WO2014185596A1 - Procédé de détermination de moyen de paiement et serveur de paiement - Google Patents

Procédé de détermination de moyen de paiement et serveur de paiement Download PDF

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Publication number
WO2014185596A1
WO2014185596A1 PCT/KR2013/008597 KR2013008597W WO2014185596A1 WO 2014185596 A1 WO2014185596 A1 WO 2014185596A1 KR 2013008597 W KR2013008597 W KR 2013008597W WO 2014185596 A1 WO2014185596 A1 WO 2014185596A1
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WO
WIPO (PCT)
Prior art keywords
payment
card
domestic
payment request
payment method
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PCT/KR2013/008597
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English (en)
Korean (ko)
Inventor
이강웅
조수현
이지은
Original Assignee
비씨카드 주식회사
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Publication of WO2014185596A1 publication Critical patent/WO2014185596A1/fr

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/403Solvency checks
    • G06Q20/4037Remote solvency checks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards

Definitions

  • the present invention relates to a payment method determination method and payment server, and more particularly, to a payment method determination method and payment server for determining the card payment method according to the region.
  • check cards are often issued for domestic use only, and there is a limited number of card companies that issue check cards that can be used abroad, which may be inconvenient for customers. There is a problem of high fees.
  • the present invention is to solve the above-mentioned problems of the prior art, the present invention is to provide a payment server and a payment method determination method for performing a payment by a different card payment method according to the region.
  • the card identification number is registered in each of the overseas payment related server and the domestic payment related server. Transmitting a card identification number to each of the overseas payment related server and the domestic payment related server; Receiving payment request information including the card identification number; Classifying a payment request region based on the received payment request information; And determining a payment method corresponding to the payment request region.
  • the card identification number transmission step, the payment method of the card corresponding to the card identification number together with the card identification number is the first payment method in the overseas payment related server, the domestic payment related
  • the server may include transmitting payment method information for recognizing the second payment method and allowing payment.
  • the step of determining the payment request region includes the step of dividing the payment request region into an overseas or domestic based on the payment request information, and determining the payment method comprises: The method may include determining a payment method as the first payment method when the divided payment request region is overseas, and determining the payment method as the second payment method when domestic.
  • the first payment method and the second payment method may be at least one of a check card payment method, credit card payment method and prepaid card payment method.
  • the payment request region classification step may include: distinguishing the payment request region by using at least one of a professional number, an area code, a currency code, and a merchant terminal number included in the payment request information. It may include.
  • the step of determining the payment request region, the payment request region, if the specialized number is matched with any one of the overseas payment-related servers, the foreign classification, the domestic payment-related servers Matching with any one may include the step of distinguishing into domestic.
  • Another embodiment of the present invention provides a payment server for determining a payment method according to a region, wherein the card identification number is registered in each of an overseas payment related server and a domestic payment related server.
  • Card identification number transmission unit for transmitting to each payment related server;
  • a payment request information receiving unit which receives payment request information including the card identification number;
  • a payment request region separator configured to classify a payment request region based on the received payment request information;
  • a payment method determination unit that determines a payment method corresponding to the payment request region.
  • the card identification number transmission unit, the payment method of the card corresponding to the card identification number together with the card identification number is the first payment method in the overseas payment related server, the domestic payment related server In the payment method information to be recognized as the second payment method can be transmitted.
  • the payment request region separator may divide the payment request region into an overseas or domestic based on the payment request information, and the payment method determination unit may settle the payment if the divided payment request region is overseas.
  • the payment method may be determined as the first payment method, and if it is domestic, the payment method may be determined as the second payment method.
  • the first payment method and the second payment method may be at least one of a check card payment method, a credit card payment method, and a prepaid card payment method.
  • the payment request region separator may classify the payment request region using at least one of a professional number, an area code, a currency code, and a merchant terminal number included in the payment request information.
  • the payment request region separator may divide the payment request region into a foreign country when the specialized number matches any one of the overseas payment related servers, and among the domestic payment related servers. If it matches any one, it can be classified as domestic.
  • FIG. 1 is a schematic diagram of a payment system according to an embodiment of the present invention.
  • FIG. 2 is a block diagram showing the configuration of a payment server according to an embodiment of the present invention.
  • FIG. 3 is a flowchart illustrating a payment method determination method according to an embodiment of the present invention.
  • FIG. 1 is a schematic diagram of a payment system according to an embodiment of the present invention.
  • a payment system includes a payment server 100, an overseas payment related server 200, and a domestic payment related server 300.
  • Each component of a payment system can communicate over a network, which can be a local area network (LAN), wide area network (WAN), or value added network (VAN).
  • the wireless network may be implemented in any kind of wireless network such as a wired network, a mobile radio communication network, or a satellite communication network.
  • the payment server 100 may be a card company server as a server for classifying a payment request region by card payment and determining a payment method corresponding to the payment request region.
  • the payment server 100 registers the card identification number in the overseas payment related server 200 and the domestic payment related server 300 so that the card identification number is registered in each of the overseas payment related server 200 and the domestic payment related server 300. ) To each.
  • the card identification number may include a Bank Identification Number (BIN) number.
  • BIN Bank Identification Number
  • the BIN number is used to identify the card issuer, and the type of card, characteristics of the card, region (for example, international use, domestic use, etc.) and issuance And the like according to the company.
  • the BIN number may include six digits before the card number.
  • the overseas payment related server and the domestic payment related server may include both a server related to a payment process using a card.
  • a server such as a van company, an issuer, a purchaser, a bank, and a card company may be included in a payment related server.
  • Van (VAN) is an agency that provides financial services through the computer relay between the card company, banks and merchants, requesting card payment between the merchant terminal (not shown) and the payment server 100, and performs the payment by approval It acts as a relay.
  • a van may relay payments such as credit cards, point cards, bank transfers, and electronic money through offline or online.
  • the issuer is responsible for issuing cards to customers, and issuing cards and managing issued cards and customers.
  • the purchaser plays a role of purchasing the sales generated at the affiliated store, that is, the merchant can pay a fee excluding a fee and charge the customer based on the sales data and the slip.
  • Foreign purchasers may include, for example, VISA, MASTERCARD, AMEX, DFS, JCB, CUP and the like.
  • the payment server 100 is a payment method such that the payment method of the card corresponding to the card identification number together with the card identification number is recognized as the first payment method by the overseas payment related server and the second payment method by the domestic payment related server. Method information can be transmitted.
  • the payment server 100 receives payment request information including a card identification number, classifies a payment request region based on the received payment request information, and determines a payment method corresponding to the divided payment request region.
  • the payment server 100 divides the payment request region into overseas or domestic based on the payment request information, and if the divided payment request region is overseas, determines the payment method as the first payment method, and if it is domestic, sets the payment method. We can decide by 2 payment methods.
  • the first payment method and the second payment method may be at least one of a check card payment method, a credit card payment method, and a prepaid card payment method.
  • the payment server 100 may distinguish a payment request region using at least one of a professional number, an area code, a currency code, and an affiliated terminal number included in the payment request information.
  • the payment server 100 may divide the payment request region into a foreign country if the specialized number matches one of the overseas payment related servers, and may divide the payment request area into a domestic country if it matches one of the domestic payment related servers.
  • the card holder can pay one of the check card payment method, the credit card payment method, and the prepaid card payment method according to the payment request region without any separate operation.
  • a credit card that can be paid abroad can be conventionally issued separately, but according to the present invention, it is not necessary to separately issue a check in Korea. Credit card payments can be made overseas using existing cards.
  • the cardholder can not only reduce excessive consumption using a credit card payment method but also lead to a healthy consumption life, and separately issue a credit card for overseas use. Without the need to receive payments abroad, payments can be made using a credit card payment method, and fees can be reduced compared to a check card payment method.
  • FIG. 2 is a block diagram showing the configuration of a payment server according to an embodiment of the present invention.
  • the payment server 100 according to an embodiment of the present invention, the card identification number transmission unit 110, payment request information receiving unit 120, payment request region separating unit 130 and payment method determination unit 140.
  • the card identification number transmitting unit 110 transmits the card identification number to each of the overseas payment related server and the domestic payment related server so that the card identification number is registered in each of the overseas payment related server and the domestic payment related server.
  • the card identification number may include a BIN number
  • the overseas payment related server and the domestic payment related server may include a server such as a van company, an issuer, a purchaser, a bank, and a card company.
  • the card identification number transmitter 110 recognizes that the payment method of the card corresponding to the card identification number together with the card identification number is recognized as a first payment method by an overseas payment related server and a second payment method by a domestic payment related server.
  • the payment method information can be transmitted.
  • the card identification number transmitter 110 transmits payment method information for allowing a card corresponding to the card identification number to be settled in a first payment method to an overseas payment related server, and a second payment to a domestic payment related server. Payment method information to be paid in a manner can be transmitted.
  • the payment method determination unit 140 to be described later may be determined as a payment method recognized by the received payment method information. For this reason, the payment method determination unit 140 may determine the payment method based on the payment method information included in the payment request information without having to distinguish the payment request area through the payment request area separator 130 to be described later.
  • the card identification number transmitting unit 110 transmits the payment method information for the same card identification number so that the payment is made in the first payment method to the overseas payment related server and in the second payment method to the domestic payment related server.
  • the payment process for the card identification number is settled in the first payment method abroad, and in the second payment method in the domestic.
  • the payment request information receiving unit 120 receives payment request information including a card identification number.
  • the payment request information receiving unit 120 may receive payment request information including a card identification number from a server such as a merchant terminal or a bansa or a purchaser.
  • the payment request information may include at least one of card information including a card identification number and payment method information.
  • the payment request region separator 130 classifies the payment request region based on the received payment request information. That is, the payment request region separator 130 may divide the payment request region into an overseas or domestic based on the payment request information.
  • the payment request region separator 130 may classify the payment request region using at least one of a professional number, an area code, a currency code, and an affiliated store terminal number included in the payment request information.
  • the region code may include a region code for classifying continents or a country code for classifying a country.
  • Currency codes are given on a monetary basis by country and may include international standards (ISO 4217) as defined by the International Organization for Standardization (ISO). For example, US dollars can be included in USD and Japanese yen can be included in JPY.
  • the payment request region separator 130 uses the specialized number, if the specialized number matches one of the overseas payment related servers, the payment request region is divided into foreign countries. It can be classified as domestic. In this case, the professional number may be classified by purchase company.
  • the payment request region separator 130 classifies the payment request region to overseas if the professional number is matched with one of the overseas purchase company servers, such as VISA, MASTERCARD, AMEX, DFS, JCB, CUP. In the case of matching with one of the server and the card company server, the payment request region may be classified as domestic.
  • the overseas purchase company servers such as VISA, MASTERCARD, AMEX, DFS, JCB, CUP.
  • the payment request region may be classified as domestic.
  • the payment request region separator 130 divides the payment request region into an overseas country when the payment request information includes at least one of a region code and a currency code, and selects a payment request region when the region code and the currency code are not included. It can be classified as domestic. That is, the payment request information received from the overseas payment related server includes at least one of a region code and a currency code, and the payment request information received from a domestic payment related server (eg, a domestic bansa server, etc.) is a region code and a currency code. It may not be included.
  • a domestic payment related server eg, a domestic bansa server, etc.
  • the payment request region separator 130 may analyze whether the payment request region is domestic or overseas.
  • the payment method determination unit 140 determines a payment method corresponding to the payment request region. That is, the payment method determination unit 140 determines the payment method as the first payment method when the payment request area divided by the payment request area separator 130 is overseas, and determines the payment method as the second payment method when domestic. Can be.
  • the first payment method and the second payment method may be at least one of a check card payment method, a credit card payment method, and a prepaid card payment method.
  • the payment method determination unit 140 may determine the payment method as a check card payment method or a credit card payment method according to whether the payment request region is overseas or domestic.
  • the payment method according to the payment request region may be set or changed in advance by the card holder, the card company server operator.
  • the payment method determination unit 140 may be set or changed in advance so that the payment method is determined by the card holder as a check card payment method when the payment request region is overseas, or by a credit card payment method when domestic.
  • FIG. 3 is a flowchart illustrating a payment method determination method according to an embodiment of the present invention.
  • the payment server 100 registers the card identification number in the overseas payment related server and the domestic payment related server so that the card identification number is registered in each of the overseas payment related server and the domestic payment related server. Transmit to (S310).
  • the payment server 100 is the payment method so that the payment method of the card corresponding to the card identification number together with the card identification number is recognized as the first payment method to the overseas payment related server and the second payment method to the domestic payment related server. Method information can be transmitted.
  • the payment server 100 receives payment request information including a card identification number (S320).
  • the payment request information may include at least one of card information including a card identification number and payment method information.
  • the payment server 100 may determine whether payment method information is included in the received payment request information (S330).
  • the payment server 100 may classify the payment request region based on the payment request information (S340).
  • the payment server 100 may distinguish a payment request region using at least one of a professional number, an area code, a currency code, and an affiliated terminal number included in the payment request information. For example, when the payment server 100 uses a merchant terminal number, the payment server 100 may distinguish whether the payment request region is overseas or domestic by analyzing the merchant information corresponding to the merchant terminal number (eg, the merchant terminal identification number). .
  • the payment server 100 determines a payment method corresponding to the payment request region (S350).
  • the payment server 100 may determine the payment method as the first payment method when the payment request region is overseas, and determine the payment method as the second payment method when domestic.
  • the first payment method and the second payment method may be at least one of a check card payment method, a credit card payment method, and a prepaid card payment method.
  • the payment server 100 may omit the process of distinguishing the payment request region, and may determine the payment method using the payment method information, even if the payment method information is included.
  • the payment request region may be distinguished once again through the process of classifying the payment request region, but is not limited thereto.
  • the payment server 100 divides the payment request region based on the payment request information and determines a payment method corresponding to the payment request region, thereby providing convenience to a card holder using a card payment service. can do.
  • a payment method can be determined by determining a payment method corresponding to an area of various payment methods using a single card.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne, dans un mode de réalisation, un procédé par lequel un serveur de paiement détermine un moyen de paiement selon la région en utilisant un serveur de paiement, ledit procédé de détermination du moyen de paiement comportant les étapes consistant à: envoyer un numéro d'identification de carte à un serveur lié à un paiement international et à un serveur lié à un paiement national de façon à enregistrer le numéro d'identification de carte auprès du serveur lié au paiement international et du serveur lié au paiement national; recevoir des informations de demande de paiement comprenant le numéro d'identification de carte; classifier des régions de demande de paiement sur la base des informations reçues de demande de paiement; et déterminer le moyen de paiement correspondant à la région de demande de paiement.
PCT/KR2013/008597 2013-05-15 2013-09-25 Procédé de détermination de moyen de paiement et serveur de paiement WO2014185596A1 (fr)

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KR1020130054960A KR101558542B1 (ko) 2013-05-15 2013-05-15 결제 방식 결정 방법 및 결제 서버
KR10-2013-0054960 2013-05-15

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WO2017222174A1 (fr) * 2016-06-20 2017-12-28 비씨카드(주) Procédé de fourniture d'un service de paiement international relié à une carte à usage domestique, et serveur de société émettrice de cartes mettant en œuvre ledit procédé

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KR101144930B1 (ko) * 2010-05-31 2012-05-11 중소기업은행 카드사서버에서 복수의 카드번호를 가지는 신용카드 관리 장치, 방법 및 기록매체
KR20120096208A (ko) * 2011-02-22 2012-08-30 박균렬 결제번호 선택이 가능한 카드

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Publication number Priority date Publication date Assignee Title
KR20020021488A (ko) * 2000-09-15 2002-03-21 이경우 직불 겸용 방식의 신용 카드 결제 시스템 및 방법
KR20090014936A (ko) * 2007-08-07 2009-02-11 주식회사 하나은행 다중 카드 서비스를 제공하는 시스템 및 방법
KR101144930B1 (ko) * 2010-05-31 2012-05-11 중소기업은행 카드사서버에서 복수의 카드번호를 가지는 신용카드 관리 장치, 방법 및 기록매체
KR20120096208A (ko) * 2011-02-22 2012-08-30 박균렬 결제번호 선택이 가능한 카드
KR20110132299A (ko) * 2011-10-28 2011-12-07 주식회사 비즈모델라인 결제 처리 방식의 분기 방법

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