KR20160127499A - Payment method using mobile terminal and pseudo card - Google Patents

Abstract

The present invention relates to a credit card payment method using a communication network. The method comprises: a pseudo card (30) recording identification information; and a conversion server (45) for converting the identification information of the pseudo card (30) to actual card information, wherein a user accesses the conversion server (45) through a mobile terminal (10) and designates an actual credit card corresponding to the pseudo card (30), and payment is made through the designated credit card when the user uses the pseudo card (30) at a credit card member store. The present invention allows a credit card member to select and use a variety of credit cards without possession of a large number of actual credit cards depending on a need, and allows a member store to conduct a transaction by using an existing member store terminal (35) without a separate receiving device, thereby securing convenience and reducing costs.

Description

TECHNICAL FIELD [0001] The present invention relates to a payment method using a mobile terminal and a pseudo-

The present invention relates to a credit card payment method using a communication network, which comprises a credit card 30 containing identification information, a conversion server 45 for converting the identification information of the credit card 30 into actual card information, A user connects to the conversion server 45 with the mobile terminal 10 to designate the actual credit card corresponding to the fictitious card 30 and when the fictitious card 30 is used at the credit card merchant, So that the payment can be made through the Internet.

As the transaction of goods and services through credit cards is activated and competition among credit card companies for securing members and transaction volumes is intensified, various member benefits such as discounts or reserves are being added, simply by eliminating the means of cash substitution.

Since the benefit of the credit card is generally selected according to the merchant or the goods or services to be traded, the user selects the most favorable credit card among the credit cards he owns, It is necessary to have a large number of credit cards in order to use the credit card.

Accordingly, it is possible to store a plurality of credit card information in a mobile terminal 10 such as a smart phone, to present a barcode or the like outputted on the screen of the mobile terminal 10 to a credit card merchant, A service has been developed in which communication is made without carrying an actual credit card by performing communication between the short-distance transmitting means and a receiving apparatus provided at an affiliate shop, and related related art is disclosed in Laid-Open Patent Application No. 2013-2999 .

The conventional credit card settlement service based on the mobile terminal 10 including the open patent publication No. 2013-2999 includes the credit card card information in the storage device of the mobile terminal 10, The credit card information outputted from the credit card-based commerce is inputted into the receiving device installed in the merchant so that the goods or services are paid, and the real credit card is completely excluded from the payment process. The purpose of the card company and the merchant is to provide the following advantages to each.

First, the member can select a favorable credit card without having a plurality of real credit cards, which can be expected to reduce the damage caused by loss or theft of the real credit card as well as convenience.

In addition, the credit card company can not only reduce the cost of manufacturing and issuing real credit cards, but also can expect the effect of expanding the membership by enhancing convenience and safety of credit card settlement. In addition, And sales growth can be expected.

As described above, the conventional credit card settlement service based on the mobile terminal 10, which completely excludes the real credit card, can be misunderstood to be able to achieve convenience and cost reduction as described above. However, convenience and cost reduction Is extremely small and not only an additional cost is incurred depending on the parties, but there is a serious security problem.

First, convenience is due to the fact that a credit card member does not need to have a real credit card. This is merely an illusion which can hardly be expected to be feasible due to the proliferation of the merchant store to be described later, Even a member who subscribes to a credit card service can not afford a real credit card for normal transactions.

Accordingly, the credit card company can not expect a cost reduction effect because the credit card company also has to issue a general real credit card to a member of the credit card service based on the mobile terminal 10, There is a tremendous additional cost to operate the service in duplicate.

In addition, since it is not possible to perform the credit card service based on the mobile terminal 10 with the existing magnetic reader type merchant terminal 35, it is possible to replace the mobile terminal 10 with a new type device capable of communicating with the mobile terminal 10, (35), it is necessary to additionally install a receiving device, which causes a great additional cost. As a result, these additional costs are transferred to the franchisees and members, which impedes the expansion of the franchise stores and members.

In other words, the conventional credit card service based on the mobile terminal 10 is inevitably incurring a huge additional cost in system construction and operation, and therefore, it is inevitable for the franchisees and members to expand their memberships. A vicious cycle structure that leads to the laxity of the service is formed.

In particular, the conventional credit card service based on the mobile terminal 10 may cause serious security problems in both members and merchants. In the characteristics of the mobile terminal 10, which is a general purpose information device and a communication device, There is a problem that, once a security incident occurs, a serious and widespread damage is caused as compared with a real credit card based service.

First, since the card information of a plurality of credit cards is stored in the mobile terminal 10 in the case of a member who is a general user, there is a risk that all the card information recorded when the mobile terminal 10 is lost or stolen may be leaked, Even if no theft occurs, there is a problem in that it is exposed to hacking through a communication network due to the characteristics of the mobile terminal 10 as a communication device. Since there is a high possibility that the user does not recognize card information leakage due to hacking, There is a serious problem that the follow-up such as suspension of transaction on the card information is delayed and the damage is expanded.

In the conventional credit card service based on the mobile terminal 10, the mobile terminal 10 receives the card information from the mobile terminal 10 while the physical operation such as inputting the real credit card into the merchant terminal 35 is excluded. The transfer of the card information through the wireless communication between the terminal 10 and the receiving device in the merchant store proceeds so that even if the act of cutting off the malicious card information by the owner or the employee of the merchant is not carried out, There is a problem in that it is difficult to effectively block unauthorized reception of information by a third party.

In particular, in the case of a credit card transaction based on a mobile terminal (10) of an agent shop owner or an employee who is familiar with a transaction using a real credit card, a mistake such as a malfunction of the apparatus may occur, thereby causing a dispute between the parties, Education and training are required for the franchisees to prevent such mistakes, which is a cause of rising costs of service management.

SUMMARY OF THE INVENTION The present invention has been made in view of the above problems, and has as its object to provide a merchant terminal (35) that reads information recorded on a credit card and transmits transaction information, a card issuer server (50) A settlement server 40 that is connected to the merchant terminal 35 and the card issuer server 50 and intermediates the transaction information and approval information between the merchant terminal 35 and the card issuer server 50, The conversion server 45 to which the card database 46 storing the information and the card information is connected is connected to the proxy server 40 and the mobile terminal 10 transmits the designation information including the identification information and the discrimination information to the wireless network 20), a step of the switching server (45) receiving the designation information and extracting the discrimination information to update the card database (46), the step of the merchant terminal (35) The identification information recorded in the recording medium 30 is read Generating sales information and transmitting the generated sales information to the proxy server 40; transmitting the identification information in the received caution transaction information to the proxy server 40; The server 45 retrieves the card information from the card database 46 by using the received identification information and transmits the retrieved card information to the proxy server 40. The proxy server 40 transmits the received card information And transmits the generated transaction information to the card issuing server 50. The card transaction server 50 receives and verifies the intact transaction information and transmits the approval information to the agency server 40. [ And transmitting the approval information to the merchant terminal (35) by the proxy server (40) receiving the approval information.

The merchant terminal 35 that reads the information stored in the credit card and transmits the transaction information, the card issuer server 50 that receives the transaction information and transmits the approval information, the merchant terminal 35 and the card issuer server 50, And an agent server (40) for mediating transaction information and approval information between the merchant terminal (35) and the card issuer server (50) in the card database (46) Is connected to the agent server 40 and the card issuer server 50 and the mobile terminal 10 transmits the designated information including the identification information and the discrimination information to the switching server 40 through the wireless network 20 A step in which the conversion server 45 receives designation information and extracts the discrimination information to update the card database 46; By reading the identification information and merging the sales information, And transmitting the received caution transaction information to the conversion server 45. The conversion server 45 transmits the received caution transaction information 45 to the substitution server 40, The card database 46 is retrieved from the card database 46 to retrieve the card information, the generated card information and the sales information in the cautionary transaction information are merged to generate the genuine transaction information, and then transmitted to the card issuer server 50, A step in which the card issuer server 50 receives and verifies the intact transaction information and then transmits the approval information to the conversion server 45; and the conversion server 45, which has received the approval information, transmits the approval information to the agency server 40 And transmitting the approval information to the merchant terminal (35) by the proxy server (40) receiving the approval information.

Through the present invention, the credit card member can select and use various credit cards as needed without having a plurality of real credit cards, and the merchant can deal with the existing merchant terminal 35 without the need of a separate receiving device Therefore, it is possible to obtain convenience and cost reduction effect.

Particularly, the franchisee can use the existing franchise terminal 35 as it is in the practice of the present invention, and the transaction method such as the operation of the franchise terminal 35 is exactly the same as the existing real credit card-based transaction. There is no need to educate and train the franchisees concerned.

In addition, by securing the above-mentioned convenience in transaction, it is possible to solve the proliferation of merchant stores, which was a problem of credit card service based on the conventional mobile terminal 10, and to establish a virtuous cycle structure that leads to increase of merchant stores, .

In addition, by using the pseudo card 30 having the same physical entity as that of the real credit card and the mobile terminal 10 together, information necessary for credit card settlement is handled separately, thereby fundamentally blocking the possibility of leakage of information, It is possible to dramatically improve the performance.

Particularly, in the present invention, the mobile terminal 10 does not store all of the card information of a plurality of credit cards, and the actual card information is stored in the card database 46 constructed at a remote place, Only the function of selecting the card information stored in the database 46 can be performed. Even if the mobile terminal 10 is lost or stolen or the recording information in the mobile terminal 10 is leaked through the communication network, The necessary card information can be safely protected.

1 is a block diagram of a switching server assisting embodiment of the present invention
2 is a sequence diagram of the < RTI ID = 0.0 >
FIG. 3 is an exemplary screen view of a mobile terminal of the present invention
4 is a block diagram of a switching server-driven embodiment of the present invention
Figure 5 shows a sequence diagram of the embodiment of Figure 4

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

The present invention comprises a merchant terminal (35) that reads information recorded on a real credit card having a physical entity and transmits transaction information, a card issuer server (35) that receives transaction information as a server operated by a credit card company And an agent server 40 that is connected to the merchant terminal 35 and the card issuer server 50 and mediates transaction information and approval information between the merchant terminal 35 and the card issuer server 50, A mobile terminal 10 such as a smart phone or a tablet computer and a false card 30 in the form of a real credit card possessed by a user of the mobile terminal 10 are utilized .

That is, the present invention is a payment method performed in a manner that a user, that is, a credit card member, uses a pseudo card 30 and a mobile terminal 10 having the same physical entity as a real credit card, The conversion server 45 to which the card database 46 containing the actual card information and the identification information mediating the card information 30 is connected is constructed so that the conversion server 45 and the card issuer server 50 or Information necessary for credit card settlement such as card information and approval information is distributed through communication between the agent server 40. [

The present invention can be classified into a switching server 45 assistant embodiment and a switching server 45 driven embodiment according to the connection state and operation mode of the switching server 45. First, The embodiment has the same configuration as that shown in FIG. 1, and is performed through a process as shown in FIG.

1, the switching server 45 is connected to the proxy server 40 in the assisted embodiment of the switching server 45 of the present invention and the mobile terminal 10 is connected to the mobile communication network 21 and the wireless LAN 22 via a wireless network 20 such as the Internet.

The agent server 40 is a server that mediates communication between the merchant terminal 35 and the card issuer server 50. The agent server 40 is a server that allows a merchant such as a small store to be a merchant of a plurality of credit card companies It is a server which is operated by an agency that intermediates the transaction to enable the operation.

In addition, in the case of a large-sized retailer such as a department store, its own server that integrally manages a plurality of merchant terminals 35 in the store can act as an agent server 40. [

2, the mobile terminal 10 transmits the designated information including the identification information and the discrimination information to the conversion server 45 through the wireless network 20 (step < RTI ID = 0.0 > And the transmission is started.

Herein, the identification information is information included in the falsification card 30, which is a serial number for identifying the falsification card 30, that is, the user's own falsification card 30, which is a member of the credit card company, As described above, the falsification card 30 of the present invention has the same physical form and structure as a general physical credit card, and must be capable of reading through a general merchant terminal 35 , It is desirable to have the same format as a normal card number.

Further, as the discrimination information, a code for distinguishing the type of the card may be applied as information that can be issued from a different credit card company and can distinguish card information given to the user from a plurality of credit cards held by the user or different credit card companies .

That is, the designation information is constituted of identification information for identifying the falsification card 30 and discrimination information for selecting a specific credit card among the registered credit cards of the user. When the mobile terminal 10 transmits the designation information to the conversion server 45, May be performed by a program installed in the mobile terminal 10. An execution screen of the program loaded in the mobile terminal 10 is illustrated in Fig.

3 is a diagram illustrating a situation in which a smart phone is applied as a mobile terminal 10. The program installed in the mobile terminal 10 is a program for allowing a user to perform operations such as touching an icon on the touch screen of the mobile terminal 10 And then scrolls an object such as a credit card image output to the touch screen to select a specific credit card.

In this way, when the designated information is transferred to the conversion server 45 by the program installed in the mobile terminal 10, the program is stored in the storage device of the mobile terminal 10 and the identification information of the caution card 30 recorded in the storage device of the mobile terminal 10, And transmits the created designation information to the conversion server 45 through the wireless network 20. The identification information is transmitted to the mobile terminal 10 ) It is possible to provide high security by applying cryptographic techniques in the whole process of recording, processing and transmitting in a storage device.

When the designation information is transmitted by the mobile terminal 10, the conversion server 45 receives the designation information, extracts the identification information and the identification information in the designation information, verifies the validity of the identification information, A step of updating the card database 46 is performed.

Although the conversion server 45 and the card database 46 are shown as being separated in the accompanying drawings, this does not necessarily mean physical separation, and the card database 46 in the storage device of the conversion server 45 It can also be built.

Here, the update of the card database 46 designates the actual card information corresponding to the identification information of the falsified card 30 through the identification information, whereby the falsification card 30 is provided with the actual physical credit card corresponding to the specified card information Equal status is granted temporarily or temporarily.

Thereafter, the merchant terminal 35 reads the identification information recorded in the falsified card 30 and merges the sales information to generate the cautionary transaction information (reservation information), and transmits it to the proxy server 40 This is a process similar to that performed when a commercial transaction is performed through a normal real credit card, and an operation performed physically by an affiliated shop person such as an employer or an employee actually performing the transaction is the same as a normal real credit card payment.

Therefore, it is not necessary to replace or remodel the franchise terminal 35 for carrying out the present invention, and to educate and train the franchiser.

The sales information included in the cautionary transaction information is composed of the price of the goods or services to be traded, identification means such as the unique number of the merchant, and transaction conditions such as deduction of installment or reserve, as in normal credit card settlement .

When the transfer of the false transaction information by the merchant terminal 35 is completed, the step of the proxy server 40 receiving the false transaction information and transmitting the identification information included in the received false transaction information to the conversion server 45 Then, the conversion server 45 inquires the card database 46 with the received identification information, fetches the card information, and transmits the retrieved card information to the proxy server 40. [

That is, the conversion server 45 converts the identification information of the false card 30 into the card information of the actual credit card and provides it to the proxy server 40.

Thereafter, the agent server 40 merges the received card information and the sales information to generate the genuine transaction information (authenticity information), and transmits the generated genuine transaction information to the card issuer server 50. As described above, The intact transaction information has the same characteristics as the transaction information processed in ordinary credit card settlement.

When the transfer of the intact transaction information by the agent server 40 is completed, the card company server 50 receives and verifies the intact transaction information and transmits the approval information to the agent server 40; The proxy server 40 transmits the approval information to the merchant terminal 35, thereby completing the credit card settlement according to the assistant embodiment of the conversion server 45 of the present invention.

In such a conversion server 45 assisted embodiment of the present invention, the conversion server 45 may be operated by a financial institution as well as a communication company or an organization supervising a credit card service, or may be operated by the above- The agent server 40 and the conversion server 45 may be integrated and operated when the conversion server 45 is operated by a transaction service intermediary that operates the agency server 40. [

4 and 5 illustrate the configuration and operation of the switching server 45 of the present invention, which will be described in detail as follows.

4, in the switching server 45 of the present invention, the conversion server 45 is connected to the agent server 40 and is also connected to a plurality of card company servers 50, and the card database 46 And the connection with the mobile terminal 10 via the wireless network 20 are the same as in the above-described switching server 45 auxiliary embodiment.

5, when the mobile terminal 10 transmits the designation information including the identification information and the discrimination information to the conversion server 45 through the wireless network 20, And the entire process of the step may be performed in the same manner as in the transmission of the designated information in the above-described conversion server 45 auxiliary embodiment.

When the designation information is transmitted by the mobile terminal 10, the conversion server 45 receives the designation information, extracts the identification information and the identification information in the designation information, verifies the validity of the identification information, The update of the card database 46 is performed as well as the update of the card database 46. The card database 46 is also updated by the identification information of the falsification card 30 through the discrimination information as in the above- And thereby, the status equivalent to the real credit card is temporarily or temporarily given to the falsified card 30.

Thereafter, the merchant terminal 35 reads the identification information recorded in the falsified card 30, merges the sales information, generates the false transaction information, and transmits the generated false transaction information to the proxy server 40. [

When the transmission of the false transaction information by the merchant terminal 35 is completed, the proxy server 40 receives the false transaction information and transmits the received false transaction information to the conversion server 45. Subsequently, The conversion server 45 inquires the card database 46 with the identification information in the received cautionary transaction information to fetch the card information and generates the genuine transaction information by merging the withdrawn card information and the sales information in the cautionary transaction information To the card issuer server 50 is performed.

That is, the conversion server 45 converts the identification information of the provisional card 30 into card information of the actual credit card to generate the genuine transaction information, and provides it to the card issuer server 50.

When the transmission of the intact transaction information by the conversion server 45 is completed, the card issuer server 50 receives and verifies the intact transaction information and then transmits the approval information to the conversion server 45; The step of transferring the approval information to the agent server 40 by the conversion server 45 and the step of transferring the approval information to the agent terminal 35 by the agent server 40 receiving the approval information are sequentially performed, The credit card settlement according to the initiative embodiment of the conversion server 45 of the present invention is completed.

4, the conversion server 45 is arranged in the card issuing server 50 layer instead of the proxy server 40 layer in the communication network configuration of the credit card settlement system in the conversion server 45 of the present invention of the present invention So that the conversion server 45 behaves like one of the card issuer servers 50. Therefore, it is possible to construct the system without changing or modifying physical and logical configurations in the proxy server 40. [

Accordingly, it is possible to minimize the conflict of interest among the respective performing parties of the credit card settlement service according to the application of the present invention, There is an advantage that the service can be provided without changing the service provider.

10: mobile terminal
20: Wireless network
21: Mobile communication network
22: Wireless LAN
30: False card
35: Merchant terminal
40: proxy server
45: Conversion Server
46: Card database
50: Card issuer server

Claims (2)

A merchant terminal 35 that reads the information stored in the credit card and transmits transaction information, a card issuer server 50 that receives the transaction information and transmits approval information, a merchant terminal 35 and a card issuer server 50 And an agent server (40) for intermediating transaction information and approval information between the merchant terminal (35) and the card issuer server (50)
The conversion server 45 to which the card database 46 storing the identification information and the card information is connected is connected to the agent server 40;
The mobile terminal 10 transmits the designation information including the identification information and the discrimination information to the conversion server 45 through the wireless network 20;
Receiving the designated information from the conversion server (45) and extracting the discrimination information to update the card database (46);
The merchant terminal 35 reads the identification information stored in the falsified card 30 and merges the sales information to generate the cautionary transaction information and transmits it to the proxy server 40;
The proxy server 40 transmits the identification information in the received caution transaction information to the conversion server 45;
The switching server 45 inquires the card database 46 with the received identification information to fetch the card information and transmit the retrieved card information to the proxy server 40;
The agent server 40 merges the received card information with the sales information to generate the genuine transaction information, and then transmits the genuine transaction information to the card issuer server 50;
After the card issuer server 50 receives and verifies the intact transaction information and transmits the approval information to the agent server 40;
And transmitting the approval information to the merchant terminal (35) by the proxy server (40) receiving the approval information.
A merchant terminal 35 that reads the information stored in the credit card and transmits transaction information, a card issuer server 50 that receives the transaction information and transmits approval information, a merchant terminal 35 and a card issuer server 50 And an agent server (40) for intermediating transaction information and approval information between the merchant terminal (35) and the card issuer server (50)
The conversion server 45 to which the card database 46 storing the identification information and the card information is connected is connected to the agent server 40 and the card issuer server 50;
The mobile terminal 10 transmits the designation information including the identification information and the discrimination information to the conversion server 45 through the wireless network 20;
Receiving the designated information from the conversion server (45) and extracting the discrimination information to update the card database (46);
The merchant terminal 35 reads the identification information stored in the falsified card 30 and merges the sales information to generate the cautionary transaction information and transmits it to the proxy server 40;
The proxy server 40 transmits the received caution transaction information to the conversion server 45;
The conversion server 45 inquires of the card database 46 with the identification information in the received cautionary transaction information, fetches the card information, merges the withdrawn card information and the sales information in the cautionary transaction information to generate the genuine transaction information To the card issuer server (50);
After the card issuer server 50 receives and verifies the intact transaction information and transmits the approval information to the conversion server 45;
The conversion server 45 having received the approval information transmits the approval information to the proxy server 40;
And transmitting the approval information to the merchant terminal (35) by the proxy server (40) receiving the approval information.

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