KR20170087276A - Method and server for providing location based payment authentication service - Google Patents

Abstract

A location-based payment authentication service providing method is disclosed. The method includes receiving a payment approval request for a purchase of a product by a customer, acquiring settlement location information corresponding to a location where settlement is requested, acquiring current location information of the terminal device provided by the customer, And comparing the payment position information with the acquired current position information to determine whether or not to approve the payment approval request.

Description

[0001] METHOD AND SERVER FOR PROVIDING LOCATION BASED PAYMENT AUTHENTICATION SERVICE [0002]

The present invention relates to a location-based payment authentication service providing method and server, and more particularly, to a payment authentication service providing method and server for determining whether to approve payment using a location of a customer at the time of payment.

In the modern society, credit cards, check cards, debit cards, and cash cards (hereinafter referred to as cards) are widely used as a means of replacing cash settlement in online / offline merchants.

For example, in the case of offline payment through a card, the customer passes the payment card to the merchant clerk, the clerk of the merchant inputs the price for the goods or service in the payment terminal equipped with the card reader function, . In this case, the payment terminal transmits the payment request telegram to the card company (or financial company) server through a predetermined payment network (for example, VAN (Value Added Network) A payment for a predetermined amount of money is carried out without cash, and a receipt is issued to the customer after the payment is approved.

In such a card payment process, the authentication process for the payment customer is very weak. For example, in a current card settlement process, a card user signs a sales slip or signatures are made through a signature pad connected to a payment terminal.

It is difficult to authenticate a card user as a customer signature, and therefore, even if a card is used by a user who is not an actual card owner, it is difficult to prevent the card from being used during the payment process. In addition, it is not easy to solve problems that occur when the card owner loses the card or is used unauthorized by another user.

Especially, in recent years, fraudulent or illegal use cases where foreign people try to deal with theft or lost card card information or credit card information are frequently occurred, and the damage caused by the fraudulent use is increasing.

Therefore, there is a need to prevent illegal use by others.

SUMMARY OF THE INVENTION The present invention has been made in view of the above-mentioned needs, and it is an object of the present invention to provide a location-based service providing system, which compares settlement location information corresponding to a requested settlement location with current location information of a terminal device provided by a customer, And a method of providing the payment authentication service.

According to another aspect of the present invention, there is provided a method of providing a location based payment authentication service, the method comprising: receiving a payment approval request for a purchase of a product by a customer; Acquiring information on the current location information of the terminal device provided by the customer, comparing the obtained settlement location information with the acquired current location information, and determining whether the settlement approval request is approved or not .

The receiving step may include receiving a payment approval request including identification information of the merchant when the customer requests payment from an online or offline merchant using the card held by the customer, The obtaining step may include detecting position information of the corresponding merchant using the merchant identification information, and obtaining the settlement position information based on the detected merchant position information.

The step of determining approval or disapproval of the payment approval request may include determining country information corresponding to the obtained settlement location information and country information corresponding to the acquired current location information, A step of accepting a payment approval request; and a step of disallowing a payment approval request when the state is different as a result of the determination.

The method may further include the steps of: requesting detailed location information to the terminal device of the customer when the payment approval request is performed; determining whether the current location of the customer terminal device is indoors or outdoors, Further comprising the step of obtaining information from the terminal device of the customer, wherein the detailed positional information includes first positional information generated by first positional determination means used in acquiring existing positional information, And position information generated using the second position information generated by the second position determining means.

The method may further include the steps of: determining a distance difference between the acquired payment position information and the acquired detailed position information; approving a payment approval request when the distance difference is within a predetermined distance range; And disapproving the payment approval request when the distance is outside the set distance range.

The method further includes storing the payment approval date information of the customer, wherein the step of determining approval or disapproval of the payment approval request comprises: determining country information corresponding to the obtained payment position information; As a result of the determination, if the country is overseas, comparing the payment request time point of the customer with the settlement approval date information may be used to determine whether the payment is approved.

Storing customer country related information including at least one of issuing country information of the card of the customer, country information of the name of the terminal for the terminal, and country information of the communication carrier for the terminal, Comparing the country information corresponding to the settlement position information with the stored information when the settlement approval request for the settlement position information is received, and if the at least one of the stored information is inconsistent with the settlement position information, A step of transmitting a settlement related inquiry message, and a step of determining whether the payment approval request is approved when the settlement inquiry is received from the terminal device.

According to another aspect of the present invention, there is provided a server for providing location-based payment authentication services, including a communication unit for receiving a payment approval request for purchasing goods from a customer, A location information acquiring unit for acquiring corresponding settlement location information and acquiring current location information of the terminal device provided by the customer, and comparing the acquired settlement location information with the acquired current location information, And a control unit for determining whether or not to approve.

The communication unit receives a payment approval request including identification information of the merchant when the customer requests payment from an online or offline merchant using the card held by the customer, And a payment position information obtaining unit for detecting position information of the corresponding merchant using the merchant identification information and obtaining the payment position information based on the detected merchant position information.

Also, the control unit may determine the country information corresponding to the acquired settlement position information and the country information corresponding to the obtained current position information, and if the country is the same as the determined current position information, If the result country is different, the payment authorization request may be disapproved.

The location information obtaining unit may request detailed location information of the customer terminal device when the false request for the payment approval request is performed and determine whether the current location of the customer terminal device is indoor or outdoor And a customer position information obtaining unit for obtaining detailed position information corresponding to the first position information and the second position information from the customer's terminal device, And may be position information generated using the second position information generated by the second position determination means different from the determination means.

Also, the control unit may determine a distance difference between each other using the obtained settlement position information and the obtained detailed position information, approve a payment approval request when the distance difference is within a predetermined distance range, Is outside the predefined distance range, the payment authorization request may be rejected.

The control unit may further include a storage unit for storing the overseas settlement approval date information of the customer, wherein the control unit determines country information corresponding to the obtained settlement location information, and when the country is overseas, The payment request time point and the payment approval date information may be compared with each other to determine whether the payment is approved.

The information processing apparatus may further include a storage unit for storing customer country related information including at least one of issuing country information of the card of the customer, country information of the name of the terminal for the terminal apparatus, and country information of the communication company for the terminal apparatus , The control unit compares the country information corresponding to the payment position information with the stored information when a payment approval request for purchase of goods is received and if at least one of the stored information and the payment position information do not match , The control unit controls the communication unit to transmit a settlement related inquiry to the customer's terminal device, and can determine whether the payment approval request is approved when an approval response is received from the terminal device for the payment related inquiry.

According to various embodiments of the present invention, when the customer's payment is compared with the current position of the customer and the customer is determined to be in the same position, the payment is approved definitively so that the customer's card is stolen, Illegal copying can be prevented.

In addition, according to various embodiments of the present invention, when an overseas settlement is requested, the inquiry is made to the customer, the overseas settlement approval date information is inputted from the customer, and the settlement approval approval date and time, Compare the date information to determine whether the payment has been approved.

1 is a block diagram illustrating a payment authentication service providing system according to an embodiment of the present invention.
2 is a block diagram illustrating a payment authentication service providing server according to an embodiment of the present invention.
3 is a timing diagram illustrating a method of providing a payment authentication service according to an embodiment of the present invention.
4 is a flowchart illustrating a process for determining whether or not a payment has been approved according to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating a process for determining approval or disapproval according to an embodiment of the present invention.
6 is a flowchart illustrating a payment approval inquiry process according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating an overseas settlement setting user interface screen according to an embodiment of the present invention.

The following merely illustrates the principles of the invention. Thus, those skilled in the art will be able to devise various apparatuses which, although not explicitly described or shown herein, embody the principles of the invention and are included in the concept and scope of the invention. Furthermore, all of the conditional terms and embodiments listed herein are, in principle, only intended for the purpose of enabling understanding of the concepts of the present invention, and are not to be construed as limited to such specifically recited embodiments and conditions do.

It is also to be understood that the detailed description, as well as the principles, aspects and embodiments of the invention, as well as specific embodiments thereof, are intended to cover structural and functional equivalents thereof. It is also to be understood that such equivalents include all elements contemplated to perform the same function irrespective of the currently known equivalents as well as the equivalents to be developed in the future, i.e., the structure.

Thus, it should be understood that all flow diagrams, state transitions, pseudo code, etc. are representative of various processes that may be substantially represented on a computer-readable medium and executed by a computer or processor, whether the computer or processor is explicitly shown .

The functions of the various elements shown in the figures, including the functional blocks depicted in the processor or similar concept, may be provided by use of dedicated hardware as well as hardware capable of executing software in connection with appropriate software. When provided by a processor, the functions may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared.

BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, features and advantages of the present invention will become more apparent from the following detailed description of the present invention when taken in conjunction with the accompanying drawings, in which: There will be. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

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

1 is a block diagram illustrating a payment authentication service providing system according to an embodiment of the present invention. 1, a billing authentication service providing system 1000 includes a customer terminal 100-1, 100-2, a merchant 200, a payment relay server 300, a payment authentication service providing server 400, , And a payment processing server 500. [

The terminal devices 100-1 to 100-N may be a smart phone, a tablet computer, a notebook computer, a PDA (personal digital assistant), a portable multimedia player (PMP), a digital TV, , A wearable smart watch, and the like.

The merchant shop 200 is a market for selling merchandise that can be purchased by a customer, and may include a domestic merchant store and an overseas merchant store. In this case, overseas settlement using an overseas merchant may mean all settlement where settlement is made through the overseas settlement network irrespective of the location, whether the customer is overseas or domestic. That is, not only the case where a customer goes directly to a foreign country and uses his / her card at an overseas merchant, but also a case where the customer makes payment through an overseas merchant or an overseas payment network via a wired / wireless network while staying in Korea.

In addition, the form of the merchant 200 may include an offline merchant that sells products in an offline market, and an online merchant that sells products in an online market, such as a shopping mall web page.

In the case of the online merchant 200, the merchant included in the payment authentication service providing system 1000 can be more accurately implemented as a shopping mall server corresponding to an overseas merchant.

Further, in the case of the offline merchant 200, the merchant included in the payment authentication service providing system 1000 can be more accurately implemented as a POS (Point Of Sale) device, a card reader terminal, or the like installed at the merchant.

However, the merchant 200 of the payment authentication service providing system 1000 according to an exemplary embodiment of the present invention may be preferably an offline merchant 200.

On the other hand, the payment relay server 300 can relay the payment and make payment for the goods. Specifically, when the customer selects a product from the merchant 300 and requests payment of a card for the product, the payment relay server 300 transmits a payment approval request to the payment authentication service providing server 400 and / or the payment processing server 500 ).

In addition, the payment relay server 300 can receive a response to the payment approval request from the payment authentication service providing server 400 and / or the payment processing server 500 and transmit the response to the merchant 300.

The payment relay server 300 may be implemented as a Value Added Network (VAN) server, a payment gateway (PG) server, or the like.

On the other hand, the payment processing server 500 can receive a payment approval request from the payment relay server 300, judge whether or not to approve the request, and notify the result of the examination. The payment processing server 500 receives the determination result of the payment authentication service providing server 400 and can check whether the payment approval request is approved.

The payment processing server 500 may be implemented as a card issuer server corresponding to each of a plurality of card companies. For example, in Korea, a plurality of domestic card company servers may be servers corresponding to domestic card companies such as Hyundai Card, Lotte Card, and Samsung Card.

On the other hand, when a payment approval request is received from the payment relay server 300, the payment authentication service providing server 400 acquires payment position information corresponding to the position requested for payment, And compares the acquired settlement location information with the acquired current location information to determine whether to approve the settlement approval request.

According to the above-described example, the system 1000 includes both the payment authentication service providing server 400 and the payment processing server 500 and performs some functions for determining whether or not to approve payment, Which is an embodiment of the present invention, but is not limited thereto. According to another embodiment, the settlement authentication service providing server 400 may be implemented to perform all the functions of the settlement processing server 500 described above. In this case, the settlement processing server 500 includes the above- . ≪ / RTI >

Hereinafter, the payment authentication service providing server 400 described above will be described in detail with reference to FIG.

2 is a block diagram illustrating a payment authentication service providing server according to an embodiment of the present invention. 2, the payment authentication service providing server 400 includes all or a part of a communication unit 410, a storage unit 420, a location information obtaining unit 430, and a control unit 440.

The communication unit 410 enables communication between the payment authentication service providing server 400 and the external device. Specifically, the communication unit 410 receives information from at least one of the terminal apparatus 100, the payment relay server 300 and the payment processing server 500, or receives information from at least one of the terminal apparatus 100, the payment relay server 300, And may transmit information to at least one of the processing servers 500.

In particular, the communication unit 410 can receive a payment approval request for purchase of a commodity from the payment relay server 300. The payment approval request may include merchant identification information, card identification information, payment amount information, and the like.

Herein, the payment amount information may be the amount information of the goods requested by the customer, and the merchant identification information may be information that can be distinguished from each other among a plurality of merchants. The virtual card identification information is information for identifying a card issued to each of a plurality of customers, and may include card number information, card validity period information, and the like.

Meanwhile, when a response to the payment approval request is generated, the communication unit 410 can transmit the response to the device of the affiliated shop 200 through the payment relay server 300. [ Alternatively, the communication unit 410 can transmit a response to the payment approval request to the payment processing server 500. [

Here, the communication unit 410 may be connected in a wireless or wired manner via a local area network (LAN) and an Internet network, a form connected through a USB (Universal Serial Bus) port, a mobile communication network Or a form connected through a short-range wireless communication method such as NFC (Near Field Communication), Radio Frequency Identification (RFID), Wi-Fi, or the like.

The storage unit 420 functions to store various data and applications required for the operation of the payment authentication service providing server 400.

In particular, the storage unit 420 may store location information corresponding to each of a plurality of merchant points. Specifically, the storage unit 420 may be stored as shown in Table 1 below.

Merchant identification information Location information (EX. Latitude and longitude information) Merchant A Latitude: X1, Longitude: Y1 Merchant B Latitude: X2, Longitude: Y2 Merchant C Latitude: X3, Longitude: Y3

However, the location information may be implemented not only as latitude / longitude information, but also as address information.

In addition, the storage unit 420 stores information on the customer's overseas settlement approval date, issuing country information on the card of the customer, country information on the name of the terminal apparatus 100, and country information of the telecommunications carrier to the terminal apparatus 100 At least one of which can be matched to the customer identification information and stored. Specifically, the storage unit 420 may be stored as shown in Table 2 below.

customer name Issuing country information for your card To the terminal device
Country information of the applicant To the terminal device
Korean carrier's national information About overseas payment approval dates Customer A
(Korean) Korea Korea Korea July 2 ~
July 5 Customer B
(Japanese) Japan Japan Japan Do not set Customer C
(Chinese) China China China July 1 ~
July 10

Herein, the storage unit 420 may be implemented as a random access memory (RAM), a flash memory, a ROM, an erasable programmable ROM (EPROM), an electronically erasable and programmable ROM (EEPROM), a register, a hard disk, Card, or the like, as well as a detachable type storage device such as a USB memory.

The storage unit 420 may be implemented in the payment authentication service providing server 400 or in the form of an external database connected to the payment authentication service providing server 400.

On the other hand, the location information obtaining unit 430 includes a settlement location information obtaining unit 431 for obtaining settlement location information corresponding to a requested settlement location, acquiring customer location information for obtaining current location information of the terminal device Section 432. The < / RTI >

Specifically, when a payment approval request including merchant identification information is received through the communication unit 410, the payment position information acquisition unit 431 applies the received merchant identification information to Table 1 to detect the merchant location information have. Here, the franchisee may be a franchisee that has requested the customer to settle the product to be purchased.

In this case, the payment position information obtaining unit 431 can obtain the payment position information corresponding to the position where payment is requested using the detected merchant position information.

On the other hand, the customer location information obtaining unit 432 requests location information of the customer's terminal device 100 and, when receiving the current location information of the terminal device 100 from the customer's terminal device 100 according to the request, It is possible to acquire the current location information of the terminal device provided by the customer as a basis.

The customer location information acquisition unit 432 requests current detailed location information to the customer's terminal device 100 and requests the current location information from the terminal device 100 of the customer to the terminal 100. [ When the current detailed position information of the apparatus 100 is received, the current detailed position information of the terminal device 100 provided by the customer can be obtained based on the current detailed position information.

To this end, the customer's terminal device 100 may generate detailed location information corresponding to the current location, whether indoor or outdoor, and transmit the detailed location information to the payment authentication service providing server 400.

The detailed position information may include first position information generated by the first position determining means used when acquiring existing position information and second position information generated by the second position determining means different from the first position determining means And may be position information generated by the user.

For example, the customer terminal device 100 may acquire positional information using GPS (Global Positioning System) before the beating.

However, when the false acceptance is performed, the settlement authentication service providing server 400 may request detailed location information from the customer terminal 100. [

In this case, the customer terminal 100 generates detailed location information using not only location information obtained through GPS but also location information obtained using a beacon located in the room, and transmits the generated location information to a payment authentication service To the server (400).

Here, the beacon may be a device capable of communicating with the customer terminal 100 through short-range wireless communication. Here, the short-range wireless communication scheme is preferably Bluetooth Low Energy (BLE) communication. This Bluetooth low energy is a wireless communication protocol used to transmit messages to low energy, and the BLE specification is defined in Volume 6 of the Bluetooth Specification.

In this case, the customer terminal 100 can estimate the detailed position of the terminal device 100 using the received signal strength indicator (RSSI) of the signal received from a plurality of beacons, To the payment authentication service providing server (400).

On the other hand, when the current location of the customer is outdoors, the customer terminal 100 can acquire detailed information of the terminal 100 using the location information obtained using the Wi-Fi AP, The location information can be estimated and the detailed location information can be transmitted to the payment authentication service providing server 400. [

On the other hand, the controller 440 controls the overall operation of the payment authentication service providing server 400. More specifically, the control unit 440 may control all or a part of the communication unit 410, the storage unit 420, and the positional information obtaining unit 430.

In particular, the control unit 440 compares the payment position information obtained by the payment position information obtaining unit 431 with the current position information obtained by the customer position information obtaining unit 432, and determines whether or not the payment approval request is approved .

Specifically, the control unit 440 determines the country information corresponding to the settlement location information obtained by the settlement location information obtaining unit 431 and the country information corresponding to the current location information obtained by the customer location information obtaining unit 432 If it is determined that the country is the same as the result of the determination, the payment approval request is accepted. If the country is different from the determination result, the payment approval request may be disapproved.

Further, it is also possible to determine the distance difference between each other using the settlement position information obtained by the settlement position information obtaining section 431 and the detailed position information obtained by the customer position information obtaining section 432. If the distance difference is within the predetermined distance range , The payment approval request is approved, and if the distance difference is outside the predetermined distance range, the payment approval request can be disapproved.

The control unit 440 determines the country information corresponding to the settlement location information obtained by the settlement location information obtaining unit 431. If the country is overseas as a result of the determination, It is possible to judge whether the payment is approved or not.

The control unit 440 compares the country information corresponding to the settlement location information with the stored customer country related information when receiving the settlement approval request for the purchase of the goods, When the information is inconsistent, the communication unit 410 is controlled to transmit a settlement related inquiry to the customer's terminal device 100. When an approval response is received from the terminal device 100 with respect to the settlement related inquiry, It is possible to judge whether or not it is approved.

The control operation of the controller 440 will be described in more detail with reference to FIGS. 3 to 6. FIG.

3 is a timing diagram illustrating a method of providing a payment authentication service according to an embodiment of the present invention. Referring to FIG. 3, a customer can visit a merchant 200, select a specific merchandise, and request payment of a merchandise using the card (S101).

In this case, the device provided in the merchant 200 transmits a payment approval request including merchant identification information, card identification information, payment amount information, and the like to the payment authentication service providing server 400 through the payment relay server 300 S102), and can transfer the data to the settlement processing server 500 (S103).

In this case, the payment authentication service providing server 400 may acquire payment position information corresponding to the position where payment is requested (S104).

Then, the settlement authentication service providing server 400 can acquire the current position information of the terminal device 100 provided by the customer (S105).

The payment authentication service providing server 400 may compare the acquired payment position information with the obtained current position information to determine whether the payment approval request is approved (S106).

Then, the payment authentication service providing server 400 may transmit the determination result of the payment approval to the payment processing server 500 (S107).

Meanwhile, the payment processing server 500 may determine whether the payment approval request is a valid payment request, and may determine whether the payment approval request is approved (S108). For example, based on the card identification information, the payment processing server 500 can determine whether the card is a card that is validly issued, whether or not the card is valid, and determine whether to approve the payment approval request .

Then, the payment processing server 500 can generate a response to the payment approval request using its own determination result and the determination result received from the payment authentication service providing server 400 (S109).

Then, the payment processing server 500 can notify the terminal device 100 of the affiliate shop 200 or the customer terminal 100 of a response to the payment approval request (S110).

4 is a flowchart illustrating a process for determining whether or not a payment has been approved according to an embodiment of the present invention. Referring to FIG. 4, the payment authentication service providing server 400 may receive a payment approval request for a purchase of a product by a customer (S201).

In this case, the payment authentication service providing server 400 may acquire payment position information corresponding to the position where payment is requested (S202). Specifically, the settlement authentication service providing server 400 can detect the location information of the affiliated merchant using the merchant store identification information, and obtain the settlement location information based on the detected merchant store location information.

Then, the payment authentication service providing server 400 can acquire the current position information of the terminal device provided by the customer (S203). Specifically, the settlement authentication service providing server 400 can acquire the current location information by requesting the current location information to the customer terminal 100.

Then, the settlement authentication service providing server 400 can compare the country information corresponding to the acquired settlement location information with the country information corresponding to the acquired current location information (S204).

If the countries are the same (S204: Y), the settlement authentication service providing server 400 can accept the payment approval request (S205). For example, if the country where the payment is requested by the customer is 'Korea' and the country where the customer is currently located is 'Korea', the payment authentication service providing server 400 may accept the payment approval request.

However, if the country is different (S204: N), the settlement authentication service providing server 400 may disallow the settlement approval request (S206). For example, if the country where the customer's payment is requested is 'USA' and the country where the customer is currently located is 'Korea', the payment authentication service providing server 400 may disapprove the payment approval request.

On the other hand, if the false authentication request is issued, the payment authentication service providing server 400 can acquire detailed position information of the customer's terminal device (S207). Specifically, the settlement authentication service providing server 400 can acquire the current detailed position information by requesting the customer terminal device 100 for position information on the current position.

The settlement authentication service providing server 400 may compare the obtained settlement location information with the acquired detailed location information to determine a distance difference between the settlement location information and the acquired detailed location information (S208).

If the distance difference is within the preset distance range (S208: Y), the payment authentication service providing server 400 can approve the payment approval request (S209). For example, if the country where the customer's payment is requested and the country where the customer is present are both 'Korea' and the distance difference between the two is within the predetermined distance range, the payment authentication service providing server 400 approves the payment approval request can do.

However, if the distance difference is outside the predetermined distance range (S208: N), the settlement authentication service providing server 400 may disallow the settlement approval request (S206). For example, if the country where the customer's payment is requested and the country where the customer is currently located are both 'Korea', or if the difference in distance between the two is outside the predetermined distance range, the payment authentication service providing server 400 disassociates the payment approval request .

5 is a flowchart illustrating an inquiry procedure for an overseas settlement request according to an exemplary embodiment of the present invention. Referring to FIG. 5, the settlement authentication service providing server 400 may store the settlement approval date information of the customer (S301). Such payment approval date information may be set according to the request of the customer. For example, the payment authentication service providing server 400 may provide a web page for setting a settlement approval date. In this case, the customer accesses the corresponding web page by using the terminal device 100, Can be set. In this case, the storage unit 420 of the payment authentication service providing server 400 may store payment approval date information as shown in Table 2 above.

When the payment approval request for the purchase of the goods is received, the payment authentication service providing server 400 can acquire the payment position information corresponding to the requested position (S302).

Then, the settlement authentication service providing server 400 can determine the country information corresponding to the acquired settlement location information (S303).

If the country is overseas, the payment authentication service providing server 400 may compare the payment request time point of the customer with the payment approval date information to determine whether the payment approval is approved (S304).

Specifically, when the payment request time point of the customer is within the payment approval date (Y in S305), the payment authentication service providing server 400 can approve the payment approval request (S306). Here, the approval may be approval, and then the approval or non-approval determination process described in FIG. 4 may be additionally performed.

However, if the payment request time point of the customer is out of the payment approval date (S305: N), the payment authentication service providing server 400 may disapprove the payment approval request (S307).

6 is a flowchart illustrating an inquiry procedure for an overseas settlement request according to an exemplary embodiment of the present invention. Referring to FIG. 6, the payment authentication service providing server 400 receives the issuing country information about the card of the customer, the country information of the name of the terminal device, and the customer country related information including the country information of the communication carrier for the terminal device Information can be stored (S401). Specifically, the storage unit 420 of the payment authentication service providing server 400 may store the information as shown in Table 2 above.

When the payment approval request for the purchase of goods is received, the payment authentication service providing server 400 can acquire the payment position information corresponding to the requested position (S402).

Then, the settlement authentication service providing server 400 may compare the country information corresponding to the settlement position information and the stored customer country related information (S403).

If the comparison result indicates that the country is matched (Y in S404), the payment authentication service providing server 400 transmits the payment request to the terminal device 100 of the customer A process of determining whether or not to approve the payment approval request described above may be additionally performed (S405). For example, when the customer country related information is 'Korea' and the country information corresponding to the settlement location information is 'Korea', the payment authentication service providing server 400 determines whether or not a payment request is made to the customer's terminal device 100 It may not carry out inquiry inquiry process.

However, if the comparison result indicates that the country does not match (S404: N), the settlement authentication service providing server 400 may transmit a settlement related inquiry to the customer's terminal device 100 to inquire whether or not to request an overseas settlement (S406). For example, if the customer country information is 'Korea' or the country information corresponding to the settlement location information is 'China', the payment authentication service providing server 400 inquires of the customer's terminal device 100 about whether or not to request a payment Can be performed.

In this case, the customer terminal device 100 can display an inquiry screen as shown in Fig. In other words, when the settlement-related inquiry is received from the settlement authentication service providing server 400, the customer terminal device 100 can display an inquiry screen as shown in Fig.

Here, the payment inquiry screen may be a screen for inquiring whether or not to approve a payment request in a country other than the customer's country. The settlement inquiry screen may include a UI area 710 for receiving a response from the customer.

The UI area 710 may include an area 711 for receiving a user command for accepting an overseas settlement, and an area 712 for receiving a user command for disallowing overseas settlement.

On the other hand, if the area 711 is selected in the UI area 710 (that is, if an overseas payment approval response is received from the customer terminal 100) (Y in step S407), the payment authentication service providing server 400 transmits The process of determining whether or not to approve the payment approval request shown in FIGS. 4 to 5 may be additionally performed (S405).

However, if the area 712 is selected in the UI area 710 (that is, if an overseas payment disapproval response is received from the customer terminal 100) (S407: N), the payment authentication service providing server 400 transmits a payment approval The request can be rejected (S408).

According to various embodiments of the present invention, by comparing the requested position of the customer with the current position of the customer and approving the settlement when the user is determined to be in the same position, the customer's card is stolen, lost, It is possible to prevent illegal settlement caused by copying.

In addition, according to various embodiments of the present invention, when an overseas settlement is requested, the inquiry is made to the customer, and the overseas settlement approval date information is received from the customer and stored, To determine whether or not the payment has been approved. It is possible to prevent overseas illegal settlement.

Meanwhile, methods according to various embodiments of the present invention may be implemented in a program code and provided to a server or devices. Accordingly, each of the electronic devices can access the server or the device in which the program is stored, and download the program.

In addition, the methods according to various embodiments of the invention described above may be implemented in program code and stored in various non-transitory computer readable media.

A non-transitory readable medium is a medium that stores data for a short period of time, such as a register, cache, memory, etc., but semi-permanently stores data and is readable by the apparatus. In particular, the various applications or programs described above may be stored on non-volatile readable media such as CD, DVD, hard disk, Blu-ray disk, USB, memory card, ROM,

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes in form and detail may be made therein without departing from the spirit and scope of the present invention.

100: customer terminal 200: merchant
300: Payment relay server 400: Payment authentication service providing server
500: Card issuer server 410:
420: storage unit 430: position information obtaining unit
431: settlement location information acquisition unit 432: customer location information acquisition unit
440:

Claims (14)

A location-based payment authentication service providing method,
Receiving a payment approval request for a merchandise purchase of a customer;
Acquiring settlement location information corresponding to the requested settlement location;
Obtaining current location information of the terminal device provided by the customer; And
And comparing the acquired settlement location information with the acquired current location information to determine whether to approve the settlement approval request. The method according to claim 1,
Wherein the receiving comprises:
When the customer requests payment at an online or offline merchant using the card owned by the customer, receives a payment approval request including the identification information of the merchant,
Wherein the acquiring of the settlement position information comprises:
Detecting location information of the corresponding merchant using the merchant identification information; And
And acquiring the settlement location information based on the detected merchant location information. The method according to claim 1,
The step of determining whether to approve the payment approval request includes:
Determining country information corresponding to the acquired settlement location information and country information corresponding to the acquired current location information;
If the country is determined as a result of the determination, accepting a payment approval request; And
And accepting a settlement approval request when the country is different as a result of the determination. The method of claim 3,
Requesting detailed position information to the terminal device of the customer when the false acceptance of the payment approval request is performed;
Further comprising the step of acquiring detailed position information corresponding to each of the customer terminal devices from the customer's terminal device according to whether the current position of the customer terminal device is indoors or outdoors,
The detailed position information may include,
The position information generated using the first position information generated by the first position determination means used in acquiring the existing position information and the second position information generated by the second position determination means different from the first position determination means The method comprising the steps of: 5. The method of claim 4,
Determining a distance difference between each other using the obtained payment position information and the obtained detailed position information;
Approving a payment approval request when the distance difference is within a predetermined distance range; And
And disapproving a payment approval request when the distance difference is out of a predetermined distance range. The method according to claim 1,
Further comprising the step of storing the overseas settlement approval date information of the customer,
The step of determining whether to approve the payment approval request includes:
Determining country information corresponding to the obtained settlement location information;
And comparing the settlement requesting time of the customer with the settlement approval date information to determine whether to approve the settlement if the country is overseas as a result of the determination. The method according to claim 1,
Storing customer country related information including at least one of issuing country information for the card of the customer, country information of the name of the terminal for the terminal, and country information of the communication carrier for the terminal;
Comparing the country information corresponding to the settlement location information with the stored information when a payment approval request for purchase of the goods is received;
Transmitting a settlement related inquiry to the customer's terminal device when at least one of the stored information and the settlement location information do not match;
Wherein the step of determining whether to approve the payment approval request is performed when an approval response is received from the terminal device with respect to the payment related inquiry. A server for providing a location-based payment authentication service,
A communication unit for receiving a payment approval request for a purchase of a product by a customer;
A location information obtaining unit for obtaining settlement location information corresponding to the requested settlement location and obtaining current location information of the terminal device provided by the customer; And
And a controller for comparing the obtained payment position information with the acquired current position information to determine whether the payment approval request is approved. 9. The method of claim 8,
Wherein,
When the customer requests payment at an online or offline merchant using the card owned by the customer, receives a payment approval request including the identification information of the merchant,
Wherein the position information obtaining unit obtains,
And a payment position information obtaining unit for detecting position information of the corresponding merchant using the merchant identification information and obtaining the payment position information based on the detected merchant position information. 9. The method of claim 8,
Wherein,
Judges country information corresponding to the obtained settlement position information and country information corresponding to the obtained current position information, judges a settlement approval request when the country is determined as a result of the determination, and if the country is different, And disapproves the authorization request. 11. The method of claim 10,
Wherein the position information obtaining unit obtains,
Requesting detailed position information to the terminal device of the customer when the false acceptance of the payment approval request is performed and transmitting the detailed position information corresponding to each of the at least one of the at least one Further comprising: a customer location information obtaining unit to obtain customer location information from a customer's terminal device,
The position information generated using the first position information generated by the first position determination means used in acquiring the existing position information and the second position information generated by the second position determination means different from the first position determination means Lt; / RTI > 12. The method of claim 11,
Wherein,
Determines the distance difference between each other by using the obtained settlement position information and the acquired detailed position information, approves a payment approval request when the distance difference is within a predetermined distance range, If the request is not approved. 9. The method of claim 8,
And a storage unit for storing the overseas settlement approval date information of the customer,
Wherein,
And determines whether or not the payment is approved by comparing the settlement request time of the customer with the settlement approval date information if the country is overseas as a result of the determination, . 9. The method of claim 8,
And a storage unit for storing customer country related information including at least one of issuing country information for the card of the customer, country information of the name of the terminal for the terminal apparatus, and country information of the communication company for the terminal apparatus ,
Wherein,
When the payment approval request for the purchase of goods is received, comparing the country information corresponding to the payment position information and the stored information,
Controlling the communication unit to transmit a settlement related inquiry to the customer's terminal device when at least one of the stored information and the settlement position information do not match,
Wherein the server determines whether to approve the payment approval request when an approval response is received from the terminal device for the payment related inquiry.

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