KR20160073930A - Credit card information non-storage and payment program non-install and simplifying payment procedure system for simple payment of credit card and method thereof - Google Patents

Abstract

The present invention relates to a credit card information non-stored, payment program non-installed, and simplified payment procedure system for a simple payment of a credit card and a method thereof. The credit card information non-stored, payment program non-installed, and simplified payment procedure system for a simple payment of a credit card comprises: a service server which manages a web site provided by a simple payment service; a first terminal which accesses the web site via a communication network, encrypts payment approval request information when the simple payment service is selected as a payment method for a product to be purchased, and a restoration terminal which receives, combines, and decrypts the payment approval request information distributed from the first terminal, performs authentication by comparing identification information included in the decrypted payment approval request information with identification information pre-stored in the service server, and transmits the decrypted payment approval request information when the authentication is successful; and a relay server which transmits the payment approval request information received from the restoration terminal to a card company server, generates payment completion information when the payment approval information is received from the card company server, and transmits the payment completion information to the first terminal. According to the present invention, it is unnecessary to store the credit card information upon online payment and to install a separate dedicated program, thereby improving security and providing user convenience.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and a method for simplifying a settlement process of a credit card, THEREOF}

The present invention relates to a system and method for simplifying the installation and settlement of credit card information for non-credit card information settlement for credit card settlement, and more particularly, A non-settlement of a credit card information for simple settlement of a credit card, a settlement program non-installment and a settlement procedure simplifying a settlement procedure by requiring a separate settlement program installation is not required.

Recently, as the number of users seeking convenience has increased, the online market has been rapidly growing, so that users can access anytime and anywhere a website, search for online information, purchase and purchase mobile communication terminals such as smart phones and smart pads Diffusion is spreading rapidly.

As the spread of the mobile communication terminal spreads, the mobile payment method as well as the computer-based payment method such as the existing desktop and laptop have been rapidly increasing in scale.

As a payment method applied to such a mobile communication terminal, card payment, account transfer, phone banking, and mobile phone payment, which are applied to a computer-based payment method such as a personal computer and a notebook computer, are applied. Among them, credit card payment method is the most applied.

As a result, each credit card company adopts a simple payment method that secures convenience with emphasis on convenience so that users can make payment more easily and quickly, or develops itself and makes payment.

For example, it is possible to store the credit card information (credit card number, valid period) in a user terminal such as a computer and a mobile communication terminal, authenticate the user by inputting the password, receive the stored credit card information, A special dedicated program for settlement is installed in the user terminal, and a dedicated program is executed to input a part of credit card information, thereby authenticating and making payment.

Such a payment method is advantageous in that it can be used quickly and conveniently. However, there is a problem that when the personal information inputted by the user is illegally leaked through an illegal screen capture program or a key capture program, the payment is greatly damaged.

BACKGROUND OF THE INVENTION [0002] The art of the present invention is disclosed in Korean Patent Publication No. 10-2003-0040296 (published on May 22, 2003).

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above-mentioned problems, and it is an object of the present invention to provide a credit card simple settlement system in which it is unnecessary to store credit card information at the time of online settlement, A system for saving credit card information, a system for not installing a billing program, and a system for simplifying settlement procedures, and a method thereof.

The system for simplifying the settlement and non-settlement of credit card information for non-credit card information for non-credit card payment according to the present invention comprises: a service server for managing a web site provided with a simple settlement service; A first terminal connected to the website through a communication network and encrypting payment approval request information and distributing encrypted payment approval request information when the simple payment service is selected as a payment method for an article to be purchased; Decrypts the decrypted payment approval request information from the first terminal, compares and decrypts the decrypted identification information included in the decrypted payment approval request information with the identification information previously stored in the service server, and if authentication is successful, decrypts A settlement terminal for transmitting the payment approval request information; And a mediation server for transmitting the payment approval request information received from the restoration terminal to a card company server and generating payment completion information upon receiving the payment approval information from the card company server and transmitting the payment completion information to the first terminal.

The card company server compares the identification information and the credit card information included in the payment approval request information received from the mediating server with the information stored in the card company DB, and approves the payment of the credit card and updates the card company DB And transmits the generated payment approval information to the mediation server.

And a second terminal connected to the website through the communication network and receiving a part of the payment approval request information distributed from the first terminal and delivering the received payment approval request information to the recovery terminal.

The payment approval request information may include payment information for the article, identification information input from a user, and credit card information.

The credit card information is transmitted to the first terminal through a short-range wireless communication such as Near Field Communication (NFC), Infrared Data Association (IrDA), Radio Frequency Identification (RFID) The card can be recognized and read.

The credit card information may include a credit card number and validity period recognized through the short-range wireless communication, and a CVC or CVV number and a password input from the user.

The method for saving credit card information for non-payment of credit card for simple payment of a credit card according to the present invention, and the method for simplifying the installation and payment procedure of a non-payment program according to the present invention is characterized in that the first terminal accesses a web site providing a simple settlement service through a communication network, Encrypting the payment approval request information and distributing the encrypted payment approval request information to the recovery terminal when the simple settlement service is selected as the payment method; Comparing the identification information included in the decrypted payment approval request information with the identification information stored in the service server managing the website, and authenticating the decrypted payment approval request information; Transmitting the decrypted payment approval request information to the intermediary server when the authentication is successful; Receiving the settlement approval request information from the restoration terminal and transmitting the settlement approval request information to the card company server; Generating payment approval information from the payment approval request information received by the card company server and transmitting the approval approval information to the mediation server; And generating the payment completion information from the payment approval information and transmitting the payment completion information to the first terminal.

The system for simplifying the installation and settlement of credit card information for non-storage of credit card information and the method for simplifying the settlement procedure for credit card quick payment according to the present invention requires no storing of credit card information at the time of online payment and a separate dedicated program for payment is installed So that security can be improved and user convenience can be provided.

In addition, the present invention can enhance security by encrypting and distributing information input at the time of online transaction, restoring distributed information at the time of settlement, and performing transactions.

In addition, the present invention allows credit card information to be recognized through a mobile communication terminal of a user through short-range wireless communication (for example, NFC), thereby making it unnecessary to input and store credit card information, The security can be improved.

In addition, since the payment program for easy settlement of credit cards is provided as one of payment methods in a website, it is unnecessary to install a separate dedicated program for payment required by each credit card company, thereby improving user convenience and satisfaction .

In addition, the present invention can enhance user authentication by performing additional authentication through biometrics such as fingerprint recognition when recognizing credit card information.

FIG. 1 is a block diagram illustrating a system for simplifying a settlement procedure for non-storing credit card information and a settlement program for credit card simple settlement according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating an embodiment of a simple settlement service provided on a web site in a credit card information non-storing and non-settlement program non-settlement and settlement procedure simplification system for a credit card simple settlement according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating credit card information read from a first terminal in a system for simplifying credit card information storage and payment program installation and settlement procedures for credit card simple settlement according to an embodiment of the present invention.
FIG. 4 is an embodiment showing a request for further biometrics when reading credit card information in FIG.
FIG. 5 is a simplified block diagram illustrating a service flow when a credit card information storage and payment program non-installation and settlement procedure simplification system for a credit card simple settlement according to an embodiment of the present invention is established in a mobile environment.
FIG. 6 is a simplified block diagram illustrating a service flow when a credit card information storage and payment program non-installation and settlement procedure simplification system for a credit card simple settlement according to an embodiment of the present invention is established in an online environment.
FIG. 7 is a simplified block diagram illustrating a service flow when a credit card information storage and payment program non-installation and settlement procedure simplification system for a credit card simple settlement according to an embodiment of the present invention is established in an offline environment.
FIG. 8 is a flowchart illustrating an operation flow of a method for saving credit card information for non-credit card simple settlement, non-installation of a settlement program, and simplifying a settlement procedure according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A system and method for simplifying credit card information storage and settlement program installation and settlement procedures for credit card simple settlement according to an embodiment of the present invention will be described with reference to the accompanying drawings. In this process, the thicknesses of the lines and the sizes of the components shown in the drawings may be exaggerated for clarity and convenience of explanation.

Further, the terms described below are defined in consideration of the functions of the present invention, which may vary depending on the intention or custom of the user, the operator. Therefore, definitions of these terms should be made based on the contents throughout this specification.

FIG. 1 is a block diagram illustrating a system for simplifying the installation and settlement procedure of a credit card information storage and payment program for credit card simple settlement according to an embodiment of the present invention, and FIG. 2 is a block diagram FIG. 4 is a diagram illustrating an embodiment of a simple settlement service provided on a web site in a system for simplifying a non-settlement of a settlement program and a non-settlement of a credit card information for a credit card simple settlement.

As shown in FIG. 1, a credit card information non-storing and non-settlement program non-installation and payment procedure simplification system 100 for credit card simple settlement according to an embodiment of the present invention includes a service server 110, a first terminal 120 A second terminal 130, a restoration terminal 140, a mediation server 150, and a card issuer server 160.

The service server 110 manages the website 111 where the simple settlement service 112 is provided.

At this time, the simple settlement service 112 in the present invention is one of the settlement methods provided in the settlement step of the website 111, and may be provided in the form as shown in FIG.

In detail, the simple settlement service 112 in the credit card information non-storing and non-settlement program non-settlement and settlement procedure simplification system 100 for a credit card simple settlement according to an embodiment of the present invention includes an additional application And can be replaced with the subscription and authentication of the corresponding web site 111 without installation. If the user agrees to the use of the simple settlement service 112 and accepts the credit card agreement, the user can easily and quickly use the settlement method It is provided as one.

Therefore, since the simple settlement service 112 is provided in the website 111, it is unnecessary to install a separate dedicated program for payment required by each company of the credit card 200, so that the convenience of the user and satisfaction can be improved .

The first terminal 120 is connected to the website 111 managed by the service server 110 via the communication network and if the simple settlement service 112 is selected as the settlement method for the goods to be purchased, Encrypts the information, and distributes the encrypted payment approval request information to the recovery terminal.

At this time, the payment approval request information includes payment information for an article to be purchased, identification information input from a user, and credit card information.

Here, it is preferable that the payment information includes the identification code of the article to be purchased, the quantity of the article to be purchased, and the price. However, the present invention is not limited thereto, and the information about the article And the identification information is information for identifying the mobile phone and the user. For example, the identification information may be a mobile phone number, a UUID, a website member ID, etc. The credit card information includes a credit card number, a validity period, a CVC / CVV A portion of the billing password may be included.

At this time, the credit card information is transmitted to the first terminal 120 by the user through short-range wireless communication of one of NFC (Near Field Communication), IrDA (Infrared Data Association), RFID (Radio Frequency Identification), and Bluetooth It may be read out by recognizing the credit card 200 that is in contact.

In addition, the credit card information may include a credit card number recognized through short-range wireless communication, an expiration date, and a CVC or CVV number and password input from the user.

FIG. 3 is a diagram illustrating credit card information read from a first terminal in a system for simplifying credit card information storage and payment program installation and settlement procedures for credit card simple settlement according to an embodiment of the present invention.

3, when the simple settlement service 112 is selected as a payment method for an item to be purchased by the user, the first terminal 120 receives a credit card 200 for simple settlement from the user, When it is determined that the credit card 200 is in contact with the first terminal 120, the information of the contacted credit card 200 is read through a short-range wireless communication such as NFC. At this time, the CVC or CVV number Key information such as passwords may receive further input from the user.

That is, basic information such as the card number, card type, and validity period recognized through short-range wireless communication between the first terminal 120 and the credit card 200, and card passwords input from the first terminal 120 by the user, Important information such as CVC / CVV, installment method, etc. may be included in the credit card information

Accordingly, the first terminal 120 encrypts the payment approval request information including the payment information for the article to be purchased, the identification information input from the user, and the credit card information, and distributes the encrypted payment approval request information To the terminal (140).

That is, the first terminal 120 is a terminal equipped with a short-range wireless communication module such as a smart phone, a smart pad, a tablet PC, a laptop, and a desktop, and is provided with an IC chip such as a credit card 200, a check card, It may be a terminal having an NFC function capable of reading card information, a terminal having a card reader attached thereto, and a terminal capable of data transmission wirelessly.

At this time, Near Field Communication (NFC) is a non-contact communication technology that uses a frequency band of 13.56 MHz as one of radio frequency identification (RFID) technologies. It is a next-generation LAN technology that is attracting attention due to its relatively low security and relatively low price because of its short communication distance. Since it is possible to use both data reading and writing functions, there is no need for a reader that was needed for RFID use, and it is similar to conventional short distance communication technology such as Bluetooth, but it is advantageous in that it does not need to set up between devices like Bluetooth, .

Accordingly, the present invention enables the information of the credit card 200 to be read through the short-range wireless communication (for example, NFC), thereby making it unnecessary to input and store the credit card 200 information, The security against leakage can be improved.

FIG. 4 is an embodiment showing a request for further biometrics when reading credit card information in FIG.

4, the first terminal 120 requests the biometrics authentication (e.g., fingerprint recognition) of a predetermined format before or after the reading of the information of the credit card 200, It may also strengthen the certification for.

In other words, the present invention may enhance user authentication by performing additional authentication through biometrics such as fingerprint recognition in recognition of information of the credit card 200.

The restoring terminal 140 receives the payment approval request information distributed from the first terminal 120 and combines and decrypts the identification information included in the decrypted payment approval request information and the identification information stored in the service server 110 And transmits the decrypted payment approval request information to the intermediary server 150 when the authentication is successful.

That is, the present invention can improve the security of the personal information by encrypting and storing the information inputted at the time of online transaction, restoring the dispersed information at the time of payment, and transmitting the restored information to the intermediary server 150.

The intermediary server 150 transmits the payment approval request information received from the recovery terminal 140 to the card company server 160 and generates the payment completion information when receiving the payment approval information from the card company server 160, 120).

The card issuer server 160 compares the identification information and the credit card information included in the payment approval request information received from the mediation server 150 with the information stored in the card company database (not shown) And transmits the generated payment approval information to the intermediary server 150 by updating the card company DB.

FIG. 5 is a simplified block diagram illustrating a service flow when a credit card information storage and payment program non-installation and settlement procedure simplification system for a credit card simple settlement according to an embodiment of the present invention is established in a mobile environment.

Referring to FIG. 5, in order to simplify a system for simplifying the installation and settlement of credit card information for non-storing and payment of credit cards for credit card simple settlement according to an embodiment of the present invention, The information of the credit card 200 in contact with the first terminal 120 is read out and the basic information of the read credit card 200 and the main information added from the user The payment information for the goods to be purchased and the identification information inputted by the user and transmits the encrypted information to the restoring terminal 140. When the authentication is completed in the restoring terminal 140, the mediation server 150 decrypts the encrypted information, And finally transmits it to the card issuer server 160 so that payment is approved.

As described above, it is possible to improve the security and provide the user convenience by not requiring the installation of the payment program without storing the information of the credit card 200 in the payment of the credit card, and by simplifying the payment procedure.

6 is a simplified block diagram illustrating a service flow when a credit card information storage and payment program non-installation and settlement procedure simplification system for a credit card simple settlement according to an embodiment of the present invention is established in an online environment .

Referring to FIG. 6, a system for simplifying a credit card information non-storing and non-settlement program installation and settlement procedure for a credit card simple settlement according to an embodiment of the present invention includes a simple settlement service 112 The second terminal 130 may be connected to the web site 111 through the communication network and may receive the payment approval from the first terminal 120. In this case, And may transmit a part of the request information to the recovery terminal 140.

In this case, the payment approval request information may further include an authentication number transmitted from the first terminal 120. The second terminal 130 may receive the encrypted authentication number from the first terminal 120, And may be input to the terminal 130 and transmitted to the restoration terminal 140.

Here, the second terminal 130 may be a computer terminal providing a browser, a server program, a client program, a POS, or the like, and may be connected to a network to receive a simple settlement service 112 from the service server 110 Means a device that can be used.

Accordingly, the restoring terminal 140 receives the payment approval request information from the first terminal 120 and the second terminal 130, and combines and decrypts the information. When the authentication is completed, the restoring terminal 140 decrypts the encrypted information and transmits the decrypted information to the mediation server 150 And finally transmits it to the card issuer server 160 so that payment is approved.

FIG. 7 is a simplified block diagram illustrating a service flow when a credit card information storage and payment program non-installation and settlement procedure simplification system for a credit card simple settlement according to an embodiment of the present invention is established in an offline environment

Referring to FIG. 7, in order to simplify a system for simplifying the installation and payment procedure of a credit card information storage and payment program for credit card simple settlement according to an embodiment of the present invention, an offline environment, that is, When the simple settlement service 112 is used in the environment, the information read after the credit card 200 is read from the first terminal 120 is transmitted to the agent terminal 170 and transmitted to the intermediary server 150, And finally to the server 160 so that the payment is approved.

FIG. 8 is a flowchart illustrating an operation flow of a method for storing credit card information for non-credit card simple settlement, a non-settlement program for non-settlement program, and a settlement procedure according to an embodiment of the present invention. Explain.

First, when the first terminal 120 is connected to the web site 111 providing the simple settlement service 112 through the communication network and the simple settlement service is selected as the settlement method for the article to be purchased (S810) Encrypts the request information, and distributes the encrypted payment approval request information to the recovery terminal 140 (S820).

At this time, the web site 111 provided with the simple settlement service 112 is managed by the service server 110, and the simple settlement service 112 according to the present invention is managed by the settlement As one of the methods, it may be provided in the form shown in Fig. 2 as described above.

The payment approval request information includes payment information for an article to be purchased by the user, identification information input from the user, and credit card information.

Here, the credit card information is transmitted to the first terminal 120 through a short-range wireless communication, such as NFC (Near Field Communication), IrDA (Infrared Data Association), RFID (Radio Frequency Identification) It may be read out by recognizing the credit card 200 that is in contact.

In addition, the credit card information may include a credit card number recognized through short-range wireless communication, an expiration date, and a CVC or CVV number and password input from the user.

That is, the first terminal 120 is a terminal equipped with a short-range wireless communication module such as a smart phone, a smart pad, a tablet PC, a laptop, and a desktop, and is provided with an IC chip such as a credit card 200, a check card, It may be a terminal having an NFC function capable of reading card information, a terminal having a card reader attached thereto, and a terminal capable of data transmission wirelessly.

At this time, in step S820, the second terminal 130 transmits part of the distributed payment approval request information to the second terminal 130, and the second terminal 130 may transmit a part of the payment approval request information to the recovery terminal 140. [

Here, the second terminal 130 may be a computer terminal providing a browser, a server program, a client program, a POS, or the like, and may be connected to a network to receive a simple settlement service 112 from the service server 110 Means a device that can be used.

In this case, the payment approval request information may further include an authentication number transmitted from the first terminal 120. The second terminal 130 may receive the encrypted authentication number from the first terminal 120, And may be input to the terminal 130 and transmitted to the restoration terminal 140.

Then, the restoration terminal 140 receives the distributed payment approval request information, combines and decodes the identification information included in the decrypted payment approval request information, and stores the identification information included in the decrypted payment approval request information, which is stored in the service server 110 managing the website 111 The identification information is compared and authenticated (S830).

Here, the identification information is information for identifying the mobile phone and the user, and may be, for example, a mobile phone number, a UUID, a website member ID, and the like.

If the authentication is successful in step S830, the recovery terminal 140 transmits the decrypted payment approval request information to the intermediary server 150 (S840).

Then, the intermediary server 150 transmits the payment approval request information received in step S840 to the card company server 160 (S850).

At this time, the card issuer server 160 compares the identification information and the credit card information included in the payment approval request information received in step S850 with the information stored in the card company DB (not shown), and approves the payment of the credit card (S860), updates the card company DB, and transmits the generated payment approval information to the intermediary server 150 (S870).

Then, the intermediary server 150 generates payment completion information from the payment approval information received in step S870 and transmits it to the first terminal 120 (S880).

At this time, the mediating server 150 may transmit the settlement completion information to the second terminal 130 as well.

As described above, the system for saving credit card information for simple credit card payment according to the present invention, the system for not installing a billing program, and the method for simplifying the settlement process and the method thereof require no storing of credit card information at the time of online payment, So that it is possible to improve the security and provide user convenience.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the scope of the invention as defined by the appended claims. will be. Accordingly, the true scope of the present invention should be determined by the following claims.

110: service server 111: website
112: Simple settlement service 120: First terminal
130: second terminal 140: restoration terminal
150: mediation server 160: card issuer server
200: Credit card

Claims (12)

In a system for not storing credit card information for simple payment of a credit card, installing a billing program, and simplifying a payment procedure,
A service server for managing a web site provided with a simple settlement service;
A first terminal connected to the website through a communication network and encrypting payment approval request information and distributing encrypted payment approval request information when the simple payment service is selected as a payment method for an article to be purchased;
Decrypts the decrypted payment approval request information from the first terminal, compares and decrypts the decrypted identification information included in the decrypted payment approval request information with the identification information previously stored in the service server, and if authentication is successful, decrypts A settlement terminal for transmitting the payment approval request information; And
And a mediating server for transmitting the payment approval request information received from the recovery terminal to the card company server and generating payment completion information upon receipt of the payment approval information from the card company server and transmitting the payment completion information to the first terminal, Saving, non-payment programs and simplifying payment procedures. The method according to claim 1,
The card company server,
The identification information and the credit card information included in the payment approval request information received from the mediating server are compared with the information stored in the card company DB and if they agree with each other, To the mediating server, a credit card information non-storing and non-settlement program non-installation and settlement procedure. The method according to claim 1,
And a second terminal connected to the website through the communication network and receiving a part of the payment approval request information distributed from the first terminal and delivering the received payment approval request information to the restoring terminal, Simplifies installation and payment procedures. The method according to claim 1,
The payment approval request information
Storing the credit card information for credit card simple settlement including payment information for the article, identification information entered from the user, and credit card information; 5. The method of claim 4,
The credit card information
The first terminal recognizes a credit card contacted by the user through near field communication (NFC), infrared data association (IrDA), radio frequency identification (RFID) The shipment is a system for not storing credit card information, installing a billing program, and simplifying payment procedures. 6. The method of claim 5,
The credit card information
A system for simplifying installation and settlement of non-storing and payment programs, including a credit card number and a valid period recognized through the short-range wireless communication, and a CVC or CVV number and a password input from the user. In a method for non-storage of credit card information for non-credit card settlement, non-settlement program installation, and simplification of settlement procedure,
When the first terminal is connected to a web site providing a simple settlement service through a communication network and selects the simple settlement service as a settlement method for an item to be purchased, the first terminal encrypts the settlement approval request information, And delivering the decoded data to the restoration terminal;
Comparing the identification information included in the decrypted payment approval request information with the identification information stored in the service server managing the website, and authenticating the decrypted payment approval request information;
Transmitting the decrypted payment approval request information to the intermediary server when the authentication is successful;
Receiving the settlement approval request information from the restoration terminal and transmitting the settlement approval request information to the card company server;
Generating payment approval information from the payment approval request information received by the card company server and transmitting the approval approval information to the mediation server; And
And generating the payment completion information from the received payment approval information and transmitting the payment completion information to the first terminal, wherein the intermediation server transmits the payment completion information to the first terminal. 8. The method of claim 7,
Wherein the card issuer server generates the approval approval information and transmits the approval approval information to the intermediary server,
Comparing the identification information and the credit card information included in the payment approval request information received by the card company server with the information stored in the card company DB; And
If the comparison result is identical, approving the payment of the credit card and updating the card company DB, and transmitting the generated payment approval information to the intermediary server
Storing non-credit card information including non-payment programs, and simplifying payment procedures. 8. The method of claim 7,
The step of distributing the encrypted payment approval request information to the recovery terminal,
A part of the distributed payment approval request information is transmitted to the second terminal, and the second terminal simplifies the installation and settlement of the non-storing and payment program of the credit card information for transferring a part of the payment approval request information to the restoration terminal Way. 8. The method of claim 7,
Wherein the settlement approval request information includes settlement information for the goods, identification information entered from a user, and credit card information. 11. The method of claim 10,
The credit card information is transmitted to the first terminal through a short-range wireless communication such as Near Field Communication (NFC), Infrared Data Association (IrDA), Radio Frequency Identification (RFID) It does not store credit card information that recognizes and reads the card, and does not install the payment program and simplifies the payment procedure. 12. The method of claim 11,
Wherein the credit card information includes a credit card number recognized through the short-range wireless communication, an expiration date, and a CVC or CVV number and password input from the user.

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