WO2017126714A1

WO2017126714A1 - System and method for card company direct mobile easy payment using bank identification number

Info

Publication number: WO2017126714A1
Application number: PCT/KR2016/000547
Authority: WO
Inventors: 정진욱
Original assignee: 정진욱
Priority date: 2016-01-19
Filing date: 2016-01-19
Publication date: 2017-07-27

Abstract

The present invention relates to a system and a method for mobile payment using a mobile communication terminal and, more particularly, to a system and a method for direct mobile simple payments to a card company using a bank identification number which are capable of easily performing mobile payments by selecting only a BIN number of a financial card issued and using at least one of a BIN payment password set for authentication purposes for a payment service directly provided by a card company, a card password and a CVC without storing card information such as a card number, a valid period, a CVC, a card password and the like of a credit card in a server of a PG company or a merchant server of an online shopping mall and the like, and without a direct input of card information upon payment.

Description

Card company direct mobile easy payment system and method using bank identification number

The present invention relates to a mobile payment system and method using a mobile communication terminal, and more particularly, the card number, expiration date, card security code ("CSC"), card password, etc. of the credit card The bank of the issued card without storing the card information on the server of the payment gateway company (hereinafter referred to as "PG company") or a merchant server such as an online shopping mall, without directly inputting the card information at the time of payment. Select only the Bank Identification Number (BIN) (hereinafter referred to as "BIN" or "BIN" number) and set the Personal Identification Number (hereinafter referred to as "PIN" in the payment service provided directly by the card company for authentication purposes. It relates to a card company direct mobile simple payment system and method using a bank identification number that can be easily carried out using ").

In general, personal computer (PC) -based online e-commerce has become commonplace. Recently, with the spread of smart phones, mobile e-commerce using smart phones is rapidly being activated, resulting in mobile electronic financial settlement and account transfer. Technology is commercially available.

In an electronic financial settlement method using a credit card as a payment method, a smart card, a PG company, a token issuer, a certification authority, or a value added network company is used by bringing a physical card close to a smartphone or using a digitized card. (Hereinafter referred to as a "VAN company"), such as the existing electronic payment and identity verification or stored in the server of the payment service provider relaying the network service to facilitate the payment.

1 is a view showing the configuration of a conventional mobile payment system.

Referring to FIG. 1, the mobile payment system includes a merchant server unit 10, a PG company server 20, a VAN company server 30, and a card company system 40.

The merchant server unit 10 is a system for providing a service based on one or more of web and applications requiring payment, such as an internet shopping mall, and provides a payment user interface means for payment when a payment request is made.

PG company server 20 is a system for billing based on the web and application to generate a transaction text for any credit card payment, and provides the generated transaction text to the VAN company server 30, VAN company server ( 30) to perform the credit card payment through the card company system 40.

At this time, the PG company server 20 stores at least card information, such as card number, expiration date, and provides a payment authentication means or identity verification means mapped to the card information.

As described above, the conventional mobile payment system stores the card information in a PG company server, which is a third party other than the card company that issues the card, so that a security problem may occur once more. In terms of employee security management, card information is leaked to third parties, and in terms of system security management, risks such as hacking or smishing by hackers are higher than those of card companies. .

Due to this problem, a card company-driven mobile payment system such as AppCard has been developed and applied, but this also requires authentication through a third-party certification authority, and thus card information must be stored in a third-party certification authority. It has an environment in which the same problems as in the case of using a PG company can occur.

Such multi-step electronic payment and authentication procedures such as PG company, VAN company, third-party certification body, token issuer, etc. should eventually increase and strengthen the security target of server and communication section, Increase and distribution of profits are needed. As a result, there is a problem that can result in the weight of the risk and cost burden on the customer, in fact, there is a case that charges the authentication costs directly to the customer.

In short, important card information of the user who uses the card is kept by a third party in addition to the card company that is the issuing party, and thus there is room for malicious exploitation in the process of registering the card information. There is a problem.

Accordingly, an object of the present invention is to store card information such as card number, expiration date, CSC, and card password of a credit card without storing the card information such as PG's server and a merchant server such as an online shopping mall, and without directly inputting card information at the time of payment. Card company direct mobile simple payment system and method using a bank identification number that can be used to select the BIN number of the issued card only, and to use the PIN set by the purpose of authentication to the payment service provided directly by the card company. In providing.

Card company direct mobile simple payment system using a bank identification number according to the present invention for achieving the above object: a mobile communication terminal of a customer having a terminal identification information including a telephone number; It is determined whether the customer selects the BIN number payment service as the payment means through the mobile communication terminal, and when the BIN number payment service is selected, the name of the customer and the terminal identification information of the mobile communication terminal are acquired to obtain the name of the customer. And a merchant server unit transmitting a payment interworking processing request signal including terminal identification information. A communication path is formed through the voice line with the mobile communication terminal, and the personal identification information (PIN) input through the formed voice line is mapped and stored with the terminal identification information of the mobile communication terminal. Receives a PIN through a line and compares the received PIN with a pre-registered PIN to perform mobile terminal handset-based authentication and personal password (PIN) knowledge-based authentication, BIN number payment service registration and service identification And payment authentication call server for providing an authentication result value for the PIN; Upon receiving the payment interworking processing request signal, a customer card company is selected from a customer through the mobile communication terminal, the mobile communication terminal access information is transmitted to the selected card company, and then between the mobile communication terminal and the payment authentication call server unit. A BIN server for relaying a currency path and generating and transmitting a registration message when registering a BIN number payment service, and generating and transmitting a usage message when the authentication result is successful during a BIN number payment service; And a system corresponding to the selected card company, wherein when receiving the mobile communication terminal access information from the BIN server, the mobile terminal is connected to the mobile communication terminal to receive login information and logs in the customer, and then the card corresponding to the login information. Provides a list of BIN numbers for the owner's card, selects one BIN number, receives a PIN for the BIN number selected from the mobile communication terminal through the payment authentication call server unit, and maps the BIN number to the BIN number. Save the registration message including the PIN to complete the registration of the BIN number payment service, and receives the authentication result value for the selected BIN number from the payment authentication call server unit when the BIN number payment service request If it is successful, it compares the use text with the registered text and approves and confirms the match. A it characterized in that it comprises a credit card company system to complete.

Upon receiving the mobile communication terminal access information from the BIN server, access the mobile communication terminal to receive login information, log in the customer, and provide a list of BIN numbers for the card of the card owner, the customer corresponding to the login information. A card company management server for requesting card selection by means of selecting one BIN number and transmitting BIN card information including the BIN number; And storing the registration message included in the registration of the registration specialist to complete the registration of the BIN number payment service, and receiving a usage message including a selected BIN number and a PIN for the BIN number when the BIN number payment service is requested. Comparing the registered full text of the registered BIN number, if matched, generates a transaction text, and process the payment approval by the generated transaction text, and includes a payment company payment server that performs the payment completion processing upon completion of the payment approval processing It features.

The payment authentication call server unit stores the terminal identification information and the PIN when registering the BIN number payment service, and applies one or more of the terminal identification information and the PIN to register the registration key A which is the authentication result value at the time of registration. The terminal identification information is generated and transmitted to the BIN server, and the terminal identification information requesting the BIN number payment service at the BIN number payment service and the PIN inputted from the customer are stored, and the terminal identification information as the authentication result value at the BIN number payment service. And generate and transmit a use key B reflecting the same key generation algorithm element applied to the registration key generation among the PINs, wherein the BIN server includes the registration key A in the registration message and uses the use key ( B) is included in the preamble and transmitted, and the key generation algorithm symmetry of the use key (B) and registration key (A) is identical when the BIN number is settled. The authentication is performed by checking whether the coincidence is matched, and when the authentication is successful, the BIN number payment service is performed.

The card company management server provides the user authentication means to the mobile communication terminal after the login, and transmits the personal authentication information received from the mobile communication terminal to the corresponding personal authentication authority to perform further personal authentication, and when the personal authentication is successful, the identity verification authentication result. The value is included in the BIN card information and transmitted to the card company payment server and the BIN server, wherein the BIN server is characterized by including the identity authentication result in the registration message and the usage message.

The card company management server receives BIN card information from the mobile communication terminal further including at least one of a card password and a CVC in response to the card selection request upon successful authentication of the BIN number included in the BIN card information. Detects the card number, expiration date for, and compares the card information including one of the detected card number, expiration date and card password, and CVC with previously stored card information to verify identity card occupancy authentication according to the match. It is characterized by performing.

Wherein the BIN server, whether to form a call path by the mobile communication terminal standard call to the mobile communication terminal to form a call path between the mobile communication terminal and the payment authentication call server unit, mobile communication terminal based payment authentication call server unit Request to select whether to establish a call path by receiving a call from the mobile station, and when a call request is received from the mobile communication terminal, transmits outgoing request information including the terminal identification information of the mobile communication terminal to the payment authentication call server unit and moves. When the communication terminal selects a call origination, the communication terminal performs a call to the payment authentication call server unit of the phone number for the selected card company, and forms a call path. When the call reception is selected, the call forwarding request is transmitted to the BIN server. When a call request is generated by the customer when a call is received from the payment verification call server unit, the payment verification call It characterized in that it forms a beobu and money.

Card company direct mobile easy payment method using a bank identification number according to the present invention for achieving the above object: Merchant server unit determines whether the customer selects the BIN number payment service as a payment method through the mobile communication terminal, BIN number A payment interworking request process of obtaining a name and terminal identification information of the customer and transmitting a payment interworking processing request signal including the name and the terminal identification information of the customer when the payment service is selected; A subscriber determination step of determining whether a customer of the mobile communication terminal and the name is a BIN number payment service subscriber by referring to BIN number payment service subscriber information previously stored in a BIN server; If the customer is not a BIN number payment service subscriber, the BIN server receives a PIN from the mobile communication terminal through a voice line, which is formed through a payment authentication call server, registers with the payment authentication call server and registers with the card company selected by the customer. Registering the at least one BIN number for the card issued by the card company by the customer by connecting the corresponding card company system and the mobile communication terminal to include at least the BIN number and terminal identification information of the mobile communication terminal. A BIN number payment service registration process of generating a full text and storing it in the card company system; And when the customer is a BIN number payment service subscriber, the BIN server receives the card company and the BIN number from the mobile communication terminal, forms a communication path between the mobile communication terminal and the payment authentication call server, and establishes a mobile communication by the payment authentication call server. Receives the authentication result value according to whether the PIN entered from the customer and the pre-registered PIN is matched through the terminal to generate a use message and transmit it to the card company system, which is registered in advance with the use message by the card company system And a BIN number payment service process for completing payment approval and payment processing when the registration specialist matches.

In the BIN number payment service registration process, when the BIN server receives the payment linkage processing request signal, the card company is selected from the customer through the mobile communication terminal, and the connection information is transmitted to the card company system of the selected card company. A connection step of connecting the mobile communication terminal; After the mobile communication terminal connects with the card company system and sends the login information to the card company system to log in and receives and displays a list of BIN numbers for the card of the card owner, which is the customer corresponding to the login information, the mobile communication terminal receives one from the customer. A BIN selection step of receiving a BIN number of a and transferring the card company system; A call path formation request step of the card company system requesting a call formation to a BIN server; A step of forming a call path for the BIN server to relay a call path between a mobile communication terminal and a payment authentication call server unit; The payment authentication call server unit formed with a call path requests the PIN to be input from the mobile communication terminal through the formed call path, receives the PIN, maps and stores the terminal identification information of the mobile communication terminal, and then stores the terminal. A PIN setting step of transmitting a registration authentication result value generated by reflecting the identification information and the BIN number; Receiving the authentication result value by the BIN server, generating a registration message including the authentication result value, BIN number, and terminal identification information and providing the registration message to a card company system; And registering, by the card company system, by receiving and storing the registration message and registering the customer as a BIN number payment service subscriber.

The BIN number settlement service process includes: a BIN number obtaining step of receiving a card company and a BIN number from a mobile communication terminal by a BIN server if the customer is a BIN number payment service subscriber; A step of forming a call path for the BIN server to relay a call path between a mobile communication terminal and a payment authentication call server unit; The payment authentication call server unit formed with the mobile communication terminal and the call path determines whether the PIN inputted from the mobile communication terminal and the pre-registered PIN are matched through the formed call path, and when the match is established, terminal identification information of the mobile communication terminal and An authentication result providing step of generating a use authentication result value generated by reflecting a BIN number and transmitting the generated authentication result to the BIN server; An authentication result authentication step in which the BIN server compares the use authentication result value with the registration authentication result value and performs authentication according to whether or not it matches; A use message providing step of generating the use message and transmitting it to a card company system if the authentication result value is successful; And a payment completion step of allowing the card company system to receive the use message and complete a payment approval and payment processing upon matching of a pre-registered registration message.

The BIN selection step may include: a login step of the mobile communication terminal connecting with the card company system and logging in by transmitting login information to the card company system; When the mobile communication terminal logs in, the card company system provides the user authentication means to the mobile communication terminal to transmit the personal authentication information received from the mobile communication terminal to the corresponding personal authentication authority to perform the personal authentication further, and transmit the result of the mobile communication. Identity authentication step provided to the terminal; And a BIN number for receiving and displaying a list of BIN numbers for the card of the cardholder, the customer corresponding to the login information, from the card company system upon successful authentication, and receiving one BIN number from the customer and transmitting the selected BIN number to the card company system. It characterized in that it comprises a providing step.

In the BIN selection step, the card company system receives the BIN card information from the mobile communication terminal further including at least one of a password and a CVC of the card for the selected BIN number in response to the card selection request in the BIN number providing step. Detects the entire card number and the expiration date for the BIN number included in the BIN card information, and compares the card information including one of the card password and the CVC with the card information stored in advance and the identity card occupancy authentication according to the match. It characterized in that it further comprises occupancy authentication step to perform.

In the step of forming a call path, whether the BIN server forms a call path by calling a mobile communication terminal standard call to a mobile communication terminal to form a call path between the mobile communication terminal and the payment authentication call server unit. A call connection method selection request step of receiving a call from the reference payment authentication call server unit and selecting whether to establish a call path; If the mobile communication terminal selects a call origination, the mobile communication terminal makes a call to the payment authentication call server unit of the phone number for the selected card company, which is stored in advance. Selecting a connection method by a transmission call; A server unit call request step of transmitting, by the BIN server, call request information including terminal identification information of the mobile communication terminal to a payment authentication call server unit when a call reception request is generated from the mobile communication terminal; And a server part currency path forming step of transmitting the payment authentication call server part to the mobile communication terminal and forming a communication path with the mobile communication terminal when accepting a call from the mobile communication terminal.

The present invention does not store the user's card information in any one of the third party, such as PG company, VAN company, third party certification authority, token issuer, etc., other than the card company, the card company directly receives the approval request from the merchant server Since payment can be completed, by not using the external system storage of card information at the source, it has the effect of increasing the security.

In addition, the present invention separates and stores only the BIN number of the conventional card searched on the Internet and the terminal identification information including the name and mobile phone number corresponding to personal information, not important financial information, to prevent unauthorized unauthorized payment accidents caused by others It has an effect that can be prevented.

In addition, the present invention does not store the card information such as card number and expiration date not only to the card company but also to the third party including the payment agency, or register only the first time at the time of registration, only by entering the PIN to make payment It does not expose card information such as card number and expiration date even when entering payment information, and does not need to enter card number, card password and expiration date one by one, real financial card, USIM type app card, OTP Since it is not necessary to carry an authentication terminal and a card such as, it has the effect of providing convenience to customers while improving security.

In addition, the present invention is to set the PIN used as a personal encryption key in the BIN number payment service through a voice line with the payment authentication call server, which is the automatic answering system (ARS) of the carrier, to store and store in the payment authentication call server, and must pay Each time, the PIN number input from the mobile communication terminal is transmitted to the payment authentication call server through the voice line formed with the customer's mobile communication terminal and the payment authentication call server which is an automatic voice response system. It has the effect of improving the security by PIN transmission through.

1 is a view showing the configuration of a general payment system.

2 is a view showing the configuration of a card company direct mobile simple payment system using a bank identification number according to the present invention.

Figure 3 is a procedure showing a card company direct mobile simple payment method using a bank identification number in accordance with the present invention.

Figure 4 is a first procedure showing a bank identification number payment service registration method of the card company direct mobile simple payment method using the bank identification number according to the present invention.

Figure 5 is a second procedure in a row in the first procedure showing the bank identification number payment service registration method of the card company direct mobile simple payment method using the bank identification number according to the present invention.

6 is a procedure showing a bank identification number payment service method of the card company direct mobile simple payment method using the bank identification number according to the present invention.

7 is a diagram illustrating a payment means selection and card company selection user interface means according to an embodiment of the present invention.

8 is a view illustrating a card company direct mobile simple payment service registration method using a bank identification number through a user interface means in a mobile communication terminal of a mobile simple payment system according to an embodiment of the present invention.

9 is a diagram illustrating a card company direct mobile simple payment service method using a bank identification number through a user interface means in a mobile communication terminal of a mobile simple payment system according to an embodiment of the present invention.

Hereinafter, a configuration and operation of a card company direct mobile simple payment system using a bank identification number according to the present invention will be described with reference to the accompanying drawings, and a mobile simple payment method in the system will be described.

2, the card company direct mobile simple payment system using a bank identification number according to the present invention is a mobile communication terminal 100, merchant server unit 200, BIN server 300, card company system 500 and payment authentication call Including the server unit 600, the terminal further comprises a server query server 700 according to the embodiment.

The mobile communication terminal 100, the merchant server unit 200, the BIN server 300, the card company system 500, the payment authentication call server unit 600 and the stolen terminal inquiry server 700 is wired and wireless data communication network 800 It communicates with other systems connected by wire and wirelessly.

The wired / wireless data communication network 800 is a data communication network in which an internet network and a mobile communication network are combined. The Internet network will be a combination of the WiFi network, a wireless Internet network. The mobile communication network includes at least one of a third generation (3G) network and a fourth generation (4 generation: 4G = Long Term Evolution (LTE)) network, and is a communication network capable of transmitting and receiving data by connecting to the Internet network. . In addition, the Internet network includes a private network and a virtual private network (VPN), and the BIN server 300 and the card company management server 510 of the card company system 500 are connected through one of a mutual private network and a VPN. It would be desirable to be.

In addition, the payment authentication call server unit 600 is connected to the Public Switching Telephony Network (PSTN) 900, and connected to the mobile communication terminal 100 through the PSTN (900) and wired and wireless data communication network (800). To form a call path that is a voice line, transmit and receive voice through the call path, and receive a PIN from the mobile communication terminal 100.

The mobile communication terminal 100 stores terminal identification information such as a phone number and an International Mobile Equipment Identity (IMEI), an Electronic Serial Number (ESN), and the like. Access to the merchant server unit 200 through the web and application-based various services are provided, displays the payment user interface means for performing payment for any service, the information input through the payment user interface means To the corresponding system requesting the information through the wired or wireless data communication network (800). Here, the system refers to the merchant server unit 200, the card company management server 510 of the card company system 500, the card company payment server 510, the BIN server 300, the payment authentication call server unit 600, the stolen terminal inquiry server. Section 700 and so on. The payment user interface means includes a payment method selection user interface means, a card company selection user interface means, a service usage agreement information display and consent request user interface means, a card selection user interface means, a BIN payment information input user interface means, and a payment authentication call origination. Means and the like may be applied. The user interface means may be installed in the form of an application in the mobile communication terminal 100, or may be provided from the connected system.

In addition, the mobile communication terminal 100 transmits the PIN input from the user through the call path in the call mode to the payment authentication call server unit 600 when a call is established with the payment authentication call server unit 600 according to the present invention. .

The merchant server unit 200 provides information on various selling products such as goods, knowledge, services, services, etc. requiring payment such as a web shopping mall based on web or application, and performs payment processing for the purchase of the provided products. It is a system. In the following description, the server unit refers to a system that may be configured of one or more servers. For example, the shopping mall merchant server 200 may include a database server that stores images, prices, and product information about products, a login server that performs login processing of subscribers, and a web that provides the product information in a website format. It may include at least one of a server, an application server for providing the product information through an application, and a payment server performing payment processing.

The merchant server unit 200 stores and manages the member information including the terminal identification information of the mobile communication terminal 100 of the customer, including the name, phone number, etc. of the customer registered as a member, and pays when a payment request occurs. The means selection user interface means is provided to the mobile communication terminal 100 to request the selection of the payment means, and it is checked whether the BIN number payment service is selected as the payment means. When the BIN number payment service is selected, the merchant server unit 200 transmits a payment interworking processing request signal including the name of the customer and terminal identification information of the mobile communication terminal 100 to which the customer is connected, to the BIN server 300. Preferably, the terminal identification information is a telephone number. Of course, the payment interworking request signal will also include payment information including sale product information, purchase price information, and the like. However, the payment information is not related to the actual configuration of the present invention and will not be described.

When the BIN server 300 receives a payment interworking processing request signal including the customer name and the terminal identification information for the corresponding customer through the arbitrary mobile communication terminal 100 from the merchant server unit 200, the BIN number payment service is registered and Relay BIN number payment service processing procedure.

The BIN server 300 may store BIN payment service registration information including a name of a BIN payment service subscriber and terminal identification information of the mobile communication terminal 100 of the subscriber.

The card company system 500 is a system configured in the card company, and includes a card company management server 510 and a card company payment server 520.

Card company management server 510 issuing card issuer information, card security code such as card number, expiration date, card validation code (Card Validation Code (CVC) and card verification value (CVV), etc. Card Security Code (CSC) and other payment information including the card password of the credit card, and the card password, card number, expiration date, CSC, etc. received by the payment processing request when a payment processing request occurs. Compare the transaction text including the transaction text and the transaction text including the card password, card number, expiration date, CSC, etc. of the card issuer registered in advance to perform the authentication, the payment processing request entered upon successful authentication Perform the actual payment approval process for. The card security code is used as a card password in some countries. Therefore, in the present invention, the card password may be any one of a password and a card security code (CSC) set by a user as in Korea.

The card company management server 510 according to the present invention receives the login information by accessing the mobile communication terminal 100 when receiving the mobile communication terminal access information from the BIN server 300 and receives the customer card company system 500. Log in to.

The card company management server 510 logs a customer of the mobile communication terminal 100 and provides a list of BIN numbers for the card of the card owner, which is the customer corresponding to the login information, to the mobile communication terminal 100 to provide a card. By requesting a selection, one BIN number is selected, and the card information including the card number for identifying only the BIN number, not the entire card number is transmitted to the card company payment server 520.

The card payment server 520 stores the registration message included in the reception of the registration message from the BIN server 300 to complete the registration of the BIN number payment service, and the BIN number and the BIN number selected when the BIN number payment service is requested. Receive a usage message including a PIN for the BIN server 300, and compares the registration text for the pre-registered BIN number to match the transaction message is generated.

The card company payment server 520 processes the payment approval when generating the transaction text, and notifies the mobile communication terminal 100, the merchant server unit 200, and the BIN server 300 of the completion of the payment approval.

Specifically, the card company management server 510 is the name of the subscriber to subscribe to the BIN number payment service according to the present invention by the relay of the BIN server 300, the terminal identification information of the subscriber's mobile communication terminal 100, PIN Stores and manages the BIN number payment service subscriber information (registration) including a. The BIN number means a 16 digit card number or a 14 digit card number of the credit card and the first 6 digits of the 15 digit card number. In the present invention, the BIN number may be further included in the first six digit number of the 16 digit number of the card number 14-14th (end 1-3 digits) of the card number. The 15th to 16th digits are used to identify the case where the same BIN number is assigned to one subscriber.

The payment authentication call server unit 600 is connected to the wired / wireless data communication network 800 or the general public telephone network (PSTN) 900 to receive a call from the mobile communication terminal 100 when the call is received from the mobile communication terminal 100 and the voice line. When a call is formed or a call request from the BIN server 300 to the mobile communication terminal 100 is generated, a call is made to the mobile communication terminal 100 to form a call path, and the mobile communication terminal 100 is formed through the formed call path. Request to enter a PIN, and when the PIN is input from the mobile communication terminal 100 through the call path stores the terminal identification information and PIN of the mobile communication terminal 100 that can be detected through the call path.

The payment authentication call server unit 600 generates a registration key (or "A", "registration authentication result value") reflecting the terminal identification information and PIN obtained when registering the BIN number payment service, and then executes the BIN server 300. And a use key (or "B", "use authentication result value") reflecting the terminal identification information and PIN obtained during the BIN number payment service is transmitted to the BIN server 300.

The stolen terminal inquiry server 700 stores terminal identification information such as phone numbers, IMEI and ESN of the mobile communication terminals 100 which have been reported stolen, and is included in the reception of the stolen terminal inquiry request signal including the terminal identification information. The mobile communication terminal 100 of the received terminal identification information is searched for registration as the stolen terminal, and the result is notified. The stolen terminal inquiry request signal may be transmitted by one of the BIN server 300 and the card company system 500.

3 is a procedure showing a card company direct mobile simple payment method using a bank identification number according to the present invention, Figure 7 is a view showing a payment means selection and card company selection user interface means according to an embodiment of the present invention. Hereinafter, a card company direct mobile simple payment method using a bank identification number according to the present invention will be described in detail with reference to FIGS. 3 and 7.

First, any customer will log in to the merchant server 200 through his mobile terminal 100 (S111), and then use the service provided by the merchant server 200 (S113).

When a payment request for a customer to purchase a product provided by the merchant server unit 200 occurs while using the service, the mobile communication terminal 100 transmits a payment request signal to the merchant server unit 200 (S115).

Upon receiving the payment request signal, the merchant server unit 200 transmits a payment method selection request signal to the mobile communication terminal 100 and transmits the payment method selection user interface means as shown in FIG. 7A to the mobile communication terminal 100. In operation S117, the user selects a payment method through the payment means selection user interface means.

The mobile communication terminal 100 displays the payment method selection user interface means and requests the customer to select a payment method. The payment means will also include a BIN number payment service according to the present invention.

When the customer selects the payment method through the payment method selection user interface means, the mobile communication terminal 100 transmits the payment method selection information to the merchant server 200 (S119).

When the merchant server unit 200 receives payment method selection information from the mobile communication terminal 100, the merchant server unit 200 checks whether the customer has selected the BIN number payment service by using the payment method selection information (S121).

If a payment method other than the BIN number payment service is selected, the merchant server unit 200 will perform the processing according to the general payment means (S123).

On the other hand, when the BIN number payment service is selected, the merchant server unit 200 sends a payment interworking processing request signal including the name of the logged in customer and the terminal identification information of the mobile communication terminal 100 of the customer to the BIN server 300. Transmit (S125). The terminal identification information may be obtained from member information of the customer, or may be obtained from a signal transmitted and received with the mobile communication terminal 100 currently connected.

The BIN server 300 receiving the payment interworking processing request signal is connected to the mobile communication terminal 100 (S127), and then connected to the mobile communication terminal 100. The name and terminal identification information of the mobile communication terminal 100 are detected (S129).

When the name of the customer and the terminal identification information of the mobile communication terminal 100 are detected by the connection with the mobile communication terminal 100, the name and the terminal identification information included in the payment interworking request signal, the detected name and the terminal The identification information is compared and the mobile communication terminal is verified (S131). In this case, if the terminal verification fails, the verification failure will be transmitted to the merchant server unit 200 and the mobile communication terminal 100 and then terminated (not shown).

After the terminal verification, the BIN server 300 transmits a card company selection request signal to display the card company selection user interface means as shown in FIG. 7B on the mobile communication terminal 100 to select a card company (S133).

The mobile communication terminal 100 transmits the card company information for the selected card company to the BIN server 300 when the customer selects the card company through the displayed card company selection user interface means (S135).

When the card company information is received, the BIN server 300 determines whether the subscriber is a BIN number payment service subscriber by comparing the detected name and terminal identification information with registration texts for the registered BIN number payment service subscribers (S137). The registration message may include a BIN number and terminal identification information (telephone number), and may further include a personal authentication result value and a registration key (A).

If the customer is not a BIN number payment service subscriber, the BIN server 300 performs a BIN number payment service registration routine (S139), and if the customer is a BIN number payment service subscriber, performs a BIN number payment service routine (S141).

The BIN number settlement service registration routine (process) will be described in detail with reference to FIGS. 4, 5 and 8 to be described later, and the BIN number settlement service routine (process) will be described with reference to FIGS. 6 and 9 to be described later.

Figure 4 is a first procedure showing a bank identification number payment service registration method of the card company direct mobile payment method using a bank identification number according to the present invention, Figure 5 is a card company direct mobile using a bank identification number according to the present invention In the first procedure showing the bank identification number payment service registration method of the payment method is a continuous second process diagram, Figure 8 is a user interface means in a mobile communication terminal of a mobile simple payment system according to an embodiment of the present invention A diagram showing a card company direct mobile simple payment service registration method using a bank identification number through. A description with reference to FIGS. 4, 5 and 8 is as follows.

If the customer who requested the payment by selecting the BIN number payment service as a payment method is not a subscriber of the BIN number payment service, the BIN server 300 transmits the access information of the mobile communication terminal 100 to the card company management server 510 of the card company system 500. It provides a request to connect with the mobile communication terminal 100 (S215).

When the mobile communication terminal access information is received, the card company management server 510 requests the mobile communication terminal 100 to log in by transmitting a login request signal for membership of a card company or subscription of a BIN number payment service (S217). When the login request signal is received from the card company management server 510, the mobile communication terminal 100 displays a login user interface means as shown in FIG. 8A, and inputs an ID and a password into the login user interface means. Will ask.

When the user requests login after inputting login information including a login ID and a password, the mobile communication terminal 100 transmits the login information to the card company management server 510 (S219).

The card company management server 510 which has received the login information performs a login process for logging in the customer of the login information to the card company system 500 (S221).

The card company management server 510 checks whether the login is successful after the login processing to the card company system 500 (S223).

As a result of the check, if the login fails, the card company management server 510 requests the login again (S217), and if the login is successful, the service use agreement request signal is transmitted to the mobile communication terminal 100 as shown in FIG. The service use agreement request user interface means is displayed on the mobile communication terminal 100. That is, the mobile communication terminal 100 displays a service use agreement request user interface means when a service use agreement request signal is received from the card company management server 510, and the user agrees to the terms of the agreement and the customer name and phone number (terminal identification). Include in the information) request confirmation (S225).

When the customer requests a user agreement through the service use agreement request user interface means, the mobile communication terminal 100 transmits the service use agreement information to the card company management server 510 (S227). As shown in (b) of FIG. 8, after checking the service agreement check field and clicking the agreement button (the PIN password setting start button of FIG. 8), the user's name and phone number are displayed to confirm user information, and the OK button It will be desirable to send the service usage agreement information to the card company management server 510 when clicked.

The card company management server 510 displays the user authentication means on the mobile communication terminal 100 when the service use agreement information is received from the mobile communication terminal 100, and then the customer of the user authentication means displayed on the mobile communication terminal 100. When the user's authentication request button is clicked, the user's normal authentication may be performed using the phone number of the mobile communication terminal 100 provided by the carrier or the card company (S229).

After performing the identity verification, the card company management server 510 checks the success of the identity verification (S231), and if it is determined that the identity verification is successful in the identity verification success check card number for the card already issued to the customer Acquire and obtain a card selection request signal having a card list including at least one card number to the mobile communication terminal (100) (S233). Then, the mobile communication terminal 100 displays at least one card number (BIN number) through a card selection user interface means as shown in FIG. FIG. 8C illustrates a case where the user authentication user interface means and the card selection user interface means consist of one user interface means. In this case, as shown in c) of FIG. 8, only the BIN number is displayed or when the same BIN number exists, only the 14th to 16th numbers are additionally displayed for card identification.

When the card is selected through the card selection user interface means, the mobile communication terminal 100 transmits BIN card information including the card number of the selected card to the card company management server 510 (S235). The card may be configured to receive at least one of the card password and the CVC of the selected card number when the card is selected. The input card password and CVC will be included in the BIN card information and transmitted to the card company management server 510 together with the card information. When the selected card information, that is, the card number is received, the card company management server 510 stores the BIN number or the BIN number and the 15th to 16th numbers of the corresponding card number.

The card company management server 510 transmits the BIN card information including the card information including the identity value and the BIN number to the card company payment server 520 and the BIN server 300 when the identity verification is performed ( S239 and S241, the card company payment server 520 and the BIN server 300 which have received the identity verification result value store the identity verification result value and the card information (S243 and S245).

In addition, when the card company management server 510 receives the BIN card information including one or more of the card password and CVC, the card company management server 510 receives the BIN from the issuer-specific credit card information previously stored for identity card occupancy authentication. Detects card information such as the entire card number (identifiable all card number) and the expiration date corresponding to the card information (S236), and performs the identity card occupancy authentication by input card password or CVC, card number, expiration date, etc. (S237) If the possession authentication is successful, it may be configured to transmit the cardholder member identity verification result (S239). If the identity verification and identity card occupancy authentication is not performed, the card company management server 510 will transmit a call formation request signal to the BIN server instead of the identity verification result (S239).

The BIN server 300 which has received the identity verification result or the call formation request signal through a call performs a PIN input routine (process) through the payment authentication call server unit 600, which is an automatic carrier answering system (ARS) (S249). ~ S279).

When the PIN input routine is described in detail, the BIN server 300 transmits a call connection method selection request signal to the mobile communication terminal 100 (249). As the call connection method, the mobile communication terminal 100 attempts to make a call to the payment authentication call server unit 600 and forms a call path, and the mobile communication terminal 100 receives the payment authentication call server unit 600 from the payment authentication call server unit 600. An incoming method of receiving an outgoing call and forming a call path may be applied.

In addition, the BIN server 300 provides the terminal identification information including the telephone number of the mobile communication terminal 100 to the payment authentication call server unit 600 for the telephone number authentication to be described later (S250).

The mobile communication terminal 100 receiving the call connection method selection request signal displays a call connection method selection user interface means and checks whether a call origination method is selected (S251).

When the incoming call is selected, the mobile communication terminal 100 transmits a call incoming selection notification signal to the BIN server 300 (S253), and the received BIN server 300 receives the telephone number of the mobile communication terminal 100. The outgoing request information is transmitted to the payment authentication call server 600 (S255).

The payment authentication call server unit 600 receiving the call request information transmits a call to a phone number included in the call request information (S257).

The mobile communication terminal 100 checks whether a call is received after selecting the incoming call (S259), and checks whether a call connection request is generated by inputting a call button when the incoming call is made (S261), and when a call connection request occurs, the payment authentication call server A currency path is formed with the part 600 (S263).

On the other hand, if the call origination is selected, the mobile communication terminal 100 sets the phone call mode (S265), and then dials the phone number of the payment authentication call server unit 600 that is known in advance (S267). When the payment authentication call server unit 600, which has received the outgoing call of the mobile communication terminal 100, responds, forms a call path that is a voice line (S269).

After the call is formed, the payment authentication call server unit 600 determines whether the call is connected by the incoming call (S271), and when the call is connected by the incoming call, the phone number of the incoming call is received in advance (S250). In comparison with the stored phone numbers, it may be determined whether or not they match, and the mobile communication terminal may be occupied by the authentication of the phone number (S273).

When the call path is formed, the payment authentication call server unit 600 transmits a PIN setting request signal for the stored BIN number to the mobile communication terminal 100 (S275).

Then, the mobile communication terminal 100 requests to enter a PIN to be set through the phone number button in the call mode as shown in (d) of FIG. 8, and in response to the input of the PIN, the input PIN is 1 digit (Digit). The payment authentication call server unit 600 is transmitted in units of S277.

The payment authentication call server unit 600 maps the phone number and the PIN when all the PINs are input from the mobile communication terminal 100 and stores it (S279).

After the PIN input routine, the payment authentication call server unit 600 notifies the end of the call to the mobile communication terminal 100 (S281) and ends the call (S283).

When the call is over, the payment authentication call server unit 600 transmits a PIN setting end notification signal to the BIN server 300 (S287).

Upon receiving the PIN setting end notification signal, the BIN server 300 generates and stores a registration message including a BIN number and terminal identification information (S289), and then transmits a card registration completion notification signal to the mobile communication terminal 100. In operation S291, the card company management server 510 and the card company payment server 520 transmit the registration message (S293).

Then, the mobile terminal 100 displays the completion of the BIN payment service registration and ends (S295), and the card company payment server 520 stores the registration text to complete the registration of the BIN payment service (S297).

At the end of the call, the payment authentication call server unit 600 selectively generates the registration key A, which is a result of registration authentication by reflecting the terminal identification information and PIN (S285), and then includes the registration key A. The PIN setting end notification signal may be configured to be transmitted to the BIN server 300 (S287). The generation method of the registration key (A) may be applied to the OTP generation method reflecting the transaction information. However, the registration key (A) of the present invention will be a semi-permanent key, not disposable.

Then, the BIN server 300 will further generate the registration key A when generating the registration message. In addition, when performing the identity authentication BIN server 300 may further include the identity authentication result in the registration message.

6 is a procedure showing a bank identification number payment service method of the card company direct mobile simple payment method using a bank identification number according to the present invention, Figure 9 is a user interface means in a mobile communication terminal of the mobile simple payment system of the present invention A diagram showing a card company direct mobile simple payment service method using a bank identification number through. Hereinafter, a description will be given with reference to FIGS. 6 and 9.

In S317 of FIG. 3, when the customer is determined to be a BIN number payment service subscriber or subscribes to the BIN number payment service according to FIGS. 4 to 5, the BIN server 300 may settle the BIN number of the card company selected in FIG. 3. The service target card number selection request signal is transmitted to the mobile communication terminal 100 (S311).

Then, the mobile communication terminal 100 displays a BIN number as shown in FIG. 9A and requests to select a card number, that is, a card (S313). If a BIN number settlement service for two or more cards is set for one card company, one card is displayed by displaying a card number selection user interface means corresponding to (C) of FIG. 8 which displays a plurality of card numbers. It may be possible to select a number (not shown).

When the card number is displayed, the mobile communication terminal 100 checks whether the card number is selected (S315), and when the card number is selected, acquires terminal identification information of the mobile communication terminal 100, and then BINs with the card number. The server 300 transmits the data to the server 300 (S317).

When the terminal identification information is received from the mobile communication terminal 100, the BIN server 300 relays a call path between the payment authentication call server unit 300 and the mobile communication terminal 100 to perform the PIN input routine described with reference to FIG. 5. In operation S319, a PIN is obtained. Since the PIN input routine has been described in detail with reference to S249 to S279 of FIG. 5, the description thereof will be omitted.

When the PIN and the terminal identification information are obtained, the payment authentication call server unit 600 compares the obtained terminal identification information and the PIN with a PIN registered in advance with respect to the terminal identification information and determines whether they match (S321).

As a result of the determination, if there is a mismatch, the payment authentication call server 600 transmits the authentication failure message to the mobile communication terminal and the BIN server 300 and terminates (not shown).

On the other hand, if a plurality of authentications by mobile communication terminal occupancy authentication and personal password (the PIN) knowledge authentication is successful, the payment authentication call server unit 600 provides a PIN normal confirmation notification message to the mobile communication terminal 100 through a call path. After the call (S323), the call is terminated (S325).

After the call ends, the payment authentication call server unit 600 transmits a PIN authentication completion notification signal to the BIN server 300 (S329).

After receiving the PIN authentication completion notification signal, the BIN server 300 generates a usage message including a BIN number and terminal identification information (S335), and then sets the payment request information including the usage message to the card company payment server 520. In step S337.

At the end of the call, the payment authentication call server unit 600 generates a use key B to which the obtained terminal identification information and PIN are applied (S327), and then includes the PIN authentication completion notification signal in the BIN server 300. It may be configured to transmit to (S329).

The BIN server 300 receiving the use key B compares the received use key B with the registration key A previously registered with respect to the terminal identification information, and performs key authentication according to whether or not the match is made. It is determined whether the success (S331).

Upon reception of the PIN authentication completion notification signal or upon successful key authentication, the BIN server 300 will generate the usage message including the registration key.

In addition, the BIN server 300 may detect the stored personal authentication result value (received from the card company management server 510 in S239) during registration (S333), and may be further included in the usage message.

When the credit card company payment server 520 is received from the BIN server 300, the registration message is compared with the pre-stored registration message for the terminal identification information (S339) and performs authentication according to the match (S341).

If the authentication is successful, the card company payment server 520 detects the entire card number corresponding to the BIN number, generates a transaction message including the card information including the detected entire card number (S343), and performs the payment approval process according to the transaction text. It performs (S345).

Then, the card company payment server 520 transmits the approval completion notification signal to the BIN server 300 and the mobile communication terminal 100 (S347 and S351). The approval completion notification signal transmitted to the mobile communication terminal 100 may be provided through the merchant server 200.

Upon receiving the approval completion notification signal, the BIN server 300 stores the payment processing log (S349).

The mobile communication terminal 100 receiving the approval completion notification signal ends after displaying and terminating the payment success (S353).

Of course, the card company payment server 520 or BIN server 300 will transmit the approval completion notification signal to the merchant server 200.

On the other hand, the present invention is not limited to the above-described typical preferred embodiment, but can be carried out in various ways without departing from the gist of the present invention, various modifications, alterations, substitutions or additions in the art Anyone who has this can easily understand it. If the implementation by such improvement, change, replacement or addition falls within the scope of the appended claims, the technical idea should also be regarded as belonging to the present invention.

[Description of the code]

100: mobile communication terminal 200: merchant server unit

300: BIN server 500: card company system

510: card company management server 520: card company payment server

600: payment authentication call server 700: theft terminal inquiry server

Claims

A mobile communication terminal of a customer having terminal identification information including a telephone number;

It is determined whether the customer selects the BIN number payment service as the payment means through the mobile communication terminal, and when the BIN number payment service is selected, the name of the customer and the terminal identification information of the mobile communication terminal are acquired to obtain the name of the customer. And a merchant server unit transmitting a payment interworking processing request signal including terminal identification information.

A communication path is formed through the voice line with the mobile communication terminal, and the personal identification information (PIN) input through the formed voice line is mapped and stored with the terminal identification information of the mobile communication terminal. Receives a PIN through a line and compares the received PIN with a pre-registered PIN to perform mobile terminal handset-based authentication and personal password (PIN) knowledge-based authentication, BIN number payment service registration and service identification And payment authentication call server for providing an authentication result value for the PIN;

Upon receiving the payment interworking processing request signal, a customer card company is selected from a customer through the mobile communication terminal, the mobile communication terminal access information is transmitted to the selected card company, and then between the mobile communication terminal and the payment authentication call server unit. A BIN server for relaying a currency path and generating and transmitting a registration message when registering a BIN number payment service, and generating and transmitting a usage message when the authentication result is successful during a BIN number payment service; And

A card corresponding to the selected card company, the card owner being the customer corresponding to the login information after receiving the login information by connecting with the mobile communication terminal when receiving the mobile communication terminal access information from the BIN server and logging in the customer; A single BIN number is selected by providing a list of BIN numbers for the card of the card, and a PIN is received for the BIN number selected from the mobile communication terminal through the payment authentication call server unit and mapped to the BIN number and the BIN number. Save the registration message including the PIN to complete registration of the BIN number payment service, receive the authentication result value for the selected BIN number from the payment authentication call server unit when requesting the BIN number payment service, and the authentication result value is successful. If it is compared with the registered full-text and the authorization and payment when the match Card company direct mobile easy payment system using a bank identification number, characterized in that it comprises a card company system to complete.
The method of claim 1,

The card company system,

Upon receiving the mobile communication terminal access information from the BIN server, access the mobile communication terminal to receive login information, log in the customer, and provide a list of BIN numbers for the card of the card owner, the customer corresponding to the login information. A card company management server for requesting card selection by means of selecting one BIN number and transmitting BIN card information including the BIN number; And

The registration message stored in the registration message is stored to complete the registration of the BIN number payment service, and upon receipt of the request for the BIN number payment service, a user message including a selected BIN number and a PIN for the BIN number is received and registered in advance. Compare and compare the registered full text for the BIN number generated, the transaction text generation, processing the payment approval by the generated transaction text, and when the payment approval processing is completed, the payment company comprises a payment server for payment completion processing Card company direct mobile payment system using a bank identification number to.
The method of claim 1,

The payment authentication call server unit,

When the BIN number payment service is registered, the terminal identification information and the PIN are stored, and at least one of the terminal identification information and the PIN is applied to generate a registration key (A), which is the authentication result value at the time of registration, and transmitted to the BIN server. And storing the terminal identification information requesting the BIN number payment service and the PIN inputted from the customer during the BIN number payment service, and generating the registration key among the terminal identification information and the PIN as the authentication result value at the BIN number payment service. Generate and transmit the use key B reflecting the same key generation algorithm element applied to,

The BIN server,

The registration key (A) is included in the registration message, the use key (B) is included in the use message, and transmitted, and the key of the use key (B) and registration key (A) in the BIN number settlement service. Card company direct mobile easy payment system using a bank identification number characterized in that the authentication algorithm performs a check according to whether or not matching symmetry matching, and performs a BIN number payment service upon successful authentication.
The method of claim 2,

Card company management server,

After the login, provide a means for authenticating the user to the mobile communication terminal to transmit the personal authentication information received from the mobile communication terminal to the corresponding personal authentication authority to perform further identity verification, and if the identity authentication success identity verification result value BIN card information Send it to your card company's payment server and BIN server,

The BIN server is a card company direct mobile simple payment system using a bank identification number, characterized in that to include the identity verification result in the registration message and the use message.
The method of claim 4, wherein

The card company management server,

Receiving the BIN card information from the mobile communication terminal further including at least one of a card password and a CVC in response to the card selection request upon successful authentication of the entire card number for the BIN number included in the BIN card information; Detecting the validity period and comparing the card information including one of the detected card number, the validity period and the card password and the CVC with the previously stored card information; Card company direct mobile payment system using a bank identification number.
The method of claim 4, wherein

The BIN server,

In order to form a call path between the mobile communication terminal and the payment authentication call server unit, whether to form a call path by sending a mobile communication terminal standard call to the mobile communication terminal or receiving a call from the mobile terminal based payment authentication call server unit. Request to select whether to establish a call path and, when a call request is received from the mobile communication terminal, transmit outgoing request information including the terminal identification information of the mobile communication terminal to the payment authentication call server unit;

If the mobile communication terminal selects a call origination, the mobile communication terminal transmits a call verification to the pre-stored phone number for the selected card company to form a call path, and if a call forwarding is selected, the call forwarding request is transmitted to the BIN server. The card company direct mobile simple payment system using a bank identification number, characterized in that to form a call path with the payment authentication call server unit when a call request is generated by the customer when the call from the payment authentication call server unit.
The merchant server determines whether the customer selects a BIN number payment service as a payment method through a mobile communication terminal, and if the BIN number payment service is selected, the name and terminal identification information of the customer are obtained by obtaining the name and terminal identification information for the customer. A payment interlocking request process for transmitting a payment interlocking process request signal comprising a;

A subscriber determination step of determining whether a customer of the mobile communication terminal and the name is a BIN number payment service subscriber by referring to BIN number payment service subscriber information previously stored in a BIN server;

If the customer is not a BIN number payment service subscriber, the BIN server receives a PIN from the mobile communication terminal through a voice line, which is formed through a payment authentication call server, registers with the payment authentication call server and registers with the card company selected by the customer. Registering the at least one BIN number for the card issued by the card company by the customer by connecting the corresponding card company system and the mobile communication terminal to include at least the BIN number and terminal identification information of the mobile communication terminal. A BIN number payment service registration process of generating a full text and storing it in the card company system; And

If the customer is a subscriber of the BIN number payment service, the BIN server receives the card company and the BIN number from the mobile communication terminal, forms a communication path between the mobile communication terminal and the payment authentication call server unit and establishes a call path by the payment authentication call server unit. Receives the authentication result value according to whether the PIN entered from the customer and the pre-registered PIN matched through to generate a usage message and transmit to the card company system, the registration registered in advance with the usage statement by the card company system Card company direct mobile easy payment method using a bank identification number, characterized in that it comprises a BIN number payment service process to complete the payment approval and payment processing when the match.
The method of claim 7, wherein

The BIN number payment service registration process,

A step of connecting the card company system and the mobile communication terminal by receiving a card company from the customer through the mobile communication terminal and transmitting access information to the card company system of the selected card company when the BIN server receives the payment linkage processing request signal; ;

After the mobile communication terminal connects with the card company system and sends the login information to the card company system to log in and receives and displays a list of BIN numbers for the card of the card owner, which is the customer corresponding to the login information, the mobile communication terminal receives one from the customer. A BIN selection step of receiving a BIN number of a and transferring the card company system;

A call path formation request step of the card company system requesting a call formation to a BIN server;

A step of forming a call path for the BIN server to relay a call path between a mobile communication terminal and a payment authentication call server unit;

The payment authentication call server unit formed with a call path requests the PIN to be input from the mobile communication terminal through the formed call path, receives the PIN, maps and stores the terminal identification information of the mobile communication terminal, and then stores the terminal. A PIN setting step of transmitting a registration authentication result value generated by reflecting the identification information and the BIN number;

Receiving the authentication result value by the BIN server, generating a registration message including the authentication result value, BIN number, and terminal identification information and providing the registration message to a card company system; And

The card company direct mobile payment method using a bank identification number, characterized in that the card company system comprising the registration complete step of receiving and storing the registration message to register the customer as a BIN number payment service subscriber.
The method of claim 8,

The BIN number payment service process,

A BIN number obtaining step of receiving a card company and a BIN number from a mobile communication terminal, if the customer is a BIN number payment service subscriber;

A step of forming a call path for the BIN server to relay a call path between a mobile communication terminal and a payment authentication call server unit;

The payment authentication call server unit formed with the mobile communication terminal and the call path determines whether the PIN inputted from the mobile communication terminal and the pre-registered PIN are matched through the formed call path, and when the match is established, terminal identification information of the mobile communication terminal and An authentication result providing step of generating a use authentication result value generated by reflecting a BIN number and transmitting the generated authentication result to the BIN server;

An authentication result authentication step in which the BIN server compares the use authentication result value with the registration authentication result value and performs authentication according to whether or not it matches;

A use message providing step of generating the use message and transmitting it to a card company system if the authentication result value is successful; And

The card company direct mobile simple payment method using a bank identification number, characterized in that the card company system comprises a payment completion step to complete the payment approval and payment processing when the registration message is received in advance to receive the use message.
The method of claim 8,

The BIN selection step,

A login step in which the mobile communication terminal connects to the card company system and logs in by transmitting login information to the card company system;

When the mobile communication terminal logs in, the card company system provides the user authentication means to the mobile communication terminal to transmit the personal authentication information received from the mobile communication terminal to the corresponding personal authentication authority to perform the personal authentication further, and transmit the result of the mobile communication. Identity authentication step provided to the terminal; And

Upon successful authentication, a list of BIN numbers for the card holder's card corresponding to the login information is received and displayed from the card company system, and a BIN number is selected from the customer and sent to the card company system. Card company direct mobile easy payment method using a bank identification number comprising a step.
The method of claim 10,

The BIN selection step,

The card company system receives BIN card information from the mobile communication terminal, the BIN card information further including at least one of a password and a CVC of the card for the selected BIN number in response to the card selection request in the BIN number providing step. Occupancy authentication step that detects the entire card number and expiration date for the BIN number and compares the card information including one of the card password and CVC with the previously stored card information, and performs the identity card occupancy authentication according to the match. Card company direct mobile easy payment method using a bank identification number, characterized in that it further comprises a.
The method of claim 8,

The relay stage formed by currency,

Whether the BIN server will form a call path by calling a mobile communication terminal standard call to the mobile communication terminal to form a call path between the mobile communication terminal and the payment authentication call server unit, from the mobile communication terminal standard payment authentication call server unit. A call connection method selection request step of requesting to select whether to receive a call and form a call path;

If the mobile communication terminal selects a call origination, the mobile communication terminal makes a call to the payment authentication call server unit of the phone number for the selected card company, which is stored in advance. Selecting a connection method by a transmission call;

A server unit call request step of transmitting, by the BIN server, call request information including terminal identification information of the mobile communication terminal to a payment authentication call server unit when a call reception request is generated from the mobile communication terminal; And

The payment authentication call server unit sends to the mobile communication terminal, and the bank identification number comprising the step of forming a server call currency path to form a communication path with the mobile communication terminal when accepting a call from the mobile communication terminal with respect to this; Card company direct mobile easy payment method using.
The method of claim 9,

The relay stage formed by currency,

Whether the BIN server will form a call path by calling a mobile communication terminal standard call to the mobile communication terminal to form a call path between the mobile communication terminal and the payment authentication call server unit, from the mobile communication terminal standard payment authentication call server unit. A call connection method selection request step of requesting to select whether to receive a call and form a call path;

If the mobile communication terminal selects a call origination, the mobile communication terminal makes a call to the payment authentication call server unit of the phone number for the selected card company, which is stored in advance. Selecting a connection method by a transmission call;

A server unit call request step of transmitting, by the BIN server, call request information including terminal identification information of the mobile communication terminal to a payment authentication call server unit when a call reception request is generated from the mobile communication terminal; And

The payment authentication call server unit sends to the mobile communication terminal, and the bank identification number comprising the step of forming a server call currency path to form a communication path with the mobile communication terminal when accepting a call from the mobile communication terminal with respect to this; Card company direct mobile easy payment method using.