KR20150107125A - The Business Method and the system, which creates the profits in using the dedicated internet site for the URL-NFC card. - Google Patents

Abstract

According to the present invention, a card company provides an exclusive site for an URL-NFC card with an URL-NFC function to a customer while keeping security by authenticating the card with secret authentication information. The card company gives benefits for the lift of card and internet to the customer through systematic additional information and additional services (advertisement, card management, provision of information, and product sales) while making profits. Moreover, the present invention is fundamentally preventing the misuse of a lost or stolen card by using an additional card authentication function. The exclusive site is different from a personal blog and is safely used with structural multi-security.

Description

The system of generating profit by providing the Internet-only site of 'URL-NFC card' and business method {the business method and the system, which creates the profits in using the URL-NFC card.

The present invention relates to a URL-NFC card having a URL-NFC function capable of accessing a dedicated site at one time in conformity with the international standard of ISO / IEC JTC1 / SC17, an Internet site connection function, an NFC communication function, A 'card company server' composed of a 'smart server' having a character input function and a screen function, a 'payment server', a 'dedicated server' and a 'home server' Is a system and business method that generates revenue by providing 'additional information' and 'additional services' of 'URL-NFC card' through 'site'.

Cards conforming to international standards are divided into ID-1, ID-00, and ID-000 by size, and functionally, cards with payment functions (credit cards, check cards, debit cards, transportation cards, (Card, credit card, membership card, insurance card, medical card, etc.) and a prepaid card (transportation card, etc.) that uses a certain amount of money before the transaction You can divide it into post-pay cards (most of the cards) that you pay, and the subsequent relationship between approval and settlement can be divided into payment after approval and payment before approval (for example, when you use transportation by credit card) You can have both functions.

The NFC (Near Field Communication) method is activated by being applied to a smart phone because it is advantageous for security because of a non-contact short distance communication. NFC communication is performed wirelessly between an NFC reader and an NFC tag, and an NFC tag stores information And NFC is a kind of RFID. However, unlike RFID applied in logistics and inventory management, it can not communicate with multiple NFCs or RFIDs at the same time. When the 'URL-NFC card' having the 'URL-NFC function' performs NFC communication with the smart device, the internet site of the URL stored in the 'URL-NFC card' is displayed on the screen of the smart device. NFC function ".

Until now, only one RFID to provide a non-contact payment function to a card with a payment function has been applied, which means that there is no need to add another RFID function to the card, However, there is no card that has the RFID function and the NFC function together with the payment. In recent years, there has been a method of applying the RFID for payment and the NFC function together with the card, and the RFID for the contactless payment and the 'URL- URL-NFC card 'has become possible.

In the above, the URL stored in the NFC chip of the 'URL-NFC card' is a 'password URL' which is an encrypted URL that can access the 'dedicated site' provided by the card company. URL-NFC card, which is a URL having a log limit to log in only when it is combined with a 'path filter function' and a 'secret authentication information' that interfere with the confidentiality and 'dedicated server part' 'Refers to' password URL '.

The 'smart device' with Internet site connection function, NFC communication function, text input function and screen display function is classified into 'Smart PC', which combines 'smart mobile device' for personal use and 'NFC dongle' And smart mobile commer- cial terminals, and smart mobile com- munication terminals are used in place of smart phones, which are efficient. In addition, the smart devices URL-NFC card 'is always available.

The 'payment server part' includes 'payment server 109', 'payment server DB 111' and 'payment file 110' of FIG. 1A, Refers to a server that determines whether or not to approve a payment while storing and managing information related to a payment approval of a 'card', and the term 'payment file' refers to a file storing information related to settlement.

The 'dedicated server unit' is composed of a 'dedicated server 104', a 'dedicated server DB 106' and a 'dedicated file 105' shown in FIG. 1A, Refers to a server that manages a dedicated site, and the 'dedicated file' refers to a file that stores information related to 'additional information' and 'additional service' of the 'URL-NFC card'.

The 'home server unit' refers to a server which is composed of a 'home server 112', a 'home server DB 114' and a 'home personal file 113' of FIG. Quot; and " home personal file " is a file storing information related to a member registered as a member on the home page.

The offline payment path of the 'URL-NFC card' is such that the 'URL-NFC card' accesses the 'payment server' via the 'POS terminal' and 'network system (Internet or PSTN + VAN or dedicated network)' , The online payment path is such that the 'URL-NFC card' accesses the 'payment server' via the 'online terminal (PC, smartphone, etc.)' and 'network-system' do.

In addition, the connection path of the 'dedicated site' is referred to as a 'dedicated site path', in which the 'URL-NFC card' performs NFC communication with the 'smart device' to access the 'dedicated server section' via the Internet.

In the above, 'dedicated site' refers to a site that can be accessed only by 'URL-NFC card' having a 'password URL', a 'secondary site' that can be used without logging in, 'And the' exclusive site 'and the' exclusive site 'are referred to collectively as the' exclusive site '. Also, the 'dedicated site' can be defined as an electronic space dedicated to a 'URL-NFC card' in a card company's server where a 'URL-NFC card' can access the smart device through the Internet through NFC communication.

And 'exclusive site' has the following characteristics which are different from general site or personal blog.

① It is not possible to access the Internet through the Internet and it is possible to access only the 'URL-NFC card'.

② A typical Internet site will be logged in with the ID and password, but the 'private site' will be logged in with only one 'secret authentication information' corresponding to the password.

③ Personal blog is a site organization, but the site composition of a dedicated site is a card company.

④ The personal blog assumes the access or membership of others, but the exclusive site excludes the access and membership of others from the source.

⑤ The personal blog is the individual, the establishment of the site, the administration, the establishment of the operating policy, the profit management, etc., but the exclusive site makes such things.

⑥ The personal blog or general site subscribes by the customer (person) unit, but the exclusive site is subscribed by 'URL-NFC card' unit. If a customer has multiple 'URL-NFC cards' of the same card company, they can get a dedicated site for the number of 'URL-NFC cards'.

⑦ There is no limit to the amount of information downloaded from the dedicated site, but the amount of information uploaded is limited to a very small amount of instruction.

The present invention adopts an electronic scheme which is simple but can hardly be exposed and stolen, and provides an extremely secure security environment by rejecting authentication and promptly responding to an authentication attempt of another person by an ID automatic confirmation and an alarm function, and The use of the authentication system of the present invention provides an environment in which the theft or the misuse of the lost card or the denial of use can be prevented, and a method of shortening the settlement time by applying the present invention in an offline settlement situation is provided .

In the prior art, when a user accesses the Internet for the first time, it is necessary to download a large amount of data because the property of the site is to maximize advertisement or advertisement. However, in the present invention, To minimize the amount.

The information stored in the server (the payment server unit and the dedicated server unit) related to the 'URL-NFC card' is used for the use of the card such as 'additional information' (owner information and card information, usage history, point information, log information, ), And 'Supplementary Services' (such as affiliate information, interest shopping mall information, temporary authentication information registration, card loss report, alarm application, card usage history, etc.) There is a service that helps card life and network life such as information and portal connection, e-mail connection, news provisioning, business card management function, etc. Hereinafter, 'additional information' and 'additional service' Service '. The credit card company can provide the 'additional information service' and increase the customer's visit rate of the site, thereby generating revenue such as advertisement.

Further, the present invention can be applied to a system in which the convenience of being able to check and utilize information of 'URL-NFC card' at a time, systematic performance of providing information in a single system, It is possible to increase the usage rate of 'URL-NFC card' and increase the visit rate of the exclusive site to generate profit such as advertisements, and to increase the sales of affiliates and card companies by efficiently guiding the affiliates, It is possible to reduce the communication cost of one communication unit and provide the service desired by the customer quickly.

The purchase of the card can be classified into an online purchase made in a fixed device such as a mobile device such as a smart phone or a PC, and an offline purchase in which a customer visits a store, and the present invention is applicable to all of them.

Since the dedicated site is convenient and essential for accessing the dedicated site, and the security and the confident contents are high, the dedicated site will serve as the window of the customer's internet life. Therefore, it is possible to utilize the advertisement, appstore, entertainment, community, portal, Search, etc., while generating revenue through registration fees, sales commissions, product sales or service offerings.

As an example of utilization of the additional service, the existing point use method is difficult to know when a consumer wants to know or distinguish points by card, and therefore it is possible to pay attention to use at the time of purchase. Provides an environment that allows users to know immediately when they want to know, and can use them directly at the time of settlement.

An app that informs the affiliate of 'URL-NFC card' is registered in 'Smart device with GPS function (eg smart phone)' which can know its current location and is used as 'URL-NFC card' If you select the 'Search for affiliate points' icon on the site, the dedicated server activates the app on the smart device, and the customer can easily find and use the affiliate point by receiving the guidance of the application. This is because the utilization rate of the affiliate is increased, And franchisees are getting better, commission income is rising, and there is a virtuous cycle in which more affiliates and merchants are secured.

In addition, if the 'URL-NFC card' is rented to another person, the original owner may log in to the main screen and select 'temporary authentication information' to register the information. The valid period of the 'temporary secret authentication information' Or by the customer. In this way, the card can be rented without changing the original authentication information.

Providing additional information and additional services through the 'dedicated site' of 'URL-NFC card' to provide customers with benefits such as profitability of card life and internet life, operation method and user interface method

1): Card authentication method for securing dedicated site

2): How to create profit (registration fee, purchase commission, route commission, commodity sales price, service fee, etc.) through exclusive site

3): Point management method such as point inquiry / use / sale / movement / accumulation through exclusive site

4): How to rent a card to a friend without changing the secret authentication information

5): How to keep a contactable line of communication such as a customer's phone number or email

6): A method of supplementing payment approval such as preventing the misuse of cards such as lost or stolen money

7): How to check the change of the user environment with smart device ID and use it as security

8): How to configure the server of a card company that provides a dedicated site

9): How to register your site as a member of another company's site and make a profit

10): How to operate the connection to enhance the security of the dedicated site and prevent malicious code infection

11): How to report lost card and acquisition

12): How to run an app registered on a dedicated site

13): How to provide always-on environment for card life

14): How to provide customized services

15): How to share your site's revenue with your customers

16): How to minimize the amount of data on the initial screen

The basic system configuration and operation for the present invention is the same as the representative.

1A and 1B illustrate a system configuration and operation for communication between a URL-NFC card 101 having a function of " payment after approval " and a server (a payment server and a dedicated server) 101, a POS terminal 107, a network 108, a payment server 109, and a settlement DB 111. The configuration and operation of delivering approval or disapproval of the payment request of the off-line customer to the POS terminal And the second is composed of the URL-NFC card 101, the smart device 102, the Internet 103, the dedicated server 104 and the additional DB 106. The URL-NFC In connection request of the card, the server indicates two types of communication, that is, a configuration in which the 'additional information service' is transmitted to the 'smart device' and an operation (hereinafter referred to as 'additional communication') when the condition is satisfied.

In the payment communication, an off-line customer requests payment from the payment server 109 via the POS terminal 107 with the URL-NFC card 101. The payment server 109 confirms that the customer's personal information, And the POS terminal 107 accepts the settlement so that the transaction is performed.

In the supplementary communication, the smart device 102, which is requested to access the server of the URL-NFC card 101 by NFC communication, directly attempts to access the dedicated server 104 corresponding to the URL of the URL-NFC card 101, Server connection request 'to' 8) logout notification ', the customer can use the additional information service of the URL-NFC card 101.

The payment server 109 communicates with the outside while storing and managing information (personal information, credit information, and the like) necessary for settlement in the file 110 of the settlement DB 111, NFC card 101 is stored and managed in the dedicated file 105 of the URL-NFC card 106 while the payment server 109 and the dedicated server 104 communicate with each other In particular, the payment server receives the authentication result of the private server and can use the URL-NFC card as information for approving the payment.

1B and 1C illustrate an initial operation flow in which the smart device 102 and the dedicated server 104 of FIG. 1A are interlocked with each other and the authentication process is the main content (hereinafter referred to as "initial flow"). (Hereinafter referred to as an 'initial screen') that is displayed on the smart device 102 in cooperation with the smart device 102 and the dedicated server 104, (Hereinafter referred to as a 'main screen login flow') and a flow of requesting approval of payment through authentication using the authentication information (hereinafter referred to as 'payment request flow' (Hereinafter referred to as a "sub initial screen") (hereinafter referred to as a "sub initial screen entry flow") and a screen having information that can be used without authentication by the user through an initial screen Quot;).

The 'main screen login flow' inputs authentication information in the 'initial screen 122 or 143' or the 'sub initial screen 131 or 153'. If the authentication information matches the authentication information registered in the dedicated server 104, (125,146, hereinafter referred to as "main / payment selection screen") which can select whether to enter the main screen or the 'payment request' If the 'main screen' is selected in the 'main / payment selection screen', additional information, additional services and general web surfing can be performed on the 'main screen 126 and 147'.

In the 'payment request flow', if 'payment' is selected in the 'main / payment selection screen 125 or 146', the dedicated server 104 transmits the card information and the personal authentication result to the payment server 109, The main / end selection screen 128, 150 displays a screen 128, 150 for selecting whether to enter or exit the main screen, If you select 'Main Screen' on the main screen, you can surf the 'Additional Information Service' and general Web on the main screen. If you select 'Finish', the connection is terminated.

The 'sub initial screen entry flow' selects a window to enter 'sub initial screen' without inputting authentication information in the 'initial screen', and enters the sub initial screen 131 or 153.

1D shows a flow in which a dedicated server 104 and a payment server 109 are interlocked to authenticate a current cardholder and approve payment (hereinafter referred to as a 'payment approval flow'). After receiving the card information and the personal authentication from the personal computer 104, the payment request is accepted in the "payment communication" path shown in FIG. 1A. If the card number matches and is within the reference time, the payment is approved. On the other hand, If it exceeds, it will reject the approval. Here, the reference time is determined by the credit card company as a common time required from the state ready for purchase to the time of requesting payment.

2A shows a configuration of an 'initial screen 201' that is a screen displayed on the smart device 102 for the first time when the smart device 102 and the dedicated server 104 of FIG. 1A request a connection, The main display window 202, the advertisement display window 203, the phone mode entry window 204, the point guidance window 205, the sub initial screen entry window 206, 207).

The 'authentication information input window 202' is used for confirming whether or not the customer who is requesting connection is a user, and there is a method of inputting a number or inputting a pattern, and the authentication information is inputted for main screen entry and payment approval A method of inputting only one authentication information itself applied in the description of FIG. 1B and FIG. 1C and then selecting a main and settlement in a subsequent operation (hereinafter, this method is referred to as an 'authentication information single method'), (This method will be referred to as 'two kinds of authentication information systems' hereinafter) and '211' as shown in FIG. 208 as 'a payment authentication information input window' and a 'main authentication information input window' A method for indicating an authentication information input window, a main selection window, and a payment selection window (hereinafter referred to as an 'authentication information selection method').

The advertisement display window 203 may be utilized as a revenue source of a card company by a customer or a URL-NFC card customized advertisement, or a card company may distribute an annual fee waiver or an advertisement profit distribution to a customer.

The 'Phone mode entry window 204' is a window for entering a phone function for transmitting and receiving a telephone or a text in a connected state.

The 'point guiding window (205)' is a window for entering only the point of the connected card, and can confirm the point immediately before payment and link it with payment.

The 'sub initial screen entry window 206' is a window for entering the 'sub initial screen' for providing general information that does not require authentication of the user.

The initial screen 201 appropriately combines advertisements that generate revenue while minimizing the amount of information in order to reduce the connection cost and the communication cost at the time of settlement.

According to the present invention, accessing the corresponding site with the 'URL-NFC card' having the 'URL-NFC function' provides information centered on the 'URL-NFC card' of the customer, and has the following features and advantages.

First: By accessing authentication information by 'URL-NFC card', users can login to the site with information related to 'URL-NFC card', which greatly improves accessibility to necessary information.

Second: It does not access to the desired site through the portal such as the portal or the homepage, but directly accesses the site having the information related to the 'URL-NFC card', so that the amount of downloaded data is small, . And URL-NFC card company's homepage can be accessed only by link, so that it is possible to use internet effectively.

Third, the user can be sure that the provided information is related to the 'URL-NFC card', so that the user can quickly recognize the information and reduce the internet use time.

Fourth: It is possible to prevent the use of lost and stolen 'URL-NFC card' through user authentication function and log record, and to track wrong users.

Fifth: It is possible to customize various additional services (affiliate and merchant information, usage history check, point management, prevention of card misuse, log recording, etc.) that are closely related to 'URL-NFC card' It is possible to increase profitability by increasing card usage rate.

Sixth: The URL of 'URL-NFC card' acts as an ID, which is advantageous for protecting personal information because the customer does not have to remember the ID and can visually confirm the loss of the ID.

Seventh: With the above features and advantages, the accessibility of the site and the friendliness and necessity are increased, the visit rate is increased, and it is possible to create the URL-NFC card customized advertisement, Can be created.

(1): 'URL-NFC credit card' or 'URL-NFC check card' or 'URL-NFC dedicated card' A system for providing a settlement approval in offline, consisting of a system for providing a dedicated site to a customer, a top card, a POS terminal, a network system, and a payment server section (refer to 'Description of Codes' below) A smart device, an Internet, and a home server (refer to 'Description of Codes' below) to provide a card company's home page.
1b: When using a dedicated site of 'URL-NFC credit card' or 'URL-NFC check card' or 'URL-NFC exclusive card', 'card authentication', 'pre- FIG. 2 is a flowchart illustrating an operation in a smart device for an operation of logging in. FIG. Here, the definition of 'card authentication' is defined in the 'fe' clause of the 'specific contents for carrying out the invention' below.
1c: When using a dedicated site of 'URL-NFC credit card' or 'URL-NFC check card' or 'URL-NFC exclusive card' And operation for interlocking with a login and a payment server, and is a flowchart of operation in a dedicated server.
1d: Request for approval of payment through 'Payment Pre-approval Request' and 'Payment Payment Communication' of 'URL-NFC Credit Card' or 'URL-NFC Check Card' or 'URL- And determines whether or not to approve the payment.
2A is a configuration example of a screen (initial screen) before login of a dedicated site of a 'URL-NFC credit card', a 'URL-NFC check card', or a 'URL-NFC exclusive card'.
2B is a configuration example of a main screen of a dedicated site of a 'URL-NFC credit card', a 'URL-NFC check card', or a 'URL-NFC dedicated card'.
2C is a configuration example of a lower main screen of a dedicated site of a 'URL-NFC credit card' or a 'URL-NFC check card' or a 'URL-NFC exclusive card'.
Figure 3a shows a system for providing a dedicated site to a customer, comprising a URL-NFC credit card or a URL-NFC check card or a URL-NFC dedicated card, a smart device, A network system, and a payment server unit, which is a system for providing payment approval online, and a system for providing a home page of a card company, which is composed of a smart device, the Internet, and a home server unit.

Representative diagrams and figures 1a

aa) 'URL-NFC card 101', 'smart device 102', and 'Internet 103', which means 'URL-NFC credit card' or 'URL-NFC check card' ) And a dedicated server unit (104, 105, 106) to provide a 'dedicated site' to the customer

ab) The above-mentioned 'URL-NFC card 101', POS terminal 107 ',' network system 108 'and' payment server unit 109, 110 and 111 ' System to determine

(connection system), which is composed of a smart device 102, an Internet 103, and a home server unit 112, 113, and 114 to provide a home page of a card company.

The URL-NFC card 101 is connected to the dedicated site provided by the dedicated server units 104, 105, and 106 at once through the Internet while the URL of the URL-NFC card serves as an ID in the NFC communication with the smart device 102 (Hereinafter referred to as " additional information service connection ") to use the additional information service,

the smart device 102 transmits 'secret authentication information' to the dedicated server units 104, 105 and 106, and transmits the secret authentication information registered in the dedicated server unit The information is determined to be in agreement with the information,

If the above card is authenticated and the customer selects 'pre-payment approval request', the dedicated server unit transmits 'card number' and 'pre-payment approval request' to the payment server unit. And waits while calculating the time from the present point,

When the card authenticated by the payment server 100 requests the payment server 109, 110, 111 to accept the payment request through the POS terminal 107 and the network system 108, If the approval request is within the standard time, the payment is approved by approving the request for approval of the payment. This method provides a very effective way to fundamentally prevent the theft or misuse of the lost card or the use of the lost card.

the smart device 102 and the dedicated server units 104, 105, and 106 are linked with each other through the Internet, and information about the connected card And a main screen in which services are structured in a systematic manner.

ai) The smart device 102 can use the card company's home page provided by the home server units 112, 113, and 114 via the Internet 103. [

aj) The dedicated site of URL-NFC card provides systematically providing information directly related to the card on a card-by-card basis, so it has a high clarity of information, greatly contributing to the card life of the customer, In addition, access to other Internet routes is not possible. In addition, security of information is strengthened by structured two or three security.

ak) ae) and af) are referred to as 'safe settlement'.

3A,

 ba) When an article is purchased online with the 'URL-NFC card 301' as a connection configuration diagram ('connection system') of systems for providing a payment approval and a homepage for the exclusive sites of aa), ab) and ac) to be.

bb) The URL-NFC card 301 accesses the dedicated site provided by the dedicated server units 304, 305, and 306 at once through the Internet through the NFC communication with the smart device 302, 307) '. At this time, the payment approval method may be the same as the existing method, or the existing method may be added while waiting for the approval method of the above ae) and af) 310 ", 311), the payment is made by allowing the two payment card numbers to agree with each other and if the payment is within the reference time, the payment approval is permitted.

the smart device 302 and the dedicated server units 304, 305, and 306 are connected through the Internet and logged in and connected to the smart device 302, Provide customers with a main screen in which information and services related to cards are structured in a systematic manner.

Fig.

FIG. 3A is a flowchart illustrating an operation of a smart device in the 'connection system' of FIG. 1A 'and FIG. 3A' to log in 'card authentication', 'pre-payment approval request', and 'main screen'.

cb) 'When the URL-NFC card 101 or 301 starts to access the dedicated server unit 104, 105, 106, 304, 305 or 306 through the Internet in NFC communication with the smart devices 102 and 302, When the request 121 is received, the dedicated server receives a 'secret authentication information' input window and a simple 'initial screen 122' having a plurality of windows as shown in FIG. 2A, , And transmits the secret authentication information to the dedicated server unit. If the secret authentication information matches that registered in the dedicated server unit and the currently accessed smart device is for personal use, When the customer selects 'main screen', the smart device receives the 'main screen 1 125' that is logged in. If the user selects 'finish', the smart device receives a window indicating termination The customer selects this window to terminate the connection.

cc) If the smart device which transmitted the secret authentication information in the above cb) is commercial, the smart device receives a screen indicating termination and the connection is disconnected, and the commercial smart device displays its own screen.

cd) If the secret authentication information is different from that registered in the dedicated server unit in the above cb), the smart device receives the error message of the secret authentication information. The customer confirms the message and then inputs the secret authentication information again on the initial screen .

If the user selects 'window 205 indicating connection to the main screen' in 'FIG. 2a' which is the initial screen 122 of the initial screen 122 of 'cb', the smart device selects 'main screen 2' And displays it.

Figure 1c

da 'in FIG. 1A, FIG. 1B and FIG. 3A', and a login operation to 'card authentication', 'payment preauthorization request' and 'main screen' .

If the 'URL-NFC card' attempts to access the dedicated site through the Internet in the NFC communication with the smart device, the dedicated server unit waits after transmitting the 'initial screen transmission 142' as shown in FIG. If the transmitted secret authentication information matches the secret authentication information registered in the dedicated server unit and the transmitted smart device is personal, a window for selecting one of the 'main screen', 'pre-payment approval request' and 'end' is transmitted , And when the 'main screen' is selected, the logged in 'main screen 1 (146)' is transmitted to the smart device.

dc) If the smart device that transmitted the secret authentication information in the above-mentioned db is a commercial use for payment only, the dedicated server unit judges that it should make a 'pre-payment approval request', and transmits the card number of the dedicated site card and ' (109, 110, 111, 309, 310, 311) and disconnects the connection.

dd) If 'payment preauthorization request' is selected in the 'Main Screen' of the above db and 'Payment Preauthorization Request' and 'End', the dedicated server unit stores the card number of the dedicated site card and ' Request 'to the payment server unit and transmits a screen for selecting' main screen 'and' termination 'to the smart device. When' main screen 'is selected,' logged in main screen 1 '145 is transmitted, 'Is selected, a window indicating termination is transmitted.

de) If the secret authentication information of db is different from that registered in the dedicated server unit, it transmits a message that it differs from the smart device.

df) When the smart device selects the 'window 205 accessing the main screen' in 'FIG. 2a', which is the initial screen of the initial screen step 142, the 'unsubscribed' main screen 2 is displayed on the smart device send.

Figure 1d

ea) In the connection system of FIG. 1A and FIG. 3A, a request for payment preliminary approval and a request for approval of a payment request through a payment communication path are interlocked with each other, Fig.

eb) from the dedicated server units 104, 105, 106, 304, 305, and 306 and the 'card number' of the card of the dedicated site, When the request for approval of payment is received, if the request time of payment approval is within the reference time and the two card numbers match, the payment approval is accepted by accepting the payment approval request, If the card number is wrong, the payment request is rejected, which is very effective in preventing the theft or misuse of the lost card or the use of the card.

2a,

fa to the dedicated server units 104, 105, 106, 304, 305 and 306 from the 'connection system' shown in FIGS. 1A and 3A to the URL-NFC card 101 and 301 This is the configuration of the initial screen 201 that the smart devices 102 and 302 download first before logging in to the dedicated site.

When the customer first receives the card and selects the first 'secret authentication information window 202' within the reference date, the window of the secret authentication information window 202 is used to input the secret authentication information. When the application is submitted, the 'temporary secret authentication information' created by the card company is transmitted to the registered mobile phone or e-mail, and after the customer logs in by inputting the 'temporary secret authentication information', 'question setting' Information ", and if the initial registration of the secret authentication information is not possible, no service is provided (notification of the initial registration when selecting another window), and until the initial registration, Guide to the screen.

fc) As another method of initial registration of 'secret authentication information', when the card forwarder delivers the card to the customer, the smart card of the card forwarder (registering the smart device with the credit card company) When the user selects the authentication information window 202, 'temporary secret authentication information' arbitrarily created by the card company is transmitted to the mobile phone or e-mail registered at the time of card application. After the customer inputs the 'temporary secret authentication information' This method of changing and registering the 'secret authentication information' also has the effect of double checking the card recipient incidentally.

fd) In order to receive the 'card authentication' from the exclusive site after the initial registration of the 'secret authentication information', the smart device inputs 'secret authentication information' to the 'secret authentication information window 202' If it matches with the registered secret authentication information, it logs in. If it does not match, it notifies the customer without allowing the login, which is called 'card authentication'.

fe) If an input error of 'secret authentication information' occurs, it is judged whether the ID (IP or telephone number) of the connected smart device has a record of the connection, and if not, the input error is notified by registered phone number or e-mail , The number of input errors should be limited and re-registered if the limit is exceeded.

ff) In the re-registration method, the user accesses the dedicated site and inputs 'temporary secret authentication information' received in the mobile phone or e-mail registered in the same manner as the above fa), inputs the correct answer in the questionnaire registered in the main screen, 'And register it.

ha) The 'advertisement window 203' is a simple banner advertisement. Since the advertisement is exposed each time the card is connected to the exclusive site, the exposure frequency is high. The initial screen is advertised in a way that the amount of information is small because the customer has to access and respond quickly to each payment. If the customer selects the advertisement, the user accesses the site through the exclusive site. Therefore, it is possible to generate additional profit by using it, and it is possible to prevent the theft, So card companies are all about profits.

hb) The 'point window 204' is a window for entering and using the point related to the corresponding 'URL-NFC card' of the exclusive site. Before the customer requests 'approval of payment form' And transmits the 'point amount' to be used, the 'dedicated server unit' transmits the 'card number', 'pre-payment approval request' and 'point amount' to the 'payment server' ', And the payment server unit confirms the' payment approval 'request by reflecting the' point amount '.

hc) The 'main screen window (205)' is a window that allows the user to enter the main screen without login from the dedicated site, and can freely access advertisements and general sites that do not require 'card authentication' on the main screen, Card authentication ', you can enter' secret authentication information 'in the' secret authentication information input window 'that appears when you select the information or select' secret authentication information input window 'on the main screen to receive' card authentication ' Can be used.

hd) 'Card dictionary window (206)' allows a card company's phone number to be displayed when a visitor selects this window, And a function to inform the user.

The 'dialing window 207' provides a function of a phone call or a text communication by switching to a phone mode for a dedicated site visitor, and the connection is automatically blocked after a predetermined time.

hf) The 'end window 208' is a window for terminating the dedicated site, and the dedicated site is automatically disconnected if there is no communication for a certain period of time.

ia) Another 'initial screen 209' is an example in which a window for inputting the 'secret authentication information' is composed of two pieces of 'Billing Secret Authentication Information Window 210' and 'Main Secret Authentication Information Window 211'.

ib) Select 'Billing Secret Authentication Information Window (210)' to input 'Secret Authentication Information' and transmit it to the dedicated server unit. Then, the dedicated server unit transfers' Card No. 'and' The department shall deal with the approval of the 'payment approval'.

ic) 'main secret authentication information window 211' and inputs 'secret authentication information' to the dedicated server unit, the dedicated server unit transmits the login main screen to the smart device.

ja) Another 'initial screen 212' is an example composed of 'secret authentication information window 213' and 'payment prior approval application window 214'.

 jb) When the 'secret authentication information input window 213' is selected and the 'secret authentication information' is input to the dedicated server unit, the dedicated server unit transmits the 'main screen' to the smart device.

jc) When the 'secret authentication information' is input to the 'secret authentication information input window 213' and the 'pre-payment approval application window 214' is selected and transmitted to the dedicated server unit, Pre-approval application 'to the payment server unit.

Fig.

a main screen logged into the 'main screen' of the smart device in the 'connection system' of FIG. 1A 'or' the connection system 'of FIG. 3a and a main screen which is not logged in, Only the content of the window 223 'is changed depending on the log status. According to the function selected by the customer, if the information requiring' card authentication 'is available, the card can be used immediately if it is already logged in. This is possible.

If the 'pre-payment approval application window 222' is selected, the dedicated server unit judges the log state. If the state is already logged in, the 'card number' and the 'pre-payment approval application' are transmitted to the payment server unit. , The 'card number' and the 'pre-payment approval application' are transmitted to the payment server unit after the 'card authentication' process.

kc) The 'login / logout window 223' indicates the current log state. If the current log-in state is 'log-out', if the log-in state is 'no log-in', the 'log-in' It signifies that you are going to log out. Disconnect and terminate the communication. If you select 'Login', 'login' will be performed through 'card authentication' process.

kd) The 'additional information window 224' enters the menu having submenus (254 window in FIG. 2C) having information directly related to the 'URL-NFC credit card' or 'URL-NFC check card' If the customer selects this window, the dedicated server unit checks the log status and directly connects to 'window 254' if it is logged in. If the user does not log in, it goes through 'card authentication' and logs into 'window 254' Connect. If you select 'Additional Information Window', you can request additional 'Private Authentication Information' for 'Additional Information Window' even if you are logged in. This way, you can protect the information in duplicate.

ke) The 'search window 225' is for searching within a dedicated site. When a customer inputs a desired character in a search window, a search engine dedicated to the exclusive site searches the exclusive site and transmits the result to the smart device.

The advertisement window 226 represents all the advertisements available online. When the customer selects the advertisement, the user connects to the advertisement site and the customer can purchase the goods from the advertisement site. At this time, Or 'safe payment' of the present invention may be used. The card company can make profitable business in the form of a 'registration fee' for registering the advertisement and a 'purchase fee' for the purchase.

kg ') Appstore (227) is a window to enter' window (266) 'of' 2c 'where there are apps directly registered by the card company. The card company verifies whether the app is malicious, Also, the application that the customer requests is also confirmed to be malicious and only the safe application is registered. The customer selects 'one's own app store 227' and selects one of the apps in the 'window 226' of FIG. 2C to download and install the app to the smart device, And automatically registers it in the form of an 'action icon' in 'my application window (267)'. If you want to use the app that you want to access, go to 'My App Window (267)' on the dedicated site and select the desired 'Run Icon'. If the dedicated server finds the app installed on the smart device and displays it on the screen, And use the app. A credit card company may receive a 'registration fee' when registering an app, a 'selection fee' when the app is downloaded, or a revenue business that receives a 'purchase fee' when a purchase occurs through the app. If you block the registration of malicious apps structurally as described above, the kind of the app will be small and the registration activation will be low, but the type of the app will increase over time Therefore, as the type of app is enough, activation of low registration is overcome automatically, and the trust of the exclusive site will allow the customer to live an app on a dedicated site. Also, there is an app that operates in conjunction with the resources in the smart device without the connection of the internet and the app that is connected to the internet.

kh) 'My application execution icon window 227a' is a window to enter 'window (267)' of FIG. 2c, which is a window having execution icons for executing an application installed in the smart device. 'Or by getting the key value from the dedicated site and launching the app.

When the 'affiliation point guidance execution icon 5 (266b)' is selected, the dedicated server unit finds 'affiliation point guidance application' installed on the smart device and displays 'affiliation point guidance application 5 (266a)' on the smart device, When the user clicks on the 'affiliation point guidance application 266a', the application displays the location of the affiliate points around the current customer in the form of a map using the location information of the smart device, When a partner point is selected, a menu screen showing a contact, a kind of service, discount information, access to a homepage of an affiliated point, a navigation operation for guiding a route, and the like are displayed. When the customer selects a desired one of these menus, the corresponding service is provided. The customer can use the card effectively, and the credit card usage rate of the card company and the credit card company increase, and in particular, the credit card company can generate additional profit such as advertisements in addition to the card fee to the affiliate.

kj) If you select 'External Appstore Window (228)', you will be connected to the external Appstore rather than the application registered on the dedicated site. If you purchase the app from the external Appstore, you can purchase it with 'Safe Payment'.

kk) 'Entertainment window (229)' is selected, the user can enter the screen having the menus in the window 268 of FIG. 2c and select a desired one from these windows. Also, The payment can be made securely by using the 'payment slush approval application', and the credit card company can pay the fee each time the user pays the fee.

kl) " Community Window (230) "

km) The 'Publicity Window (231)' is a window showing the contents of the publicity of the card company.

If you select 'Custom Service Window (232)', a window will pop up for you to enter your hobby, religion or region. If the customer enters information in these windows, the dedicated site will suggest information or service .

If the 'news window 234' is selected, the card company transmits a screen providing the refined news to the smart device.

 kp) Select 'Portal Window (235)' to enter the window where the portals are gathered and enter the desired portal to use the portal.

kq) If you select 'visited site window (236)', it indicates the site visited so far.

kr) 'Favorites window 237', a 'visited site window 235' is displayed, a desired one of them can be registered in the favorite, and a previously registered site can be deleted and moved.

ks) If you select 'Email window (239)', you can register your e-mail account or access the registered e-mail account.

kt) " Dialing window 239 "

ku) " character sending 240 "

kv) If 'SNS Connection Window (241)' is selected, it connects to SNS and SNS communication is done directly without going through dedicated site.

Figure 2c

la) 'FIG. 1a' or FIG. 3a '' connection system ', and the screen configuration and operation are the same as those in FIG.

lb) The 'pre-payment approval application window 252' is the same as the above-mentioned kb).

lc) 'login / logout window 253' is the same as kc).

ld) 'Additional Information Window (254)' is a window that collects additional information related to 'URL-NFC Credit Card' or 'URL-NFC Check Card' of the exclusive site. And the second secret authentication information can be given in consideration of importance.

If you select 'card info window (253)', you will see a screen that provides information such as owner name, contact, address, contract service type, etc. of the corresponding card of the exclusive site. .

If a 'use history window 257' is selected, a screen for inputting a condition for selecting information related to the usage history of the 'URL-NFC card' is displayed, and the customer can select desired conditions such as period, , The usage details are displayed according to the conditions, and the customer can confirm or download the contents.

If the user selects 'log information window 258', a screen for inputting a condition for selecting information related to the record of visiting the dedicated site is displayed. If the customer inputs a desired condition such as a time period or a smart device ID, The log details are displayed and the customer can confirm or download them.

If a user selects 'phone number / ID / email / other card registration window 259', a screen for registering and changing the phone number, ID of smart device, email, and other cards is displayed. You can register or change the phone number of the family member, the linkage number, the ID of the smart device, and the card number of the e-mail or other card.

li) If 'Point & Shopping Window (257)' is selected, 'Display window for entering the point status and points to use' and 'Shop window' recommended by the point provider are displayed on the currently accessed card. And move to another window or purchase the item from the 'point recommendation item' recommended by the 'point provider'.

If the 'secret authentication information change window 261' is selected, the 'secret authentication information change window' is displayed on the screen and all the 'secret authentication information' When the secret authentication information is inputted into the 'secret authentication information' input window, the 'secret authentication information change window' is displayed on the screen when the 'card authentication' is performed, and the customer inputs a new 'secret authentication information' And transmits it to the dedicated server unit, the dedicated server unit registers new secret authentication information.

lk) If 'Temporary Authentication Information Window (262)' is selected, the status of 'card authentication' of the current dedicated site is checked. If the card is not authenticated, 'card authentication' is requested first. The window for inputting the temporary authentication information and the window for entering the validity period are displayed on the screen, and the customer inputs the temporary secret authentication information and the validity period and registers the client with the dedicated server unit. Even if the 'temporary secret authentication information' is registered, the original 'secret authentication information' is maintained and the 'additional information 254' can not be used. You can also choose to limit the amount of money you can use or periodic periods.

ll) If 'alarm registration / change window (263)' is selected, 'card authentication' status of the current dedicated site is checked. If 'card authentication' is not performed, first 'card authentication' Card authentication "is displayed on the screen for inputting the alarm registration / change window, the customer enters the alarm condition (the ID (IP, phone number, etc.) of the first smart device to be accessed, -NFC card ", or when two smart devices try to access at the same time), the user can select / cancel / change the phone number, When the 'alarm registration / change' window 263 is selected in the authenticated state, the above contents are directly executed without requesting 'card authentication'.

If the 'Lost card notification window 264' is selected, the 'card authentication' state of the current dedicated site is checked and the 'card authentication' state is entered. Then, a screen showing the registered card name, card holder, If the customer chooses to match the information of the lost card, the loss report is completed.

ln) 'search window 255' is the same as ke).

lo) 'Advertisement Window 265' is the same as kf).

lp) 'Window 266' is an app store with apps registered on a dedicated site. If a customer buys an app, they can securely purchase using 'card authentication' and 'pre-payment approval application'. .

lr) 'Window 267)' is the window where the customer selected apps.

ls) 'Window 268)' represents entertainment, and each window can be selected and used.

lt) The 'dialing window 269' is the same as kr).

lu) 'character sending window 270' is the same as ks.

lv) The 'SNS connection window 271' is the same as the above-mentioned kt).

The main terms used in this specification will be described below.

1) The 'dedicated site' can be defined as an electronic space dedicated to a 'URL-NFC card' in a card company's server where the 'URL-NFC card' can access the smart device through NFC communication over the Internet.

2) The "URL-NFC dedicated card" is a card with a URL that can connect to a dedicated site such as "URL-NFC credit card" or "URL-NFC check card" or "URL-NFC debit card" It is an additional card provided to the customer in order to provide a constant use environment for the use of the customer's card.

3) 'Site Membership' means to register the exclusive site as a member, which distinguishes the members by using the individuality of the exclusive site, and has the advantage of knowing the customer's credit with the credit of the exclusive site, . Individuals can have multiple dedicated sites, which can result in duplicate subscriptions, which can be solved in a variety of ways.

4) 'Site membership acceptance company' means a company operating 'site membership' in 3) above.

5) 'My app launch icon' refers to an icon that allows a customer to download an app registered on a dedicated site and launch an app installed on the smart device from the dedicated site.

6) "URL-NFC debit card" is a card that has been assigned a "URL-NFC function" on a general debit card.

101: A card with a URL-NFC feature that provides a way to pay after approval with a URL-NFC card
102: 'Smart device' means 'NFC function', 'Internet communication function', 'Device with character input and screen function' means 'smart mobile device (smart phone, satellite phone)' and 'smart PC' , And the store-use means 'smart stationary commercial terminal' and 'smart portable commercial terminal'.
103: Connect 'Smart Device' and 'Dedicated Server' to 'Internet Network'. Overlapping the network means that the network can also communicate with the Internet.
104: The 'dedicated server' manages the 'dedicated site' of the 'URL-NFC card' as part of the card issuer server and transfers information about the pre-approval of the 'URL-NFC card' to the 'payment server'.
105: This is a dedicated file, which is a part of 'dedicated server' and stores information related to 'dedicated site' of 'URL-NFC card'.
106: 'Dedicated server DB', which is a part of 'Dedicated Server' and is an electronic space where all information about 'Dedicated Sites' of each 'URL-NFC Card' is stored.
107: It is a terminal installed at the shop side to make a payment of a card when the payment request of the 'card' is transmitted to the 'payment server' to the 'POS terminal' and is approved.
108: A network-based system for connecting a POS terminal and a payment server to a 'network system'.
109: The 'Payment Server' manages payment authorization requests for existing cards and 'URL-NFC Cards', and in particular communicates with the dedicated server for a 'payment approval' request related to the 'URL-NFC Card'.
110: The 'payment file' is a storage area for storing information related to payment approval of an existing card and a 'URL-NFC card'.
111: 'Payment server DB' is an electronic space that is part of 'payment server' and stores all card information of existing card and 'URL-NFC card'.
112: A server that manages the credit card company's homepage.
113: Homepage of card company It is electronic space in which subscriber information is written.
114: It is an electronic space where all the information related to the credit card company homepage is stored.
115: The card company server is composed of a payment server, a dedicated server, and a home server, and includes a storage space.
120: Operation flow for 'authentication request', 'pre-approval request' and 'main screen access' in the smart device of FIG.
121: The smart device performs an NFC communication with a 'URL-NFC card' to perform 'authentication request' to the Internet through a 'dedicated server' at a time.
122: Displays the 'secret authentication information' input window received from the dedicated server.
123: means to wait and follow the result of the agreement of the dedicated server with the secret authentication information.
124: When the dedicated server recognizes and agrees that it is a personal smart device, it is an operation to display a screen for selecting between "main screen connection" and "preauthorization".
125: An operation to display the main screen in a logged-in state (130 is a main screen in a state that the user is not logged in).
126: Subsequent operations using 'additional information service' in the main screen.
127: 124 is displayed after selecting 'pre-approval', which is a operation to select a screen from among 'main screen connection' and 'end'.
128: 127 " End " to display the end confirmation screen for the 'Pre-approval' selection, the first screen is automatically received and displayed after a few seconds.
129: The connection is broken when the secret authentication information matches and the smart device is for the store, and the smart device displays its own screen.
130: 122 " Main Screen Connection " is selected, the main screen of the non-logged-in state is displayed.
131 < / RTI >: 130 < / RTI >
140: a flow chart of a process in which a payment server receiving a 'pre-approval request' of the dedicated server in FIG. 1A approves a 'payment approval' request via a 'payment communication path'
141: An operation for receiving an authentication request from a smart device to a 'dedicated file' in a 'dedicated server' corresponding to a URL of a 'URL-NFC card'.
142: An operation for transmitting a screen including a window for inputting secret authentication information required for accessing a dedicated file corresponding to a URL requested by the smart device to the smart device.
143: It is an operation to judge whether or not the secret authentication information received from the smart device matches the secret authentication information necessary for accessing the dedicated file.
144: When the secret authentication information matches, a screen for selecting whether to connect to the main screen or an approval request is transmitted to the smart device.
145: 144, when the main screen connection is selected, the main screen in the logged-in state is transmitted to the smart device.
146: A series of operations to respond to a customer's request through the main screen.
147: 144, when the approval request is selected, the card number and authentication of the currently-connected 'URL-NFC card' are transmitted to the payment server.
148: 147, a screen for selecting between connection and termination of the main screen is transmitted to the smart device.
At 149: 148, when the termination is selected, the user logs out and transmits a menu of confirmation meaning to the smart device, and retransmits the initial screen after a few seconds.
150: A flowchart of a payment server accepting a payment approval request through a payment communication path after receiving an approval request of an additional server of FIG. 1A.
When the main screen is selected at 151: 142, it is an operation to transmit the main screen in a state of not being logged in.
152: 150 < / RTI >
161: A flow chart in which a payment server receiving a payment approval request through a payment communication path after receiving an approval request of the dedicated server in FIG.
162: An operation to receive the card number and the authentication while receiving the approval from the dedicated server.
163: Receiving a payment approval request by a payment communication path.
164: It is an operation to judge whether the card number of the 'URL-NFC card' received from the dedicated server matches the card number received through the payment communication path.
165: It is an operation to judge whether or not the time difference at the time of requesting payment approval from the payment communication path from the time of receiving the approval request from the dedicated server comply with the reference time.
166: An operation to transmit an approval to a POS terminal for a payment approval request that complies with a card number and a reference time.
167: It is an operation to deny approval to the POS terminal for a payment approval request that does not comply with the card number or the reference time.
168: It means that the payment server disconnects the card after waiting for 'payment approval' or 'payment decline'.
201: Home screen window
202: Secret authentication information window
203: Point window
204: Advertising window
205: Main window
206: Card company telephone window
207: Call window
208: Shutdown window
209: Another example of the initial screen
210: Billing secret authentication information input window
211: Main secret authentication information input window
212: Another example of the initial screen
213: Secret authentication information window
214: Payment pre-authorization application window
221: Main window
222: Payment pre-authorization application window
223: Login / Logout window
224: Additional information window
225: Search box
226: Advertising window
227: Your own app store window
227a: My app launch icon window
228: External App Store window
229: Entertainment window
230: Community window
231: Publicity Window
232: Custom Services Window
234: News Window
235: Portal window
236: Sites visited
237: Favorites window
238: Email Connection window
239: Dialing Window
240: Send Text window
241: SNS Connection window
251: Main window
252: Payment pre-authorization application window
253: Login / Logout window
254: Window with additional information
255: Search box
256: Card information window
257: History window
258: Log information window
259: Phone Number / Email Registration and Change Window
260: Point window
261: Confidential authentication information change window
262: Temporary secret information window
263: Alarm Registration and Change Window
264: Report Card Lost
265: Advertising Window
266: Window with its own apps
267: Window with apps selected by customer
268: Entertainment window
269: Dialing window
270: Send Text window
271: SNS Connection window

Claims (21)

a) store and manage a set of information and credit status related to the settlement of existing cards or 'URL-NFC Credit Card' or 'URL-NFC Check Card' or 'URL-NFC Debit Card' Configuring a 'payment server unit' for processing a 'payment approval request' request while communicating;
b) configuring a 'dedicated server unit' for storing and managing information related to the service of the dedicated site;
c) configuring a 'home server' for managing a card company's home page;
d) managing approval of settlement of an existing card, a 'URL-NFC credit card', a 'URL-NFC check card' or a 'URL-NFC debit card' with the configuration of steps a) to c) NFC card ", and determines whether or not the 'URL-NFC card' is 'approved for payment', and manages the home page. Way a) "URL-NFC credit card" or "URL-NFC check card" or "URL-NFC debit card" or "URL-NFC card" with "URL-NFC function" Requesting 'card authentication' to log in to the 'dedicated site' of the upper card accessible via the Internet;
b) transmitting a screen including a window in which the 'dedicated server unit' managing the 'dedicated site' inputs the 'secret authentication information' of the upper card to the smart device;
c) receiving the 'secret authentication information' through the 'dedicated server unit' through the screen of step b);
d) determining whether the 'dedicated server unit' matches the 'secret authentication information' in the step c) with the 'secret authentication information' registered in the dedicated server unit;
e) transmitting a screen indicating that the authentication is successful if the 'dedicated server unit' matches the determination result in the step d);
f) Performing the steps a) to e) to determine whether to log in to the 'dedicated site' based on whether or not the 'secret authentication information' matches. Stores the ID of the smart device that tries to access the dedicated site, compares the ID of the smart device with the stored ID every time the smart device attempts to access the dedicated site, and if the ID is the first accessed, How to call or text a number How to connect to a dedicated site that is accessible from other sites but not from other sites A smart device connected to a dedicated site can transmit commands only to a dedicated server, and a smart device and a dedicated server can communicate with each other by using asymmetric communication capable of transmitting data from a dedicated server to a smart device without limitation a) signing up to a dedicated site (card authentication) and making a 'pre-payment approval application';
b) transferring the 'card number' of the corresponding card of the dedicated server attachment site and the 'pre-payment approval request' of a) to the 'payment server';
c) If the payment server unit waits for the time from the time of receiving the 'card number' and the 'pre-payment approval request' in the step b) If the time is followed and the two card numbers match, a 'payment approval' approval is granted; if the reference timeout or the card number is inconsistent, a 'payment approval' request is rejected;
d) determining whether or not to approve the 'settlement request approval' by interlocking with the settlement server unit including the above-mentioned step a) to step c); and a) inputting 'temporary secret authentication information' and 'valid time' by selecting a screen for registering 'secret authentication information' to be temporarily used after logging into a dedicated site;
b) calculating a valid time after the content of the step a) is input by the dedicated server;
c) logging out from the dedicated site;
d) the corresponding card of the dedicated site accesses the dedicated site and requests 'card authentication' with 'temporary secret authentication information';
e) accepting the request if the 'card authentication' request time in step d) is within the 'valid time', and rejecting the request if it exceeds the 'valid time';
f) performing a 'card authentication' temporarily by performing the steps a) through e); Business methods that generate revenue by displaying information, ads, or services on a dedicated site and charging a registration fee A business method to generate revenue by charging a purchase fee every time you visit an external online store through information or advertising displayed on a dedicated site. Business methods in which card companies advertise their goods on a dedicated site, sell goods and generate revenue Related service is provided in a dedicated site that provides services such as inquiry, usage, transfer, and sale of points of a registered point company registered in a dedicated site in a manner of interfacing with a user from a "dedicated site" Way. Business methods that generate revenue by charging usage fees to companies that provide points each time a point provider points on a dedicated site A business method that increases the sales revenue from commission fees or exclusive site from the companies that use the exclusive site by increasing points by accumulating points every time when visiting the exclusive site. a) registering an app in a dedicated server unit for managing a dedicated site by a card company;
b) the customer logs into the dedicated site and selects a desired app from among the a) apps and requests downloading;
c) a step of automatically downloading the 'execution icon' for downloading the application of b) to the smart device and then executing the application to the 'My Application Execution Icon 228a' of the dedicated server unit;
d) installing the downloaded app of c) in the smart device at the smart device;
e) selecting a desired 'execution icon' from the 'my application execution icon 227a' by logging on to the dedicated site and searching for the corresponding application icon of the smart device on the screen of the smart device;
f) a step of performing steps a) through e), and a method of providing a function of executing an application registered in a dedicated site a) registering a company (site member accepting company) desiring to register a dedicated site as a 'site member' on a dedicated site;
b) logging in to the dedicated site and visiting the homepage of the 'site member accepting company';
c) selecting 'subscription' from the homepage of the 'site member accepting company' in step b);
d) Entering the member information into the window for entering the member information selected by selecting 'Membership' in the step c) and applying for member registration;
e) registering the member of step d);
f) registering the 'exclusive site' as a 'site member' of the 'site member accepting company' including the steps a) to e) Claim 19 of the present invention is a method for providing a service by accessing a homepage of a 'site member accepting company' through a dedicated site and logging in only by inputting a password. Claim 19: A method of providing a service that is characterized by automatically logging in when a user accesses a homepage of a "site member accepting company" after logging in a dedicated site Claim 19 is a business method for generating revenue by imposing a connection fee in proportion to the number of accesses to a "site member accepting company" who has registered a dedicated site as a "site member". a) selecting a screen for registering and changing a telephone number or e-mail on a dedicated site after logging into a dedicated site;
b) inputting a phone number or e-mail to the screen of step a) in the smart device and transmitting it to the dedicated server part;
c) registering the telephone number or e-mail of the b) in the dedicated server unit;
and d) registering and changing the telephone number or e-mail in the dedicated server unit by performing steps a) and c). A method of providing a function of receiving a card loss and acquisition report by interfacing with a visitor to a screen from a dedicated site If the customer has a URL that can access the same dedicated site as the 'URL-NFC Credit Card' or 'URL-NFC Check Card' or 'URL-Debit Card' Card 'together.

Images