KR20120076337A - Method and apparatus for processing cost payment service by using identification card - Google Patents

Abstract

PURPOSE: A payment service method using an authentication card and apparatus thereof are provided to conspicuously improve the safety of electronic payment using a network by simultaneously applying payment authentication through the authentication card. CONSTITUTION: A specific client requests the authentication of a card to an authentication server(110) by selecting one or more payment options. The authentication card server requests the authentication by transmitting the authentication information of the specific client to an authentication institution server(112). The authentication server requests the effectiveness of the payment option information to an approval institution server. The authentication card server creates a payment execution guide message. The authentication card server waits the execution of payment after providing the message to the specific client.

Description

Payment service method and device using authentication card {METHOD AND APPARATUS FOR PROCESSING COST PAYMENT SERVICE BY USING IDENTIFICATION CARD}

The present invention relates to a technique for providing a payment service according to the purchase of goods, services, services, etc. using an authentication card, and more specifically, to each individual and the pre-authentication through the selection of payment means and payment valid time. The present invention relates to a payment service method and apparatus using an authentication card suitable for providing a payment service using an authentication card (or a representative card) issued individually.

In general, when purchasing (purchasing) a product, a service, a service, or the like, as a means for paying the purchase price, for example, credit card payment, mobile phone number payment, membership card payment, account transfer, coupon payment, mileage payment, etc. Is universal.

In particular, in recent years, due to the activation of the Internet (wired Internet, wireless Internet, etc.) communication technology, the above payment is rapidly replaced by electronic payment through the Internet.In the case of electronic payment using the Internet, information of payment means There is a problem that can be easily leaked by hacking, and such problems (security problems) result in serious consumer damage, so it is absolutely necessary to further strengthen measures such as identity verification.

Republic of Korea Patent Publication No. 2009-0115346 (published: 2009. 11. 05) Republic of Korea Patent Publication No. 2011-0114872 (Published: October 20, 2011)

The present invention can provide a payment service technique that can significantly improve the safety of electronic payments using the network by simultaneously applying pre-authentication (person authentication) and payment authentication using an authentication card that can represent various payment methods. Can be.

The present invention can provide a payment service technique that can fundamentally prevent illegal leakage of payment means information due to electronic payment by integrating and managing various payment means to prevent the information of the payment means is distributed through the network.

According to an aspect of the present invention, when a specific client requests authentication by selecting at least one payment method and a payment valid time, a corresponding payment execution guide message is generated and provided to the specific client to wait for payment execution. And when the pre-registered authentication card information is received within the selected payment valid time, and provides a payment service method using the authentication card comprising the step of executing the payment using the selected payment means.

According to another aspect of the present invention, a process in which a specific client selects at least one payment method to request authentication from an authentication card server, and the authentication card server transmits authentication information of the specific client to an authentication authority server for authentication. Requesting, and when notified by the valid authentication, the authentication card server requesting the approval authority server to verify the validity of the payment means information, and when notified by the valid payment means information, the authentication card server payment Validation of authentication card information by generating an execution guide message and providing it to the specific client and waiting for payment execution, and transmitting authentication card information generated by reading a pre-registered authentication card to an affiliated store terminal to the authentication card server. Requesting verification, and when the authentication card information is valid, the authentication card server Extracting the selected payment means information mapped to the certificate card information and transmitting it to the approval authority server to request payment approval, and when the payment approval is notified, the authentication card server transmits the payment approval result to the merchant terminal; It provides a payment service method using an authentication card comprising a process.

According to another aspect of the present invention, a process in which a specific client selects at least one payment method to request authentication from an authentication card server, and the authentication card server transmits authentication information of the specific client to an authentication authority server. Requesting authentication, when notified by valid authentication, the authentication card server requesting the approval authority server to verify the validity of the payment means information, and when notified by valid payment means information, the authentication card server Generating a payment execution guide message and providing the specific client to the specific client and waiting for the payment execution; and requesting validation of the authentication card information by transmitting previously registered authentication card information inputted to the merchant homepage to the authentication card server. And the authentication card server, when the authentication card information is valid, the authentication card information. Extracting the selected payment means information mapped to the server and transmitting the selected payment method information to the approval authority server and requesting the payment approval; when the payment approval is notified, transmitting the payment approval result to the affiliated homepage. Provides a payment service method using an authentication card that includes.

According to another aspect, the present invention provides an authentication execution block for requesting authentication by transmitting authentication information of a specific client to a certification authority server when at least one payment means selected by a specific client is received, and from the certification authority server. Generates a payment means check block for requesting the approval authority server to confirm the validity of the payment means information when notified by the valid authentication, and a corresponding payment execution guide message when notified by the valid payment means information from the approval authority server. A payment management block provided to the specific client and an authentication card check block for checking whether the received authentication card information is valid information through a search of the authentication card DB when the authentication card information is received from the merchant terminal or the merchant homepage; When the received authentication card information is determined to be valid information, The payment service device using the authentication card including a payment execution block that is mapped to the received authentication card information and the selected payment means information stored in the payment means DB and transmitted to the approval authority server to request payment approval; to provide.

According to the present invention, when a client selects a payment method and a payment valid time and requests authentication, the client generates a payment execution guide message corresponding thereto and waits for the payment to be executed, and is registered within the selected payment valid time. When the authentication card information is received, the client can execute the payment using the payment method selected, thereby dramatically improving the security of the electronic payment using the network and illegally leaking the payment method information due to the electronic payment. Can be fundamentally blocked.

1 is a configuration diagram of a payment service system suitable for applying a payment service using an authentication card provided according to the present invention;
2 is a block diagram of a payment service device using an authentication card according to an embodiment of the present invention;
3 is a flowchart illustrating a main process of performing pre-authentication through selection of a payment means and a payment valid time for a payment service using an authentication card according to the present invention;
4 is a flowchart illustrating a main process of providing an online payment service using an authentication card according to an embodiment of the present invention;
5 is a flowchart illustrating a main process of providing an offline payment service using an authentication card according to another embodiment of the present invention.

In accordance with an aspect of the present invention, when a client selects at least one payment method and a payment valid time and requests authentication, the client generates a corresponding payment execution guide message and provides the corresponding client to wait for the payment to be executed. When the pre-registered authentication card information is received within the valid time, the client provides the payment service by executing the payment using the payment method selected by the client. Can be effectively improved.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

In the following description of the present invention, detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may be changed according to intention or custom of a user, an operator, or the like. Therefore, the definition should be based on the technical idea described throughout this specification.

1 is a configuration diagram of a payment service system suitable for applying a payment service using an authentication card provided in accordance with the present invention, a wired client group 102 composed of a plurality of wired clients 102/1-102 / n; Wireless client group 104, wireless communication network 106, network 108, authentication card server 110, certification authority server 112, and approval authority of multiple wireless clients 104/1-104 / n. Server 114, and the like.

Referring to FIG. 1, each wired client 102/1-102 / n in the wired client group 102 is, for example, a mobile terminal possessed by a user (eg, a buyer who wants to purchase a product, a service, a service, etc.). (Eg, a mobile phone, a smartphone, a PMP, a smart pad, a smartbook, a tablet PC, a netbook, a notebook, etc.) or a wired merchant terminal (eg, a POS terminal equipped with a card reader) provided in an affiliate store that exists offline. Wired merchant computer).

Here, when the wired client is the user's mobile terminal, the login information, payment method selection information, payment valid time selection information, authentication information, and the like are transmitted to the authentication card server 110 through the network 108, and in response thereto. A function of receiving a payment execution guide message (ie, a payment execution guide message including information on a payment valid time selected by the user) provided from the authentication card server 110 may be displayed and displayed on the display panel.

In addition, when the wired client is a merchant terminal, the authentication card information generated by reading the card reader is transmitted to the authentication card server 110 through the network 108, and the payment approval result message provided from the authentication card server 110 is provided. (E.g., a payment approval result message according to the execution of the payment service provided in accordance with the present invention) can provide a function such as receiving and displaying, authentication card entered by the user or merchant manager when the wired client is a merchant computer The information is transmitted to the authentication card server 110 via the network 108, and the payment approval result message provided from the authentication card server 110 (payment approval result message according to the execution of the payment service provided according to the present invention). It may provide a function such as receiving and displaying.

Each wireless client 104/1-104 / n in the wireless client group 104, like each wired client described above, is held by a user (e.g., a buyer who wants to purchase a product, service, service, etc.). A wireless terminal (eg, a mobile phone, a smartphone, a PMP, a smart pad, a smartbook, a tablet PC, a netbook, a laptop, etc.) or a wired affiliated terminal (eg, a card reader) provided in an affiliate store that is offline. On-board POS terminals, smartphones with wireless Internet access, PMP, smart pads, smartbooks, tablet PCs, netbooks, laptops, etc.), and each wireless client provides functions provided by each wired client. It can provide the same functions as

Here, the network 108 means a wired communication network including the Internet and the like, and the wireless communication network 106 is, for example, a second generation (2G) communication network, a third generation (3G) communication network, a fourth generation (4G) communication network, a fifth generation. (5G) may mean a wireless communication network that includes any one or a combination of at least two or more communication networks.

Next, the authentication card server 110 refers to, for example, a payment service apparatus according to the present invention, and transmits the payment means information of the payment means received from any client (user portable terminal) to the authentication authority server 112. Request for authentication by transmitting, requesting the approval authority server 114 to validate the payment means information, and when it is confirmed as valid payment method information, generates a payment execution guide message corresponding thereto and transmits it to the user's mobile terminal, When the authentication card information received from any client (Merchant Terminal or Merchant Homepage) is valid information, it provides a function such as requesting payment approval by transmitting the payment method information of the payment method selected by the user to the approval authority server 114. More specific functions will be described in detail with reference to FIG. 2.

Here, the certification authority server 112 refers to a server of an institution or a center that provides an identity authentication service through, for example, authentication using an authorized certificate, real name authentication, mobile terminal authentication, and the like. Send authentication information for any client to authenticate the identity when requesting authentication (personal authentication), and transfer the authentication result (valid or invalid authentication result) to the authentication card server 110. Can provide. At this time, the identity verification may be, for example, authentication using a certificate, real name authentication, mobile terminal number authentication.

In addition, the approval institution server 114 refers to a website or portal site that provides online goods such as, for example, a financial institution server (eg, a bank server, a card company server, etc.), a coupon service server, mileage, membership points, and the like. In addition, the authentication card server 110 checks the validity by transmitting payment method information (for example, credit card number, financial account number, mobile terminal number, coupon number, user ID for mileage or membership point, etc.) for any client. When the request is requested, the validity can be checked, and a function of delivering the validity verification result (validation result or invalidity verification result) to the authentication card server 110 can be provided.

In addition, although not illustrated in FIG. 1, the payment service system issues an authentication card to a user of the corresponding client by issuing an authentication card according to a request from the authentication card server 110, and sends the authentication card number information issued to the corresponding client. It may further include an authentication card issuing server for providing a function such as transmitting to the authentication card server 110 through the network 108.

2 is a block diagram of a payment service apparatus using an authentication card according to an embodiment of the present invention, which includes a payment service processing module 210 and a DB module 220 when largely classified. 210 may include a member management block 211, an authentication execution block 212, a payment method check block 213, a payment management block 214, an authentication card check block 215, a payment execution block 216, and the like. The DB module 220 may include a member information DB 221, a payment method DB 223, an authentication card DB 225, a transaction information DB 227, and the like.

2, the member management block 211 is a mobile terminal user who wants to receive a payment service using the authentication card provided in accordance with the present invention, the member information (for example, name, gender, age, ID, password, E-mail address, address, mobile terminal number, financial account number, coupon number, website or portal site user ID, etc.) is sent when requesting membership registration, extract the relevant member information received and stored in the member information DB (221) Register as a user member, command the issuance of an authentication card to the authentication card issuing server (not shown) when registering as a user member, and receive the authentication card when the card number information of the authentication card issued from the authentication card issuing server is received. Functions such as storing (registering) in the DB 225 can be provided. Herein, the mobile terminal number, the financial account number, the coupon number, the user ID of the website or the portal site may be stored together with the user ID in the payment means DB 223 as payment means information.

In addition, the member management block 211 requests member registration by transmitting member information (merchant name, manager name, gender, age, ID, password, e-mail address, address, mobile terminal number, landline number, etc.) from the merchant manager. When storing the received relevant member information in the member information DB (221) may provide a function such as registering as a member of the merchant. In addition, the member management block 211 performs member authentication through the search of the member information DB 221 when a user member who is previously registered as a service member provides login information, and notifies the corresponding client of the authentication result message. Function and the like. In this case, the authentication result message includes a payment method selection item for selecting a payment method (eg, a credit card, bank transfer, mobile terminal, coupon, membership point, mileage, etc.) and a valid time selection for selecting a payment valid time. Item is included, and may optionally include an item for entering a payment password.

That is, the member management DB 221 stores member information of each user member and member information of each affiliated member, and the payment means DB 223 stores payment means information of each user member registered as a service member. The authentication card DB 225 stores authentication card number information for authentication cards issued to each user member registered as a service member.

Next, the authentication execution block 212 allows any client that accesses the authentication card server 110 to accept one or two of at least one payment method (eg, credit card, bank transfer, mobile terminal, coupon, membership point, mileage). Above) and a payment valid time (for example, 2 minutes, 3 minutes, 4 minutes, 5 minutes, etc.) to request authentication (personal authentication), the authentication information of the client is transmitted through the network 108 to the certification authority server ( 112) to provide a function such as requesting authentication. Here, the authentication may be any one of a public certificate, a real name authentication, a mobile terminal authentication, the authentication information is the information provided by the client when requesting the authentication (for example, public certificate, real name / resident number, etc.) or It may be information (eg, a mobile terminal number) previously stored in the member information DB 221.

When the payment method check block 213 is notified of valid authentication from the certification authority server 112 in response to the request for the authentication of the user, the payment method DB 223 displays the payment method information on the payment method selected by the corresponding client user. After the withdrawal from the network 108 may be transmitted to the approval authority server 114 via the network 108 to provide a function such as requesting the validity of the payment means information (for example, whether the payment, limit check, etc.).

In addition, when the payment management block 214 is notified of valid payment method information from the approval authority server 114 in response to the validation request, the payment execution guide message (that is, includes information on the payment valid time) After the payment execution guide message) is generated, a function such as providing to a corresponding client (user portable terminal, etc.) through the network 108 and the wireless communication network 106 may be provided.

Next, the authentication card check block 215 searches for the authentication card DB 225 when the authentication card information for the payment is received from the merchant that sells the goods, services, services, and the like, that is, the merchant terminal or the merchant homepage. It is possible to provide a function of checking whether the received authentication card information is valid information, and delivering it to the payment execution block 216 when it is determined to be valid information.

Here, the authentication card information transmitted by the client (the merchant terminal or the affiliate website) to the authentication card server 110 is information obtained by reading the authentication card through the card reader mounted on the merchant terminal when the client is the merchant terminal. When the client is the affiliated homepage, it may be information inputted by a user (buyer) or a merchant manager through an input means.

In addition, the authentication card check block 215 generates a corresponding payment failure message when a valid authentication card information is not received from the client (the merchant terminal or the merchant homepage) within the payment valid time selected by the user, thereby generating a network failure 108. It can provide a function such as sending to the client through.

Finally, when the payment execution block 216 is notified of the valid information from the authentication card check block 215, the payment execution unit DB 223 searches for the payment method information mapped to the received authentication card information, and then the network 108 Request the payment approval by transmitting to the approval authority server 114, and in response to the payment approval from the approval authority server 114, the payment approval result message is transmitted to the merchant terminal or the merchant website, and It may provide a function such as extracting the transaction information according to the payment approval and store in the transaction information DB (227).

Here, the payment execution block 216 may also notify (eg, SMS, MMS, etc.) of the payment approval result message to the mobile terminal of the user who requested the payment service and / or the mobile terminal of the merchant manager.

On the other hand, in the embodiment of the present invention has been described as building the DB module divided into a member information DB, payment means DB, authentication card DB and transaction information DB, but this is an exemplary presentation date for the convenience of explanation and enhancement of understanding However, the present invention is not necessarily limited thereto, and of course, all related DBs may be constructed as one integrated DB.

Next, a series of processes for providing a payment service to each user member and each merchant member using the payment service device of the present embodiment having the above-described configuration will be described.

3 is a flowchart illustrating a main process of performing pre-authentication by selecting a payment means and a payment valid time for a payment service using an authentication card according to the present invention.

Referring to FIG. 3, when an arbitrary client connects to the authentication card server 110 (executes a payment service program) and inputs login information, the input login information is transmitted to the authentication card server 110 (step). 302).

In response, the member management block 211 in the authentication card server 110 authenticates whether or not the user is a registered user member as a service member by searching the member information DB 221, and the authentication result (member login authentication). Result) The message is provided to the client (step 304). In this case, the authentication result message includes a payment method selection item for selecting a payment method (for example, credit card, bank transfer, mobile terminal, coupon, membership point, mileage, etc.) and a valid time selection item for selecting a payment valid time. It may be included, and may optionally include an item for entering a payment password.

Accordingly, the client user may request pre-authentication (personal authentication) after selecting one or more payment methods and a payment validity time. When the client user requests authentication (step 306), the authentication execution block 212 The authentication information of the client is transmitted to the certification authority server 112 to request identity authentication (step 308). Here, the authentication information may be information provided by the corresponding client when requesting authentication (eg, a public certificate, real name / resident number, etc.) or information previously stored in the member information DB 221 (eg, a mobile terminal number). Can be. In addition, selecting two or more payment means means selecting a multiple payment (eg, coupon + credit card, mileage + bank transfer, coupon + mileage, membership point + mileage, etc.).

Next, the certification authority server 112 performs identity authentication through authentication using the authentication information received through the network 108, and then notifies the authentication result to the authentication card server 110 (step 310).

In the payment method check block 214, when the authentication authority server 112 is notified of valid authentication, the client 108 retrieves the payment method information of the payment method selected by the client user from the payment method DB 223, and then the network 108. Through the request to the approval authority server 114 to check the validity of the payment means information (for example, whether the payment is possible, limit check, etc.).

In response, the approval authority server 114 confirms whether the payment means information is valid and notifies the verification result to the authentication card server 110 (step 312). In the payment management block 214, the approval authority server 114 When the method of payment information is notified as valid, a corresponding payment execution guide message (that is, a payment execution guide message including information on the payment valid time) is generated and transmitted to the corresponding client (user mobile terminal, etc.). After the payment method selection result is notified), the standby status for the payment method is maintained (step 314).

Therefore, the client user can request the payment service using the authentication card information within the payment valid time selected by the client.

Next, the processes of executing the payment service using the authentication card within a given time (payment valid time selected by the user) with pre-authentication (or identity verification) by executing the above-described series of processes. Explain.

4 is a flowchart illustrating a main process of providing an online payment service using an authentication card according to an embodiment of the present invention.

Referring to FIG. 4, a client user who selects a product, a service, or a service to purchase delivers an authentication card, and the authentication card information read through the card reader in the merchant terminal is authenticated through the network 108. Is sent (step 402).

In response, the authentication card server 110 searches the authentication card DB 225 to check the validity of the authentication card (step 404), and the payment means mapped to the corresponding authentication card by searching the payment means DB 223. (Step 406), the payment method information of the payment method mapped from the payment method DB 223 is extracted and transmitted to the approval authority server 114 (step 408).

Next, the approval authority server 114 approves the payment (or complex payment) requested from the authentication card server 110, and transmits the payment approval result to the authentication card server 110 through the network 108 ( Step 410).

As a result, the payment execution block 216 in the authentication card server 110 transmits a payment approval result message notified from the approval authority server 114 to the affiliated store terminal, where the payment execution block 216 is a transaction according to the payment approval. Information may be extracted and stored in the transaction information DB 227 (step 412). Here, the payment execution block 216 may also notify (eg, SMS, MMS, etc.) of the payment approval result message to the mobile terminal of the user who requested the payment service and / or the mobile terminal of the merchant manager.

5 is a flowchart illustrating a main process of providing an offline payment service using an authentication card according to another embodiment of the present invention.

Referring to FIG. 5, when a client user or a merchant manager who selects a product, a service, or a service to purchase, accesses a merchant homepage, inputs authentication card information through an input means, and requests a payment service, the merchant homepage receives the payment. The received authentication card information is transmitted to the authentication card server 110 (step 502).

In response, the authentication card server 110 searches the authentication card DB 225 to check the validity of the authentication card (step 504), and searches the payment means DB 223 and the payment means mapped to the corresponding authentication card. (Step 506), the payment method information of the payment means mapped from the payment method DB 223 is extracted and transmitted to the approval authority server 114 (step 508).

Next, the approval authority server 114 approves the payment (or complex payment) requested from the authentication card server 110, and transmits the payment approval result to the authentication card server 110 through the network 108 ( Step 510).

As a result, the payment execution block 216 in the authentication card server 110 transmits a payment approval result message notified from the approval authority server 114 to the merchant homepage, where the payment execution block 216 is a transaction according to the payment approval. The information may be extracted and stored in the transaction information DB 227 (step 512). Here, the payment execution block 216 may also notify (eg, SMS, MMS, etc.) of the payment approval result message to the mobile terminal of the user who requested the payment service and / or the mobile terminal of the merchant manager.

In the above description has been described by presenting a preferred embodiment of the present invention, but the present invention is not necessarily limited to this, and those skilled in the art to which the present invention pertains within a range without departing from the technical spirit of the present invention It will be readily appreciated that branch substitutions, modifications and variations are possible.

102: wired client group 102/1-102 / n: wired client
104: wireless client group 104/1-104 / n: wireless client
110: authentication card server 112: certificate authority server
114: approval authority server 210: payment service processing module
211: member management block 212: authentication execution block
213: payment method check block 214: payment management block
215: Authentication card check block 216: Payment execution block
220: DB module 221: member information DB
223: payment method DB 225: authentication card DB
227: Transaction Information DB

Claims (21)

When a specific client requests authentication by selecting at least one payment method and a payment valid time, generating a corresponding payment execution guide message and providing the same to the specific client and waiting for payment execution;
Executing payment by using the selected payment means when pre-registered authentication card information is received within the selected payment valid time;
Payment service method using an authentication card comprising a.
The method of claim 1,
The at least one payment means,
The payment means selected by the specific client and pre-registered in the authentication card server
Payment service method using an authentication card.
Requesting an authentication card server to authenticate a specific client by selecting at least one payment method;
Requesting authentication by the authentication card server transmitting authentication information of the specific client to an authentication authority server;
When the authentication card server is notified of valid authentication, requesting the authorization authority server to confirm the validity of the payment means information;
When notified by the valid payment method information, the authentication card server generating a payment execution guide message and providing the specific client to wait for payment execution;
Transmitting the authentication card information generated by reading the previously registered authentication card to the affiliated terminal to the authentication card server and requesting validation of the authentication card information;
When the authentication card information is valid, the authentication card server extracting the selected payment means information mapped to the authentication card information and transmitting the information to the approval authority server to request payment approval;
When the payment approval is notified, the authentication card server transmitting the payment approval result to the affiliated store terminal
Payment service method using an authentication card comprising a.
The method of claim 3, wherein
The at least one payment means,
The payment means selected by the specific client and pre-registered in the authentication card server
Payment service method using an authentication card.
The method of claim 3, wherein
The payment execution guide message,
Which contains information about the validity of the payment
Payment service method using an authentication card.
The method of claim 5, wherein
The payment valid time is,
Selected by the specific client
Payment service method using an authentication card.
The method according to claim 6,
The payment valid time is,
Selected at the time of selection of the payment means
Payment service method using an authentication card.
The method of claim 3, wherein
The method comprises:
Updating the transaction information according to the payment approval in the transaction information DB when the payment approval is notified;
Payment service method using the authentication card further comprising.
Requesting an authentication card server to authenticate a specific client by selecting at least one payment method;
Requesting authentication by the authentication card server transmitting authentication information of the specific client to an authentication authority server;
When the authentication card server is notified of valid authentication, requesting the authorization authority server to confirm the validity of the payment means information;
When notified by the valid payment method information, the authentication card server generating a payment execution guide message and providing the specific client to wait for payment execution;
Requesting validation of the authentication card information by transmitting previously registered authentication card information inputted to an affiliate store homepage to the authentication card server;
When the authentication card information is valid, the authentication card server extracting the selected payment means information mapped to the authentication card information and transmitting the information to the approval authority server to request payment approval;
When the payment approval is notified, the authentication card server transmits the payment approval result to the merchant homepage
Payment service method using an authentication card comprising a.
The method of claim 9,
The at least one payment means,
The payment means selected by the specific client and pre-registered in the authentication card server
Payment service method using an authentication card.
The method of claim 9,
The payment execution guide message,
Which contains information about the validity of the payment
Payment service method using an authentication card.
The method of claim 11,
The payment valid time is,
Selected by the specific client
Payment service method using an authentication card.
The method of claim 12,
The payment valid time is,
Selected at the time of selection of the payment means
Payment service method using an authentication card.
The method of claim 9,
The method comprises:
Updating the transaction information according to the payment approval in the transaction information DB when the payment approval is notified;
Payment service method using the authentication card further comprising.
An authentication execution block for requesting authentication by transmitting authentication information of the specific client to the certification authority server when at least one payment method selected by the specific client is received;
A payment means check block for requesting the approval authority server to confirm the validity of the payment means information when notified by the certification authority server of valid authentication;
A payment management block which generates a payment execution guide message corresponding to the valid payment means information from the approval authority server and provides the payment information to the specific client;
When the authentication card information is received from the merchant terminal or the merchant homepage, an authentication card check block for checking whether the received authentication card information is valid through search of the authentication card DB,
When the received authentication card information is determined to be valid information, the selected payment means information is mapped to the received authentication card information and stored in the payment means DB, and then sent to the approval authority server to request payment approval. Payment execution block
Payment service device using an authentication card comprising a.
The method of claim 15,
The at least one payment means,
The information selected by the specific client and pre-registered in the payment means DB
Payment service device using an authentication card.
The method of claim 15,
The payment execution guide message includes information about a payment valid time,
The payment execution block,
When valid authentication card information is received within the payment valid time, requesting the payment approval
Payment service device using an authentication card.
The method of claim 17,
The payment valid time is,
Selected by the specific client
Payment service device using an authentication card.
The method of claim 17,
The authentication card check block,
When valid authentication card information is not received within the payment valid time, a corresponding payment failure guide message is generated and transmitted to the affiliated store terminal or the affiliated store homepage.
Payment service device using an authentication card.
The method of claim 15,
The payment execution block,
When a payment approval is notified from the approval authority server, the payment approval result is transmitted to the affiliated store terminal or the affiliated store homepage.
Payment service device using an authentication card.
The method of claim 15,
The payment execution block,
When payment approval is notified from the approval authority server, transaction information according to the payment approval is updated in the transaction information DB.
Payment service device using an authentication card.

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