KR20230072072A - Method for paying cost in online payment server - Google Patents

Abstract

The present invention relates to a method for paying a fee in an online payment server using an IC card possessed by a user, and more specifically, an IC cash payment mapped to credit card information from credit card information written on an IC card possessed by a user. By using the IC cash payment information obtained by obtaining information from the bank company server, IC cash payment is possible when purchasing goods or services on online e-commerce sites, and the IC card is issued from the credit card number of the IC card held by the user. By determining whether IC cash payment is possible and acquiring IC cash payment information only when IC cash payment is possible, the user checks whether IC cash payment is possible with the IC card he or she possesses, and then conveniently purchases goods or items from online e-commerce sites. It is about how to use IC cash payment when purchasing services.

Description

Method for paying cost in IC cash payment mode in online payment server {Method for paying cost in online payment server}

The present invention relates to a method for paying a fee in an IC cash payment mode in an online payment server using an IC card possessed by a user, and more specifically, a credit card based on credit card information written on an IC card possessed by a user. By using the IC cash payment information obtained by acquiring the IC cash payment information mapped to the information from the server of the bank company, it is possible to make IC cash payment when purchasing goods or services on online e-commerce sites, and the credit of the IC card held by the user. By determining whether the corresponding IC card is capable of IC cash payment from the card number and obtaining IC cash payment information only when IC cash payment is possible, the user can conveniently check whether IC cash payment is possible with the IC card he or she possesses. It relates to a method for using IC cash payment when purchasing goods or services on an online e-commerce site.

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 cash card with cash withdrawal function as a payment method. This service has the advantage of 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, the bigger reason for the insignificant amount and number of cases of IC cash payment is that hybrid IC cards, 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, are being spread. It is not equipped with 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 for some financial companies' IC cards or IC cash payment is not possible for some hybrid IC cards. .

Therefore, from the point of view of consumers and merchants, IC cash payment is advantageous and tries to perform IC cash payment.

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 not possible in an online e-commerce site, that is, an online payment server.

The present invention is intended to solve the above-mentioned problems, and an object of the present invention is to obtain IC cash payment information from credit card information printed or engraved on an IC card possessed by a user, and to obtain goods or services from an online e-commerce site. It is to provide a cost payment method in an online payment server that enables IC cash payment when purchasing a service.

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 IC cash payment is possible with the corresponding IC card from the credit card number of the IC card possessed by the user. It is to provide a cost payment method in an online payment server that enables IC cash payment when purchasing goods or services on a commercial site.

In order to achieve the object of the present invention, a cost payment method in an online payment server according to the present invention includes the steps of receiving card information engraved or printed on an IC card owned by a user from a user terminal when purchasing goods or services through the online payment server. and acquiring IC cash payment information by requesting an inquiry to see if IC cash payment information mapped to the received card information exists, and using the obtained IC cash payment information to pay costs in IC cash payment mode in the online payment server. It is characterized in that it includes the step of making a payment.

Preferably, the cost payment method in the online payment server according to the present invention is characterized in that it further comprises the step of inputting a user command for selecting one of the credit payment mode and the IC cash payment mode from the user terminal.

Here, when IC cash payment information mapped to card information is acquired, a user command for selecting one of the credit payment mode and the IC cash payment mode is input.

The cost payment method in the online payment server according to the present invention is characterized by paying the cost in a credit payment mode using the received card information when it is checked that the IC cash payment information mapped to the card information does not exist. .

Preferably, in one embodiment of the present invention, the step of obtaining IC cash payment information includes the step of requesting an inquiry whether there is IC cash payment information mapped to the card information by transmitting the received card information, and responding to the inquiry request. and receiving IC cash payment information mapped to card information.

Preferably, in one embodiment of the present invention, the step of obtaining IC cash payment information further includes a step of firstly verifying whether IC cash payment is possible with the IC card possessed by the user by comparing the received card information with an impossible card list. and, if the primary verification of whether IC cash payment is possible with the IC card possessed by the user is successful, a search request is made to see if IC cash payment information mapped to the card information exists.

Preferably, the cost payment method in the online payment server according to the present invention further includes the step of mapping the obtained IC cash payment information and registering it as a payment card in the online payment server, and using the payment card registered by the user in the online payment server. When requested, it is characterized in that payment is performed in an IC cash payment mode using IC cash payment information mapped to a payment card.

A cost payment method in an online payment server according to another embodiment of the present invention includes the steps of inputting a user command for selecting one payment mode from a credit payment mode and an IC cash payment mode from a user terminal, and based on the input user command. providing a payment interface screen for inputting IC cash payment information to the user terminal when the IC cash payment mode is selected as the payment mode, and when IC cash payment information is entered through the payment interface screen, the IC It is characterized in that it includes the step of paying the cost in a cash payment mode.

Preferably, the cost payment method in the online payment server according to another embodiment of the present invention further includes the step of mapping the input IC cash payment information and registering it in the online payment server as a payment card, wherein the user registers in the online payment server It is characterized in that when an expense is requested with a payment card, the expense is paid in an IC cash payment mode using IC cash payment information mapped to the payment card.

The payment method in the online payment server according to the present invention acquires the IC cash payment information mapped to the credit card information from the credit card information printed or engraved on the IC card possessed by the user from the server of the bank, thereby obtaining the obtained IC cash. Using the payment information, IC cash payment is possible even on online e-commerce sites when purchasing goods or services.

On the other hand, the cost payment method in the online payment server according to the present invention determines whether IC cash payment is possible with the corresponding IC card from the credit card number of the IC card possessed by the user, and IC cash payment is possible only when IC cash payment is possible. By acquiring the information, the user can conveniently use 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.

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 online cost payment system according to the present invention.
3 is a diagram for explaining messages transmitted and received in an online cost payment system according to an embodiment of the present invention.
4 is a functional block diagram for explaining a cash payment relay server according to the present invention.
5 is a flowchart illustrating a cost payment method in an online payment server according to an embodiment of the present invention.
6 is a flowchart illustrating a cost payment method in an online payment server according to another embodiment of the present invention.
7 is a flowchart illustrating an example of a method of determining whether an IC cash payment is possible with an IC card possessed by a user according to the present invention.
8 is a diagram for explaining an example of obtaining IC cash payment information for an IC card possessed by a user through an online payment server in the present invention.
9 is a diagram for explaining an example of paying a cost in an IC cash payment mode in an online payment server using an IC card possessed by a user.
10 is a diagram for explaining an example of inquiring IC cash payment information of an IC card possessed by a user through a user terminal.

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 method of paying a cost in an IC cash payment mode to an online payment server 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.

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.

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

Depending on the field to which the present invention is applied, the payment terminal 10 may be an online payment server used by a user when purchasing goods or services online. When making a payment in the credit payment mode using the online payment server, the user directly inputs credit payment information into the online payment server, and the payment can be made through the credit payment process based on the input credit payment information.

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 server 50 through the network 20. Here, the payment terminal 10 is a device that reads the cash payment information stored in the IC card presented by the user and performs payment, and the cash payment server 50 receives the bank information received 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 the cash payment information stored in the IC card and transmits payment details such as the input payment amount to the cash payment 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 server 50 may be used as the network 20 .

Here, the cash payment server 50 may include a Korea Financial Telecommunications and Clearings Institute server. Using the cash payment information and payment details received from the payment terminal 10, the cash payment is approved from the user's bank account linked to the IC card. do.

In this way, the payment process of reading the IC cash payment information stored in the user's IC card and approving the payment in the cash payment server 50 using the IC cash payment information is referred to as a cash payment process, and through the cash payment process, the IC card The payment mode for performing the payment of is referred to as the IC cash payment mode.

Depending on the field to which the present invention is applied, the payment terminal 10 may be an online payment server used by a user when purchasing goods or services online. When making a payment in the cash payment mode using the online payment server, the online payment server transmits the IC cash payment information entered by the user or obtained from a separate cash payment relay server or bank company server to the cash payment server to process the cash payment. Payment can be made with

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. Since an IC card in which a cash card is integrated into a single card is being issued, a user can pay expenses by selecting one of the payment modes, either a credit payment process or a cash payment process, using the IC card possessed by the user.

These credit payment processes and cash payment processes can also be used for cost settlement in an online e-commerce site, for example, an online payment server such as an online shopping mall. FIG. 2 is a diagram for explaining an online payment system according to the present invention. am.

Looking more specifically with reference to FIG. 2 , the user terminals 101 and 103 , the online payment server 500 , the bank company server 600 and the cash payment relay server 700 are connected to the network 300 . Here, the network 300 includes various types of wired or wireless networks capable of transmitting and receiving data between the user terminals 101 and 103, the online payment server 500, the bank company server 600, and the cash payment relay server 700. can be used

The user can access the e-commerce site provided by the online payment server 500 through the user terminals 101 and 103 and purchase goods or services. In order to make a payment, it is first necessary to check whether IC cash payment is possible with an IC card possessed by the user, and if IC cash payment is possible, IC cash payment information must be acquired.

When the online payment server 500 provides an interface screen for obtaining IC cash payment information to the user terminals 101 and 103, the user inputs the card information printed or engraved on the IC card into the interface screen and the input card Information is provided to the online payment server 500 . Here, the card information may include a card serial number, expiration date, etc. printed or engraved on the IC card.

The online payment server 500 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 transferred to the cash payment relay server 700 send to The cash payment relay server 700 transmits card information to the bank company server 600 again.

However, when it is first verified that IC cash payment is not possible with the corresponding IC card, the online payment server 500 provides an impossibility notification message indicating that IC cash payment is impossible to the user terminals 101 and 103 .

Depending on the field to which the present invention is applied, a primary verification of whether IC cash payment is possible with the corresponding IC card may be performed in the cash payment relay server 700 .

The bank company server 600 stores card information and IC cash payment information mapped to the card information. final verification. When final verification is completed that IC cash payment is possible with the IC card possessed by the user, the bank company server 600 provides 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 user uses the IC cash payment information to the online payment server (500). 500), the payment can be made in the IC cash payment mode.

Preferably, when receiving IC cash payment information, the online payment server 500 may map the received IC cash payment information to user member information and register it as a payment card. After registering IC cash payment information as a payment card, the user can pay for the purchase of goods or services in IC cash payment mode using the payment card registered when purchasing goods or services in the online payment server.

However, when it is finally verified that IC cash payment is impossible with the corresponding IC card, the cash payment relay server 700 provides an impossible notification message indicating that IC cash payment is impossible to the user terminal 100 or the online payment server 500. do.

Depending on the field to which the present invention is applied, the user directly accesses the cash payment relay server 700 through the user terminal 101 without using the online payment server 500 and inputs card information printed or engraved on the IC card. Thus, card information may be provided to the cash payment relay server 700 . In this case, the user terminal 101 receives IC cash payment information mapped to card information from the cash payment relay server 700, and then the user visits the site of the online payment server to be used through the user terminals 101 and 103. After accessing and selecting the payment mode as the IC cash payment mode, the received IC cash payment information is provided to the online payment server 500 to pay the cost in the IC cash payment mode.

3 is a diagram for explaining messages transmitted and received in an online cost payment system according to an embodiment of the present invention.

Referring to FIG. 3 in more detail, the user terminal transmits card information printed or engraved on the IC card possessed by the user to the online payment server (S10). When the online payment server receives card information, it transmits an inquiry request message including the card information to the cash payment relay server (S20), and the cash payment relay server transmits the inquiry request message to the bank company server again (S21). .

The bank company server searches for IC cash payment information mapped to card information, and if there is IC cash payment information mapped to card information, it transmits the searched IC cash payment information to the cash payment relay server (S30). The payment relay server again transmits the IC cash payment information to the online payment server (S40).

Depending on the field to which the present invention is applied, the cash payment relay server generates a security token mapped to the IC cash payment information instead of providing the IC cash payment information received from the bank company server to the online payment server as it is, and the received IC cash payment information Instead, security tokens can be provided as IC cash payment information. The security token generated here is mapped to the received IC cash payment information and stored in the cash payment relay server.

After that, the user can purchase goods or services in the IC cash payment mode using the IC cash payment information from the online payment server. The online payment server provides the IC cash payment information when the user purchases goods or services in the IC cash payment mode. A payment request message is generated and transmitted to the cash payment relay server (S50).

The cash payment relay server transmits the payment request message back to the bank company server so that the online payment server makes payment in the IC cash payment mode (S51).

Depending on the field to which the present invention is applied, a security token may be stored as IC cash payment information in the payment request message transmitted from the online payment server to the cash payment relay server. The cash payment relay server extracts the security token of the payment request message and , IC cash payment information mapped to the extracted security token is searched, the security token is replaced with the retrieved IC cash payment information, the payment request message is modified, and the modified payment request message can be transmitted to the bank company server.

4 is a functional block diagram illustrating an online payment server according to the present invention.

Looking more specifically with reference to FIG. 4 , the transceiver 510 transmits and receives data to and from the user terminal, the bank server, and the cash payment relay server.

When card information engraved or printed on the IC card possessed by the user is received from the user terminal through the transmitter/receiver 510, the verification unit 520 determines whether IC cash payment is possible with the corresponding IC card based on the received card information. 1st verification

Preferably, the database unit 530 stores a list of unavailable cards for which IC cash payment is impossible. The verification unit 520 compares the list of unavailable cards with the card information of the corresponding IC card to determine whether IC cash payment is possible with the corresponding IC card. 1st verification For example, the disabled card list may store an IC card issued by a bank where IC cash payment is not possible based on bank identification information (BIN) among card information as a disabled card list.

Here, the impossible card list is a list for primary verification of IC cards capable of IC cash payment. Depending on the field to which the present invention is applied, the database unit 530 has the same function as the list of possible cards capable of IC cash payment instead of the impossible card list. can be stored for, which is within the scope of the present invention.

If the primary verification is successful, the received card information is transmitted to the bank company server or cash payment relay server through the transceiver 510. In response to this, the information acquisition unit 550 transmits the bank company through the transceiver 510. IC cash payment information mapped to card information is obtained from the server or the cash payment relay server.

The payment unit 570 settles the cost in the IC cash payment mode based on the acquired IC cash payment information and the payment request command received from the user terminal. More specifically, when a payment request command is received from the user terminal, a payment request message is generated from the cost information of goods or services and IC cash payment information, and the generated payment request message is sent to the bank company server or It transmits to the cash payment relay server and processes the cost payment in IC cash payment mode. Here, the payment request message may be transmitted to the bank company server through the cash payment server according to the cash payment process described above, and a detailed description thereof will be omitted.

Preferably, in one embodiment of the present invention, the payment unit 570 selects a payment mode from the user terminal when payment is possible in a credit payment mode or an IC cash payment mode using an IC card possessed by the user. It receives a command and processes cost payment in one of the credit payment mode or IC cash payment mode according to the selection command.

Preferably, in case of obtaining IC cash payment information mapped to card information in another embodiment of the present invention, the payment unit 570 directly processes payment in IC cash payment mode without inquiring the user terminal about the payment mode. can do.

Meanwhile, when the information acquisition unit 550 transmits the card information to the bank company server or the cash payment relay server and fails to receive the IC cash payment information mapped to the card information from the bank company server or the cash payment relay server in response, Through the transceiver 510, an impossibility notification message notifying that IC cash payment is not possible with the IC card carried by the user terminal is transmitted.

Meanwhile, the card register 580 may register the acquired IC cash payment information as a payment card. When the card register 580 receives a registration request command from the user terminal, the card register 580 maps the acquired IC cash payment information to user member information. and registered as a payment card in the database unit 530.

Depending on the field to which the present invention is applied, the card registration unit 580 maps the acquired IC cash payment information to user member information even if it does not receive a separate registration request command from the user terminal and registers it as a payment card in the database unit 530. can do.

Then, when a payment is requested for purchase of goods or services by a payment card using the online payment server, the payment unit 570 makes an IC cash payment using the IC cash payment information mapped to user member information in the database unit 530. You can process payment by mod.

In another embodiment of the present invention, the user can directly access the cash payment relay server and acquire IC cash payment information for the IC card possessed by the user. In this case, the information acquisition unit 550 transmits the IC cash payment information to the user. It is directly received from the terminal, and the payment unit 570 may process the payment in the IC cash payment mode by using the IC cash payment information received for the purchase cost of goods or services. Meanwhile, the card registration unit 580 may register the acquired IC cash payment information as a payment card in the database unit 530 by mapping the acquired IC cash payment information to user member information.

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

Referring to FIG. 5 in more detail, the online payment server receives card information engraved or printed on an IC card owned by the user from the user terminal (S110).

The online payment server inquires whether IC cash payment is possible with the IC card possessed by the user based on the received card information, and if IC cash payment is possible, acquires IC cash payment information mapped to the card information (S130).

If IC cash payment is possible, the online payment server processes the purchase cost of goods or services in IC cash payment mode (S150). Meanwhile, the obtained IC cash payment information is registered as a payment card in the online payment server, and then the user can pay in the IC cash payment mode using the IC cash payment information registered as the payment card (S170).

However, if IC cash payment is not possible with the IC card possessed by the user, the online payment server uses the received card information to process the purchase cost of goods or services in a credit payment mode (S190).

According to an embodiment of the present invention, in the payment method in the online payment server, the online payment server can directly process the payment in the IC cash payment mode without asking the user about the payment mode when IC cash payment is possible with the IC card possessed by the user. However, the online payment server temporarily stores the received card information until an inquiry is completed as to whether IC cash payment is possible with the IC card possessed by the user. If IC cash payment is possible with the user's IC card, payment is processed directly in IC cash payment mode. However, if it is found that IC cash payment is not possible, the user terminal is not additionally requested for card information or whether to pay in credit payment mode. Payment can be processed in the credit payment mode using the temporarily stored card information.

6 is a flowchart illustrating a cost payment method in an online payment server according to another embodiment of the present invention.

Referring to FIG. 6 in more detail, the online payment server receives card information engraved or printed on an IC card owned by the user from the user terminal (S210).

The online payment server inquires whether IC cash payment is possible with the IC card possessed by the user based on the received card information, and if IC cash payment is possible, acquires IC cash payment information mapped to the card information (S230).

If IC cash payment is possible, it is determined whether a selection command requesting payment in the IC cash payment mode among the credit payment mode and the IC cash payment mode is received from the user terminal (S250).

When payment is requested in the IC cash payment mode according to the selection command, the purchase cost purchased by the user using the online payment server is processed in the IC cash payment mode (S270). Meanwhile, the acquired IC cash payment information is registered as a payment card in the online payment server, and then the user can pay in the IC cash payment mode using the IC cash payment information registered as the payment card (S290).

However, when payment is requested in the credit payment mode according to the selection command, the online payment server uses the received card information to process the purchase cost of goods or services in the credit payment mode (S280).

7 is a flowchart illustrating an example of a method of determining whether an IC cash payment is possible with an IC card possessed by a user according to the present invention.

Looking more specifically with reference to FIG. 7 , when receiving card information of an IC card possessed by a user from a user terminal, the online payment server first determines whether IC cash payment is possible with the IC card possessed by the user based on the card information. It is verified (S131).

Preferably, the online payment server first verifies whether IC cash payment is possible with the IC card of the received card information based on the disabled card list or the enabled card list stored in the database unit.

When it is first verified that IC cash payment is possible, the received card information is transmitted to the bank company server or sent to the bank company server through the cash payment relay server (S135), from the bank server or through the cash payment relay server. It is finally verified whether IC cash payment is possible with the IC card possessed by the user by checking whether the IC cash payment information mapped to the card information is received from the bank company server (S137).

Preferably, the bank company server stores card information of an IC card issued by the bank and IC cash payment information mapped to the corresponding IC card. IC cash payment information mapped to the information is provided to the online payment server.

However, as a result of the first verification or the final verification, if it is determined that IC cash payment is impossible with the IC card possessed by the user, an impossibility notification message is transmitted to the user terminal (S133).

8 is a diagram for explaining an example of obtaining IC cash payment information for an IC card possessed by a user through an online payment server in the present invention.

Looking more specifically with reference to FIG. 8 , when a user accesses a shopping mall site provided by an online payment server, purchases a product from the shopping mall site, and pays for the purchase cost in IC cash payment mode, the IC possessed by the user You should check if IC cash payment is possible with a card.

The user inputs the card information engraved or printed on his or her IC card on the interface screen of the shopping mall site and provides it to the online payment server. You can inquire whether IC cash payment is possible with your IC card.

9 is a diagram for explaining an example of paying a cost in an IC cash payment mode in an online payment server using an IC card possessed by a user.

As shown in FIG. 9, when it is confirmed that IC cash payment is possible with an IC card possessed by the user, an icon for selecting a payment mode between credit payment and IC cash payment is activated on the user interface screen for payment. . The user can pay in a payment mode desired by the user by selecting one of the icons for selecting a payment mode.

However, if it is determined that IC cash payment is not possible with the IC card possessed by the user, it is possible to pay the cost in a credit payment mode using the previously entered card information.

Preferably, when it is determined that IC cash payment is possible with an IC card possessed by a user according to the field to which the present invention is applied, a separate icon for selecting a payment mode from among IC cash payment mode and credit payment mode is not activated. You can pay your bills directly in the IC cash payment mode.

10 is a diagram for explaining an example of inquiring IC cash payment information of an IC card possessed by a user through a user terminal.

As shown in FIG. 10(a), the user terminal inputs card information of an IC card possessed by the user through an interface screen provided by a cash payment relay server or a bank company server.

As shown in FIG. 10(b), the cash payment relay server or the bank server server provides the IC cash payment information mapped to the card information to the user terminal when IC cash payment is possible with the user's IC card. do.

However, if IC cash payment is not possible with the IC card possessed by the user, an impossibility notification message is provided to the user through the interface screen as shown in FIG. 10(c).

Afterwards, the user accesses the online payment server and directly inputs the IC cash payment information obtained when purchasing goods or services into the online payment server to purchase the product in the IC cash payment mode.

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.

101, 103: user terminal 300: network
500: online payment server 600: bank server
700: cash payment relay server
510: transmission and reception unit 520: verification unit
530: database unit 550: information acquisition unit
570: payment unit 580: card registration unit

Claims (9)

In the method of paying the cost in the online payment server,
receiving card information engraved or printed on an IC card possessed by a user from a user terminal when a product or service is purchased through the online payment server;
obtaining IC cash payment information by requesting an inquiry to see if IC cash payment information mapped to the received card information exists; and
and paying the cost in the IC cash payment mode in the online payment server using the acquired IC cash payment information.
The method of claim 1, wherein the online cost payment method
and inputting a user command for selecting one of a credit payment mode and an IC cash payment mode from the user terminal.
The method of claim 2, wherein the online cost payment method
When acquiring the IC cash payment information mapped to the card information, a user command for selecting one of the credit payment mode and the IC cash payment mode is input.
The method of claim 1, in the online cost payment method
The online payment method characterized in that when it is inquired that the IC cash payment information mapped to the card information does not exist, the payment is made in a credit payment mode using the received card information.
The method of claim 1, wherein the step of obtaining the IC cash payment information
transmitting the received card information and requesting an inquiry whether IC cash payment information mapped to the card information exists; and
and receiving IC cash payment information mapped to the card information in response to the inquiry request.
6. The method of claim 5, wherein the obtaining of the IC cash payment information comprises:
Further comprising the step of firstly verifying whether IC cash payment is possible with the IC card possessed by the user by comparing the received card information with an impossible card list or an enabled card list,
and if the primary verification of whether IC cash payment is possible with the IC card possessed by the user is successful, a request is made to inquire whether IC cash payment information mapped to the card information exists.
The method of claim 1, wherein the online cost payment method
Further comprising registering the payment card in the online payment server by mapping the acquired IC cash payment information with the payment card;
and when a user requests a cost with the payment card registered in the online payment server, payment is performed in an IC cash payment mode using IC cash payment information mapped to the payment card.
In the method of paying the cost in the online payment server,
inputting a user command for selecting one payment mode from a credit payment mode and an IC cash payment mode from a user terminal;
providing a payment interface screen for inputting IC cash payment information to the user terminal when an IC cash payment mode is selected as a payment mode based on an input user command; and
and when the IC cash payment information is input through the payment interface screen, paying the cost in the IC cash payment mode in the online payment server.
The method of claim 8, wherein the online cost payment method
Further comprising registering the payment card in the online payment server by mapping the input IC cash payment information and the payment card;
and when a user requests a cost with the payment card registered in the online payment server, payment is performed in an IC cash payment mode using IC cash payment information mapped to the payment card.

Images