KR20110084865A - Mobile credit card payment method using mobile id and contact and contactless communication and apparatus for the method - Google Patents

Abstract

PURPOSE: A mobile credit card payment method and apparatus thereof which uses contact/noncontact communication are provided to perform payment by using a mobile ID by transferring virtual mobile ID without transferring card information of a user to a franchise. CONSTITUTION: A download unit(214) downloads a mobile credit card payment program. A memory unit(211) stores the downloaded credit card payment program. A security unit(212) encodes credit card information and payment information. A communication unit(213) transmits and receives authentication information with a server. A controller(216) classifies information which is received from the server.

Description

Mobile credit card payment method and device using mobile ID and contact / contactless communication {MOBILE CREDIT CARD PAYMENT METHOD USING MOBILE ID AND CONTACT AND CONTACTLESS COMMUNICATION AND APPARATUS FOR THE METHOD}

The present invention relates to a credit card payment that occurs offline, and more particularly, to a credit card payment method and apparatus using a mobile ID stored in a mobile terminal such as a smartphone. More specifically, the present invention transmits a mobile ID to a wireless payment terminal of an offline credit card merchant by a contact / contactless or separate communication method, and requests a payment approval to a mobile terminal of a user mapped to the mobile ID. The present invention relates to a mobile credit card payment method and apparatus for delivering a payment approval result to a merchant and a mobile terminal in real time.

IT services, which began with PCs and the Web, are now developing at a faster pace thanks to the spread of mobile terminals called smartphones, along with the electronic payment business. Recently, in addition to the existing open market and online shopping malls, social commerce has appeared, and the market is gradually evolving, and the boundary between online and offline is disappearing.

The offline payment method of the electronic payment business is mainly using a credit card that is easier to use and carry than cash. Specifically, a credit card is recognized through a magnetic reader of a credit card checker, and the recognized credit card information is transmitted to a van company system and a card company to request payment approval.

Recently, mobile credit card payments using mobile terminals have also appeared in the market. Specifically, the mobile credit card payment is characterized by transmitting the credit card information stored in the mobile terminal to the wireless payment terminal (hereinafter referred to as "dongle") of the merchant using RF or infrared rays, and then The payment step is the same as the payment method using the magnetic reader.

However, the offline credit card payment according to the prior art has the following problems.

First of all, the conventional credit card payment transfers the user's credit card number to the merchant and VAN company every payment, so that personal information is exposed to malicious companies or attacks, or theft case is made.

In addition, the conventional mobile credit card payment is also changed from the transfer means of the credit card information, it is not different from the prior art was not free from the personal information exposure and theft accident.

In addition, the conventional mobile credit card payment has a lot of problems in the spread and dissemination because only the mobile-only credit card issued by the credit card company is possible to pay. In addition, there is a limit to the number of mobile credit cards that can be stored in the USIM card, there was an inconvenience that the user must select the card to use selectively.

In addition, the conventional mobile credit card payment simply transmits the payment information, there was a inconvenience that the user must manually check the discount card information, coupons, etc. provided for each merchant, how to manage their payment history This was none.

In addition, since the conventional credit card payment is issued three receipts, the receipt issuance costs and management costs and manpower required for each payment separately required.

The present invention has been made to solve the above-described problems of the prior art, and when a mobile credit card is to be used in an offline affiliated store, a virtual mapping of the user's card information to the affiliated store is performed in a 1: 1 manner. By providing a mobile ID and payment using it, we will provide a payment method that fundamentally eliminates the risk of card information leakage and theft due to duplicate cards.

In addition, the present invention in the mobile terminal receiving a payment request by using a password or a personal identification number (PIN) previously entered by the user to clarify the responsibility for use and fundamentally eliminate the dispute about the payment method To provide.

In addition, the present invention can use not only a mobile-only credit card, but also a general magnetic card input to the mobile terminal, the card company does not need to build a separate infrastructure, users also minimize the hassle of applying for a mobile-only credit card To provide a payment method.

In addition, the present invention is to provide a payment method that can store credit card information in the internal / external memory of the mobile terminal other than the USIM card, regardless of the number of credit cards.

In addition, the present invention displays the information on the discount card, coupons, etc. provided for each merchant on the user's mobile terminal, and provides the user with convenience by automatically generating a receipt for the payment is completed and electronically stored, And to provide merchants with a payment method that can reduce the cost of issuing receipts.

MEANS TO SOLVE THE PROBLEM The present inventors completed this invention as follows as a result of earnestly examining in order to achieve the said objective and to solve the problem of the prior art mentioned above.

That is, a mobile credit card payment method using a mobile ID and contact / contactless communication according to the present invention includes the steps of downloading a mobile credit card payment program into a memory of a mobile terminal; Storing and setting at least one pre-issued mobile credit card as a mobile ID according to the execution of the mobile credit card payment program; Receiving and storing the mobile ID of the user from a credit card company by a server of a mobile credit card payment system; Requesting payment by a user in a contact / contactless or separate communication method to a mobile credit card dongle of a credit card merchant; Requesting a payment to a VAN company and a credit card company using the mobile ID and transaction information received from the credit card affiliate store; Recognizing the mobile ID in the credit card company receiving the payment request and requesting authentication to the server of the mobile credit card payment system; Verifying the validity of the mobile ID at the server of the mobile credit card payment system and requesting authentication from the mobile terminal of the user mapped to the mobile ID; Selectively displaying the available credit card list and additional information on the mobile terminal by comparing the transaction information with previously input credit card information; If a specific credit card is selected from the displayed credit card list, controlling the payment to the specific credit card according to the purchase.

In the mobile credit card payment method using the mobile ID and contact / contactless communication according to the present invention, it is possible to set the main mobile ID to refer to a specific credit card company of the issued mobile ID, the mobile ID is the identification of the existing magnetic credit card It may have the same format as the number 16 digits. In addition, the contact / contactless or separate communication method in the present invention means using a short-range wireless communication means including infrared, NFC, Bluetooth in addition to the existing RF method. On the other hand, the full text of the payment request received from the mobile terminal to the mobile dongle includes the mobile ID and transaction information. In addition, in the present invention, the mobile credit card payment program may also input general magnetic credit card information of a credit card company registered with a mobile ID, and compare additional information available by comparing the credit card entered with the merchant requesting the transaction. The transaction approval may be selectively displayed, and the transaction approval may be selectively displayed according to the conditions input by the user for the transaction completed.

In addition, the mobile terminal of the mobile credit card payment system according to the present invention, the download unit for downloading, installing and managing the mobile credit card payment program; A memory unit which stores the downloaded mobile credit card payment program and secures and manages a space where credit card information is stored in an internal storage space or a memory of the mobile credit card payment program; Security unit for combining or processing and encrypting the credit card information and transaction information; A communication unit capable of transmitting / receiving authentication information with a server of a mobile credit card payment system using a web or a communication network, and transmitting / receiving transaction information with an affiliated store through contact / contactless or separate communication methods; A control unit which controls the memory unit, the security unit and the communication unit, classifies and processes the information received from the server of the user and the mobile credit card payment system; It includes a display unit for displaying the contents received from the controller on the screen that can be recognized by the user.

In addition, the server of the mobile credit card payment system according to the present invention, the database unit for storing user information and mobile ID and stores the data of the mobile credit card payment system; A communication unit for receiving a mobile ID and transaction information from a specific credit card company and transmitting the mobile ID and transaction information to a mobile terminal of a mobile credit card payment system or receiving information from the mobile terminal; A security unit for encrypting / decrypting user information stored in the database unit and information transmitted / received by a mobile credit card payment program; An authenticator verifying validity of the mobile ID and identifying a mobile terminal mapped to the mobile ID; And a controller for classifying and storing information based on the contents received from the mobile terminal, and controlling the communication unit, database unit, and authentication unit.

In addition, the mobile credit card payment system according to the invention is characterized in that it comprises a server of the mobile terminal and the mobile credit card payment system.

According to the present invention, even in the case of a general magnetic credit card can be settled at offline merchants using a contact / contactless or a separate communication method, like a mobile-only credit card, and fundamentally block the leakage or malicious use of credit card information do.

In addition, the consumer can use the best credit card for the affiliated store by displaying different discount card information for each affiliated store on the mobile terminal. In addition, by storing the receipts that were managed as feeders electronically on the mobile terminal, it is possible to manage the user's payment history at a glance, and prevent the dispute of credit card use.

On the other hand, merchants can use the existing mobile credit card dongle as it is, and by using the same payment process as the existing mobile credit card payment process, there is no need for additional training or infrastructure construction costs. Receipt issuance costs and consequent receipt management costs can be reduced, and the required manpower, costs, and resources can be greatly reduced by preventing disputes caused by credit card theft and user use.

In addition, the card company can use the existing magnetic credit card with the mobile credit card without installing additional infrastructure, thereby enabling the activation of mobile credit card payment at no additional cost, and can reduce the cost of issuing the magnetic credit card. .

In addition, in terms of security, the credit card information for payment is not provided to the seller (merchant), and since the card information is encrypted and stored in the mobile terminal with a reliable encryption algorithm, the leakage of personal payment information and the malicious third through it The use of children can be blocked at source. More specifically, for example, since the user enters a password or PIN set directly by himself, he / she can be more clearly responsible for leaking credit card information.

1 illustrates a mobile credit card payment system using a mobile ID and contact / contactless local area communication according to an embodiment of the present invention.
2 is a message flow diagram illustrating a mobile ID issuing procedure of a mobile credit card payment method using a mobile ID and contact / contactless local area communication according to an embodiment of the present invention.
3 is a message flow diagram illustrating a mobile credit card payment method using a mobile ID and contact / contactless local area communication according to an embodiment of the present invention.
4 is a block diagram illustrating an internal block of a mobile terminal in a mobile credit card payment system using a mobile ID and contact / contactless local area communication according to an embodiment of the present invention.
5 is a block diagram illustrating an internal block of a mobile credit card payment system server in a mobile credit card payment system using a mobile ID and contact / contactless local area communication according to an embodiment of the present invention.
6 to 7 illustrate examples of a real display for explaining a mobile credit card payment method using a mobile ID and contact / contactless local area communication according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, but the present invention is not limited or limited to these embodiments.

On the other hand, in describing the present invention, when it is determined that the detailed description of the related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terminology used herein is a term used to properly express a preferred embodiment of the present invention, which may vary according to a user, an operator's intention, or a custom in the field to which the present invention belongs. Therefore, the definition of the terms should be made based on the contents throughout the specification.

First, the technical idea of the present invention will be briefly described and described using a mobile terminal (for example, a smartphone, a mobile phone, a PDA, a Wibro terminal, an ultra mobile PC (UMPC), a portable memory (USB), etc.). A personalized electronic mobile credit card payment solution, comprising: installing a mobile credit card payment program in a memory of the mobile terminal, and storing / managing mobile credit card and / or general magnetic credit card payment information possessed by an individual in the payment program; It is a new technical idea to deliver a mobile ID to an offline credit card merchant through a contact / contactless or separate communication method, and to make a payment with the stored credit card through the personal mobile terminal.

1 illustrates a mobile credit card payment system using a mobile ID and contact / contactless local area communication according to an embodiment of the present invention.

Specifically, the mobile credit card payment system using a mobile ID and contact / contactless local area communication according to an embodiment of the present invention is a mobile terminal 200, mobile credit card payment program 210, credit card merchant 300, mobile It is configured to include a credit card dongle (400), VAN company 600, credit card company 700, mobile credit card payment system server 800. In the present invention, short-range communication refers to short-range wireless communication means including infrared, Near Field Communication (NFC), Bluetooth (Bluetooth), etc. in addition to the existing RF (Radio Frequency) method.

The mobile terminal 200 is configured to include a mobile credit card payment program 210, based on the credit card information stored in the mobile credit card payment program 210 mobile credit card dongle (400) of the credit card merchant 300 Information is transmitted by contact / contactless or separate communication method.

Herein, the credit card merchant 300 refers to an offline credit card merchant, and means a merchant having a mobile credit card dongle 400. The mobile credit card dongle 400 is a wireless payment terminal capable of receiving electronic information through short-range wireless communication, including RF, infrared, NFC, Bluetooth, etc. held in the existing merchant.

The VAN company 600 refers to a credit card payment relay company, and generally transmits the credit card information to the credit card company 700, and transmits the result value to the merchant 300, and manages slips and receipts. The company that performs the business.

Credit card company 700 is a company that is responsible for the validation and credit card payment approval for transactions received a payment request.

The server 800 of the mobile credit card payment system receives a mobile ID from the credit card company 700 to authenticate the user, and transmits a payment authentication request to the mobile terminal 200 of the user mapped to the mobile ID 1: 1. do.

The operating state of the present invention configured as described above will be described.

2 is a message flow diagram illustrating a mobile ID issuing procedure of a mobile credit card payment method using a mobile ID and contact / contactless local area communication according to an embodiment of the present invention.

In detail, the user 100 requests a mobile credit card issuance application to be used as a mobile ID to the credit card company 700 (S201). If it is proved that the credit card company 700 is a valid user, the credit card company 700 issues a mobile credit card by an internal procedure, and sets it as a mobile ID (S202). The set mobile ID is transmitted to the server 800 and the mobile terminal 200 of the mobile credit card payment system (S203, S204). The mobile terminal 200 stores the received mobile ID (S205). In this case, the generally issued magnetic credit card may also be input (S206). The user 100 mainly sets a credit card to be used (S207), and the mobile terminal stores it (S208). The process (S208) is to set the credit card to be displayed to the user 100 when the mobile terminal is in contact with the mobile dongle. Here, one or more credit cards to be used can be set, and a credit card company to be used can be set to display all the credit cards of the credit card company.

3 is a message flow diagram illustrating a mobile credit card payment method using a mobile ID and contact / contactless local area communication according to an embodiment of the present invention.

First, the user makes a purchase request to the affiliated store 300 and contacts the mobile terminal with the mobile dongle of the affiliated store. In the above process, the mobile ID of the injection credit card preset by the user is transmitted to the mobile dongle of the affiliated store through contact / contactless or separate short range communication means (S301).

The mobile dongle of the affiliated store 300 makes a payment request to the VAN company 600 using the received mobile ID (S302), and the VAN company 600 receives the credit card company 700 that receives and issues the mobile ID. Transfer the payment request to (S303). The full text of the payment request includes information necessary for payment of mobile ID and transaction information (amount, merchant, installment, etc.).

The credit card company 700 receiving the payment request identifies the mobile credit card payment request using the mobile ID and transmits the authentication request to the server 800 of the mobile credit card payment system (S304). The server 800 of the mobile credit card payment system verifies the validity of the received mobile ID and checks the user information mapped to the mobile ID 1: 1 (S305). The full text of the authentication request includes information required for payment, such as mobile ID and transaction information. After confirming the user information, the transaction authentication request is transmitted to the mobile terminal 200 of the user (S306).

Receiving the authentication request, the mobile terminal 200 displays previously stored credit card information including an available mobile-only credit card, and selectively displays additional information (discounts, points, installment, etc.) accordingly (S307). . The user selects a suitable credit card based on the displayed content and authenticates by inputting a preset password or PIN into the mobile terminal (S308). The mobile credit card payment program verifies the validity of the input password or PIN, and transmits an authentication result to the server 800 of the mobile credit card payment system for the validated transaction (S309).

The server 800 of the mobile credit card payment system transmits the received authentication result to the credit card company 700 (S310), and the credit card company 700 approves the final payment for the transaction based on the authentication value. (S311). The approval result is transmitted to the affiliated store 300 through the VAN company system (S312, S313), and the affiliated store provides goods, services, and services to the user. In addition, the approval result is transmitted to the mobile credit card payment program of the mobile terminal via the server 800 of the mobile credit card payment system (S314, S315), the payment is stored to the user by storing the approval result in the mobile credit card payment program Acknowledge success.

4 is a block diagram illustrating an internal block of a mobile terminal in a mobile credit card payment system using a mobile ID and contact / contactless local area communication according to an embodiment of the present invention.

4 illustrates a module directly or indirectly related to the present invention. Blocks shown in Figure 4 can be designed as a module, the module refers to a unit for processing a specific function or operation. Each module may be implemented in hardware or software, or may be implemented in a combination of hardware and software.

Specifically, as described above, the mobile terminal 200 is connected to a communication network such as a smart phone, a mobile phone, a PDA, a Wibro terminal, an ultra mobile PC (UMPC), a portable memory (USB), and the like to wirelessly transmit electronic information. Refers to a terminal capable of transmitting and receiving and capable of short-range wireless communication through contact / contactless or separate communication means.

The mobile credit card payment program 210 includes a download unit 214, a memory unit 211, a communication unit 213, a security unit 212, a control unit 216, and a display unit 215.

The download unit 214 downloads the mobile credit card payment program. However, the payment program may exist in the form of VMware (Virtual Machine Software), a smartphone application, etc. according to the mobile terminal system, and may be appropriately interpreted according to the description throughout the present specification.

The memory unit 211 stores the downloaded mobile credit card payment program, and stores a mobile ID of the user, credit card information input by the user, authentication information of the user, and the like.

The communication unit 213 transmits payment information to the mobile dongle of the merchant through a contact / contactless or separate short-range communication method, or receives a payment authentication request from a server of the mobile credit card payment system through a communication network.

The security unit 212 encrypts information to be stored in the memory unit 211, or is responsible for user authentication during encryption / decryption and payment for communication when information is transmitted / received in the communication unit 213.

The controller 216 processes, analyzes, and combines the received information to control the respective modules 211, 212, 213, 214, and 215 through the corresponding information. Create information to show.

The display unit 215 displays the received information to be recognized by the user (customer).

5 is a block diagram illustrating an internal block of a mobile credit card payment system server in a mobile credit card payment system using a mobile ID and contact / contactless local area communication according to an embodiment of the present invention.

5 illustrates a module directly or indirectly related to the present invention. The blocks shown in FIG. 5 may be designed as a module, and the module refers to one unit for processing a specific function or operation. Each module may be implemented in hardware or software, or may be implemented in a combination of hardware and software.

The server 800 of the mobile credit card payment device transmits information with a database unit (DB) 810, a mobile terminal 200, and a credit card company 700 that store and manage a mobile ID that is mapped 1: 1 with user information. / Receives communication unit 840, security unit for preventing hacking or leakage by malicious user, and processing and changing the information 820, based on the information stored in the database unit 810 in real time to map the user information and valid mobile ID It includes an authentication unit 850 for verifying, and a control unit 830 for controlling the database unit 810, security unit 820, communication unit 840, the authentication unit 850.

6 to 7 illustrate examples of a real display for explaining a mobile credit card payment method using a mobile ID and contact / contactless local area communication according to an embodiment of the present invention.

FIG. 6 illustrates an example in which the user 100 contacts the mobile terminal 200 with the mobile credit card dongle 400 of the affiliate store 300 and is displayed in the mobile credit card payment program (220). Available cards and merchant benefits per card are selectively displayed among the previously input credit cards, so that the user can select a payment request card.

When the user selects the payment request card, the payment authentication request is displayed according to the display 230. If the user inputs the preset password, the payment is approved.

7 is a real display example for explaining a receipt for a normal approved payment details. By setting inquiry conditions such as periods and affiliates for the normal approved transactions, the payment details may be selectively displayed (240), and detailed receipt details may be checked according to a user's needs (250).

For easier understanding of the present invention, the following describes a more specific usage scenario.

When a user with a mobile credit card is provided at a merchant from a user's point of view, the mobile credit card can only be used in the past, and there is no difference from general magnetic credit card payment except transmitting the card information through local area communication. . Using the present invention, since a general magnetic credit card can also be used by inputting the card information into a mobile terminal, it is not necessary to carry a credit card one by one, and it is possible to check different benefits at a glance. In addition, receipts are processed electronically, which is useful for receipt management and statistics collection.

Merchants can reduce the cost of issuing receipts without introducing additional infrastructure, and reduce the time required for payment. In addition, the credit card information does not remain in the merchant, reducing the risk of theft by malicious third parties, and can clearly hide the responsibility for use.

On the other hand, card companies can reduce the cost of issuing, sending and managing magnetic cards, and solve problems such as card loss, theft and duplication. It is also possible to activate mobile cards without introducing additional infrastructure.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains have various modifications and variations from such descriptions. It is possible. Therefore, the scope of the present invention should not be limited to the described embodiments, but includes not only the claims below, but also equivalents thereof.

100: user
200: mobile terminal
210: mobile credit card payment program
300: credit card merchant
400: mobile credit card dongle
500: communication network
600: VAN company
700 credit card company
800: mobile credit card payment system server

Claims (11)

Downloading a mobile credit card payment program into a memory of the mobile terminal;
Storing and setting at least one pre-issued mobile credit card as a mobile ID according to the execution of the mobile credit card payment program;
Receiving and storing the mobile ID of the user from a credit card company by a server of a mobile credit card payment system;
Requesting payment by a user in a contact / contactless or separate communication method to a mobile credit card dongle of a credit card merchant;
Requesting a payment to a VAN company and a credit card company using the mobile ID and transaction information received from the credit card affiliate store;
Recognizing the mobile ID in the credit card company receiving the payment request and requesting authentication to the server of the mobile credit card payment system;
Verifying the validity of the mobile ID at the server of the mobile credit card payment system and requesting authentication from the mobile terminal of the user mapped to the mobile ID;
Selectively displaying the available credit card list and additional information on the mobile terminal by comparing the transaction information with previously input credit card information;
And controlling the payment according to the purchase to the specific credit card when a specific credit card is selected from the displayed credit card list.
The mobile credit card payment method of claim 1, wherein the mobile credit card payment method comprises setting a main mobile ID indicating a specific credit card company among the issued mobile IDs.
The method of claim 1, wherein the mobile ID has the same format as the existing magnetic credit card identification number 16 digits.
The method of claim 1, wherein the contact / contactless or separate communication method uses a short range wireless communication means including infrared, NFC, and Bluetooth in addition to the existing RF method.
The method of claim 1, wherein the full text of the payment request received from the mobile terminal in the mobile dongle includes the mobile ID and transaction information.
[4] The mobile credit card payment method of claim 1, wherein the mobile credit card payment program can also input general magnetic credit card information of a credit card company registered with a mobile ID.
[4] The method of claim 1, wherein the mobile credit card payment program selectively displays additional information available by comparing the credit card inputted with the merchant requesting the transaction.
The mobile credit card payment method of claim 1, wherein the mobile credit card payment program selectively displays transaction approval details according to a condition input by a user for a transaction completed.
A download unit for downloading, installing and managing a mobile credit card payment program;
A memory unit which stores the downloaded mobile credit card payment program and secures and manages a space where credit card information is stored in an internal storage space or a memory of the mobile credit card payment program;
Security unit for combining or processing and encrypting the credit card information and transaction information;
A communication unit capable of transmitting / receiving authentication information with a server of a mobile credit card payment system using a web or a communication network, and transmitting / receiving transaction information with an affiliated store through contact / contactless or separate communication methods;
A control unit which controls the memory unit, the security unit and the communication unit, classifies and processes the information received from the server of the user and the mobile credit card payment system;
The mobile terminal of the mobile credit card payment system comprising a display unit for displaying the contents received from the controller on a screen that can be recognized by the user.
A database unit for storing user information and mobile ID and storing data of a mobile credit card payment system;
A communication unit for receiving a mobile ID and transaction information from a specific credit card company and transmitting the mobile ID and transaction information to a mobile terminal of a mobile credit card payment system or receiving information from the mobile terminal;
A security unit for encrypting / decrypting user information stored in the database unit and information transmitted / received by a mobile credit card payment program;
An authenticator verifying validity of the mobile ID and identifying a mobile terminal mapped to the mobile ID;
And a controller for classifying and storing information based on the contents received from the mobile terminal, and controlling the communication unit, the database unit, and the authentication unit.
A mobile credit card payment system comprising a mobile terminal according to claim 9 and a server according to claim 10.

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