KR20210037491A - The system and method to pay by credit card - Google Patents

Abstract

Currently, a credit card payment must undergo a very complex process in which, when credit card information and member store information are transferred to a value-added network (VAN) or a payment gateway (PG) by a member store, the VAN or the PG transmits the credit card information and the member store information to a credit card company again to approve the information, and the result is received through the VAN or the PG again. Moreover, a purchase request must be made through the VAN or the PG for settlement. Therefore, systems become complex since the payment process is complex, and security problems occur since multiple companies possess payment information. Moreover, since the VAN or the PG is used, fees are incurred. The present invention relates to an apparatus and method allowing a customer to directly process a credit card payment through a credit card company server. According to the present invention, since the approval process is simplified, systems become simple and security problems are also greatly reduced. In addition, since the payment is directly made in the credit card company server, a purchase process is not needed or the member store can verify the payment and make a purchase request on the homepage of the credit card company server. Also, since the VAN or the PG is not used, costs can be reduced, and stores do not need a credit card terminal.

Description

Credit card payment device and method {The system and method to pay by credit card}

The present invention relates to an apparatus and method for processing credit card payment by directly logging in to a credit card company server by a customer.

Currently, credit card payment requires a very complicated process in which the merchant delivers the credit card information and the merchant information to the VAN or PG, the VAN or PG sends it back to the credit card company for approval, and receives the result again through the VAN or PG.

In addition, a purchase request must be made through VAN or PG for settlement.

Therefore, the system becomes complicated as the payment process is complicated, and security problems arise as several companies hold payment information.

In addition, fees are incurred because VAN or PG is used.

The present invention relates to an apparatus and method for processing credit card payment by directly logging in to a credit card company server by a customer.

According to the present invention, since the approval process is simplified, the system is simplified and security problems are greatly reduced.

In addition, since the payment is made directly on the credit card company's server, there is no need for a purchase process, or the affiliated store can query the payment case on the credit card company's homepage and request a purchase.

In addition, since it does not use VAN or PG, costs can be reduced, and in the case of stores, there is no need for a credit card terminal.

1 is an example of a payment flow chart of a payment module according to the present invention.
2 is an example of a payment screen according to the present invention.
3 is an example of a flowchart of an interlocking module according to the present invention.
4 is an example of an interlocking module screen according to the present invention.
5 is an example of a flowchart when the present invention is applied to a shopping mall.

Currently, credit card payment requires a very complicated process in which the merchant delivers the credit card information and the merchant information to the VAN or PG, the VAN or PG sends it back to the credit card company for approval, and receives the result again through the VAN or PG.

In addition, a purchase request must be made through VAN or PG for settlement.

Therefore, the system becomes complicated as the payment process is complicated, and security problems arise as several companies hold payment information.

In addition, fees are incurred because VAN or PG is used.

The present invention relates to an apparatus and method for processing credit card payment by directly logging in to a credit card company server by a customer.

Prior to this description, terms are defined as follows.

Store means any company that accepts payment by credit card.

Customer means any company or individual that pays by credit card.

The approval number is a number assigned to each approval case by a credit card company, and refers to a unique number that can identify a payment case.

The payment module is a module provided by a credit card company and refers to a module that provides a credit card payment function.

The payment module may be in the form of a web or an app.

The linkage module is a module that calls a payment module and transmits information, and refers to a module that operates on a PC or smartphone.

In general, since the credit card company used for each user is different and the calling method is different for each credit card company, the user can select their own credit card company, and a function of calling the selected credit card company payment module is included.

The interworking module may be a separate and independent module, or may be a part of each store server or an integrated server or an integrated module.

Integration service refers to a service that provides services to multiple stores.

The integration server means a server that stores and provides information necessary for integration services.

In the description below, it is assumed that the URL of the integration server is www.cardpays.com.

The integrated module refers to a module that operates on a PC or smartphone for integrated service.

The integrated module may be in the form of a web or an app.

The identification number is a number for the recipient to identify the payment, and corresponds to an order number of a shopping mall or a store, a giro number of a public institution, or a number generated by an integrated service.

Of course, the identification number may include letters other than numbers.

First, since the payment is made by logging in to the credit card company's server, the user must be registered as a member on the credit card company's website.

The credit card company payment module is manufactured to operate as follows.

Step 1, the credit card company payment module receives the following information.

If the customer is using Kookmin Card, the Kookmin Card payment module is called as follows.

http://www.kbcard.com/pay.asp?storecd=1234567890&amount=10000&ordno=20180815000001&returl=http://www.cjmall.com/return.asp

From here

storecd is the merchant code.

amount is the amount to be paid.

ordno is an identification number by which the server that receives the result can identify the payment case when the payment result is returned.

returl is the URL that returns the result after payment.

Depending on the usage method, returl and ordno can be omitted.

Here, for convenience of explanation, the GET method is used as an example, but of course, it can also be transmitted using the POST method.

Step 2, the payment module shows a login screen, and the user logs in as before.

Step 3, the payment module shows information on the screen as shown in FIG. 2.

Step 3-1, the user's card information is inquired.

When more than one card is issued by a single credit card company, a list of cards is displayed and the user selects which card to pay.

In addition, in the case of a credit card, since the usage limit is specified, the remaining limit can be displayed so that the user can check whether payment is possible in advance.

In the case of a check card, the limit of use is unknown, but if there is a limit of use once, one day, or one month, it is also displayed on the screen.

Alternatively, a card that can be paid can be classified and displayed by comparing it with the payment amount.

In step 3-2, the affiliate store is searched with the received affiliate store code, and the store name is displayed so that the user can check it.

Step 3-3, show the received payment amount.

Step 4, the user checks the information on the screen, authenticates himself using a public certificate, password, or fingerprint, etc., and then makes payment.

Like a bank, you can also use an OTP or security card.

Step 5, if the returl value is transmitted, the payment module transmits the payment result to the corresponding URL.

http://www.cjmall.com/return.asp?retcd=OK&retmsg=normal&ordno=20180815000001&apprno=67351678

In this example, retcd means a payment result code, retmsg means a payment result string, and apprno means an authorization number.

Of course, when payment fails, the failure code and reason are transmitted.

In addition, it is more convenient to store the received identification number so that payment can be easily searched on the credit card company's homepage, and search by identification number.

In the case of a smartphone app, it automatically runs the app and transmits information to the app.

There can be several ways to do this, and you can simply call it in the URL Scheme method as follows.

cktp://www.kbcard.com/pay.asp?storecd=1234567890&amount=10000&ordno=20180815000001&returl=http://www.cjmall.com/return.asp

or

cktp-kbcard://www.kbcard.com/pay.asp?storecd=1234567890&amount=10000&ordno=20180815000001&returl=http://www.cjmall.com/return.asp

In addition, in the case of a smart phone payment module, the approval number can be displayed on the screen as a number and a QR code or a barcode when payment is successful, so that a user or a store employee can visually check it or scan it with a scanner.

The linkage module works with the payment module as follows.

Step 1, the linkage module receives payment request information.

Step 1-1, receive information such as payment amount, order number, and result receiving URL.

Steps 1-2, In general, since a store is registered as an affiliate store of several credit card companies, the linkage module receives the credit card company registered as an affiliate store and the affiliate store code for each card.

Step 2, choose a credit card company.

Step 2-1, the linkage module shows a list of credit card companies in which the store is registered as an affiliated store, as shown in FIG. 4.

Step 2-2, the customer selects the credit card company of the card he has.

Step 3, the linkage module creates a URL and calls the payment module of the credit card company.

Step 3-1, select the URL as follows according to your credit card company.

Select Case (credit card company)

Case “004”: URL = “http://www.kbcard.com/pay.asp”

Case “088”: URL = “http://www.shinhancard.com/pay.asp”

Case “081”: URL = “http://www.hanacard.com/pay.asp”

...

End Select

Step 3-2, the linkage module constructs a URL as in the above example with information such as credit card company, affiliate store code, payment amount received in step 1, order number, and result receiving URL.

Step 3-3, the linkage module calls the payment module by using the URL and delivers the information.

The present invention can be applied to various fields in various ways.

As in the above example, it can be used as a payment method when purchasing a product at an internet shopping mall.

Step 1, the shopping mall server calls the linking module and delivers the information.

Step 2, the shopping mall linkage module displays a screen for selecting a credit card company, and the user selects a credit card company.

Step 3, the shopping mall linkage module generates a URL as in the above example, calls the credit card company payment module, and delivers the information.

Step 4, the user logs in at the credit card company's payment module, checks the contents of the screen, and makes payment.

Step 5, the credit card company payment module transmits the payment result to the shopping mall server.

If the credit card company supports the above functions only in the smartphone app, the payment module of the smartphone cannot be called from the PC, so the processing can be performed as follows.

Step 1, the shopping mall server generates a QR code including an order number as follows.

http://www.cjmall.com/pay.asp?id=20180815000001

Step 2, When a customer scans a QR code on a PC screen with a smartphone, it automatically connects to the shopping mall server.

Step 3, the shopping mall server retrieves the order from the order number and calls the linking module.

Thereafter, the payment is made through the same process as in the above example, and the payment module transmits the payment result to the shopping mall server.

It can also be applied to offline stores.

Here, the case of using the integrated service will be described as an example.

First, each store subscribes to the integrated service as a member, and then registers the credit card company and the affiliate store code for which it is registered as an affiliate store.

After entering the order at the POS, if the customer chooses to pay by credit card, it is processed as follows.

Step 1, the POS calls the integration module, and sends the store's integrated service ID, order number, and payment amount to the integration module.

In the case of sending information to the customer's smartphone below, the store employee asks for the customer's mobile phone number and enters it, and the POS sends the customer's mobile phone number together.

Step 2, the integration module transmits the received information to the integration server, and receives an identification number.

Step 2-1, the integration module transmits the received information to the integration server.

Step 2-2, the integrated server stores the received information.

Step 2-3, generate and return an identification number that can identify the order.

Step 3, the integration module delivers the URL including the identification number as follows.

http://www.cardpays.com/?id=123456

Since POS cannot directly transfer to the payment module of the customer's smartphone, it is processed as follows.

First, if the POS has a customer monitor, the identification number is converted into a QR code and displayed on the monitor.

Of course, when scanning with a dedicated app, you can include only the identification number except for the URL.

Second, if the POS does not have a customer monitor, the URL is sent to the customer's smartphone by text or messenger.

Step 4, when the customer scans the QR code or touches the URL in the message, it automatically connects to the integrated server.

Step 5, the integrated server retrieves the payment amount and the store's affiliate store information from the identification number and delivers it to the integrated module.

Step 6, the integration module displays a screen for selecting a credit card company, and when the user selects a credit card company, the integration module creates a URL and calls the payment module of the credit card company.

In step 7, the customer makes payment as in the above example by using the payment module function.

Step 8, when the payment module transmits the payment result to the integrated server, the integrated server searches for the order using the identification number and stores the payment result.

Step 9, After the customer pays, the store employee clicks the confirmation button at the POS, and the POS receives the payment result as follows.

Step 9-1, the POS transmits the order number to the integrated module.

Step 9-2, the integration module sends the store ID and order number to the integration server.

Step 9-3, the integrated server retrieves and returns the payment result by the store ID and order number.

In a POS without a server that receives the results, without using the integrated service, you can directly create a URL and display it as a QR code or send the URL, and you can check the payment status through the customer's smartphone screen as described above.

In the case of delivery, since the customer can pay by passing the URL to the customer's smartphone when placing an order, the store does not need to have a portable terminal and can also deliver after confirming payment.

It can also be applied when paying various utility bills by card.

First, a URL containing information that can identify the case is transmitted to the user by text, messenger, or e-mail as follows.

http://www.kepco.co.kr/pay.asp?no=1065726984

After that, the user can click the URL and pay the fee immediately as follows.

Step 1, When a user clicks a URL after receiving a text message, a messenger, or an e-mail, the user accesses the above website.

Step 2, the server of the relevant institution searches by identification number to check whether the payment has already been made, and if the payment has already been made, it transmits a message indicating that the payment has been completed, and ends.

If the case has not yet been paid, proceed to the next step.

Step 3, the server of the corresponding institution displays the user's credit card company selection screen, and when the user selects a credit card company, the server generates a URL and calls the payment module of the credit card company.

After step 4, payment is made through the same process as in the above example.

Step 5, the credit card company payment module transmits the payment result to the corresponding institution server as in the above example.

In addition to this, it can be applied to various fields.

According to the present invention, since the approval process is simplified, the system is simplified and security problems are greatly reduced.

In addition, since the payment is made directly on the credit card company's server, there is no need for a purchase process, or the affiliated store can query the payment case on the credit card company's homepage and request a purchase.

In addition, since it does not use VAN or PG, costs can be reduced, and in the case of stores, there is no need for a credit card terminal.

Each agency can save money because there is no need to send bills or papers.

Since credit card companies can be applied to various fields with one payment module, development and maintenance are simplified.

The above is only one embodiment of the present invention, and various modulations and modifications are possible within the scope of the present invention.

See drawing

Claims (3)

Credit card payment device and method, characterized in that the user directly logs in to the credit card company server to pay
In paragraph 1
Step of receiving information transmitted from outside by credit card company server
Steps for the user to log in to the credit card company server
A step in which the credit card company server inquires the user's credit card information, searches for the affiliate store with the received affiliate store code, and displays the store name and payment amount on the screen.
Steps to authenticate and pay the user on the credit card company server
Step of the credit card company server sending the payment result to the received URL
Credit card payment device and method comprising a
In paragraphs 1 and 2
Credit card payment device and method, characterized in that the credit card company server displays the approval number on the screen as a barcode or QR code after payment

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