KR20020043995A - System and method that is credit card sanction approval that use radio terminal in electronic commerce - Google Patents

Abstract

PURPOSE: A system and a method of the credit card payment approval using a wireless terminal on the EC(Electric Commerce) are provided to prevent the illegal and robbery use of a credit card by confirming a payment intention of the ordered user through a mobile communication terminal. CONSTITUTION: The credit card payment approval comprises a shopping mall(20) providing a charged service on the Internet and transferring a transaction detail and the credit card information to a card company(40) by receiving the card information from a user if the user makes a transaction through the Internet and requests a payment by the card, the card company requesting the transaction approval to the card owner by transferring the transaction detail and a number of the mobile communication terminal(60) of the preset card owner to a security server(50) and transferring a payment approval result of the card company and a transaction approval result of the card owner to the shopping mall, and the security server. The security server informs the wireless terminal of the card owner of the transaction detail and transfers the transaction approval result of the card owner to the card company.

Description

System and method that is credit card sanction approval that use radio terminal in electronic commerce}

The present invention relates to a credit card payment approval system and method using a wireless terminal, and more particularly to a system and method for notifying the purchase details to the wireless terminal of the card owner when the credit card transaction approval in the electronic commerce, and receiving the transaction approval It is about.

Recently, electronic commerce that connects consumers and suppliers and makes payments online using cyber space on the Internet has been spreading.

Among various payment methods of electronic commerce, credit card is an offline payment method, and since many users own it, there is no need to distribute a separate card for electronic commerce.

In the case of electronic commerce payment through credit card, payment is done only when user inputs information such as serial number and expiration date of credit card. Therefore, payment is easy. The completion of is likely to be exploited when credit card information is leaked.

Since the current e-commerce method can not prevent someone from using the lost credit card or leaking credit card information unfairly, the activation of e-commerce is hampered by the concern about the leakage of personal information.

On the other hand, in electronic commerce, there are many disputes caused by consumers who deny the fact of transaction by exploiting the difficulty of confirming the identity and transaction between the actual cardholder and the user.

Although certificates are introduced to prevent this, these certificates are complicated and inconvenient to use and are not commonly used in electronic commerce.

The present invention has a first object of preventing unauthorized use and theft of a credit card by confirming the user's intention to make an order using a mobile communication terminal when paying for a product using a credit card.

A second object of the present invention is to prevent transactions from being denied by consumers by allowing transactions to be processed after being approved through a mobile communication terminal for a transaction of a shopping mall.

A third object of the present invention is to provide a service that allows a user to easily authenticate through a mobile communication terminal without a user's inconvenience and complicated certificates.

A fourth object of the present invention is to provide various services such as mobility, WEB, WAP, ARS, etc. of a mobile communication terminal without adding a separate device.

Still another object of the present invention will be apparent from the following examples.

1 is a flowchart illustrating a service operation process of a system according to an exemplary embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

20: shopping mall 40: card company

50: security server 60: wireless terminal

By providing a paid service on the Internet, when a user connected through the Internet network makes a transaction and applies for payment through a credit card, the user receives the credit card information that he / she wants to pay and receives the transaction details and A shopping mall for transmitting credit card information;

Receives the purchase request and credit card information from the shopping mall, transmits the previously stored card holder's wireless terminal number and transaction details to a secure server connected online to request the approval of the card owner's transaction, and the cardholder from the security server If the transaction approval result is transmitted, the card company for transmitting the approval result of the card itself, and the transaction approval result of the transmitted owner to the shopping mall;

The card company receives the cardholder's wireless terminal number, purchase application details, and the cardholder transaction approval request signal from the card company, and notifies the cardholder's wireless terminal through the wireless network through the wireless gateway to notify the transaction details to the cardholder. When requesting the approval, the cardholder selects whether to approve the payment for the transaction details as a wireless terminal, and constitutes a credit card payment approval system through a wireless terminal including a security server that transmits the transaction result of the cardholder to the card company. It is characterized by.

The credit card payment authorization service method using this system

A user who owns the wireless terminal accesses an internet shopping mall to generate a transaction and select a credit card payment;

Receiving, by the shopping mall, credit card information from a user;

If the credit card information is input, notifying the transaction details of the payment request to the wireless terminal of the credit card owner, and confirming the user's approval through the wireless terminal;

It is characterized in that it comprises the step of performing the credit card payment only when the user's approval signal is transmitted through the wireless terminal.

In other words, since a confirmation message is provided to the cardholder's mobile phone regarding the purchase to be paid in the electronic commerce, the mobile phone owner can prevent others from being provided with the paid service using the leaked credit card information.

Hereinafter, with reference to the accompanying drawings for a detailed description of an embodiment according to the present invention.

1 is a flowchart illustrating a service operation process of a system according to an exemplary embodiment of the present invention.

The present invention is based on a text message transmission interface, an authorization system interface, an ARS service interface, a user DB interface, etc., which are implemented with knowledge commonly used in this field.

The shopping mall 20 provides a paid service on the Internet, a virtual space of the Internet, and the paid service includes an article providing or contents requiring delivery.

In the embodiment according to the present invention, when the user selects a credit card payment, the credit card payment transaction is completed when the user finally approves the transaction in the shopping mall site. For example, "The credit card transaction will be notified of the transaction details requested by the owner of the credit card. The customer must confirm the transaction details and approve it by mobile phone. Processing is complete. The mobile number is the number you entered when you applied for the credit card. "

The shopping mall 20 may be operated by a non-member system, and when the membership system is operated, the mobile phone number entered during the membership registration process may be used, but the mobile phone number entered when the card issued to the card company is used as information on the actual cardholder. In the embodiment, the latter case will be described by way of example.

A user connects to a shopping mall site 20 according to the present invention through an internet network with a client 10 such as a normal PC, generates a transaction, and selects a credit card as a payment means. Enter your serial number and credit card information, such as expiration date. (C1)

Transaction details of the transaction generated by the user and credit card information input from the user are transmitted from the shopping mall to the card company 40 via an additional communication service provider 30 such as a VAN company online. (C2)

The card company 40 stores the user information entered when the user applies for a credit card in the member DB 45. User information, namely cardholder information, includes a mobile communication terminal number such as a mobile phone.

The card company plays a basic role in determining whether it is a usable credit card and approving a payment, similar to a conventional card company. In the system according to the present invention, the card company transmits the cardholder's mobile phone number previously stored in the card company together with the transaction to the security server in order to request the approval of the user's payment in addition to the approval of the card itself.

The security server 50 receives the mobile phone number and the transaction history transmitted from the card company, notifies the cardholder's mobile phone through the wireless gateway through the wireless gateway, and requests the cardholder for approval. )

Transaction history can be sent to the mobile phone as a text message via WAP or SMS (Short Text Service) or to the mobile phone as a voice message through the ARS service. A message sent to a mobile phone may be, for example, "Customer has applied for ** with ** on the shopping mall with a credit card. Please press 1 for authorization and 2 for cancellation."

As such, the transaction details and the authorization request are transmitted to the actual cardholder's mobile phone through the mobile phone number registered while the user is issued the card.

If the user who checks the transaction history through the mobile phone selects the approval, the approval result of the user is transmitted to the security server. (C5) The security server transmits the transmitted approval result to the card company. The security server may store the transaction confirmation information transmitted through the mobile phone in the transaction confirmation DB (55) to solve a dispute caused by a later disapproval of the transaction. (C6)

The card company 40 does not approve the payment unless the cardholder's final approval is transmitted even when the use of the credit card itself is approved. The card company's approval result is transmitted to the shopping mall via the VAN company 30. (C7)

The shopping mall 20 notifies the result according to the transmitted information. (C8)

For example, if the card company did not verify, the message "This card is not available. Please check your card information again." If the card owner does not verify, the transaction was canceled because the card owner did not authorize it. "Can be printed.

If both the card company and the card holder approve it, a message indicating a successful payment is displayed, such as, "The payment was completed successfully by checking the card owner's mobile phone."

Since the cardholder may approve the payment, the time may be delayed. Therefore, if the signal for approval or rejection is not transmitted for a predetermined time, it is preferable to process the payment as canceled.

This system immediately sends the transaction details to the actual cardholder for the credit card settlement of the e-commerce transaction, and obtains approval from the owner and processes the settlement, so that only the actual cardholder can approve the transaction, preventing credit card fraudulent transactions. It provides an effect that can be done.

This is because the payment is processed through the approval of the actual cardholder, there is an advantage to increase the reliability of the e-commerce by preventing denial of the transaction.

On the other hand, the user does not have to use a complicated and inconvenient certificate for secure electronic commerce, it is possible to receive a secure credit card payment service through the system according to the present invention without adding a separate device.

Due to these characteristics, it is possible to increase the reliability of credit card settlement in electronic commerce, thereby contributing to the activation of electronic commerce.

Claims (2)

By providing a paid service on the Internet, when a user connected through the Internet network makes a transaction and applies for payment through a credit card, the user receives the credit card information that he / she wants to pay and receives the transaction details and A shopping mall for transmitting credit card information; Receives the purchase request and credit card information from the shopping mall, transmits the previously stored card holder's wireless terminal number and transaction details to a secure server connected online to request the approval of the card owner's transaction, and the cardholder from the security server If the transaction approval result is transmitted, the card company for transmitting the approval result of the card itself, and the transaction approval result of the transmitted owner to the shopping mall; The card company receives the cardholder's wireless terminal number, purchase application details, and the cardholder transaction approval request signal from the card company, and notifies the cardholder's wireless terminal through the wireless network through the wireless gateway to notify the transaction details to the cardholder. When requesting approval, if the cardholder selects whether to approve the payment for the transaction details through the wireless terminal, a secure server that transmits the cardholder's transaction approval result to the card company Credit card payment approval system using a wireless terminal including a A user who owns the wireless terminal accesses an internet shopping mall to generate a transaction, and selects a credit card payment; Receiving, by the shopping mall, credit card information from a user; When the credit card information is input, notifying the transaction details of the payment request to the wireless terminal of the credit card owner, and confirming the user's approval through the wireless terminal; The step of making a credit card payment only when the user's authorization signal is transmitted through the wireless terminal. Credit card payment approval method using a wireless terminal comprising a