WO2016064053A1 - Online payment system and payment method using same - Google Patents

Online payment system and payment method using same Download PDF

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Publication number
WO2016064053A1
WO2016064053A1 PCT/KR2015/004025 KR2015004025W WO2016064053A1 WO 2016064053 A1 WO2016064053 A1 WO 2016064053A1 KR 2015004025 W KR2015004025 W KR 2015004025W WO 2016064053 A1 WO2016064053 A1 WO 2016064053A1
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WO
WIPO (PCT)
Prior art keywords
payment
card
information
credit card
server
Prior art date
Application number
PCT/KR2015/004025
Other languages
French (fr)
Korean (ko)
Inventor
정한욱
Original Assignee
(주) 맑은 생각
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to KR20140144533 priority Critical
Priority to KR10-2014-0144533 priority
Priority to KR10-2015-0056210 priority
Priority to KR1020150056210A priority patent/KR20160047970A/en
Application filed by (주) 맑은 생각 filed Critical (주) 맑은 생각
Publication of WO2016064053A1 publication Critical patent/WO2016064053A1/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING 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

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

Payment and online payment system using the same.

The present invention relates to an online payment system, and this billing method that allows the online payment using, and more particularly, relates to a physical card payment method using the payment system, and this line.

While the recent increase in online shopping is getting a lot of purchases via online, there are a variety of payment methods including payment also applies to account transfers, payment point, credit cards accordingly.

In the case of a credit card through the online payment, after the user enters the credit card identification number, password, expiration date and CVC code, online, and through the input of a certificate or disposable Verified password to authenticate the user's credit card is to complete the payment process for purchases. In other words, users need to fill in your credit card information directly on-line, and had its inconvenience to complicated certification procedures in the future.

On the other hand, to release a mobile credit card to embed their credit card information to the mobile phones and widely used in order to eliminate the inconvenience as described above.

The mobile credit card has the advantage of being able to make purchases anywhere anytime access to the Internet shopping mall due to the available wireless internet communication of the mobile phone environment. On the other hand, if you visit a store to buy a product, it can be done with common payment card reader using the same plastic card issued upon issuance of the mobile credit card.

However, mobile credit card has the disadvantage that the user because it is the credit card information is stored on a mobile phone possession, unauthorized credit card information can be hacked.

In addition, the mobile credit card to another electronic device, such as a standard PC or state fleet or other mobile phone other than the one of a mobile phone with a built-in credit card information can not perform product purchases and payments. That is, it is inconvenient to use as the compatibility of the credit falls.

Uncomfortable, so if you want to buy from an online shopping mall on your mobile phone or PC rather than a mobile phone with mobile credit cards built in, to use the plastic cards issued, as when a mobile credit card at this time, you must enter your credit card information in the process, and enter your credit card information, there is a possibility that the hacked credit card information.

So as to solve the objective problems of the prior art of the present invention, even in the case of a payment of online shopping users without entering credit card information using a physical card for convenient payment methods such as payment of offline to prevent hacking of information by making, and to provide an online payment system and payment method using the same which can have both security and convenience.

However, an object of the present invention is not limited to the details mentioned above, that is not referred to is yet another object will be able to be clearly understood to those skilled in the art from the following description.

To achieve the above objective, the present invention provides billing information, and a card that allows to read the credit card user terminal can receive the identification information of the credit card reader unit, providing shopping information to the user terminal receives the order information from the user terminal the generating and receiving by way of a the card reader transmits the credit card identification information input to the user terminal receiving and payment authorization information from the PG server after the authorization request to the PG server through a wireless communication network, and the order has been displayed on the user terminal, and the shopping mall server to transfer the credit card identification information and the payment information transmitted received transmits it to the card company server, and the card validation request corresponds to the identified credit card information on the basis of the validation information is received from the card company server cards to create a payment authorization information to a server and four shopping card Transmitting a burrow transmission PG Server and, the PG credit card from the server, identification information and billing information, a transmission receiving a stored validation information that is generated by verifying the validity of the credit card identification number in the card company database that PG server, wherein PG the payment received transfer credit card payment authorization information from the server presented an online payment system that includes the four cards on the server to update the card company databases.

, For example, may include the card reader unit connection part and which is inserted connected to a connection terminal of the user terminal, is formed on the connecting contacts to read the identification of the credit card through the contact with the actual credit card.

In another example, it may comprise a proximity communication unit to read the identity of the credit card through the contact or proximity of the card reader unit credit.

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

On the other hand, if the shopping mall server payment by users call a variety of payment methods one kind of display a selection window where you can select, and the card from the reader, including the payment via the payment method or enter an existing directly through parts of the card reader Once selected you can display an identification code so that users from other devices can connect directly to the payment window on the screen.

Here, in the user terminal reads the information by photographing the identification code, by using parts of the card reader may be connected directly to the payment window to the payment.

, For example, the identification code may be used at least one of the QR code or bar code is selected.

In addition, the shopping mall server contains a URL that a user cards when displaying a selection window where you can select the payment method with payment or enter existing directly through parts of the reader and the card reader part payment has been selected by directly connecting to the payment window to produce messages that may be transmitted to the user terminal.

Further, in order to achieve the above objects, the present invention provides (a) Store step the server is receiving transmission order information from the user terminal through a wireless communication network and, (b) the shopping mall server generates the billing information according to the order information, in the step of displaying by sending a payment window to the user terminal in accordance with, (c) and the step of receiving transmitting the credit card identification information input by way of a card reader associated with the user terminal, (d) PG for the credit card identification information sending to the server and, (e) and the step of requesting the validation by sending a credit card identification information is the PG server receives a card company server, (f) the validity of the identification the card company server of a credit card number, phase and, (g) above and PG server approves the payment card in accordance with the received validation information, card payment authorization information to verify the validity by sending information to the server PG Transmitting to the shopping mall server and the card company server and, (h) the shopping mall server comprises displaying the payment completion window to complete your payment receiving and the card payment authorization information and transmits the order completion information to the user terminal It presents an online payment method.

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

On the other hand, the step (b) may further display the choice to select one of the payment window containing a form of payment through the payment method input or existing parts directly through the card reader.

Further, the step (b) may further display the identification code to be immediately connected to the payment window.

Further, the step (b) may transmit a URL to the user terminal links to be immediately connected to the payment window to a text message.

In, for example, the step (c), and the coupling part to be inserted into the connecting terminal of the user terminal, and use parts are formed in the connection card, comprising a contact for reading identification information of a credit card reader, (c-11 ) step to read the identification information of the phase and, (c-12) with a magnetic part or the IC chip portion of the credit card to pass or contact the contact credit card for connecting the card reader portion connecting the connection terminal of the user terminal and, (c-13) may comprise the step of transmitting to the user terminal through the connection to the credit card identification information.

In another example, using a proximity communication unit that is installed in the card reader unit the user terminal in step (c) and, (c-21) step and, (c-22) wherein the close-contacting a credit card on the proximity communication unit and a communication step that reads the identification information of the credit card, (c-23) may comprise the step of transmitting the identification information of the credit card to the user terminal.

Through this, the present invention concerns a hacking because it uses the actual card directly rather not have the credit card information is stored in the internal user terminal, due to the use of the credit card information via card reader portion of the user terminal only if the payment required an advantage that can be run without a secure payment.

Also, read the real card into the card reader unit transmits information, so there is no need to enter credit card information, billing is a convenient advantage because they can equally be used, and how you pay directly using their credit cards offline .

In addition, when using the proximity communication unit, it has the advantage of credit cards in the wallet by making such transfer, enter the password for your credit card together to prevent invalid read or deliberately read a payment is made.

Other effects of the present invention will be via the specific details, or identifying and become apparent to experts and researchers in the art in the course of carrying out the invention understood to be described below.

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

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

Figure 3 is a perspective view showing the pay via a proximity communication unit of the online payment system according to one embodiment of the present invention

4 is an user using a smart phone showing a screen of a process until the access to the shopping mall to be the payment has been completed,

5 is a diagram showing a screen of a process until the payment is made by the user using a smart phone connected to the mall, including password input

Figure 6 is a view of the page, the user selects a payment method after shopping using the PC

Figure 7 is a view of the payment page when the user selects a real credit card payment using the PC

The invention will be described in an example in bars, reference to specific embodiments which may have a variety of forms can be applied to various changes and detailed in the text. But is by no means to restrict the present invention to the particular form disclosed, it is to be understood as embracing all included in the spirit and scope of the present invention changes, equivalents and substitutes.

First and may be used for the term of the second and so on are described various elements, but the above elements shall not be restricted to the above terms. These terms are only used to distinguish one element from the other. For example, without departing from the scope of the present invention, the first component may be referred to as a second configuration can be named as an element, similar to the first component is also a second component.

Terms used in this application are merely used to describe particular embodiments, and are not intended to limit the present invention. Expression in the singular number include a plural forms unless the context clearly indicates otherwise. In this application, the terms "inclusive" or "gajida" and the term is that which you want to specify that the features, numbers, steps, operations, elements, parts or to present combinations thereof described in the specification, one or another feature more or numbers, steps, operations, elements, the presence or addition of parts or combinations thereof and are not intended to preclude.

One, including technical and scientific terms, all terms used herein that are not otherwise defined have the same meaning as commonly understood by one of ordinary skill in the art.

Any term that is defined in a general used dictionary are to be interpreted as having the same meaning in the context of the relevant art, unless expressly defined in this application, not be interpreted to have an idealistic or excessively formalistic meaning no.

With reference to the drawings, it will be described in detail preferred embodiments of 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 one embodiment of the present invention.

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

The user terminal 100 is a device that can receive a mobile communication service and Internet service through the mobile communication network or wireless Internet, the user can use to install a program or application. For example, it may be a personal PC, a smart phone, a concept that encompasses a tablet, such as PC (Personal Computer), PDA (Personal Digital Assistants).

Card reader unit 200 can allow the connection to the user terminal 100 or installed to read the identification information from the physical card of a credit card provided by the user terminal 100.

For example, the card reader unit 200 is connected to the user terminal 100, that can be through direct contact with the actual credit card to read the credit card identification information transmitted to the user terminal 100, a card reader ( 210) can be used. Contacts with the actual credit card can read the identity of the credit card through the contact between the magnetic unit or IC chip of a credit card.

The card reader 210 may be configured to include a contact portion 212 with the connection portion 211, which allows to connect with the user terminal 100, to read the credit card.

The connection portion 211 may be capable of connecting with the earphone jack, the cable connection terminal, the charging terminal of the user terminal 100 in the form, can be connected through a wireless communication such and Bluetooth, Wi-Fi.

The contact portion 212 may read the credit card information from the IC chip of the magnetic or physical credit card.

Such a card reader 210 may ensure that the credit card identification information is input to the user terminal (100) being connected to the user terminal 100 through the connection 211, via the contact portion 212. The

Referring to Fig. 2, description will be made on an example to connect the said card reader 210, the earphone connection terminal of the user terminal.

2, the card reader 210 is through a connecting portion 211 which is formed on one side connected to a user terminal 100. The connection portion 211 may be through a user terminal of the earphone terminal 100, the cable connection terminal, charging terminal or the like connected to a user terminal 100.

In this embodiment, description will be given of a case that is connected through the earphone jack connection terminal of the user terminal 100. Specifically, connecting portion 211 of the card reader 210 is formed to protrude so as to be inserted into the earphone jack connection terminals formed on the user terminal 100, the contact portion 212 is provided on the credit card on one side thereof is configured to be connected to the magnetic it can be read with a magnetic credit card identification information into the credit card. If you make a payment using the card reader 210 as described above, the type of the card information can be input only through the card reader 210, a keypad or a touch input of the smart phone can be a by having not secure It can help.

On the other hand, so that the input to another, for example, the user terminal 100 in close-up the communication contact with the credit card identification information is the user terminal (100) with the credit card through 220 of the card reader unit 200 can do.

Figure 3 is a perspective view showing the pay via a proximity communication unit of the online payment system according to one embodiment of the present invention.

Referring to Figure 3, when in contact with the credit card 10 in the proximity communication unit 220 can read a credit card identification information. If you make a payment by using a proximity communication unit 220 as described above, the type of the card information can be input through a proximity communication unit 220, a keypad or a touch input of the smart phone can be a by having not secure It can help. In addition, after reading the information of the credit card through the proximity communication unit 220 by sending, such as a credit card identification information by entering the password, a credit card user setting the user other than the credit card owner, a credit card owner knowing credit card through the contact it can be to get rid of a room that can be exploited, such as reading the information on the credit card. For example, a credit card in the wallet there is a problem that can read the card information through the contact, even read your credit card information, your password must be entered to be able to proceed to the next step, the password and identification credit card information to be sent by authenticated users will unknowingly card to complement the issues that their cards can be used together.

The proximity communication unit 220 may be to be able to receive the information when in contact with or close to each other, such as NFC, RFID.

Thus when, as the card is a credit card identification information through the reader unit 200 is transmitted to the user terminal 100, the user terminal 100, a payment that is installed on a payment window or a user terminal that is provided through the mobile communication network or internet applications It encrypts the credit card identification information and transmits it to the shopping server 300 via a. Said encrypted credit card identification information is decoded is sent with the authorization request signal to the PG server 400 may determine whether or not a payment approval.

Mall server 300 to be posted product information on the web page to the online to the mobile network or the Internet network via the user terminal 100, shopping, and allows the user to order by choosing the required goods or services . The shopping mall server 300 can display the generated billing information according to the order information sent from the user terminal 100. The shopping mall server 300 for clearance to display the window for settlement to the settlement on the basis of the billing information on the user terminal 100. Accept transfer credit card identifying information that is sent through the payment window can ask for approval to transfer the PG server 400 together with the payment information.

On the other hand, the shopping mall server 300, the user can display a selection window to select a form of payment by a payment type or existing directly through the card reader in a user terminal. It may be that you are using so that you can select an existing online credit card payment and online payment system using a physical card in accordance with the present invention, depending on the user's selection to provide a payment system accordingly. For example, a window appears where you can choose to pay when a user clicks on a payment, enter the order information for the selected product, you can proceed to payment by selecting a payment method of their choice.

On the other hand, if the online payment system using a physical card of payment system of the present invention is selected, the Store URL, login, and contains information, order information and payment details, etc. can be displayed directly accessible identification code to the payment window on the screen . The identification code is that to make a payment from another terminal, if the read out after recording by using an application or the like provided on the device can verify the order and payment information and can be connected directly to the payment window is billable.

Said identification code when using the phone or after recording by using the device of the camera, such as a tablet PC applications to read the information, the card is directly connected to the payment window to be able to perform the payment through the reader unit 200. The That is, the login information to the identification codes, ordering information, and it contains payment information will be available right up to the payment window, where you can pay it. For example, a user may be used if you want to after you have completed shopping via the PC smart phone the actual credit card payment using, again connected to the mall on your smartphone and hassle to login to pay with real cards there is an advantage that can be easily accessed without payment window.

On the other hand, the identification code may be used at least one of the QR code or bar code is selected. The identification code can be displayed is produced in a variety of identification codes according to a user setting. Further, by creating a URL that includes the login information, order information and payment information, in place of the identification code by sending a text message, such as through the user terminal may be the user and to be connected directly to a payment window. In addition, if you are shopping on a smartphone-only application installed can send a URL that can be directly connected to the payment window to smart phones through a push (push) notifications.

PG server 400 the credit card identification information and the receiving and billing information and sends it to the card company server 500, on the basis of the validation information is received from the card company server 500 corresponding to the credit card identification information create a card payment authorization information to be transmitted to the shopping server 300 and the card company server 500.

Card company server 500 is the PG credit card identification information and billing information, a transmission receiving a stored validation information that is generated by verifying the validity of the credit card identification number in the card company database from the PG server 400, server 400 transfer and update your payment receiving and card payment authorization information from the PG server 400 to the card company's database to. On the other hand, when the password is transmitted, such as a credit card identification information, and transmits the validity of the password validation information that is generated by verification to match the credit card identified in credit card numbers PG server 400.

Next is a description of the online payment using the online payment system according to an embodiment of the present invention.

Again, FIG. 1, the online payment using the online payment system according to an embodiment of the present invention comprises the steps mall server 300 receives transmitting the order information from user terminal 100 through the wireless communication network (a) and, associated with the step (b) with the user terminal 100 to the shopping mall server 300, the display generates the billing information according to the order information and transmits the payment window accordingly to the user terminal (100) and a card reader unit 200, a credit card identification information transmission step of receiving (c) input from the step (d), and the PG server 400 and transmitting the credit card identification information to the PG server 400 is step by sending the identified credit card information received by the card company server 500 to request validation (e), and the PG server 400 to the card company server 500 to verify the validity of the credit card identification number a step of sending the validation information (f) , And step (g) to the PG server 400 approves the card payment according to the received validation information, and transmits the card payment authorization information in the shopping mall server 300 and the card company server 500, the shopping mall server 300 may comprise a step (h) displaying the payment received window to complete the payment receiving and the card payment authorization information and transmits an order completion information to the user terminal 100.

Step (a) the shopping mall server 300, the user terminal by receiving transmission order information from the 100 step, the shopping mall server (300 user via the Internet connection using the user terminal 100 such as the PC or smart phone ) by selecting the item to be purchased connected to, and the shopping mall server 300 generates the order information for the selected goods.

(B) step is a step of displaying the generated billing information according to the order information, the mall server 300 receives the transmission, generates a payment for the payment window. That is, if the user selects an item and completes the input of the order information, and displays the payment window for payments.

In this case, the settlement window may further display a selection window for selecting one of the various forms of payment including a payment card reader via the input unit 200, a direct payment or an existing over. For example, the payment method used in the conventional, the selection window in a choice of payment methods using a card reader unit 200 according to the present invention is represented.

Further, to be directly coupled if the form of payment by the card reader unit 200 according to the present invention is selected from the settlement window his user terminal 100, or other user of the user terminal to display an identification code to the payment window can do. For example, to create a QR code in a payment window by using the QR code on the smart phone would be connected directly to the payment window. This method allows the user to jump directly to a payment window on your smartphone if you use the PC to complete the shopping, and you want to use a card reader unit 200 is connected with a smartphone. In other words, give comfort to make your payment by allowing you to jump directly to the payment window without typing the mall address on the smartphone to login to be moved back to the order information page and proceed directly to use a card reader unit (200) It will be effective.

On the other hand, it generates a URL link instead of an identification code, and can help you jump directly to the payment window via a link by enabling them to send text messages. Transmission of the text message is transferred to the user's smart phone that is pre-filled, to enter a different number may be set to be transferred to the smart phone for other users. Further, in the case where the mall-only application is installed, it is possible to transmit the connection through the URL push (push) the notification via the application.

Step (c) is input to the credit card identification information to the payment sent to the receiving stage, information identifying the credit card through the card reader unit 200 connected to the user terminal 100.

At this time, as the card reader unit 200 includes a connection portion 211 to be inserted into the connecting terminal of the user terminal 100 at one side, is formed on the other side of the connection portion 211 contacts to read the identification information of the credit card ( 212) can use the card reader 210, which includes a can, so that the user is in the physical card to pass the contact portion 212 of the card reader 210, credit card information may be input to the right payment window. In this case, the connection terminal is connected to the earphone jack terminal. Or the like cable connection terminal, the charging terminal, and may use a wireless communication such as Bluetooth, Wi-Fi.

In this case, the step (c) comprises a magnetic portion, the IC chip of the step (c-11), and a credit card to connect the connecting portion 211 of the card reader 210 to the connecting terminal of the user terminal 100 is the phase so as to pass or contact the contact portion 212 to read the identity of the credit card (c-12), and transmits the identification information of the credit card to the user terminal 100 through the connecting portion 211 of the card reader 210 step may include (c-13) that. For example, the connection to the card reader 210 and the user terminal 100, and is passed through the magnetic portion of the credit card to the contact portion 212 of the card reader 210, the input identification information of the credit card is a payment window of a user terminal do. In addition, by contacting the IC chip portion of the credit card to the contact portion 212 of the card reader 210 can be such that input the identity of the credit card for payment window of the user terminal.

Also, such input in the step (c) to close-up the communication contact with the credit card identification information is the user terminal (100) with the credit card through 220 of the card reader unit 200 includes the user terminals 100 can do. That is, when in contact with the credit card 10 in the proximity communication unit 220 can read a credit card identification information. If you make a payment by using a proximity communication unit 220 as described above, the type of the card information can be input through a proximity communication unit 220, a keypad or a touch input of the smart phone can be a by having not secure It can help. Further, after via the proximity communication unit 220 reads the information of the credit card by receive After entering the credit card password can proceed to the next step and authorization is transferred along with the credit card identification information is the other without the user's knowledge of the credit card It may be to eliminate the room that can be exploited, such as reading the information on the credit card through a contact. For example, a credit card in the wallet there is a problem that can read the card information through the contact, even if they read your credit card information, your password must be entered to be able to proceed to the next step, with the credit card identification password by receive such an approval is that card users may unwittingly be supplemented problems with their cards can be used.

The proximity communication unit 220 may be to be able to receive the information when in contact with or close to each other, such as NFC, RFID.

In this case, the step (c) and step (c-21), contacting a credit card on the proximity communication unit 220, the neighboring communication step 220 that reads the identification information of the credit card (c-22) and , it may include the step (c-23) for transmitting the identification information of the credit card to the user terminal.

On the other hand, the input window, that can be entered and then when the proximity communication unit 220 is to be in close contact proximity communication unit 220, a credit card in a state in which activation the proximity communication unit 220 is reading the identification information of the credit card password It can be displayed on the screen. The user and when the input password of the credit card, and the password of the credit card with the credit card identification information is transmitted as a PG server 400, a card company server 500, the approval after confirming the credit card identification information and the password, to allow the payment could be completed.

Step (d) said credit card identification information by sending a PG server 400, card authorization to transmit the credit card identification information entered through the reader unit 200 to the PG server 400 input to the payment window the request.

Step (e) requests the validation by sending a credit card identification information received by the server the PG 400 to the card company server 500 for approval.

(F) step is to send the validation information to the PG server 400 to verify the validity of the identification card company server 500, a credit card number, the requested verification.

(G) step is the PG server 400 that the card company server receiving received and approved by the credit card payment in accordance with the validation information, wherein the card payment approval information to the shopping mall server 300 and the card company server from 500 ( and it transmits it to 500).

(H) step is to display the payment completion window to complete your payment accepted the shopping mall server 300 transmits the card payment authorization information and transmits the order to complete the information to the user terminal (100). In this case, the card company server 500 to update the payment to the card company databases.

It will now be more particularly described with respect to the online payment system according to an embodiment of the present invention when the user actually uses.

4 is a diagram showing a screen of a process until the user using a smart phone to be connected to the shopping payment is made.

Referring to FIG. 4, the user is using a smartphone connected to a shopping mall and start shopping to buy the necessary goods (S1).

At this time, the shopping page is provided by the shopping mall server, when the user completes a shopping mall server generates an order and payment information (S2).

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

Furthermore, when the pressing of the button is displayed payment window to pay for a payment (S4).

At this time, the user's smart phone click credit card payment button, and when using the card reader unit 200, the smart phone to read the identity of the credit card, the credit card information is entered automatically (S5).

At this time, if more detail how to read the identity of the credit card through the card reader unit 200 in step S5 through the various embodiments as follows.

The first embodiment is a method of identification using a card reader (210).

2, the method of using the card reader 210 is the user's smart phone after inserting the connecting portion 211 of the card reader 210 to the earphone terminal, click the credit card payment button, and the card reader (210 ) when the come into contact with the magnetic portion passing or, IC chip portion of the credit card to the contact portion 212. the contact portion 212 reads the information of the credit card, the credit card through the connection unit 211 information is automatically entered. If the card has not read himyeon read credit cards After clicking on the button again to read the card reader credit card information is entered.

That is, a user connects a card reader 210, the connection terminal of the smart phone and the card reader 210 is read to the real credit card directly through to directly enter the card code by the credit card information to be input and the password input and certified without going through the process of certification is that you can easily enter your credit card information.

The second embodiment is an identification method using a proximity communication unit 220.

5 is a view showing a screen of the process until the user using a smart phone connected to the mall, including password input the payment has been completed.

3 and 5, a method using a proximity communication unit 220 is a click on the credit card payment button, when in proximity to the credit card to the user smart phones, credit card through the proximity communication with the neighboring communication unit (220) read the information, and outputs the input window to input a password (S5-1). When a user enters a password in the password input window is sent to the PG server, such as credit card information, it is subject to approval by the card company server.

That is, if the received inputs the password by combining the credit card identification information and the password input from the application installed on the smartphone is transmitted to the PG server, the PG server to an authorization request to the card company server matches the credit card identification information and the password, If payment is to be conducted.

On the other hand, a method to input the password may be equally applicable to embodiments using a card reader. But can be used to further applied as needed because when using the card reader 210 because the need to contact the card for direct contact can omit the use of a password to eliminate misuse of credit cards.

As described above, the user can input a credit card payment information by making it possible to obtain credit card information from the physical card through the system to connect the card reader to a connection terminal of the smart phone, or close-up a credit card to the proximity communication directly to the password entry, and you will not need to go through the process of certification by credit card so that you can easily make a payment.

Further, to make using the near field communication applications and are installed on the smartphone can proceed with the payment, while more convenient because it can omit the procedure for the payment card payment information and a password, public authentication when using a proximity communication unit.

Then, when the number of installment months after entering the window, click the Deal button to request for a signature is displayed (S6). When completed, signed, and then click the OK button the credit card identification information is to be transmitted to the shopping mall server, the shopping mall server transmits the billing information and credit card identification information to the PG server is requesting approval. PG server receives an authorization request is sent to the credit card company to card company server to server requests validation. The card company server to validate the credit card identification number and transmits the validation information to the PG server, PG servers use the shopping mall server and card credit card payment authorization information to authorize card payments in accordance with the received validation information and it transmits it to the server. The shopping mall server transmits the received card payment authorization information is displayed for transaction authorization window to complete your payment and sends the information to complete the order (S7), user terminals and ship (S8), goods.

On the other hand, if the user is shopping using a PC, look at the example of a case of using a payment system using a card reader unit connected to the user's smart phone as follows.

Figure 6 is a view of the page, the user selects a payment method after shopping using a PC, Fig. 7 is a diagram showing the payment page when the user selects a real credit card payment using the PC.

6 and 7, as the user is shown in Figure 7. When to select the payment method, after completion of shopping by using the PC, press the Make a payment to select the method of payment by using the real credit button as the payment page conversion amount and QR codes and text messages Send button is created.

At this time, when reading the QR code using the application will allow users to connect directly to the payment window, where you can make a payment with shopping on a PC. Also, when you click the button, text messages, URL links that can connect directly to the payment page, the phone number is entered in the user information is transmitted. The QR code and URL link contains all of your login information, and ordering information, payment information, the user can log back in to the mall or smartphone will also be able to connect directly to the payment page without looking to find ordering information.

After that is directly connected to billing, such as (S5) phase of Figure 4 described above, after which while the card reader through the by (S5) ~ (S8) the step of Figure 4 connected to the smart phone to be payment is in progress do.

Thus, the user is using a re-smartphone use to read to shoot a QR code there is no need to connect to the mall or, URL link to pay by call to the card that connect to your smartphone after you complete the shopping reader using the PC and the advantage is more convenient payment as possible because it can be directly connected. Also, because there is no physical card to use the card hacking concerns, which would have the advantage of faster, more accurate billing available because they use the same way that offline payments without the certificate.

On the other hand, though not shown, the payment window has a choice to select a payment method window can be displayed. The payment is in, and various payment methods such as direct deposit, credit card payments, mobile payments can be displayed, and can be displayed has been added to this payment method using a card reader unit.

The above-described exemplary embodiments are as an example, those skilled in the art that various modifications, additions and substitutions will be possible without departing from the essential characteristics of the present invention. Accordingly, the disclosed invention embodiments is for illustrative and not intended to limit the technical idea of ​​the present invention, not by such an embodiment is the technical scope of the present invention is not limited. The scope of protection of the invention is to be interpreted by the following claims, all spirits within a scope equivalent will be construed as included in the scope of the present invention.

Claims (15)

  1. Card reader unit that allows you to read the credit card user terminal enters the identification information of the credit card;
    Receiving provide shopping information to the user terminal generates a payment information receiving order information from the user terminal, and over parts of the card reader transmits the credit card identification information input to the user terminal the authorization request to the PG server through a wireless communication network, since the shopping mall server for receiving and transmitting payment authorization information to complete the order displayed on the user terminal from the server, PG;
    The credit card identification information and transmits the payment information received transmits it to the card company server cards validation request, generates a card payment approval information corresponding to the credit card identification information on the basis of the validation information is received from the card company server PG servers by sending to the shopping mall server and the card company server; And
    The PG received from the server transmits the credit card identification information and billing information pre-stored credit card identification card payment authorization information transmitted to validate information generated by validating the PG server, and from the PG server of the card company's database transfer accept online payment system that includes a card company server to update the payment to the card company databases.
  2. According to claim 1,
    It said card reader comprises:
    Connection that is connected to the user terminal; And
    Online payment system comprising a contact for reading identification information of the credit card is formed in the connecting portion through the contact with the actual credit card.
  3. According to claim 1,
    It said card reader comprises:
    Online payment system that includes a proximity communication unit for reading the identification information of the credit card through contact or proximity of a credit card.
  4. According to claim 1,
    Identification information of the credit card online payment system comprises a credit card password input via the user terminal.
  5. According to claim 1,
    The shopping mall server and the user display a selection window where you can select one of the various payment methods, including the payment via the payment method or enter an existing call through the card reader directly,
    If the card reader is selected by part payment, online payment system, characterized in that to display an identification code so that users from other devices can connect directly to the payment window on the screen.
  6. 6. The method of claim 5,
    In the user terminal online payment system which comprises payments to be directly connected to the window so that you can make a payment using the information reading unit to shoot the identification code, the card reader.
  7. 6. The method of claim 5,
    The identification code,
    QR code or an online payment system, characterized in that at least one kind selected from the barcode used.
  8. According to claim 1,
    The shopping mall server,
    Display a selection window in which the user can select a payment method with payment or enter directly through the existing wealth and the card reader,
    Once the payment has been selected through a card reader unit generates a message containing a URL that you can connect directly to the payment window, the online payment system, characterized in that the transmission to the user terminal.
  9. (A) receiving the shopping mall server sends the order information from the user terminal through a wireless communication network;
    (B) the shopping mall server, the generated billing information according to the order information, and the display by sending a payment window accordingly to the user terminal;
    (C) a transmission step receives a credit card identification information input by way of a card reader associated with the user terminal;
    (D) sending the credit card identification information to the server, PG;
    (E) requesting the validation by sending a credit card identification information which the server receives a PG card company server;
    (F) step of the card company server to verify the validity of the identified credit card number, sent to the validation information to the PG server;
    (G) steps to accept the payment card according to the validation information received by the server PG transmission, and transmits the card payment authorization information in the shopping mall server and a card company server; And
    (H) the shopping mall server online payment method includes the step of displaying the payment completion window to complete your payment receiving and the card payment authorization information and transmits the order completion information to the user terminal.
  10. 10. The method of claim 9,
    The online payment method is credit card identification information comprises a password input from the user terminal.
  11. 10. The method of claim 9,
    The step (b),
    Payment or online payment method according to claim 1, further displays the selection you can choose one of the payment window, including the payment through the existing direct input via the card reader unit.
  12. 10. The method of claim 9,
    The step (b),
    Online payment method according to claim 1, further displaying an identification code that allows you to directly connect the payment window.
  13. 10. The method of claim 9,
    The step of (b)
    Online payment method comprising transmitting to the user terminal so that the URL links that can be connected directly to the payment window in a text message.
  14. 10. The method of claim 9,
    The (c) step, using the connecting portion to be inserted into the connecting terminal of the user terminal, is formed in the card connector comprising a contact for reading identification information of the credit card reader unit, and
    (C-11) step of connecting the card reader portion connecting the connection terminal of the user terminal;
    (C-12) with a magnetic part or the IC chip portion of the credit card to pass or contact the contact step to read the identification information of the credit card; And
    (C-13) an online payment method comprising transmitting to the user terminal through the connection to the credit card identification information.
  15. 10. The method of claim 9,
    Using a proximity communication unit that is installed in the card reader unit the user terminal in step (c), and
    (C-21) contacting the credit card in the proximity communication;
    (C-22) step-up communication unit that reads the identification information of the credit card; And
    (C-23) an online payment method comprises the step of transmitting the identification information of the credit card to the user terminal.
PCT/KR2015/004025 2014-10-23 2015-04-22 Online payment system and payment method using same WO2016064053A1 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
KR20140144533 2014-10-23
KR10-2014-0144533 2014-10-23
KR10-2015-0056210 2015-04-21
KR1020150056210A KR20160047970A (en) 2014-10-23 2015-04-21 Online payment system and payment methods using the same

Publications (1)

Publication Number Publication Date
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Citations (5)

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Publication number Priority date Publication date Assignee Title
US20130173475A1 (en) * 2010-07-09 2013-07-04 Izettle Merchant Services Ab System for secure payment over a wireless communication network
KR20140008082A (en) * 2012-07-10 2014-01-21 주식회사 스와이프솔루션 Card payment method and system using a mobile terminal
US20140034728A1 (en) * 2009-10-13 2014-02-06 Square, Inc. Systems and methods for passive identification circuitry
KR20140059382A (en) * 2012-11-08 2014-05-16 한국전자통신연구원 Method and system of credit card payments using a mobile terminal
US20140258132A1 (en) * 2011-10-03 2014-09-11 Ezetap Mobile Solutions Private Limited System and method for secure electronic transaction

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140034728A1 (en) * 2009-10-13 2014-02-06 Square, Inc. Systems and methods for passive identification circuitry
US20130173475A1 (en) * 2010-07-09 2013-07-04 Izettle Merchant Services Ab System for secure payment over a wireless communication network
US20140258132A1 (en) * 2011-10-03 2014-09-11 Ezetap Mobile Solutions Private Limited System and method for secure electronic transaction
KR20140008082A (en) * 2012-07-10 2014-01-21 주식회사 스와이프솔루션 Card payment method and system using a mobile terminal
KR20140059382A (en) * 2012-11-08 2014-05-16 한국전자통신연구원 Method and system of credit card payments using a mobile terminal

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