WO2012008668A1 - Serveur de traitement de paiements et son procédé de commande - Google Patents

Serveur de traitement de paiements et son procédé de commande Download PDF

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Publication number
WO2012008668A1
WO2012008668A1 PCT/KR2011/000473 KR2011000473W WO2012008668A1 WO 2012008668 A1 WO2012008668 A1 WO 2012008668A1 KR 2011000473 W KR2011000473 W KR 2011000473W WO 2012008668 A1 WO2012008668 A1 WO 2012008668A1
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WO
WIPO (PCT)
Prior art keywords
card
payment
information
user
payment processing
Prior art date
Application number
PCT/KR2011/000473
Other languages
English (en)
Korean (ko)
Inventor
백승빈
Original Assignee
Paick Seung Bin
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from KR1020110005468A external-priority patent/KR20120007434A/ko
Application filed by Paick Seung Bin filed Critical Paick Seung Bin
Publication of WO2012008668A1 publication Critical patent/WO2012008668A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Definitions

  • the present invention relates to a card payment method, and more particularly, a priority key is set to each of the at least one card information previously registered for each user, the payment key corresponding to each of the card information set priority according to the user's payment request
  • the present invention relates to a payment processing server for performing payment processing by transmitting and receiving payment keys between devices and a driving method thereof, and a terminal apparatus and a driving method thereof.
  • the damage cases also appear in various forms.
  • the most common damage cases are the damages caused by the loss of the card offline, and the damage cases when the card information is exposed to third parties when using the credit card online are also introduced as advanced damage cases.
  • keyboard hacking technologies for example keyboard hacking technologies. These keyboard hacking technologies are used to infiltrate card users' computer terminals and hack card numbers and passwords. Since the hacked information is used for small payments that do not require identity verification, credit card holders are inadvertently harmed.
  • Another case of damage is to steal the card user's access information (ID and password), read the credit information, combine and complete 16 digits of the card number, and use the vulnerability of the credit card payment system to charge and withdraw cyber money. Is also introduced.
  • a common cause of such damages cases is that information such as card numbers are exposed to third parties. Therefore, if the card payment can be made without providing the card information to the third party, it will be possible to prevent the above-mentioned damages in advance.
  • the present invention was created in view of the above circumstances, and an object of the present invention is to extract one or more card information previously registered for each user according to a card payment request, and to give priority to each of the extracted card information.
  • the card list is configured according to the set priority by setting a priority, and a payment key corresponding to each card information on the card list is issued to replace each card information constituting the card list with the issued payment key.
  • Provided to the device and provides a payment processing server for receiving the card selection information according to the specific card selection on the card list consisting of the payment key from the terminal device to perform the payment processing and its driving method, so that the user personal information at the time of card payment To prevent exposure to the outside.
  • the present invention was created in view of the above circumstances, and an object of the present invention is to receive a payment key-based card list issued to correspond to each of one or more card information previously registered according to a card payment request.
  • a terminal device for requesting payment processing by transmitting card selection information corresponding to a specific card selection on the card list to a payment processing server and a method of driving the same, to prevent user personal information from being exposed to the outside during card payment. .
  • a payment processing server the server, card information extraction unit for extracting one or more card information registered for each user according to the card payment request; A list construction unit for setting priority of each extracted card information to form a card list according to the set priority; An information providing unit for issuing a payment key corresponding to each card information on the card list and replacing each card information constituting the card list with the issued payment key to a terminal device; And a payment processing unit configured to receive card selection information according to a specific card selection on the card list configured as the payment key from the terminal device and perform payment processing.
  • the card information extraction unit characterized in that for storing the at least one card information based on the user identification information for the user identification input from the user or the user identification information automatically transmitted from the connected terminal device; Process Server.
  • the card information extraction unit characterized in that for receiving the card payment request from the terminal device in accordance with the online payment processing using the terminal device.
  • the card information extraction unit characterized in that for receiving the card payment request including the identification code from the terminal device in accordance with a scan operation of the identification code using the terminal device.
  • the card information extraction unit characterized in that for extracting one or more card information previously registered for each user based on the user identification information included in the card payment request.
  • the list structure unit characterized in that for setting the priority for each of the extracted card information based on the product information for each merchant included in the card payment request and the predetermined reference information for each user.
  • the information providing unit in combination with one or more user input information including the card information, characterized in that for issuing the payment key in real time.
  • the information providing unit may reissue the payment key when the card selection information is not received during the setting time.
  • the payment processing unit checks a specific payment key included in the card selection information, and transmits the card information corresponding to the specific payment key to a payment agency server to request a payment processing linked with a card company server. It features.
  • a terminal device a payment request unit for receiving a payment key-based card list issued to correspond to each of one or more card information previously registered according to a card payment request; And a payment interlocking unit that transmits card selection information corresponding to a specific card selection on the card list to a payment processing server to request a payment processing.
  • the card list includes product information for each affiliate store included in the card payment request and a user. It is characterized by being configured based on the priority set according to the predetermined reference information for each.
  • the payment request unit characterized in that for transmitting the card payment request to the payment processing server in accordance with the user request online.
  • the payment request unit according to a scan operation for the identification code, characterized in that for transmitting the card payment request including the identification code to the payment processing server.
  • the payment key is characterized in that is issued in real time through a combination of one or more user input information including the card information.
  • the payment key is reissued from the payment processing server when the card selection information is not transmitted for a set time.
  • the payment interlocking unit transmits card selection information including a payment key corresponding to the selected specific card to the payment processing server to request payment processing based on card information corresponding to the payment key. It features.
  • a method of driving a payment processing server comprising: extracting at least one card information previously registered for each user according to a card payment request; A list construction step of setting a priority for each extracted card information to form a card list according to the set priority; An information providing step of issuing a payment key corresponding to each of the card information on the card list and replacing each card information constituting the card list with the issued payment key and providing it to the terminal device; And a payment processing step of performing payment processing by receiving card selection information according to a specific card selection on the card list configured as the payment key from the terminal device.
  • the extracting of the card information may include extracting the at least one card information registered based on user identification information for user identification input from a user or user identification information automatically transmitted from the connected terminal device. It features.
  • the card information extraction step characterized in that for receiving the card payment request from the terminal device in accordance with the online payment processing using the terminal device.
  • the card information extraction step characterized in that for receiving the card payment request including the identification code from the terminal device in accordance with the scan operation of the identification code using the terminal device.
  • the card information extraction step characterized in that for extracting one or more card information previously registered for each user based on the user identification information included in the card payment request.
  • the list construction step is characterized by setting the priority for each of the extracted card information based on the product information for each affiliate store included in the card payment request and the predetermined reference information for each user.
  • the information providing step may include issuing the payment key in real time by combining one or more user input information including the card information.
  • the payment processing step a payment key confirmation step of confirming a specific payment key included in the card selection information; And a payment request step of transmitting the card information corresponding to the specific payment key to a payment agency server and requesting a payment process linked with the card company server.
  • the method further comprises a key re-issuing step of reissuing the payment key if the card selection information is not received for a set time.
  • a method of driving a terminal device comprising: a payment request step of transmitting a card payment request according to a user request; A list receiving step of receiving a payment key-based card list issued to correspond to each of at least one card information previously registered from a payment processing server according to the card payment request; And a card selection step of requesting payment processing by transmitting card selection information corresponding to a specific card selection on the card list to the payment processing server, wherein the card list includes product information for each affiliate store included in the card payment request. And based on a priority set according to predetermined reference information for each user.
  • the payment request step characterized in that for transmitting the card payment request to the payment processing server in accordance with the user request on-line.
  • the payment request step according to the scan operation for the identification code, characterized in that for transmitting the card payment request including the identification code to the payment processing server.
  • the payment key is a real-time issue from the payment processing server through a combination of one or more user input information including the card information.
  • the payment key is reissued from the payment processing server when the card selection information is not transmitted for a set time.
  • the card selection information including the payment key corresponding to the selected specific card is transmitted to the payment processing server to request a payment processing based on the card information corresponding to the payment key. Characterized in that.
  • a priority key is set to each of at least one card information registered for each user, and a payment key corresponding to each card information whose priority is set according to a payment request of a terminal device.
  • FIG. 1 is a schematic configuration diagram of a payment processing system according to a first embodiment of the present invention.
  • FIG. 2 is a schematic structural diagram of a terminal device according to a first embodiment of the present invention.
  • FIG. 3 is a schematic configuration diagram of a payment processing server according to a first embodiment of the present invention.
  • FIG. 4 is a schematic structural diagram of a payment processing system according to a second embodiment of the present invention.
  • FIG. 5 is a schematic structural diagram of a terminal device according to a second embodiment of the present invention.
  • FIG. 6 is a schematic configuration diagram of a payment processing server according to a second embodiment of the present invention.
  • FIG. 7 to 9 are schematic flowcharts illustrating a payment processing method according to a first embodiment of the present invention.
  • 10 to 12 are schematic flowcharts for explaining a payment processing method according to a second embodiment of the present invention.
  • card interface unit 120 data processing unit
  • card information extraction unit 220 list construction unit
  • FIG. 1 shows a schematic configuration diagram of a payment processing system according to a first embodiment of the present invention.
  • the system receives a card list for payment by transmitting a card payment request during an online payment process, and transmits card selection information to request a payment process and a terminal device.
  • Receiving the card payment request from the (100) provides the card list
  • the payment processing server (200, MPG; Mobile Payment Gateway) for performing the payment processing based on the card selection information received from the terminal device (100)
  • MPG Mobile Payment Gateway
  • the system may have a configuration including a payment agency server 300 and the card company server 400 to perform a substantial payment processing in accordance with the request of the payment processing server 200, in addition to the payment agency server 300 It may further include a merchant terminal device 500 for receiving a payment processing result from.
  • the terminal device 100 may correspond to various terminals capable of directly accessing online, such as a personal PC or a smart phone, as well as a mobile terminal that can be linked when the user selects a mobile phone payment online.
  • the payment agent server 300 corresponds to a value-added network (VAN) server and a payment gateway (PG) server, and the payment agent server 300 is a card company server 400 at the request of the payment processing server 200. ) And the actual payment process.
  • VAN value-added network
  • PG payment gateway
  • the terminal device 100 receives the card list by transmitting the card payment request in response to a user request online. More specifically, the terminal device 100 transmits a card payment request to the payment processing server 200 according to a user's request online, and is issued to correspond to each of one or more card information previously registered from the payment processing server 200.
  • the card list based on the payment key is received and the card list is displayed in the form of an image, for example. That is, the terminal device 100 does not receive a card list composed of substantial card information such as a card number and an expiration date according to the card payment request, but generates the data in real time through a combination of various user input information including corresponding card information.
  • the received card list is received with a priority set based on user-specified reference information such as a discount rate and an accumulation rate according to the card payment request.
  • the terminal device 100 transmits card selection information corresponding to a specific card selection on the card list to the payment processing server 200 to request payment processing. More specifically, when a specific card is selected according to the user's selection on the display screen for the card list, the terminal device 100 sends the card selection information including the payment key corresponding to the selected card to the payment processing server 200. By transmitting, the payment process is requested based on the card information mapped to the payment key.
  • the card selection information further includes payment information, that is, password and payment amount information of the selected card, as well as the payment key, for the actual payment processing of the payment processing server 200.
  • the payment processing server 200 extracts one or more card information previously registered for each user according to a card payment request received from the terminal device 100. More specifically, the payment processing server 200 stores previously registered card information, for example, the card company name, card number and expiration date for each user. In addition, the payment processing server 200 additionally stores user identification information for user identification inputted from a user or automatically transmitted from the connected terminal device 100. Here, the user identification information is given uniqueness such as a device serial number, a MAC address (Media Access Control address), a phone number, a user identity information recorded in a subscriber identity module (SIM) chip, or a storage device in the terminal device 100. Refers to the information obtained. Based on this, the payment processing server 200 checks user identification information included in the card payment request received from the terminal device 100 and extracts one or more card information previously registered for each user based on the confirmed information.
  • SIM subscriber identity module
  • the payment processing server 200 sets a priority for each extracted card information to form a card list according to the set priority. More specifically, the payment processing server 200 stores in advance additional information such as point card information, discount information, interest-free installment information, and point accumulation rate information with respect to each card information previously registered for each user. Based on this, the payment processing server 200 checks the merchant information and the product information included in the card payment request received from the terminal device 100, and pre-specified benefit information for each merchant product and reference information previously designated by the user. For example, by setting the priority of each extracted card information on the basis of the discount rate and the accumulation rate, the card list is constructed according to the set priority. On the other hand, if there is no user-specified reference information, it is preferable that the payment processing server 200 sets priority by designating arbitrary information such as a discount rate as reference information.
  • the payment processing server 200 issues a payment key corresponding to each card information on the card list and provides it to the terminal device 100. More specifically, the payment processing server 200 issues a payment key in real time by combining one or more user input information including respective card information, and replaces each issued card information constituting the card list with the issued payment key.
  • the payment processing server 200 reissues a payment key when feedback information, that is, card selection information is not received from the terminal device 100 for a set time.
  • the payment processing server 200 receives the card selection information according to the specific card selection on the card list composed of the payment key from the terminal device 100 and performs the payment processing. More specifically, the payment processing server 200 checks the payment key included in the card selection information, and adds to the card selection information together with the actual card information corresponding to the payment key, namely, the card company name, the card number, and the expiration date. By transmitting the payment information included, that is, the password and payment amount information of the selected card to the payment agency 300, the card company server 400 requests the payment processing in conjunction with.
  • the terminal device 100 determines the payment request unit 110 that receives the payment key-based card list issued to correspond to each of the previously registered card information according to the card payment request and the specific card selection on the card list.
  • the payment linkage unit 120 transmits the corresponding card selection information to the payment processing server 200 to request payment processing.
  • the payment request unit 110 transmits the card payment request according to a user request online to receive a card list. More specifically, the payment request unit 110 transmits the card payment request to the payment processing server 200 according to the user's request online, and is issued to correspond to each of one or more card information previously registered from the payment processing server 200. Received payment key-based card list and displayed in the form of an image, for example. That is, the payment requesting unit 110 does not receive a card list composed of substantial card information such as a card number and an expiration date according to the card payment request, but in real time through a combination of various user input information including corresponding card information.
  • the substantial card information is prevented from being exposed on the data transmission / reception node between the terminal device 100 and the payment processing server 200.
  • the received card list is received with a priority set based on user-specified reference information such as a discount rate and an accumulation rate according to the card payment request.
  • the payment interlocking unit 120 transmits card selection information corresponding to a specific card selection on the card list to the payment processing server 200 to request payment processing. More specifically, when a specific card is selected according to the user's selection on the display screen for the card list, the payment interlocking unit 120 displays the card selection information including the payment key corresponding to the selected card. By sending a request to the card, a payment process based on the card information mapped to the payment key is requested.
  • the card selection information further includes payment information, that is, password and payment amount information of the selected card, as well as the payment key, for the actual payment processing of the payment processing server 200.
  • the payment processing server 200 is the card information extraction unit 210 for extracting at least one card information registered for each user according to the card payment request, and set the priority for each of the extracted card information
  • the card information extracting unit 210 extracts one or more card information previously registered for each user according to a card payment request received from the terminal device 100. More specifically, the card information extraction unit 210 stores card information previously registered for each user, for example, a card company name, a card number, and an expiration date. In addition, the card information extraction unit 210 additionally stores user identification information for user identification, which is input from the user or automatically transmitted from the connected terminal device 100. Here, the user identification information is given uniqueness such as a device serial number, a MAC address (Media Access Control address), a phone number, a user identity information recorded in a subscriber identity module (SIM) chip, or a storage device in the terminal device 100. Refers to the information obtained. Based on this, based on this, the card information extracting unit 210 checks the user identification information included in the card payment request received from the terminal device 100 and at least one card previously registered for each user based on the confirmed information. Extract the information.
  • SIM subscriber identity module
  • the list constructing unit 220 configures a card list according to the set priority by setting a priority for each extracted card information. More specifically, the list construction unit 220 stores additional information such as point card information, discount information, interest-free installment information, and point accumulation rate information in advance with respect to each card information previously registered for each user. Based on this, the list constructing unit 220 checks the merchant information and the product information included in the card payment request received from the terminal device 100, and pre-specified benefit information for each merchant product and reference information previously designated by the user. For example, by setting the priority of each extracted card information on the basis of the discount rate and the accumulation rate, the card list is constructed according to the set priority. On the other hand, if there is no reference information specified by the user 220, it may be preferable to set the priority by specifying any information such as, for example, the discount rate as the reference information.
  • the information providing unit 230 issues a payment key corresponding to each card information on the card list and provides it to the terminal device 100. More specifically, the information providing unit 230 issues a payment key in real time by combining one or more user input information including respective card information, and replaces each issued card information constituting the card list with the issued payment key. By providing the terminal device 100, the substantial card information is prevented from being exposed on the data transmission / reception node between the terminal device 100 and the payment processing server 200. On the other hand, after providing the card list, the information providing unit 230 reissues the payment key when the feedback information, that is, the card selection information is not received from the terminal device 100 during the set time.
  • the payment processing unit 240 receives the card selection information according to the specific card selection on the card list composed of the payment key from the terminal device 100 and performs the payment processing. More specifically, the payment processing unit 240 checks the payment key included in the card selection information, and includes in the card selection information together with the actual card information corresponding to the corresponding payment key, that is, the card company name, the card number, and the expiration date. The payment information, that is, the password and payment amount information of the selected card is transmitted to the payment agency server 300, thereby requesting a payment process linked to the card company server 400.
  • FIG. 4 is a schematic structural diagram of a payment processing system according to a second embodiment of the present invention.
  • the system receives a card list for payment by transmitting a card payment request according to a scan operation of an identification code, and sends a card selection information to request a payment process.
  • the payment processing server 200 and MPG for receiving the card payment request from the terminal 100 and the terminal device 100 and providing the card list, and performing payment processing based on the card selection information received from the terminal device 100. ; Mobile Payment Gateway).
  • the system may have a configuration including a payment agency server 300 and the card company server 400 to perform a substantial payment processing in accordance with the request of the payment processing server 200, in addition to the payment agency server 300 Register the identification code to the merchant terminal device 500 and the payment processing server 200 to receive the payment processing result from the identification code information mapped to the corresponding identification code, for example, identification code for storing the merchant information and product identification information
  • the management server 600 may further include.
  • the payment agency server 300 corresponds to a value-added network (VAN) server and a payment gateway (PG) server
  • the payment agency server 300 is a card company server 400 at the request of the payment processing server 200.
  • VAN value-added network
  • PG payment gateway
  • the terminal device 100 transmits a card payment request including the corresponding identification code by scanning the identification code. More specifically, the terminal device 100 includes a corresponding identification code according to a scan operation for various identification codes including, for example, a QR code (Quick Response Code) and a barcode marked on a bill, a poster online page, and various advertisements.
  • a QR code Quick Response Code
  • a barcode marked on a bill, a poster online page and various advertisements.
  • Send a card payment request to the payment processing server 200 and receives a payment key-based card list issued to correspond to each of the at least one card information registered from the payment processing server 200 to display the corresponding card list, for example, an image. Display in the form of.
  • the terminal device 100 does not receive a card list composed of substantial card information such as a card number and an expiration date according to the card payment request, but generates the data in real time through a combination of various user input information including corresponding card information.
  • a card list configured based on the payment key
  • substantial card information is prevented from being exposed on the data transmission / reception node between the terminal device 100 and the payment processing server 200.
  • the received card list is received with a priority set based on user-specified reference information such as a discount rate and an accumulation rate according to the card payment request.
  • the terminal device 100 may employ NFC (Near Field Communication) technology in connection with the above-described identification code scan operation.
  • NFC Near Field Communication
  • the terminal device 100 receives data corresponding to the identification code from the NFC transmitter when the proximity to the NFC transmitter located in, for example, an article, a travel destination, a traffic service area, or the like based on short-range wireless communication technology.
  • the configuration of receiving a card list by transmitting a card payment request including a payment processing server 200 may also be applied.
  • the terminal device 100 transmits card selection information corresponding to a specific card selection on the card list to the payment processing server 200 to request payment processing. More specifically, when a specific card is selected according to the user's selection on the display screen for the card list, the terminal device 100 sends the card selection information including the payment key corresponding to the selected card to the payment processing server 200. By transmitting, the payment process is requested based on the card information mapped to the payment key.
  • the card selection information further includes payment information, that is, password and payment amount information of the selected card, as well as the payment key, for the actual payment processing of the payment processing server 200.
  • the payment processing server 200 extracts one or more card information previously registered for each user according to a card payment request received from the terminal device 100. More specifically, the payment processing server 200 stores previously registered card information, for example, card name, card number and expiration date for each user, and user identification information for user identification, for example, the MAC of the terminal device 100. The media access control address, telephone number, and the like are input from the user and stored in advance. Based on this, the payment processing server 200 checks user identification information included in the card payment request received from the terminal device 100 and extracts one or more card information previously registered for each user based on the confirmed information.
  • the payment processing server 200 checks user identification information included in the card payment request received from the terminal device 100 and extracts one or more card information previously registered for each user based on the confirmed information.
  • the payment processing server 200 sets a priority for each extracted card information to form a card list according to the set priority. More specifically, the payment processing server 200 stores previously registered card information, for example, the card company name, card number and expiration date for each user. In addition, the payment processing server 200 additionally stores user identification information for user identification inputted from a user or automatically transmitted from the connected terminal device 100. Here, the user identification information is given uniqueness such as a device serial number, a MAC address (Media Access Control address), a phone number, a user identity information recorded in a subscriber identity module (SIM) chip, or a storage device in the terminal device 100. Refers to the information obtained.
  • SIM subscriber identity module
  • the payment processing server 200 checks the identification code information mapped to the identification code, that is, merchant information and product information, and pre-specified benefit information for each merchant product, reference information previously designated by the user, such as a discount rate and By setting priorities for each of the extracted card information based on the accumulation rate and the like, a card list is constructed according to the set priorities. On the other hand, if there is no user-specified reference information, it is preferable that the payment processing server 200 sets priority by designating arbitrary information such as a discount rate as reference information.
  • the payment processing server 200 issues a payment key corresponding to each card information on the card list and provides it to the terminal device 100. More specifically, the payment processing server 200 issues a payment key in real time by combining one or more user input information including respective card information, and replaces each issued card information constituting the card list with the issued payment key.
  • the payment processing server 200 reissues a payment key when feedback information, that is, card selection information is not received from the terminal device 100 for a set time.
  • the payment processing server 200 receives the card selection information according to the specific card selection on the card list composed of the payment key from the terminal device 100 and performs the payment processing. More specifically, the payment processing server 200 checks the payment key included in the card selection information, and adds to the card selection information together with the actual card information corresponding to the payment key, namely, the card company name, the card number, and the expiration date. By transmitting the payment information included, that is, the password and payment amount information of the selected card to the payment agency 300, the card company server 400 requests the payment processing in conjunction with.
  • the terminal device 100 receives the payment key based card list issued to correspond to each of one or more card information registered according to the card payment request according to the identification code scanning operation, and the card.
  • the payment linkage unit 120 transmits the card selection information corresponding to the specific card selection on the list to the payment processing server 200 to request payment processing.
  • the payment request unit 110 transmits a card payment request including the corresponding identification code by scanning the identification code. More specifically, the payment request unit 110 may be configured to scan the identification code according to a scan operation for various identification codes including, for example, a QR code (Quick Response Code) and a barcode placed on a bill, a poster online page, and various advertisements.
  • the card payment request is transmitted to the payment processing server 200, and a payment key-based card list issued to correspond to each of the one or more card information registered from the payment processing server 200 is received. To display in the form of an image.
  • the payment requesting unit 110 does not receive a card list composed of substantial card information such as a card number and an expiration date according to the card payment request, but in real time through a combination of various user input information including corresponding card information.
  • the substantial card information is prevented from being exposed on the data transmission / reception node between the terminal device 100 and the payment processing server 200.
  • the received card list is received with a priority set based on user-specified reference information such as a discount rate and an accumulation rate according to the card payment request.
  • the payment request unit 110 may employ NFC (Near Field Communication) technology in connection with the above-described identification code scan operation.
  • NFC Near Field Communication
  • the payment request unit 110 based on the short-range wireless communication technology, for example, when the proximity to the NFC transmitter located in the article, travel destination, traffic service area, etc., receives the data corresponding to the identification code from the NFC transmitter,
  • the configuration of receiving a card list by transmitting a card payment request including data to the payment processing server 200 may also be applied.
  • the payment interlocking unit 120 transmits card selection information corresponding to a specific card selection on the card list to the payment processing server 200 to request payment processing. More specifically, when a specific card is selected according to the user's selection on the display screen for the card list, the payment interlocking unit 120 displays the card selection information including the payment key corresponding to the selected card. By sending a request to the card, a payment process based on the card information mapped to the payment key is requested.
  • the card selection information further includes payment information, that is, password and payment amount information of the selected card, as well as the payment key, for the actual payment processing of the payment processing server 200.
  • the payment processing server 200 is the card information extraction unit 210 for extracting at least one card information registered for each user according to the card payment request, and set the priority for each of the extracted card information
  • the card information extracting unit 210 extracts one or more card information previously registered for each user according to a card payment request received from the terminal device 100. More specifically, the card information extraction unit 210 stores card information previously registered for each user, for example, a card company name, a card number, and an expiration date. In addition, the card information extraction unit 210 additionally stores user identification information for user identification, which is input from the user or automatically transmitted from the connected terminal device 100. Here, the user identification information is given uniqueness such as a device serial number, a MAC address (Media Access Control address), a phone number, a user identity information recorded in a subscriber identity module (SIM) chip, or a storage device in the terminal device 100. Refers to the information obtained. Based on this, the card information extracting unit 210 checks the user identification information included in the card payment request received from the terminal device 100 and extracts one or more card information previously registered for each user based on the confirmed information. .
  • SIM subscriber identity module
  • the list constructing unit 220 configures a card list according to the set priority by setting a priority for each extracted card information. More specifically, the list construction unit 220 stores additional information such as point card information, discount information, interest-free installment information, and point accumulation rate information in advance with respect to each card information previously registered for each user, and an identification code. Identification code information mapped to an identification code registered from the management server 600, for example, store information and merchant identification information.
  • the list construction unit 220 checks the identification code information mapped to the identification code, that is, merchant information and product information, and pre-specified benefit information for each merchant product, reference information previously designated by the user, such as a discount rate and By setting priorities for each of the extracted card information based on the accumulation rate and the like, a card list is constructed according to the set priorities. On the other hand, if there is no reference information specified by the user 220, it may be preferable to set the priority by specifying any information such as, for example, the discount rate as the reference information.
  • the information providing unit 230 issues a payment key corresponding to each card information on the card list and provides it to the terminal device 100. More specifically, the information providing unit 230 issues a payment key in real time by combining one or more user input information including respective card information, and replaces each issued card information constituting the card list with the issued payment key. By providing the terminal device 100, the substantial card information is prevented from being exposed on the data transmission / reception node between the terminal device 100 and the payment processing server 200. On the other hand, after providing the card list, the information providing unit 230 reissues the payment key when the feedback information, that is, the card selection information is not received from the terminal device 100 during the set time.
  • the payment processing unit 240 receives the card selection information according to the specific card selection on the card list composed of the payment key from the terminal device 100 and performs the payment processing. More specifically, the payment processing unit 240 checks the payment key included in the card selection information, and includes in the card selection information together with the actual card information corresponding to the corresponding payment key, that is, the card company name, the card number, and the expiration date. The payment information, that is, the password and payment amount information of the selected card is transmitted to the payment agency server 300, thereby requesting a payment process linked to the card company server 400.
  • the priority is set to each of at least one card information that is pre-registered for each user, and to each of the card information whose priority is set according to the payment request of the terminal device.
  • the priority is set to each of at least one card information that is pre-registered for each user, and to each of the card information whose priority is set according to the payment request of the terminal device.
  • FIGS. 7 to 9 the configuration shown in FIGS. 1 to 3 will be described with reference to the corresponding reference numerals.
  • the terminal device 100 transmits the card payment request according to a user request online and receives a card list (S110).
  • the terminal device 100 transmits a card payment request to the payment processing server 200 according to a user request online.
  • the payment processing server 200 extracts one or more card information previously registered for each user according to the card payment request received from the terminal device 100 (S120).
  • the payment processing server 200 stores previously registered card information, for example, card company name, card number and expiration date for each user.
  • the payment processing server 200 additionally stores user identification information for user identification inputted from a user or automatically transmitted from the connected terminal device 100.
  • the user identification information is given uniqueness such as a device serial number, a MAC address (Media Access Control address), a phone number, a user identity information recorded in a subscriber identity module (SIM) chip, or a storage device in the terminal device 100. Refers to the information obtained.
  • the payment processing server 200 checks user identification information included in the card payment request received from the terminal device 100 and extracts one or more card information previously registered for each user based on the confirmed information.
  • the payment processing server 200 sets the priority for each extracted card information to form a card list according to the set priority (S130-S140).
  • the payment processing server 200 stores additional information such as point card information, discount information, interest-free installment information, and point accumulation rate information in advance with respect to each card information previously registered for each user.
  • the payment processing server 200 checks the merchant information and the product information included in the card payment request received from the terminal device 100, and pre-specified benefit information for each merchant product and reference information previously designated by the user. For example, by setting the priority of each extracted card information on the basis of the discount rate and the accumulation rate, the card list is constructed according to the set priority.
  • the payment processing server 200 sets priority by designating arbitrary information such as a discount rate as reference information.
  • the payment processing server 200 issues a payment key corresponding to each of the card information on the card list and provides it to the terminal device 100 (S150-S170).
  • the payment processing server 200 issues a payment key in real time by combining one or more user input information including respective card information, and replaces each card information constituting the card list with the issued payment key.
  • the substantial card information is prevented from being exposed on the data transmission / reception node between the terminal device 100 and the payment processing server 200.
  • the payment processing server 200 reissues a payment key when feedback information, that is, card selection information is not received from the terminal device 100 for a set time.
  • the terminal device 100 receives the payment key-based card list issued to correspond to each of the previously registered card information from the payment processing server 200 and displays the corresponding card list in the form of an image, for example. (S180).
  • the terminal device 100 transmits the card selection information corresponding to the specific card selection on the card list to the payment processing server 200 to request payment processing (S190-S200).
  • the terminal device 100 sends the card selection information including the payment key corresponding to the selected card to the payment processing server 200.
  • the card selection information further includes payment information, that is, password and payment amount information of the selected card, as well as the payment key, for the actual payment processing of the payment processing server 200.
  • the payment processing server 200 receives card selection information corresponding to a specific card selection on the card list configured as the payment key from the terminal device 100 and performs payment processing (S210-S260).
  • the payment processing server 200 checks the payment key included in the card selection information, and adds to the card selection information together with the actual card information corresponding to the corresponding payment key, that is, the card company name, the card number, and the expiration date.
  • the card company server 400 requests the payment processing in conjunction with.
  • the card payment request is transmitted online according to a user's request to receive a card list (S310-S330).
  • the payment request unit 110 transmits the card payment request to the payment processing server 200 according to the user's request online, and is issued to correspond to each of at least one card information previously registered from the payment processing server 200.
  • Received payment key-based card list and displayed in the form of an image, for example. That is, the payment requesting unit 110 does not receive a card list composed of substantial card information such as a card number and an expiration date according to the card payment request, but in real time through a combination of various user input information including corresponding card information.
  • the substantial card information is prevented from being exposed on the data transmission / reception node between the terminal device 100 and the payment processing server 200.
  • the received card list is received with a priority set based on user-specified reference information such as a discount rate and an accumulation rate according to the card payment request.
  • the card selection information corresponding to the specific card selection on the card list is transmitted to the payment processing server 200 to request payment processing (S340-S370).
  • the payment processing server 200 displays card selection information including a payment key corresponding to the selected card.
  • the card selection information further includes payment information, that is, password and payment amount information of the selected card, as well as the payment key, for the actual payment processing of the payment processing server 200.
  • the card information extraction unit 210 stores previously registered card information for each user, for example, a card company name, a card number, and an expiration date.
  • the card information extraction unit 210 additionally stores user identification information for user identification, which is input from the user or automatically transmitted from the connected terminal device 100.
  • the user identification information is given uniqueness such as a device serial number, a MAC address (Media Access Control address), a phone number, a user identity information recorded in a subscriber identity module (SIM) chip, or a storage device in the terminal device 100. Refers to the information obtained.
  • the card information extracting unit 210 checks the user identification information included in the card payment request received from the terminal device 100 and extracts one or more card information previously registered for each user based on the confirmed information. .
  • the list construction unit 220 stores additional information such as point card information, discount information, interest-free installment information, and point accumulation rate information in advance with respect to each card information previously registered for each user. Based on this, the list constructing unit 220 checks the merchant information and the product information included in the card payment request received from the terminal device 100, and pre-specified benefit information for each merchant product and reference information previously designated by the user. For example, by setting the priority of each extracted card information on the basis of the discount rate and the accumulation rate, the card list is constructed according to the set priority. On the other hand, if there is no reference information specified by the user 220, it may be preferable to set the priority by specifying any information such as, for example, the discount rate as the reference information.
  • a payment key corresponding to each of the card information on the card list is issued and provided to the terminal device 100 (S470-S490).
  • the information providing unit 230 issues a payment key in real time by combining one or more user input information including respective card information, and replaces each issued card information constituting the card list with the issued payment key.
  • the substantial card information is prevented from being exposed on the data transmission / reception node between the terminal device 100 and the payment processing server 200.
  • the information providing unit 230 reissues the payment key when the feedback information, that is, the card selection information is not received from the terminal device 100 during the set time.
  • the card 100 receives card selection information corresponding to a specific card selection on the card list configured as the payment key from the terminal device 100 and performs a payment process (S500-S530).
  • the payment processing unit 240 checks the payment key included in the card selection information, and includes in the card selection information together with the actual card information corresponding to the payment key, namely, the card company name, the card number, and the expiration date.
  • the payment information that is, the password and payment amount information of the selected card is transmitted to the payment agency server 300, thereby requesting a payment process linked to the card company server 400.
  • FIGS. 10 to 12 the payment processing method according to the second embodiment of the present invention will be described with reference to FIGS. 10 to 12.
  • the configuration shown in FIGS. 4 to 6 will be described with reference to the corresponding reference numerals.
  • the terminal device 100 transmits a card payment request including the corresponding identification code by scanning the identification code (S610-S620).
  • the terminal device 100 includes a corresponding identification code according to a scan operation for various identification codes including, for example, a QR code (Quick Response Code) and a barcode located on a bill, a poster online page, and various advertisements.
  • the card payment request is transmitted to the payment processing server (200).
  • the terminal device 100 may employ NFC (Near Field Communication) technology in connection with the above-described identification code scan operation.
  • the terminal device 100 receives data corresponding to the identification code from the NFC transmitter when the proximity to the NFC transmitter located in, for example, an article, a travel destination, a traffic service area, or the like based on short-range wireless communication technology.
  • the configuration for transmitting the card payment request including the payment processing server 200 can also be applied.
  • the payment processing server 200 extracts one or more card information previously registered for each user according to the card payment request received from the terminal device 100 (S630).
  • the payment processing server 200 stores previously registered card information, for example, card company name, card number and expiration date for each user.
  • the payment processing server 200 additionally stores user identification information for user identification inputted from a user or automatically transmitted from the connected terminal device 100.
  • the user identification information is given uniqueness such as a device serial number, a MAC address (Media Access Control address), a phone number, a user identity information recorded in a subscriber identity module (SIM) chip, or a storage device in the terminal device 100. Refers to the information obtained.
  • the payment processing server 200 checks user identification information included in the card payment request received from the terminal device 100 and extracts one or more card information previously registered for each user based on the confirmed information.
  • the payment processing server 200 sets the priority for each of the extracted card information to configure the card list according to the set priority (S640-S650).
  • the payment processing server 200 previously stores additional information, such as point card information, discount information, interest-free installment information, and point accumulation rate information, with respect to each card information previously registered for each user, and an identification code.
  • Identification code information mapped to an identification code registered from the management server 600, for example, store information and merchant identification information.
  • the payment processing server 200 checks the identification code information mapped to the identification code, that is, merchant information and product information, and pre-specified benefit information for each merchant product, reference information previously designated by the user, such as a discount rate and By setting priorities for each of the extracted card information based on the accumulation rate and the like, a card list is constructed according to the set priorities. On the other hand, if there is no user-specified reference information, it is preferable that the payment processing server 200 sets priority by designating arbitrary information such as a discount rate as reference information.
  • the payment processing server 200 issues a payment key corresponding to each of the card information on the card list and provides it to the terminal device 100 (S660-S680).
  • the payment processing server 200 issues a payment key in real time by combining one or more user input information including respective card information, and replaces each card information constituting the card list with the issued payment key.
  • the substantial card information is prevented from being exposed on the data transmission / reception node between the terminal device 100 and the payment processing server 200.
  • the payment processing server 200 reissues a payment key when feedback information, that is, card selection information is not received from the terminal device 100 for a set time.
  • the terminal device 100 receives the payment key-based card list issued to correspond to each of the previously registered card information from the payment processing server 200 and displays the corresponding card list in the form of an image, for example. (S690).
  • the terminal device 100 transmits the card selection information corresponding to the specific card selection on the card list to the payment processing server 200 to request payment processing (S700-S720).
  • the terminal device 100 sends the card selection information including the payment key corresponding to the selected card to the payment processing server 200.
  • the card selection information further includes payment information, that is, password and payment amount information of the selected card, as well as the payment key, for the actual payment processing of the payment processing server 200.
  • the payment processing server 200 receives card selection information according to a specific card selection on the card list configured as the payment key from the terminal device 100 and performs payment processing (S730-S770).
  • the payment processing server 200 checks the payment key included in the card selection information, and adds to the card selection information together with the actual card information corresponding to the corresponding payment key, that is, the card company name, the card number, and the expiration date.
  • the card company server 400 requests the payment processing in conjunction with.
  • the card payment request including the corresponding identification code is transmitted through the scanning of the identification code (S810-S840).
  • the payment request unit 110 checks the identification code according to a scan operation for various identification codes including, for example, a QR code (Quick Response Code) and a bar code placed on a bill, a poster online page, and various advertisements.
  • the card payment request is transmitted to the payment processing server 200, and a payment key-based card list issued to correspond to each of the one or more card information registered from the payment processing server 200 is received. To display in the form of an image.
  • the payment requesting unit 110 does not receive a card list composed of substantial card information such as a card number and an expiration date according to the card payment request, but in real time through a combination of various user input information including corresponding card information.
  • the substantial card information is prevented from being exposed on the data transmission / reception node between the terminal device 100 and the payment processing server 200.
  • the received card list is received with a priority set based on user-specified reference information such as a discount rate and an accumulation rate according to the card payment request.
  • the payment request unit 110 may employ NFC (Near Field Communication) technology in connection with the above-described identification code scan operation.
  • NFC Near Field Communication
  • the payment request unit 110 based on the short-range wireless communication technology, for example, when the proximity to the NFC transmitter located in the article, travel destination, traffic service area, etc., receives the data corresponding to the identification code from the NFC transmitter,
  • the configuration of receiving a card list by transmitting a card payment request including data to the payment processing server 200 may also be applied.
  • the card selection information corresponding to the specific card selection on the card list is transmitted to the payment processing server 200 to request payment processing (S850-S880).
  • the payment processing server 200 displays card selection information including a payment key corresponding to the selected card.
  • the card selection information further includes payment information, that is, password and payment amount information of the selected card, as well as the payment key, for the actual payment processing of the payment processing server 200.
  • the card information extraction unit 210 stores previously registered card information for each user, for example, a card company name, a card number, and an expiration date.
  • the card information extraction unit 210 additionally stores user identification information for user identification, which is input from the user or automatically transmitted from the connected terminal device 100.
  • the user identification information is given uniqueness such as a device serial number, a MAC address (Media Access Control address), a phone number, a user identity information recorded in a subscriber identity module (SIM) chip, or a storage device in the terminal device 100. Refers to the information obtained.
  • the card information extracting unit 210 checks the user identification information included in the card payment request received from the terminal device 100 and extracts one or more card information previously registered for each user based on the confirmed information. .
  • the list construction unit 220 stores additional information such as point card information, discount information, interest-free installment information, and point accumulation rate information in advance with respect to each card information previously registered for each user, and an identification code.
  • Identification code information mapped to an identification code registered from the management server 600 for example, store information and merchant identification information.
  • the list construction unit 220 checks the identification code information mapped to the identification code, that is, merchant information and product information, and pre-specified benefit information for each merchant product, reference information previously designated by the user, such as a discount rate and By setting priorities for each of the extracted card information based on the accumulation rate and the like, a card list is constructed according to the set priorities. On the other hand, if there is no reference information specified by the user 220, it may be preferable to set the priority by specifying any information such as, for example, the discount rate as the reference information.
  • a payment key corresponding to each card information on the card list is issued and provided to the terminal device 100 (S970-S990).
  • the information providing unit 230 issues a payment key in real time by combining one or more user input information including respective card information, and replaces each issued card information constituting the card list with the issued payment key.
  • the substantial card information is prevented from being exposed on the data transmission / reception node between the terminal device 100 and the payment processing server 200.
  • the information providing unit 230 reissues the payment key when the feedback information, that is, the card selection information is not received from the terminal device 100 during the set time.
  • the card 100 receives card selection information according to a specific card selection on the card list configured as the payment key from the terminal device 100 and performs payment processing (S1000-S1030).
  • the payment processing unit 240 checks the payment key included in the card selection information, and includes in the card selection information together with the actual card information corresponding to the payment key, namely, the card company name, the card number, and the expiration date.
  • the payment information that is, the password and payment amount information of the selected card is transmitted to the payment agency server 300, thereby requesting a payment process linked to the card company server 400.
  • the priority is set to each of the one or more card information that is registered for each user, and the priority is set to each of the card information whose priority is set according to the payment request of the terminal device.
  • the priority is set to each of the card information whose priority is set according to the payment request of the terminal device.
  • the steps of the method or algorithm described in connection with the embodiments presented herein may be implemented directly in hardware, in a software module executed by a processor, or by a combination thereof.
  • the software module may reside in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, registers, hard disk, removable disk, CD-ROM, or any other type of storage medium known in the art.
  • An exemplary storage medium is coupled with the processor, such that the processor can read information from and write information to the storage medium.
  • the storage medium may be integral to the processor.
  • the processor and the storage medium may be included in an ASIC.
  • the ASIC may be included in the terminal.
  • the processor and the storage medium may reside as discrete components in a terminal.
  • a payment key corresponding to each of the card information set priority according to the user's payment request is issued in real time to perform payment processing through payment key transmission and reception between devices.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un serveur de traitement de paiements et son procédé de commande. Le serveur de traitement de paiements comporte une unité d'extraction d'information de carte pour l'extraction d'au moins un élément d'information de carte préenregistré pour chaque utilisateur lors la demande de paiement par carte; une unité de configuration de liste pour la configuration d'une liste de carte selon la priorité établie sur chaque élément d'information de carte extrait; une unité de fourniture d'information pour l'émission d'une clé de paiement correspondant à l'information de carte sur la liste de carte, le remplacement de chaque élément d'information de carte constituant la liste de carte avec la clé de paiement émise, suivi de la transmission de l'information remplacée vers un dispositif terminal; et une unité de traitement de paiement pour la réception d'information de sélection de carte selon une sélection de carte spécifique sur une liste de carte comprenant la clé de paiement depuis le dispositif terminal, suivie de la réalisation du traitement de paiement. Par conséquent, les données personnelles de l'utilisateur telles que les numéros de carte ne sont pas exposées à des tiers lors du paiement par carte, et la priorité pour chaque élément d'information de carte est établie sur la base d'information de référence désignée par un utilisateur telle qu'un taux d'actualisation et un taux d'accumulation pour fournir une information correspondante. Ainsi, le confort de l'utilisateur peut être assuré lors du traitement de paiement.
PCT/KR2011/000473 2010-07-14 2011-01-24 Serveur de traitement de paiements et son procédé de commande WO2012008668A1 (fr)

Applications Claiming Priority (8)

Application Number Priority Date Filing Date Title
KR10-2010-0067929 2010-07-14
KR20100067929 2010-07-14
KR20100075664 2010-08-05
KR10-2010-0075664 2010-08-05
KR20100075666 2010-08-05
KR10-2010-0075666 2010-08-05
KR10-2011-0005468 2011-01-19
KR1020110005468A KR20120007434A (ko) 2010-07-14 2011-01-19 결제처리서버 및 그 구동 방법

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CN109214797A (zh) * 2017-07-04 2019-01-15 优信数享（北京）信息技术有限公司 一种支付方法、装置及具有支付功能的平台

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JP2003076927A (ja) * 2001-08-31 2003-03-14 Fujitsu Ltd クレジットカード処理方法およびクレジットカード処理プログラム
JP2004110352A (ja) * 2002-09-18 2004-04-08 Hitachi Software Eng Co Ltd クレジットカード決済サービスシステム
KR20080044029A (ko) * 2006-11-15 2008-05-20 (주)에이치지솔루션 가상카드번호를 이용한 홈 쇼핑 결제 시스템
KR20090099853A (ko) * 2008-03-18 2009-09-23 김창모 사용자의 최적 카드를 자동 선정하여 승인 처리하는신용카드 결제 시스템 및 신용카드 결제 방법

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JP2003076927A (ja) * 2001-08-31 2003-03-14 Fujitsu Ltd クレジットカード処理方法およびクレジットカード処理プログラム
JP2004110352A (ja) * 2002-09-18 2004-04-08 Hitachi Software Eng Co Ltd クレジットカード決済サービスシステム
KR20080044029A (ko) * 2006-11-15 2008-05-20 (주)에이치지솔루션 가상카드번호를 이용한 홈 쇼핑 결제 시스템
KR20090099853A (ko) * 2008-03-18 2009-09-23 김창모 사용자의 최적 카드를 자동 선정하여 승인 처리하는신용카드 결제 시스템 및 신용카드 결제 방법

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CN109214797A (zh) * 2017-07-04 2019-01-15 优信数享（北京）信息技术有限公司 一种支付方法、装置及具有支付功能的平台

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