KR20070092783A - System and method for the credit card payment via a personal digital-communication device by using an integrated circuit card - Google Patents

Abstract

A system and a method for processing credit card payment by using an IC card in a mobile terminal are provided conveniently/safely to process the credit card payment in a remote place without inputting a payment password, presenting a public certificate, and transferring credit card information to a member shop by authenticating the credit card and processing the payment with the IC card embedded in the mobile terminal. The mobile terminal(200) is embedded or connected to the IC card(100) storing the credit card information of a user. A member shop terminal(300) requests relay of the credit card payment of the remote user by receiving terminal information and payment information from the mobile terminal, and transmitting the received information to a payment relay server(400), and receives a payment result. The payment relay server receives the terminal information, the payment information, and member shop information from the member shop terminal, requests the payment to the user by transmitting the payment and member shop information to the mobile terminal, and relays mutual authentication and the payment by connecting to the IC card embedded in the mobile terminal and a credit card server(500).

Description

 System and Method for the Credit Card Payment via a Personal Digital-Communication Device by using an Integrated Circuit Card}

1 is a simple diagram of a credit card payment system using an integrated circuit card in a personal digital communication terminal according to an embodiment of the present invention.

FIG. 2 is a simple flowchart illustrating a process of requesting a credit card payment to a remote payer by receiving personal terminal information and payment information from a terminal of a credit card merchant according to an embodiment of the present invention.

3 is a simple flowchart illustrating a process of making a credit card payment using an integrated circuit card in a personal digital communication terminal of a payer who is requested to pay according to an embodiment of the present invention.

<Description of main parts of drawing>

100: integrated circuit card 200: personal digital communication terminal

300: terminal of the credit card merchant 400: payment relay server

500: credit card server

The present invention relates to a credit card payment method and system using an integrated circuit card in a personal digital communication terminal, and more particularly, the payer is a mobile phone, a PDA, an Internet phone, a WiBro terminal, a DMB terminal, and a set-top box for receiving a digital TV. Through a personal terminal having a wired / wireless digital communication function, such as, etc., a payment request is made from a remote credit card merchant and an online integrated circuit card (or smart card) mounted or connected to the terminal can be used simply and safely. The present invention relates to a credit card payment method and system that performs credit card payment together with real card authentication.

Payment through credit cards in online and offline stores and stores has been growing rapidly and has become a popular and universal payment method. Accordingly, credit cards are recorded and issued in various media such as contact and radio frequency integrated circuit cards and / or chips, in addition to typical magnetic stripe cards. It is also evolving into several forms of payment, including prepaid cards, check cards, gift cards, and debit cards.

In particular, credit card payment is the most important payment method in online shopping, which is growing day by day. However, in a situation where merchants and cardholders are remote from each other, such as in an online environment, physical card authentication is impossible, and strict identity verification procedures are required to prevent credit card theft by third parties. Therefore, when making a credit card payment on the Internet site, the card member must access the credit card company's Internet site and set a secure click or secure payment (ISP) payment password for the card in advance. Therefore, the payment is made only when the payment password is entered on the credit card payment screen of the Internet site. If the amount to be paid exceeds a certain amount, the cardholder's official certificate must be presented.

However, it is very inconvenient and cumbersome to set up a payment password for each card as described above, and there is a problem that some of the multiple credit cards are limited to online use, or some cardholder classes are completely alienated from online services. In the process of setting up some payment passwords, the lack of strict self-authentication has caused a recent card theft by a third party, causing social problems.

In addition, in the tele-sales industry such as TV home shopping, insurance sales, order delivery, etc., they signed a special contract with a credit card company and signed a special contract with a credit card company.The credit card payment is made by orally receiving a card number and an expiration date from a card member using a telephone. The payment process is inconvenient and cumbersome, and there is a high possibility of the theft of the card by a third party, and since the credit card information of the card member is transferred to the merchant side, there is a problem that a secure credit card transaction cannot be guaranteed.

The credit card issued in the form of an integrated circuit card and / or a chip has security such as an issuing unique number together with credit card information such as a card number and an expiration date on an integrated circuit which cannot be arbitrarily inputted and modified by a third party. Since the information is recorded and registered on the credit card company server, the real card authentication is possible online at any time, and has the advantage of completely blocking the forgery and duplication of the card. Therefore, foreign countries including France have been legally required to issue credit cards as integrated circuit cards (or smart cards) for more than a decade, and in Korea, a considerable number of integrated circuit credit cards have been in circulation. All credit cards that are newly issued or replaced in the future will be issued to the integrated circuit card.

Meanwhile, with the development of wireless communication technology and IT technology, mobile phones, PDAs, and WiBro terminals can be connected to the Internet at high speed regardless of time and place. In addition, with the trend of convergence of broadcasting and communication, Internet telephones are spreading in homes and workplaces, and digital broadcasting is started, and interactive video-on-demand (VOD) services are provided interactively between broadcasters and viewers using DMB terminals and digital TV set-top boxes. , Home banking, home shopping, and home equity trading are expected to become more active. The personal digital communication terminal as described above includes an integrated circuit such as a SIM (Subscriber Identify Module) card, a UIM (User Identify Module) card, and a USIM (Universal Subscriber Indentify Module) card issued by a broadcaster or a communication provider to a subscriber for a subscriber authentication function. Since cards and / or chips are embedded or connected to each other, solutions are being actively developed to provide various additional services to subscribers by utilizing them.

Therefore, by using the on-line real card authentication function of the integrated circuit type credit card and the personal digital communication terminal that will be widely used in the future, the cardholder does not have to enter a payment password set in advance on the Internet site or submit a certificate. There is an urgent need for a new invention that allows credit card payments to be made remotely and easily, without having to deliver the credit card information of the cardholders to merchants in the sales industry.

The present invention has been proposed to solve the above problems, the cardholder as the payer receives a payment through a personal terminal having a wired / wireless digital communication function from the credit card merchant at a remote location for the payment processing of the payment relay server on the wired / wireless network. By using the integrated circuit card mounted inside or connected to the terminal, online credit card payment can be made easily and securely with real card authentication, so that the cardholder enters the payment password set in advance on the Internet site or submits the certificate. A credit card payment method and system using an integrated circuit card in a personal digital communication terminal that can make credit card payments remotely and easily, without having to deliver the cardholder's credit card information to merchants in the telesales industry. In providing The purpose is.

Other objects and advantages of the present invention can be understood by the following description, and will be more clearly understood by the embodiments of the present invention. Also, it will be readily appreciated that the objects and advantages of the present invention may be realized by the means and combinations thereof indicated in the claims.

The present invention for achieving the above object is a credit card payment system using an integrated circuit card in a personal digital communication terminal, a personal digital communication in which an integrated circuit card on which a credit card information of a payer is recorded is mounted or connected. A credit card merchant that receives a terminal, terminal information and payment information of the personal terminal and transmits it to a payment relay server through a wired / wireless network to request a credit card payment relay process to a remote payer and to be notified of the processed payment result. The personal terminal information and payment information is received from the terminal of the merchant and the terminal through the wired or wireless network to the personal terminal and transmits the payment information and merchant information to request the credit card payment to the payer, inside the personal terminal Mounted on or connected to The integrated circuit card where the credit card information of the settled payer is recorded and connected to the relevant credit card company server online to mutually authenticate the credit card settlement and mutual payment between the two parties, and process the settlement result to the terminal and personal terminal of the merchant. Provided is a credit card payment system using an integrated circuit card in a personal digital communication terminal including a payment relay server for transmitting.

In a credit card payment system using an integrated circuit card in a personal digital communication terminal according to the present invention, the personal digital communication terminal is a mobile phone, a PDA, an Internet phone, a WiBro terminal, a DMB terminal, and a set-top box for receiving a digital TV. It is preferable that the at least one personal wired or wireless terminal made of.

In addition, in a credit card payment system using an integrated circuit card in a personal digital communication terminal according to the present invention, the personal terminal information includes a telephone number, an IP address, or a device unique number, and the payment information is a payment. It is preferable that the number, payment amount, and installment months are included.

In the credit card payment system using an integrated circuit card in a personal digital communication terminal according to the present invention, the credit card information of the payer recorded on the integrated circuit card is a postpaid card, a prepaid card, a check card, a gift card, a point. It is preferable to include at least one or more payment information, such as a card, gift card and debit card.

In addition, in the credit card payment system using an integrated circuit card in a personal digital communication terminal according to the present invention, a terminal of a credit card merchant stores a server computer, a PC, which transmits and receives data by connecting to the payment relay server through a wired or wireless network. Including at least one terminal such as a laptop computer, a PDA, a mobile phone, a card authorization terminal, a point of sales terminal, a kiosk, an unmanned vending machine, and an automatic teller machine. It is preferable to make.

In addition, in a credit card payment system using an integrated circuit card in a personal digital communication terminal according to the present invention, the payment relay server includes personal terminal information, payment information, merchant information, and payment results for each credit card payment. Preferably, the database further includes a database for storing and managing records.

In addition, the present invention is a credit card payment method using an integrated circuit card in a personal digital communication terminal, (1) a biller purchases goods or services from a store or store in a remote location and the payment is made using a credit card in a non-face-to-face state Transmitting personal terminal information including a telephone number, an IP address, or a device unique number to a credit card merchant in the form of voice or data; and (2) the terminal of the credit card merchant stores the personal terminal information and payment. Manually or automatically receiving payment information including a number, payment amount, and installment months; and (3) personal terminal information and payment information inputted by a terminal of a credit card merchant, and merchant information is added. Sending the full text to the payment relay server via wired or wireless network, Requesting a relay process; (4) storing a record containing the personal terminal information, payment information, and merchant information received by the payment relay server in a database; and (5) the payment terminal server provides the personal terminal information. Requesting a credit card payment to a payer by accessing a personal terminal through a wired / wireless network using a wired / wireless network, and (6) the payer by operating a personal terminal such as a card password input by the payer. Agreeing with the payment; and (7) the payment relay server is integrated into the personal terminal or integrated circuit card in which the credit card information of the connected payer is recorded, and is connected to the corresponding credit card company server online for mutual authentication between the two parties. (8) the credit card company server corresponding to the payment relay server; Requesting approval of credit card payment by transmitting a full text including credit card information, payment information, merchant information, and card password, and (9) the payment relay server responds to the credit card payment from the credit card company server. The present invention provides a credit card payment method using an integrated circuit card in a personal digital communication terminal including receiving a full message, storing the processed payment result in a corresponding record of a database, and notifying a terminal and a personal terminal of a credit card merchant.

In addition, in the credit card payment method using an integrated circuit card in a personal digital communication terminal according to the present invention, the step (7), (7-1) the credit card company server to the integrated circuit card through the relay of the payment relay server; Requesting security information such as credit card information and issuing unique number recorded on the chip, and (7-2) decrypting the command security message received by the integrated circuit card through its own operation. And (7-3) the integrated circuit card searches and encrypts the security information recorded therein through its own operation, and transmits the generated response security message to the credit card company server through the relay of the payment relay server. And (7-4) decrypting the response security message received by the credit card company server, and comparing and analyzing the corresponding card number with the issued unique number registered in the server online. It is preferable to further include the step of water card authentication.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings, whereby those skilled in the art may easily implement the technical idea of the present invention. There will be. In addition, in describing the present invention, when it is determined that the detailed description of the known technology related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a simple diagram of a credit card payment system using an integrated circuit card in a personal digital communication terminal according to an embodiment of the present invention.

The payment request from the credit card merchant to the remote payer is a telephone of a personal digital communication terminal 200 such as a mobile phone in which the integrated circuit card 100 in which the credit card information of the payer is recorded or mounted therein. Terminal 300 of a credit card merchant such as a personal terminal information including a number, an IP address, or a device unique number, and a payment information including a payment number, a payment amount, and an installment month, etc., connected to a wired / wireless network. After receiving the input manually or automatically, and transmits to the payment relay server 400 which is a server computer, the payment relay server is connected to the personal terminal through the wired or wireless network according to the personal terminal information to transmit the payment information and merchant information Is done.

When the payer requests payment through the personal terminal 200 and agrees online about the credit card payment by inputting a personal terminal such as a card password, the payment relay server 400 is mounted inside the personal terminal or connected to the payment. Online connection with the integrated circuit card 100 in which the credit card information is recorded and the corresponding credit card company server 500 to relay the mutual authentication between the two sides, and the credit card company server 500 with the credit card information, payment information, and affiliated stores. Request for approval of credit card payment by sending the full message including the information and the card password.

The payment relay server 400 receives the full approval response for credit card payment from the credit card company server 500, stores the processed payment results in a database, and stores the terminal 300 and the personal terminal 200 of the credit card merchant. Notify by.

FIG. 2 is a simple flowchart illustrating a process of requesting a credit card payment to a remote payer by receiving personal terminal information and payment information from a terminal of a credit card merchant according to an embodiment of the present invention.

The insurance customer, who is the payer, decides to purchase insurance by consulting a direct insurance sales representative at a remote location, and informs the mobile phone number of personal terminal information in order to make a credit card payment (S100). The direct insurance sales agent inputs payment information including the mobile phone number, payment number, payment amount, and installment months on the payment screen of the PC and executes a payment request function (S110). The PC of the direct insurance sales agent who is the terminal of the credit card merchant sends the full text including the inputted mobile number and payment information and added the merchant information to the payment relay server through the wired / wireless network to relay the credit card payment to the insurance customer. Request (S120).

The payment relay server stores a record containing the received personal terminal information, payment information, and merchant information in a database (S130), and makes a call to the mobile phone of the insurance customer using the mobile phone number, which is the personal terminal information (S130). S140) the payment information and the merchant information is delivered to the voice message ARS method to request the credit card payment to the insurance customer (S150). That is, the payment relay server connects to a personal digital communication terminal through a wired or wireless network and requests payment to the payer in various forms such as voice, text, and / or image.

3 is a simple flowchart illustrating a process of making a credit card payment using an integrated circuit card in a personal digital communication terminal of a payer who is requested to pay according to an embodiment of the present invention.

When a viewer who was watching a home shopping program using a set-top box for receiving a digital TV orders a product through a remote control operation or a telephone consultation order method, the credit card is paid by subtitle characters displayed on the TV screen according to the procedure similar to FIG. It is requested (S200). In this case, however, the personal digital terminal is not a mobile phone but a set-top box for receiving a digital TV. The viewer, who is the payer, checks the connection of the integrated circuit card on which the credit card information is recorded or closes or inserts the card to the connection part of the set-top box or the card insertion part of the remote control according to the payment method guide displayed on the TV screen. Enter the card password to operate and agree to the credit card payment (S210). If the set-top box of the viewer does not support the connection to the integrated circuit card, specify the viewer's mobile phone, PDA, Internet phone, WiBro terminal, or DMB terminal instead of the set-top box for the credit card payment using the integrated circuit card. The payment relay server connects to the integrated circuit card connected to the viewer's set-top box or remote control, and connects online with the corresponding credit card company server to relay mutual authentication between the two sides (S220). When the mutual authentication procedure is completed, the payment relay server sends a message including credit card information, payment information, merchant information, and card password to the corresponding credit card company server to request the approval of credit card payment (S230). Receives the full approval response for credit card payment from the credit card company server (S240), stores the processed payment result in the corresponding record of the database (S250), the server computer of the home shopping company terminal of the credit card merchant, The set-top box for receiving a digital TV of a viewer, which is a personal terminal, is notified (S260).

As described above, the method of the present invention may be implemented as a program and stored in a recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.) in a computer-readable form. Since this process can be easily implemented by those skilled in the art will not be described in more detail.

The present invention described above is capable of various substitutions, modifications, and changes without departing from the technical spirit of the present invention for those skilled in the art to which the present invention pertains. It is not limited by the drawings.

In the personal digital communication terminal according to the present invention, a credit card payment method and system using an integrated circuit card, a payment relay server on a wired / wireless network from a credit card affiliated store through a personal terminal having a wired / wireless digital communication function. By requesting the payment through the relay process, the credit card payment is made online with the real card authentication using the integrated circuit card mounted or connected inside the terminal, thereby making the card member cumbersome and inconvenience in advance. Even if you do not enter a password or submit a certificate, and do not worry about passing the credit card information of the payer to the merchants of the telesales industry, there is an effect that you can easily and securely pay by credit card remotely.

The present invention can be applied to all non-face-to-face transactions that are physically separated from each other, as well as credit card transactions in which the credit card merchant and the credit card merchant are face to face. For example, it can be conveniently and easily applied to all credit card transactions such as internet transactions, TV home shopping, insurance sales, order delivery, video on demand (VOD), and various billing.

Claims (8)

The present invention is a credit card payment system using an integrated circuit card in a personal digital communication terminal, A personal digital communication terminal having an integrated circuit card on which a credit card information of a payer is recorded or connected therein; The terminal and the terminal of the credit card merchant that receives the terminal information and payment information of the personal terminal and transmits to the payment relay server through the wired / wireless network to request the credit card payment relay process for the remote payment, and the notification of the processed payment result; , Receive personal terminal information, payment information, and merchant information from the terminal of the affiliated store, access the personal terminal through a wired / wireless network, transmit payment information and merchant information, and request a credit card payment to the payer, and inside the personal terminal. The integrated circuit card in which the credit card information of the payer on or connected to the card is recorded, and connected online with the corresponding credit card company server, relays the credit card payment together with mutual authentication between the two parties, and processes the settlement result of the merchant terminal and personal Payment relay server to send to the terminal Credit card payment system using an integrated circuit card in a personal digital communication terminal comprising a. The method of claim 1, The personal digital communication terminal, Personal wired and wireless terminals such as mobile phones, PDAs, Internet phones, WiBro terminals, DMB terminals, and set-top boxes for receiving digital TV Credit card payment system using an integrated circuit card in a personal digital communication terminal comprising at least one or more. The method of claim 1, The personal terminal information, Phone number, IP address, or device unique number It includes, and The payment information, Payment number, payment amount, and installment month Credit card payment system using an integrated circuit card in a personal digital communication terminal comprising a. The method of claim 1, Credit card information of the payer recorded on the integrated circuit card, Payment information such as postpaid card, prepaid card, check card, gift card, loyalty card, gift card and debit card Credit card payment system using an integrated circuit card in a personal digital communication terminal comprising at least one or more. The method of claim 1, The terminal of the credit card merchant, Terminals such as server computers, PCs, laptop computers, PDAs, mobile phones, credit card inquiry machines, POS terminals, kiosks, unmanned vending machines, and cash dispensers that access and transmit data through the wired / wireless network. Credit card payment system using an integrated circuit card in a personal digital communication terminal comprising at least one or more. The method of claim 1, The payment relay server, A database that stores and manages records containing personal terminal information, payment information, merchant information, and payment results for each credit card payment. Credit card payment system using an integrated circuit card in a personal digital communication terminal further comprises. A credit card payment method using an integrated circuit card in a personal digital communication terminal, (1) A payment device purchases goods or services from a remote store or store and credits personal terminal information, including telephone number, IP address, or device unique number, to make a payment using a credit card in a non-face-to-face state. Delivering to the card merchant in the form of voice or data; (2) a terminal of a credit card merchant receiving manual or automatic input of payment information including the personal terminal information, a payment number, a payment amount, and an installment month; (3) The credit card payment relay process for the remote payer is transmitted by transmitting the full text including the personal terminal information and payment information inputted by the terminal of the credit card merchant and adding the merchant information to the payment relay server through a wired or wireless network. Requesting, (4) storing, by the payment relay server, a record including the personal terminal information, payment information, and merchant information received in the database; (5) the payment relay server accessing the personal terminal through the wired / wireless network using the personal terminal information and requesting a credit card payment to the payer by transmitting payment information and merchant information; (6) the biller agrees to the credit card payment by operating a personal terminal such as entering a card password; (7) the payment relay server relaying mutual authentication between the two sides by connecting the integrated circuit card in which the credit card information of the payer mounted or connected in the personal terminal is recorded and the corresponding credit card company server online; (8) the payment relay server transmitting a message including credit card information, payment information, merchant information, and a card password to the corresponding credit card company server to request the approval of the credit card payment; (9) the payment relay server receives the full response to the credit card payment from the credit card company server, stores the processed payment results in the corresponding record of the database and notifies the terminal and personal terminal of the credit card merchant; Credit card payment method using an integrated circuit card in a personal digital communication terminal comprising a. The method of claim 7, wherein The step (7), (7-1) the credit card company server transmitting a command security message for the integrated circuit card through the relay of the payment relay server, and requesting security information such as credit card information and issuing unique number recorded on the chip; (7-2) the integrated circuit card decrypting the command security message received through its own operation; (7-3) the integrated circuit card inquires and encrypts the security information recorded therein through its own operation, and transmits the generated response security message to the credit card company server through the relay of the payment relay server; (7-4) Step of decrypting the response security message received by the credit card company server, and comparing and analyzing the corresponding card number with the issued unique number registered in the server to perform real card authentication online. Credit card payment method using an integrated circuit card in a personal digital communication terminal further comprising.

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