KR20160128804A - Payment method using mobile terminal and pseudo card - Google Patents
Payment method using mobile terminal and pseudo card Download PDFInfo
- Publication number
- KR20160128804A KR20160128804A KR1020150060746A KR20150060746A KR20160128804A KR 20160128804 A KR20160128804 A KR 20160128804A KR 1020150060746 A KR1020150060746 A KR 1020150060746A KR 20150060746 A KR20150060746 A KR 20150060746A KR 20160128804 A KR20160128804 A KR 20160128804A
- Authority
- KR
- South Korea
- Prior art keywords
- information
- card
- server
- transmits
- transaction
- Prior art date
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
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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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
Abstract
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.
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.
Description
The present invention relates to a credit card payment method using a communication network, which comprises a
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
The conventional credit card settlement service based on the
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
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
In addition, since it is not possible to perform the credit card service based on the
In other words, the conventional credit card service based on the
In particular, the conventional credit card service based on the
First, since the card information of a plurality of credit cards is stored in the
In the conventional credit card service based on the
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) And a proxy server (40) that is connected to the merchant terminal (35) and the card issuer server (50) and intermediates transaction information and approval information between the merchant terminal (35) and the card issuer server (50) The
The
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
Particularly, the franchisee can use the existing
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
In addition, by using the
Particularly, in the present invention, the
In addition, the
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
The present invention is a settlement method carried out in a manner that a user, that is, a credit card member, uses a pseudo card (30) having the same physical entity as a real credit card and a mobile terminal (10) A
The present invention can be classified into a switching
1, the
The
In addition, in the case of a large-sized retailer such as a department store, its own server that integrally manages a plurality of
2, the
As described above, the user information is information that can determine the eligibility of the user who is the owner of the credit card, as a holder of the
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 information transmitted from the
3 is a diagram illustrating a situation in which a smart phone is applied as a
In this way, when the designated information is transferred to the
When the designation information is transmitted by the
Although the
Herein, the identification information is information included in the
The update of the
As described above, according to the present invention, identification information is stored in the
That is, as shown in FIG. 2, by configuring the designation information as the user information and the discrimination information, it is possible to carry out the present invention without storing the identification information of the
Of course, although it is possible to consider encrypting and storing the identification information of the
After the step of updating the
Therefore, it is not necessary to replace or remodel the
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
That is, the
Thereafter, the
When the transfer of the intact transaction information by the
In such a
4 and 5 illustrate the configuration and operation of the switching
4, in the switching
5, the
When the designation information is transmitted by the
Thereafter, the
When the transmission of the false transaction information by the
That is, the
When the transmission of the intact transaction information by the
4, the
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.
Particularly, as described above, by separately managing and using the material of the information required in the entire execution process of the invention, that is, the designation information transmitted to the
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 conversion server 45 to which a card database 46 containing user information, identification information and card information is connected is connected to the proxy server 40;
The mobile terminal 10 transmits the designation information including the user 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 conversion server 45 to which a card database 46 containing user information, identification information and 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 user 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.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020150060746A KR20160128804A (en) | 2015-04-29 | 2015-04-29 | Payment method using mobile terminal and pseudo card |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020150060746A KR20160128804A (en) | 2015-04-29 | 2015-04-29 | Payment method using mobile terminal and pseudo card |
Publications (1)
Publication Number | Publication Date |
---|---|
KR20160128804A true KR20160128804A (en) | 2016-11-08 |
Family
ID=57528201
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
KR1020150060746A KR20160128804A (en) | 2015-04-29 | 2015-04-29 | Payment method using mobile terminal and pseudo card |
Country Status (1)
Country | Link |
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KR (1) | KR20160128804A (en) |
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2015
- 2015-04-29 KR KR1020150060746A patent/KR20160128804A/en unknown
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