KR20180129594A - System and method for customer initiated payment transaction using customer's mobile device and card - Google Patents

Abstract

A system for a customer initiated payment includes: a mobile device (20) of a customer; a card of the customer having card information; and an affiliate having affiliate information and payment information. The mobile device (20) is operative to process a card payment by the steps of: receiving the affiliate information and the payment information by the mobile device (20); activating the mobile device (20) for processing the card payment by the card; creating a payment authorization request using the card information, the affiliate information, and the payment information, and sending the payment authorization request to an acquirer by the mobile device (20); and receiving a result of the payment authorization request from the acquirer by the mobile device (20).

Description

TECHNICAL FIELD [0001] The present invention relates to a customer-initiated payment system and method using a customer's mobile device and a card,

The present application is related to U.S. Patent Application Serial Nos. 15 / 605,808 entitled " Method of Activating a Multifunction Device Card ", filed May 25, 2017; And U.S. Patent Application No. 15 / 665,333, filed on July 31, 2017, filed on August 16, 2017, which is a continuation-in-part of U.S. Patent Application No. 15 / 665,333, entitled "System and Method for Integrated Management of Loyalty Points" 15 / 679,072, the disclosures of which are incorporated herein by reference.

The present invention relates to a customer-initiated payment system and method using a customer's mobile device and card, and more particularly, to a card-payment system and method initiated by a customer on behalf of an affiliate using a customer's mobile device . The card may be a credit / debit card, a point card, a multifunctional device (MFD) card or a short range communication (NFC) card, and the mobile device may communicate with the card via short- do.

Payment cards (hereinafter "cards" or "cards") are widely used by millions of people around the world to facilitate payment by electronic funds transfer. The payment card may be a credit card, a debit card, a point card, a multi-function device (MFD) card, a local area communication (NFC) card, or the like. Consumers can pay using their cards to purchase products or services from affiliates. In the typical case of purchasing at an affiliate's physical location as shown in FIGS. 1 and 2, the customer must present his card to a point of sale (POS) terminal located at the affiliate's business location. The card is inserted or read through the POS terminal. Optionally, necessary card information is entered, or the POS terminal accepts the close range contactless transaction, and the card information is stored in the POS terminal. Once the card information is received and stored, the POS terminal sends it to the Acquirer for approval of the transaction, along with affiliate information such as an affiliate (Merchant) code and transaction information such as payment amount and currency. The POS terminal transmits this information to the buyer via the wired or wireless Internet or a standard telephone line. The purchaser communicates with the issuer as part of the approval process, where the issuer is the issuer of the card to the customer.

Here, buyers are generally businesses like banks that have existing business relationships with affiliates. Issuers are businesses, such as banks, that issue cards to consumers in general. Acceptance of a payment transaction or its clearance and settlement may involve communication between the acquirer and the issuer. The buyer and / or issuer either approves or rejects the payment, and sends the decision back to the POS terminal.

However, since the card information of the customer is transmitted to the POS terminal of the affiliate, there is a risk that the customer's card information is stolen. Also, if an affiliate does not have a POS terminal or the POS terminal is not working, the customer can not pay using his / her card.

Mobile devices such as cellular phones, mobile phones, smart phones, tablet computing devices, personal digital assistants (PDAs), etc. are becoming popular and widely used as payment devices. Mobile devices generally allow a device owner to pay for an affiliate's product or service. The mobile device may be linked to the payment account of the device owner, or the device information of the device owner may be stored on the mobile device.

However, if a mobile device is stolen, a mobile device user can access the device owner's billing account or card information and can make payments without authorization from the device owner.

Many new payment systems have been introduced. These systems typically use a server or management system to manage new payment processes and databases. Most systems, however, change the existing payment system significantly, making implementation costs expensive and impractical.

Therefore, in order to overcome these problems and disadvantages, there is a need for a customer-initiated payment system and method using a customer's mobile device and card. The present invention addresses the above problems and meets long-time needs.

The present invention is designed to solve the problems and disadvantages of the prior art by providing a customer-initiated payment system and method using a customer's mobile device and card.

It is an object of the present invention to provide a customer-initiated payment system including a customer's mobile device, a card of a customer having card information, and an affiliate having affiliate information and payment information. The card may be a credit card, a debit card, a point card, a multifunctional device (MFD) card, a short distance communication (NFC) card, Values, passwords, and the like. The affiliate information may include an affiliate code assigned to an affiliate for a card transaction with the purchaser, a POS terminal parameter, and the payment information may include a payment amount of the goods or services provided to the customer, currency, transaction ID, .

The mobile device comprising: the mobile device receiving the affiliate information and the payment information; Activating the card to process the payment by the card; Generating a payment approval request using the card information, the affiliate information, and the payment information, and transmitting the payment approval request to the purchaser; And receiving a result of a payment approval request from an acquirer; Lt; RTI ID = 0.0 > payment < / RTI >

Advantageously, said card is a short range communication (NFC) card with a multifunctional device (MFD) card or an antenna for short range communication (NFC), said mobile device comprising an NFC sensor. The mobile device is activated to process card payment through NFC between the card and the mobile device, and the mobile device receives card information from the card through the NFC between the card and the mobile device.

The card number or card information is not stored in the mobile device until the step of the mobile device is activated. In addition, the steps include the step of the mobile device deleting the card number or the card information after transmitting the payment approval request to the acquirer.

By tapping the mobile device to an NFC tag of an affiliate that stores the affiliate information by wireless communication from the affiliate company, the mobile device can display the affiliate information or the payment Information is received. The affiliate company can generate a QR code or bar code for affiliate information or payment information and transmit the generated QR code or bar code to the mobile device.

Alternatively, the system may use a server having a database storing affiliate information. The mobile device may obtain geographical location data of the affiliate using the global positioning sensor of the mobile device and may transmit the geographical location data to the server and in response the server may transmit the affiliate information corresponding to the geographical location data Retrieve and retrieve affiliate information, and transmit the affiliate information to the mobile device.

It is yet another object of the present invention to provide a customer initiated payment system in which a customer pays with their integrated loyalty point. The system comprises: a customer's card having information about the customer's mobile device, integrated loyalty points; And an affiliate who agrees to receive an integrated loyalty point as a payment method. Information about the integrated loyalty points includes the customer identification and the amount of the integrated loyalty points owned by the customer.

The mobile device comprising: the mobile device receiving the affiliate information and the payment information; Activating to process payment by the card; Generating a payment approval request using information on the integrated loyalty point, affiliate information, and payment information, and transmitting a payment approval request to the acquirer for the integrated loyalty point; And receiving the result of the payment authorization request from the acquirer, thereby processing the payment using the customer's integrated loyalty point.

Preferably, the information regarding the integrated loyalty point is not stored in the mobile device prior to the step of activating the mobile device. In addition, the steps further include the step of the mobile device deleting information about the integrated loyalty point after sending the payment approval request to the acquirer.

Another object of the present invention is to provide a customer-initiated payment method using a customer's card. The method comprising: receiving, by the mobile device of the customer, the affiliate information and the payment information; Activating to process a payment of a card by the customer's card; Generating a payment approval request using the card information, affiliate information, and payment information, and transmitting the payment approval request to the purchaser; And receiving a result of a payment approval request from an acquirer; . The method further includes deleting the card information after the mobile device transmits the payment approval request to the acquirer.

It is yet another object of the present invention to provide a customer-initiated payment method using an integrated loyalty point of a customer stored in a customer's card. The method comprising: receiving, by the mobile device of the customer, the affiliate information and the payment information; Activating to process payment settlement by a card; Generating a payment approval request using information on the integrated loyalty point, affiliate information, and payment information, and transmitting a payment approval request to the acquirer for the integrated loyalty point; And receiving a result of a payment approval request from an acquirer; . The method further includes deleting information about the integrated loyalty point after the mobile device sends the payment approval request to the acquirer.

Advantages of the present invention are: (1) payment by the customer is possible even without a POS terminal of the affiliate or the POS terminal does not operate; (2) important customer card information does not need to be sent to the affiliate; (3) It requires both the customer's mobile device and the card in payment, and the mobile device does not store the card information, thereby enhancing security; (4) the affiliate does not have to pay expensive card processing fees and simplifies the payment process; (5) The system of the present invention can eliminate the need for affiliate POS terminals; (6) Various cards such as debit / credit cards or loyalty point cards may be used as payment means; (7) The system of the present invention uses existing pre-existing systems and does not significantly alter such existing systems, and is easy to implement, efficient and cost-effective; (8) The system of the present invention has an impact on existing payment processes and infrastructure such as "Europay" (trademark), "Mastercard" (trademark) and "Visa" (trademark, Minimize; (9) Since the customer's mobile device acts as the POS terminal of the affiliate, it is not necessary to disclose the customer's card information to the affiliate; (10) Under the system of the present invention, in order to make payment of a card, a customer needs both his / her card and a mobile device, and does not store card information except when the mobile device processes a payment request, Improved security; (11) The system of the present invention can improve security even more when the card is an MDF or NFC card, even if the card is lost or stolen, since it can not be used without being activated by the mobile device.

Although the present invention has been briefly summarized, a more complete understanding of the present invention may be obtained by the following drawings, detailed description and appended claims.

These and other features, aspects and advantages of the present invention will become better understood with reference to the accompanying drawings.
1 is a schematic diagram of a conventional card payment settlement.
2 is another schematic diagram of a conventional card payment settlement.
FIG. 3 is a schematic diagram of card payment using a mobile device and a card of a customer according to the present invention.
4 is another schematic diagram of card payment using a mobile device and a card of a customer according to the present invention.
FIG. 5 is another schematic diagram of card payment using a mobile device and a card of a customer according to the present invention.
FIG. 6 illustrates a communication method between a card and a mobile device for card payment according to the present invention.
FIG. 7 illustrates a communication method between a card for payment of a card and an affiliate or affiliate POS terminal according to the present invention.
Figure 8 illustrates the communication between a customer's mobile device and a POS terminal of a card, an affiliate, or an affiliate according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, which form a part of the present invention. It is to be understood that the invention is not limited to the specific devices, methods, conditions or parameters set forth and / or illustrated herein, and the terminology used herein is for the purpose of describing particular embodiments only as examples, It should be understood that it is not intended.

Also, as used in the specification including the appended claims, the singular forms "a," "an," and "the" Reference includes at least that particular value unless the context clearly indicates otherwise. Ranges may be expressed herein as from " about " or " approximately " to one particular value and / or " about " When such a range is expressed, other embodiments include from one particular value and / or to another specific value. Similarly, when values are expressed as approximations using the word " about ", it will be understood that the particular value forms another embodiment.

1 and 2 illustrate an exemplary embodiment of the present invention that may be used in conjunction with a wireless card such as a credit card / debit card, a point card, a loyalty point card, a multipurpose device (MFD) card, a short range communication (NFC) card, And the POS terminal 35 of the partner company.

A consumer may use the card 10 to make a payment to purchase a product or service from an affiliate. The customer presents his or her card 10 to the POS terminal 35 located at the affiliated company's business place 30. The card 10 is inserted or swiped through the POS terminal 35. Alternatively, the requested card information may be entered, or the POS terminal 35 may accept the close range communication non-contact transaction from the card 10. [ Then, the card information is stored in the POS terminal. Once the card information is received and stored, the POS terminal 35 sends it to the acquirer 40 for approval of the transaction, along with affiliate information such as affiliate code and transaction information such as payment amount and currency. An affiliate code is an identifier assigned to an affiliate for a card transaction. The POS terminal 35 transmits this information to the acquirer 40 via the wired or wireless Internet or a standard telephone line. The acquirer 40 communicates with the issuer 50 as part of the approval process, at which time the issuer 50 issues the card 10 to the consumer.

Here, the acquirer 40 is generally a business such as a commercial bank having an existing business relationship with an affiliate, and the issuer 50 is generally a business such as a bank issuing the card 10 to a consumer. Approval of payment settlement or their clearance and settlement may involve communication between the acquirer 40 and the issuer 50. The buyer and / or the issuer approves or rejects the payment settlement, and sends the decision back to the POS terminal 35. [

Figures 3, 4 and 5 also illustrate a system for a customer initiated payment system using a customer card 10 and a mobile device 20 in accordance with the present invention.

The customer initiated payment system comprises a customer's mobile device (20); A card 10 of a customer having card information; Affiliate information having affiliate information and payment information. The affiliate information may include an affiliate code and an affiliate's POS or other terminal parameters, and the payment information includes a payment amount, a currency or a transaction number the customer has to pay to purchase the affiliate's goods or services.

The mobile device 10 may be a cellular phone, a mobile phone, a smart phone, a tablet computing device, a personal digital assistant (PDA), or the like. Here, the mobile device 10 also includes an application installed therein to implement the system of the present invention.

The acquirer 40 communicates with the issuer 60 as part of the approval process and the issuer 60 issues the card 10 to the consumer. Here, the acquirer 40 is generally a business like a commercial bank having an existing business relationship with an affiliate, and the issuer 60 is generally a business such as a bank issuing the card 10 to the consumer. The approval of payment settlements or their clearance and settlement may involve communication between the acquirer 40 and the issuer 60. The acquirer 40 and / or the issuer 60 approves or rejects the payment settlement, and sends the determination back to the mobile device 20. As in FIG. 4, the system may further include a payment gateway 60.

The mobile device (20) comprises: the mobile device (20) receiving affiliate information and payment information; Activated by the card (10) to process card payment; Generating a payment approval request using the card information, the affiliate information, and the payment information, and transmitting the payment approval request to the acquirer 40; And a result of the payment approval request from the acquirer 40. [

Here, the step of activating the mobile device 20 includes not only the activation for processing the payment of the card payment, but also the approval of the card usage by the mobile device. This activation, including authentication, can be accomplished in the following different ways: NFC or Bluetooth (trademark) communication between the card and the mobile device, typing of card information to the mobile device 20, and so on. Such activation may further include such things as password typing or fingerprint matching.

Also, the step of activating the mobile device 20 may be performed before the mobile device 20 receives the affiliate information and payment information.

The result of the payment authorization request may be an approval or denial of card payment, and such results may be transmitted to the mobile device and displayed.

6 shows the communication between the customer's card 10 and the customer's mobile device 20. [ Such communication is preferably via Bluetooth (trademark) or short range communication. Or the card information may be input to the mobile device 20. [

Preferably, the card 10 may be a multi-function device (MFD) card or a near field communication (NFC) card with an NFC antenna and the mobile device 20 may include an NFC sensor. The NFC card may have a dual interface or may be a contactless card. The mobile device 20 can be activated to process the payment of the card through the NFC between the card 10 and the mobile device 20 and the mobile device 20 can activate the card information through the NFC between the card and the mobile device It is possible to receive it from the card 10. That is, by lightly tapping the card 10 with the mobile device 20, the mobile device 20 is activated for card payment processing and receives the card information.

Card 10 may be an MFD card that stores information about a plurality of different cards and a customer may use the MFD card to select a card to be used for card payment settlement from a list of a plurality of different cards. Alternatively, the card 10 may be an MFD card that stores information about a plurality of different cards, and a customer may use the mobile device to select a card to be used for card payment settlement from a list of a plurality of different cards. In other words, the MFD card can store multiple debit / credit cards and / or point cards together, and the user can select a card to be used as a payment means. The MFD card may have a display on which the user can select a card from the card list displayed on the MFD card. Alternatively, this list may be sent to the mobile device 20 and displayed on the screen of the mobile device 20, allowing the user to select a card from the list.

The steps may further comprise activating the card 10, such as an MFD card or an NFC card, via NFC or Bluetooth light energy (BLE) communication between the mobile device 20 and the card 10. In the case of BLE communication, the card may have a BLE chip and the mobile device 20 may have a BLE antenna. When activated, the card can be used for payment. U.S. Patent Application No. 15 / 605,808 entitled " Multifunction Device Card Activation Method " discloses a method for activating an MFD card using a mobile device, the disclosure of which is incorporated herein by reference in its entirety .

Activating the card 10 may be performed before the mobile device 20 receives the affiliate information and payment information.

A method of activating the MFD card (10) by the mobile device (20). Switching on an NFC chip of the mobile device (20) so that the mobile device (20) can be wirelessly connected to the MFD card (10) through an NFC network; It is possible to transmit an NFC signal from the mobile device 20 to the MFD card 10 in order to enable electromagnetic induction from the NFC antenna of the MFD card, Searching for a mobile device (20) within the mobile device (20); Launching the pre-loaded application on the mobile device 20 to initiate the MFD card activation if the MFD card 10 is found over the NFC network; When initiating the preloaded application to initiate an MFD card activation in the mobile device 20, the mobile device 20 may initiate a preloaded application by using the WPAN antenna of the MFD card 10 and the WPAN chip to a wireless Personal Area Network (WPAN) Connecting the mobile device (20) to the MFD card (10); Mutually authenticating the MFD card (10) and the mobile device (20) through the WPAN in a predetermined manner by the application; Completing the activation of the MFD card 10 if the MFD card 10 is authenticated; . Advantageously, the WPAN connection is a Bluetooth low energy (BLE) connection enabled by the BLE chip of the mobile device 20 and the corresponding BLE antenna and the BLE chip and BLE antenna of the MFD card 10. Since the card 10 is activated by the mobile device 20, even if it is lost, it can not be used for payment without the mobile device 20. [

The step of activating the mobile device 20 includes transmitting the chip serial number or the card serial number of the card 10 from the card 10 to the mobile device 20 and the transmitted chip serial number or transmitted serial number The mobile device 20 is activated in order to process the card payment, if or when the card serial number matches the chip serial number or the card serial number stored in the mobile device 20. [

The steps may further include the step of the mobile device receiving the card information. The card information may be received via NFC or Bluetooth communication or may be typed into the mobile device 20.

For security reasons, the card number or card information is not stored in the mobile device 20 prior to the step of activating the mobile device 20. The steps further include the step of deleting the card information after the mobile device 20 transmits a payment approval request to the acquirer 40. [

The above steps may further comprise the step of the mobile device 20 generating and sending a settlement and settlement request to the acquirer 40. [ That is, the mobile device 20 sends two requests, a payment approval request and a settlement and settlement request. With these two separate requests, customers can more effectively control the affiliate's goods or services production.

Fig. 7 shows the communication between the mobile device 20 and the affiliate 30 or the POS terminal 35. Fig.

The mobile device (20) taps a mobile device to an NFC tag or an RFID tag of an affiliate that stores the affiliate information by wireless communication from the affiliate, whereby the mobile device (20) 20), the affiliate information can be received from the affiliate company by typing the affiliate information. Also, SMS, beacon, and infrared communication may be used. Alternatively, the affiliate may use a QR code or bar code to store or transmit affiliate information.

In an alternate embodiment, the system may further comprise a server having a database storing affiliate information. The mobile device 20 may obtain geographical location data of the affiliate using the global positioning sensor (GPS) of the mobile device 20 and may transmit the geographical location data to the server, It is possible to retrieve and retrieve the affiliate information corresponding to the geographical position data and to transmit the affiliate information to the mobile device 20. [

In one embodiment, the system may utilize a proprietary portal database to retrieve affiliate information. The customer can, for example, use the GPS location of the affiliate's business location to search for more affiliate information using the dedicated system. The database may be updated from information collected from participating users. The mobile device 20 may transmit the GPS location of the affiliate and receive the affiliate information from the dedicated affiliate information providing system or the mobile device 20 may send the GPS location or affiliate ID to the dedicated affiliate information providing system And the dedicated affiliate information providing system may transmit the affiliate information to the mobile device 20 again.

In addition, the mobile device 20 may be configured to perform the wireless communication by tapping the mobile device to an NFC tag or an RFID tag of an affiliate storing the affiliate information by wireless communication from the affiliate, By typing the payment information in the mobile device 20, the payment information can be received from the affiliate company. Also, SMS, beacon, and infrared communication may be used. Alternatively, the affiliate may use a QR code or bar code to store or transmit payment information.

The above steps may further include the step of the acquirer 40 transmitting the result of the payment approval request to the affiliate through a short message service (SMS), an e-mail, a push message to the affiliate terminal, or the like.

As shown in FIG. 8, the mobile device 20 communicates with the POS terminal of the card 10, the affiliate company 30, or an affiliate to perform the role of the customer's own POS terminal.

Figures 3, 4 and 5 also illustrate a system for a customer initiated payment system using a customer card 10 and a mobile device 20 in accordance with the present invention. The card 10 may be a debit / credit card, but it may also be a point card. United States Patent Application No. 15 / 679,072 entitled " Integrated Management System and Method of Loyalty Points " discloses a method for converting a non-integrated loyalty point to an integrated loyalty point, Which is hereby incorporated by reference in its entirety.

A customer-initiated payment system according to the present invention includes a customer's mobile device (20); A customer's card 10 having information about an integrated loyalty point; And an affiliate who agrees to receive an integrated loyalty point as a payment method; . The affiliate has affiliate information and payment information, and the information about the integrated loyalty point includes the customer ID and the amount of the integrated loyalty point owned by the customer. The affiliate information includes the affiliate code, and the payment information includes the payment amount.

The mobile device (20) includes a step in which the mobile device (20) receives affiliate information and payment information from, for example, an affiliate company; Activated by the card (10) to process payment settlement; Generating a payment approval request using information about the integrated loyalty point, affiliate information, and payment information, and sending a payment approval request for the integrated loyalty point to the acquirer 40; And a result of the payment approval request from the acquirer (40); To thereby process the payment settlement using the customer ' s integrated loyalty point.

The system may further include an integrated management server for managing integrated loyalty points.

Advantageously, the card 10 may be a short range communication (NFC) card with a multifunctional device (MFD) card or an antenna for short range communication (NFC), the mobile device 20 comprising an NFC sensor . The mobile device 20 can be activated to process the payment settlement through the NFC between the card 10 and the mobile device 20 and the mobile device 20 can be activated between the card 10 and the mobile device 20 The information about the integrated loyalty point can be received from the card 10 via the NFC of FIG.

For better security, the information about the integrated loyalty point may not be stored in the mobile device 20 before the step of activating the mobile device 20. In addition, the steps may further comprise the step of the mobile device 20 deleting information regarding the integrated loyalty point after sending the payment approval request to the acquirer 40.

The mobile device 20 may be connected to the mobile device 20 by tapping the mobile device to an NFC tag of an affiliate storing the affiliate information by wireless communication from the affiliate company, The partner information and the payment information from the affiliate company by typing the payment information in the affiliate information. Also, SMS, beacon, and infrared communication may be used. Alternatively, the affiliate may use a QR code or bar code to store or transmit the affiliate or payment information.

The above steps may further include the step of the acquirer 40 transmitting the result of the payment approval request to the affiliate through SMS, e-mail, push message to the affiliate terminal, or the like.

In another embodiment, a customer initiated payment method using a customer's card 10 is disclosed. The method includes the steps of the customer's mobile device 20 receiving affiliate information and payment information from, for example, an affiliate; Activated by the customer card (10) to process payment of a card; Generating a payment approval request using the card information, affiliate information, and payment information, and transmitting a payment approval request to the acquirer 40; Receiving a result of the payment approval request from the acquirer 40; . The method further includes the step of the mobile device deleting the card information after transmitting the payment approval request to the acquirer 40. [

In another embodiment, a customer initiated payment method using a customer's integrated loyalty point stored in a customer's card 10 is disclosed. The method includes the steps of the customer's mobile device 20 receiving affiliate information and payment information from, for example, an affiliate; Activating to process payment settlement by the customer card (10); Generating a payment approval request using information on the integrated loyalty point, affiliate information, and payment information, and transmitting a payment approval request to the acquirer 40 for the integrated loyalty point; Receiving a result of the payment approval request from the acquirer 40; . The method further includes the step of the mobile device deleting information regarding the integrated loyalty point after transmitting the payment approval request to the acquirer 40. [

Under typical purchasing conditions using the system of the present invention, the customer enters into the business place of the affiliate and purchases the goods or services of the affiliate. The customer's mobile device 20 receives affiliate information and payment information. The customer can activate his MFD card or NFC card 10 via BLE or NFC by tapping it to his mobile device 20 and then the customer can activate his or her MFD card or NFC card 10 via the screen of the mobile device 20. [ , You can choose between the stored payment methods - credit / debit card or (integrated or non-integrated royalties) point card. After that, the mobile device 20 generates a payment approval request and transmits it to the buyer, after which the buyer returns the authentication result to the mobile device 20 and the affiliate.

The system of the present invention may additionally be used for escrow situations. The customer can split the payment process into two parts: sending a payment approval request to the buyer, and sending a settlement and settlement request to the buyer. Between the two steps, the customer can monitor and confirm whether the affiliate fulfills a particular requirement or obligation.

While the invention has been illustrated and described with reference to the various embodiments thereof, those skilled in the art will appreciate that variations in form, detail, construction and operation do not depart from the spirit and scope of the invention as defined by the appended claims As will be understood by those skilled in the art.

10: card 20: mobile device
30: Merchant business 35: Point-Of-Sale (POS) terminal
40: Acquirier 50: Issuer
60: PG (Payment Gateway)

Claims (20)

Your mobile device;
A card of a customer having card information; And
Affiliates with affiliate information and payment information;
A customer-initiated payment system comprising:
Wherein the affiliate information includes payment information including an affiliate code and a payment amount,
The mobile device comprising: the mobile device receiving the affiliate information and the payment information; Activating the card to process the payment by the card; Generating a payment approval request using the card information, the affiliate information, and the payment information, and transmitting the payment approval request to the purchaser; And receiving a result of a payment approval request from the acquirer; , The method being operable to process a card payment settlement by the steps of: a. The method according to claim 1,
Wherein the card is a short range communication (NFC) card having a multifunction device (MFD) card or an antenna for local area communication (NFC), the mobile device comprising an NFC sensor,
Wherein the mobile device is activated to process card payment via NFC between the card and the mobile device and the mobile device receives card information from the card via NFC between the card and the mobile device. Initiation payment system. 3. The method of claim 2,
Wherein the card is an MFD card that stores information about a plurality of different cards and wherein the customer can use the MFD card to select a card to be used for card payment settlement from a list of a plurality of different cards Customer initiated payment payment system. 3. The method of claim 2,
Wherein the card is an MFD card that stores information about a plurality of different cards and wherein the customer can use the mobile device to select a card to be used for card payment settlement from a list of a plurality of different cards Customer initiated payment payment system. 3. The method of claim 2,
Activating the card through NFC or Bluetooth light energy (BLE) communication between the mobile device and the card;
Further comprising: a customer initiated payment system. The method according to claim 1,
Wherein activating the mobile device comprises transmitting a chip serial number or card serial number of the card from the card to the mobile device,
Characterized in that the mobile device is activated to process card payment when the transmitted chip serial number or transmitted card serial number matches the chip serial number or card serial number stored in the mobile device system. The method according to claim 1,
Wherein the steps further comprise the step of the mobile device receiving the card information. The method according to claim 1,
Wherein the card information includes a card number and the card number is not stored in the mobile device prior to the step of activating the mobile device. 9. The method of claim 8,
Wherein the steps further comprise the step of deleting the card information after the mobile device sends a payment approval request to the buyer. The method according to claim 1,
Wherein the steps further comprise the step of the mobile device generating a clearance and settlement request and transmitting the clearance and settlement request to the buyer. The method according to claim 1,
The mobile device includes:
By wireless communication from said affiliate;
By tapping the mobile device to an NFC tag or an RFID tag of an affiliate storing the affiliate information, or
By typing the affiliate information into the mobile device,
And receives the affiliate information from the affiliate company. The method according to claim 1,
Further comprising a server having a database storing affiliate information,
The mobile device obtains geographical location data of the affiliate using the global positioning sensor of the mobile device and transmits geographical location data to the server, and in response, the server retrieves affiliate information corresponding to the geographical location data And transmits the affiliate information to the mobile device. The method according to claim 1,
The mobile device includes:
By wireless communication from said affiliate;
By tapping the mobile device into an NFC tag or an RFID tag of an affiliate that stores the payment information, or
By typing the payment information in the mobile device,
And receives the payment information. The method according to claim 1,
Further comprising the step of the buyer transmitting the result of the payment approval request to the affiliate. Your mobile device;
A customer's card with information about the integrated loyalty point; And
An affiliate who agrees to receive an integrated loyalty point as a payment method;
A customer-initiated payment system comprising:
The affiliate company has affiliate information and payment information,
The information about the integrated loyalty point includes a customer identifier and an integrated loyalty point amount that the customer requires,
Wherein the affiliate information includes payment information including an affiliate code and a payment amount,
The mobile device comprising: the mobile device receiving the affiliate information and the payment information; Activating the card to process the payment by the card; Generating a payment approval request using the information on the integrated loyalty point, the affiliate information and the payment information, and transmitting the payment approval request to the buyer for the integrated loyalty point; And receiving a result of a payment approval request from the acquirer; Wherein the customer is able to process the payment using the integrated loyalty point of the customer by means of the steps of. 16. The method of claim 15,
Wherein the card is a short range communication (NFC) card having a multifunction device (MFD) card or an antenna for local area communication (NFC), the mobile device comprising an NFC sensor,
The mobile device is activated to process payment through NFC between the card and the mobile device, and the mobile device receives information about the integrated loyalty point from the card via NFC between the card and the mobile device Features a customer-initiated payment system. 16. The method of claim 15,
Wherein the information about the integrated loyalty point is not stored in the mobile device prior to the step of activating the mobile device. 18. The method of claim 17,
Wherein the steps further comprise the step of deleting information regarding the integrated loyalty point after the mobile device sends a payment approval request to the buyer. 16. The method of claim 15,
The mobile device includes:
By wireless communication from said affiliate;
By tapping the mobile device to an NFC tag or an RFID tag of an affiliate storing the affiliate information, or
By typing the affiliate information into the mobile device,
Said affiliate information, and said payment information. 16. The method of claim 15,
Wherein the steps further comprise the step of the buyer sending the result of a payment authorization request to the affiliate.

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