KR20110069270A - Payment gateway system for processing credit card payment admission - Google Patents

Abstract

PURPOSE: A payment gateway system for credit card payment authenticating process is provided to no need to install a particular software or data such as authentication certificate to a user computer by processing user authentication by using mobile subscription information. CONSTITUTION: A subscriber register(21) registers and processes credit card information which a user uses in paying. A payment request receiver(23) receives a payment request message included in a mobile phone number, a mobile communication company information, a user ID information, and transaction payment. An authentication processor(24) checks whether the mobile phone number of the received payment request message and the user ID information is information of a subscriber or not.

Description

Payment Gateway System for Processing Credit Card Payment Admission}

The present invention relates to a payment gateway system for credit card payment authorization processing, and in particular, located between an individual service provider and a credit card company providing services to their own customers, the customer of the individual service provider uses the credit card for the transaction. The present invention relates to a payment gateway system that handles tasks related to approval of payment so that payment can be made by payment.

As various transactions are made through various communication networks such as the Internet network, payment of the transaction price is immediately processed online.

There are also various methods used to pay for transactions online, such as credit card payment and mobile phone payment.

In general, individual providers provide credit card payment services to their customers through a payment gateway system that acts as a payment authorization for each credit card company.

Due to the nature of the non-face-to-face payment service, an online payment service requires a procedure for receiving payment information from the user and a procedure for confirming whether the user is a legitimate user who can pay through the payment information.

In particular, credit card payment requires credit card information to accurately specify the credit card, such as credit card number, expiration date, CVV code.

However, from the user's point of view, it is inconvenient to input such credit card information every time a payment is made. If the user does not currently have a credit card without memorizing the credit card information, the payment itself becomes impossible.

In addition, if special software or data such as a certificate must be installed on the user's computer using the payment service, the user may be restricted from the location where the payment service is available.

Accordingly, the present invention has been made to solve the above problems, without the limitation that the user has to enter the credit card information every time you make a payment or any software on the user's computer with respect to the credit card payment made online It is an object of the present invention to provide a payment gateway system for credit card payment authorization processing that enables a user to conveniently process a credit card payment using a user's mobile phone subscription information.

In order to achieve the above object, the payment gateway system for credit card payment authorization processing according to the present invention, to interface with each user through a communication network to subscribe to the payment service, at least the mobile phone number, identification information, A subscriber registration unit that stores and manages subscriber information including credit card company information in a subscriber database, and requests a corresponding credit card company to register credit card information to be used for payment by a corresponding credit card company during a registration process of each user; A payment request receiver for receiving a payment request message including at least a mobile phone number, a mobile carrier information, a personal identification information, and a transaction price for each transaction made for each individual provider; The subscriber database checks whether the mobile phone number and the personal identification information of the payment request message received through the payment request receiver is the subscriber's database. If the subscriber's information is correct, the mobile phone number and the personal identification information are transmitted to the corresponding mobile carrier. An authentication processing unit which performs authentication; And a payment approval request unit requesting to approve the credit card payment of the transaction price for the subscriber to the credit card company stored corresponding to the subscriber in the subscriber database according to the authentication result of the authentication processing unit. Is done.

A specific embodiment of the subscriber registration unit may include: a subscription information input unit for inputting personal identification information, a mobile phone number, mobile carrier information, and credit card company information by interfacing with a user who wants to subscribe to a payment service through a communication network; An identity verification unit that performs identity verification by transmitting identity identification information and a mobile phone number to the corresponding mobile carrier entered through the subscription information input unit and confirming that the subscribers of the corresponding mobile communication carrier are correct; A credit card registration request unit requesting the credit card company to receive specific credit card information to be used for payment by the user when the user authentication is successful in the personal authentication unit, and receiving a response regarding the processing result; And a registration processing unit that registers the user as a subscriber by storing the personal identification information, the mobile phone number, and the credit card company information inputted through the subscription information input unit in response to the credit card company.

The identification information may include a name and a social security number.

According to the present invention, when a user pays a transaction price for an individual operator online using a credit card, there is no need to input credit card information such as a credit card number or an expiration date.

In addition, since user authentication is handled using mobile phone subscription information, there is no need for specific software or data such as a certificate on a user's computer, so there is no place restriction.

Accordingly, the credit card payment service can be made more convenient.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Referring to FIG. 1, each user 11 uses a service provided by each individual provider 13 through various communication networks 12 such as a wired internet network or a wireless internet network using a user computer. There is no limitation on the type and content of the services provided by each individual provider 13, each individual provider 13 allows their customers to pay the transaction price using a credit card online.

As an example, if a service provided by an individual operator is an internet shopping mall, the user may select a product to purchase in the internet shopping mall and pay the purchase price of the corresponding product online.

The payment gateway system (20: hereinafter referred to as payment gateway system) for credit card payment authorization processing according to the present invention is a customer of each individual provider 13 between each individual provider 13 and credit card company (17) The payment authorization process is performed so that the transaction can be paid using a credit card.

To this end, the payment gateway system 20 performs user authentication of the user by interworking with each mobile communication company 15 through the communication network 12 and processes a credit card payment approval procedure by interworking with each credit card company 17.

Although not separately shown, each credit card company 17 may be linked with a van (Value-Added Network) company.

In particular, the payment gateway system 20 processes payments using a specific credit card without requiring users to input credit card information such as a credit card number or expiration date every time.

Hereinafter, for convenience of description, a credit card payment service made according to the present invention will be referred to as a 'phone card payment service'.

2, the payment gateway system 20 includes a subscriber registration unit 21, a subscriber database 22, a payment request receiver 23, an authentication processor 24, and a payment approval request unit 25.

The subscriber register 21 interfaces with each user 11 through the communication network 12 so that users who want to use the phone card payment service can join.

For example, the subscriber registration unit 21 outputs a service subscription window 18-1 on a predetermined Internet homepage, so that a user can input information necessary for subscribing to a phone card payment service.

The subscriber registration unit 21 stores and manages each subscriber information normally subscribed to the phone card payment service in the subscriber database 22. The subscriber database 22 includes at least each subscriber's mobile phone number, personal identification information, and credit card company information ( Credit card company that issued the credit card to be used for payment).

Here, the identification information refers to information that can uniquely identify the user, for example, name and social security number.

In addition, the subscriber registrar 21 requests each credit card company 17-1 to register specific credit card information to be used for payment from each user in the process of subscribing to a phone card payment service.

That is, the payment gateway system 20 manages which credit card company the credit card to be used by each subscriber for payment, and each credit card company 17 manages which credit card the subscriber will use for payment.

Specific embodiments of the subscriber register 21 will be described later.

The payment request receiver 23 receives a payment request message for each transaction through the communication network 12.

The payment request message may include various pieces of information generally required for processing the payment approval through the payment gateway system 20 such as a transaction unique number or individual operator identification information associated with the transaction.

In particular, at least in connection with the present invention includes the user's mobile phone number, carrier information, identity information, transaction price.

That is, when a customer using a service of an individual operator requests a payment for a transaction by clicking the 'Make Payment' button displayed on the screen, the payment window 18-2 is output on the screen and the user displays the payment window 18-2. You will be asked to enter your mobile phone number, carrier information, and personal identification information.

When the user completes the input, the payment window 18-2 generates a payment request message including at least the mobile phone number, mobile carrier information, identity identification information, transaction price and delivers it to the payment request receiver 23.

When the payment request message is received through the payment request receiver 23, the authentication processing unit 24 checks the subscriber database 22 and checks whether the mobile phone number and the identification information included in the corresponding payment request message are the subscriber. .

If the mobile phone number and ID information included in the payment request message are not the subscriber's result, the payment fails.

If the mobile phone number and the identification information included in the payment request message belong to the subscriber, the authentication processing unit 24 refers to the mobile phone information included in the payment request message to the mobile phone company 15-1 and the mobile phone number. Identity verification is performed by sending identification information to confirm that the subscribers of the mobile carrier are correct.

If the payment authorization request unit 25 succeeds in authenticating the authentication in the authentication processing unit 24, the payment approval request unit 25 refers to the credit card company information stored in correspondence with the subscriber in the subscriber database 22 to the corresponding credit card company 17-1. Request a payment authorization.

The message that the payment approval request unit 25 sends to the credit card company 17-1 to request payment approval is generally used to process payment approval tasks such as transaction unique number or payment gateway operator identification information related to the transaction. It may contain a variety of information needed, especially the subscriber's identity, mobile phone number, transaction price.

On the other hand, the credit card company (17-1) has received a request for payment approval from the payment approval request unit 25 has already registered the credit card information to be used for payment as described above, the credit card number, expiration date , CVV codes, etc. do not need to be entered again.

Therefore, the credit card company 17-1 determines whether to approve the payment request after performing a procedure required by the credit card company such as receiving a payment password from the subscriber for authentication of the credit card itself.

Referring to FIG. 3, a specific embodiment constituting the subscriber register 21 will be described.

The subscription information input unit 21-1 interfaces with a user who wants to subscribe to a phone card payment service through a communication network and receives information necessary for a subscription procedure. The information necessary for the registration process includes personal identification information, mobile phone number, mobile carrier information, and credit card company information in which a credit card is opened.

For example, the subscription information input unit 21-1 outputs a service subscription window 18-1 including a name field, a social security number field, a mobile phone number field, a mobile carrier information field, and a credit card company information field on the screen so that the user can display the service subscription window 18-1. It can be processed to enter the information.

In the service subscription window 18-1, the user inputs his / her name, social security number, and mobile phone number using the keyboard, and the carrier information is displayed when the user clicks the open button (eg SKT, KTF, LGT, etc.). You can select and enter the mobile carrier that your mobile phone is subscribed to, and the credit card company information is owned by the credit card company type (e.g. Shinhan Card, Kookmin Card, BC Card, etc.) that appears when you click the expand button. The issuer of the credit card can be selected and entered.

The identity verification unit 21-2 transmits a name, resident registration number and mobile phone number to the mobile carrier 15-1 when the necessary information for the registration process is input through the subscription information input unit 21-1. Identity verification is performed by confirming that the subscriber is correct.

The credit card registration request unit 21-3 requests the corresponding credit card company 17-1 to register a specific credit card to be used for payment from the user when the user authentication in the identity verification unit 21-2 succeeds. request.

At this time, the credit card registration request unit 21-3 may transmit information such as the name, resident registration number, mobile phone number of the user to the credit card company 17-1.

Now the credit card company 17-1 outputs the credit card information input window 32 on the screen, so that the user can input the credit card information to be used for the phone card payment service. Information to be input through the credit card information input window 32 is information for specifying a credit card, and may include a credit card number, an expiration date, a CVV code, and the like.

At this time, it may be processed to set a separate payment password for use in the subsequent payment approval process.

The credit card company 17-1 registers the credit card information corresponding to the user when the user inputs the credit card information through the credit card information input window 32.

At this time, the credit card company 17-1 classifies each user by using the user's name, resident registration number, mobile phone number, etc. received from the credit card registration request unit 21-3, and manages the credit card information for each user.

The credit card company 17-1 notifies the credit card registration request unit 21-3 if the credit card registration is normally performed for the user.

Accordingly, the registration processing unit 21-4 registers as a subscriber by storing the user's mobile phone number, ID information, and credit card company information inputted through the subscription information input unit 21-1 in the subscriber database 22. A user registered as a subscriber can formally use a phone card payment service.

4, an example of the overall process of making a credit card payment service according to the present invention will be described.

A user 11-1 who has subscribed to a phone card payment service selects a product to be purchased at an Internet shopping mall of an individual operator (S41-1), and pays a 'phone card payment' among various payment methods in order to pay the purchase price of the product. 'Item is selected (S41-2).

The user 11-1 inputs his / her name, social security number, mobile phone number, and mobile communication company information to which his mobile phone is subscribed (S41-3).

Then, the payment window generates a payment request message including the user's name, social security number, mobile phone number, mobile carrier information, transaction amount and the like and transmits to the payment gateway system 20 (S42).

The payment gateway system 20 checks the subscriber database 22 and checks whether the corresponding name, social security number, and mobile number is the subscriber (S43-1, S43-2).

If it is not the subscriber as a result of the check in step S43-2, the corresponding phone card payment ends in failure (S43-3).

However, if the result of the check in step S43-2 is that of the subscriber, the payment gateway system 20 transmits the subscriber's name, social security number, and mobile number to the mobile carrier 15-1 to check whether the subscriber of the mobile carrier is correct. Perform identity verification (S44-1, S44-2).

If the authentication fails in the above step, the corresponding phone card payment is terminated with failure (S44-3, S44-4).

However, if the authentication is successful, the payment gateway system 20 requests payment approval from the credit card company 17-1 with reference to the credit card company information of the subscriber stored in the subscriber database 22 (S45-1). ).

Now, the credit card company 17-1 outputs a window for inputting a payment password to the user 11-1 to request a payment password (S45-2), and the payment password from the user 11-1. Receive the input (S45-3).

The payment password may be a password set for the credit card or a password set separately for a phone card payment service. Instead of receiving a payment password, an authentication process using an accredited certificate may be performed.

As described above, the credit card information required for specifying the credit card, such as the credit card number or the expiration date, is already registered with the credit card company, and thus does not need to be input again.

The credit card company 17-1 checks whether the payment password entered by the user 11-1 is correct (S46-1).

If the verification result is not the correct payment password, the corresponding phone card payment ends in failure (S46-2). At this time, the error processing, such as allowing the re-entry of the payment password a certain number of times can be made in various ways as necessary.

If the user 11-1 has entered the correct payment password as a result of checking in step S46-1, the credit card company 17-1 approves the payment request to the user 11-1 and the payment gateway system 20. Informs that this is done (S47).

On the other hand, the present invention may be implemented by combining an additional authentication method to enhance the safety and reliability of payment.

For example, the authentication processing unit 24 of FIG. 2 generates a unique authentication number and transmits it to the user's mobile phone after successful authentication using the mobile phone subscriber information of the mobile communication company, and transmits the authentication number through the payment window from the user. Can be input.

In addition, by checking whether the authentication number input by the user matches the authentication number transmitted to the mobile phone of the user, the mobile phone occupancy state of the user who attempts the payment may be authenticated.

In the example of FIG. 4, the authentication procedure of the mobile phone occupancy state may be performed between steps S44-3 and S45-1.

The above-described embodiments are intended to help the understanding of the present invention, and the present invention is not limited to the above-described embodiments and can be variously modified and implemented by those skilled in the art without departing from the spirit of the present invention. to be.

 1 is an overview of a system associated with a credit card payment service,

2 illustrates an embodiment of a payment gateway system in accordance with the present invention;

3 is a specific embodiment constituting a subscriber register;

4 is an example of the entire process of making a credit card payment according to the present invention.

DESCRIPTION OF THE REFERENCE NUMERALS

11,11-1: User 12: Network

13: Individual carrier 15,15-1: Mobile carrier

17,17-1: Credit card company 20: Payment gateway system

21: subscriber register 21-1: subscription information input unit

21-2: Identity Department 21-3: Credit Card Registration Request Unit

21-4: Registration Processing Unit 22: Subscriber Database

23: payment request receiving unit 24: authentication processing unit

25: Payment approval request

Claims (3)

The user interface with each user through a communication network to subscribe to the payment service, and stores and manages subscriber information including at least mobile phone number, identity information, and credit card company information in the subscriber database. A subscriber registration unit for requesting a card company to process registration of credit card information for a user to use for payment; A payment request receiver for receiving a payment request message including at least a mobile phone number, a mobile carrier information, a personal identification information, and a transaction price for each transaction made for each individual provider; The subscriber database checks whether the mobile phone number and the personal identification information of the payment request message received through the payment request receiver is the subscriber's database. An authentication processing unit which performs authentication; And According to the authentication result of the authentication processing unit, the credit card company stored in the subscriber database corresponding to the subscriber comprises a payment approval request unit for requesting to approve the credit card payment of the transaction price for the subscriber Payment gateway system for credit card payment authorization processing. The method of claim 1, The subscriber registration unit may include a subscription information input unit for inputting personal identification information, a mobile phone number, mobile carrier information, and credit card company information by interfacing with a user who wants to subscribe to a payment service through a communication network; An identity verification unit that performs identity verification by transmitting identity identification information and a mobile phone number to the corresponding mobile carrier entered through the subscription information input unit and confirming that the subscribers of the corresponding mobile communication carrier are correct; A credit card registration request unit requesting the credit card company to receive specific credit card information to be used for payment by the user when the user authentication is successful in the personal authentication unit, and receiving a response regarding the processing result; And And a registration processing unit for registering the user as a subscriber by storing the personal identification information, the mobile phone number, and the credit card company information inputted through the subscription information input unit in response to the credit card company. Payment gateway system for credit card payment authorization processing. The method according to claim 1 or 2, The identification information includes a name and a social security number payment gateway system for credit card payment approval processing, characterized in that.

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