KR20160101217A - Method for Operating Payment by using Unregistered Card - Google Patents

Abstract

The present invention relates to a payment management method using an anonymous card, and a payment management method using an anonymous card according to the present invention is a method executed by a card management server of a card issuer, A first step of managing card identification information for identifying N (N > = 2) bearer cards provided by a card issuer; (1 ≤ n ≤N); and a second step of reading the n-th card identification information through the card identification information, A third step of confirming whether the n-th card is a card provided by the card issuing company, A fourth step of identifying an n-th identification code generated so as to uniquely identify the n-th card possessed by the card issuing company, and a step of storing the n-th card identification information and the n-th identification code in the card management D / When the payment request message including the card information transmitted through the payment terminal for the payment request is received through the designated payment path, the card information included in the payment request message using the card identification information If the card information of the payment request telegram is card information corresponding to N bearer cards provided by the card issuer, Inquiring of the card management D / B through the card information to confirm whether it matches the n-card identification information already registered for payment processing of the specified payment method, N card identification information for identifying the user and the n-th card simultaneously from the card management D / B, if the card information of the payment request specialist matches the pre-registered n-th card identification information Step 9, step 8, and step 9 of generating an approval request message including the payment amount of the payment request, the merchant information, and the identified n-th identification code, and providing the authorization request message to the payment operation server of the designated payment operator, Wherein the n-th identification code is mapped with the personal information of the user in a payment operation D / B of the payment operator processing the payment requested using the n-th card.
Meanwhile, a method for executing a payment operation using an anonymous card according to the present invention is a method executed through a payment operation server of a payment operator, the method comprising: The method comprising: a first step of receiving personal information of a user who holds the personal information of the communication company, a first step of receiving personal information of a user who holds the personal information, and a step of confirming whether the user corresponding to the personal information is a subscriber of the communication company, , It maps the personal information of the user and the n-th identification code generated to uniquely identify the user having the n-th card and the n-th card held by the user at the same time, And a third step of designating the specific payment method based on the payment request message received from the payment terminal in the card management server of the card issuer providing the bearer card A fourth step of receiving the approval request telegram from the card issuing company's card issuer providing the bearer card when an approval request telegram including the first n-th identification code, the payment amount, and merchant information requested for payment is generated and transmitted, A fifth step of inquiring the settlement operation D / B to confirm whether the n-th identification code of the approval request specialization matches an identification code previously registered for payment processing of the specific payment method, A sixth step of confirming the personal information of the user registered and mapped with the n-th identification code from the payment operation D / B when the identification code is an identification code previously registered for payment processing of the specific payment method; A seventh step of requesting subscriber authentication by providing personal information of a user mapped with the n-th identification code to a communication company server provided in the server, When the user is authenticated as a subscriber of the communication company, a payment amount of the approval request telegram is provided to the server of the communication company to request a limit approval or a limit provided by the communication company server is compared with the payment amount, And a ninth step of generating an approval result telegram including an approval result of the subscriber authentication and the limit approval, and providing the user with the approval result telegram to the card issuing company's card issuing company that has provided the n-th card to the user, The identification code is mapped to the n-th card identification information for the n-th card and is stored in the card management D / B of the card issuing company.

Description

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

The present invention performs a settlement procedure based on a communication fee charged by a designated communication company to an nth (1? N? N) card held by a user among N (N? 2) The card issuer confirms whether the payment request is made using the n-th card from the payment terminal, and if the payment issuer requests permission to the specified payment operator, the payment operator checks the personal information of the user mapped with the n-th card And performs an approval procedure of the communication fee-based settlement.

A telephone bill settlement service that provides a micropayment using a communication fee charged to a user by a communication company is provided. Currently, three companies, such as DANAL, MOBILION, and INFOFFREE, provide their own VoIP billing services in their own way. Basically, users are provided with payment information by inputting communication company information, mobile phone number, and resident registration number in a designated area on a web page .

However, in order to make a payment request, such a phone bill is required to input a communication company information, a mobile phone number and a resident registration number in order to make a payment request. Therefore, when providing an online payment, there is a risk of exposing a user's personal information (communication company information, mobile phone number and resident registration number) Even if it is applied to offline payment, there is a problem that the user's personal information must be provided to the offline store.

On the other hand, when the conventional phone bill payment is applied to offline merchant payment, the payment terminal of most offline merchants is currently establishing a card payment infrastructure in such a manner that the VAN and the card issuer are linked to each other, , A mobile phone number, and a resident registration number, it is necessary to change or add the conventional card settlement infrastructure so as to conform to the payment of the phone bill.

In order to solve the above problems, an object of the present invention is to provide a method and system for providing a payment card capable of paying through a payment terminal of an offline merchant, (1 < / = N < / RTI > N) card among the plurality of bearer cards, and registers the n-th card held by the user as an identification medium capable of requesting payment based on the communication fee without inputting personal information of the user, When the card issuer requests payment from the payment terminal using the n-th card, the payment issuer requests permission to use the n-th card as the designated payment operator, And an authentication process using a bearer card to confirm the personal information of the mapped user and to perform an approval procedure of the communication fee-based payment It is to provide a method of operation.

A method of payment management using a bearer card according to the present invention is a method executed through a card management server of a card issuer, comprising the steps of: receiving N (N? 2) (1 ≤ n ≤ N) cards held by a user among the N bearer cards via a designated path from a user terminal, A third step of reading n-th card identification information through the card identification information and confirming whether the n-th card held by the user is a card provided by the card issuing company; n < / RTI > card generated by the card issuer to uniquely identify a user having the n-th card and an n-th card held by the user, A fifth step of mapping the n-th card identification information and the n-th identification code to a card management D / B of a card issuer; When the payment request message including the card information is received through the designated payment path, the card information included in the payment request message is recognized as the card information corresponding to the N bearer cards provided by the card issuer And if the card information of the payment request telegram is card information corresponding to N bearer cards provided by the card issuer, the card management D / B is inquired through the card information, Of the payment request is matched with the previously registered n-th card identification information for payment processing of the payment request, An eighth step of confirming a previously registered n-th identification code for uniquely identifying the user and the n-th card simultaneously from the card management D / B; And a ninth step of requesting a payment approval procedure by providing an approval request message including a received n-th identification code to a payment operation server of a designated payment operator, And is mapped with the personal information of the user in the payment operation D / B of the payment operator who processes the requested payment.

According to the present invention, the second step may include receiving the n-th card identification information by communicating with the terminal of the user, or receiving the n-th card identification information via the payment operating server of the payment operator communicating with the user terminal, Lt; / RTI >

According to the present invention, when the n-th card is an anonymous card provided by the card issuer, the payment operation method using the bearer card generates an n-th identification code for uniquely identifying the user and the n-th card at the same time The method comprising the steps of: The payment operation method using the bearer card may further include providing the n-th identification code to the payment operation server of the payment operator when the n-th identification code is generated.

According to the present invention, when the n-th card is an anonymous card provided by the card issuer, the payment operation method using the bearer card may be performed simultaneously with the payment operation server of the payment operator, And generating or receiving a n-th identification code for unique identification.

According to the present invention, the n-th identification code may be generated using at least one or a part of the n-th card identification information and the user's personal information.

According to the present invention, the N bear cards are provided by recording the card information including the card number of the card number scheme available for payment through the payment terminal of the offline merchant on a designated medium, A credit card which can be used for settlement without granting a credit limit, and an account linkage card which can be used for settlement without interlocking with the settlement account.

According to the present invention, a specific payment method may include a payment method in which payment processing is performed using personal information of a user without receiving personal information of the user from the payment terminal. Preferably, the specific payment method may include a payment method for processing a payment based on a communication charge using personal information of the user without receiving the user's personal information from the payment terminal.

According to the present invention, the payment operation method using the bearer card may further include a step of, when the personal information of the user mapped with the n-th identification code from the payment operation server and previously registered in the payment operation D / A step 10 of receiving an approval result telegram including an approval result of performing a payment approval procedure on the amount of money, and a step of generating a payment result telegram corresponding to the telephony request telegram based on the approval result telegram, And providing the payment terminal to the payment terminal.

Meanwhile, a method for executing a payment operation using an anonymous card according to the present invention is a method executed through a payment operation server of a payment operator, the method comprising: The method comprising: a first step of receiving personal information of a user who holds the personal information of the communication company, a first step of receiving personal information of a user who holds the personal information, and a step of confirming whether the user corresponding to the personal information is a subscriber of the communication company, , It maps the personal information of the user and the n-th identification code generated to uniquely identify the user having the n-th card and the n-th card held by the user at the same time, And a third step of designating the specific payment method based on the payment request message received from the payment terminal in the card management server of the card issuer providing the bearer card A fourth step of receiving the approval request telegram from the card issuing company's card issuer providing the bearer card when an approval request telegram including the first n-th identification code, the payment amount, and merchant information requested for payment is generated and transmitted, A fifth step of inquiring the settlement operation D / B to confirm whether the n-th identification code of the approval request specialization matches an identification code previously registered for payment processing of the specific payment method, A sixth step of confirming the personal information of the user registered and mapped with the n-th identification code from the payment operation D / B when the identification code is an identification code previously registered for payment processing of the specific payment method; A seventh step of requesting subscriber authentication by providing personal information of a user mapped with the n-th identification code to a communication company server provided in the server, When the user is authenticated as a subscriber of the communication company, a payment amount of the approval request telegram is provided to the server of the communication company to request a limit approval or a limit provided by the communication company server is compared with the payment amount, And a ninth step of generating an approval result telegram including an approval result of the subscriber authentication and the limit approval, and providing the user with the approval result telegram to the card issuing company's card issuing company that has provided the n-th card to the user, The identification code is mapped to the n-th card identification information for the n-th card and is stored in the card management D / B of the card issuing company.

According to the present invention, the first step includes: receiving n-th card identification information for an n-th card held by a user out of the N number of bearer cards from the terminal of the user; To a card management server of the card issuing company.

According to the present invention, the second step may further include checking an n-th identification code generated so as to uniquely identify the user having the n-th card and the n-th card held by the user at the same time. Meanwhile, the payment operation method using the bearer card may include generating an n < th > identification code for uniquely identifying the user and the n < th > card at the same time. The payment operation method using the bearer card may further include providing the n-th identification code to the card management server of the card issuer when the n-th identification code is generated. The payment operation method using the bearer card may include generating or receiving an n < th > identification code for uniquely identifying the user and the n < th > card simultaneously with the card management server of the card issuer.

According to the present invention, there is an advantage that the communication fee-based payment service is used by using the bearer card provided by the card issuer without inputting the user's personal information at the time of payment.

According to the present invention, there is an advantage in using the communication fee-based payment service using the bearer card provided by the card issuer without replacing / correcting the payment terminal of the offline merchant.

According to the present invention, there is an advantage that the communication fee-based payment service is used by using the bearer card provided by the card issuer without replacing / correcting the payment infrastructure based on the conventional card payment.

1 is a block diagram illustrating a system for registering a payment means for a communication fee based payment using a card according to an embodiment of the present invention.
FIG. 2 and FIG. 3 illustrate a process of registering a payment means for a communication fee-based payment using a card according to an embodiment of the present invention.
4 and 5 illustrate a process of registering a payment means for a communication fee based payment using a card according to another embodiment of the present invention.
6 is a diagram showing a configuration of a system for processing a payment using a card provided by a card issuer according to an embodiment of the present invention.
7 and 8 illustrate a process of processing a payment using a card provided by a card issuer according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram illustrating a configuration of a system for registering a payment means for a communication fee-based payment using a card according to an embodiment of the present invention.

In more detail, FIG. 1 shows an example of a case where a card issuer uses a communication fee charged by the user in an n-th (1? N? N) card owned by a user among N (N? 2) It is to be understood by those skilled in the art that various changes and modifications may be made without departing from the scope of the present invention by referring to and / (For example, some of the constituent parts may be omitted, or subdivided, or combined). However, the present invention includes all of the above-mentioned methods of practicing the invention, Technical features are not limited.

A system according to an embodiment of the present invention includes a terminal 100 of a user who requests registration of an n-th card held by a user among N cards provided by a card issuer as an identification medium for settlement based on a communication fee, N card identification information for identifying the n-th card held by the user and an n-th identification code for identifying the user and the n-th card at the same time, the card management D / B card 118, and a payment operator who performs a series of procedures for communication fee-based settlement in cooperation with the designated communication company server 185, And a payment operation server 150 for managing the personal information and the payment operation D / B 178 for mapping and storing an n-th identification code for identifying the user and the n-th card at the same time.

The terminal 100 of the user is a collective term for a terminal requesting registration of the n-th card held by the user among the N cards provided by the card issuer as an identification medium for settlement based on the communication fee, And may include various user terminals including a terminal (e.g., a user's personal computer), a wireless terminal carried by the user (e.g., a user's mobile phone, a smart phone, a tablet PC, etc.). Meanwhile, when the payment operator distributes (or supplies or sells) the n-th card to the user, the terminal 100 of the user may include the terminal of the payment operator (or the server of the payment operator) Is not limited. The terminal 100 of the user may include the terminal of the communication company (or a server of the communication company) when the n-card is distributed (or supplied or sold) to the user by the designated communication company, Or more.

The card management server 110 includes n-th card identification information for identifying the n-th card held by the user and n-th card identification information for identifying the user and the n-th card, The card issuer is a general term for a server that manages the card management D / B 118 for storing and mapping the identification code. Preferably, the card issuer transmits the identification code to the card issuing company through a reader provided in the payment terminal 600 (for example, POS / And an organization or an enterprise that issues a card that is read and requests payment through a designated payment path (e.g., a VAN). For example, the card issuer may include at least one of a credit card, a credit card company issuing a check card, a bank issuing a check card, a debit card, a cash card, and a prepaid card company issuing various prepaid cards.

The payment operation server 150 is provided in a payment operator who performs a series of procedures for communication fee based payment in cooperation with a designated communication company server 185 (e.g., mobile communication company server 185) (178) for mapping and storing personal information of a user who owns and an n-th identification code for identifying the user and an n-th card at the same time, And the other party may interwork with the communication company server 185 that charges the communication fee to the user.

1, the card management server 110 includes an identification information management unit 114 for managing card identification information for identifying N (N > = 2) cards provided by the card issuing company, (122) for receiving n-th card identification information for the n-th card (1? N? N) card held by the user among the N cards via a designated path from the card identification information storage unit (100) An identification information authentication unit (126) for reading the n-th card identification information through the card issuer to confirm that the n-th card held by the user is a card provided by the card issuer; and An identification code determination unit (130) for identifying an n-th identification code generated for simultaneously identifying a user having the n-th card and an n-th card held by the user in the case of a card, And the n < th > And an identification code storage unit 134 for storing the identification code stored in the card management D / B 118 of the issuer. The information receiver 122 receives the n-th card from the terminal 100 The personal information of one user can be received.

The identification information management unit 114 stores card identification information for identifying N cards provided by the card issuer. Wherein the card identification information includes an identification number corresponding to a designated area (for example, a BIN area) among the card numbers assigned to the N cards and a verification rule for verifying validity of the card number, Lt; RTI ID = 0.0 > N < / RTI > The identification information management unit 114 may store and manage an identification number and a verification rule for identifying the N cards in the program code, or may store N cards for the N cards in the card management D / The number can be stored and managed.

According to an embodiment of the present invention, the N cards include cards having a card number scheme that can be requested for payment through the payment terminal 600 of an offline merchant, And a medium for recording the card information includes at least one of an IC (Integrated Circuit) chip provided on the card and an MS (Magnetic Stripe) provided on one side of the card can do. In this case, the N cards may be supplied to the user and may not identify who has the card before requesting the card management server 110 to register with the card management server 110 as a communication-based payment identification medium. When the N cards are provided as bearers, the n < th > card among the N cards is distributed (or sold) to the user through a payment operator or a communication company or a separate affiliate, .

According to another embodiment of the present invention, the N cards are cards issued after the card issuer confirms the names, and include card numbers of card number schemes available for payment through the payment terminal 600 of the offline merchant The medium for recording the card information may include at least one of an IC chip provided on the card and an MS provided on one side of the card. Meanwhile, in order to use the issued card as an identification medium of the communication fee-based payment even if the N cards are issued after the name confirmation, the card management server 110 requests registration and registration as a communication medium based payment identification medium do.

According to the method of the present invention, when the N cards include an IC chip, the N cards may include a contact type IC card, a contactless type IC card, or a combination type IC card.

According to the first card embodiment of the present invention, the N cards may include a prepaid card that can be used as an identification medium of a communication fee-based payment without extra charging, And card information including a card number of a card number scheme that can be requested for payment through a predetermined medium. The rechargeable prepaid card may be provided as an anonymous name or may be issued after confirming the name through the card issuer.

According to the second card embodiment of the present invention, the N cards can be used for prepayment by charging the charging money through a designated charging procedure, and can use the charging money as a separate payment separate from the prepayment And the rechargeable prepaid card may include card information including a card number of a card number scheme available for payment through the payment terminal 600 of the offline merchant, And recorded on a designated medium. The rechargeable prepaid card may be provided as an anonymous name or may be issued after confirming the name through the card issuer.

According to the third card embodiment of the present invention, the N cards may include a credit card that can be used as an identification medium of a communication fee-based payment without giving a separate credit limit, It is preferable that card information including a card number of a credit card number scheme that can be requested for payment through the terminal 600 is recorded in a designated medium. The credit card is a card that records card information including a credit card number system card number that can be requested for payment through a payment terminal 600 of an offline merchant on a designated medium and does not substantially include a credit payment function, Or issued after confirming the name of card issuer.

According to the fourth card embodiment of the present invention, the N cards can be used for credit settlement by giving a separate credit limit, and at the same time, as a separate settlement separate from the credit settlement, Based payment, and the credit card records card information including the card number of the credit card number scheme requestable for payment through the payment terminal 600 of the offline merchant on the designated medium . The credit card can be issued after confirming the name through the card issuer.

According to the fifth card embodiment of the present invention, the N cards may include at least one of a check card, a debit card, and a cash card that can be used as an identification medium of a communication fee-based payment without interlocking with a separate payment account And the account linkage card may be formed by recording card information including a card number of a card number scheme requestable for payment through a payment terminal 600 of an offline merchant on a designated medium. The account linkage card is a card in which card information including a card number of a card number scheme that can be requested for payment through the payment terminal 600 of an offline merchant is recorded on a designated medium and substantially does not include a payment account linkage function, Or issued after confirming the identity of the card issuer.

According to the sixth card of the present invention, the N cards can be used in an account-linked settlement in a debit form in conjunction with a separate settlement account, and can be used as a separate settlement separate from the account- A debit card, and a cash card, which can be used as an identification medium of the communication fee based payment without interlocking with each other, and the account connection card can be used for payment through the payment terminal 600 of the offline merchant It is preferable that card information including a card number of a requestable card number system is recorded in a specified medium. The account linkage card can be issued after the card issuer confirms the name.

The information receiving unit 122 receives the n-th card identification information for the n-th card corresponding to the card held by the user among the N cards provided by the card issuing company via the designated path from the user terminal 100 do. Preferably, the n-th card identification information includes card information recorded in the medium of the n-th card, and / or may include information printed (or printed) on at least one surface of the n-th card.

According to the first embodiment of the present invention, the information receiving unit 122 communicates with the terminal 100 of the user so as to receive, from the terminal 100 of the user, the n-th card Lt; RTI ID = 0.0 > n-th < / RTI > Meanwhile, according to an embodiment of the present invention, the user terminal 100 can communicate with a designated access server (e.g., a mobile server corresponding to the application when the user terminal 100 is a wireless terminal equipped with a specific application) In this case, the information receiving unit 122 may receive the n-th card identification information from the terminal 100 of the user through the connection server.

According to the embodiment of receiving the second identification information of the present invention, the user terminal 100 may communicate with the payment operation server 150 of the payment operator or may be the terminal of the payment operator. In this case, 122 may receive the n < th > card identification information for the n < th > card held by the user out of the N cards via the payment operation server 150. [

According to the embodiment of receiving third identification information of the present invention, the user terminal 100 may be a terminal communicating with a server of a communication company or a terminal provided at the communication company (or a dealer / branch of a communication company) The information receiving unit 122 may receive the n-th card identification information for the n-th card held by the user among the N cards via the server of the communication company.

When the n-th card identification information for the n-th card held by the user is received via the information receiving unit 122, the identification information authenticating unit 126 reads the n-th card identification information through the card identification information And the n-th card held by the user is one of the N cards provided by the card issuer. For example, when the card identification information includes an identification number and verification rule for identifying the N cards and the n-th card identification information includes the card number of the n-th card, the identification information authentication unit 126 ) Can authenticate that the card number of the n-th card identification information includes the identification number and conforms to the numbering scheme according to the verification rule. Or when the card identification information includes the card number for the N cards and the n-th card identification information includes the card number of the n-th card, the identification information authenticating section 126 authenticates the n-th card The N card numbers can be inquired and authenticated through the card number.

When the validity of the n-th card identification information for the n-th card held by the user is authenticated through the identification information authenticating unit 126 and the n-th card is confirmed by the card provided by the card issuer, The code determining unit 130 can check the n-th identification code generated so as to uniquely identify the user having the n-th card and the n-th card held by the user at the same time.

Meanwhile, according to the embodiment of the present invention, the information receiving unit 122 can receive the personal information of the user who owns the n-th card via the designated path from the terminal 100 of the user. Preferably, the personal information of the user includes information (e.g., a name of a user, a resident registration number (or part of a resident registration number), a date of birth, an IP phone number, a mobile phone number Information used to identify the subscriber among the numbers). However, the personal information of the user is not limited to the above example, and any information may be used as long as the information is available for confirming the subscriber registered in the communication company.

According to the embodiment of the present invention, the information receiving unit 122 communicates with the terminal 100 of the user and receives the user information of the user who holds the n-th card from the terminal 100 of the user The personal information of the user can be received. Meanwhile, according to an embodiment of the present invention, the user terminal 100 can communicate with a designated access server (e.g., a mobile server corresponding to the application when the user terminal 100 is a wireless terminal equipped with a specific application) In this case, the information receiving unit 122 may receive the personal information of the user from the terminal 100 of the user through the connection server.

According to the embodiment of the personal information receiving side of the second card issuer of the present invention, the user terminal 100 may communicate with the payment operation server 150 of the payment operator or may be the terminal of the payment operator, The information receiving unit 122 may receive the personal information of the user having the n-th card via the payment operating server 150.

According to the third embodiment of the present invention, the user terminal 100 may communicate with a server of a communication company or may be a terminal provided at the communication company (or a dealer / branch of a communication company) In this case, the information receiving unit 122 can receive the personal information of the user having the n-th card via the server of the communication company.

1, when the card management server 110 receives the personal information of the user having the n-th card, the card management server 110 transmits a personal information authentication unit 158 for authenticating the validity of the user's personal information . Meanwhile, the personal information authentication unit 158 may be provided in the payment operation server 150 according to an embodiment of the present invention. In this case, the personal information authentication unit 158 of the card management server 110 may be omitted.

The personal information authentication unit 158 authenticates whether the personal information received through the information receiving unit 122 is valid personal information of an actual user. For example, the personal information authentication unit 158 may provide the personal information to a designated real name authentication server (not shown) so that the personal information can be authenticated by requesting authentication as effective personal information of an actual user. If the card issuer is one of the blindness verification agencies, the personal information authentication unit 158 can authenticate that the personal information is valid personal information of the actual user according to the real name authentication procedure of the card issuer.

The validity of the n-th card identification information for the n-th card held by the user is authenticated through the identification information authenticating unit 126, the n-th card is confirmed by the card provided by the card issuing company, When the personal information of the user holding the n-th card is received via the receiving unit 122, the identification code determining unit 130 identifies the user having the n-th card and the n-th card held by the user simultaneously It is possible to identify the n-th identification code generated for unique identification.

According to an embodiment of the present invention, the identification code determination unit 130 generates a non-redundant code value in accordance with a designated code generation algorithm to simultaneously identify the user and the n-th card N < / RTI > identification code.

According to the second card issuer side identification code checking embodiment of the present invention, the identification code determining unit 130 determines whether the user and the user are authenticated by using the n-th card identification information authenticated through the identification information authenticating unit 126 n < / RTI > identification code that uniquely identifies the n cards at the same time. For example, the identification code determination unit 130 may include the n-th card identification information (or a part of the n-th card identification information) as one of the factors to be substituted into the specified hash algorithm, Quot; n "

According to an embodiment of the present invention, the identification code determination unit 130 determines whether the user and the n < th > card are authenticated by using the personal information of the user received through the information receiving unit 122 At the same time, a n-th identification code for unique identification can be generated. For example, the identification code determination unit 130 may include the user's personal information (or a part of personal information) as one of the factors to be assigned to the designated hash algorithm, Lt; RTI ID = 0.0 > n < / RTI >

The identification code determination unit 130 determines whether or not the n-th card identification information authenticated through the identification information authentication unit 126 and the n-th card identification information authenticated through the identification information authentication unit 126 correspond to the n-th card identification information, N < / RTI > identification code that uniquely identifies the user and the n < th > card at the same time. For example, the identification code determination unit 130 may include the n-th card identification information (or a part of the n-th card identification information) as one of the factors to be substituted into the specified hash algorithm, An is included in the user's personal information (or a part of the personal information) and is hashed to generate an n-th identification code for uniquely identifying the user and the n-th card at the same time.

The identification code deciding unit 130 may perform a predetermined key exchange procedure with the settlement management server 150 to determine a key value, The key value agreed with the settlement operation server 150 may be determined as an n-th identification code that uniquely identifies the user and the n-th card at the same time.

According to the sixth card issuer side identification code checking embodiment of the present invention, the n-th identification code may be determined through the payment operation server 150, and the identification code determination unit 130 may determine N) of the user and the n < th > card at the same time. On the other hand, when the n-th card identification information is received via the payment operation server 150, the n-th identification code is transmitted from the payment operation server 150 together with the n-th card identification information Lt; / RTI >

If an n-th identification code for uniquely identifying the user and the n-th card at the same time is confirmed through at least one or a combination of two or more of the first to sixth card issuer side identification code verification examples, ) Maps the n-th card identification information authenticated through the identification information authenticating unit 126 and the n-th identification code confirmed through the identification code deciding unit 130 to the card issuing D / B ( 118).

Referring to FIG. 1, the card management server 110 includes an information providing unit 138 for providing an n-th identification code confirmed by the identification code deciding unit 130 to the payment managing server 150 And the information providing unit 138 may provide the personal information of the user to the payment operation server 150 according to the method.

When the n-th identification code for uniquely identifying the user having the n-th card and the n-th card held by the user at the same time is identified through the identification code determination unit 130, And provides the payment control server 150 with the n-th identification code. If the n-th identification code is confirmed through the fifth or sixth card issuer side identification code verification example, the payment operation server 150 transmits the n-th identification code through the identification code determination unit 130 The information providing unit 138 may not separately provide the n-th identification code to the payment operation server 150 since the n-th identification code will be recognized before or during the verification of the code.

Meanwhile, when the personal information of the user is received through the personal information receiving embodiment of the first or third card issuer of the present invention, the information providing unit 138 transmits the personal information of the user to the payment operation server 150 Can be provided. However, when the personal information of the user is received through the embodiment of receiving personal information from the second card issuer, the payment operation server 150 may be aware of the personal information of the user, May not provide the user's personal information to the payment operation server 150. [

1, the payment management server 150 receives personal information of a user who holds an n (1? N? N) card among N (N? 2) cards provided by a card issuing company And an information confirmation unit 154. The personal information authentication unit 158 may authenticate the user's personal information.

According to the embodiment of the present invention, the user terminal 100 can communicate with the card management server 110 of the card issuer, and the user terminal 100 can communicate with the card management server 110 And may transmit the personal information of the user to the server 110. In this case, the information checking unit 154 may receive the personal information of the user transmitted from the terminal 100 of the user from the card management server 110.

According to the embodiment of receiving personal information of the second settlement operator of the present invention, the information checking unit 154 may communicate with the terminal 100 of the user and receive personal information of the user from the terminal 100 of the user . If the personal information of the user is used to generate the n-th identification code in the card management server 110 and to generate the n-th identification code according to the embodiment, the information verification unit 154 may identify the user The personal information of the user received from the terminal 100 can be provided to the card management server 110 of the card issuing company.

According to an embodiment of the present invention, the user terminal 100 may be a terminal of the settlement operator. In this case, the information checking unit 154 may be configured to receive, via the server of the settlement operator, And may receive the personal information of the user. If the personal information of the user is used to generate the n-th identification code in the card management server 110 and generate the n-th identification code according to the embodiment, Personal information of the user received from the terminal of the card issuing company to the card issuing company's card management server 110.

According to the embodiment of the personal information receiving method of the fourth payment operator of the present invention, the terminal 100 of the user may be the terminal of the communication company or may communicate with the server of the communication company. In this case, Can receive the personal information of the user from the terminal of the communication company (or the server of the communication company). If the personal information of the user is used to generate the n-th identification code in the card management server 110 and generate the n-th identification code according to the embodiment, Personal information of the user received from the terminal of the card issuing company to the card issuing company's card management server 110.

The personal information authentication unit 158 authenticates whether the personal information received through the information verification unit 154 is valid personal information of the actual user. For example, the personal information authentication unit 158 may provide the personal information to a designated real name authentication server (not shown) so that the personal information can be authenticated by requesting authentication as effective personal information of an actual user.

According to another embodiment of the present invention, the settlement management server 150 can communicate with the terminal 100 of the user. In this case, the information checking unit 154 receives the N N < th > card identification information for the n < th > card held by the user. When the n-th card identification information is received from the terminal 100 of the user, the information checking unit 154 sends the n-th card identification information received from the user terminal 100 to the card issuing company's card management server (110). According to an embodiment of the present invention, the information verifying unit 154 may receive the n-th card identification information from at least one of the terminal of the payment operator, the terminal of the communication company, and the server of the communication company, To the card management server 110 of the card issuer. That is, the n-th card identification information may be registered by a user who has received (or purchased) the n-th card, or a payment operator or a communication company that provides (or sells) the n-th card to the user .

1, the billing administration server 150 includes a subscriber authentication unit 170 for checking whether a user corresponding to the personal information is a subscriber of a communication company through a designated communication company server 185, The personal authentication unit 158 may be included in the subscriber authentication unit 170 according to an embodiment of the present invention.

The subscriber authenticating unit 170 provides personal information of the user (e.g., a user's name, a resident registration number (or part of a resident number), a date of birth, a mobile phone number, etc.) to the designated communication company server 185, A user corresponding to the personal information may be requested to authenticate the subscriber of the communication company through the communication server 185 and receive a result of the authentication from the communication company server 185 that the user is a subscriber of the communication company.

The personal authentication procedure unit 166 transmits a personal authentication message (e.g., an SMS including an authentication number, a push message, etc.) to a user's wireless terminal corresponding to the mobile phone number included in the personal information through a designated message server ), Receives the authentication number included in the user authentication message through the user terminal 100, and receives and authenticates the authentication number, thereby performing the user authentication of the user corresponding to the personal information. Alternatively, the principal authentication processing unit 166 may perform a ARS authentication by connecting a telephone call to a user's wireless terminal corresponding to the mobile phone number included in the personal information through a designated communication server (not shown) Authentication of the corresponding user can be performed. Meanwhile, in the case where the user authentication is performed for the user, the authentication method is not limited to the above example, and a method of performing authentication using the personal information of the user (for example, a method of providing an OTP generator Token), the authentication of a person using a public certificate, etc.), it is clear that any method belongs to the present invention.

Referring to FIG. 1, the billing operation server 150 receives an identification code for identifying an n-th identification code generated for simultaneously identifying a user having the n-th card and an n-th card held by the user at the same time An identification code registration unit 174 for mapping the identified n-th identification code and the personal information of the user and storing the mapped personal identification information in the payment operation DB 178 of the payment operator, And a registration result responding section 182 for responding to the registration result in which the personal information of the user is mapped and stored.

When the user corresponding to the personal information is identified as a subscriber of the communication company, the identification code identifying unit 162 identifies the user who has the n-th card and the n-th card held by the user, n Identification code can be confirmed.

According to an embodiment of the present invention, the identification code identifying unit 162 generates a non-duplicated code value according to a designated code generation algorithm to identify the user and the n-th card simultaneously It can be determined by the n-th identification code.

According to an embodiment of the present invention, when the n-th card identification information is confirmed through the information checking unit 154, the identification code verifying unit 162 identifies the n-th card identification information N < / RTI > identification code that uniquely identifies the user and the n-th card at the same time. For example, the identification code checking unit 162 may include the n-th card identification information (or a part of the n-th card identification information) as one of the factors to be substituted into the specified hash algorithm, Quot; n "

According to an embodiment of the present invention, the identification code identifying unit 162 identifies the user and the n-th card using the personal information of the user identified through the information checking unit 154 At the same time, a n-th identification code for unique identification can be generated. For example, the identification code checking unit 162 may include the user's personal information (or a part of personal information) as one of the factors to be assigned to the designated hash algorithm, Lt; RTI ID = 0.0 > n < / RTI >

According to an embodiment of the present invention, the identification code identifying unit 162 identifies the user and the n-th card simultaneously by using the n-th card identification information and the user's personal information, Lt; RTI ID = 0.0 > n < / RTI > For example, the identification code checking unit 162 may include the n-th card identification information (or a part of the n-th card identification information) as one of the factors to be substituted into the designated hash algorithm, An is included in the user's personal information (or a part of the personal information) and is hashed to generate an n-th identification code for uniquely identifying the user and the n-th card at the same time.

According to an embodiment of the present invention, the identification code checking unit 162 performs key exchange procedures with the card management server 110 to determine a predetermined key value, The key value agreed with the management server 110 may be determined as an n-th identification code for uniquely identifying the user and the n-th card at the same time.

According to an embodiment of the sixth aspect of the present invention, the n-th identification code may be determined through the card management server 110, N) < / RTI > identification code that uniquely identifies the user and the n-th card at the same time.

If an n-th identification code for uniquely identifying the user and the n-th card at the same time is confirmed through at least one or a combination of two or more of the first to sixth payment operator's identification code verification examples, the identification code registration unit 174 And maps the personal information of the user to the n-th identification code confirmed by the identification code checker 162 and stores the mapped personal information in the payment operation D / B 178 of the payment operator.

If the personal information of the user and the n-th identification code are mapped in the payment administration D / B 178 of the payment operator, the registration result response unit 182 maps and stores the personal information of the user and the n-th identification code Generate a registration result and respond. Preferably, the registration result responding unit 182 may reply the registration result to the card management server 110. Meanwhile, when the personal information and / or the n-th card identification information of the user is received from the user terminal 100, the registration result responding unit 182 may reply the registration result to the user terminal 100 have.

Referring to FIG. 1, the card management server 110 maps the personal information of the user and the n-th identification code to the payment operation D / B 178 of the payment operator from the payment operation server 150 A registration result confirming unit 142 for receiving the registration result and confirming the registration result in which the n-th card identification information and the n-th identification code are mapped and stored in the card management D / B 118 of the card issuing company, The registration result obtained by mapping the user's personal information and the n-th identification code in the payment administration D / B 178 of the payment operator and the n-th card identification information and the n-th card identification information in the card issuing D / And a registration result providing unit (146) for providing the user's terminal (100) with a registration result obtained by combining registration results obtained by mapping and storing the n-th identification code.

When the payment operation server 150 transmits a registration result mapping the personal information of the user and the n-th identification code to the settlement administration D / B 178 of the settlement operator, the registration result confirmation unit 142 And receives a registration result in which the personal information of the user and the n-th identification code are mapped and stored in the payment administration D / B 178 of the payment operator from the payment operation server 150. Also, the registration result confirmation unit 142 registers the n-th card identification information and the n-th identification code in the card management D / B 118 of the card issuer through the identification code storage unit 134 Check the results.

The registration result providing unit 146 maps the registration result obtained by mapping the user's personal information and the n-th identification code to the payment administration D / B 178 of the payment operator and the card management D / B 118 And a registration result obtained by mapping the n-th card identification information and the n-th identification code to a terminal of the user, and transmits the generated registration result to the user terminal 100 ).

If the n-th card is requested to be read through the payment terminal 600 of the offline merchant, or payment is requested using the n-th card through the online store, the card management server 110 ), The payment operator accesses the service provider server 185 through the personal information of the user mapped with the n-th identification code, A payment check limit inquiry is requested, and a payment approval process using the n-th card is performed.

2 is a diagram illustrating a process of registering a payment means for a communication fee based payment using a card according to an embodiment of the present invention.

2 illustrates an example in which a terminal 100 of a user communicates with a card management server 110 of a card issuer in a payment operation D / B 178 of a payment operator cooperating with the card management server 110 The user's personal information and the n-th identification code are mapped and stored. If the person skilled in the art is familiar with the present invention, referring to and / or modifying FIG. 2, It is to be understood that the present invention may be practiced otherwise than as specifically described herein, but it is to be understood that the present invention is not limited to the embodiment (s) Technical features are not limited.

Referring to FIG. 2, the card management server 110 of the card issuer stores (200) card identification information for identifying N cards provided by the card issuer. The user terminal 100 receives (n) the n-th card identification information for the n-th card held by the user by receiving (or purchasing) the designated one of the N cards through the designated path, The card management server 110 receives personal information of a user 210 and transmits it to the card management server 110. The card management server 110 receives n-th card identification information and user's personal information from the user terminal 100 (215). In the embodiment of FIG. 2, the n-th card identification information and the user's personal information are transmitted together. However, the present invention is not limited thereto, and the n-th card identification information and the user's personal information may be designated And can be sequentially transmitted in order.

The card management server 110 reads the n-th card identification information through the card identification information for the N cards provided by the card issuer, and transmits the n-th card corresponding to the received n-th card identification information to the card It is confirmed whether the card is provided by the issuer (220). If the n-th card is not a card provided by a card issuer, the card management server 110 provides error information about the n-th card to the user terminal 100, Receives the error information of the n-th card and outputs the error information (225).

On the other hand, if the n-th card is a card provided by the card issuer, the card management server 110 may use at least one of the first to sixth card issuer side identification code verification methods according to the present invention, And identifies the user having the n-th card and the n-th identification code for uniquely identifying the n-th card held by the user (230).

If the n-th identification code for identifying the user and the n-th card at the same time is confirmed, the card management server 110 provides the n-th identification code and the personal information of the user to the payment operation server 150, The operation server 150 receives the n-th identification code and the user's personal information (235).

The payment administration server 150 requests the designated communication company server 185 to authenticate that the user corresponding to the received personal information is a subscriber of the communication company. After receiving the personal information of the user (240 ), And confirms whether the user corresponding to the personal information is a subscriber of the communication company (245). If the user corresponding to the personal information is not a subscriber of the communication company, the communication company server 185 responds to the authentication result including the subscriber authentication error (250b). If the user corresponding to the personal information If the subscriber is a subscriber, the subscriber of the communication company authenticates the user corresponding to the personal information (250a).

The settlement operation server 150 receives the generated authentication result by performing a procedure of authenticating the user corresponding to the personal information to the subscriber of the communication company from the communication company server 185 (255). If the user is not authenticated as a subscriber of the communication company, the payment operation server 150 provides a user authentication error 260, and the user authentication error is provided to the user terminal 100 through the designated path.

Meanwhile, if the user corresponding to the personal information is authenticated as a subscriber of the communication company, the payment operation server 150 may perform the identity authentication procedure for the user using the personal information of the user (265). If the authentication of the user is not confirmed, the payment operation server 150 provides a user authentication error (260), and the user authentication error is provided to the user terminal 100 through the designated path.

Meanwhile, when the user authentication of the user is confirmed, the payment operation server 150 maps the personal information of the user and the n-th identification code and stores it in the payment operation D / B 178 (270) And the card management server 110 maps the personal information of the user and the n-th identification code to the payment administration D / B 178 of the payment operator, The registered registration result is received (275).

FIG. 3 is a diagram illustrating a process of registering a payment means for a communication fee-based payment using a card according to an embodiment of the present invention.

3 shows a case where the user terminal 100 communicates with the card issuing server 110 of the card issuing company in the card issuing company's card management D / If the person skilled in the art is familiar with the process of mapping and storing code, it is possible to refer and / or modify Figure 3 to find various implementations of the registration process (e.g., The present invention is not limited to the above-described embodiments, but may be modified in various ways. For example, as shown in FIG.

Referring to FIG. 3, the card management server 110 of the card issuer generates an n-th identification code for simultaneously identifying the user and the n-th card through the process shown in FIG. 2, If the user's personal information and the n-th identification code are stored in the memory 178, the n-th card identification information and the n-th identification code are mapped and stored in the card management D / B 118 (300). The card management server 110 confirms the registration result of mapping the n-th card identification information and the n-th identification code and stores the registration result in the payment operation D / B 178 of the payment operator, And a registration result in which the n-th identification code is mapped and stored, and a registration result in which the n-th card identification information and the n-th identification code are mapped and stored in the card issuing D / B 118 of the card issuer The user's terminal 100 receives the registration result and outputs the registration result to the user terminal 100. The user terminal 100 provides the registration result to the terminal 100 of the user. Thereafter, the user can read the n-th card to the payment terminal 600 of the offline merchant and request payment, or use it for online payment.

4 is a diagram illustrating a process of registering a payment means for a communication fee based payment using a card according to another embodiment of the present invention.

In more detail, FIG. 4 is a block diagram illustrating an example of a case where a user's terminal 100 communicates with a payment management server 150, and a card management D / B 118 of a card issuer, And a process of mapping and storing the identification information and the n-th identification code. Those skilled in the art will be able to refer to and / or modify the FIG. 4, (For example, an operation method in which some steps are omitted or a sequence is changed). However, the present invention includes all of the above-described embodiments, and the technical features Is not limited.

Referring to FIG. 4, the card management server 110 of the card issuer stores (400) card identification information for identifying N cards provided by the card issuer. The user terminal 100 receives (or purchases) the n-th card identification information for the n-th card held by the user through the designated path among the N cards (405) The personal information of one user is received 410 and transmitted to the payment operation server 150. The payment operation server 150 receives n-th card identification information and personal information of the user from the user terminal 100 (415). In the embodiment of FIG. 4, the n-th card identification information and the user's personal information are transmitted together. However, the present invention is not limited thereto. And can be sequentially transmitted in order.

The payment management server 150 provides the n-th card identification information and the user's personal information to the card management server 110. The card management server 110 receives the n-th card identification Information and personal information of the user are received (420).

The card management server 110 reads the n-th card identification information through the card identification information for the N cards provided by the card issuer, and transmits the n-th card corresponding to the received n-th card identification information to the card It is confirmed whether the card is provided by the issuer (425). If the n-th card is not a card provided by a card issuer, the card management server 110 provides error information about the n-th card to the user terminal 100, Receives the error information of the n-th card and outputs the error information (430).

On the other hand, if the n-th card is a card provided by the card issuer, the card management server 110 may use at least one of the first to sixth card issuer side identification code verification methods according to the present invention, And identifies the user who owns the n-th card and identifies the n-th identification code that uniquely identifies the n-th card held by the user (435).

If the n-th identification code identifying the user and the n-th card is confirmed, the card management server 110 maps the n-th card identification information and the identified n-th identification code to the card management D / B 118 of the card issuing company (step 440), and provides a registration result in which the n-th card identification information and the n-th identification code are mapped and stored. (445) a registration result in which the n-th card identification information and the n-th identification code are mapped and stored.

FIG. 5 is a diagram illustrating a process of registering a payment means for a communication fee-based payment using a card according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates mapping and storing of the user's personal information and the n-th identification code to the payment administration D / B 178 of the payment operator when the user terminal 100 communicates with the payment administration server 150 Those skilled in the art will appreciate that various modifications and variations of the method of the present invention will be apparent to those skilled in the art in view of and / However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

5, the payment administration server 150 of the payment operator receives personal information of the user from the terminal 100 of the user through the process shown in FIG. 4 or transmits the card management D / When the n-th card identification information and the n-th identification code are mapped to the communication server server (118), the communication server server (185) requests authentication of the user corresponding to the received personal information as a subscriber of the communication company, After receiving the personal information of the user (500), it confirms whether the user corresponding to the personal information is a subscriber of the communication company (505). If the user corresponding to the personal information is not a subscriber of the communication company, the communication company server 185 responds to the authentication result including the subscriber authentication error (510b). If the user corresponding to the personal information If the subscriber is a subscriber, the subscriber of the communication company responds to the authentication result of the user corresponding to the personal information (510a).

The settlement operation server 150 receives the generated authentication result by performing a procedure of authenticating a user corresponding to the personal information as a subscriber of the communication company from the communication company server 185 (515). If the user is not authenticated as a subscriber of the communication company, the payment operation server 150 provides a user authentication error (520), and the user authentication error is provided to the user terminal 100 through the designated path.

Meanwhile, if the user corresponding to the personal information is authenticated as a subscriber of the communication company, the payment operation server 150 may perform the personal authentication procedure for the user using the personal information of the user (525). If the authentication of the user is not confirmed, the payment operation server 150 provides a user authentication error (520), and the user authentication error is provided to the user terminal 100 through the designated path.

Meanwhile, when the user authentication is confirmed for the user, the payment operation server 150 maps the personal information of the user and the n-th ID code and stores it in the payment operation D / B 178 (535). If the n-th identification code is not confirmed, the payment operation server 150 transmits the n-th identification code through at least one or two or more combinations of the first to sixth payment operator's identification code checking embodiments according to the present invention. (530), and maps the personal information of the user to the n-th identification code to identify the user who owns the payment operation D / B < / RTI > 178 (535).

The payment operation server 150 checks the registration result of mapping the personal information of the user and the n-th identification code to the payment administration D / B 178 (540), and transmits the registration result to the payment administration D / B 178 The n-th card identification information and the n-th card identification information are stored in the card issuing D / B 118 of the card issuer through the registration result mapping the personal information of the user and the n-th identification code, The registration result obtained by combining the registration result of code mapping is confirmed 545 and provided to the terminal 100 of the user 550. The terminal 100 of the user receives and outputs the registration result 555 ). Thereafter, the user can read the n-th card to the payment terminal 600 of the offline merchant and request payment, or use it for online payment.

6 is a diagram showing a configuration of a system for processing a payment using a card provided by a card issuer according to an embodiment of the present invention.

More specifically, FIG. 6 shows a case where, when N (1? N? N) cards held by a user among N (N? 2) cards provided by a card issuer are registered as identification media for communication fee- And a system for processing a communication fee-based payment by confirming a requested payment using an n-th card. Those skilled in the art will be able to refer to FIG. 6 and / or FIG. It will be appreciated that variations may be made to various implementations of the configuration of the system (e.g., some configuration portions omitted, or subdivided, or combined implementations), but the present invention includes all such contemplated implementations , The technical characteristics thereof are not limited only by the method shown in FIG.

A system according to an embodiment of the present invention includes a settlement terminal 600 for requesting settlement without sending and receiving personal information of a user using an n-th card held by a user out of N cards provided by a card issuer, The payment terminal 600 is provided in a card issuing company that provides the card, and when the payment request is made using the n-th card, the n-th identification code mapped to the card issuing D / B 118 of the card issuing company is checked and designated A card management server 110 for requesting approval of the payment to the payment operation server 150 of the payment operator and a payment operator for performing a series of procedures for communication fee based payment in cooperation with the designated communication company server 185 The payment issuer of the card issuing company performs the approval procedure of payment requested from the card issuer upon request of payment using the n-th identification code from the card management server 110 of the card issuer Comprises a (150).

The payment terminal 600 is a general term of a terminal requesting payment using N cards provided by a card issuer. The payment terminal 600 is preferably a POS (Point of Sales) terminal or a CAT (Credit Authorization Terminal) And a card payment terminal. The card settlement terminal can request settlement to the card issuer via the offline settlement route including the VAN. According to another embodiment of the present invention, the payment terminal 600 may be a wired terminal (e.g., a personal computer of a user) used by a user or a wireless terminal (e.g., a user's mobile phone, a smart phone, PC, etc.). ≪ / RTI > In this case, the user terminal may request payment to the card issuer via at least one of a web server, a mobile server, and a payment gateway (PG) according to the designated online / mobile settlement route.

The card management server 110 checks the n-th identification code mapped to the card management D / B 118 of the card issuer at the payment request using the n-th card in the payment terminal 600, The payment server 150 may receive a payment request message from the payment terminal 600 through a designated payment path. The card issuer may include an organization or an enterprise that is read through a reader provided in the payment terminal 600 of an offline merchant and issues a card that can be requested to be paid through a designated payment path (for example, a VAN). For example, the card issuer may include at least one of a credit card, a credit card company issuing a check card, a bank issuing a check card, a debit card, a cash card, and a prepaid card company issuing various prepaid cards.

The payment operation server 150 is a generic name of a server for performing a payment approval process requested from the card issuer in response to a payment approval request using the n-th identification code from the card management server 110 of the card issuer , One side of the settlement administration server 150 may interlock with the card issuing company's card management server 110 and the other side may interwork with a communication company server 185 that charges a communication fee to the user.

Referring to FIG. 6, the card management server 110 includes a payment request receiving unit 605 for receiving a payment request message including card information transmitted through the payment terminal 600 through a designated payment path for a payment request, A card information reader 610 for confirming whether the card information included in the payment request telegram using the card identification information is card information corresponding to the N cards provided by the card issuer, When the card information is card information corresponding to the N cards provided by the card issuer, the card management D / B 118 is inquired through the card information, and the pre-registered n < th > The card management D / B 118, the card management D / B 118, and the card management D / B 118. When the card information of the payment request telegram matches the previously registered n-th card identification information, An identification code identifying unit 620 for identifying an n-th identification code previously registered for uniquely identifying the first and second n-th cards, and a payment amount of the payment request, merchant information, and the identified n-th identification code And a payment approval requesting unit 630 for providing the generated approval request message to the payment operation server 150 of the designated payment operator and requesting approval of the approval request message.

When the payment terminal 600 generates a payment request message including the card information corresponding to the card provided by the card issuer for the payment request and transmits the payment request message through the designated payment path, And receives the payment request telegram via the Internet. The payment request telegram may be received via the VAN from the payment terminal 600 of the offline merchant. Alternatively, the payment request telegram may be received via at least one of a web server, a mobile server, and a PG that communicate with a using terminal.

According to an embodiment of the present invention, the payment request telegram may include card information (e.g., card number, etc.) corresponding to the card held by the user, payment amount for requesting payment, and merchant information for identifying the merchant have.

According to the embodiment of the present invention, when the payment request telegram is received, the payment request receiving unit 605 reads the payment request telegram and confirms whether the payment request is a payment request telegram for requesting payment processing of a specified payment method. The specific payment method includes a payment method for performing settlement processing using personal information of a user without receiving the user's personal information from the payment terminal 600. Preferably, the payment method includes receiving personal information of the user from the payment terminal 600 A payment method for processing a payment based on a communication fee using the user's personal information. According to the method, the payment request telegram may include a flag (or an identification value) for requesting payment of the specific payment method. On the other hand, if the card information included in the payment request telegram is a card provided for the specific payment method, the flag (or identification value) of the payment request telegram may be omitted.

When the payment request telegram is received, the card information reading unit 610 reads card information included in the payment request text using the card identification information for the N cards managed through the card management server 110, It is confirmed whether the card information corresponds to the N cards provided by the card issuer.

The card information reading unit 610 reads out the card information included in the payment request telegram through the card identification information and transmits the card information to the card issuer through the N number of Make sure it is one of the cards. For example, when the card identification information includes an identification number for identifying the N cards and a verification rule, and the card information includes the card number, the card information reading unit 610 corresponds to the card information Authenticating whether the card number included in the payment request message includes the identification number and conforms to the numbering scheme conforming to the verification rule, so as to confirm whether the card information included in the payment request message is card information corresponding to the N cards provided by the card issuer have. Or when the card identification information includes the card number for the N cards and the card information is one of the N card numbers, the card information reading unit 610 reads the N card numbers To check whether the card information included in the payment request telegram is the card information corresponding to the N cards provided by the card issuer.

If the card information of the payment request specialist is confirmed by one of the N cards provided by the card issuer through the card information reading unit 610, the identification information verifying unit 615 identifies the card information And inquires the card management D / B 118 to check whether the card information of the payment request specialization matches the n-card identification information registered for payment processing of the specified payment method.

If the card information of the payment request telegram is matched with the n-th card identification information previously registered, the identification code discrimination unit 620 identifies from the card management D / B 118, using the n-th card identification information, And the n-th card are uniquely identified at the same time.

When the n-th identification code matched with the card information of the payment request telegram is identified, the approval request generation unit 625 includes the payment amount of the payment request telegram and merchant information including the confirmed n-th identification code To generate an authorization request message. The approval request telegram includes a specialized structure agreed between the card management server 110 and the payment operation server 150, and may include a special structure for requesting a communication fee based payment.

The payment approval request unit 630 provides the generated approval request message to the payment operation server 150 of the designated payment operator and the payment operation server 150 transmits the payment information and the merchant information And receives an authorization request message containing the authorization request message.

6, the payment operation server 150 includes an approval request receiver 645 for receiving an approval request message including the n-th identification code, payment amount, and merchant information from the card management server 110 of the card issuer, And an identification code matching unit 650 for inquiring the settlement administration D / B 178 and checking whether the n-th identification code of the approval request telegram matches the previously registered identification code for payment processing of the specific payment method (178), if the n-th identification code of the approval request telegram is an identification code previously registered for payment processing of the specific payment method, An authentication processing unit 655 for providing personal information of a user mapped with the n-th identification code to a communication company server 185 provided in a designated communication company, (660) When the user is authenticated as a subscriber of the communication company, the correspondence to the personal information is provided to the communication company server 185 by requesting the approval of the limit or the limit provided by the communication company server 185 An approval result processing unit 665 for comparing the payment amount and determining a limit approval, an approval result generating unit 670 for generating an approval result telegram including the approval result of the subscriber authentication and the limit approval, and an approval result providing unit 675 for providing the approval result message to the card management server 110 of the card issuer providing the n cards.

The card management server 110 of the card issuer providing the N cards designates the specific payment method based on the payment request telegram received from the payment terminal 600 and transmits the payment amount and payment amount The approval request receiving unit 645 generates an approval request message including the n-th identification code, the payment amount, and the merchant information from the card management server 110 of the card issuer .

When the approval request message including the n-th identification code is received, the identification code matching unit 650 inquires the payment operation D / B 178 via the n-th identification code of the approval request message, And checks whether the specialist n-th identification code matches the identification code previously registered for payment processing of the specific payment method.

If the n-th identification code of the approval request telegram is confirmed by the identification code previously registered for the payment processing of the specific payment method, the personal information verification unit 655 receives from the payment administration D / Check the n-th identification code and the personal information of the mapped registered user. Here, the personal information of the user includes an information set for a communication fee-based settlement.

When the n-th identification code and the personal information of the user registered and mapped are confirmed, the authentication processing unit 660 transmits the personal information of the registered user mapped to the n-th identification code to the designated communication company server 185 (Or a part of the resident number), a date of birth, a mobile phone number, etc.) to request authentication of the user corresponding to the personal information through the communication company server 185 as a subscriber of the communication company, From the server 185, a result of authenticating that the user is a subscriber of the communication company.

According to an embodiment of the present invention, the authentication processing unit 660 transmits a personal authentication message (e.g., an authentication number) to a user's wireless terminal corresponding to a mobile phone number included in the personal information through a designated message server (not shown) And transmits the authentication number included in the user authentication message through the user terminal 100 to authenticate and authenticate the user corresponding to the personal information by performing authentication can do. Alternatively, the authentication processing unit 660 may connect the telephone call to the user's wireless terminal corresponding to the mobile phone number included in the personal information through the designated communication server (not shown) to perform the ARS authentication, Authentication of the corresponding user can be performed. Meanwhile, in the case where the user authentication is performed for the user, the authentication method is not limited to the above example, and a method of performing authentication using the personal information of the user (for example, a method of providing an OTP generator Token), the authentication of a person using a public certificate, etc.), it is clear that any method belongs to the present invention.

According to the first limit approval embodiment of the present invention, the limit approval processing unit 665 provides the payment amount of the approval request telegram to the communication company server 185 that has authenticated the user corresponding to the personal information as a subscriber, And may receive the limit approval result from the communication company server 185 for the limit approval.

According to the second limit approval embodiment of the present invention, when the user corresponding to the personal information is authenticated by the subscriber in the subscriber authentication process through the authentication processing procedure unit 660, In this case, the limit approval processing unit 665 compares the limit amount provided from the communication company server 185 with the settlement amount of the approval request specialization, and performs a procedure for approving the limit of the communication fee-based settlement .

The approval result generating unit 670 generates an approval result including an approval result of performing a payment approval procedure for the approval request telegram by ANDing the result of the communication company subscriber authentication using the personal information of the user and the result of the limit acceptance And the approval result providing unit 675 provides the approval result message to the card management server 110 of the card issuer who provided the n-th card to the user.

Meanwhile, when the user authentication process for the user is performed through the authentication process procedure unit 660, the approval result generation unit 670 generates a result of the subscriber authentication, the result of the limit approval, And the approval result obtained by performing the payment approval procedure for the approval request telegram may be generated by ANDing the approval request result, and the approval result provider 675 may issue a card that provides the n-th card to the user It is possible to provide the approval result message to the card management server 110 of the company.

Referring to FIG. 6, the card management server 110 includes an approval result confirmation unit 635 for receiving the approval result of the approval approval procedure for the approval request telegram from the payment operation server 150, And a settlement result providing unit 640 for generating a settlement result telegram corresponding to the settlement request telegram received from the settlement terminal 600 on the basis of the result telegram and providing the settlement result telegram to the settlement terminal 600 through a designated settlement path .

The settlement operation server 150 performs an approval procedure for the communication fee based settlement using the personal information of the user registered and mapped with the n-th identification code, thereby at least combining the result of the subscriber authentication of the carrier with the result of the limit approval The approval result confirmation unit 635 receives the approval result of the payment approval procedure from the payment operation server 150. [

The settlement result providing unit 640 receives the settlement result from the settlement terminal 600 in response to the settlement result message received from the settlement terminal 600 based on the approval result, And provides the generated payment result message to the payment terminal 600 through the payment path between the card issuer and the payment terminal 600. [ The payment terminal 600 receives and outputs the payment result message through the designated payment path.

7 is a diagram illustrating a process of processing a payment using a card provided by a card issuer according to an embodiment of the present invention.

7 is a flowchart illustrating a process of mapping a payment request to a card management server 110 of a card issuer through a process shown in FIGS. 2 to 5 when a payment request is made using a card provided by a card issuer in a payment terminal 600 The process of processing the communication fee based payment using the registered n-th card identification information and the n-th identification code and the personal information of the user registered in the payment administration D / B 178 of the payment operator and registered with the n-th identification code Those skilled in the art will be able to refer to and / or modify FIG. 7 to illustrate the various ways of performing the payment process (e.g., some steps may be omitted, However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are limited only by the method shown in FIG. 7 Should you.

Referring to FIG. 7, the payment terminal 600 is provided from a card issuer, and when payment is requested using card information corresponding to a card held by the user (700), the payment terminal 600 displays the card information corresponding to the card held by the user (705), and transmits the payment request through the designated payment path. The card management server 110 of the card issuer receives the payment request telegram via the designated payment path ( 710).

The card management server 110 uses the card identification information for the N cards stored and managed through the process shown in FIG. 2 or FIG. 4 to determine whether the card information included in the payment request telegram It is checked whether the card information corresponds to the N cards (715). If the card information of the payment request telegram does not correspond to the N cards provided by the card issuing company, the card management server 110 generates a payment result telegram including a payment error and provides the payment result telegram through a designated payment path The settlement terminal 600 receives and outputs the settlement result message including the settlement error through the designated settlement route (step 720).

On the other hand, if the card information of the payment request specialist corresponds to the N cards provided by the card issuer, the card management server 110 inquires the card management D / B 118 through the card information of the payment request telegram And checks whether it matches the n-th card identification information previously registered for payment processing of the specified payment method (725).

If the card information does not match the n-th card identification information previously registered for payment processing of a specific payment method, the card management server 110 generates a payment result telegram including a payment error, And the payment terminal 600 receives and outputs the payment result message including the payment error through the designated payment path in operation 720.

On the other hand, if the card information matches the n-th card identification information previously registered for payment processing of a specific payment method, the card management server 110 reads the matched n-th card identification (730), generates an approval request message including the verified n-th identification code (735), and transmits the approval request message to the payment operation server (150). The payment operation server (150) receives an approval request message including the n-th identification code from the card management server (110) of the card issuer (740).

Upon receipt of the approval request message, the payment management server 150 inquires the payment administration D / B 178 to determine whether the n-th identification code of the approval request message is a pre-registered identification (745). ≪ / RTI > If the n-th identification code of the approval request telegram does not match the previously registered identification code for payment processing of a specific payment method, the payment operation server 150 generates an approval result telegram including a payment error, (750), and the card management server 110 generates a settlement result telegram including a settlement error of the approval result telegram, and transmits the payment result telegram to the payment terminal 600 through a designated payment path (755), the settlement terminal (600) receives the settlement result including the settlement error through the designated settlement route and outputs the settlement result message (720).

If the n-th identification code of the approval request message is matched with the previously registered identification code for the payment processing of the specific payment method, the payment operation server 150 receives the n-th identification Code and Mapping The personal information of the registered user is checked (760). According to the method of the present invention, when performing the identity authentication procedure for the user, the identity authentication procedure may be provided according to the intention of a person skilled in the art any time after the personal information of the user is confirmed.

The settlement operation server 150 requests the designated communication company server 185 to authenticate that the user corresponding to the confirmed personal information is a subscriber of the communication company. The communication company server 185 receives the personal information of the user 765) and confirms whether the user corresponding to the personal information is a subscriber of the communication company (770). If the user corresponding to the personal information is not a subscriber of the communication company, the communication company server 185 responds to the authentication result including the subscriber authentication error (775b). If the user corresponding to the personal information If the subscriber is a subscriber, the subscriber of the communication company authenticates the user corresponding to the personal information (775a).

The settlement operation server 150 receives the generated authentication result by performing a procedure of authenticating a user corresponding to the personal information with the subscriber of the communication company from the communication company server 185 (780). If the user corresponding to the personal information is not authenticated as a subscriber of the communication company, the payment operation server 150 generates an approval result telegram including a payment error and provides the approval result telegram to the card management server 110 of the card issuer (750), the card management server 110 generates a settlement result telegram including the settlement error related to the approval result and provides the settlement result telegram to the settlement terminal 600 through the designated settlement route (755) 600 receives the settlement result message including the settlement error through the designated settlement route and outputs the received settlement result message (720). On the other hand, when the user corresponding to the personal information is authenticated as a subscriber of the communication company, the communication fee-based limit approval or the user's identity authentication procedure can be performed according to the process shown in FIG.

8 is a diagram illustrating a process of processing a payment using a card provided by a card issuer according to an embodiment of the present invention.

FIG. 8 shows a process of processing a communication fee-based settlement by performing a communication fee-based limit approval or a user's identity authentication process when the user is authenticated as a subscriber of a communication company through the process shown in FIG. 7 Those skilled in the art will appreciate that various modifications and variations of the method of the present invention may be made with reference to and / or modified with reference to FIG. 8 (for example, However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 8, when personal information of a user is confirmed through the process shown in FIG. 7, or when a user is authenticated as a subscriber of a communication company, the payment management server 150 uses the personal information of the user The user authentication procedure for the user may be performed (800). If the authentication of the user is not confirmed, the payment operation server 150 generates an approval result message including a payment error and provides it to the card issuing company's card management server 110 (805) The server 110 generates a settlement result telegram including the settlement error of the approval result, and provides the settlement result telegram to the settlement terminal 600 through the designated settlement route (810). The settlement terminal (600) And receives and outputs the payment result message including the payment error (815).

If the authentication of the user is confirmed, the payment operation server 150 performs a procedure for approving the limit of the communication fee-based settlement of the authenticated subscriber in operation 820. According to an embodiment of the present invention, the payment operation server 150 provides the payment amount of the approval request telegram to the communication company server 185 that has authenticated the user corresponding to the personal information as a subscriber, And may receive the limit approval result from the communication company server 185 for the limit approval. According to the second limit approval embodiment of the present invention, when the user corresponding to the personal information is authenticated as a subscriber in the subscriber authentication process shown in FIG. 7, the subscriber's limit amount is received from the communication company server 185 In this case, the settlement operation server 150 may perform a procedure of approving the limit of the communication fee-based settlement by comparing the settlement amount provided from the communication company server 185 with the settlement amount of the approval request specialization.

If the limit of the communication fee based settlement of the authenticated subscriber is not approved, the payment operation server 150 generates an approval result telegram including a payment error and provides the approval result telegram to the card issuing company's card management server 110 805), the card management server 110 generates a settlement result telegram including a settlement error related to the approval result, and provides the settlement result telegram to the settlement terminal 600 through a designated settlement route (810) (815) receives and outputs the payment result message including the payment error through the designated payment path.

Meanwhile, if the limit of the communication fee-based settlement of the authenticated subscriber is approved, the settlement operation server 150 ANDs the result of the carrier subscriber authentication using the personal information of the user and the result of the limit approval, (825). ≪ / RTI > On the other hand, when the authentication process for the user is performed, the payment operation server 150 transmits the result of the subscriber authentication using the personal information of the user, the result of the limit authorization and the authentication result of the identity authentication procedure to the AND combination (825) an approval result of performing the payment approval procedure for the approval request telegram.

The payment operation server 150 generates an approval result telegram including the approval result of the payment approval procedure and provides the approval result telegram to the card issuing company's card management server 110 in operation 830, The settlement terminal 600 generates a settlement result telegram including the approval result of the approval result and provides it to the settlement terminal 600 through the designated settlement route 835. The settlement terminal 600 transmits the settlement result including the approval result The payment result telegram is received and output (840).

100: user terminal 110: card management server
114: identification information management unit 118: card management D / B
122: information reception unit 126: identification information authentication unit
130: Identification code determination unit 134: Identification code storage unit
138: Information providing unit 142: Registration result confirmation unit
146: Registration result provider 150: Billing administration server
154: Information verification unit 158: Personal information authentication unit
162: Identification Code Verification Unit 166: Personal Identification Procedure Unit
170: Subscriber authenticating unit 174: Identification code registering unit
178: Payment operation D / B 182: Registration result response unit
185: communication company server 600: payment terminal
605: payment request receiving unit 610: card information reading unit
615: identification information verifying unit 620: identification code judging unit
625: Approval Request Generation Unit 630: Payment Approval Authorization Unit
635: Approval result confirmation unit 640:
645: an approval request receiving unit 650: an identification code matching unit
655: Personal Information Verification Unit 660: Authentication Processing Procedure Unit
665: Limit approval processing unit 670: Authorization result generating unit
675: Approval result

Claims (16)

A method of executing via a card issuing company's card management server,
A first step of managing card identification information for identifying N (N > = 2) bearer cards provided by a card issuer for payment processing of a specified payment method;
A second step of receiving n-th card identification information for an nth (1? N? N) card held by a user among the N anonymous cards via a designated path from a user terminal;
A third step of reading the n-th card identification information through the card identification information and confirming that the n-th card held by the user is a card provided by the card issuing company;
And an n-th identification card for identifying a user having the n-th card and an n-th card held by the user at the same time when the n-th card is an anonymous card provided by the card issuer, Step 4; And
A fifth step of mapping the n-th card identification information and the n-th identification code to the card management D / B of the card issuer;
When the payment request message including the card information transmitted through the payment terminal for the payment request is received through the designated payment path, the card information included in the payment request message using the card identification information is transmitted to the card issuer A sixth step of confirming whether the card information corresponds to N bearer cards;
If the card information of the payment request specialist is card information corresponding to N bearer cards provided by the card issuer, the card management D / B is inquired through the card information, N-th card identification information;
If the card information of the payment request telegram matches the pre-registered n-th card identification information, the pre-registered n-th identification code is checked to uniquely identify the user and the n-th card from the card management D / B Step 8: And
And a ninth step of generating an approval request message including the payment amount of the payment request, the merchant information, and the identified n-th identification code, and providing the authorization request message to a payment operation server of the designated payment operator to request a payment approval procedure ,
Wherein the n-th identification code is mapped with the personal information of the user in a payment operation D / B of a payment operator that processes the requested payment using the n-th card.
2. The method according to claim 1,
Receiving the n-th card identification information by communicating with the terminal of the user, or
And receiving the n-th card identification information via the payment operation server of the payment operator communicating with the terminal of the user.
The method according to claim 1,
And generating an n-th identification code for uniquely identifying the user and the n-th card simultaneously if the n-th card is an anonymous card provided by the card issuing company. How to operate your payment.
The method of claim 3,
Further comprising the step of providing the n-th identification code to the payment operation server of the payment operator when the n-th identification code is generated.
The method according to claim 1,
If the n-th card is an anonymous card provided by the card issuer, generating or receiving an n-th identification code for uniquely identifying the user and the n-th card in cooperation with the payment operation server of the payment operator Wherein the payment card is a credit card.
The method according to claim 1, wherein the n-th identification code comprises:
N-th card identification information, and the n-th card identification information and the user's personal information.
The apparatus according to claim 1,
Card information including a card number of a card number scheme available for payment through a payment terminal of an offline merchant is recorded on a designated medium,
Prepaid cards available for payment without charge,
Credit cards that are available for payment without granting a credit limit,
And at least one card among the account linkage cards available for settlement without interlocking with the settlement account.
The method according to claim 1,
And a payment method for performing settlement processing using personal information of a user without receiving user's personal information from the payment terminal.
The method according to claim 1,
And a payment method for processing a payment based on a communication fee using personal information of the user without receiving the user's personal information from the payment terminal.
The method according to claim 1,
And an approval result including an approval result of performing a payment approval procedure for the payment amount using the personal information of the user mapped to the payment operation DB of the payment operator by being mapped with the n-th identification code from the payment operation server A tenth step of receiving a result message; And
And generating a payment result message corresponding to the payment request telegram based on the approval result telegram and providing the payment result telegram to the payment terminal through a designated payment path. .
A method of executing via a payment operator's payment operations server,
A first step of receiving personal information of a user having an n (1? N? N) card among N (N? 2) anonymous cards provided by a card issuing company;
A second step of confirming whether a user corresponding to the personal information is a subscriber of a communication company through a designated communication company server;
Wherein the controller is further configured to map the personal information of the user with the n-th identification code generated to uniquely identify the user having the n-th card and the n-th card held by the user, In a payment operation D / B of the third step;
The card issuer of the card issuer providing the bearer card designates the specific payment method based on the payment request telegram received from the payment terminal, and transmits an approval request message including the n-th identification code, the payment amount, A fourth step of receiving the approval request message from a card management server of the card issuer providing the bearer card;
A fifth step of inquiring the settlement operation D / B to confirm whether the n-th identification code of the approval request message is matched with an identification code previously registered for payment processing of the specific payment method;
If the n-th identification code of the approval request telegram is an identification code previously registered for payment processing of the specific payment method, the personal information of the user registered and mapped with the n-th identification code is confirmed from the payment administration D / B Step 6;
A seventh step of providing subscriber authentication by providing personal information of a user mapped with the n-th identification code to a communication company server provided in a designated communication company;
When the user is authenticated as a subscriber of the communication company, the correspondence to the personal information is requested by the communication company server by providing the payment amount of the approval request telegram to the communication company server or by comparing the payment amount with the limit provided by the communication company server An eighth step of determining approval of the limit; And
And a ninth step of generating an approval result telegram including the approval result of the subscriber authentication and the limit approval, and providing the user with the approval result telegram to the card issuing company's card issuing company that has provided the n-th card to the user,
Wherein the n-th identification code is mapped to n-th card identification information for the n-th card and stored in the card issuing D / B of the card issuer.
12. The method according to claim 11,
Receiving n-th card identification information for an n-th card held by a user out of the N number of bearer cards from the terminal of the user; And
And providing the received n-th card identification information to the card issuing company's card management server.
12. The method of claim 11,
Further comprising the step of checking an n-th identification code generated so as to uniquely identify the user having the n-th card and the n-th card held by the user at the same time.
14. The method of claim 13,
And generating an n-th identification code for uniquely identifying the user and the n-th card at the same time.
15. The method of claim 14,
Further comprising the step of providing the n-th identification code to the card management server of the card issuer when the n-th identification code is generated.
14. The method of claim 13,
And generating or receiving an n-th identification code for identifying the user and the n-th card at the same time in cooperation with the card management server of the card issuer.

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