KR20230057879A - Method for performing cash payment - Google Patents

Abstract

The present invention relates to a cash payment relay method, and more particularly, by obtaining IC cash payment information mapped to card information from card information engraved or printed on an IC card possessed by a user from a bank company server, thereby obtaining an IC Using cash payment information, IC cash payment is possible when purchasing goods or services on online e-commerce sites.

Description

Relay method of cash payment {Method for performing cash payment}

The present invention relates to a cash payment relay method, and more particularly, by obtaining IC cash payment information mapped to card information from card information engraved or printed on an IC card possessed by a user from a bank company server, thereby obtaining an IC Using cash payment information, IC cash payment is possible when purchasing goods or services on online e-commerce sites.

The Financial Supervisory Service (FSS) announced that transactions such as cash withdrawals and card loans are restricted with magnetic (MS) credit cards at all domestic ATMs. Therefore, in the future, you can withdraw cash or get a loan only with a card with an integrated circuit (IC) chip at all ATMs in Korea.

The IC cash card payment service is a service that uses an IC card with a cash withdrawal function as a payment method. This service has strong security because bank account information is stored in an IC chip that cannot be duplicated or hacked, and payment approval is completed only when the customer enters the password.

IC cash card contains bank account information, so it can be used as a payment method like a conventional check card, but it can reduce the 2% level of card fee applied to credit card payment to less than 1%, reducing the card fee borne by merchants. , it is possible to receive payment from the bank the next day, increasing the turnover of funds.

In addition, for users, higher income deduction benefits than credit cards, prevention of leakage of personal information, prevention of card duplication, and high security because payment approval is completed only when the customer directly inputs the password instead of signing. Moreover, in the case of merchants, when paying with an IC cash card, there is no need to receive and verify the customer's signature for identity verification like a credit card or check card, and there is no need to store or submit sales slips, which increases convenience and lowers the cost of operating the payment system. .

Despite these advantages, the amount and number of IC cash payments are insignificant. This is because payments using credit and check cards are made through credit card companies, whereas payments using IC cash cards are made through the Korea Financial Telecommunications and Clearings Institute. This is because credit card companies are reluctant to accept IC cash payments, while conservative banks are not actively promoting the newly introduced IC cash payments.

However, a bigger reason for the insignificant amount and number of cases of IC cash payment is that a hybrid IC card in which an IC cash card and a check card, or an IC cash card, a check card and a credit card are mixed in one card, is generally popular, and some financial companies does not have an IC cash payment system, and IC cash payment is not selected according to the user's choice when issuing a card, so IC cash payment is not possible with IC cards of some financial companies or IC cash payment is not possible with some hybrid IC cards. am.

Therefore, from the point of view of consumers and merchants, IC cash payment is advantageous and tries to perform IC cash payment, but has a limitation in that it is impossible to know whether IC cash payment is possible with the consumer's IC card.

On the other hand, recently, the proportion of purchasing goods or services through online e-commerce is gradually increasing, but there is no online e-commerce infrastructure or system for paying expenses using IC cash payment when purchasing goods or services through online e-commerce. not equipped Moreover, even if a consumer tries to make an IC cash payment through an online e-commerce site with his or her IC card, it is difficult to check or obtain IC cash payment information because only the credit card number and expiration date are printed or engraved on the IC card. Therefore, there is a problem that IC cash payment is impossible.

The present invention is intended to solve the above-mentioned problems, and an object of the present invention is to acquire IC cash payment information from card information written on an IC card possessed by a user and purchase IC cash when purchasing goods or services on an online e-commerce site. It is to provide a relay method of IC cash settlement that enables payment.

Another object to be achieved by the present invention is to obtain IC cash payment information only when IC cash payment is possible by determining whether the corresponding IC card is capable of IC cash payment from the card information of the IC card possessed by the user, thereby obtaining online e-commerce transactions. It is to provide an intermediary method of IC cash payment that enables IC cash payment when purchasing goods or services on the site.

Another object to be achieved by the present invention is to acquire IC cash payment information from credit card information written on an IC card possessed by a user, and easily register it as a payment card on an online e-commerce site first to induce IC cash payment. It is to provide a relay method for IC cash settlement.

In order to achieve the object of the present invention, an IC cash payment relay method according to the present invention includes the steps of receiving card information input by a user in a cash payment relay server, and transmitting the card information from the cash payment relay server to a bank company server. and, if there is IC cash payment information mapped to the card information, receiving IC cash payment information from the cash payment relay server, and performing IC cash payment by using the IC cash payment information in the online payment server. , providing IC cash payment information from the cash payment relay server to the user terminal or online payment server.

Preferably, the IC cash payment relay method according to the present invention is characterized by further comprising the step of registering IC cash payment information in the online payment server.

Here, the cash payment relay server generates a security token corresponding to the IC cash payment information and provides the security token as the IC cash payment information to the user terminal or online payment server.

The IC cash payment relay method according to the present invention is characterized by registering the payment card with the IC cash payment information when requesting registration of the payment card to the online payment server with the card information input by the user.

In the intermediary method for IC cash payment according to the present invention, when a payment card registration request is made to an online payment server with the card information input by the user, the cash payment card is registered with the IC cash payment information and the credit payment card is registered with the input card information. It is characterized by registering at the same time.

Preferably, in the IC cash payment relay method according to the present invention, when receiving a request for registration of IC cash payment information for a pre-registered payment card, the online payment server extracts the card information of the pre-registered payment card and relays the cash payment. Further comprising the step of sending to the server,

When receiving IC cash payment information for a pre-registered payment card from a bank company server through a cash payment relay server, the online payment server registers the payment card with the received IC cash payment information.

The IC cash payment relay method according to the present invention obtains IC cash payment information mapped to the card information from the card information written on the IC card possessed by the user from the server of the bank, and uses the obtained IC cash payment information online. IC cash payment is also possible on e-commerce sites when purchasing goods or services.

Meanwhile, the intermediary method for IC cash payment according to the present invention determines whether or not the corresponding IC card is capable of IC cash payment based on the card information of the IC card possessed by the user, and transmits the IC cash payment information only when IC cash payment is possible. By obtaining the IC card, the user can conveniently use the IC cash payment when purchasing goods or services on an online e-commerce site after checking whether IC cash payment is possible with the IC card he or she possesses.

Meanwhile, in the intermediary method of IC cash payment according to the present invention, when IC cash payment information is acquired from card information written on an IC card possessed by a user, it is registered as a payment card in an online e-commerce site that is frequently used or registered first. When using an online e-commerce site, IC cash payment can be easily performed with a registered payment card.

1 is a diagram for explaining a credit payment mode and an IC cash payment mode according to the present invention.
2 is a diagram for explaining an IC cash payment relay system according to the present invention.

It should be noted that technical terms used in the present invention are only used to describe specific embodiments and are not intended to limit the present invention. In addition, technical terms used in the present invention should be interpreted in terms commonly understood by those of ordinary skill in the art to which the present invention belongs, unless specifically defined otherwise in the present invention, and are excessively inclusive. It should not be interpreted in a positive sense or in an excessively reduced sense. In addition, when the technical terms used in the present invention are incorrect technical terms that do not accurately express the spirit of the present invention, they should be replaced with technical terms that those skilled in the art can correctly understand.

Also, singular expressions used in the present invention include plural expressions unless the context clearly dictates otherwise. In the present invention, terms such as "consisting of" or "comprising" should not be construed as necessarily including all of the various elements or steps described in the invention, and some of the elements or steps are included. It should be construed that it may not be, or may further include additional components or steps.

In addition, it should be noted that the accompanying drawings are only for the purpose of easily understanding the spirit of the present invention, and should not be construed as limiting the spirit of the present invention by the accompanying drawings.

Hereinafter, a payment method of an IC card according to the present invention will be described in more detail with reference to the accompanying drawings.

1 is a diagram for explaining a credit payment mode and an IC cash payment mode according to the present invention.

Figure 1 (a) is a diagram for explaining the credit payment mode. Looking more specifically with reference to Figure 1 (a), the payment terminal 10 is connected to the credit payment server 30 through the network 20 there is. Here, the payment terminal 10 is a device that reads the IC card presented by the user and performs payment, and the credit payment server 30 receives the credit card number and expiration date received from the payment terminal 10 through the network 20. It refers to a server that performs credit payment based on credit payment information such as Preferably, the payment terminal 10 reads the credit payment information from the inserted IC card and transfers the input payment details, such as the payment amount and the number of installment months, together with the credit payment information to the credit payment server 30 through the network 20. send to

Here, as the network 20 , various types of wired or wireless networks capable of transmitting and receiving data between the payment terminal 10 and the credit payment server 30 may be used.

On the other hand, the credit payment server 30 may include a value-added network (VAN) server and a credit card company server for relaying credit card payment, using the credit payment information and payment details received from the payment terminal 10 to authorize credit card payments.

The payment process of approving the payment from the credit payment server 30 using the credit payment information read from the user's IC card is referred to as a credit payment process, and is a payment mode in which IC card payment is performed through the credit payment process. is referred to as a credit payment mode.

FIG. 1(b) is a diagram for explaining the cash payment mode. Referring to FIG. 1(b) as a reference, the payment terminal 10 is connected to the cash payment relay server 50 through the network 20. Here, the payment terminal 10 is a device that performs payment by reading cash payment information from an IC card presented by a user, and the cash payment relay server 50 is a bank that receives information from the payment terminal 10 through the network 20. It refers to a server that performs IC cash payment based on IC cash payment information such as account information and the issuing bank code of the IC card. Preferably, the payment terminal 10 reads cash payment information from the inserted IC card and transmits payment details such as the input payment amount to the cash payment relay server 50 through the network 20.

Here, various types of wired or wireless networks capable of transmitting and receiving data between the payment terminal 10 and the cash payment relay server 50 may be used as the network 20 .

Here, the cash payment relay server 50 may include a KFTC server, and uses the cash payment information and payment details received from the payment terminal 10 to make a cash payment from the user's bank account linked to the IC card. approve

The payment process for approving the payment in the cash payment relay server 50 using the cash payment information read from the user's IC card is referred to as a cash payment process, and the payment is performed by the IC card through the cash payment process. The mode is referred to as the IC cash payment mode.

Normally, payment is made through a credit payment process for credit cards and check cards, and payment is made through a cash payment process for IC cash cards. IC cards are being issued.

Herein, the cash payment relay server 50 is a server that performs IC cash payment based on the cash payment information received from the IC card. Hereinafter, servers performing these functions are collectively referred to as cash payment relay servers.

These credit payment processes and IC cash payment processes can also be used in online payment servers such as online e-commerce sites, for example, online shopping malls. FIG. 2 is a diagram for explaining an IC cash payment relay system according to the present invention. .

Looking more specifically with reference to FIG. 2 , a user terminal 100 , an online payment server 500 , a bank company server 600 , and a cash payment relay server 700 are connected to the network 300 . Here, the network 300 may be various types of wired or wireless networks capable of transmitting and receiving data between the user terminal 100, the online payment server 500, the bank company server 600, and the cash payment relay server 700. can

The user can purchase goods or services using the site provided by the online payment server 500 through the user terminal 100. In order to make an IC cash payment through the online payment server, the user must first use the IC that the user has. It is necessary to check whether the card is capable of IC cash payment, and to acquire IC cash payment information if IC cash payment is possible.

When the online payment server 500 or the cash payment relay server 700 provides an interface screen for registering IC cash payment information to the user terminal 100, the user receives card information printed or engraved on the IC card on the interface screen. and input card information is provided to the cash payment relay server 700 . Here, the card information may include a card serial number, expiration date, etc. printed or engraved on the IC card.

The cash payment relay server 700 first determines whether IC cash payment is possible with the corresponding IC card based on the card information, and if the primary verification that IC cash payment is possible is completed, the card information is transmitted to the bank company server 600. send to

However, when it is first verified that IC cash payment is impossible with the corresponding IC card, the cash payment relay server 700 provides a message informing that IC cash payment is impossible to the online payment server 500. In this case, the online payment server 500 ) may provide a card selection window for selecting a card company to pay with a separate credit card to the user terminal, or may process payment in a credit payment mode using input card information.

The bank company server 600 stores card information and IC cash payment information mapped to the card information. The bank company server 600 finally verifies whether IC cash payment is possible with an IC card based on the card information. When verification that IC cash payment is finally possible with an IC card is completed, the bank company server 600 provides the IC cash payment information mapped to the card information to the cash payment relay server 700 . Here, the IC cash payment information may include account information mapped to card information or an assigned IC cash card number.

The cash payment relay server 700 provides IC cash payment information to the online payment server 500. When the IC cash payment information is provided to the online payment server 500, the online payment server 500 provides the IC cash payment information. It is mapped to user member information and registered as a payment card. When the user wants to pay by IC cash payment in the online payment server, he or she can pay for the purchase of goods or services in IC cash payment mode by performing the payment with the registered payment card.

Depending on the field to which the present invention is applied, IC cash payment information may be provided to the user terminal 100. When paying for goods or services in the online payment server 500, the user inputs the IC cash payment information to enter the IC cash payment mode. to pay for the purchase of goods or services.

Preferably, when the cash payment relay server 700 receives IC cash payment information from the bank company server 600, instead of transmitting the IC cash payment information to the user terminal 100 or the online payment server 500 as it is, the IC After generating a security token for cash payment information, mapping and storing IC cash payment information and security talk, the security token may be provided as IC cash payment information to the user terminal 100 or the online payment server 500 . In this way, when the security token is provided as the IC cash payment information, the user's actual cash payment is performed by registering the payment card with the security token or entering the security token in the online payment server 500 instead of the user's actual cash payment information. Cash payment information can be safely protected.

However, when it is finally verified that IC cash payment is impossible with the corresponding IC card, the cash payment relay server 700 provides a message informing that IC cash payment is impossible to the online payment server 500. In this case, the online payment server 500 may provide a card selection window for selecting a card company to pay with a separate credit card to the user terminal, or may process payment in a credit payment mode using input card information.

Depending on the field to which the present invention is applied, the user does not use the online payment server 500, but inputs the card information printed or engraved on the IC card to the cash payment relay server 700 directly through the user terminal 100 and enters the card information printed or engraved on the IC card. Information may be provided to the cash payment relay server 700 . In this case, the user terminal 100 receives IC cash payment information mapped to card information from the cash payment relay server 700, and then connects to the site of the online payment server that the user wants to use to switch to the IC cash payment mode. After selecting and inputting the IC cash payment information, it may be possible to pay in the IC cash payment mode.

3 is a diagram for explaining messages transmitted and received by the cash payment relay server.

Referring to FIG. 3 in more detail, the user terminal or the online payment server transmits card information printed or engraved on the IC card possessed by the user to the cash payment relay server (S10). The cash payment relay server transmits the received card information to the bank company server (S11).

After searching for IC cash payment information mapped to card information, the bank company server transmits the searched IC cash payment information to the cash payment relay server if IC cash payment information mapped to card information exists (S30).

The cash payment relay server provides the IC cash payment information received from the bank company server to the online payment server or user terminal as it is, or generates a security token for the IC cash payment information and converts the generated security token into the IC cash payment information to the online payment server Or it is provided to the user terminal (S50).

Thereafter, when the cash payment relay server receives a payment request including IC cash payment information in IC cash payment mode when a payment request for purchase of goods or services is requested from the online payment server, it transmits the IC cash payment information to the bank company server and transfers the IC cash payment information to the bank company server. Make a payment (S70).

4 is a flowchart illustrating a method of relaying an IC cash payment in a cash payment relay server according to the present invention.

Referring to FIG. 4 in more detail, when card information is received from the user terminal or online payment server (S111), it is first verified whether IC cash payment is possible with the IC card possessed by the user based on the received card information. Do (S112). Preferably, the cash payment relay server stores card information for which IC cash payment is not possible, and based on this, it is first verified whether IC cash payment is possible. For example, in the case of an IC card issued by a bank where IC cash payment is impossible based on bank identification information (BIN) among card information, it may be determined that IC cash payment is impossible.

If it is determined that IC cash payment is possible after the first verification, the received card information is provided to the bank company server and IC cash payment information mapped to the card information is requested (S115). IC cash payment information mapped to card information is stored in the bank company server. If IC cash payment information mapped to card information exists, the bank company server transfers the IC cash payment information mapped to card information to the cash payment relay server. to provide. However, if the cash payment relay server does not receive the IC cash payment information mapped to the card information from the bank company server, it is finally determined that the IC cash payment is impossible.

When receiving IC cash payment information from the bank company server, the cash payment relay server provides the received IC cash payment information to the online payment server or user terminal (S119).

Preferably, instead of providing the received IC cash payment information to the online payment server or user terminal as it is, the cash payment relay server generates a security token for the received IC cash payment information and receives the IC cash payment information generated. After mapping and storing the information, the security token can be provided to the online payment server or user terminal as IC cash payment information (S118).

5 is a flowchart illustrating a method of registering a payment card in an online payment server according to the present invention.

Referring to FIG. 5 in more detail, when a user request for registration of a payment card is received (S131), the registration interface screen is output to the user terminal to receive card information engraved or printed on the IC card and input card information is transmitted to the cash payment relay server (S133).

When IC cash payment information for card information is received from the cash payment relay server (S135), it is determined whether to first register the IC cash payment information as a payment card to be used for cost payment (S137). The user may select to preferentially register a payment card with IC cash payment information corresponding to the card information entered at the time of payment in the corresponding online payment server, or may register an additional payment card with IC cash payment information.

When registering as a payment card first, the payment card is first registered with the IC cash payment information corresponding to the entered card information (S138), and then, when paying expenses in the online payment server, the IC cash payment is performed using the first registered payment card can do.

However, when registering as an additional payment card, the payment card is additionally registered by adding it to other payment cards with the IC cash payment information corresponding to the entered card information. Payment can be made using one of the payment cards.

On the other hand, the above-described embodiments of the present invention can be written as a program that can be executed on a computer, and can be implemented in a general-purpose digital computer that operates the program using a computer-readable recording medium.

The computer-readable recording medium includes a magnetic storage medium (eg, ROM, floppy disk, hard disk, etc.), an optical reading medium (eg, CD-ROM, DVD, etc.), and a carrier wave (eg, Internet transmission through).

Although the present invention has been described with reference to the embodiments shown in the drawings, this is only exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be determined by the technical spirit of the attached claims.

100: user terminal 300: network
500: online payment server 600: bank server
700: cash payment relay server

Claims (6)

Receiving card information input by a user in a cash payment relay server;
transmitting the card information from the cash payment relay server to a bank company server;
receiving the IC cash payment information from the cash payment relay server if IC cash payment information mapped to the card information exists; and
and providing IC cash payment information from the cash payment relay server to a user terminal or an online payment server so that the online payment server performs IC cash payment using the IC cash payment information. relay method.
The method of claim 1, wherein the relaying method of the IC cash payment is
and registering the IC cash payment information in the online payment server.
The method of claim 2, wherein the cash payment relay server
and generating a security token corresponding to the IC cash payment information and providing the security token as IC cash payment information to the user terminal or online payment server.
The method of claim 1, wherein the relaying method of the IC cash payment is
and registering the payment card with the IC cash payment information when requesting registration of the payment card to the online payment server with the card information entered by the user.
The method of claim 1, wherein the relaying method of the IC cash payment is
When a payment card registration request is made to the online payment server with the card information input by the user, the IC cash payment card is registered with the IC cash payment information and the credit payment card is registered with the input card information at the same time. Payment relay method.
The method of claim 1, wherein in the intermediary method of the IC cash payment
When the online payment server receives a registration request for IC cash payment information for a pre-registered payment card, the step of extracting the card information of the pre-registered payment card and transmitting it to the cash payment relay server,
When the online payment server receives IC cash payment information for a pre-registered payment card from the bank company server through the cash payment relay server, it is characterized in that the payment card is registered with the received IC cash payment information. Intermediate method of IC cash settlement characterized by.

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