KR20150034042A - Method for authenticating card-payment and systems thereof - Google Patents

Method for authenticating card-payment and systems thereof Download PDF

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Publication number
KR20150034042A
KR20150034042A KR20130114108A KR20130114108A KR20150034042A KR 20150034042 A KR20150034042 A KR 20150034042A KR 20130114108 A KR20130114108 A KR 20130114108A KR 20130114108 A KR20130114108 A KR 20130114108A KR 20150034042 A KR20150034042 A KR 20150034042A
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Prior art keywords
card
payment
settlement
request
request signal
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KR20130114108A
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Korean (ko)
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김동진
김대진
심충섭
고진숙
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주식회사 씽크풀
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Priority to KR20130114108A priority Critical patent/KR20150034042A/en
Publication of KR20150034042A publication Critical patent/KR20150034042A/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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • 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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q20/409—Device specific authentication in transaction processing

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

Abstract

A card payment authentication method and a system therefor are disclosed. The card payment authentication method determines whether a specific event has occurred in the mobile terminal in which the card payment authentication system is a user and the user's card is a card set in principle not allowed by the payment side system And transmitting the request signal to the payment-side system corresponding to the card, when the card-payment-authentication system determines that the specific event has occurred, in response to the transmitted request signal, The payment request using the card received within a predetermined time before or after the time when the specific event is generated or the time at which the request signal is transmitted is exceptionally approved.

Description

A card payment authentication method, a card payment authentication system, and a method for authenticating card payment and systems thereof,

The present invention relates to a card payment authentication system and a method thereof, and more particularly, to a card payment authentication system and a method thereof. More particularly, the present invention relates to a card payment authentication system and a method thereof, The present invention relates to an active card payment authentication method and system thereof.

Due to the development of the network, many people access the network system and use various services or functions. Of these various services, an especially important service may be a payment service.

Among the payment services, the card payment is a non-face-to-face service that is performed when a person (device) requesting payment and a person (device) approving payment make a communication through the network. Therefore, if you are holding a card as a payment method or knowing the card information, it often happens that payment is approved even though it is not actually the cardholder.

Various security or authentication procedures have been known to address these problems. Such an example is disclosed in Korean patent (application No. 10-2011-0124828, card payment authentication system and method), Korean patent (registration No. 10-1046504, credit card payment approval method and credit card payment approval system) Korean Patent Application No. 10-2003-0007670, a credit card payment approval method using a wireless terminal, and a computer-readable recording medium recording a program for executing the method.

However, in the conventional method, when it is suspected that the request is a fraudulent settlement request (for example, when the position of the party user is different from that of the settlement request, or when the country where the payment is requested is different from the roaming country) ) Or messaging to the card holder, which is expensive. That is, there is a process of confirming the user's intention to approve through messaging or call from the payment side system (for example, credit card company system). However, there is a problem that the related cost is high.

In addition, the conventional method is a passive payment authentication method in which only the payment side system leads the payment control and the intention of the user to approve the payment is always manually reflected. That is, the active billing authentication method that controls the user to make approval of the payment request for a specific payment request, and prevents the settlement of the original payment unless it is more secure, and does not receive a noisy message or call , But the conventional method is not.

In addition, since the user's approval confirmation of the specific payment (for example, suspected payment) is performed manually by the payment-side system, it is necessary for the user to receive the message or the call received from the payment- In addition, it is often the case that a message or a call is not answered in the case of a moving or a meeting.

Also, there is a problem that it is difficult to grasp the position of a specific user (for example, when the user is located overseas) or high cost is incurred. Also, when determining whether the payment is approved through the comparison of the location or using the information about the roaming country, there is a problem that it can not be filtered if there is an unauthorized payment request in the same location or roaming country.

Therefore, there is a need for a technical idea that enables users to actively participate in the billing authentication process and determine whether to approve the payment in a relatively safe and simple manner at low cost.

SUMMARY OF THE INVENTION Accordingly, the present invention has been made in view of the above problems, and it is an object of the present invention to provide a method and system for blocking a payment request using a predetermined card (or a payment request corresponding to a specific condition among payment requests) When a specific event occurs in the mobile terminal (for example, when the user performs short-range wireless communication using the mobile terminal, the mobile terminal authenticates the user, or receives a signal indicating authentication from the predetermined network system) (Or unblocking) the payment only to provide a user-oriented active billing authentication method, and to provide a technical idea that can reduce the associated costs of confirming the user's intention to approve the payment .

Further, when it is determined that the user occupies both the card of the user name and the mobile terminal of the user name by the action (or event) to be performed by the mobile terminal (for example, A technical idea that can not be settled unless the owner of the mobile terminal is allowed to carry out the payment even if the specific card is illegally copied or the card information is leaked, .

When the specific event to be generated by the user (mobile terminal) is short-range wireless communication between the user's specific card and the user's mobile terminal, whether or not the specific card and the mobile terminal are occupied is determined (E.g., NFC tagging) is performed, thereby providing a technical idea that can provide convenience for the user.

According to another aspect of the present invention, there is provided a method for authenticating a payment card, the method comprising the steps of: setting a card payment authentication system as a user; Determining whether a specific event has occurred in the mobile terminal of the card, and if the specific event has occurred, transmitting the request signal to the payment-side system corresponding to the card, In response to the transmitted request signal, the payment request system using the card received within a predetermined time before or after the time when the specific event is generated or the time at which the request signal was transmitted is exceptionally approved .

Wherein the card is a card set so that only a filtering settlement request message corresponding to a specific condition among the settlement request messages using the card is in principle not allowed and that the specific event is generated by the payment system in response to the transmitted request signal And a filtering settlement request using the card received within a certain period of time before or after the time point when the request signal is transmitted or the time when the request signal is transmitted is exceptionally approved.

Wherein the card payment authentication system transmits a request signal to a payment-side system corresponding to the card, wherein the card payment authentication system includes card identification information for identifying the card, And the card on which the short-range wireless communication is performed is identified by the payment-side system based on the request signal.

The filtering settlement request may be a settlement request for at least one of a settlement amount, a settlement time, a medium for performing a settlement request, or a type of a merchant for making a settlement request.

And the filtering settlement request using the card is exceptionally approved by the payment-side system if the mobile terminal that transmitted the request signal corresponds to the user name of the card.

The specific event may include at least one of events in which the mobile terminal and the card are performing near field wireless communication or events in which the user is authenticated by the predetermined network system connected to the mobile terminal or the mobile terminal through a wire / .

The request signal may be output to the payment-side system according to a user's request even if an approval request for confirming approval of the payment request is not received from the payment-side system.

A method for solving the above technical problem is characterized in that a card payment authentication system is a user and a card of the user is a card set so that the payment request using the card is in principle not allowed by the payment side system, Wherein the card payment authentication system transmits a request signal to a payment-side system corresponding to the card when it is determined that the specific event has occurred, Side system sets the settlement request using the card to the settlement enabled state.

Wherein the card payment authentication method further comprises a step in which the card payment authentication system receives period information from the mobile terminal, and the step of the request transmitting step of the card payment authentication system to the payment- Wherein the settlement side system receives the request signal and transmits the settlement period information to the settlement side system during the period corresponding to the period information. have.

And the settlement request is set to the settlement state if the mobile terminal that transmitted the request signal corresponds to the user name of the card.

A method for solving the technical problem includes a step in which a settlement side system sets a card settlement case using a predetermined card in principle not to be allowed, the settlement side system transmits a request signal from a card settlement authentication system to a mobile terminal Receiving the request signal from the card payment authentication system when the specific event is generated, receiving the request signal from the card payment authentication system in response to the received request signal, And accepting a request for a payment request using the card, which is requested within a predetermined time before or after the time point.

The method for solving the above technical problem is characterized in that the settlement side system sets the card settlement case using the user's card to the settlement disabled state, the settlement side system receives the request signal from the card settlement authentication system, Wherein the payment request system is configured to set a settlement request using the card to a settlement enabled state in response to a request signal, wherein the request signal instructs the payment settlement system And output to the system.

Wherein the settlement side system sets the card settlement case using the user's card to the settlement disabled state, the settlement side system sets only the filtering settlement request case corresponding to a specific condition among the card settlement cases using the card to the settlement disable state Wherein the settlement system sets the settlement request using the card to the settlement enable state in response to the received request signal, And setting the key to the settlement enabled state.

Wherein the settlement side system sets the settlement request using the card to the settlement enabled state in response to the received request signal, when the settlement side system includes the period information in the request signal, And setting the settlement request using the card to a settlement enabled state only for a period corresponding to the period information.

The above method can be stored in a computer-readable recording medium on which the program is recorded.

According to another aspect of the present invention, there is provided a system comprising: a determination module for determining whether a specific event has occurred in a user's mobile terminal; And a control module that transmits a request signal to the payment-side system corresponding to the payment-request-use event, which is a card set in principle not permitted by the payment-side system, in response to the transmitted request signal, The settlement request request using the card is changed to a settlement state.

Wherein the control module includes card identification information for identifying the card or period information received from the mobile terminal, and transmits the request signal including the card identification information to the payment-side system, And the payment request is converted into a settlement state only during a period in which the card corresponding to the card identification information corresponds to the period information.

The system for solving the above-mentioned technical problem is characterized in that the system comprises a user terminal for judging whether a specific event has occurred in the mobile terminal whose user's card is a card whose payment request using the card is set in principle not allowed by the payment side system And a control module for transmitting a request signal to the payment-side system corresponding to the card when it is determined that the specific event has occurred, wherein the payment- The payment request request using the card requested before or after the time when the event is generated or the time point at which the request signal is transmitted is exceptionally approved.

Wherein the card is a card set so that only a filtering settlement request corresponding to a specific condition among the settlement request requests using the card is in principle not allowed by the settlement system in principle, The system may exceptionally approve the payment settlement request request using the card requested within a predetermined time before or after the time when the specific incident occurred or the time at which the request signal was transmitted.

The control module outputs the request signal to the payment-side system when the specific event is generated according to the user's intention even if an approval request for confirming approval of the payment request is not received from the payment-side system Can be done

According to another aspect of the present invention, there is provided a system including a status switching module for setting a non-settlement status or a settlement enabling status indicating whether a payment request using a card is permitted, a receiving module for receiving a request signal from the card payment authentication system, And an approval module for approving a payment request using the card when the payment request using the card is in a payment state, wherein the status conversion module outputs an output from the card payment authentication system The payment request using the card is switched to the settlement enabled state in response to the request signal.

Wherein the state transition module sets a non-settlement state or a settlement state indicating whether the filtering settlement request case corresponding to a specific condition among the settlement request cases is allowed, and the approval module, when the filtering settlement request case is in a settlement state, And the state transition module switches the filtering settlement request to the settlement enabled state in response to the request signal output from the card payment authentication system when a specific event is generated in the mobile terminal .

According to another aspect of the present invention, there is provided a system comprising: a state transition module for setting a non-settlement state or a settlement state indicating whether a payment request using a card is permitted; A receiving module for receiving a payment request from the card payment authentication system when a specific event has occurred in the terminal, and an approval module for approving the payment request using the card when the payment request using the card is available for payment Wherein the approval module selects the payment request using the requested card within a predetermined time period before or after the time when the request signal is transmitted or the time when the specific event is generated in response to the received request signal .

Wherein the state transition module sets a non-settlement state or a settlement state indicating whether the filtering settlement request case corresponding to a specific condition among the settlement request cases is allowed, and the approval module, when the filtering settlement request case is in a settlement state, The approval module accepts the request for filtering payment, and the approval module responds to the received request signal by using the card requested within a predetermined period of time before or after the time when the request signal is transmitted or when the specific event is generated And selectively approving the filtering settlement request

According to the technical idea of the present invention, the payment is made only when the user actively discloses the intention of payment (i.e., only when a specific event occurs in the mobile terminal), thereby reducing the possibility of the illegal settlement drastically .

Further, since the technical idea of the present invention is an active settlement authentication method based on a user, the authentication cost of the user can be reduced as compared with a passive settlement authentication method of the settlement side system of the related art.

Also, there is an effect that the user does not need to receive a noise message or a call by blocking (not allowing) a payment request (or a payment request corresponding to a specific condition) as an active payment authentication method based on a user.

In addition, since the settlement side does not require the user to request approval and confirm the payment, the settlement can be performed quickly.

In addition, when the specific event is the short-range wireless communication, it is possible to transmit the payment intention through the short-range wireless communication to the payment side.

Also, there is an effect that a problem that the user may not receive an approval request from the settlement side even though the user intends to settle the settlement can be solved.

Further, when the specific event is the short-range wireless communication between the specific card and the mobile terminal, only the payment is approved or the payment is settable only when it is determined that the mobile terminal occupies both the specific card and the user's name. There is an effect that can be further improved.

BRIEF DESCRIPTION OF THE DRAWINGS A brief description of each drawing is provided to more fully understand the drawings recited in the description of the invention.
1 shows a schematic system configuration for a card payment authentication method according to an embodiment of the present invention.
2 is a view for explaining conditions of a filtering settlement request request according to an embodiment of the present invention.
3 is a view for explaining embodiments of a card payment and authentication system according to an embodiment of the present invention.
4 shows a schematic configuration of a card settlement authentication system according to an embodiment of the present invention.
5 shows a schematic configuration of a settlement-side system according to an embodiment of the present invention.
6 is a flowchart illustrating a process of a card payment authentication method according to an embodiment of the present invention.
7 is a flowchart illustrating a process of a card payment authentication method according to another embodiment of the present invention.

In order to fully understand the present invention, operational advantages of the present invention, and objects achieved by the practice of the present invention, reference should be made to the accompanying drawings and the accompanying drawings which illustrate preferred embodiments of the present invention.

Also, in this specification, when any one element 'transmits' data to another element, the element may transmit the data directly to the other element, or may be transmitted through at least one other element And may transmit the data to the other component.

Conversely, when one element 'directly transmits' data to another element, it means that the data is transmitted to the other element without passing through another element in the element.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the preferred embodiments of the present invention with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

1 shows a schematic system configuration for a card payment authentication method according to an embodiment of the present invention.

Referring to FIG. 1, a user's mobile terminal 10 may be provided to implement a card payment authentication method according to an embodiment of the present invention. And a settlement side system 200 capable of approving card settlement.

The payment-side system 200 in the present invention may be a system of the card company directly accepting or disapproving the card settlement, or may be defined to include all systems involved in the card settlement in conjunction with the card company system. For example, if the system is a subject system capable of participating in a process of approving a card settlement, such as a system of a financial institution, a VAN company system, a payment gateway (PG) system or an overseas settlement system related to settlement of a financial institution, May be included in the system 200.

The user can use a card 20 owned by him to designate a predetermined merchant system 30 or 40 (including a payment terminal 30 installed at an affiliate shop or an online payment system 40 associated with an online site) And the merchant system 30 or 40 can make a payment request to the payment system 200. [ Then, the payment-side system 200 may determine whether or not the payment is approved according to the technical idea of the present invention, and then transmit the payment approval to the merchant system 30 or 40. Of course, when the merchant system 30 or 40 makes a payment request to the payment system 200 or when the payment system 200 approves payment with the merchant system 30 or 40, But also through a payment network (not shown).

According to the technical idea of the present invention, all settlement requests using the card 20 can be set by the payment system 200 so that settlement can not be originally permitted. The settlement side system 200 can set the settlement request using the specific card of the user or all the cards of the user as the payment request is not allowed at the request of the user. According to the technical idea of the present invention, when a specific event occurs in the mobile terminal of the user, that is, when the user performs a specific action using the mobile terminal, the payment request is limitedly approved, State can be switched. That is, the payment authentication method can be an active payment authentication method based on the user.

In this case, there is an effect that the card can be completely switched by the user to a card usable for a temporary or user-desired period or to an unusable card.

The technical idea of the present invention is that the technical idea of the present invention may be applied to all settlement requests using a predetermined card, but only the settlement request corresponding to a specific condition among the payment requests using the card may be applied to the technical idea May be applied.

Hereinafter, for convenience of description, the case where the technical idea of the present invention is applied only to the payment request subject to a specific condition among the payment request cases using the card will be described as a main embodiment, May be applied to all settlement requests as described above. In addition, the specific conditions may also be adaptively changed by a user (or a payment-side system).

According to the technical idea of the present invention, a settlement request request (hereinafter referred to as a 'filtering settlement request request') corresponding to a specific requirement among the settlement request requests using the card 20 is transmitted to the payment- (Not shown). Accordingly, the filtering settlement request may not be allowed regardless of who is requesting settlement, and exceptionally, when the party name of the card 20 performs a specific action, that is, The filtering settlement request may be allowed to be restricted in a case where a specific event occurs in the filtering settlement request. Or a period during which the filtering settlement request can be limited when the party name has performed a specific action (when a specific event occurs in the mobile terminal).

A user can define a payment pattern, that is, a filtering settlement request, that is, a payment pattern that the user himself or herself should not use in order to allow payment even if he or she uses the specific action actively.

Such an example is shown in Fig.

2 is a view for explaining conditions of a filtering settlement request request according to an embodiment of the present invention.

Referring to FIG. 2, a condition for defining a filtering settlement request may be, for example, a settlement amount and a settlement time. For example, the name of the card 1 can set a settlement request of a predetermined amount (e.g., 100,000 won) as a filtering settlement request according to the technical idea of the present invention. The name of the card 2 can set a filtering settlement request according to the technical idea of the present invention for a payment request of a predetermined amount (e.g., 200,000 won) or more.

In addition, the user may set the time when he or she does not perform the settlement to a condition defining the filtering settlement request. For example, the name of the card 1 may set a payment request made from 21:00 to 06:00 as a filtering payment request. The name of the card 2 may not be set at all for the settlement time.

The filtering settlement request may be defined according to the settlement amount and / or the settlement time, and the settlement request system corresponding to the filtering settlement request may not be originally allowed to settle the settlement request.

Meanwhile, according to the technical idea of the present invention, the settlement type can be further set as a condition defining the filtering settlement request. In the case of defining the filtering settlement request through the settlement type, the user can indirectly force the use of the card according to the plan set by the user. This is because the settlement request set as the filtering settlement request actually reduces the probability of the user making a settlement and makes the consumption of the card settlement one more conscious.

And it can be very important to be able to define a filtering payment request through the type of payment for this deliberate card use.

The settlement type can be defined by the type of the medium participating in the card settlement and / or the type of the franchisee. For example, the medium may be a medium participating in a process of requesting settlement such that an internet settlement is not performed using the card or a filtering settlement request using an overseas settlement network is not used. The type of the medium may be, for example, a wired Internet payment, a mobile payment, an offline payment, or an overseas payment. The user of the card 1 defines payment and overseas settlement through the Internet as a filtering settlement request.

On the other hand, the type of the franchisee may mean a specific franchisee (for example, a specific site), or an industry type of a franchisee (for example, entertainment industry, restaurant industry, etc.).

Since the filtering payment requester can be set among the payment requests according to the type of payment, the user can control the use of his / her own card in a deliberate manner, and can effectively control the use of the card of the other person allowed by the user have.

In addition, the payment request transmitted to the payment-side system 200 includes information that can identify the requirements (e.g., payment amount, payment time, payment type, etc.) that can define the filtering payment request. The average expert in the field of technology will be able to easily reason.

It should be noted that the requirements for defining the filtering settlement request may be determined in advance by the payment-side system 200 in accordance with the property of the user, either uniformly or in advance.

Referring again to FIG. 1, as described above, the payment system 200 determines whether the payment request received from the merchant system 30 or 40 (or the filtering payment request among the payment requests) is approved The criterion may be whether a specific action has been performed by the user, that is, whether a specific event has occurred in the mobile terminal.

The specific action may be an action capable of grasping that the specific action is performed by a legitimate user (the name of the card 20 or the name of the mobile terminal 10). When a user performs a specific action using his / her mobile terminal, a specific event corresponding to the specific action may be generated in the mobile terminal.

For example, the specific action may include authentication information (e.g., password, secret pattern, biometric information, etc.) registered in advance in a predetermined network system that can be connected to the card payment authentication system 100 or the card payment authentication system 100 Or may be a personal authentication action entered by the user (via the mobile terminal 10).

According to an embodiment, the specific action may include disposable authentication information (e.g., OTP, security) that may be verified by a predetermined network system that may be associated with the card payment authentication system 100 or the card payment authentication system 100 A password using a card, etc.) may be input by the user (via the mobile terminal 10). In the case where the personal authentication action is the specific action, the card 20, which is exceptionally approved by the payment-side system 200 or whose status is to be changed, Information may be entered by the user or at least one of the cards previously registered in the card payment authentication system 100 may be selected.

Then, the specific event corresponding to the specific action may be, for example, an event that the card payment authentication system 100 determines that authentication is successful, or an event that receives a signal indicating that authentication is successful from the network system.

Meanwhile, the specific action may be an action in which the card 20 performs short-range wireless communication (e.g., NFC communication) with the mobile terminal 10 of the user. Then, the specific event corresponding to the specific action may be an event in which the mobile terminal 10 performs short-range wireless communication with the card 20. In this case, since it is verified that the user who has performed the specific action carries both the card 20 and the mobile terminal 10, the user can be treated as a legitimate owner of the card 20. In addition, when the specific action is the short-range wireless communication, the card 20 performing the short-range wireless communication may be specified as a card to which the technical idea of the present invention is applied. Therefore, It may not be necessary to specify. In addition, since the user can use the technical idea of the present invention by simply performing a short distance wireless communication (e.g., NFC tagging) between the mobile terminal 10 and the card 20, It is effective.

Hereinafter, the specific action (or the specific event) is mainly described as an action (or an event) in which the mobile terminal 10 and the card 20 perform short-range wireless communication, (E.g., a password, a secret pattern, a biometric information, a secure card OTP, or the like) is performed or an event corresponding to the authentication action occurs in the mobile terminal 10 Of course.

As a result, the payment request of the card 20 (or the filtering payment request among the payment requests) is exceptionally determined based on whether the card 20 has performed the short-range wireless communication with the mobile terminal 10 of the user Accepted or in a state (a payable state or a non-payment state).

According to the technical idea of the present invention, even when the user performs the specific action, the mobile terminal 10 participating in the specific action (i.e., the mobile terminal 10 in which the specific event occurs) 20), or the status of the payment request (or the filtering payment request among the payment requests) is switched to be limited It is possible. For example, when the specific event is the short-range wireless communication, it is confirmed that the person who requested the payment actually has the card 20, and the person who requested the payment has the mobile terminal 10 of his or her name. It is effective.

It can be said that the user is authenticated to have the mobile terminal 10 of his or her own name even in the conventional system. That is, the payment side system 200 extracts a case in which the payment is suspected to be positively positively or confirms the user's intention to approve the payment, and at this time, the payment side system 200 confirms the identity of the user through the mobile terminal 10 of the user name When authentication is performed, it can be considered that the user is authenticated that he has the mobile terminal 10 of his / her own name.

However, according to the present invention, there is a difference that the payment system 200 does not need to transmit an approval request (for example, a message, a callback URL message, or a call) confirming the approval intention through the mobile terminal 10, (Or whether to change the status) of the payment request (or the filtering payment request among the payment requests) by the payment-side system 200. At this time, It can be authenticated that the user has his or her mobile terminal 10 by confirming that the mobile terminal 10 having transmitted the request signal is the mobile terminal 10 of the card 20.

In addition, according to the technical idea of the present invention, unlike the conventional technology, in the short-range wireless communication, the specific action is that a user has both the card 20 and the mobile terminal 10 of the card 20 Is authenticated, it provides better security. That is, according to the technical idea of the present invention, a user must hold both the card 20 and the mobile terminal 10 for short-range wireless communication, while the conventional method has the actual card 20 It is possible to authenticate the payment if the mobile terminal 10 is only possessed.

The method for determining the name of the mobile terminal 10 to which the payment system 200 transmits the request signal may be various. For example, the request signal may include the identification information of the mobile terminal 10 and may be transmitted to the payment system 200. When the mobile terminal 10 and the payment system 200 are connected to each other, And may identify the mobile terminal 10 through the session. Of course, the identification information of the mobile terminal 10 belonging to the card 20 may be stored in the payment system 200 in advance.

According to the technical idea of the present invention, when the settlement request system using the card 20 of the user's name (or the payment settlement request among the settlement request requests) is received, the settlement system 200 determines whether the specific operation (Or a payment settlement request among the payment request requests) depending on whether or not a request signal indicating whether a specific event has occurred in the mobile terminal 10 is received or the state of the card 20 Can be switched.

Regardless of whether or not a legitimate user has actually made a payment request (or a filtering payment request), the payment request using the user's card 20 (or the filtering payment request among the payment requests) is set in principle not to allow payment Not only can the user's card 20 or the card 20 information (for example, the card number and / or the expiration date) copied and illegally stolen can be blocked, ), There is an effect that it is possible to carry out self-control on the use of the card once more according to the condition set in the mowing.

In any case, according to the technical idea of the present invention, the payment request using the card 20 (or the filtering payment request among the payment requests) of the user name may be set to a non-payment status in principle. According to the technical idea of the present invention, the predetermined action must be performed (a specific event corresponding to a specific action must occur), a payment request using the card 20 (or a filtering payment request among payment requests) Lt; / RTI > can be set to a payable state.

According to the technical idea of the present invention, when a specific event is generated in the mobile terminal 10, a payment request using the card 20 (or a filtering payment request among the payment requests) limitedly (or exceptionally) The user can set an approval requirement of the payment request using the card 20 (or the filtering payment request among the payment requests) by setting the payment status.

Further, by defining a specific action to be performed by the user as a requirement for approval of settlement, in particular, a short distance wireless communication, the user can provide a technical idea that the action can be performed very easily. For example, when the short-range wireless communication is NFC tagging, the user can switch the card 20 to the payment-enabled state by performing only the approach of approaching the mobile terminal 10 and the card 20 within a predetermined distance It is effective.

Further, according to the technical idea of the present invention, the user can directly set the approval time of the payment request (or the filtering payment request) using the card 20 through the short distance wireless communication, have. For example, after the user makes a short distance wireless communication with the mobile terminal 10 and the card 20, the user sets the payment request using the card 20 (or a filtering payment request) . In this case, even if the user does not repeatedly conduct the short-distance wireless communication between the mobile terminal 10 and the card 20 during the predetermined period, the user can not receive the payment request using the card 20 ) May be approved. Of course, the settlement side system 200 may switch the settlement request (or the filtering settlement request) using the card 20 to the settlement disabled state after the predetermined period of time elapses.

According to another embodiment of the present invention, the user may perform the specific action to perform short-range wireless communication between the mobile terminal 10 and the card 20 whenever a payment request (or a filtering payment request) using the card 20 is performed . ≪ / RTI > For example, the user may make a payment request (or a filtering payment request) using the card 20 through the merchant system 30, 40, and then perform the specific action within a predetermined time. So that the payment request (or filtering payment request) can be selectively approved by the payment-side system 200. If the settlement side system 200 can not confirm that the specific action has been performed within the predetermined time from when the settlement request (or the filtering settlement request) is received (or when the settlement request is made) (Or a filtering payment request) may be rejected. Of course, the time when the specific action is performed may be a time when a specific event corresponding to the specific action occurs in the mobile terminal 10. In addition, according to the embodiment, the user performs a specific action before a payment request (or a filtering payment request), and then performs a payment request (or a filtering payment request) within a predetermined time from a point in time when a specific action ), And only the requested payment request (or the filtered payment request) within the predetermined time may be selectively approved by the payment-side system 200.

In order to implement this technical idea of the present invention, a card settlement authentication system needs to be provided. The card payment authentication system may be installed in the mobile terminal 10 or may be implemented in a server separate from the mobile terminal 10. Of course, in the latter case, a predetermined application (or software code) for implementing the technical idea of the present invention is installed in the mobile terminal 10, and the application (or software code) And may implement the technical idea of the present invention while performing communication with the authentication system.

An example of such a card payment and authentication system is shown in Fig.

2 is a view for explaining embodiments of a card payment and authentication system according to an embodiment of the present invention.

2A, the card payment and authentication system 100 according to the technical idea of the present invention can be installed in a user's mobile terminal 10 to implement the technical idea of the present invention. In this case, the card payment authentication system 100 may refer to a system in which the software for implementing the technical idea of the present invention and the hardware of the mobile terminal 10 for driving the software are organically combined.

The card payment authentication system 100 may determine whether a specific action (e.g., short-range wireless communication) has been performed by the mobile terminal 10 (or a user). That is, the card payment authentication system 100 can determine whether or not a specific event corresponding to the specific action has occurred in the mobile terminal 10. When it is determined that the specific action (for example, short-range wireless communication) has been performed, a predetermined request signal is transmitted to the payment-side system 200 so that the payment request event (or the filtering payment request event) It is possible to switch to a payment-enabled state. Or a predetermined payment request (or filtering payment request) already received or a payment request (or filtering payment request) to be received. Information on a period during which the payment request (or filtering payment request) using the card 20 is switched to the payment enable state, identification information of the card 20, and / or identification information of the mobile terminal 10 May be included in the request signal. The card payment authentication system 100 may transmit the request signal to the payment system 200.

Another embodiment is shown in Figure 2B.

Referring to FIG. 2B, the card settlement authentication system 100 according to the technical idea of the present invention is implemented as a server or a network system that is separate from the mobile terminal 10, and the payment system 200 and the mobile terminal 10). ≪ / RTI > According to an embodiment, the card settlement authentication system 100 may be installed in the settlement side system 200 to implement the technical idea of the present invention. Alternatively, the card payment authentication system 100 may be installed in a predetermined VAN (Value Added Network) system or other payment related system for mediating the payment process of the payment-side system 200 to implement the technical idea of the present invention . Of course, in this case, the mobile terminal 10 may also be provided with predetermined software for implementing the technical idea of the present invention.

When the card payment authentication system 100 is implemented separately from the mobile terminal 10, the card payment authentication system 100 receives whether the specific action has been performed from the mobile terminal 10, The mobile terminal 10 may determine whether the specific event has occurred. And send a request signal as described above to the payment system 200 according to the result.

A schematic configuration of the card settlement authentication system 100 for realizing such a technical idea is shown in Fig.

3 shows a schematic configuration of a card settlement authentication system according to an embodiment of the present invention.

Referring to FIG. 3, the card payment and authentication system 100 according to the embodiment of the present invention may include a control module 110 and a determination module 120.

The card payment and authentication system 100 may include hardware resources and / or software required to implement the technical idea of the present invention, and may be a single physical component or a single device It is not. That is, the card payment and authentication system 100 may mean a logical combination of hardware and / or software provided to implement the technical idea of the present invention. If necessary, May be implemented as a set of logical structures for implementing the technical idea of the present invention. Also, the card payment and authentication system 100 may mean a set of configurations separately implemented for each function or role for implementing the technical idea of the present invention.

For example, the card payment and authentication system 100 may be partially implemented in the mobile terminal 10 and the payment-side system 200, respectively. Or the configuration may be distributed to the mobile terminal 10 and a predetermined server.

In this specification, a module may mean a functional and structural combination of hardware for carrying out the technical idea of the present invention and software for driving the hardware. For example, the module may refer to a logical unit of a predetermined code and a hardware resource for executing the predetermined code, and does not necessarily mean a physically connected code or a kind of hardware. Can be easily deduced to the average expert in the field of the present invention.

The control module 110 may control resources and / or functions of other components (e.g., the determination module 120, etc.) to implement the technical idea of the present invention.

The determination module 120 may determine whether a specific event has occurred in the mobile terminal 10. [ For example, when the specific event is a short-range wireless communication, the determination module 120 performs short-range wireless communication by performing communication with a short-range wireless communication unit (e.g., an NFC chip) included in the mobile terminal 10 Can be determined. For convenience of description, the short-range wireless communication is an NFC communication. However, the short-range wireless communication is a method of estimating whether the user occupies both the card 20 and the mobile terminal 10 The average expert in the technical field of the present invention can readily deduce that any type of short range wireless communication (e.g., IrDA, Bluetooth, etc.) may be used. However, at this time, the card 20 may also be equipped with an apparatus or means (e.g., an IC chip, a power supply device, etc.) capable of performing the near field wireless communication. When the card settlement authentication system 100 is implemented separately from the mobile terminal 10, the determination module 120 determines whether the card payment authentication system 100 is connected to the mobile terminal 10 via the predetermined network, The base station 20 may receive information indicating that short-range wireless communication has been performed.

When the short-range wireless communication is performed, the determination module 120 may transmit identification information (e.g., a card number or an IC chip of the card) of the card 20 from the mobile terminal 10 through the short- Or the like). The identification information of the card 20 may be included in the request signal and transmitted to the payment system 200 as needed.

Of course, when the specific action performed by the user is an authentication operation other than short-range wireless communication, the determination module 130 determines that the user is authenticated as a member of the card 20, It may be determined that an event has occurred. For example, when predetermined authentication information is stored in advance in the mobile terminal 10 as described above, the determination module 130 determines whether the information input from the user corresponds to the stored authentication information, The event that is determined to be successful may be the specific event. (For example, a password, a pattern, an OTP, a secure card, a biometrics information, etc.) input from a predetermined network system (e.g., an authorized authentication system) capable of communicating with the mobile terminal 10 and capable of authenticating a user , An authorized certificate password, etc.) may be the specific event that the mobile terminal 10 receives a signal indicating that it is authenticated as information corresponding to the user in the network system.

The control module 110 may transmit a request signal to the payment-side system 200 when it is determined by the determination module 120 that a specific event (e.g., short-range wireless communication) has occurred. The request signal may indicate a request to switch a payment request (or a filtering settlement request) using the card 20 to a payable state for a predetermined period of time. Depending on the implementation, it may indicate a request to approve a payment request (or a filtering payment request) already received or a payment request (or a filtering payment request) to be received within a predetermined time.

Also, the control module 110 may receive the identification information of the card 20 received from the determination module 120, and may include the received identification information in the request signal. That is, the determination module 120 may receive the identification information of the card 20 via short-range wireless communication, and may transmit the identification information to the control module 110. Then, the payment-side system 200 can identify the card on which the short-range wireless communication has been performed based on the identification information of the card 20. [

Meanwhile, the control module 110 may include in the request signal the predetermined period information for setting the payment settlement request using the card 20 to be in a payable state. For example, the control module 110 may automatically load a predetermined application from the mobile terminal 10 when the mobile terminal 10 and the card 20 perform short-range wireless communication. Alternatively, the user may directly execute the application. The application may provide a predetermined UI through which a user can input information on a period for setting a settlement request (or a filtering settlement request) using the card 20 to a settlement enabled state. When the user inputs the period information through the UI, the inputted period information may be included in the request signal and transmitted to the payment system 200. [

Then, the payment system 200 can switch the settlement request (or the filtering settlement request) using the card 20 to a settlement state for a period corresponding to the period information included in the request signal. Then, the payment request (or the filtering settlement request) using the card 20 received by the payment-side system 200 during the period can be approved. When the period expires, the payment-side system 200 can switch the payment request (or the filtering settlement request) using the card 20 back to the non-payment state so as not to be approved.

Accordingly, after the user performs one specific action (for example, short-range wireless communication), if he / she inputs period information for exceptionally a payment request (or a filtering payment request) (20). In this case, the user has the convenience of making payment using the card 20 without re-executing a specific action (for example, short-range wireless communication) during the period. However, there may be a weak point in the illegal settlement that may occur during the period mentioned above.

Therefore, according to the technical idea of the present invention, it is possible to provide a technical idea in which the convenience of the user is reduced while increasing the security vulnerability.

This technical idea can be achieved by requesting the user to perform the specific action (for example, short-range wireless communication) each time a payment request (or a filtering payment request) using the card 20 is performed.

The user can perform a specific action within a predetermined time before transmitting the settlement request (or the filtering settlement request) using the card 20 to the payment system 200 through the merchant system 30, 40. [ Alternatively, the payment request (or the filtering payment request) may be performed and the specific action may be performed within a predetermined time. The settlement system 200 can restrictively approve the settlement request (or the filtering settlement request) only if a specific action is performed within a predetermined time period before or after the settlement request (or the filtering settlement request).

In this case, the settlement request (or the filtering settlement request) using the card 20 is always set to the settlement disabled state, and the settlement request (or the filtering settlement request) It is possible to pay a limited amount of time only within a certain period of time. In the case where the specific action is the short-range wireless communication, the possibility that an unauthorized payment request (or a filtering settlement request) using the card 20 is substantially approved unless the user's mobile terminal 10 and the card 20 are all stolen Can be significantly lowered.

The request signal transmitted to the payment-side system 200 by the control module 110 may include identification information of the card 20, period information, and the like, as described above, (I.e., the time when a specific event occurs) may be further included. (Or a filtering settlement request) using the card 20 on the basis of the time point when the information on the time when the specific action (for example, short-range wireless communication) (200). ≪ / RTI >

In addition, the request signal may include identification information (e.g., telephone number, IMSI, etc.) of the mobile terminal 10. In this case, the payment-side system 200 is required to receive the payment request (or payment request) based on the request signal when the request signal is received from the mobile terminal 10 registered in advance as the name of the card 20 Filtering settlement request). That is, in order to prevent the forgery of the mobile terminal 10, or after the card 20 has been stolen, the payment request (or the filtering settlement request) is accepted or switched from any mobile terminal 10 It may further be necessary to confirm whether the mobile terminal 10 outputting the request signal is the one of the card 20 or not. Of course, it is preferable that the payment-side system 200 stores the identification information of the mobile terminal of the card 20 in advance.

A schematic configuration of the settlement side system 200 for implementing the technical idea of the present invention is shown in FIG.

FIG. 4 shows a schematic configuration of a settlement-side system 200 according to an embodiment of the present invention.

4, the payment system 200 according to an embodiment of the present invention may include a reception module 210, an approval module 220, and a state transition module 230. [

The receiving module 210 may receive a request signal from the card payment authentication system 100. [

The approval module 220 can determine whether the payment request (or the filtering payment request) using the card 20 corresponding to the request signal is approved. The approval module 220 can approve the settlement according to whether the card 20 corresponding to the settlement request (or the filtering settlement request) is in a settlement state.

The status change module 230 may switch the settlement enable state or the settlement disable state of the filtering settlement request satisfying the specific condition among the state of the card 20, that is, all settlement requests or all settlement requests. For example, the state transition module 230 may switch the payment request (or the filtering settlement request) using the card 20 of the user name to a payment incapable state. In some implementations, a payment request (or a filtering payment request) using the card 20 may be set to a non-paymentable state so that, in principle, the card 20 is not allowed when a specific condition is achieved. For example, the payment request (or the filtering settlement request) may be automatically switched to the non-payment state when the user has left the country or the cumulative amount of money becomes a specific amount.

In order to automatically switch the settlement request (or the filtering settlement request) using the card 20 to the non-settlement state when the user leaves the country, the status change module 230 transmits the settlement request From the mobile communication system corresponding to the mobile terminal 10, an outgoing signal indicating that the user has departed and can switch the state of the card 20 based on the received outgoing signal. According to the embodiment, the departure signal can be received from the entry / exit management system. In some implementations, the outgoing signal output through the card payment and authentication system 100 may be received. When the card settlement authentication system 100 is installed in the mobile terminal 10, the user executes an input through the predetermined application provided by the card payment authentication system 100, which is executed in the mobile terminal 10, can do. Then, the card settlement authentication system 100 can transmit the departure signal to the state change module 230. According to an embodiment, the card payment and authentication system 100 may be implemented as a server as shown in FIG. 2B to provide a predetermined web page, and when the user inputs information indicating that the user has left the web page , The card payment authentication system 100 may transmit the departure signal to the payment-side system 200. Of course, in the case where the card 20 is a card set as a rule that a payment request (or a filtering settlement request) is not allowed irrespective of the user's departure from a foreign country, the outgoing signal is transmitted to the payment system 200 The process may be omitted.

When the request signal received by the reception module 210 includes the identification information of the card 20, the status change module 230 may identify the card to which the technical idea of the present invention is applied through the identification information of the card 20 20) can be specified. If the request signal includes period information, the state of the card 20 (i.e., approval of a payment request (or a filtering payment request)) during the period information can be switched from a non-payment state to a payment enable state have. In addition, when the period expires, the state of the payment request (or the filtering settlement request) of the card 20 can be switched to the payment disallowable state again.

Upon receiving the request signal, the approval module 220 can determine whether the payment request (or the filtering settlement request) using the card 20 is approved based on the received request signal.

For example, as described above, the approval module 220 can identify the card 20 on which the short-range wireless communication has been performed using the identification information of the card 20 included in the request signal. In addition, when the request signal includes period information, the user can approve the payment request (or the filtering payment request) using the card 20 during the period. For this, the approval module 220 checks the status of the payment request (or filtering payment request) of the card 20 controlled by the status change module 230, You can only approve a payment request if it is in a state.

According to an embodiment of the present invention, a payment request using the card 20 requested within a predetermined time (for example, several seconds to several tens seconds) before and after a point of time when the request signal is received (for example, Or filtering payment requests) may be temporarily approved. In this case, the state of the card 20 may be switched by the state change module 230 only for the predetermined time, and the state of the card 20 may be changed to the approval module 220 ) May exceptionally authorize the payment request.

A card settlement authentication method performed by the card settlement authentication system 100 and the settlement side system 200 according to the technical idea of the present invention is exemplarily shown in Figs. 5 and 6. Fig.

5 is a flowchart illustrating a process of a card payment authentication method according to an embodiment of the present invention. 6 is a flowchart illustrating a process of a card payment authentication method according to another embodiment of the present invention.

5 and 6 illustrate a case where the specific action is short-range wireless communication. The user can perform short-range wireless communication with the mobile terminal 10 and the card 20 at step S100. Then, the mobile terminal 10 can automatically execute the predetermined application provided by the card payment authentication system 100 to implement the technical idea of the present invention (S110). Of course, after the user manually executes the application, the user may perform the short-range wireless communication.

In any case, the application may include a UI for inputting a period for setting a filtering settlement request using the card 20 to a settlement enable state, and the card settlement authentication system 100 may transmit period information (S120). Then, the card payment authentication system 100 may transmit a request signal including the period information to the payment-side system 200 (S130). Of course, the request signal may further include the identification information of the card 20, the identification information of the mobile terminal 10, and the time of short-range wireless communication, which are confirmed through short-range wireless communication as described above.

The payment system 200 receives the request signal output from the card payment and authentication system 100 in step S200 and can check period information included in the request signal in step S210. Then, the payment-side system 200 identifies the card 20 corresponding to the request signal, and can set the state of the specified card 20 to the settlement state. When a payment request (or a filtering payment request) using the card 20 is received in a payment state (S220), it is determined whether a payment request (or a filtering payment request) time corresponds to the period information, (S230). In response to the confirmation result, the payment request may be approved or denied (S240, S250).

Of course, as described above, the payment-side system 200 may be configured such that the mobile terminal 10 that has performed the short-range wireless communication based on the identification information of the mobile terminal 10 included in the request signal, The process of judging whether or not it is more difficult. If it is determined that the user is the user, the payment request (or the filtering payment request) may be approved or the filtering payment request may be switched.

Referring to FIG. 6, a user can perform short-range wireless communication with his or her mobile terminal 10 and the card 20 (S310). Then, the card payment authentication system 100 can transmit a request signal to the payment-side system 200 (S320). (Or a first filtering settlement request) or a second settlement request (or a second filtering settlement request) using the card 20 within a predetermined time before or after the short-range wireless communication is performed, (S300, S330) through the merchant system (30, 40).

The payment system 200 can receive the first payment request (or the first filtering payment request) or the second payment request (or the second filtering payment request) through the merchant system 30, 40 (S400, S420). Of course, the payment system 200 may receive the request signal output from the card payment authentication system 100 at a predetermined time (S410).

Then, the payment-side system 200 determines whether the first payment request (or the first filtering settlement request) or the second settlement request (or the second filtering settlement request) is received when the request signal is received (Or the first filtering settlement request) or the second filtering request (the first filtering settlement request) in accordance with the determination result, The second payment request (or the second filtering payment request) may be approved or rejected (S440, S450).

As a result, according to the technical idea of the present invention, a person who has performed a predetermined action is estimated to be a legitimate person, and the card 20 is limited by the action of the person (for example, Since the payment request (or the filtering payment request) is approved, there is no need to telephone or messaging separately to provide the card settlement security as in the conventional technical idea, so that it can be very cost effective.

When the settlement system 200 or the system for determining approval or disapproval (e.g., the card settlement authentication system 100 of the present invention) for each settlement request (or the filtering settlement request) Significant cost savings may be possible since there is no need to request a location or request information about the roaming country that is currently roaming.

In addition, since the user can prevent duplication of cards or illegal use that may occur when a payment request (or a filtering payment request) is performed securely with a relatively simple action, it is possible to provide a reliable and safe service have.

The card payment authentication method according to the embodiment of the present invention can be implemented as a computer-readable code on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a hard disk, a floppy disk, an optical data storage device, and the like in the form of a carrier wave (for example, . The computer readable recording medium may also be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner. And functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers skilled in the art to which the present invention pertains.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims (27)

Determining whether a specific event has occurred in the mobile terminal, wherein the card payment authentication system is a user, the user's card is a card whose payment request using the card is set in principle not allowed by the payment-side system;
The card payment authentication system transmits a request signal to the payment-side system corresponding to the card when it is determined that the specific event has occurred,
In response to the transmitted request signal, the payment request system using the card received within a predetermined time before or after the time when the specific event is generated or the time at which the request signal was transmitted is exceptionally approved The card payment authentication method comprising:
The method according to claim 1,
Wherein the card is a card set so that only a filtering settlement request message corresponding to a specific condition among the settlement request messages using the card is in principle not allowed,
In response to the transmitted request signal, a filtering settlement request using the card received within a certain period of time before or after the time when the specific event is generated or the time at which the request signal was transmitted, And the credit card is authenticated.
The method according to claim 1, wherein the requesting signal is transmitted from the card payment authentication system to a payment-side system corresponding to the card,
Characterized in that the card payment authentication system includes card identification information capable of identifying the card in the request signal,
And the card on which the short-range wireless communication has been performed is identified by the payment-side system based on the request signal.
3. The method of claim 2,
Wherein at least one of a payment amount, a payment time, a medium for performing a payment request, or a type of a merchant for making a payment request is a payment request subject to a preset condition.
The method of claim 1, wherein the mobile terminal, which has transmitted the request signal,
Wherein a payment settlement request using the card is exceptionally approved by the settlement system in response to a user name of the card.
The method according to claim 1,
An event in which the mobile terminal and the card make short-range wireless communication; or
An event that the user is authenticated by the mobile terminal or a predetermined network system connected to the mobile terminal through a wired / wireless network;
The method comprising the steps of:
2. The method of claim 1,
Wherein the payment requesting system can output the approval request to the payment-side system according to a user's request even if an approval request for confirming approval of the payment request is not received from the payment-side system.
Determining whether a specific event has occurred in the mobile terminal, wherein the card payment authentication system is a user, the user's card is a card whose payment request using the card is set in principle not allowed by the payment-side system;
The card payment authentication system transmits a request signal to the payment-side system corresponding to the card when it is determined that the specific event has occurred,
And the settlement request system using the card is set to a settlement state by the settlement system in response to the transmitted request signal.
9. The method of claim 8,
Wherein the card is a card set so that only a filtering settlement request message corresponding to a specific condition among the settlement request messages using the card is in principle not allowed,
A payment settlement request request using the card received within a predetermined time before or after the time when the specific event is generated or the time at which the request signal was transmitted is settable by the settlement side system in response to the transmitted request signal Is set to the state of the card.
The method as claimed in claim 8,
Wherein the card payment authentication system further comprises receiving period information from the mobile terminal,
Wherein the card payment authentication system transmits a request signal to a payment-side system corresponding to the card,
And transmitting the request signal including the period information,
Wherein the settlement system receives the request signal and the settlement request is settable for a period corresponding to the period information.
9. The method of claim 8, wherein the mobile terminal,
Wherein the settlement request is set to a settlement state according to a user name of the card.
Setting a card settlement case in which the settlement side system uses a predetermined card is not allowed in principle;
Receiving a request signal from the card payment authentication system, the payment-side system being output from the card payment authentication system to the payment-side system when a specific event is generated in the user's mobile terminal;
In response to the received request signal, the payment-side system uniquely approves the payment request using the card requested within a predetermined time before or after the time when the request signal is transmitted or the time when the specific event is generated Wherein the card payment authentication method comprises the steps of:
13. The method of claim 12,
Wherein the card is a card set so that only a filtering settlement request message corresponding to a specific condition among the settlement request messages using the card is in principle not allowed,
In response to the transmitted request signal, the payment-side system exceptionally acknowledges the filtering payment request using the card received within a predetermined time before or after the time when the specific event or the request signal was transmitted And the card is authenticated.
Setting the card settlement case using the user's card to a settlement disabled state;
The payment system receiving a request signal from a card payment authentication system; And
And the payment-side system sets the payment request using the card in a payment-enabled state in response to the received request signal,
The request signal includes:
And when the specific event is generated in the mobile terminal, the payment is transmitted from the card payment authentication system to the payment side system.
15. The method according to claim 14, wherein the settlement-side system setting the card settlement case using the user's card to the settlement-
Wherein the settlement-side system sets only the filtering settlement request string corresponding to a specific condition among the card settlement cases using the card to the settlement disable state,
Wherein the settlement-side system sets the settlement request using the card to the settlement-enabled state in response to the received request signal,
And setting the filtering settlement request to a settlement enabled state by the settlement system in response to the received request signal.
15. The method of claim 14, wherein in response to the received request signal, the payment system sets a payment request using the card to a payment-
And in the case where the request signal includes the period information, setting the settlement request state using the card to the settlement enable state only during the period corresponding to the period information by the settlement side system in response to the request signal A card payment authentication method characterized by.
A computer-readable recording medium recording a program for performing the method according to any one of claims 1 to 16.
A determination module for determining whether a specific event has occurred in the mobile terminal of the user;
Wherein the card is a card that is set so that the payment request using the card is in principle not allowed by the payment-side system when the determination module determines that the specific event has occurred And a control module for transmitting a request signal,
And the payment request system using the card is switched to a payment state by the payment system in response to the transmitted request signal.
19. The method of claim 18,
Wherein the card is a card set so that only a filtering settlement request corresponding to a specific condition among the settlement requests using the card is in principle not allowed by the settlement system,
And the payment settlement request system using the card is switched to a settleable state by the settlement system in response to the transmitted request signal.
20. The method of claim 19,
Wherein the control module includes card identification information for identifying the card or period information received from the mobile terminal in the request signal,
Wherein the settlement side system switches the settlement request state to the settlement state only during a period in which the card corresponding to the card identification information corresponds to the period information based on the request signal.
A determination module for determining whether a specific event has occurred in the mobile terminal of the user, wherein the user's card is a card whose payment request using the card is set in principle not allowed by the payment-side system;
And a control module for transmitting a request signal to the payment-side system corresponding to the card when it is determined that the specific event has occurred,
In response to the transmitted request signal, the payment request system using the card requested by the payment-side system within a certain period of time before or after the time when the specific event is generated or the time at which the request signal was transmitted is exceptionally approved The card payment and authentication system.
22. The method of claim 21,
Wherein the card is a card set so that only a filtering settlement request corresponding to a specific condition among the settlement requests using the card is in principle not allowed by the settlement system,
In response to the transmitted request signal, the payment-requesting system using the card requested by the payment-side system within a certain period of time before or after the point in time at which the specific acceleration is generated or the time at which the request signal was transmitted is exceptionally And the credit card is authenticated.
22. The apparatus of claim 21,
Wherein the request signal is output to the settlement side system when the specific event is generated according to the user's intention even if an approval request for confirming approval of the settlement request is not received from the settlement side system Authentication system.
A status change module for setting a settlement disable status or a settlement enable status indicating whether or not a payment request using a user's card is permitted;
A receiving module for receiving a request signal from a card payment authentication system; And
And an approval module for accepting a payment request using the card when the payment request using the card is in a payment-enabled state,
Wherein the status switching module comprises:
Wherein the settlement side system switches the settlement request using the card to the settlement enable state in response to the request signal output from the card settlement authentication system when a specific event occurs in the mobile terminal.
25. The system of claim 24,
A settlement impossibility state or a settlement possibility state indicating whether a filtering settlement request corresponding to a specific condition among the settlement request cases is allowed,
Wherein the approval module comprises:
If the filtering settlement request case is in a settlement state, accepts the filtering settlement request,
Wherein the status switching module comprises:
Wherein the controller is configured to switch the filtering settlement request to a payment enable state in response to the request signal output from the card payment authentication system when a specific event occurs in the mobile terminal.
A status change module for setting a settlement disable status or a settlement enable status indicating whether or not a payment request using a user's card is permitted;
A receiving module for receiving a request signal from a card payment authentication system, the request signal being output from the card payment authentication system before a specific event is generated in a user's mobile terminal; And
And an approval module for accepting a payment request using the card when the payment request using the card is in a payment-enabled state,
Wherein the approval module comprises:
And selectively approving the request for payment using the card requested within a predetermined time before or after the time when the request signal is transmitted or the time when the specific event is generated, in response to the received request signal Payment system.
27. The system of claim 26,
A settlement impossibility state or a settlement possibility state indicating whether a filtering settlement request corresponding to a specific condition among the settlement request cases is allowed,
Wherein the approval module comprises:
If the filtering settlement request case is in a settlement state, accepts the filtering settlement request,
Wherein the approval module comprises:
And selectively approving a filtering settlement request using the card requested within a predetermined time before or after the time when the request signal is transmitted or the time when the specific event is generated, in response to the received request signal. Payment system.
KR20130114108A 2013-09-25 2013-09-25 Method for authenticating card-payment and systems thereof KR20150034042A (en)

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