KR20160120642A - Method for providing simple settlement service of card company server - Google Patents

Method for providing simple settlement service of card company server Download PDF

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Publication number
KR20160120642A
KR20160120642A KR1020150107185A KR20150107185A KR20160120642A KR 20160120642 A KR20160120642 A KR 20160120642A KR 1020150107185 A KR1020150107185 A KR 1020150107185A KR 20150107185 A KR20150107185 A KR 20150107185A KR 20160120642 A KR20160120642 A KR 20160120642A
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customer
information
payment
shopping mall
identification information
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KR1020150107185A
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Korean (ko)
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김찬우
김재범
최윤석
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롯데카드 주식회사
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

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

Abstract

The present invention relates to a method for providing a simple settlement service of a card company server. According to an embodiment of the present invention, the method for providing a simple settlement service of a card company server comprises the steps of: receiving customer identification information and settlement request information according to an article purchase from a shopping mall server when a customer accesses the shopping mall server and purchases an article by using a customer terminal; authenticating the customer identification information by verifying whether the customer identification information is information stored in a database interworking with the shopping mall server; and performing settlement corresponding to the settlement request information according to the authentication result. According to an embodiment to the present specification, when the customer initially registers payment information in an online shopping mall once, and then, logs in to the an online shopping mall, the customer cam simply perform settlement through a mobile or Internet without an additional process such as a certificate input or a card information input.

Description

[0001] METHOD FOR PROVIDING SIMPLE SETTLEMENT SERVICE OF CARD COMPANY SERVER [0002]

The present invention relates to a method of providing a simple settlement service of a credit card company server.

In recent years, a variety of simple settlement services have received favorable responses from customers, with the focus on the fin-tech ("short for Financial Technology") industry, which combines finance and information technology (IT).

Accordingly, a simple payment system has been actively developed to support the above-mentioned tendency centered on card companies, banks, and service providers providing a simple settlement service.

However, in the conventional simple payment system, the initial service registration process is complicated, and the process of registering the service takes a long time. Also, the problem that payment can be made only at an affiliated merchant affiliated with a credit card company registered as a member, There is a problem with safety.

Korea Patent No. 0617657 Korean Patent No. 1202295 Korean Patent Publication No. 2014-0026186 Japanese Patent Laid-Open No. 2004-258844

In one embodiment of the present invention, when the customer logs in to the shopping mall after registering the payment information for the first time in the online shopping mall, the customer completes payment by one click through the mobile and the Internet The purpose of this service is to provide easy settlement service.

A method of providing a simple settlement service of a card company server according to an embodiment of the present invention is a method for providing a simple settlement service of a card company server by connecting a customer to a shopping mall server using a customer terminal and selecting and purchasing a product, Receiving settlement request information according to the settlement request information; Confirming and authenticating that the customer identification information is information previously registered in a database linked to the shopping mall server; And performing a payment process corresponding to the payment request information according to the authentication result.

According to one embodiment of the present invention, when the customer logs in to the corresponding shopping mall after registering the payment information for the first time in the online shopping mall, the customer can complete payment by one-click via the mobile and the Internet without additional procedures such as a certificate or card information input have.

According to an embodiment of the present invention, when a customer makes a payment to an online shopping mall associated with a card company, the card company can confirm the identification information of the customer who is logged in at the online shopping mall and complete the payment without additional procedure.

According to an embodiment of the present invention, when a customer makes a payment to an online shopping mall that is not affiliated with a card company server, the card company server receives the additional user ID and password and completes the settlement through a simple payment service subscription or authentication.

According to an embodiment of the present invention, the simple payment service member authentication can be performed by confirming whether the terminal information of the customer name corresponding to the customer who is the payer is the same as the terminal information of the customer previously registered in the card company server. Accordingly, it is possible to reduce the inconvenience of inputting the payment information such as the customer information and the credit card number one by one, and it is possible to prevent a security risk that may occur in the process of inputting the payment information one by one.

1 is a flowchart illustrating a method of providing a simple settlement service according to an embodiment of the present invention.
2 is a diagram illustrating a method of providing a simple settlement service in an affiliate shopping mall according to an embodiment of the present invention.
3 is a diagram illustrating a method of providing a simple settlement service in a non-affiliated shopping mall according to the first embodiment of the present invention.
4 is a diagram illustrating a method of providing a simple settlement service in a non-affiliated shopping mall according to a second embodiment of the present invention.
5 is a block diagram of a card issuer server according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

In describing the embodiments, descriptions of techniques which are well known in the technical field to which this specification belongs and which are not directly related to this specification are not described. This is for the sake of clarity without omitting the unnecessary explanation and without giving the gist of the present invention.

For the same reason, some of the components in the drawings are exaggerated, omitted, or schematically illustrated. Also, the size of each component does not entirely reflect the actual size. In the drawings, the same or corresponding components are denoted by the same reference numerals.

1 is a flowchart illustrating a method of providing a simple settlement service according to an embodiment of the present invention.

Referring to FIG. 1, in step 110, a card issuer server can receive a simple settlement service provision request from a customer terminal or a shopping mall server. The customer accesses the shopping mall server using the customer terminal, and can select and purchase an arbitrary commodity from the commodity information provided by the shopping mall server. At this time, the shopping mall server may acquire the customer identification information inputted from the customer terminal according to the customer's shopping mall connection, and may transmit the acquired customer identification information and the payment request information according to the purchase of the customer to the card company server. Here, the customer identification information means login information input from the customer terminal according to the shopping mall connection.

In step 115, the card issuer server confirms whether the customer identification information, which is customer's login information received from the shopping mall server, is the information registered in the database, and performs authentication. Here, when the shopping mall server is a server of a shopping mall affiliated with a card issuer server, the card issuer server stores a key value for member information including a customer ID, a customer number, a membership number, Can be received and stored in the database in advance. If the shopping mall server is a shopping mall server that is not affiliated with the card issuer server, the card issuer server can not store the key value for the member information in advance in the database.

That is, when the card issuer server confirms the customer identification information received from the shopping mall server as information pre-stored in the database in step 115, it is determined that the card issuer server and the shopping mall server are associated with each other, It is determined that the shopping mall server is not affiliated and the process proceeds to step 125. [ A detailed description of the settlement screen according to the method of providing a simple settlement service in the affiliate shopping mall when the card company server and the shopping mall server are associated with each other will be described in detail with reference to FIG.

In step 120, the card issuer server obtains payment information including payment information including shopping mall identification information, payment request amount, payment card information corresponding to the customer identification information, payment information including information of the pre-registered terminal corresponding to the customer identification information, Outputting the details to the customer terminal, and making payment processing by requesting the customer to confirm payment. Here, since the shopping mall server is affiliated with the card issuer server, the card issuer server can receive the customer identification information (login information) from the affiliated shopping mall server by connecting the customer to the shopping mall, The payment history including the payment card information and the information of the previously registered terminal can be retrieved and output to the customer terminal. Thus, when the card company server receives the payment confirmation information of the customer from the customer terminal, the card company server can perform the payment process without the additional authentication process. Through this, the customer can receive a simple payment service that can complete payment by one click through mobile and internet without additional procedures such as authentication certificate or card information input.

In step 125, the card company server determines that the shopping mall server is a server of the shopping mall that is not affiliated with the card company. At this time, when the shopping mall server is the server of the shopping mall where the shopping mall server is not affiliated, the member information corresponding to the customer identification information inputted by the customer connecting to the server of the non-affiliated shopping mall is not shared with the server of the non-affiliated shopping mall , It can not be confirmed whether the customer corresponding to the customer identification information is a member of the simple settlement service subscribed to the simple settlement service. Accordingly, the card company server can request the subscriber of the customer corresponding to the customer identification information to join the simple payment service. To this end, the card issuer server receives the additional ID and password from the customer terminal and receives the additional ID and password through the shopping mall server. Here, the additional ID includes at least part of the date of birth corresponding to the customer identification information (login information) received in the above-described step 110 and the information (cellular phone number) of the previously registered terminal, The password may include a one-time password (OTP) having a predetermined number of digits randomly generated and transmitted to the customer terminal via SMS. In addition, passwords can be provided in other ways. Accordingly, there is an advantage in that when a customer requests a simple settlement service after logging in from a plurality of shopping malls, it is not necessary to individually memorize the additional ID and password.

If the card company server receives the additional ID and password input from the customer terminal in step 125, it inquires in step 130 whether the customer information corresponding to the additional ID exists in the quick payment service member information database. At this time, the card company server can inquire whether the customer information corresponding to the date of birth and the information of the terminal (cell phone number) corresponding to the customer identification information exists in the simple payment service member information database. Here, the simple settlement service member information database is included in the customer information database of the card issuer server, and corresponds to customer information (e.g., member information, date of birth, information of previously registered terminals, etc.) And stores the data to which the identification information indicating whether or not to join the simple settlement service is added.

If the card company server determines in step 130 that the customer information corresponding to the additional ID exists in the simple payment service member information database, the card company server transmits a simple ID corresponding to the additional ID to the customer terminal through the shopping mall server And provide a first interface for billing service subscription. Here, the first interface includes at least a part of a customer's resident registration number and a password of a payment card, an authentication number responding to an authentication request SMS transmission from the customer terminal, or an authentication number responding to a customer authentication request signal using an automatic answering service (ARS) As shown in FIG. A detailed description of the first interface providing method will be described with reference to FIG. 3, which will be described later.

On the contrary, if it is determined in step 130 that the customer information corresponding to the additional ID does not exist in the simple settlement service member information database, the card issuer server transmits the additional ID to the customer terminal through the shopping mall server To provide a second interface for a subscription service of the corresponding simple payment service. Here, the second interface may include at least one of a resident registration number of the customer, a card number of the payment card, a card validity period, a card authentication code (CVC), a card password, information of the customer terminal, Or an authentication number that responds to a customer authentication request signal using an automatic answering service (ARS). A detailed description of the second interface providing method will be described in detail with reference to FIG.

In step 145, the card issuer server receives information input from the customer terminal through the first interface or the second interface in step 135 or step 140 as described above. In step 150, the card issuer server performs authentication on the customer through the information inputted from the customer terminal through the first interface or the second interface. If the authentication result of the card issuer server is successful in step 150, the process proceeds to step 160, and if the authentication result is failure, the process proceeds to step 125. The settlement process according to the success or failure of the authentication result will be described in detail with reference to FIG. 3 and FIG. 4 which will be described later.

In step 160, if the authentication result in step 150 is successful, the card issuer server registers the customer corresponding to the additional ID input from the customer terminal as a member of the simple settlement service, and in response to the settlement request information received in step 110 And outputs the generated details to the customer terminal and ends the simple settlement service by performing the settlement processing for the output settlement details. The payment details include shopping mall identification information, payment request amount, payment card information corresponding to the customer identification information, information of the pre-registered terminal corresponding to the customer identification information, corresponding to the payment request information received in the step 110 And the payment date, and the card company server requests the customer to confirm payment of the payment information and performs settlement processing upon receiving payment confirmation information from the customer.

Then, when the customer accesses and enters the non-affiliated shopping mall through the customer terminal and requests the simple settlement service, if the additional ID and password are inputted, the customer corresponding to the additional ID is registered as a simple settlement service member in step 160 It is possible to complete payment by one-click without additional procedure such as the entry of the official certificate or card information.

If the card issuer server fails in the authentication result in step 150, the process proceeds to step 125 to request the customer terminal to re-input the additional ID and password. Thereafter, the card issuer server performs authentication for the additional ID and password input from the customer terminal, and performs a payment process for the simple settlement service member registration and the payment history corresponding to the ID according to the authentication result .

In this way, when the card company server receives the customer's simple settlement service request in the online shopping mall that is not affiliated with the affiliated online shopping mall, if the customer logs in to the corresponding shopping mall after registering the payment information for the first time, It is possible to provide the customer with a simple payment service that can complete payment by one-click via mobile and the Internet.

2 is a diagram illustrating a method of providing a simple settlement service in an affiliate shopping mall according to an embodiment of the present invention. More specifically, FIG. 2 is an exemplary diagram illustrating a simple settlement service providing screen according to steps S110, S115, and S120 of FIG.

2, a customer accesses an online shopping mall through a customer terminal, inputs login information, which is customer identification information corresponding to the online shopping mall, selects a product to be purchased on the product sale screen of the online shopping mall, The user can request the simple payment service for the selected purchase item by clicking the application button (simple payment one click button) (210). At this time, the card issuer server confirms whether the customer identification information is the information previously registered in the database, and if the customer identification information is confirmed as the information previously registered in the database, the shopping mall server determines that the shopping mall server is the affiliated shopping mall server .

When the shopping mall server determines that the shopping mall server is a server of a shopping mall affiliated with a card company, the card company server transmits to the customer terminal shopping mall identification information, payment request amount, payment card information (card number) corresponding to the customer identification information, The payment history including the payment information including the information (mobile phone number) of the previously registered terminal and the settlement date (220). For example, in the payment history screen output to the customer terminal, the payment card information may be displayed with an asterisk in the middle of the card number, and only the end of the information of the terminal may be displayed as an asterisk, A button for calling a page for changing the information of the user can be displayed.

At this time, in the method of providing a simple settlement service in the affiliate shopping mall according to an embodiment of the present invention, the credit card company server stores the shopping card identification information, the settlement request amount, the settlement card information corresponding to the customer identification information ), Settlement information including payment information including information (mobile phone number) of previously registered terminals corresponding to the customer identification information, and settlement date in the form of SMS. For example, the pre-registered customer terminal means at least one terminal information of the customer who has performed using the card issued by the card company corresponding to the card company server, and the card company server transmits the payment details in the form of SMS to the customer terminal (260). The card issuer server can perform authentication by checking whether the information of the customer terminal is the same as the previously registered terminal information. When the payment history confirmation information is received from the customer terminal, it is determined that the authentication is successful, It is possible to complete the provision of the simple settlement service.

According to another aspect of the present invention, there is provided a method of providing a simple settlement service in an affiliate shopping mall, wherein the customer can use the simple settlement service for the first time, Or if the information of the terminal is changed, the user can request additional authentication to the card company server by clicking a button that can call a page for changing the information of the customer terminal.

At this time, the card company server provides the customer authentication request signal using the ARS to the changed customer terminal through the mobile communication company server (230). The card company server receives the authentication number responding to the customer authentication request signal from the customer terminal through the mobile communication company server and performs additional authentication for the customer (240, 250), and transmits the payment details to the customer terminal (260). Upon receipt of the payment history confirmation information from the customer terminal, the payment processing corresponding to the payment details is performed to complete the simple payment service. According to the embodiment, when the customer desires payment according to the conventional general payment service or the app card payment service, the customer can select the conventional general payment service or the app card payment service.

3 is a diagram illustrating a method of providing a simple settlement service in a non-affiliated shopping mall according to the first embodiment of the present invention. More specifically, FIG. 3 is an exemplary diagram illustrating a simple settlement service providing screen according to steps S115, S125, S130, S135, and S145 to S160 of FIG.

The customer accesses the online shopping mall through the customer terminal, inputs login information which is customer identification information corresponding to the online shopping mall, selects a product to be purchased on the product sale screen of the online shopping mall, Click button) to request a simple payment service for the selected purchase item.

At this time, the card issuer server confirms whether the customer identification information inputted through the customer terminal is the information previously registered in the database. If it is determined that the customer identification information is not already registered in the database, the shopping mall server determines that the server is a non-affiliated shopping mall that is not affiliated with the credit card company, and that " A message window including the same message may be displayed on the customer terminal (310).

In the case of the shopping mall server that is not affiliated with the card company, since the member information corresponding to the customer identification information inputted by the customer is not shared with the card company server, I can not immediately determine whether I am a member of a simple payment service. That is, the card company server can request the customer to join the simple settlement service through the customer terminal corresponding to the customer identification information.

According to an embodiment of the present invention, the card company server displays on the customer terminal an input window for inputting the additional ID and password for joining the membership through the shopping mall server when requesting membership to the simple payment service, Receives the additional ID and password from the customer, and inquires whether the customer information corresponding to the additional ID exists in the pre-stored quick payment service member information database. Here, the additional ID includes at least a part of the date of birth corresponding to the customer identification information (login information) and the information (cellular phone number) of the previously registered terminal, for example, eight digits after the mobile phone number, And may include a one-time password (OTP) having a predetermined number of digits transmitted to the terminal via SMS. In addition, passwords can be provided in other ways.

In the method for providing the simple settlement service in the non-affiliated shopping mall according to the first embodiment of the present invention, if it is determined that the card company server exists in the simple settlement service member information database previously stored with the customer ID corresponding to the additional ID, And display a first interface for service member subscription on the customer terminal. For example, the card issuer server may display a resident registration number input interface for entering the resident registration number of the customer on the screen of the customer terminal (320). When the customer inputs a resident registration number into the resident registration number input interface displayed on the screen of the customer terminal, the card issuer server can inquire the card number of the issued card corresponding to the resident registration number, the number (mobile phone number) of the registered terminal.

After the inquiry, the card company server displays, on the screen of the customer terminal, shopping mall identification information (using shopping mall), a payment request amount (amount), payment card information (card number) corresponding to the customer identification information, And a first interface including at least a part of the password of the mobile terminal and information (cellular phone number) of the pre-registered terminal corresponding to the customer identification information (330). At this time, an input interface for inputting at least a part of the password of the payment card and an authentication number responding to a customer authentication request signal using an authentication number or an automatic response service (ARS) (330, 360). The screens 340 to 350 attached to FIG. 3 are methods of providing a simple settlement service through SMS authentication, and the settlement screens 360 to 390 are methods of providing a simple settlement service through ARS authentication. / ARS authentication), or both. In particular, the ARS authentication may be provided when the information of the pre-registered terminal corresponding to the customer identification information is different, when the simple settlement service is used for the first time, or when the information of the terminal is changed.

When the customer inputs at least a part of the password of the payment card in the input interface and an authentication number responding to the authentication request SMS transmission or an authentication number responding to the customer authentication request signal using the automatic answering service (ARS) And authenticates the customer through the input information (340, 370, 380). Here, if the authentication result is successful as a result of the authentication, the card company server registers as a simple settlement service member in accordance with the additional ID input from the customer terminal. In response to the simple settlement service provision request of the customer, And outputs the generated payment details to the customer terminal (350, 390). When the payment confirmation information is received from the customer, the payment processing for the output payment details is performed to terminate the simple payment service.

4 is a diagram illustrating a method of providing a simple settlement service in a non-affiliated shopping mall according to a second embodiment of the present invention. More specifically, FIG. 4 is an exemplary diagram illustrating a simple settlement service providing screen according to steps S115, S125, S130, S140, and S145 to S160 of FIG.

The customer accesses the online shopping mall through the customer terminal, inputs login information which is customer identification information corresponding to the online shopping mall, selects a product to be purchased on the product sale screen of the online shopping mall, Click button) to request a simple payment service for the selected purchase item.

At this time, the card issuer server confirms whether the customer identification information inputted through the customer terminal is the information previously registered in the database. If it is determined that the customer identification information is not already registered in the database, the shopping mall server determines that the server is a non-affiliated shopping mall that is not affiliated with the credit card company, and that " A message window including the same message may be displayed on the customer terminal (410).

In the case of the shopping mall server that is not affiliated with the card company, since the member information corresponding to the customer identification information inputted by the customer is not shared with the card company server, I can not immediately determine whether I am a member of a simple payment service. That is, the card company server can request the customer to join the simple settlement service through the customer terminal corresponding to the customer identification information.

According to an embodiment of the present invention, the card company server displays on the customer terminal an input window for inputting the additional ID and password for joining the membership through the shopping mall server when requesting membership to the simple payment service, Receives the additional ID and password from the customer, and inquires whether the customer information corresponding to the additional ID exists in the pre-stored quick payment service member information database. Here, the additional ID includes at least a part of the date of birth corresponding to the customer identification information (login information) and / or information (cellular phone number) of the pre-registered terminal, for example, 8 digits after the mobile phone number, And a one-time password (OTP) having a predetermined number of digits transmitted to the customer terminal via SMS. In addition, passwords can be provided in other ways.

In the method of providing the simple settlement service in the non-affiliated shopping mall according to the second embodiment of the present invention, when it is determined that the card company server does not exist in the simple settlement service member information database previously stored with the additional ID, And display a second interface for a payment service membership to the customer terminal. For example, the card issuer server may display a resident registration number input interface for entering the resident registration number of the customer on the screen of the customer terminal (420). When the customer inputs a resident registration number into the resident registration number input interface displayed on the screen of the customer terminal, the card issuer server inquires the card number of the issued card corresponding to the resident registration number, and the number (mobile number) of the registered terminal.

However, according to the method for providing the simple settlement service in the non-affiliated shopping mall according to the second embodiment of the present invention, since the card company server does not store the customer information corresponding to the additional ID in the simple settlement service member information database, It is impossible to inquire the card number of the issued card or the number (mobile phone number) of the previously registered terminal in accordance with the resident registration number input through the terminal.

Accordingly, the card company server can display the second interface for the simple payment service membership to the customer terminal (430). The second interface includes a card number of the payment card, a card validity period, a card authentication code (CVC), a card password, information (mobile phone number) of the customer terminal, an authentication number responding to the SMS transmission of the authentication request from the customer terminal, And an interface for inputting an authentication number responding to the customer authentication request signal using the service (ARS). The screens 440 to 450 attached to FIG. 4 are methods for providing a simple settlement service through SMS authentication, and the settlement screens 460 to 490 are methods for providing a simple settlement service through ARS authentication. In response to a request from a customer, / ARS authentication), or both. In particular, the ARS authentication may be provided when the information of the pre-registered terminal corresponding to the customer identification information is different, when the simple settlement service is used for the first time, or when the information of the terminal is changed.

A card validity period, a card authentication code (CVC), a card password, information (mobile phone number) of the customer terminal, and an authentication number Or an authentication number responding to the customer authentication request signal using the automatic answering service (ARS), the card issuer server performs authentication for the customer through the input information (440, 470, 480). Here, if the authentication result is successful as a result of the authentication, the card company server registers as a simple settlement service member in accordance with the additional ID input from the customer terminal. In response to the simple settlement service provision request of the customer, And outputs the generated payment details to the customer terminal (450, 490). Upon receipt of the payment confirmation information from the customer, the user can terminate the simple payment service by performing the payment process for the output payment details.

5 is a block diagram of a card issuer server according to an embodiment of the present invention.

Referring to FIG. 5, a card issuer server according to an embodiment of the present invention includes a communication unit 510. A control unit 520 and a storage unit 530.

The communication unit 510 transmits and receives signals necessary for the operation of the card issuer server. The communication unit 210 receives at least one of the customer identification information and the payment request information and the simple payment service request information related to the purchase of the goods from the shopping mall server as the customer connects to the shopping mall server using the customer terminal and selects and purchases the product Some can be received. The communication unit 510 may also transmit a response message to the customer terminal or the shopping mall server in response to the request information.

The control unit 520 stores the information received by the communication unit 510 from the customer terminal or the shopping mall server in the storage unit 530 and acquires necessary information from the storage unit 530 according to the request information received by the communication unit 510 And generates a response to the request. In addition, the control unit 520 confirms whether the customer identification information received through the communication unit 510 is information previously registered in a database linked to the shopping mall server, and authenticates the received information. If the customer identification information received from the customer terminal or the shopping mall server A payment process corresponding to the payment request information can be performed.

The storage unit 530 may store the information received by the communication unit 510 and necessary information and program codes for the operation of the card issuer server. In particular, when the customer connects to the shopping mall server using the customer terminal, the storage unit 530 stores the key identification (key information) of the inputted customer identification information (login information) and the membership value of the server of the shopping mall affiliated with the card company server value) and member information registered in the simple settlement service.

The specific operation of each component in Fig. 5 has been described in detail in Fig. 2 to Fig. As described above, according to an embodiment of the present invention, a customer can receive a simple settlement service not only in an online shopping mall affiliated with a card company that issued a card but also in a non-affiliated online shopping mall. If you log in to the shopping mall after registering the payment information, you can receive a simple payment service that can complete payment by one click through mobile and internet without additional procedures such as entering an official certificate or card information.

The foregoing description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the spirit of the present invention. Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

510: communication unit 520:
530:

Claims (13)

A method for providing a simple settlement service of a card company server,
Receiving customer identification information from the shopping mall server and payment request information according to the purchase of the product as the customer accesses the shopping mall server using the customer terminal and selects and purchases the product;
Confirming and authenticating that the customer identification information is information previously registered in a database linked to the shopping mall server; And
Performing a payment process corresponding to the payment request information according to the authentication result
The method comprising the steps of: The method according to claim 1,
Wherein the customer identification information includes login information input from the customer terminal according to the customer's shopping mall connection. 3. The method according to claim 1 or 2, wherein in the authenticating step,
If it is determined that the customer identification information is pre-registered in the database associated with the shopping mall server, it is determined that the shopping mall server is affiliated with the card issuer server, and a request for payment approval of the payment request information to the shopping mall server A method for providing a simple payment service. 2. The method of claim 1, wherein in the authenticating step,
Wherein the shopping mall server determines that the shopping mall server is not affiliated with the credit card company server if it is determined that the customer identification information is not registered in the database linked to the shopping mall server. The method according to claim 1, wherein, in the step of performing the payment processing,
If the customer identification information is confirmed as the information previously registered in the database linked to the shopping mall server, it is determined that the shopping mall identification information, the payment request amount, the payment card information corresponding to the customer identification information, To the customer terminal, a payment history including payment information including information of the terminal registered in advance and a payment date, and performs payment processing by requesting payment confirmation from the customer. 6. The method of claim 5,
Providing a customer authentication request signal using an automatic answering service (ARS) to the customer terminal when the information of the pre-registered terminal corresponding to the customer identification information is changed, And receiving additional information from the customer terminal to perform additional authentication for the customer. The method according to claim 1,
Determining whether the customer corresponding to the customer identification information is a member of the simple settlement service if it is determined that the customer identification information is not registered in the database linked to the shopping mall server; And
Performing settlement processing corresponding to the settlement request information according to whether the customer is a member of the simple settlement service;
Further comprising the steps of: The method as claimed in claim 7, wherein the step of determining whether the customer is a member of the simple settlement service comprises:
Further receiving an additional ID and a password from the customer terminal through the shopping mall server and inquiring whether the customer information corresponding to the additional ID exists in the quick payment service member information database;
, ≪ / RTI &
Wherein the additional ID includes at least a part of information on the date of birth or the pre-registered terminal corresponding to the customer identification information, and the password is a disposable number having a predetermined number of digits. 9. The method of claim 8,
If the customer information corresponding to the additional ID exists in the simple payment service member information database as a result of the inquiry, providing a first interface for joining the simple payment service corresponding to the additional ID to the customer terminal Further,
Wherein the first interface includes at least a part of the resident registration number of the customer and the password of the payment card, an authentication number responding to the transmission of the authentication request SMS from the customer terminal or an authentication number responding to the customer authentication request signal using the automatic answering service (ARS) The method comprising the steps of: 10. The method of claim 9,
Providing a second interface for joining a simple payment service corresponding to the additional ID to the customer terminal if the customer information corresponding to the additional ID does not exist in the simple settlement service member information database as a result of the inquiry; .
The second interface may include at least one of a resident registration number of the customer, a card number of the payment card, a card validity period, a card authentication code (CVC), a card password, information of the customer terminal, Or an authentication number responding to a customer authentication request signal using an automatic answering service (ARS). 11. The method according to claim 9 or 10,
Performing authentication for the customer through the information inputted through the first interface or the second interface from the customer terminal and registering the customer corresponding to the ID as a simple payment service member according to the authentication result; The method further comprising: 12. The method of claim 11,
If the authentication result is successful, the payment information including the shopping mall identification information, the payment request amount, the payment card information corresponding to the customer identification information, the payment information including the information of the pre-registered terminal corresponding to the customer identification information, And outputting the settlement history to the customer terminal and performing settlement processing by requesting confirmation of settlement to the customer. In the card issuer server,
A communication unit for receiving customer identification information from the shopping mall server and payment request information related to the purchase of the merchandise as the customer accesses the shopping mall server using the customer terminal and selects and purchases the merchandise;
A controller for confirming and authenticating that the customer identification information is information registered in a database linked to the shopping mall server, and performing a payment process corresponding to the payment request information according to the authentication result; And
A storage unit for storing the customer identification information,
A card issuer server.

KR1020150107185A 2015-04-08 2015-07-29 Method for providing simple settlement service of card company server KR20160120642A (en)

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