KR20200112565A - Credit card payment method, and mobile terminal device, manager terminal device and approval relay server for performing the method - Google Patents

Abstract

The present invention relates to a credit card payment method and a mobile terminal device and an approval relay server performing the method. The mobile terminal device includes: a communication unit including a short-distance communication module supporting short-distance communication and a long-distance communication module supporting long-distance communication; a storage unit storing credit card information; and a control unit implemented by a processor, controlling the communication unit, and controlling product/service-related credit card payment operation. The short-distance communication module receives a wireless signal from a manager terminal device in a place where the product/service is provided. The control unit identifies the place by using the wireless signal and generates payment approval request information including the place identification information, credit card information for product/service payment, product/service payment amount information, and product/service installment period information. The communication unit transmits the payment approval request information to the approval relay server and receives approval completion information as a response to the payment approval request information from the approval relay server. The approval relay server transmits the payment approval request information to an approval server of a credit card company, receives the approval completion information from the approval server, and transmits it to the communication unit.

Description

Credit card payment method, and mobile terminal device, manager terminal device, manager terminal device and approval relay server for performing the method.

Embodiments of the present invention relate to a credit card payment method capable of improving integrity, reliability, and convenience in payment of a credit card, and a mobile terminal device, an administrator terminal device, and an approval relay server that perform the same.

As the technology of smartphones develops, users can perform credit card payments using smartphones. As an example, a user stores credit card information in a smartphone in advance, and transmits credit card information to a credit card terminal inside a store using NFC (Near Field Communication), thereby making payment for goods/services Done. In other words, the existing credit card payment method using a smartphone in an offline store is to enter the necessary information for payment into a credit card terminal such as CAT (Credit Authorization Terminal) or POS (Point of Sales) terminal, and then use the smartphone as a credit card terminal. When the credit card information is transmitted in proximity to, the credit card terminal transmits a payment request to an approval server of a value added network (VAN) company.

However, in the case of the prior art, even if a credit card payment is performed using a smartphone, the credit card information may remain in the credit card terminal inside the store, which causes anxiety about the leakage of personal information of the user. .

And, in the case of a payment method using a conventional QR code, when a QR code is generated in a credit card terminal, the time required for the user to run the payment application and take a picture with a camera is relatively long, and there are many steps to process the payment. There is a discomfort to lose.

In addition, in the case of conventional offline payment methods, there is an inconvenience in that a user must present a payment method such as an IC card or a smart phone with an NFC function to the cashier or photograph a QR code in proximity to the credit card terminal.

In order to solve the problems of the prior art as described above, in the present invention, a credit card payment method capable of improving integrity, reliability and convenience when paying a credit card, a mobile terminal device, a manager terminal device, and approval I would like to propose a relay server.

In addition, the present invention is a credit card payment method that prevents the user's credit card information from being stored in a credit card terminal inside a store, even if a credit card payment is performed using a smartphone, and a mobile terminal device and approval for performing the same. I would like to propose a relay server.

In addition, the present invention improves the fact that the payment step is relatively long and complicated, such as taking a picture with a camera by running a dedicated application for the payment method using the existing QR code, and confirming the message received from the manager terminal device. Another purpose is to make payments simple and easy.

Other objects of the present invention may be derived by those skilled in the art through the following examples.

According to a preferred embodiment of the present invention in order to achieve the above object, a communication unit including a short-range communication module supporting short-range communication and a long-distance communication module supporting long-distance communication; A storage unit for storing credit card information; And a control unit that is implemented by a processor, controls the communication unit, and controls a credit card payment operation for a product/service, wherein the short-range communication module is a manager terminal device present in a place providing the product/service. And the control unit identifies the place by using the wireless signal, the identification information of the place, information of the credit card for payment of the product or service, and payment amount information of the product/service Generates payment approval request information including installment period information of the product/service, and the communication unit transmits the payment approval request information to the approval relay server, and approves payment completion information that is a response to the payment approval request information. Receiving from a relay server, wherein the approval relay server transmits the payment approval request information to an approval server of a credit card company, receives the payment completion information from the approval server, and transmits the payment completion information to the communication unit. Is provided.

The manager terminal device may be a mobile terminal device of a manager managing the place or a POS device capable of transmitting the wireless signal, and the wireless signal may include a unique identification code of the manager terminal device.

In the approval relay server, matching information between the identification information of the place and the unique identification code of the manager terminal device is stored in advance, and the communication unit transmits the unique identification code in the received radio signal to the authorization relay server, and the The approval relay server transmits the identification information of the place to the communication unit based on the matching information, and the control unit may identify the place by using the identification information of the place transmitted from the approval relay server.

The communication unit receives at least one of point information of the credit card to be paid, point information of the place, coupon information, and discount event information from the approval relay server, and the control unit receives information received from the approval relay server. Based on at least one of the above, information on a payment amount of the product or service and information on an installment period of the product/service may be generated.

The control unit may control the communication unit to perform payment approval authentication through password authentication or biometric authentication, and to transmit the payment approval request information for which the payment approval authentication is completed to the approval relay server.

The controller may control the communication unit to transmit the received payment completion information to the manager terminal device.

The place may include a store of fixed goods/services and means for providing a moving transport service.

In addition, according to another embodiment of the present invention, in the approval relay server for relaying credit card payment, the communication with the user mobile terminal device and the credit card company's authorization server existing in the place where the product/service is provided. Communication department; And a control unit for controlling the communication unit; wherein the communication unit receives payment approval request information from the user mobile terminal device, transmits the payment approval request information to the approval server, and requests the payment approval from the approval server. Receiving payment completion information corresponding to the information, and transmitting the payment completion information to the user mobile terminal device, wherein the user mobile terminal device receives a radio signal from a manager terminal device existing in the place, and receives the radio signal. The payment including identification information of the place, information of the credit card for payment of the product or service, information on the amount of payment for the product or service, and information on the installment period of the product/service There is provided an approval relay server, characterized in that generating approval request information.

In addition, according to another embodiment of the present invention, there is provided a manager terminal device located in a place providing goods/services, comprising: a communication unit including a short-range communication module supporting short-range communication and a long-distance communication module supporting long-distance communication; A storage unit for storing the unique identification code of the terminal device; And a control unit implemented by a processor, controlling the communication unit, and controlling an operation related to credit card payment for goods/services; wherein the communication unit broadcasts a radio signal including the unique identification code at the place. Method, and receives information on the reception strength of the radio signal and identification information of the mobile terminal device from each of the plurality of mobile terminal devices, and the control unit receives information on the reception intensity of the received radio signal and identification of the mobile terminal device. A map representing the distribution of a plurality of mobile terminal devices located in the place is generated using information and displayed to the manager, and the amount of payment for goods/services to one mobile terminal device selected from the manager among the plurality of mobile terminal devices There is provided a terminal device characterized in that it transmits the information and the installment period information.

In addition, according to another embodiment of the present invention, in a credit card payment method performed in a user mobile terminal device, an approval relay server, and an approval server of a credit card company, the user mobile terminal device provides the product/service. Receiving a radio signal from an administrator terminal device existing in the location; The user mobile terminal device identifies the place using the wireless signal, and identifies the place, information of the credit card for payment of the product or service, information on the amount of payment of the product or service, and /Service installment period information Generating payment approval request information including; Transmitting, by the user mobile terminal device, the payment approval request information to the approval relay server; Transmitting, by the approval relay server, the payment approval request information to the approval server; Generating, by the approval server, payment completion information that is a response to the payment approval request information; And transmitting, by the authorization server, the payment completion information to at least one of the authorization relay server and the manager terminal device.

According to the present invention, there is an advantage of improving integrity, reliability and convenience when paying by credit card.

In addition, according to the present invention, even if a credit card payment is performed using a smart phone, the user's credit card information is not stored in a credit card terminal inside a store, thereby reducing the user's anxiety.

In addition, in the present invention, when paying for goods/services at a store, even if you do not have a credit card, you can pay by using the card information stored in the mobile terminal, and even in the payment process, the payment application is executed and photographed with a camera. There is an advantage that it can be easily executed without any such procedure.

In addition, the effects of the present invention are not limited to the above effects, and should be understood to include all effects that can be deduced from the configuration of the invention described in the detailed description or claims of the present invention.

1 is a diagram showing a schematic configuration of a credit card payment system according to an embodiment of the present invention.
2 is a diagram showing a schematic configuration of a user mobile terminal device according to an embodiment of the present invention.
3 is a diagram showing a schematic configuration of an administrator terminal device according to an embodiment of the present invention.
4 is a diagram showing a schematic configuration of an approval relay server according to an embodiment of the present invention.
5 is a diagram illustrating a flow chart of a credit card payment method according to an embodiment of the present invention.
6 is a diagram illustrating an example of a map generated by an administrator terminal device according to an embodiment of the present invention.

Singular expressions used in the present specification include plural expressions unless the context clearly indicates otherwise. In the present specification, terms such as “consisting of” or “comprising” should not be construed as necessarily including all of the various elements or various steps described in the specification, and some of the elements or some steps It may not be included, or it should be interpreted that it may further include additional elements or steps. In addition, terms such as "... unit" and "module" described in the specification mean units that process at least one function or operation, which may be implemented as hardware or software, or as a combination of hardware and software. .

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

1 is a diagram showing a schematic configuration of a credit card payment system according to an embodiment of the present invention.

1, a credit card payment system 100 according to an embodiment of the present invention includes a user mobile terminal device 110, an administrator terminal device 120, an approval relay server 130, and an approval server 140. Include. Hereinafter, the function of each component will be described in detail.

The user mobile terminal device 110 is a device carried by a user, and may be a smart phone, a tablet PC, or the like, and has a configuration as shown in FIG. 2.

Referring to FIG. 2, the mobile terminal device 110 includes a first communication unit 111, a first storage unit 112, a first control unit 113, and a first display unit 114.

The first communication unit 111 performs a function of communicating with the manager terminal device 120 and the approval relay server 130 existing in the product/service provision location. To this end, the first communication unit 111 includes a short-range communication module supporting short-range communication and a long-range communication module supporting long-distance communication. The short-range communication module may include a Bluetooth module, an NFC module, a WIFI module, and the like, and the long-distance communication module may include an LTE communication module.

The first storage unit 112 may be a volatile and/or non-volatile memory, and stores commands or data related to at least one other component of the mobile terminal device 110. In particular, the first storage unit 112 may store commands or data related to an application or a recording medium that performs payment using a credit card, and may store information of at least one credit card of a user.

The first control unit 113 may be implemented by a processor, and may control at least one other component of the mobile terminal device 110 and/or perform an operation or data processing related to communication. That is, the first control unit 113 controls the first communication unit 111 and may execute a command related to execution of an application. In other words, the first control unit 113 controls a credit card payment operation for products/services.

The first display unit 114 may be composed of a liquid crystal display (LCD), a light emitting diode display (LED), an organic light emitting diode display (OLED), and the like, and in particular, an execution screen of an application executed by the first control unit 113 is displayed. Can be printed.

Again, referring to FIG. 1, the manager terminal device 120 may be provided in a product/service providing place to manage the place.

Here, the product/service providing place may be a general store or affiliated store that is located in a fixed place and provides goods or services, or may be a subway, a bus, or a taxi, which is a means of transportation that provides transportation services.

In addition, the manager terminal device 120 transmits a wireless signal and performs an operation related to payment of goods/services. For example, when a product/service providing place is a means of transportation, the manager terminal device 120 may be a toll collection device with a built-in beacon device.

3 is a diagram showing an example of the manager terminal device 120 according to the present invention.

Referring to FIG. 3, the manager terminal device 120 may be a mobile terminal device of an administrator capable of transmitting a wireless signal or a POS device having a beacon module capable of transmitting a wireless signal, and the second communication unit 121, A second storage unit 122, a second control unit 123, and a second display unit 124 are included.

The second communication unit 121 performs a function of communicating with the user mobile terminal device 110 and the approval relay server 130. To this end, the second communication unit 121 includes a short-range communication module supporting short-range communication and a long-range communication module supporting long-distance communication. The short-range communication module may include a Bluetooth module, an NFC module, a WIFI module, and the like, and the long-distance communication module may include an LTE communication module.

In particular, the second communication unit 121 may transmit a wireless signal, and the wireless signal may be a Bluetooth signal including a UUID (Uinique User IDentidfier) of the manager terminal device 120.

The second storage unit 122 may be a volatile and/or nonvolatile memory, and stores commands or data related to at least one other component of the manager terminal device 120. In particular, the second storage unit 122 may store commands or data related to an application or a recording medium that performs payment using a credit card, and in addition, a unique identification code of the manager terminal device 120 may be stored. .

The second controller 123 may be implemented by a processor, and may control at least one other component of the manager terminal device 120 and/or perform an operation or data processing related to communication. That is, the second control unit 123 controls the second communication unit 121 and may execute a command related to execution of an application. In other words, the second control unit 123 controls a credit card payment operation for goods/services.

The second display unit 124 may be composed of a liquid crystal display (LCD), a light emitting diode display (LED), an organic light emitting diode display (OLED), etc., and in particular, an execution screen of an application executed by the second control unit 123 is displayed. Can be printed.

Again, referring to FIG. 1, the approval relay server 130 is provided in a provider organization that performs a payment service for a credit card, and receives payment approval request information requested through the user mobile terminal device 110 to receive the approval server ( 140).

4 is a diagram showing a schematic configuration of an approval relay server 130 according to an embodiment of the present invention.

Referring to FIG. 4, the approval relay server 130 includes a third communication unit 131, a third storage unit 132, and a third control unit 133.

The third communication unit 131 communicates with the mobile terminal device 110, the manager terminal device 120, and the approval server 140 existing in the product/service provision location.

The third storage unit 132 may be a volatile and/or nonvolatile memory, stores commands or data related to the components of the approval relay server 130, and performs payment using a credit card, or It stores commands or data related to the recording medium.

The third control unit 133 may be implemented by a processor, and may control components of the approval relay server 130 and/or perform an operation or data processing related to communication.

Again, referring to FIG. 1, the approval server 140 is provided in a credit card company, and determines and processes whether or not a credit card payment request can be approved.

Hereinafter, a credit card payment method performed by the user mobile terminal device 110, the administrator terminal device 120, the approval relay server 130, and the approval server 140 will be described in more detail with reference to FIG. 5.

In the flowchart shown in FIG. 5, the steps shown in the first column are the steps performed by the manager terminal device 120, and the steps shown in the second column are the product/service among a plurality of user mobile terminal devices located in the product/service provision location. Steps performed by the first user mobile terminal device 110, which is one user mobile terminal device to perform payment, the steps shown in the third column are the steps performed by the authorization relay server 130, and the steps shown in the fourth column These are the steps performed by the authorization server 140. In this case, it is assumed that a user application is being executed in the first user mobile terminal device 110 and a server computer program is being executed in the approval relay server 130.

First, in step 502, the manager terminal device 120 transmits a radio signal including a unique identification code of a product/service providing place within a preset range through the second communication unit 121 in a broadcast manner. For example, the wireless signal may be a Bluetooth signal. Hereinafter, for convenience of description, a wireless signal is assumed to be a Bluetooth signal, but the present invention is not limited thereto. The transmitted radio signal is received by a plurality of user mobile terminal devices including the first user mobile terminal device 110.

At this time, the manager terminal device 120 may be registered in the approval relay server 130. And, as mentioned above, the manager terminal device 120 may be a mobile terminal device or a POS device with a built-in Bluetooth module, and may include a conventional POS device and a separate beacon device.

Next, the first user mobile terminal device 110 measures the intensity information of the Bluetooth signal received through the second control unit 123 in step 504, and transmits the second communication unit 121 in step 506. Through the Bluetooth signal strength information and the identification information of the first user mobile terminal device 110 is transmitted to the manager terminal device 120. For example, when the first user mobile terminal device 110 is a smartphone, the identification information may be the last 4 digit number of the phone number of the smartphone.

Meanwhile, steps 504 and 506 may be performed in all of the plurality of user mobile terminal devices.

Subsequently, in step 508, the first user mobile terminal device 110 identifies a product/service provision location using the received Bluetooth signal. This may be performed by the first control unit 111.

According to an embodiment of the present invention, there may be a plurality of product/service provision places, identification information (for example, name, etc.) exists for each product/service provision place, and the approval relay server 130 is a product/service provision location. Matching information between identification information of service providing locations and a unique identification code of the manager terminal device 120 existing in the locations may be stored in advance. In this case, the mobile terminal device 110 of the first user transmits the unique identification code in the received Bluetooth signal to the approval relay server 130, and the approval relay server 130 provides a product/service providing location based on the matching information. The identification information of the first user is transmitted to the mobile terminal device 110 of the first user, and the mobile terminal device 110 of the first user uses the identification information of the place transmitted from the approval relay server 130 to provide the product/service Can be identified.

On the other hand, in step 510, which is at the same time as or adjacent to step 508, the manager terminal device 120 uses the intensity information of the Bluetooth signals received from the plurality of user mobile terminal devices through the second communication unit 121. A map indicating the distribution of terminal devices of a plurality of users located at the location is generated. As an example, on a map, a plurality of user mobile terminal devices may be displayed in the last 4 digits of a phone number.

6 shows an example of a map generated by the manager terminal device 120. Referring to FIG. 6, the user mobile terminal device located closest to the user mobile terminal device is displayed differently from other user mobile terminal devices (for example, indicated in yellow), which is the first user mobile terminal device 110 shown in FIG. Corresponds to.

Thereafter, in step 512, the manager terminal device 120 sends a product to the first user mobile terminal device 110, which is a user mobile terminal device selected by the administrator among the plurality of user mobile terminal devices through the second communication unit 121. /Transmit information on the payment amount of the service. At this time, the payment amount information for goods/services may be transmitted through Bluetooth and may be transmitted through various other wireless signals.

Subsequently, in step 514, the first user mobile terminal device 110 identifies the product/service provision location, credit card information for product/service payment, product/service payment amount information, and installment period. Generates payment approval request information including information. This is performed through the first control unit 113.

In more detail, the identification information of the product/service providing place is information of the product/service providing place identified in step 508. In addition, at least one credit card information is stored in the first storage unit 112 of the first user mobile terminal device 110, and at least one credit card is generated by a user event (for example, a click event). The information of one credit card for payment of goods/services is selected from among the information and included in the payment approval request information. In addition, the payment amount information of the product/service is the amount information of the product/service to be paid, and the installment period information is the period information to be paid by dividing the payment amount.

At this time, the first user mobile terminal device 110 may include a camera, and the user photographs the credit card with the above camera, extracts the credit card information by text reading (OCR), and extracts the credit card. The card information may be stored in the first storage unit 112. This prevents errors when entering information on a credit card and increases the convenience of inputting information. In addition, the password of the credit card and the owner of the credit card can be checked to prevent others from storing the user's credit card, and information of the frequently used credit card can be designated in the form of favorites.

According to an embodiment of the present invention, the first control unit 113 of the first user mobile terminal device 110 includes the list price of the product/service and the approval relay server 130 received through the first communication unit 111. Payment amount information for goods/services can be generated by using at least one of credit card point information, point information for a place where goods/services are provided, coupon information for a place where goods/services are provided, and information on a discount event for a place where goods/services are provided. have. That is, the first control unit 113 may generate payment amount information for a product or service based on at least one of the information received from the approval relay server 130 mentioned above. In this case, the manager terminal device 120 preferably registers point information, coupon information, and discount event information of the product/service provision place to the approval relay server 130 in advance, and the approval relay server 130 is an approval server ( After inquiring the point information of the credit card to be paid with 140), it may be transmitted to the first user mobile terminal device 110.

On the other hand, according to another embodiment of the present invention, the manager terminal device 120 may register information on the product/service provided to the product/service providing place to the approval relay server 130 in advance. In this case, the approval relay server 130 may provide the product/service information provided together with the identification information of the product/service provision location to the terminal device 110 of the first user. The terminal device 110 of the first user may generate payment amount information for a product/service for some of the information on the product/service provided.

Thereafter, in step 516, the first user mobile terminal device 110 transmits the payment approval request information to the approval relay server 130. This is performed through the first communication unit 111.

At this time, the first user mobile terminal device 110 performs payment approval authentication using password authentication or biometric authentication through the first control unit 113, and transmits payment approval request information for which payment approval authentication is completed to the first communication unit ( 111) can be transmitted to the approval relay server 130.

Next, in step 518, the approval relay server 130 transmits the received payment approval request information to the approval server 140. This is performed by the third communication unit 131.

Subsequently, in step 520, the approval server 140 generates approval completion information that is a response to the payment approval request information, and in step 522, the approval server 140 transmits the generated approval completion information to the approval relay server Send to 130.

For example, when the approval server 140 transmits the approval completion information to the approval relay server 130, in step 524, the approval relay server 130 receives the approval completion information through the third communication unit 131 It transmits to the mobile terminal device 110. Thereafter, the mobile terminal device 110 of the first user displays the approval completion information received under the control of the first control unit 113 in step 526 on the first display unit 114, and in step 528 Under the control of the first control unit 113, the first communication unit 111 transmits the approval completion information to the manager terminal device 120. At this time, in step 530, the manager terminal device 120 may output payment information based on the received approval completion information.

As another example, when the approval server 140 transmits approval completion information to the manager's terminal device 120, the manager terminal device 120 is based on the received approval completion information as described in step 530. To output payment information.

Meanwhile, according to an embodiment of the present invention, there may be an approval server 140 for each credit card company, and a plurality of approval relay servers 130 may exist, which may correspond to one-to-one. That is, one approval server 140 corresponds to one approval relay server 130. Through this, transactions during peak times are distributed and errors in credit card payment are prevented.

In summary, according to the present invention, the user mobile terminal device 110 acquires information on the product/service provision location from the approval relay server 130 using a Bluetooth signal, and the approval server of the credit card company through the approval relay server 130 It is performed by requesting payment approval from (140). Accordingly, it is possible to relieve anxiety that information on the credit card will remain in the credit card terminal, and mobile terminal devices that cannot communicate with the NFC or MST method can use the above method, and increase security and convenience. I can.

In addition, the payment method by photographing a QR code requires time to go through a plurality of payment steps and the necessity of movement occurring in the process of photographing close to the payment terminal that executes a dedicated application on the terminal and outputs the QR code. In the method of paying by reading a credit card or NFC to a payment terminal, the user has to carry the payment method and present it by moving to the store manager who operates the payment terminal. It provides a simple payment method in which the user checks the payment request message received on the smartphone and then performs the authentication step only, or even if the store manager does not request payment, the user inquires his or her usage history and performs payment directly.

Further, the embodiments of the present invention may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like alone or in combination. The program instructions recorded on the medium may be specially designed and configured for the present invention, or may be known and usable to those skilled in computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. -A hardware device specially configured to store and execute program instructions such as magneto-optical, and ROM, RAM, flash memory, and the like. Examples of the program instructions include not only machine language codes such as those produced by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The above-described hardware device may be configured to operate as one or more software modules to perform the operation of the embodiments of the present invention, and vice versa.

As described above, in the present invention, specific matters such as specific components, etc., and limited embodiments and drawings have been described, but these are provided only to help the general understanding of the present invention, and the present invention is not limited to the above embodiments, Anyone of ordinary skill in the field to which the present invention belongs can make various modifications and variations from this description. Therefore, the spirit of the present invention is limited to the described embodiments and should not be defined, and all things that are equivalent or equivalent to the claims as well as the claims to be described later fall within the scope of the spirit of the present invention. .

Claims (10)

A communication unit including a short-range communication module supporting short-range communication and a long-distance communication module supporting long-distance communication;
A storage unit for storing credit card information; And
Including; a control unit that is implemented by a processor, controls the communication unit, and controls a credit card payment operation for goods/services,
The short-range communication module receives a radio signal from a manager terminal device existing in a place that provides the product/service,
The control unit identifies the place by using the wireless signal, and identifies the place, information on the credit card for payment of the product or service, information on the amount of payment for the product/service, and installment of the product/service Generate payment approval request information including period information,
The communication unit transmits the payment approval request information to the approval relay server, and receives approval completion information, which is a response to the payment approval request information, from the approval relay server,
Wherein the approval relay server transmits the payment approval request information to an approval server of a credit card company, receives the approval completion information from the approval server, and transmits the approval completion information to the communication unit. The method of claim 1,
The manager terminal device is a mobile terminal device of a manager managing the place or a POS device capable of transmitting the radio signal, and the radio signal includes a unique identification code of the manager terminal device. The method of claim 1,
Matching information between the identification information of the place and the unique identification code of the manager terminal device is stored in advance in the approval relay server,
The communication unit transmits the unique identification code in the received radio signal to the authorization relay server, the authorization relay server transmits the identification information of the place to the communication unit based on the matching information, and the control unit relays the authorization A mobile terminal device, characterized in that the location is identified by using the location identification information transmitted from the server. The method of claim 1,
The communication unit receives at least one of point information of the credit card to be paid, point information of the place, coupon information, and discount event information from the approval relay server, and the control unit receives information received from the approval relay server. A mobile terminal device, characterized in that generating information on a payment amount of the product or service and information on an installment period of the product/service based on at least one of the following. The method of claim 1,
And the control unit controls the communication unit to perform payment approval authentication through password authentication or biometric authentication, and to transmit the payment approval request information on which the payment approval authentication is completed to the approval relay server. The method of claim 1,
Wherein the control unit controls the communication unit to transmit the received payment completion information to the manager terminal device. The method of claim 1,
The mobile terminal device, characterized in that the place includes a store of fixed goods/services and means for providing a moving transport service. In a manager terminal device located in a place that provides goods/services,
A communication unit including a short-range communication module supporting short-range communication and a long-distance communication module supporting long-distance communication;
A storage unit for storing the unique identification code of the terminal device; And
Including; a control unit that is implemented by a processor, controls the communication unit, and controls operations related to credit card payment of goods/services,
The communication unit transmits the radio signal including the unique identification code in a broadcasting method at the place, and receives information on the reception strength of the radio signal and the identification information of the mobile terminal device from each of the plurality of mobile terminal devices,
The control unit generates a map indicating the distribution of a plurality of mobile terminal devices located in the place using the received intensity information of the received radio signal and the identification information of the mobile terminal device, and displays the map to the administrator, and the plurality of mobile terminals A terminal device, characterized in that transmitting information on the amount of payment for goods/services to one mobile terminal device selected by the manager among devices. In the approval relay server for relaying credit card payment,
A communication unit for performing communication with an authorization server of a user mobile terminal device and a credit card company existing in a place where the product/service is provided; And
Including; a control unit for controlling the communication unit,
The communication unit receives payment approval request information from the user mobile terminal device, transmits the payment approval request information to the approval server, receives approval completion information corresponding to the payment approval request information from the approval server, and the Transmits the approval completion information to the user mobile terminal device,
The user mobile terminal device receives a radio signal from a manager terminal device existing in the place, identifies the place using the radio signal, and identifies the place, and the credit card for payment of the product or service And generating the payment approval request information including information of the product or service, payment amount information of the product or service, and installment period information of the product/service. In the credit card payment method performed in a user mobile terminal device, an approval relay server, and an approval server of a credit card company,
Receiving, by the user mobile terminal device, a radio signal from an administrator terminal device existing in a place where the product/service is provided;
The user mobile terminal device identifies the place by using the wireless signal, and identifies the place, information on the credit card for payment of the product or service, information on the amount of payment for the product or service, and the product / Generating payment approval request information including information on the installment period of the service;
Transmitting, by the user mobile terminal device, the payment approval request information to the approval relay server;
Transmitting, by the approval relay server, the payment approval request information to the approval server;
Generating, by the approval server, approval completion information that is a response to the payment approval request information; And
And transmitting, by the approval server, the approval completion information to at least one of the approval relay server and the manager terminal device.

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