WO2016064053A1

WO2016064053A1 - Online payment system and payment method using same

Info

Publication number: WO2016064053A1
Application number: PCT/KR2015/004025
Authority: WO
Inventors: 정한욱
Original assignee: (주) 맑은 생각
Priority date: 2014-10-23
Filing date: 2015-04-22
Publication date: 2016-04-28

Abstract

Disclosed are an online payment system which enables online payment using an actual card, and a payment method using the same. The online payment system and the payment method using the same enable a user, when conducting payment at an online shopping mall, to conveniently conduct payment in the same manner as an offline payment method, using an actual card without inputting credit card information, and thus can prevent information from being hacked and achieve both security and convenience, thereby having an advantage of conducting safe payment.

Description

Online payment system and payment method using the same

The present invention relates to an online payment system and a payment method using the same. More particularly, the present invention relates to an online payment system and a payment method using the same.

Recently, with the increase of online shopping malls, the purchase of goods through online is increasing, and various payment methods such as account transfer, point payment, and credit card payment are applied.

For credit card payments online, after the user enters their credit card identification number, password, expiration date and CVC code online, and authenticates the user and credit card by entering a certified certificate or one-time secure click password. The purchase process is then completed. In other words, the user has to directly fill in the credit card information online, and there is an inconvenience that the authentication process thereafter becomes complicated.

On the other hand, in order to alleviate the inconvenience described above, a mobile credit card with credit card information embedded in a mobile phone has been released and used a lot.

The mobile credit card has an advantage in that it is possible to purchase a product by accessing an internet shopping mall anytime and anywhere due to an environment in which wireless internet communication of a mobile phone is possible. Meanwhile, in the case of purchasing goods by visiting a store, payment may be performed by a general card reader using the same plastic card issued when the mobile credit card is issued.

However, since the mobile credit card is stored in the user's mobile phone, the credit card information can be hacked and used without permission.

In addition, the mobile credit card can not purchase goods and payment with other electronic devices, for example, a general PC, a tablet or another mobile phone other than one mobile phone in which credit card information is embedded. In other words, the compatibility of the credit card is inferior to use.

If you want to purchase a product from an online shopping mall using a mobile phone or a PC instead of a mobile phone with a built-in mobile credit card, use the plastic card issued at the time of issuing a mobile credit card. In the process of entering the credit card information, the credit card information may be hacked.

Accordingly, an object of the present invention is to solve the problems of the prior art, and even when the user pays an online shopping mall, the user can conveniently pay in the same manner as in the offline payment method using a real card without inputting credit card information. It is possible to prevent hacking of information and to provide an online payment system and a payment method using the same that can have both security and convenience.

However, the object of the present invention is not limited to the above-mentioned matters, and other objects not mentioned will be clearly understood by those skilled in the art from the following description.

In order to achieve the above object, the present invention provides a card reader unit that reads a credit card to allow the user terminal to receive the identification information of the credit card, and provides shopping information to the user terminal to receive the order information from the user terminal payment information Generate a credit card identification information inputted to the user terminal through the card reader, request an approval to the PG server through a wireless communication network, and then receive payment approval information from the PG server and display the order completion on the user terminal. And a shopping mall server for transmitting the credit card identification information and payment information to a card company server for card validation request, and responding to the credit card identification information based on the validation information received from the card company server. Create the card payment authorization information to the shopping mall server and card company PG server for transmitting to the server, and credit card identification information and payment information received from the PG server to transmit the validation information generated by verifying the validity of the credit card identification number previously stored in the card company database to the PG server, An online payment system including a card company server for receiving card payment authorization information from a server and updating a payment amount in the card company database is provided.

For example, the card reader may include a connection part inserted into and connected to a connection terminal of a user terminal, and a contact part formed on the connection part to read identification information of a credit card through contact with a real credit card.

In another example, the card reader unit may include a proximity communication unit for reading the identification information of the credit card through contact or proximity of the credit card.

Here, the identification information of the credit card may include a credit card password input through the user terminal.

Meanwhile, the shopping mall server displays a selection window that allows the user to select one of various payment methods including a payment method through the card reader unit or a conventional direct input method, and the payment through the card reader unit is performed. When selected, it can display an identification code on the screen that allows other user terminals to connect directly to the payment window.

Here, the user terminal can be directly connected to the payment window to read the information by photographing the identification code, and to make a payment using the card reader.

For example, at least one of a QR code or a barcode may be selected and used as the identification code.

In addition, the shopping mall server displays a selection window for the user to select a payment method through the card reader unit or a conventional direct input, and includes a URL that can be directly connected to the payment window when payment through the card reader unit is selected. A message may be generated and transmitted to the user terminal.

In addition, in order to achieve the above object, the present invention (a) a shopping mall server receiving the order information from the user terminal through a wireless communication network, (b) the shopping mall server generates payment information according to the order information, Transmitting and displaying the payment window according to the user terminal; (c) receiving credit card identification information input through a card reader connected to the user terminal; and (d) PG the credit card identification information. Transmitting to the server, (e) transmitting the credit card identification information received by the PG server to a card company server and requesting validation, and (f) the card company server validating the validity of the credit card identification number. Verifying and transmitting the validation information to the PG server; (g) approving the card payment according to the validation information transmitted from the PG server, and receiving the card payment approval information. Transmitting to the shopping mall server and a card company server, and (h) displaying the payment completion window for completing payment by receiving the card payment approval information and transmitting order completion information to a user terminal. It suggests an online payment method.

Here, the credit card identification information may include a password input from the user terminal.

On the other hand, step (b) may further display a selection window for selecting one of the payment method including a payment method through the card reader unit or a conventional payment method.

In addition, the step (b) may further display an identification code to be directly connected to the payment window.

In addition, the step (b) may be sent to the user terminal as a text message to the URL link to be directly connected to the payment window.

For example, in the step (c), a card reader part including a connection part inserted into a connection terminal of a user terminal and a contact part formed on the connection part to read identification information of a credit card is used (c-11). (C-12) reading the identification information of the credit card so that the magnetic part or the IC chip part of the credit card passes or contacts the contact part of the card reader part; (c-13) The method may include transmitting the credit card identification information to the user terminal through a connection unit.

For another example, in the step (c), the card reader unit uses the proximity communication unit installed in the user terminal, (c-21) contacting the credit card with the proximity communication unit, (c-22) the proximity The communication unit may include reading the identification information of the credit card, and (c-23) transmitting the identification information of the credit card to the user terminal.

Through this, the present invention is because the credit card information is not stored inside the user terminal directly because the real card is used directly, and the credit card information entered through the card reader of the user terminal is used only when payment is required, so there is a fear of hacking. Has the advantage of running a secure payment without.

In addition, since the physical card is read to the card reader to transmit the information, the user does not need to enter the credit card information, and payment is convenient because it can be used in the same way as using a credit card directly offline. .

In addition, in the case of using a proximity communication unit, by inputting the password of the credit card together with the transmission, there is an advantage that the credit card in the wallet is read incorrectly or intentionally read can be prevented from being made.

Other effects of the present invention will be apparent to and understood by those skilled in the art through the following detailed description or in the course of carrying out the present invention.

1 is a block diagram showing an online payment system according to an embodiment of the present invention.

Figure 2 is a perspective view showing a card reader of the online payment system according to an embodiment of the present invention

3 is a perspective view illustrating a payment method through a proximity communication unit of an online payment system according to an embodiment of the present invention.

4 is a diagram illustrating a screen of a process until a user completes a payment by accessing a shopping mall using a smart phone.

5 is a view showing a screen of a process until a user completes a payment by accessing a shopping mall using a smartphone, including a password input.

6 is a diagram illustrating a page where a user selects a payment method after shopping using a PC.

7 is a diagram showing a payment page when a user selects a real card payment using a PC.

As the inventive concept allows for various changes and numerous embodiments, particular embodiments will be illustrated in the drawings and described in detail in the text. However, this is not intended to limit the present invention to a specific disclosed form, it should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention.

Terms such as first and second may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as the second component, and similarly, the second component may also be referred to as the first component.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this application, the terms "comprise" or "having" are intended to indicate that there is a feature, number, step, action, component, part, or combination thereof described in the specification, and that one or more other features It should be understood that it does not exclude in advance the possibility of the presence or addition of numbers, steps, actions, components, parts or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art.

Terms such as those defined in the commonly used dictionaries should be construed as having meanings consistent with the meanings in the context of the related art, and shall not be construed in ideal or excessively formal meanings unless expressly defined in this application. Do not.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram showing an online payment system according to an embodiment of the present invention, Figure 2 is a perspective view showing a card reader of the online payment system according to an embodiment of the present invention.

1 and 2, the present invention may include a user terminal 100, a card reader unit 200, a shopping mall server 300, a PG server 400, and a card company server 500.

The user terminal 100 may be provided with a mobile communication service and an Internet service through a mobile communication network or a wireless Internet, and may be installed and used by a user. For example, the concept may include a personal PC, a smart phone, a tablet PC (Personal Computer), a PDA (Personal Digital Assistants), and the like.

The card reader unit 200 may be connected to or installed in the user terminal 100 to read identification information from the real card of the credit card so as to be input to the user terminal 100.

For example, the card reader unit 200 is connected to the user terminal 100, a card reader that can read the credit card identification information through direct contact with the real credit card to the user terminal 100 ( 210 may be used. The contact with the real credit card may read the identification information of the credit card through contact with the magnetic part of the credit card or the IC chip.

The card reader 210 may be configured to include a connection unit 211 for connecting with the user terminal 100 and a contact unit 212 for reading a credit card.

The connection unit 211 may be connected to the earphone terminal, the cable connection terminal, the charging terminal of the user terminal 100, it may be connected via wireless communication such as Bluetooth, Wi-Fi.

The contact unit 212 may read credit card information from a magnetic or IC chip of a real credit card.

The card reader 210 may be connected to the user terminal 100 through a connection unit 211, and credit card identification information may be input to the user terminal 100 through the contact unit 212.

Referring to FIG. 2, an example of connecting the card reader 210 to an earphone connection terminal of a user terminal will be described.

Referring to FIG. 2, the card reader 210 is connected to the user terminal 100 through a connection part 211 formed at one side. The connection part 211 may be connected to the user terminal 100 through an earphone terminal, a cable connection terminal, a charging terminal, or the like of the user terminal 100.

In the present embodiment, a case in which the earphone jack is connected to the user terminal 100 will be described. Specifically, the connection portion 211 of the card reader 210 is formed to protrude so that it can be inserted into the earphone jack connection terminal formed in the user terminal 100, the contact portion 212 is provided on the credit card on one side thereof It is configured to be connected to the magnetic and can read the credit card identification information inserted in the magnetic of the credit card. When making a payment using the card reader 210 as described above, the input of the card information can be input only through the card reader 210, security can be maintained by disabling the keypad or touch input of the smart phone. You can do that.

As another example of the card reader 200, credit card identification information may be input to the user terminal 100 through contact with a credit card through the proximity communication unit 220 of the user terminal 100. can do.

Referring to FIG. 3, when the credit card 10 contacts the proximity communication unit 220, the credit card identification information may be read. When the payment is made using the proximity communication unit 220 as described above, the input of the card information can be input only through the proximity communication unit 220, and the keypad or the touch input of the smart phone can not be maintained by security. You can do that. In addition, after reading the information of the credit card through the proximity communication unit 220, by inputting the password set by the credit card user with the credit card identification information by other users other than the credit card owner without knowing the credit card owner Contacting us can eliminate the possibility of abuse, such as reading credit card information. For example, a credit card in a wallet has a problem in that it is possible to read the card information by contact. Even if the credit card information is read, a password must be entered so that the next step can be performed. By transmitting and authenticating together, it is possible to compensate for the problem that their card can be used without the card user knowing.

The proximity communication unit 220 may transmit and receive information when contacting or approaching each other, such as NFC, RFID, and the like.

When the credit card identification information is transmitted to the user terminal 100 through the card reader 200 as described above, the user terminal 100 provides a payment window provided through a mobile communication network or an internet network or a payment application installed in the user terminal. Through the credit card identification information is encrypted and transmitted to the shopping mall server (300). The encrypted credit card identification information may be transmitted to the PG server 400 together with the authorization request signal and then decoded to determine whether the payment is approved.

The shopping mall server 300 places product information on a web page so that a user can shop online through a mobile communication network or an internet network through the user terminal 100, and allows a user to select and order a necessary product or service. . The shopping mall server 300 may generate and display payment information according to the order information input from the user terminal 100. The shopping mall server 300 displays a payment window on the user terminal 100 that enables payment based on the payment information for payment. Credit card identification information transmitted through the payment window may be received and transmitted to the PG server 400 together with the payment information to request authorization.

On the other hand, the shopping mall server 300 may display on the user terminal a selection window that allows the user to select a payment method using a card reader or a conventional direct input method. This allows to select the existing online credit card payment method and the online payment method using a real card according to the present invention, it is possible to provide a payment system according to the user's selection. For example, when a user inputs order information for a selected product and clicks to make a payment, a window for selecting a payment method appears, and the user can select a desired payment method and proceed with payment.

On the other hand, if an online payment method using a real card, which is the payment method of the present invention, is selected, it includes a shopping mall URL, login information, order information, payment information, etc., and can display an identification code that can be directly accessed through a payment window. . The identification code is to allow the payment to be carried out by another terminal. When the image is read and photographed using an application installed in the terminal, the identification code can confirm order information and payment information and can be directly connected to a payment window where payment is possible.

The identification code is taken by using a camera of a terminal such as a smart phone or tablet PC and then read the information using the application, it is directly connected to the payment window so that payment can be made through the card reader unit 200. That is, since the identification code includes login information, order information and payment information, it is possible to directly access a payment window for payment. For example, when a user completes shopping through a PC and wants to pay a real card using a smart phone, it can be used. In order to pay with a real card, the user can log in to the shopping mall again and log in. There is an advantage that you can easily access the payment window without.

On the other hand, at least one of the QR code or barcode may be selected and used as the identification code. The identification code can be produced and displayed in a variety of identification codes by the user's settings. In addition, instead of the identification code, a URL including login information, order information, and payment information is generated and transmitted to the user terminal through a text message, so that the user can directly access the payment window. In addition, if a shopping mall-only application is installed on the smart phone, a push notification may transmit a URL for directly accessing the payment window to the smart phone.

The PG server 400 receives the credit card identification information and the payment information and transmits the credit card identification information and the payment information to the card company server 500 and corresponds to the credit card identification information based on the validation information received from the card company server 500. The card payment approval information is generated and transmitted to the shopping mall server 300 and the card company server 500.

The card company server 500 receives the credit card identification information and the payment information from the PG server 400 to verify the validity of the credit card identification number pre-stored in the card company database PG server 400 The card payment approval information is received from the PG server 400 and updated in the card company database. On the other hand, if a password is transmitted, such as credit card identification information, the validity information generated by verifying the validity of the credit card identification number and the password of the credit card is transmitted to the PG server 400.

Next, an online payment method using an online payment system according to an embodiment of the present invention will be described.

Referring back to FIG. 1, in the online payment method using an online payment system according to an embodiment of the present invention, the shopping mall server 300 receives order information from the user terminal 100 through a wireless communication network (a). And (b) generating, by the shopping mall server 300, payment information according to the order information, and transmitting and displaying a payment window according to the order information, and connected to the user terminal 100. (C) receiving credit card identification information input through the card reader unit 200, transmitting (d) the credit card identification information to the PG server 400, and the PG server 400 (E) transmitting the received credit card identification information to the card company server 500 and requesting validation, and the card company server 500 verifies the validity of the credit card identification number to the PG server 400. (F) transmitting the validation information to the network And (g) approving the card payment according to the validation information received by the PG server 400 and transmitting the card payment approval information to the shopping mall server 300 and the card company server 500. The server 300 may include the step (h) of displaying the payment completion window for completing the payment by receiving the card payment approval information and transmitting the order completion information to the user terminal 100.

In the step (a), the shopping mall server 300 receives the order information from the user terminal 100. The user uses the user terminal 100, such as a user PC or a smart phone, to access the shopping mall server 300. ) Selects the item to purchase, and the shopping mall server 300 generates order information for the selected item.

In step (b), the shopping mall server 300 generates payment information according to the order information received, and generates and displays a payment window for payment. That is, when a user selects an item and input of order information is completed, a payment window for payment is displayed.

In this case, the payment window may further display a selection window for selecting one of various payment methods including a payment method through the card reader unit 200 or a conventional payment method. For example, a selection window for selecting a payment method that has been used and a payment method using the card reader 200 according to the present invention is displayed.

In addition, when a payment method using the card reader unit 200 according to the present invention is selected, an identification code is displayed on the payment window so that the user terminal 100 or another user's user terminal can be directly connected to the payment window. can do. For example, by creating a QR code in the payment window to be connected directly to the payment window using the QR code on the smartphone. This method allows the user to complete the shopping using a PC and move directly to the payment window on the smart phone when the user wants to use the card reader 200 connected to the smart phone. In other words, in order to use the card reader 200, the user enters the shopping mall address in the smart phone, logs in, and does not need to go to the order information page again, so that the user can move directly to the payment window, thereby providing convenience for making the payment immediately. It works.

On the other hand, by creating a URL link rather than an identification code, it can be sent as a text message can be moved directly to the payment window through the link. The text message may be transmitted to a user's smartphone that has been previously input, or may be set to be transmitted to another user's smartphone by inputting another phone number. In addition, when an application dedicated to a shopping mall is installed, the access URL may be transmitted through a push notification through the application.

Step (c) is a step of receiving credit card identification information for payment, and receives credit card identification information through a card reader unit 200 connected to the user terminal 100.

At this time, the card reader unit 200 is connected to the connection terminal 211 is inserted into the connection terminal of the user terminal 100 on one side, the contact portion (2) formed on the other side of the connection unit 211 to read the identification information of the credit card ( A card reader 210 including 212 may be used, and the user may pass a real card through the contact unit 212 of the card reader 210 so that the credit card information may be directly input into the payment window. At this time, the connection terminal is an earphone jack connection terminal. It may be a cable connection terminal, a charging terminal, and the like, and may use wireless communication such as Bluetooth, Wi-Fi, and the like.

At this time, the step (c) is a step (c-11) of connecting the connection portion 211 of the card reader 210 to the connection terminal of the user terminal 100, the magnetic portion of the credit card, or the IC chip is (C-12) reading the identification information of the credit card by passing through or making contact with the contact unit 212 and transmitting the credit card identification information to the user terminal 100 through the connection unit 211 of the card reader 210. It may include the step (c-13). For example, when the card reader 210 is connected to the user terminal 100 and the magnetic part of the credit card passes through the contact portion 212 of the card reader 210, the identification information of the credit card is input to the payment window of the user terminal. do. In addition, the IC chip portion of the credit card may be in contact with the contact portion 212 of the card reader 210 so that the identification information of the credit card may be input to the payment window of the user terminal.

In addition, in step (c), the card reader unit 200 receives credit card identification information into the user terminal 100 through contact with the credit card through the proximity communication unit 220 of the user terminal 100. can do. That is, when the credit card 10 contacts the proximity communication unit 220, the credit card identification information may be read. When the payment is made using the proximity communication unit 220 as described above, the input of the card information can be input only through the proximity communication unit 220, and the keypad or the touch input of the smart phone can not be maintained by security. You can do that. In addition, after reading the information of the credit card through the proximity communication unit 220, after entering the credit card password, it is possible to proceed to the next step and sent with the credit card identification information to be approved by other users without knowing the credit card. Contact can be used to eliminate the possibility of abuse, such as reading credit card information. For example, a credit card in a wallet has a problem in that it is possible to read the card information by contact. Even if the credit card information is read, a password must be entered so that the next step can be performed. By having the approval as is to compensate for the problem that their card can be used without the card user knows.

In this case, step (c) includes contacting the credit card with the proximity communication unit 220 (c-21), reading the identification information of the credit card by the proximity communication unit 220 (c-22) and And transmitting the identification information of the credit card to the user terminal (c-23).

On the other hand, when the proximity communication unit 220 is in close contact with the credit card in the state in which the active communication unit 220 is activated, the proximity communication unit 220 reads the identification information of the credit card input window for inputting a password You can print it on the screen. When the user enters the password of the credit card, the password of the credit card together with the credit card identification information is transmitted to the PG server 400, the card company server 500 to confirm the credit card identification information and password after approval So that payment can be completed.

In step (d), the credit card identification information input in the payment window is transmitted to the PG server 400. The credit card identification information input through the card reader unit 200 is transmitted to the PG server 400 for approval. Ask.

Step (e) transmits the credit card identification information received by the PG server 400 to the card company server 500 to request validation.

In step (f), the card company server 500 verifies the validity of the credit card identification number that is requested to be verified and transmits the validation information to the PG server 400.

In step (g), the PG server 400 approves the card payment according to the validation information received from the card company server 500, and the card payment approval information is stored in the shopping mall server 300 and the card company server ( 500).

In step (h), the shopping mall server 300 receives the card payment approval information, displays a payment completion window for completing the payment, and transmits the order completion information to the user terminal 100. At this time, the card company server 500 updates the payment amount in the card company database.

Hereinafter, a case in which the user actually uses the online payment system according to an embodiment of the present invention will be described in more detail.

4 is a diagram illustrating a screen of a process until a user accesses a shopping mall using a smart phone to complete a payment.

Referring to FIG. 4, a user starts shopping in order to access a shopping mall using a smart phone and purchase necessary items (S1).

In this case, the shopping page is provided by the shopping mall server, and when the user completes shopping, the shopping mall server generates order information and payment information (S2).

When the order information and payment information is generated as described above, a payment button is generated (S3).

In addition, when the payment button is pressed, a payment window for payment is displayed (S4).

At this time, when the credit card payment button is clicked on the user's smart phone and the identification information of the credit card is read using the card reader 200 of the smart phone, the credit card information is automatically input (S5).

In this case, the method of reading the identification information of the credit card through the card reader unit 200 of step S5 will be described in more detail with reference to various embodiments.

The first embodiment is a method of identifying using the card reader 210.

Referring to FIG. 2, in the method of using the card reader 210, after inserting the connection portion 211 of the card reader 210 into the earphone terminal of the user's smart phone, click the credit card payment button, and the card reader 210. When the magnetic portion of the credit card passes through the contact portion 212 of the c) or when the IC chip portion is touched, the contact portion 212 reads the credit card information and automatically inputs the credit card information through the connection portion 211. If the card is not read, click the reread button and read the credit card into the card reader.

That is, the user directly connects the card reader 210 to the connection terminal of the smart phone, and directly read the real credit card through the card reader 210 to enter the credit card information by directly inputting the card number, password input and authentication You can easily enter credit card information without going through the authentication process.

The second embodiment is an identification method through the proximity communication unit 220.

5 is a diagram illustrating a screen of a process until a user completes a payment by accessing a shopping mall using a smartphone, including a password input.

Referring to FIGS. 3 and 5, the method of using the proximity communication unit 220 includes clicking a credit card payment button and bringing the credit card close to the user's smart phone, and through the proximity communication with the proximity communication unit 220. Read the information, and outputs an input window for inputting the password (S5-1). When the user enters the password in the password input window is sent to the PG server, such as credit card information is approved through the card company server.

That is, when the password is input, the credit card identification information and the password inputted from the application installed in the smart phone are combined and transmitted to the PG server, and the PG server makes an authorization request to the card company server to match the credit card identification information and the password. If you do it is to make payment.

On the other hand, the method of inputting the password can be equally applied to the embodiment using a card reader. However, in the case of using the card reader 210, since the card must be directly in contact with the contact portion, even if the use of the password can be omitted, the abuse of the credit card can be eliminated.

As described above, the user can directly enter the card payment information by entering the card payment information by connecting the card reader to the connection terminal of the smart phone, or to obtain the credit card information from the real card through the proximity of the credit card to the proximity communication unit The credit card allows you to easily make payments without going through the accreditation process.

In addition, when using the proximity communication unit because the payment is possible using the application and the proximity communication installed on the smart phone, so that the payment information and password, the procedure of authorized authentication can be carried out more convenient.

Thereafter, if the transaction request button is clicked after inputting the installment month number (S6), a window for signature is displayed. When the signature is completed and the confirmation button is clicked, the credit card identification information is transmitted to the shopping mall server, and the shopping mall server transmits payment information and credit card identification information to the PG server to request authorization. The PG server receiving the approval request transmits the card company's server to the credit card company's server and requests validation. The card company server verifies the validity of the credit card identification number and transmits the validation information to the PG server, and the PG server approves the card payment according to the received validation information and sends the card payment approval information to the shopping mall server and the card company. Send to server. The shopping mall server displays the transaction approval window for completing payment by receiving the card payment approval information (S7), transmitting the order completion information to the user terminal (S8), and delivering the goods.

On the other hand, when a user shopping using a PC, looking at an embodiment of using a payment method using a card reader connected to the user's smart phone as follows.

FIG. 6 is a diagram illustrating a page where a user selects a payment method after shopping using a PC. FIG. 7 is a diagram illustrating a payment page when a user selects a real card payment using a PC.

6 and 7, when the user selects a payment method after completing shopping using a PC, when the user selects a payment method using a real credit card and then presses the payment button, as shown in FIG. 7. As the payment page is switched, the amount and the QR code and a text message sending button are generated.

In this case, when the QR code is read using an application, the user can directly access a payment window where the user can pay the amount of shopping on the PC. In addition, when the text message button is clicked, a URL link for directly accessing a payment page is transmitted to a phone number entered in user information. The QR code and the URL link includes all of the login information, order information, and payment information, and the user can immediately access the payment page without logging in to the shopping mall or searching for the order information from the smart phone.

After that, it is directly connected to the payment page as described above in step S5 of FIG. 4, and thereafter, the card reader is connected to the smart phone so that the payment proceeds through the steps S5 to S8 of FIG. 4. do.

Therefore, the user does not need to access the shopping mall using the smart phone again to pay using the card reader connected to the smart phone after completing shopping using a PC, reading a QR code or using a URL link. Because it is possible to access immediately, there is an advantage that more convenient payment is possible. In addition, there is no fear of hacking the card information because the real card is used, and because it uses a method such as payment offline without using a certificate, there is an advantage that faster and more accurate payment is possible.

Although not shown in the drawing, a selection window for selecting a payment method may be displayed on the payment window. The payment method may be displayed in a variety of payment methods, such as direct deposit, credit card payment, mobile phone payment, this can be displayed by adding a payment method using a card reader.

The embodiments described above are just examples, and those skilled in the art may make various modifications and changes without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

Claims

A card reader unit for reading a credit card and allowing a user terminal to input identification information of the credit card;

Providing shopping information to the user terminal to generate the payment information by receiving the order information from the user terminal, and receives the credit card identification information input to the user terminal through the card reader unit to the authorization request to the PG server through the wireless communication network, Thereafter, the shopping mall server receives payment approval information from the PG server and transmits an order completion indication to a user terminal;

Receives the credit card identification information and payment information and transmits it to the card company server for card validation request, and generates card payment approval information corresponding to the credit card identification information based on the validation information received from the card company server. PG server for transmitting to the shopping mall server and card company server; And

Receive credit card identification information and payment information from the PG server and transmit the validation information generated by validating the credit card identification number stored in the card company database to the PG server, and the card payment approval information from the PG server. An online payment system including a card company server for receiving and updating the payment amount in the card company database.
According to claim 1,

The card reader unit,

A connection unit connected to the user terminal; And

An online payment system formed in the connection unit and including a contact unit configured to read identification information of the credit card through contact with a real credit card.
According to claim 1,

The card reader unit,

An online payment system including a proximity communication unit for reading the identification information of the credit card through the contact or proximity of the credit card.
According to claim 1,

And the identification information of the credit card includes a credit card password entered through the user terminal.
According to claim 1,

The shopping mall server displays a selection window for a user to select one of various payment methods including a payment method through the card reader unit or a conventional payment method.

If the payment through the card reader unit is selected, the online payment system, characterized in that to display on the screen an identification code that allows another user terminal to connect directly to the payment window.
The method of claim 5,

On-line payment system, characterized in that the user terminal by taking the identification code to read the information, the card reader to be connected directly to the payment window to make a payment.
The method of claim 5,

The identification code,

Online payment system, characterized in that at least one of the QR code or bar code is selected and used.
According to claim 1,

The shopping mall server,

Display a selection window for the user to select a payment method through the card reader unit or an existing direct input method,

If the payment through the card reader is selected, the online payment system, characterized in that it generates a message containing a URL that can be directly connected to the payment window and transmits it to the user terminal.
(a) receiving, by the shopping mall server, order information from a user terminal through a wireless communication network;

(b) generating, by the shopping mall server, payment information according to the order information, and transmitting and displaying the payment window according to the user terminal;

(c) receiving credit card identification information input through a card reader connected to the user terminal;

(d) transmitting the credit card identification information to a PG server;

(e) requesting validation by transmitting credit card identification information received by the PG server to a card company server;

(f) the card company server verifying the validity of the credit card identification number and transmitting the validation information to the PG server;

(g) approving card payment according to the validation information received by the PG server, and transmitting card payment approval information to the shopping mall server and a card company server; And

(h) the shopping mall server displaying the payment completion window for completing the payment by receiving the card payment approval information and transmitting the order completion information to the user terminal.
The method of claim 9,

The credit card identification information includes a password input from the user terminal.
The method of claim 9,

In step (b),

An online payment method further comprising a selection window for selecting one of a payment method including a payment method through a card reader unit or a conventional payment method.
The method of claim 9,

In step (b),

On-line payment method characterized in that to further display the identification code to be connected directly to the payment window.
The method of claim 9,

Step (b) is

On-line payment method characterized in that the URL link to be directly connected to the payment window sent to the user terminal as a text message.
The method of claim 9,

In the step (c), using a card reader including a connecting portion inserted into the connection terminal of the user terminal, and a contact portion formed in the connecting portion to read the identification information of the credit card,

(c-11) connecting the connection unit of the card reader unit to the connection terminal of the user terminal;

(c-12) reading the identification information of the credit card such that the magnetic part or the IC chip part of the credit card passes or contacts the contact part; And

(c-13) Online payment method comprising the step of transmitting the credit card identification information to the user terminal through the connection.
The method of claim 9,

In step (c), the card reader unit uses the proximity communication unit installed in the user terminal.

(c-21) contacting the credit card with the proximity communication unit;

(c-22) reading, by the proximity communication unit, identification information of the credit card; And

(c-23) Online payment method comprising the step of transmitting the identification information of the credit card to the user terminal.