KR20150121991A - Payment method and payment server using hidden card - Google Patents

Payment method and payment server using hidden card Download PDF

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Publication number
KR20150121991A
KR20150121991A KR1020140048293A KR20140048293A KR20150121991A KR 20150121991 A KR20150121991 A KR 20150121991A KR 1020140048293 A KR1020140048293 A KR 1020140048293A KR 20140048293 A KR20140048293 A KR 20140048293A KR 20150121991 A KR20150121991 A KR 20150121991A
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KR
South Korea
Prior art keywords
card
payment
card number
hidden
time
Prior art date
Application number
KR1020140048293A
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Korean (ko)
Inventor
한미영
정연호
유호경
이의택
육대수
Original Assignee
유비벨록스(주)
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Priority to KR1020140048293A priority Critical patent/KR20150121991A/en
Publication of KR20150121991A publication Critical patent/KR20150121991A/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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing

Abstract

According to an embodiment of the present invention, there is provided a method for a card company server to perform settlement using a hidden card, the method comprising: generating a one-time card number for the hidden card; Receiving a payment request including the one-time card number information from an affiliate server; And performing payment through the card number of the hidden card matched with the one-time card number.

Description

[0001] The present invention relates to a payment method using a hidden card,

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a payment method using a hidden card and a card issuer server, and more particularly, to a method of performing settlement using a hidden card not displaying a card number outside the card and a card issuer server.

Recently, with the development of information and communication technology, a variety of services have been provided through the collection and exchange of personal information through a network. However, as a result of collecting personal information, many cases of damage due to leakage of personal information have occurred . Examples are accidents such as smashing and voice phishing using leaked personal information.

Particularly, in the case of financial corporations, a large number of individuals 'information is kept for financial products' subscription, loans, issuance of cards, etc., and their information is often highly sensitive personal information. Big.

Accordingly, in order to protect personal information, the government enacted the "Personal Information Protection Act" in 2011, and from 2012, the government is strengthening regulations for protecting personal information in earnest.

However, in spite of these regulations, damage caused by leakage of personal information is constantly occurring. Hacking technology for leakage of personal information has been developed as much as security technology for protecting personal information has been developed. And it is necessary to develop various technologies to protect personal information.

The present invention is intended to reduce the possibility of card information being leaked by providing a hidden card whose card number is not described externally.

The present invention generates a new one-time card number at each settlement so as to minimize the damage even if the corresponding number is leaked.

The present invention is intended to display a one-time card number in payment information such as a receipt so that even if the receipt is lost, there is no damage to the receipt.

In an exemplary embodiment of the present invention, a method is provided for a card company server to perform settlement using a hidden card, the method comprising: receiving a payment request including unique ID information stored in the hidden card from an affiliate terminal that recognized the hidden card; ; Performing payment through a card number of the hidden card corresponding to the unique ID information; And transmitting payment approval information including the one-time card number to the merchant terminal when the settlement is completed.

Another embodiment of the present invention is a method for a card company server performing settlement using a hidden card, the method comprising: generating a one-time card number for the hidden card and transmitting the one-time card number to the user terminal; Receiving a payment request including the one-time card number information from an affiliate server or the user terminal; And performing payment through the card number of the hidden card matched with the one-time card number.

According to another embodiment of the present invention, there is provided a card issuer server for performing settlement using a hidden card, comprising: a settlement request receiver for receiving a settlement request including unique ID information of the hidden card from an affiliate terminal; A payment performing unit for performing payment according to the payment request through the card number of the hidden card corresponding to the unique ID information; A one-time card number generating unit for generating a one-time card number when the payment performing unit completes the payment; And a payment approval information transmitting unit for transmitting the payment approval information including the one-time card number to the merchant terminal.

Another embodiment of the present invention is a card company server for performing settlement using a hidden card, the card company server comprising: a one-time card number generator for generating a one-time card number corresponding to a card number of the hidden card; A one-time card number transmission unit for transmitting the one-time card number to a user terminal; A payment request receiving unit for receiving a payment request including the one-time card number from the user terminal or an affiliate server; And a settlement execution unit for performing settlement through the card number of the hidden card corresponding to the one-time card number included in the settlement request.

According to the present invention, it is possible to reduce the possibility that the card information is leaked by using a hidden card whose card number is not described externally.

Further, according to the present invention, a new one-time card number is generated each time a payment is made, thereby minimizing damage to information leakage.

1 is a view schematically showing a configuration of a settlement system using a hidden card according to an embodiment of the present invention.
2 is a diagram schematically showing a configuration of a card issuer server according to an embodiment of the present invention.
3 is a flowchart illustrating a method for requesting payment offline using a hidden card according to an embodiment of the present invention.
4 is a flowchart illustrating a method for a user to recognize a hidden card in a user terminal and request a non-face settlement through an affiliate server such as a home shopping or a communication company using the one-time card number received from the card company server.

The following detailed description of the invention refers to the accompanying drawings, which illustrate, by way of illustration, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different, but need not be mutually exclusive. For example, certain features, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the invention in connection with an embodiment. It is also to be understood that the position or arrangement of the individual components within each disclosed embodiment may be varied without departing from the spirit and scope of the invention. The following detailed description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is to be limited only by the appended claims, along with the full scope of equivalents to which such claims are entitled, if properly explained. In the drawings, like reference numerals refer to the same or similar functions throughout the several views.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, so that those skilled in the art can easily carry out the present invention.

In this specification, the term 'hidden card 100' means a card in which card information necessary for settlement such as a card number, an expiration date, CVC, etc. is not written or stamped on the outside of the card, When making a payment through a card, payment can be performed using unique ID information or a one-time card number. According to one embodiment of the present invention, the hidden card 100 may be one of a credit card, a check card, a prepaid card, and a membership card.

Herein, the term 'hidden card application' refers to a program module that is installed and stored on a user terminal and carries out a payment process using the hidden card 100, and the card company server 300 transmits a ' Number and the like to the user terminal 200 and receive the information from the user terminal 200. [

In the present specification, the 'one-time card number' means a one-time card number generated by the card issuer server 300 in correspondence with the hidden card 100, After a certain period of time, it may not be possible to settle the payment through the one-time card number on the card issuer server.

1 is a view schematically showing a configuration of a settlement system through a hidden card 100 according to an embodiment of the present invention.

1, a payment system using a hidden card 100 according to an exemplary embodiment of the present invention includes a hidden card 100, a user terminal 200, a card issuer server 300, an affiliate shop terminal 400, A server 500, and the like.

According to an embodiment of the present invention, the hidden card 100 may store unique ID information used in a payment request through a magnetic or IC chip.

In accordance with one embodiment, the unique ID information may be in the form of a series of numbers with the same number of digits as the card number, and may be encrypted and stored in the hidden card 100.

The unique ID information may be a serial number generated by the card issuer server 300 automatically generated when the hidden card 100 is issued. The unique ID information may be matched to the card number one-to-one and stored in the card issuer server 300.

The user terminal 200 according to an exemplary embodiment of the present invention can be connected to the card issuer server 300 through a network such as a mobile phone, a smart phone, a PDA (personal digital assistant), a portable multimedia player (PMP) And may be connected to the card issuer server 300 through a network such as a desktop PC, a tablet PC, a laptop PC, an IPTV including a set-top box, The communication device may also be included.

Communication between the user terminal 200, the card issuer server 300, the affiliate shop terminal 400, and the affiliate server 500 according to an embodiment of the present invention can be performed through a communication network (not shown). Communication between the card issuer server 300 and the affiliate shop terminal 400 or between the card issuer server 300 and the affiliate server 500 may be performed through a VAN server.

According to an embodiment of the present invention, the card issuer server 300 may include a VAN company server, and the card issuer server 300 may directly communicate with the affiliate shop terminal 400 or the affiliate server 500 without the VAN company server It is possible.

According to one embodiment, the communication network may be configured without regard to its communication mode, such as wired and wireless, and may be, for example, a local area network (LAN), a metropolitan area network (MAN) And a wide area network (WAN). Preferably, the communication network according to an embodiment of the present invention may be a known World Wide Web (WWW) or the like.

When the hidden card 100 presented by the user is recognized by the card recognizing unit included in the merchant terminal 400, the merchant terminal 400 stores the hidden card 100 stored in the hidden card 100, The payment request using the unique ID information can be transmitted to the card issuer server 300.

The card recognizing unit recognizes the unique ID information through swiping or recognizes the unique ID information stored in the hidden card 100 through the contact. When the hidden card 100 includes a radio frequency (RF) function, the merchant terminal 400 including the RF reader does not directly contact the hidden card 100 but is stored in the hidden card 100 The unique ID information can be recognized.

According to an embodiment of the present invention, the user terminal 200 can recognize the unique ID information of the hidden card 100 through the near field wireless communication. When the hidden card 100 is tagged in the user terminal 200 having the short-range wireless communication function, the hidden card application is automatically executed on the user terminal 200 or a web page May be provided.

The hidden card application according to an embodiment of the present invention can display information such as the one-time card number and the validity period of the one-time card number generated by the card issuer server 300 for payment and transmitted to the user terminal 200 have. The user terminal 200 can transmit a payment request to the card issuer server 300 through the hidden card application and later receive the payment approval information from the credit card company server 300 to display the payment approval information including the one- It is possible.

According to an embodiment of the present invention, the card issuer server 300 receives a payment request including the unique ID information included in the hidden card 100 from the merchant terminal 400 and transmits the settlement request to the card number of the hidden card 100 Time card number as a result of the payment, and transmits the payment approval information including the one-time card number to the affiliate shop terminal 400. [

According to another embodiment of the present invention, the card issuer server 300 generates a one-time card number at the request of the user terminal 200 and transmits the generated one-time card number to the user terminal 200. The user terminal 200 or the affiliate server 500 The payment request including the one-time card number, and the settlement can be performed using the card number of the hidden card 100 corresponding to the one-time card number.

According to an embodiment of the present invention, the affiliate server 500 may be a server operated and managed by a business operator such as a home shopping company or a communication company affiliated with a credit card company. Communication between the affiliate server 500 and the user terminal 200 may be performed through the communication network as described above, and a part of the communication process may be performed by the oral method or the ARS system. For example, a user who desires to purchase a specific product may provide the affiliate server 500 with information such as the one-time card number received by the user terminal 200 using the number pad of the terminal through the ARS service provided by the affiliate The user may be connected to the agent of the affiliate through the user terminal 200 and verbally transmit the one-time card number so that the agent can input the received one-time card number to the affiliate server 500 .

According to another embodiment of the present invention, the affiliate server 500 may be operated in the form of a web page or an application on-line, or may be an online shop server affiliated with a credit card company. The affiliate server 500 and the user terminal 200 can communicate through the communication network as described above.

The settlement service according to the embodiment of the present invention is a settlement service according to the embodiment of the present invention. The settlement service according to the embodiment of the present invention includes an off-line settlement service in which a hidden card 100 is recognized by a terminal at an offline merchant, And an online payment service for making payment in an online store using a non-face-to-face payment service in which payment is made and a one-time card number generated by the card company server 300. [

Hereinafter, a configuration of a card issuer server 300 according to an embodiment of the present invention will be described with reference to FIG. 2 is a diagram schematically showing the configuration of a card issuer server 300 according to an embodiment of the present invention.

2, the card issuer server 300 includes a control unit 310, a payment request receiving unit 320, a payment performing unit 330, a one-time card number generating unit 340, a one-time card number transmitting unit 350, An information transmitting unit 360, an authentication unit 370, a database 380, and the like.

According to an embodiment of the present invention, the control unit 310, the payment request receiving unit 320, the payment performing unit 330, the one-time card number generating unit 340, the one-time card number transmitting unit 350, The authentication unit 360, the authentication unit 370, and the database 380 may be program modules or hardware capable of communicating with external devices. Such a program module or hardware may be included in the card issuer server 300 or other device communicable therewith in the form of an operating system, an application program module and other program modules, and may be physically stored on various known memory devices . Such program modules or hardware, on the other hand, encompass but are not limited to routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types in accordance with the invention.

The controller 310 according to an embodiment of the present invention manages each component in performing a payment by the card issuer server. The control unit 310 includes a payment request receiving unit 320, a payment performing unit 330, a one-time card number generating unit 340, a one-time card number transmitting unit 350, a payment approval information transmitting unit 360, Unit 370, and the database 380. [0154] FIG. The controller 310 includes a payment request receiving unit 320, a payment performing unit 330, a one-time card number generating unit 340, a one-time card number transmitting unit 350, a payment approval information transmitting unit 360, The authentication unit 370, and the database 380, respectively.

The database 380 according to the embodiment of the present invention is a database 380 in which the card number of the hidden card 100, the one-time card number, unique ID information of the hidden card 100, , Settlement password, etc. can be matched with each other and stored and managed. According to one embodiment, the database 380 may receive information stored in the controller 310 under the control of the controller 310, or may receive and store information to be stored from each component. The information stored in the database 380 may be encrypted.

The payment request receiving unit 320 according to an embodiment of the present invention receives the payment request information of the hidden card 100 from the user terminal 200, the affiliate shop terminal 400 or the affiliate server 500 and the like.

According to one embodiment, the payment request information may include unique ID information or a one-time card number.

According to one embodiment, the payment request receiver 320 recognizes that the merchant terminal 400 recognizes the hidden card 100 and transmits the payment request information including the unique ID information of the recognized hidden card 100 can do. According to another embodiment, the payment request information including the one-time card number transmitted by the user terminal 200 or the affiliate server 500 may be received.

The payment request information may further include payment amount, installment information, and settlement password in addition to the above-described unique ID information or the one-time card number.

The payment request information may be encrypted, and the payment request receiving unit 320 may decrypt the encrypted payment request information.

The settlement performing unit 330 according to an embodiment of the present invention receives the settlement request information from the settlement request receiving unit 320 and transmits the settlement request information to the hidden card 100 corresponding to the unique ID information or the one- The payment can be performed by using the card number of the card. The settlement performing unit 330 can perform settlement based on the information included in the settlement request information (e.g., the settlement amount, installment information, card validity period) and the like.

According to one embodiment, the payment unit 330 may determine whether to perform the payment according to the authentication result of the authentication unit 370. According to one embodiment, the authentication unit 370 may determine whether the payment It is possible to confirm that the password matches the settlement password stored in the card issuer server 300 and perform the authentication.

According to one embodiment, when the authentication result of the authentication unit 370 indicates that the payment password input from the user is inconsistent with the previously stored payment password, the payment performing unit 330 determines that the hidden card 100 In the case where payment is not possible due to theft or loss, or when the time-out card number has been generated for a certain period of time after the generation of the card, or if it is already in a state of being unable to be used for payment, the approval of the payment request may be rejected.

The one-time card number generating unit 340 may generate a one-time card number as a result of receiving the payment execution result from the payment performing unit 330 and performing the payment according to an embodiment of the present invention.

According to another embodiment of the present invention, the one-time card number generating unit 340 generates the one-time card number from the user terminal 200 as a part of the payment request, instead of generating the one- And generates a matching one-time card number.

The one-time card number may be generated according to a predetermined rule, and may include an arbitrary number extracted through a random number generation method.

The one-time card number generating unit 340 may generate the one-time card number, and may further generate information necessary for managing the one-time card number such as the information on the valid period of the one-time card number.

The one-time card number generating unit 340 may discard the specific one-time card number and prevent the one-time card number from being reused in the future if the specific one-time card number is used to perform the payment.

The one-time card number transmission unit 350 according to an embodiment of the present invention can transmit the one-time card number generated by the one-time card number generation unit 340 to the user terminal 200. At this time, the one-time card number transmitting unit 350 may transmit the one-time card number to the user terminal 200 through a PUSH notification through the hidden card application or a method of transmitting the SMS. The one-time card number transmitting unit 350 may receive information including the number of the user terminal 200 from the payment request receiving unit 320 to specify the user terminal 200 to transmit the one-time card number. The one-time card number transmitted to the user terminal 200 may be in an encrypted form, which may be decrypted by a hidden card application on the user terminal 200.

The settlement approval information transmitting unit 360 according to an embodiment of the present invention transmits settlement approval information including the generated one-time card number, for example, receipt information, to the merchant terminal (400).

The payment approval information transmission unit 360 transmits the payment approval information including the randomly generated one-time card number to the user terminal 200, the affiliate shop terminal 400, or the affiliate server 400 without the information on the actual card number of the hidden card 100 (500).

According to one embodiment, a receipt including payment approval information transmitted from the payment approval information transmitting unit 360 to the merchant terminal 400 may be output and provided to the user.

The authentication unit 370 according to an embodiment of the present invention manages information on a settlement password that may be required for a user to perform authentication upon settlement, It is possible to perform authentication by determining whether the billing password transmitted from the billing server 500 matches the previously stored billing password, and may transmit the authentication execution result to the payment performing unit 330. [ The authentication unit 370 can request the user terminal 200 to perform a payment password authentication in the form of a PUSH notification or SMS via a hidden card application and receive the payment password information input by the user from the user terminal 200 have.

Hereinafter, a payment method using the hidden card 100 according to an embodiment of the present invention will be described with reference to FIG. 3 is a flowchart illustrating a method for requesting payment offline using hidden card 100 according to an embodiment of the present invention.

When the user who visited the specific merchant requests payment of the merchandise to be purchased through the hidden card 100, the merchant employee recognizes the hidden card 100 through the card recognition unit of the merchant terminal 400, The settlement request information including the unique ID information stored in the payment server 100 may be transmitted to the card issuer server 300 through the merchant terminal 400 in operation S310.

The method of recognizing the hidden card 100 can recognize the information stored on the magnet by swiping the magnet of the hidden card 100 to the affiliate terminal 400 as described above, By inserting the card 100 into the merchant terminal 400, information stored in the IC chip in the hidden card 100 can be recognized by the contact. In the case where the hidden card 100 includes radio frequency (RF) and short-range wireless communication functions, the merchant terminal 400 does not directly contact the hidden card 100 but is stored in the hidden card 100 Information may be recognized.

The unique ID information may be in the form of a series of numbers having the same number of digits as the card number, but may be composed of text or image rather than numbers, so that it can have a higher level of security than the card number type have.

The settlement request information includes unique ID information, price information of a product to be purchased by the user, information on whether a lump-sum installment payment is made, whether a payment password entered by the user into the merchant terminal 400, a discount coupon, ) Or whether or not to use mileage or the like.

The merchant terminal 400 may transmit the settlement request information including the unique ID information transmitted from the hidden card 100 to the card issuing server 300 as described above at step S320. At this time, the settlement request information may be transmitted to the credit card company server 300 through the VAN company server, the credit card company server 300 may include the VAN company server, and the credit card company server 300 without the VAN company server, (400).

The card issuer server 300 receives the settlement request information including the unique ID information and performs settlement using the card number of the hidden card 100 corresponding to the unique ID information at step S330. To this end, the card issuer server 300 can store and manage the card number and unique ID information of the hidden card 100 by matching them.

In the case of processing payment by the card number of the hidden card 100, the card issuer server 300 according to the embodiment processes payment in consideration of whether the payment is a perceived chargeable installment included in the payment request information, whether or not a point is used, can do.

According to one embodiment, when the payment password inputted by the user is inconsistent with the payment password stored in advance, if the payment amount exceeds the one usage limit of the hidden card 100, When the validity period of the hidden card 100 has expired, or when the theft or lost report of the hidden card 100 is received, the approval for the payment request may be rejected.

When the payment is completed, the card issuer server 300 generates a one-time card number according to the payment result (S340), and transmits the payment approval information including the generated one-time card number information to the franchise terminal 400 (S350 ).

Card issuer server 300 can generate a one-time card number according to a predetermined rule. For example, the first to sixth digits of the card number can be a BIN number that identifies the issuer, and the remaining digits can also be determined according to rules set by the card issuer server. On the other hand, when the card issuer server 300 generates the one-time card number, an arbitrary number may be extracted through a random number generation method according to a time when the payment is requested and a one-time card number may be generated by combining the extracted numbers. The card issuer server 300 may store and store the one-time card number generated according to the settlement result and the payment information.

According to one embodiment, the merchant terminal 400 receives the payment approval information including the one-time card number from the card issuer server 300, and outputs a receipt for displaying the payment approval information to the user (S360). The actual card number of the hidden card 100 may not be described on the receipt provided by the user and only the arbitrary one-time card number generated at random is written. Therefore, even if the receipt is lost later, Can be minimized.

Hereinafter, a payment method using the hidden card 100 and the user terminal 200 according to an embodiment of the present invention will be described with reference to FIG. 4 shows a case where the user recognizes the hidden card 100 in the user terminal 200 and requests the non-face settlement through the affiliate server 500 such as a home shopping company or a communication company using the one-time card number received from the card issuer server 300 As shown in FIG.

Hereinafter, it is assumed that the user requests payment using the card 100 hidden on the telephone to find a product to be purchased and purchase the same during home shopping viewing.

The user can recognize the hidden card 100 to the user terminal 200 (S410).

According to an embodiment of the present invention, when the hidden card 100 and the user terminal 200 approach a certain distance, the user terminal 200 recognizes the hidden card 100 using the short- And unique ID information stored in the storage unit 100. According to another embodiment of the present invention, a user installs a hidden card application to perform settlement through the hidden card 100, registers the use of the hidden card application, Information including ID information may be stored in the user terminal 200 in the form of an app card or the like.

The user terminal 200 according to the embodiment may transmit a request for generating a one-time card number including unique ID information recognized from the hidden card 100 to the card issuer server 300 through a hidden card application or a website S420). Such a transfer process may be automatically executed when the hidden card 100 is recognized by the user terminal 200 in step S410 or may be automatically executed when the user clicks the " request to create a one-time card number " icon on the user terminal 200 Or may be performed through a series of steps.

For example, if the information of the hidden card 100 registered in advance through the hidden card application for use of the payment service using the hidden card 100 is stored in the user terminal 200, , A one-time card number generation request including the unique ID information included in the hidden card information may be transmitted to the card issuer server 300.

Card issuer server 300 may receive unique ID information and generate a corresponding one-time card number (S430). According to an embodiment of the present invention, the card issuer server 300 may match the card number of the hidden card 100 matching the unique ID information with the newly generated one-time card number, and then store the information. The one-time card number is generated as described above, and the one-time card number may include the unique ID information or a part of the card number of the hidden card 100. [

The card issuer server 300 may transmit the generated one-time card number to the user terminal 200 (S440). According to one embodiment, the card issuer server 300 may provide push notifications via a hidden card application on the user terminal 200 and send an SMS to the user terminal 200 to notify the user of the receipt of the one-time card number . In addition, the card issuer server 300 can transmit the additional information (e.g., the valid time of the one-time card number, the limit of the payment amount, etc.) along with the one-time card number to the user terminal 200.

The user can make a payment request to the affiliate server 500 through the transmitted one-time card number (S450).

According to one embodiment, the user can call the affiliate and orally deliver the one-time card number, and thereby enter the one-time card number through the method of entering the one-time card number verbally delivered by the affiliate employee to the affiliate server 500 The settlement request including the payment request may be transmitted to the affiliate server 500. According to another embodiment, a payment request including the one-time card number may be transmitted to the affiliate server 500 in a manner that the user inputs a number through the user terminal 200 using the ARS To the affiliate server (500).

At this time, the settlement request may further include information on the installment information received from the user, whether or not the point is used, and the like.

After receiving the payment request, the affiliate server 500 may transmit the payment request including the one-time card number information to the card company server 300 (S460). According to one embodiment, the payment request information may be transmitted to the card issuer server 300 through the VAN company server, the card issuer server 300 may include the VAN company server, the VAN company server 300 May communicate with the affiliate server 500 directly.

According to one embodiment, upon receipt of the payment request, the card issuer server 300 transmits a payment password input request to the user terminal 200 (S470), and transmits a payment password input to the user terminal 200 (S472). The method of requesting a payment password may be the same as the one-time card number providing method described above, and the payment password may be a PIN number in a series of numbers.

According to one embodiment, when the payment password received from the user terminal 200 matches the pre-stored payment password, the card issuer server 300 transmits a secret card corresponding to the one-time card number received from the affiliate server 500 (Step S480). ≪ / RTI >

As described above, the card issuer server 300 may consider other factors included in the settlement request information. If the settlement request corresponds to the settlement approval rejection condition, the card issuer server 300 may reject the settlement approval.

According to an embodiment, the card issuer server 300 may transmit the payment approval information including the one-time card number to the user terminal 200 or the affiliate server 500 after the completion of the payment (S490). The affiliate server 500 can transmit the received payment approval information to the user through various methods such as SMS, utilization of a hidden card application on the user terminal 200, and the like. At this time, the payment approval information may include a one-time card number, installment information, affiliate information, and the like.

Hereinafter, an online settlement method using the hidden card 100 and the user terminal 200 according to an embodiment of the present invention will be described.

The online payment method is a non-facing payment method in which a user transmits a payment request to an online store directly by the user terminal 200, and transmits the one-time card number received through the user terminal 200 to the affiliate server 500 Difference. The online settlement method overlaps with the non-face settlement method discussed with reference to FIG. 4, so redundant portions will be omitted and described.

If the settlement method through the online shop is not compared with the settlement method, the steps excluding step S450 are much duplicated, so only step S450 will be described in detail.

It is assumed that a user is searching for a product to be purchased and is requesting payment while surfing the web at the online shop through the user terminal 200. [

For payment request, the user can recognize the hidden card 100 to the user terminal 200. The user terminal 200 recognizing the hidden card 100 may transmit a request for generating a one-time card number including the unique ID information of the hidden card 100 to the card company server 300, And can generate the one-time card number corresponding to the unique ID information. The card issuer server 300 can transmit the generated one-time card number to the user terminal 200, and the user terminal 200 can transmit the payment request to the online store through the received one-time card number.

According to an embodiment of the present invention, the user terminal 200 can directly transmit the payment request information including the one-time card number and the expiration date of the card to the server of the online store. According to another embodiment of the present invention, when a user inputs a payment password through a hidden card application having the same or similar function as the application card installed in the user terminal 200, and authentication of the payment password is completed, Payment request information including the received one-time card number may be transmitted to the online store. According to another embodiment of the present invention, payment request information including the one-time card number received by the user terminal 200 is input to the user terminal 200 having the registered card number, such as an ISP, .

According to an embodiment of the present invention, when the card issuer server 300 receives the payment request including the one-time card number, the payment is executed with the card number of the hidden card 100 corresponding to the one-time card number, To the user terminal 200 or the online store server.

Other steps except step S450 may be performed in the same or similar manner as the settlement method through the online store and the non-face settlement method described with reference to FIG.

Hereinafter, a method of utilizing a long-term transaction ID according to an embodiment of the present invention will be described.

According to an embodiment of the present invention, the payment request received by the card issuer server 300 may include a long-term transaction ID rather than a one-time card number or unique ID information. The long-term transaction ID is an ID included in the payment request in place of the real card number of the hidden card 100 when a regular payment occurs for a predetermined period of time. The long-term transaction ID includes a series of numbers And may be stored and managed by matching with the card number of the hidden card 100 in the card issuer server 300. [

The long-term transaction ID can be used to reduce the cumbersome time to register the one-time-only one-time card number at the time of settlement, and when paying the amount billed by the same affiliate periodically such as communication fee payment, Can be used for the purpose of reducing.

According to one embodiment, when the card issuer server 300 receives the settlement request including the long-term transaction ID information, settlement can be performed with the card number of the hidden card 100 corresponding to the long-term transaction ID. The long term transaction ID may not be changed to the settlement state on the card issuer server 300 even if settlement through the long term transaction ID is performed and may be stored in the user terminal 200 or the affiliate server 500, May be included in the request information.

However, in the case of a long-term transaction ID, only a payment request received from a specified (set) affiliated merchant can be settled when a long-term transaction ID is created, thereby minimizing the damage even if a long-term transaction ID is leaked have.

The long-term transaction ID may be settable only if the long-term transaction ID is within a certain number of times and within a predetermined amount for a certain period of time. For example, if you set your payment to not be made more than once a month, even if a long-term transaction ID is leaked, multiple payments can not be made and the damage can be reduced. Further, the valid period or the total number of times of use for the long-term transaction ID may be set by the user.

As described above, according to the embodiment of the present invention, the settlement using the hidden card 100 in which the number is not described outside can be made, so that it is possible to reduce the possibility that the financial personal information such as the card information is leaked, Payment can be made.

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 exemplary embodiments, but, on the contrary, Those skilled in the art will appreciate that various modifications, additions and substitutions are possible, without departing from the scope and spirit of the invention as disclosed in the accompanying claims.

Therefore, the spirit of the present invention should not be construed as being limited to the above-described embodiments, and all of the equivalents or equivalents of the claims, as well as the following claims, I will say.

100: hidden card
200: User terminal
300: Card issuer server
400: Merchant terminal
500: Affiliate Server

Claims (12)

A method for a card company server to perform settlement using a hidden card,
Receiving a settlement request including unique ID information stored in the hidden card from a merchant terminal that recognized the hidden card;
Performing payment through a card number of the hidden card corresponding to the unique ID information; And
And transmitting the payment approval information including the one-time card number to the merchant terminal when the payment is completed.
The method according to claim 1,
The step of performing the settlement includes:
Receiving payment password from the merchant terminal, and performing authentication based on the received payment password.
A method for a card company server to perform settlement using a hidden card,
Generating a one-time card number for the hidden card and transmitting the generated one-time card number to the user terminal;
Receiving a payment request including the one-time card number information from an affiliate server or the user terminal; And
And performing settlement through the card number of the hidden card matched with the one-time card number.
The method of claim 3,
The step of performing the settlement includes:
Transmitting a payment password input request to the user terminal; And
And performing authentication based on the payment password received from the user terminal.
The method of claim 3,
And generating the one-time card number and transmitting the one-time card number to the user terminal,
Further comprising receiving from the user terminal a request for generating a one-time card number including unique ID information stored in the hidden card recognized by the user terminal through short-range wireless communication,
Generating the one-time card number and transmitting the generated one-time card number to the user terminal,
And generating the one-time card number that matches the unique ID information.
The method of claim 3,
And transmitting the payment approval information including the one-time card number to the user terminal or the affiliate server.
A card company server for performing settlement using a hidden card,
A settlement request receiving unit for receiving a settlement request including unique ID information of the hidden card from the merchant terminal;
A payment performing unit for performing payment according to the payment request through the card number of the hidden card corresponding to the unique ID information;
A one-time card number generating unit for generating a one-time card number when the payment performing unit completes the payment; And
And a payment approval information transmitting unit for transmitting the payment approval information including the one-time card number to the merchant terminal.
8. The method of claim 7,
Further comprising an authentication unit for receiving a payment password from the merchant terminal and performing authentication based on the received payment password.
A card company server for performing settlement using a hidden card,
A one-time card number generating unit for generating a one-time card number corresponding to the card number of the hidden card;
A one-time card number transmission unit for transmitting the one-time card number to a user terminal;
A payment request receiving unit for receiving a payment request including the one-time card number from the user terminal or an affiliate server; And
And a payment execution unit for performing payment through the card number of the hidden card corresponding to the one-time card number included in the payment request.
10. The method of claim 9,
Wherein the one-time-card number generating unit comprises:
Receiving a one-time card number generation request including the unique ID information stored in the hidden card recognized by the user terminal through short-range wireless communication from the user terminal, and generating the one-time card number matching the unique ID information Credit card company.
10. The method of claim 9,
And a payment approval information transmitting unit for transmitting the payment approval information including the one-time card number to the user terminal or the affiliate server.
10. The method of claim 9,
Further comprising: an authentication unit for transmitting a payment password request to the user terminal, receiving the payment password input to the user terminal, and performing authentication based on the payment password.
KR1020140048293A 2014-04-22 2014-04-22 Payment method and payment server using hidden card KR20150121991A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20200046349A (en) * 2018-10-24 2020-05-07 동서대학교 산학협력단 card information providing method using OTP

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20200046349A (en) * 2018-10-24 2020-05-07 동서대학교 산학협력단 card information providing method using OTP

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