WO2015016437A1 - Procédé de paiement par carte factice et serveur de paiement - Google Patents

Procédé de paiement par carte factice et serveur de paiement Download PDF

Info

Publication number
WO2015016437A1
WO2015016437A1 PCT/KR2013/011636 KR2013011636W WO2015016437A1 WO 2015016437 A1 WO2015016437 A1 WO 2015016437A1 KR 2013011636 W KR2013011636 W KR 2013011636W WO 2015016437 A1 WO2015016437 A1 WO 2015016437A1
Authority
WO
WIPO (PCT)
Prior art keywords
card
payment
information
dummy
cards
Prior art date
Application number
PCT/KR2013/011636
Other languages
English (en)
Korean (ko)
Inventor
박동규
최호성
김성원
Original Assignee
비씨카드 주식회사
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
Application filed by 비씨카드 주식회사 filed Critical 비씨카드 주식회사
Publication of WO2015016437A1 publication Critical patent/WO2015016437A1/fr

Links

Images

Classifications

    • 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
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user

Definitions

  • the present invention relates to a payment method and a payment server using a dummy card, and more particularly, to a method and a payment server for performing a payment using a dummy card matched with a plurality of cards.
  • the mobile card issued to the user terminal there is a risk of fraud due to hacking is not high reliability is not activated.
  • the present invention is to solve the above-mentioned problems of the prior art, an object of providing a payment server and a method for performing a payment through at least one card of a plurality of cards using a dummy card matched with a plurality of cards. It is done.
  • the method for the payment server to perform a payment using a dummy card matched with a plurality of cards receiving information of the dummy card from the user terminal to the user Matching a plurality of cards previously issued; Receiving a payment request using the dummy card from a merchant terminal; And extracting at least one of a plurality of cards matched with the dummy card according to a preset condition, and performing a payment through the extracted card.
  • the matching may include transmitting a list of a plurality of cards previously issued to the user to the user terminal; Receiving card selection information selected from the list from the user terminal; And matching the dummy card with a card according to the card selection information.
  • the preset condition is card selection information
  • the performing of the payment may include performing a payment through a card according to the card selection information.
  • the preset condition is priority information received from the user terminal, and in the performing of the payment, payment may be performed through a card extracted according to the priority information.
  • the preset condition is location information, and in the performing of the payment, payment may be performed through a card extracted according to the location information of the affiliated store terminal included in the payment request.
  • the preset condition is affiliated store information, and the performing of the settlement may be performed through a card extracted according to the affiliated store information included in the payment request.
  • the preset condition is any one of date and day of the week information, and in the performing of the payment, payment may be performed through a card extracted according to any one of the date information and the day of the week information included in the payment request.
  • the preset condition is predetermined ratio information set for at least two or more cards matched with the dummy card, and the performing of the payment may include setting the payment amount included in the payment request according to the predetermined ratio information.
  • the dummy card may include at least one of a plastic card and a mobile card.
  • the plurality of cards previously issued to the user may include at least one of a credit card, a check card, a prepaid card, and a membership card.
  • the payment server for performing a payment by using a dummy card matched with a plurality of cards receiving the information of the dummy card from the user terminal to issue to the user
  • a card matching unit matching the plurality of cards
  • a payment request unit configured to receive a payment request using the dummy card from a merchant terminal
  • a payment unit that extracts at least one of a plurality of cards matched with the dummy card according to a preset condition, and performs a payment through the extracted card.
  • the payment server may include a list transmission unit for transmitting a list of a plurality of cards previously issued to the user to the user terminal; And a card selection information receiver configured to receive card selection information selected from the list from the user terminal, wherein the card matching unit may match the card according to the card selection information with the dummy card.
  • the preset condition is card selection information, and the payment unit may perform payment through a card according to the card selection information.
  • the preset condition is priority information received from the user terminal, and the payment unit may perform payment through a card extracted according to the priority information.
  • the preset condition is location information
  • the payment unit may perform payment through a card extracted according to location information of the affiliated store terminal included in the payment request.
  • the preset condition is affiliated store information
  • the payment unit may perform payment through a card extracted according to the affiliated store information included in the payment request.
  • the preset condition may be any one of date and day information
  • the payment unit may perform payment through a card extracted according to any one of date information and day information included in the payment request.
  • the preset condition is predetermined ratio information set for at least two cards matched with the dummy card, and the payment unit distributes the payment amount included in the payment request for each of the two or more cards according to the predetermined ratio information. Thus, payment can be performed through a corresponding card with respect to the distributed payment amount.
  • the dummy card may include at least one of a plastic card and a mobile card.
  • the plurality of cards previously issued to the user may include at least one of a credit card, a check card, a prepaid card, and a membership card.
  • the payment since payment is performed using a dummy card matched with a plurality of cards, even if a user carries only a dummy card without a plurality of cards, the payment may be performed through a plurality of cards. Can be increased.
  • the card information for which payment is actually made is not stored in the user terminal, and the card information is managed only at the server, it is possible to prevent unauthorized use of the card caused by hacking through the user terminal. Security of the mobile card can be secured.
  • the user since payment can be performed through a suitable card according to a predetermined condition at the time of payment, the user can make a plan for using a plurality of cards, customized card payment service for each user May be provided.
  • FIG. 1 is a diagram showing 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 diagram illustrating a process of matching a dummy card and a plurality of cards according to an embodiment of the present invention.
  • FIG. 4 is a diagram illustrating a payment process using a dummy card according to an embodiment of the present invention.
  • FIG. 1 is a diagram showing a payment system according to an embodiment of the present invention.
  • a payment system may include a user terminal 100, a payment server 200, and an affiliated store terminal 300 capable of communicating with each other through a communication network.
  • a communication network can be configured without regard to its communication aspects such as wired and wireless.
  • Local area network LAN
  • metropolitan area network MAN: Metropolitan Area Network
  • WAN wide area network
  • the user terminal 100 may be connected to the payment server 200 through a network such as a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet PC, and the like. It may include a handheld-based wireless communication device of the kind, in addition to that can be connected to the payment server 200 through a network, such as IPTV including desktop PC, tablet PC, laptop PC, set-top box It may also include a communication device.
  • the user terminal 100 may transmit the information of the dummy card to the payment server 200.
  • the user terminal 100 may download and install an application provided by the payment server 200 from an app market server (not shown), and transmit information of the dummy card to the payment server 200 through the installed application. have.
  • Payment server 200 may match the information of the dummy card received from the user terminal 100 and a plurality of cards previously issued to the user.
  • the payment server 200 may manage information on a plurality of cards previously issued to the user.
  • the payment server 200 may extract at least one of a plurality of cards matched with the dummy card according to a preset condition.
  • the preset condition may be any one of card selection information, priority, location, affiliated store, date, day of the week, and a certain ratio, and may be arbitrarily set in the payment server 200 or set by a user.
  • the payment server 200 may perform a payment through a card extracted from a plurality of cards matched with the dummy card.
  • the affiliated store terminal 300 may transmit a payment request using a dummy card to the payment server 200.
  • the dummy card may include at least one of a plastic card and a mobile card.
  • the affiliated store terminal 300 transmits a payment request using the dummy card to the payment server 200. ) Can be sent.
  • the dummy card is a mobile card
  • barcode information corresponding to the mobile card displayed on the user terminal 100 is recognized through a barcode recognition unit included in the affiliated store terminal 300
  • the affiliated store terminal 300 uses the dummy card.
  • the payment request may be transmitted to the payment server 200.
  • the affiliated store terminal 300 requests a payment using the dummy card. It may be transmitted to the payment server 200.
  • the plurality of cards previously issued to the user may include at least one of a credit card, a check card, a prepaid card, and a membership card.
  • the payment server 200 may add the payment amount to the card use amount through the credit card, withdraw from the bank account through the check card, or deduct the amount charged through the prepaid card when the payment is performed.
  • the payment server 200 may additionally provide a payment service, such as a discount, a point accumulation, or a point deduction, through a membership card while performing a payment through a credit card, a check card, or a prepaid card.
  • a payment service such as a discount, a point accumulation, or a point deduction
  • the payment is not substantially performed with the dummy card, and the information on the dummy card may not include information necessary for the payment.
  • the dummy card information may be stored in the user terminal 100, the plurality of card information previously issued to the user for whom payment is performed is not stored, and the plurality of card information previously issued to the user are settled in the payment server 200. In this case, the card information is not leaked even when the user terminal 100 is hacked, thereby improving security of the card information.
  • FIG. 2 is a block diagram showing the configuration of a payment server 200 according to an embodiment of the present invention.
  • the payment server 200 may include a card matching unit 210, a payment requesting unit 220, a payment unit 230, a list transmitting unit 240, and a card selection information receiving unit 250. have.
  • Card matching unit 210 receives the information of the dummy card from the user terminal 100, a plurality of card information issued to the user managed by the payment server 200 and the user terminal 100 Information of the dummy card may be matched.
  • the card matching unit 210 may be automatically matched, and the selected card and the dummy card may be matched according to the user's selection.
  • the card matching unit 210 may automatically match the dummy card with all cards issued to the user without a user's selection, and the dummy card may be matched to a specific condition (for example, a card of A card company) issued to the user. It may also match a card that satisfies.
  • a specific condition for example, a card of A card company
  • the card matching unit 210 may match a dummy card and a card issued to the user according to a user's selection.
  • the list transmitter 240 transmits a list of a plurality of cards to the user terminal 100.
  • the card selection information receiver 250 may receive card selection information selected from a list of a plurality of cards from the user terminal 100. Accordingly, the card matching unit 210 may match the dummy card and the card selected by the user according to the card selection information selected by the user.
  • Payment request unit 220 may receive a payment request using a dummy card from the merchant terminal 300.
  • the payment request unit 220 may receive a payment request using a dummy card from the affiliated store terminal 300 that recognizes the plastic card through the card recognition unit included in the affiliated store terminal 300, and included in the affiliated store terminal 300.
  • the barcode recognition unit may receive a payment request using a dummy card from an affiliated store terminal 300 that recognizes barcode information corresponding to a mobile card, and includes a tag included in a sticker through a short range communication module included in the affiliated store terminal 300.
  • a payment request using a dummy card may be received from the affiliated store terminal 300 that recognizes the information.
  • the payment request information transmitted from the affiliated store terminal 300 to the payment request unit 220 may include payment amount information, merchant information, payment date information, payment day information, payment location information, and the like.
  • the payment unit 230 may extract at least one of a plurality of cards matched with the dummy card according to a preset condition, and perform payment through the extracted card.
  • the payment unit 230 may perform a payment through a card extracted according to preset priority information. For example, if a user matches and uses a dummy card, A card, B card, and C card, B card may be set to 1st priority, A card 2nd priority, and C card 3rd priority. In addition, the payment unit 230 performs the payment through the B card while the limit of the first card B remaining, and if the payment is not approved because there is no limit of the B card, through the second card A Payment can be performed. If there is no limit on both the first and second card B and the second card A, of course, payment is made through the third card C card. That is, when a payment is requested using the dummy card, the payment unit 230 may perform the payment in the order of the cards having the highest priority among the cards in which the payment limit remains among the plurality of cards matched with the dummy card. .
  • the payment unit 230 may perform a payment through a card extracted according to preset location information. For example, if the user is using a dummy card, A card and B card, the payment condition is set to be paid through A card if the payment request location is "Seoul” and B card if it is "Busan”. When the location information of the affiliated store terminal 300 received from the affiliated store terminal 300 is "Seoul", the payment unit 230 performs payment through the A card, and if the "Busan", the B card.
  • Payment can be performed through That is, when a payment request using a dummy card is received by the payment request unit 220, the payment unit 230 extracts and extracts a suitable card according to the location of the affiliated store terminal 300 among a plurality of cards matched with the dummy card. Payment can be carried out via the old card.
  • the payment unit 230 may perform payment through a card extracted according to preset affiliate store information. For example, if a user is using a dummy card, A-card and B-card, the payment is requested to be made through A-card if the payment request merchant is "X Restaurant” or B-card if "Y School”. Conditions may be set, the payment unit 230 if the merchant information included in the payment request received from the merchant terminal 300 is "X restaurant", and performs payment through the A card, and "Y school", Payment can be made through B card.
  • the preset condition may not be a specific affiliate store name, but may be affiliate store type information.
  • the affiliate store type is set as a condition such that an A card can be used in a "restaurant” and a B card can be used in a "shopping company," an A card in a restaurant.
  • the department may be carried out through the B card. That is, when a payment request using a dummy card is received by the payment request unit 220, the payment unit 230 extracts a suitable card according to a merchant or a business type among a plurality of cards matched with the dummy card, and pays through the corresponding card. Can be performed.
  • the payment unit 230 may perform a payment through a card extracted according to a preset date or day of the week. For example, if the user is using a dummy card, A-card, and B-card, the payment request day is "Monday, Tuesday, Saturday" through the A card, "Wednesday, Thursday, Sunday” B The payment condition may be set to be settled through the card. If the settlement is requested on Monday, the settlement is performed through the A card, and if the settlement is requested on the Wednesday, the settlement may be performed through the B card.
  • the payment unit 230 extracts a suitable card according to a date or day of the plurality of cards matched with the dummy card, and pays through the corresponding card. Can be performed.
  • the payment unit 230 may perform payment through a corresponding card for the distributed payment amount by distributing the payment amount for each of two or more cards according to a predetermined ratio set for at least two cards matched with the dummy card. For example, if a user is using a dummy card, A card, B card, and C card, a certain percentage may be set to 30% for A card, 20% for B card, and 50% for C card.
  • the payment unit 230 receives a payment amount of 10000 won for 30% 3,000 won for A card, 20% for 2000 won for B card, By distributing 50% (50%) to C card, you can pay 3000 won through A card, 2000 won through B card, and 5000 won through C card. .
  • the payment unit 230 may perform a payment by extracting a card according to card selection information among a plurality of cards matched with the dummy card at the time of payment.
  • the card selection information may be received from the user terminal 100 when the dummy card and a plurality of previously issued cards are matched. After the dummy card and a plurality of previously issued cards are matched, the card selection information may be received from the user terminal 100. May be received. That is, the user may select and set in advance a card that can be settled when the dummy card is settled.
  • the card matching unit 210 is matched with a plurality of cards previously issued to the user
  • the list transmission unit 240 is a list of a plurality of cards matched with the dummy card to the user terminal 100
  • the card selection information receiver 250 may receive card selection information selected from a list of a plurality of cards from the user terminal 100. Thereafter, when the payment request unit 220 receives the payment request using the dummy card from the affiliated store terminal 300, the payment unit 230 may extract the card according to the card selection information and perform the payment.
  • the list transmission unit 240 is a list of A card, B card and C card to the user terminal 100
  • the user terminal 100 may display the received list on the screen.
  • the card selection information receiving unit 250 may receive the card selection information for the B card and the C card from the user terminal 100, and the card.
  • the matching unit 210 may match the dummy card with the B card and the C card.
  • the list transmission unit 240 may transmit a list including the B card and the C card to the user terminal 100, and the user terminal ( 100 may display the received list on the screen. Thereafter, when the user selects B card as the main payment card from the list displayed on the screen, the card selection information receiver 250 may receive card selection information for the B card from the user terminal 100. Thereafter, when the payment request unit 220 receives the payment request using the dummy card from the affiliated store terminal 300, the payment unit 230 may perform a payment through the B card, which is the main payment card.
  • the user terminal 100 may match the dummy card and the plurality of cards, and select a main payment card in advance so that payment can be performed through any one of the plurality of cards and transmit the same to the payment server 200.
  • FIG. 3 is a diagram illustrating a process of matching a dummy card and a plurality of cards according to an embodiment of the present invention.
  • a user may apply for issuance of a dummy card.
  • the user may apply for at least one of a plastic card and a mobile card.
  • the user may apply for a dummy card by directly visiting the card company, and access the web or application provided by the payment server 200 through the user terminal 100. You can apply for a dummy card, or you can apply for a dummy card by calling ARS or an agent.
  • step S302 when the user's dummy card application information is confirmed, the payment server 200 may determine whether to issue the card, and issue the dummy card to the user. At this time, if the dummy card is a plastic card, it may be mailed to the user, and if it is a mobile card, it may be issued through an application that provides a mobile card.
  • step S303 the user may input the information of the dummy card issued through the user terminal 100.
  • the user may access the web or application provided by the payment server 200 through the user terminal 100 to input the dummy card information, and may transmit the dummy card information in a call with an ARS or an agent. have..
  • the dummy card information is information for identifying the dummy card, and may consist of a series of numbers such as a credit card number, or a combination of numbers and letters.
  • step S304 the user terminal 100 may transmit the information of the dummy card input in step S303 to the payment server 200.
  • the payment server 200 may register the dummy card and transmit a registration message of the dummy card to the user terminal 100.
  • the payment server 200 may match the dummy card and a plurality of cards previously issued to the user, and automatically match the dummy card to all the cards issued to the user, or the dummy card to the user without user selection.
  • the card may be matched with a card satisfying a specific condition among the issued cards, and a list of a plurality of cards may be transmitted to the user terminal 100 to match the card selected by the user from the list and the dummy card.
  • 4 is a diagram illustrating a payment process using a dummy card according to an embodiment of the present invention. 4 is a diagram illustrating a case where a preset condition is user selection information.
  • step S401 a user may present a dummy card for card payment.
  • the merchant terminal 300 may recognize the dummy card presented by the user and transmit a payment request including the dummy card information and the payment information to the payment server 200.
  • the affiliated store terminal 300 may recognize the plastic card through a card recognition unit included in the affiliated store terminal 300, and when the dummy card is a mobile card, the affiliated store terminal 300 Bar code information corresponding to the mobile card may be recognized through a barcode recognition unit included in the tag.
  • the tag information may be recognized through a short range communication module included in the affiliated store terminal 300. Can be.
  • step S403 the payment server 200 checks the information on the dummy card transmitted from the affiliated store terminal 300, extracts at least one of a plurality of cards matched with the dummy card according to a preset condition, and extracts the extracted card. Payment can be made through the card.
  • the payment server 200 may perform payment through a card extracted by extracting at least one of a plurality of cards matched with the dummy card according to the card selection information.
  • the preset condition may be any one of priority, payment request location, merchant information, payment date, payment day, and a certain ratio, and thus detailed description thereof will be omitted.
  • the payment server 200 may transmit a payment completion message to the user terminal 100 or the affiliated store terminal 300.
  • the payment can be performed through the card extracted according to the conditions set by the user in advance (card selection information, priority, location, merchant, date, day of the week, a certain ratio, etc.) Therefore, since the user can plan the use of a plurality of cards, a user-specific card payment service can be provided.

Landscapes

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

Abstract

Un mode de réalisation de la présente invention concerne un procédé dans lequel un serveur de paiement effectue des paiements en utilisant une carte factice correspondant à une pluralité de cartes, le procédé de paiement par carte factice comportant les étapes consistant à : recevoir des informations se rapportant à la carte factice en provenance d'un terminal d'utilisateur et faire correspondre les information à la pluralité de cartes qui ont déjà été émises à un utilisateur ; recevoir une demande de paiement en utilisant la carte factice en provenance d'un magasin affilié ; et extraire au moins l'une de la pluralité de cartes correspondant à la carte factice en fonction de conditions prédéterminées et effectuer le paiement par le biais de la carte extraite.
PCT/KR2013/011636 2013-07-29 2013-12-16 Procédé de paiement par carte factice et serveur de paiement WO2015016437A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020130089746A KR20150014277A (ko) 2013-07-29 2013-07-29 더미 카드를 이용한 결제 방법 및 결제 서버
KR10-2013-0089746 2013-07-29

Publications (1)

Publication Number Publication Date
WO2015016437A1 true WO2015016437A1 (fr) 2015-02-05

Family

ID=52431940

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2013/011636 WO2015016437A1 (fr) 2013-07-29 2013-12-16 Procédé de paiement par carte factice et serveur de paiement

Country Status (2)

Country Link
KR (1) KR20150014277A (fr)
WO (1) WO2015016437A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111108524A (zh) * 2017-09-22 2020-05-05 卡诺爱股份有限公司 万能卡及利用其的结算方法

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102461908B1 (ko) * 2015-11-30 2022-11-01 김남주 통합 카드 결제 방법
KR101959752B1 (ko) * 2017-06-13 2019-03-19 한국정보통신주식회사 규칙 설정에 따라 개인화된 결제 수단의 선택을 제공하는 결제 정보 처리 방법 및 그 장치

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20050007621A (ko) * 2003-07-11 2005-01-21 주식회사 비즈모델라인 복수의 서비스 카드 정보를 구비하는 결제 수단용 아이씨카드 및 이를 이용한 서비스 카드 적용 방법 및 시스템
KR100861390B1 (ko) * 2007-09-07 2008-10-01 박수민 최적카드 추천을 위한 인공지능 결제 시스템과 이를 위한결제 장치 및 통합카드 결제 단말기
US20090043702A1 (en) * 2007-08-06 2009-02-12 Bennett James D Proxy card representing many monetary sources from a plurality of vendors
US20120185378A1 (en) * 2009-07-03 2012-07-19 Alibaba Group Holding Limited System and Method for Adaptive Selection of Bank Card for Payment
KR20120108858A (ko) * 2011-03-25 2012-10-05 한국정보통신주식회사 카드 결제 수행 장치 및 방법

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20050007621A (ko) * 2003-07-11 2005-01-21 주식회사 비즈모델라인 복수의 서비스 카드 정보를 구비하는 결제 수단용 아이씨카드 및 이를 이용한 서비스 카드 적용 방법 및 시스템
US20090043702A1 (en) * 2007-08-06 2009-02-12 Bennett James D Proxy card representing many monetary sources from a plurality of vendors
KR100861390B1 (ko) * 2007-09-07 2008-10-01 박수민 최적카드 추천을 위한 인공지능 결제 시스템과 이를 위한결제 장치 및 통합카드 결제 단말기
US20120185378A1 (en) * 2009-07-03 2012-07-19 Alibaba Group Holding Limited System and Method for Adaptive Selection of Bank Card for Payment
KR20120108858A (ko) * 2011-03-25 2012-10-05 한국정보통신주식회사 카드 결제 수행 장치 및 방법

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111108524A (zh) * 2017-09-22 2020-05-05 卡诺爱股份有限公司 万能卡及利用其的结算方法

Also Published As

Publication number Publication date
KR20150014277A (ko) 2015-02-06

Similar Documents

Publication Publication Date Title
WO2017222170A1 (fr) Procédé et serveur de société de cartes servant à traiter un paiement en vérifiant une valeur de vérification, procédé pour prendre en charge un paiement en utilisant la valeur de vérification, et carte à puce
WO2016159485A1 (fr) Procédé de gestion de parc de stationnement, serveur de gestion de parc de stationnement, et système de gestion de parc de stationnement
WO2013157690A1 (fr) Système de gestion de reçus électroniques à l'aide d'un terminal utilisateur, et procédé correspondant
WO2015026184A1 (fr) Procédé de recommandation de carte de paiement mobile sur la base de l'emplacement d'utilisation de la carte de paiement et d'un historique de paiement, et serveur de gestion appliquant ce procédé
WO2017065518A1 (fr) Carte représentative liée à une carte d'application, et système de paiement et procédé de paiement associés
WO2016060345A1 (fr) Procédé de génération de carte multiple, procédé d'utilisation de carte multiple et système de carte multiple
WO2015102404A1 (fr) Système de point de vente mobile pour règlement inverse, et procédé associé
WO2013168861A1 (fr) Système et procédé d'intermédiation des paiements
WO2019031717A1 (fr) Système de paiement basé sur un réseau de communication inter-magasin, terminal portable comprenant une fonction de paiement basée sur un réseau de communication inter-magasin, procédé permettant de fournir un service de paiement basé sur un réseau de communication inter-magasin, et programme le réalisant
WO2013151275A1 (fr) Procédé d'échange d'informations entre un terminal d'un client et un terminal d'un magasin à l'aide d'une communication en champ proche
WO2016159462A1 (fr) Procédé d'authentification d'un jeton et système utilisant une valeur de vérification générée sur la base du temps courant
WO2016068687A1 (fr) Système d'accumulation de bonus, procédé d'accumulation de bonus et dispositif terminal nfc à cet effet
WO2015016437A1 (fr) Procédé de paiement par carte factice et serveur de paiement
WO2015002346A1 (fr) Méthode et serveur de paiement par carte
WO2015069028A1 (fr) Authentification multicanal, procédé de transfert financier et système utilisant un terminal de communication mobile
WO2017074146A2 (fr) Système de paiement sécurisé utilisant un nombre aléatoire et des informations d'empreintes digitales, et son procédé de commande
WO2016195333A1 (fr) Système de paiement tactile, procédé de paiement, et application
WO2021206481A1 (fr) Système et procédé de transaction financière
WO2015133851A1 (fr) Dispositif répondant à des conditions pour fournir des informations
WO2018008818A1 (fr) Kiosque de fourniture d'un service de facturation prépayée et procédé de fourniture de service associé
WO2014010783A1 (fr) Système d'assistance de répertoire de numéro de téléphone 411 fournissant des informations de société associée, et procédé de service d'informations correspondant
WO2014030777A1 (fr) Procédé de transaction par carte de crédit mis en œuvre à l'aide d'un téléphone intelligent et n'utilisant pas de facturette de carte de crédit
WO2014193096A1 (fr) Procédé de passage automatique de commandes à partir d'un menu en utilisant un ordiphone
WO2012115341A2 (fr) Système de paiement sécurisé utilisant un téléphone mobile et procédé de paiement l'utilisant
WO2014021551A1 (fr) Procédé de traitement d'appartenance réalisé selon une demande d'enregistrement de franchise d'un client, et dispositif et système associés

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 13890622

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 13890622

Country of ref document: EP

Kind code of ref document: A1