit 218 so that the user can select a payment item from the payment waiting list through the mobile terminal 230. do.

The card history management unit 216 stores and manages a credit card list for each user. That is, the user does not need to have a credit card because the user can store and manage the credit card information available to the card history management unit 216. In addition, the card history management unit 216 provides a credit card list to the mobile terminal 230 so that a user can select a credit card to be used for payment through the mobile terminal 230.

The card approval unit 220 receives a selection result from the mobile terminal 230 when the user selects a payment item and a credit card for payment from the payment standby list and the credit card list through the mobile terminal 230, respectively. After identifying the benefits (points earned, discounted benefits, etc.) of the selected credit card is processed whether the payment item is approved and transmits the result to the mobile terminal 230 and the merchant terminal 200.

Next, referring to the mobile terminal 230 in detail, the authentication requesting unit 232 of the mobile terminal 230 requests authentication by inputting predetermined authentication information to access the credit card payment device 210. If the authentication is successful, the payment information receiver 236 of the mobile terminal 230 receives a payment standby list and a credit card list from the credit card payment device 210. The payment item selector 238 of the mobile terminal 230 transmits the payment item and the credit card information selected by the user from the received payment standby list and the credit card list to the credit card payment device 210.

The mobile terminal 230 also includes an identification information providing unit 234. The identification information providing unit 234 displays user identification information or transmits the user identification information to the merchant terminal so that the user can provide the user identification information to the merchant terminal at the time of payment after the user purchases an item or the like at the affiliate store. For example, the identification information providing unit 234 displays user identification information consisting of numbers or letters on a screen or in the form of a barcode. Alternatively, the identification information providing unit may transmit user identification information to the affiliated store terminal through communication when predetermined communication with the affiliated store terminal is possible. Such identification information display and recognition will be described in detail later with reference to FIG. 5.

3 is a view showing the configuration of another example of a credit card payment system using a mobile terminal according to the present invention.

Referring to FIG. 3, the credit card payment system 300 may include personal identification information management 302, payment history management 304, front communication processing 306, payment request specialized analysis processing 308, and reward service processing 310. ), Credit card payment approval processing 312, backend communication processing 314, merchant information management 316, card benefit information management 318, and the like. Such management and processing functions may be implemented in hardware or software.

4A to 4C are diagrams illustrating an example of a mobile terminal in which a credit card payment method is implemented in a mobile terminal according to the present invention.

First, referring to FIG. 4A, a user selects an application (ie, a payment app) for a service according to the present invention from among applications of a mobile terminal. After selecting the payment app and accessing the credit card payment system through login, menus such as 'Make Payment' and 'Payment History' are displayed.

In case of selecting 'Make Payment', as shown in FIG. 4B, the payment waiting list and the credit card list are displayed on the mobile terminal so that the user can select them. When the user selects the payment item and the credit card from each list, The final payment screen is displayed along with the payment item and credit card. If the user password is entered, the payment is completed through the credit card payment system and the result is displayed on the screen.

Select 'Payment History' from the menu shown in FIG. 4A, and a list of payment requests is displayed as shown in FIG. 4C. When the list is selected, detailed information and a receipt of payment details can be checked.

5 is a diagram illustrating an example of a method for displaying user identification information through a mobile terminal according to the present invention.

Referring to FIG. 5, the user identification information may be used as unique identification information for identifying a user, such as a mobile phone number, a social security number, an i-pin, and the like. In addition, the user identification information may use the information consisting of 'card company code + identification serial number'. At this time, the last number of identification serial number can be used as 'check digit'.

The user identification information may be stored in the mobile terminal itself or stored in a separate server in the form of a number or a one-dimensional or two-dimensional bar code. When the user identification information is stored in a separate server, the user may access the server online through the mobile terminal and inquire the real time user identification information.

The user identification information may also be stored in a separate information storage medium such as an RFID tag or a USIM card, and the user identification information stored in the storage medium may be inquired through the mobile terminal through an external interface of the mobile terminal.

A method of inputting user identification information to a merchant terminal, a method in which a user or a merchant owner directly inputs identification information to a merchant terminal, and user identification information displayed in the form of a barcode on a screen of a mobile terminal through a barcode reader of the merchant terminal. A method of recognizing or recognizing user identification information through an RF reader of an affiliated store terminal when user identification information is stored in an RF tag may be used.

6 is a flowchart illustrating an embodiment of a credit card payment method using a mobile terminal according to the present invention.

Referring to FIG. 6, when a user intends to pay for an item or a service at an affiliate store, first, user identification information is input to the affiliated store terminal 610 (S650). When paying at an offline affiliated store, user identification information is directly input to the affiliated store terminal 610 or a barcode or RF tag is recognized as shown in FIG. 5. Even in the case of an online merchant, the user directly inputs user identification information on a screen such as an online shopping mall, or if the terminal using the online shopping mall is equipped with an RF reader or a barcode reader, the user recognizes and inputs the data directly through the reader as shown in FIG. 5. You may.

The affiliated store terminal 610 transmits payment request information including input user identification information, payment amount information, and merchant information, to the credit card payment system 620 (S652). The credit card payment system 620 stores the received payment request information in the payment waiting list (S653). The credit card payment system deletes a payment item that has passed a predetermined time from the payment waiting list and notifies the merchant terminal corresponding to the deleted payment item of the authorization failure.

The user logs in to the credit card payment system after driving the application of the mobile terminal 600 (S656). The login method may be implemented through various conventional authentication methods.

The credit card payment system 620 transmits the corresponding payment waiting list and the credit card list to the connected mobile terminal 600 (S656). The mobile terminal 600 displays the received payment waiting list and the credit card list on the screen so that the user can select them (S658). The mobile terminal 600 transmits the payment item selected by the user and credit card information to be used for payment to the credit card payment system 620 (S660).

The credit card payment system 620 identifies the benefit information such as coupons, points, discount events, etc. for the selected credit card (S662), and processes the payment approval for the selected payment item together with the identified contents (S664). In operation S666 and S668, the processing result is transmitted to the affiliated store terminal 610 and the mobile terminal 600.

7 and 8 are flowcharts illustrating the flow of an embodiment of a credit card payment method using a mobile terminal in an offline affiliated store according to the present invention.

Referring to FIG. 7, when a user wants to pay for a product or service at a merchant, the user first runs a corresponding app of the mobile terminal (ie, a user's smartphone), and then displays user identification information displayed on the mobile terminal. Directly input to the merchant terminal or the merchant terminal recognizes the user identification information in the form of a barcode displayed on the mobile terminal through a barcode reader. When the merchant terminal transmits a payment request message (ie, identifier + purchase information + merchant information) to the payment broker server, the payment broker server stores it in the payment standby list. Then, when the user logs in through the mobile terminal and accesses the payment broker server, the payment broker server inquires the user's identification information through the user information DB, and then, based on this, the payment request message corresponding to the user is displayed in the payment standby list. do.

Referring to FIG. 8, a user accesses a payment intermediation server through a mobile terminal, selects an item to pay from among inquired payment request texts, and the payment intermediation server inquires the affiliated authority information through the affiliated store management system. The user also accesses the payment broker server through the mobile terminal to select a credit card to be used for payment, and the payment broker server accesses the credit card system to query the selected credit card. In addition, the payment intermediation server inquires points, coupons, memberships, etc. for the selected card through the card marketing system and applies the corresponding discount benefits. When the user requests the final payment through the mobile terminal, the payment intermediation server makes a payment request for the payment item selected with the selected credit card in the credit card system and receives the payment approval result. The payment broker server transmits the received payment approval result to the merchant terminal to the mobile terminal of the user.

9 and 10 are flow charts showing the flow of an embodiment of a credit card payment method using a mobile terminal in an online shop according to the present invention.

Referring to FIG. 9, when a user intends to pay for a service purchase price of a product in an online shopping mall, the user inputs user identification information in the online shopping mall. The online shopping mall transmits the payment request message including the identifier, the purchase information, and the merchant information to the payment broker server, and the payment broker server stores the received payment request message in the payment standby list. When the user logs in to the payment broker server by running the corresponding app on the mobile terminal, the payment broker server searches the user's payment request message after searching the user information DB for identification information about the user.

Referring to FIG. 10, a user selects an item to pay, which is searched through a mobile terminal, and the payment intermediation server queries the affiliate store information through the affiliate store management system. When the user accesses the payment intermediation server through the mobile terminal and selects the credit card used for payment, the payment intermediation server accesses the credit card system to query the credit card. The discount benefits for the card are applied through the card marketing system. When the user requests the final payment through the mobile terminal, the payment intermediation server makes a card payment request to the credit card system and receives the payment approval result. The payment intermediation server transmits the payment approval result to the affiliated store and the online shopping mall.

The present invention can also be embodied as computer-readable codes on a computer-readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disks, optical data storage devices, and the like. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

So far I looked at the center of the preferred embodiment for the present invention. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

Claims (12)

In the card payment method in the card payment system that stores the user-specific card list,
Receiving payment request information including user identification information from an online or offline merchant and storing the payment request list in a payment standby list;
Transmitting a corresponding payment standby list and a credit card list to the mobile terminal when the mobile terminal is connected; And
And if a payment item and a card to be used for payment are selected in the mobile terminal in the payment wait list and the card list, processing the payment approval of the payment item with the selected card. The method of claim 1,
And transmitting the result of the payment approval to the affiliated store and the mobile terminal. The method of claim 1,
The user identification information comprises a card company code number and a serial number, the last number of the serial number card payment method characterized in that the check number. The method of claim 1,
The merchant terminal recognizes the user identification information stored or displayed as a one-dimensional or two-dimensional barcode on the mobile terminal through a barcode reader and including in the payment request information and transmitting to the card payment system; characterized in that it comprises a; Card payment method. The method of claim 1,
The storing of the payment waiting list may include: deleting a payment item having a predetermined time elapsed from the payment waiting list. The method of claim 1, wherein the payment approval processing step,
And a payment approval process by applying a payment benefit item including a point and a discount coupon corresponding to the selected card. A payment history management unit which receives payment request information including user identification information from an online or offline merchant and stores the payment request list in a payment waiting list and provides a corresponding payment waiting list to a mobile terminal;
A card history management unit for storing a user-specific card list and providing a corresponding card list to a mobile terminal; And
A card approval unit for processing payment approval of payment items with the selected card when receiving information on the payment item selected and the card to be used for payment by the mobile terminal using the payment standby list and the card list; Payment device. The method of claim 7, wherein
The card approval unit credit card payment device, characterized in that for transmitting the payment approval result to the merchant and the mobile terminal. The method of claim 7, wherein
The user identification information comprises a card company code number and a serial number, the last number of the serial number credit card payment device, characterized in that the check number. The method of claim 7, wherein
The payment history management unit credit card payment method, characterized in that for deleting a predetermined payment item elapsed from the waiting list. A payment information receiving unit which receives a payment standby list and a card list from a card payment system; And
And a payment item selection unit which transmits a result of the selection to the card payment system when a payment item and a card to be used for payment are selected using the received payment standby list and the card list. 12. The method of claim 11,
Further comprising; identification information providing unit for displaying on the screen as a one-dimensional or two-dimensional barcode so that the user identification information included in the payment request information transmitted from the merchant to the card payment system through a barcode reader; Mobile terminal.

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