KR20150020927A - Card payment system and method using mobile communication terminal - Google Patents

Abstract

The present invention relates to a system and a method for card payment using a mobile communication terminal. A mobile communication terminal is designated as a virtual card payment terminal, a bill, generated by granting virtual terminal identification information for single payment, is provided to the mobile communication terminal, payment is performed by receiving a payment request for the bill as well as position information of the terminal and card information from the mobile communication terminal, and the position information of the terminal is included in a payment history and is managed when the payment succeeds. Thus, the risk of exposing the card information to others is low and the payment history is efficiently managed.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a card payment system and method using a mobile communication terminal,

The present invention relates to a method and apparatus for assigning virtual terminal identification information to a mobile communication terminal capable of reading card information from a magnetic or IC chip, transmitting an invoice, receiving card information from the mobile communication terminal, And more particularly, to a card payment system and method using a mobile communication terminal.

2. Description of the Related Art Generally, as a payment method for goods such as goods and food, a cash settlement method for making a payment using cash and a card settlement method for making a payment using a credit card, a check card, or a tea money card are mainly used.

Conventionally, a cash settlement method has been mainly used, but recent card settlement methods have become popular due to the development of communication technology and convenience.

Among these card payment methods, an offline card payment method acquires the user's card information from the merchant terminal, transmits the card information to the financial company server together with the payment amount, requests payment, and uses the card information transmitted from the financial company server to determine whether the card is bad, State, and degree of use, and processes payment approval.

At this time, the merchant terminal includes various devices such as a payment terminal, a credit card inquiry machine, and the like. The financial service server includes a VAN (Value Added Network) server, A card issuer server, and a bank server, which can process and approve financial transactions. The merchant terminal and the financial service server can be connected through a private line of a general public telephone network (PSTN) as well as through a wired / wireless Internet network.

In addition, the card payment method on the on-line transmits the card information and the payment amount, which are input by the user, to the financial company server by using the payment module provided by the merchandise selling site on the Internet, Whether or not the card is defective, the credit status, the degree of use, and the like, and processes the payment approval.

However, since the existing card payment method requires the card information to be transmitted to the financial service server through the seller, there is a problem that the card information is highly likely to be hacked or exposed to others, thereby causing a great risk of financial accidents.

In addition, since the franchise terminal can be used only within the franchisee and the mobility is limited, there is a limit to use the franchise when the goods are delivered to the user after payment. In order to solve the problem, the wireless card payment terminal, Is not activated.

The present invention relates to a mobile communication terminal capable of reading card information from a magnetic or IC chip, allocating virtual terminal identification information, transmitting an invoice, receiving card information and position information from the mobile communication terminal, To a card payment system and method using a mobile communication terminal, an affiliate shop terminal, an affiliate shop management server, and a mobile communication terminal that perform card settlement and manage the location information of the mobile communication terminal by a payment history.

According to an embodiment of the present invention, a card settlement system using a mobile communication terminal includes a merchant terminal, a mobile communication terminal, and a merchant point management server, and performs card settlement using virtual terminal identification information And transmits a bill issuance request signal including the identification information of the mobile communication terminal and the payment amount to the merchant management server, An agent terminal for performing settlement when receiving a settlement request signal including card information from a server, an invoice containing virtual terminal identification information, receiving card information while the invoice is displayed, receiving the invoice, Card information, and payment information including the location information of the mobile communication terminal A mobile communication terminal for transmitting a signal to the merchant management server, and a control unit for generating an invoice including the virtual terminal identification information when receiving a bill issuance request signal from the merchant terminal and generating a bill including identification information of the mobile communication terminal And a merchant management server transmitting the payment request signal including the card information received from the mobile communication terminal to the merchant terminal.

The merchant management server can generate one virtual terminal identification information corresponding to the identification information of the merchant terminal that transmitted the billing amount, identification information of the mobile communication terminal, and the billing request signal included in the bill issuance request signal have.

The merchant terminal is allocated a virtual terminal identification information generating band from the merchant management server and is included in the assigned virtual terminal identification information generating band and is included in the input payment amount and one virtual Can be generated.

If the merchant terminal fails to perform the settlement, the merchant terminal may generate new virtual terminal identification information or request the merchant management server to generate new virtual terminal identification information.

The merchant terminal notifies the mobile communication terminal and the merchant management server when the payment is successful, and the merchant management server may store the payment history including the location information of the mobile communication terminal included in the payment request signal .

According to another aspect of the present invention, there is provided a card payment system using a mobile communication terminal, the mobile communication terminal including a merchant terminal, a mobile communication terminal, and a merchant point management server, And a payment server for receiving a billing request signal including the identification information of the mobile communication terminal and the payment amount to the merchant management server, , Receiving an invoice including virtual terminal identification information, receiving card information while the bill is displayed, and transmitting a payment request signal including the bill, the card information, and the location information of the mobile communication terminal to the merchant To the management server, and a mobile communication terminal The mobile communication terminal generates an invoice including the virtual terminal identification information and transmits the bill to the mobile communication terminal having the identification information of the mobile communication terminal, And a merchant management server that performs settlement when the merchant management server receives the payment.

The merchant management server can generate one virtual terminal identification information corresponding to the identification information of the merchant terminal that transmitted the billing amount, identification information of the mobile communication terminal, and the billing request signal included in the bill issuance request signal have.

The merchant terminal is allocated a virtual terminal identification information generating band from the merchant management server and is included in the assigned virtual terminal identification information generating band and is included in the input payment amount and one virtual Can be generated.

If the merchant management server fails to perform the payment, the merchant management server may generate new virtual terminal identification information or request the new merchant terminal to generate new virtual terminal identification information.

The merchant management server can notify the mobile communication terminal and the merchant terminal when the payment is successfully performed and store the payment history including the location information of the mobile communication terminal included in the payment request signal.

According to another aspect of the present invention, there is provided a mobile communication terminal including a communication unit, a memory for storing a card settlement application, and a memory unit for storing, when receiving an invoice including virtual terminal identification information through the communication unit, A payment request signal including the bill, the card information, and the location information of the mobile communication terminal is generated when card information is input through the communication unit by executing a card payment application stored in the memory to display the bill, And a controller for transmitting the settlement request signal through the communication unit and controlling the display of the settlement request execution result.

The communication unit includes a mobile communication module for receiving the bill including the virtual terminal identification information and transmitting the payment request signal, a short range communication module for receiving the card information, and a location information module for receiving the location information of the mobile communication terminal, . ≪ / RTI >

An authentication module for providing a user interface for inputting an ID and a password and for processing a user authentication through a result input through the user interface when receiving an invoice including the virtual terminal identification information; A settlement information acquiring module for acquiring settlement amount and merchant information included in the invoice when the user authentication is successful in the authentication module, a payment information acquiring module for acquiring settlement amount and merchant information included in the invoice, A location information acquisition module for acquiring location information of the mobile communication terminal when acquiring the card information from the card information acquisition module, and a location information acquisition module for acquiring location information of the mobile communication terminal, Location information of the mobile communication terminal, It is possible to generate a payment request signal including the information card and the bill obtained in the modules comprise a payment module for controlling to transmit through the communication unit.

The control unit further includes a card verification module for inquiring the validity of the card information acquired through the card information acquisition module. The payment module transmits the payment request signal only when the result of inquiry by the card verification module is valid card information .

According to another aspect of the present invention, there is provided a merchant terminal including an input unit having a plurality of numeric keys and function keys, a merchant management server, a communication server for transmitting / receiving data to / A memory for storing a billing application, and a card payment application stored in the memory when receiving an input signal for a function key of the input unit. When the identification information and the payment amount of the mobile communication terminal are inputted through the input unit, And a controller for transmitting the billing request signal to the merchant management server through the communication unit and controlling the settlement when receiving the payment request signal including the card information through the communication unit .

The control unit executes the card settlement application, generates a bill issuance request signal including the identification information of the mobile communication terminal and a payment amount, and transmits the bill issuance request signal to the merchant management server through the communication unit. A card information acquiring module that receives a request signal and acquires card information included in the settlement request signal; and a settlement unit that requests settlement with a financial company server using the card information acquired by the card information acquiring module, Modules.

The control unit receives a virtual card identification information generating band from the merchant management server and receives a virtual card identification information generating band included in the allocated virtual terminal identification information generating band, And a virtual terminal identification information generation module for generating terminal identification information. The billing issuance request module may transmit the generated virtual card identification information to the merchant management server together with the billing request signal.

In order to achieve the above object, the merchant management server according to an embodiment of the present invention stores the identification information of the merchant terminal using the card settlement service and the mobile terminal information through the card payment application, the card settlement application, When receiving an invoice request signal including a payment amount and identification information of the mobile communication terminal from the merchant terminal through the communication unit, searches the memory to determine whether the identification information of the merchant terminal and the mobile communication terminal is stored And if it is stored in the memory, generates an invoice including virtual terminal identification information, transmits the bill to the mobile communication terminal having the identification information of the mobile communication terminal, and transmits the bill, card information, Position information of communication terminal And a control unit for controlling to receive and process the settlement request signal including the settlement request signal.

The control unit downloads the card payment application when receiving a download request of the card payment application from the merchant terminal or the mobile communication terminal that is not stored in the memory and transmits identification information of the merchant who downloaded the card payment application, Identification information can be added to the memory.

When receiving the billing request signal through the communication unit, the control unit checks whether the identification information of the merchant terminal that transmitted the billing request signal and the identification information of the mobile communication terminal included in the billing signal are stored in the memory A user authentication module for performing user authentication or user authentication using the card payment application; an invoice generation module for generating an invoice including virtual terminal identification information when the user authentication module succeeds in user authentication; And a payment signal processing module for processing the payment request signal when the payment request signal for the bill generated by the module is received.

The control unit allocates a virtual card identification information generating band to the merchant terminal stored in the memory and transmits the virtual card identification information to the affiliate terminal or transmits the payment amount included in the bill issuance request signal, the identification information of the mobile communication terminal, Further comprising a virtual terminal identification information generation module for generating one virtual terminal identification information corresponding to the identification information of the merchant terminal that transmitted the signal, wherein the bill generation module generates virtual identification information in the virtual terminal identification information generation module Band only and does not generate virtual terminal identification information, it can receive the virtual terminal identification information generated by the merchant terminal and generate an invoice.

The settlement signal processing module determines whether or not the settlement can be directly performed with the financial company server. If the settlement signal processing module can directly perform settlement, the settlement signal processing module requests settlement to the financial company server, A payment request signal can be transmitted.

The control unit notifies the mobile communication terminal or the merchant terminal of the settlement execution success signal in response to the settlement request signal and notifies the settlement history including the location information of the mobile communication terminal included in the settlement request signal May be stored in the memory.

According to another aspect of the present invention, there is provided a card payment method using a mobile communication terminal, including a merchant terminal, a mobile communication terminal, and a merchant point management server, (A) receiving identification information and a payment amount of a mobile communication terminal by executing a card payment application in an affiliate store terminal, and receiving, from the affiliate shop terminal, identification information of the inputted mobile communication terminal (B) generating a bill issuance request signal including a payment amount and a payment amount, and transmitting the bill issuance request signal to the merchant management server; and receiving, when receiving the bill issuance request signal from the merchant management server, To the mobile communication terminal having the identification information of the mobile communication terminal (d) receiving and displaying an invoice including the virtual terminal identification information in the mobile communication terminal and receiving card information; and receiving, in the mobile communication terminal, the received card information, (E) generating a payment request signal including a bill, a location information of the mobile communication terminal, and a location information of the mobile communication terminal, and transmitting the payment request signal to the merchant management server, (F) transmitting the request signal to the merchant terminal, and (g) performing settlement with the financial company server using the card information included in the received settlement request signal at the merchant terminal .

wherein the step (b) comprises: (b-1) generating one virtual terminal identification information included in the virtual terminal identification information allocation band allocated from the merchant management server and corresponding to the entered payment amount and identification information of the mobile communication terminal, (B-2) of generating an invoice issuance request signal including the generated virtual terminal identification information, the identification information of the mobile communication terminal, and the payment amount, and transmitting the generated invoice issuance request signal to the merchant management server .

If the payment is unsuccessful in step (g), the flow returns to step (b-1) to generate new virtual terminal identification information.

The method for payment of a card using a mobile communication terminal may include: (h) notifying, in the step (g), to the mobile communication terminal and the merchant management server in the merchant terminal when the payment is successfully performed; (I) storing a settlement history including location information of the mobile communication terminal included in the settlement request signal.

(c), when the merchant management server receives the billing request signal, transmits the billing amount, identification information of the mobile communication terminal, and the billing request signal included in the billing request signal, (C-1) generating the virtual terminal identification information corresponding to the identification information, and generating an invoice including the generated virtual terminal identification information and transmitting the virtual terminal identification information to the mobile communication terminal having the identification information of the mobile communication terminal And (c-2) transmitting the data.

According to another aspect of the present invention, there is provided a card payment method using a mobile communication terminal, including a merchant terminal, a mobile communication terminal, and a merchant point management server, (A) receiving identification information and a payment amount of a mobile communication terminal by executing a card payment application in an affiliate store terminal, and receiving, from the affiliate shop terminal, identification information of the inputted mobile communication terminal (B) generating a bill issuance request signal including a payment amount and a payment amount, and transmitting the bill issuance request signal to the merchant management server; and receiving, when receiving the bill issuance request signal from the merchant management server, And transmits it to the mobile communication terminal having the identification information of the mobile communication terminal (d) receiving and displaying an invoice including the virtual terminal identification information in the mobile communication terminal and receiving card information; and receiving, in the mobile communication terminal, the received card information, (E) generating a settlement request signal including an invoice, a location information of the mobile communication terminal, and a location information of the mobile communication terminal, and transmitting the settlement request signal to the merchant management server; and in the merchant management server, And (f) performing settlement with the financial company server using the card information included in the settlement request signal.

wherein the step (b) comprises: (b-1) generating one virtual terminal identification information included in the virtual terminal identification information allocation band allocated from the merchant management server and corresponding to the entered payment amount and identification information of the mobile communication terminal, (B-2) of generating an invoice issuance request signal including the generated virtual terminal identification information, the identification information of the mobile communication terminal, and the payment amount, and transmitting the generated invoice issuance request signal to the merchant management server .

If the payment fails to be performed in the step (f), the process returns to step (b-1) to generate new virtual terminal identification information.

The method for payment of a card using a mobile communication terminal may further include the steps of: (g) when the payment is successfully performed in the step (f), notifying the mobile communication terminal and the merchant terminal of the merchant management server, And storing the settlement history including the location information of the mobile communication terminal included in the settlement request signal (h).

(c), when the merchant management server receives the billing request signal, transmits the billing amount, identification information of the mobile communication terminal, and the billing request signal included in the billing request signal, (C-1) generating the virtual terminal identification information corresponding to the identification information, and generating an invoice including the generated virtual terminal identification information and transmitting the virtual terminal identification information to the mobile communication terminal having the identification information of the mobile communication terminal And (c-2) transmitting the data.

The details of other embodiments are included in the detailed description and drawings.

The card payment system and method using the mobile communication terminal, the merchant terminal, the merchant management server, and the mobile communication terminal according to the present invention have the following effects.

According to an embodiment of the present invention, since a mobile communication terminal possessed by an individual is used as a virtual merchant terminal, it is possible to solve deficiencies in security in which card information is exposed to another person, increase reliability, Since there is no need to purchase additional items, the economic burden on the seller can be reduced.

In addition, according to an embodiment of the present invention, when a general mobile communication terminal is connected to a card reader or a card payment application is installed only in a mobile communication terminal capable of NFC communication, the mobile terminal can be used as a virtual merchant terminal. Can be used.

In addition, according to an embodiment of the present invention, it is possible to prevent unjust payment actions that may occur when a mobile communication terminal is used as a virtual merchant terminal, by managing location information of the mobile communication terminal together with payment history.

1 is a schematic block diagram of a card settlement system using a mobile communication terminal according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating an exemplary configuration of a mobile communication terminal according to an exemplary embodiment of the present invention. Referring to FIG.
3 is a schematic configuration diagram of an affiliate terminal related to an embodiment of the present invention.
4 is a schematic configuration diagram of a merchant management server according to an embodiment of the present invention.
5 is a flowchart of a member registration method of a mobile communication terminal according to an embodiment of the present invention.
6 is a flowchart of a member registration method of an affiliated member terminal according to an embodiment of the present invention.
7 is a flowchart illustrating a card settlement method using a mobile communication terminal according to the first embodiment of the present invention.
8 is a flowchart illustrating a card settlement method using a mobile communication terminal according to a second embodiment of the present invention.
9 is a flowchart illustrating a card settlement method using a mobile communication terminal according to a third embodiment of the present invention.
10 is a flowchart illustrating a card settlement method using a mobile communication terminal according to a fourth embodiment of the present invention.

The above objects, features and advantages of the present invention will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. It is to be understood, however, that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and similarities. Like reference numerals designate like elements throughout the specification. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. In addition, numerals (e.g., first, second, etc.) used in the description of the present invention are merely an identifier for distinguishing one component from another.

Hereinafter, a mobile terminal according to the present invention will be described in detail with reference to the drawings. The suffix "module" and "part" for components used in the following description are given or mixed in consideration of ease of specification, and do not have their own meaning or role.

Hereinafter, a card settlement system using a mobile communication terminal according to the present invention, a mobile communication terminal, an affiliate shop terminal, an affiliate shop management server, and a card settlement method will be described in detail with reference to the accompanying drawings.

1 is a schematic block diagram of a card settlement system using a mobile communication terminal according to an embodiment of the present invention.

1, a card payment system using a mobile communication terminal according to the present invention includes a mobile communication terminal 100, an affiliate shop terminal 200, an affiliate shop management server 300, and a financial company server 400 .

The mobile communication terminal 100 is connected to at least one of the affiliate terminal 200, the affiliate shop management server 300, and the financial company server 400 through a mobile communication network and a wire / wireless Internet network to perform data communication . The mobile communication network may include at least one of a 3G network and an LTE (Long Term Evolution) network.

The mobile communication terminal 100 is a communication terminal that can be carried by a user such as a mobile phone, a mobile phone, or a smart phone, and can be used for a short distance wireless communication (NFC) Field communication function or a terminal to which a card reader or a card reader can be connected.

The mobile communication terminal 100 may be installed with a card payment application (also referred to as a program or firmware), downloaded or installed through an application store, installed via a web page, and installed. In addition, the mobile communication terminal 100 may update the card payment application if necessary.

When the mobile communication terminal 100 executes the card payment application and receives the card settlement service, the mobile communication terminal 100 receives the virtual terminal identification information for use as a virtual franchise terminal only once. The mobile communication terminal 100 may receive an invoice including the assigned virtual terminal identification information, receive the card information while the bill is displayed, and generate a payment request signal including the bill and the card information.

The mobile communication terminal 100 may include the location information of the mobile communication terminal in the settlement request signal and send a settlement request signal to the merchant management server 300 to request settlement.

When the virtual terminal identification information is given to the mobile communication terminal 100 and used as a virtual franchise terminal, since security stability may be a problem, the location information of the mobile communication terminal is included in the payment request signal and transmitted If the settlement is successfully performed, the merchant management server 300 manages the location information of the mobile communication terminal together with the settlement history, so that it can be used as confirmation data at the time of receipt of the unauthorized payment report.

The merchant terminal 200 is a card payment terminal installed at an offline merchant or includes an online card payment module. Also, although not specifically shown, the franchise terminal 200 may be connected to a computer or a web server installed at an affiliate shop, and generally refers to a point of sale (POS) terminal provided by PG Corporation.

The merchant terminal 200 can install the card payment application from the merchant management server 300 or from the App Store and can update the card payment application. In addition, the merchant terminal 200 can perform settlement by the card settlement method provided by the present invention by launching the installed card settlement application.

When the merchant terminal 200 is connected to a computer or a web server installed in a merchant through a universal serial bus (USB) or an RS232C cable, the card payment application can be downloaded and executed through a computer or a web server.

The merchant terminal 200 executes the card payment application, and when the identification information and the payment amount of the mobile communication terminal are input, the merchant terminal 200 can generate a bill issuance request signal including the identification information of the mobile communication terminal and the payment amount.

When the merchant terminal 200 transmits a billing request signal to the merchant management server 300 and receives a payment request signal from the merchant management server 300, the merchant terminal 200 extracts the card information included in the payment request signal, The settlement can be performed in cooperation with the settlement server 400.

The merchant management server 300 registers and manages the mobile communication terminal 100 and the merchant terminal 200 for performing card settlement using the mobile communication terminal as a virtual merchant terminal by using the card payment application, The card payment application can be downloaded to the communication terminal and the merchant terminal.

When the merchant management server 300 receives the billing request signal from the merchant terminal 200, the merchant management server 300 may generate an invoice including the virtual terminal identification information. The virtual terminal identification information may be generated in the merchant terminal 200 and included in the billing request signal.

The merchant management server 300 can assign a virtual terminal identification information generating band for each of the merchant terminals 200 and the merchant terminal 200 generates virtual terminal identification information in the allocated band range, It is possible to distinguish the franchisee terminal 200 from the virtual terminal identification information.

The merchant management server 300 can directly generate one virtual terminal identification information for one payment request by referring to the identification information of the merchant terminal 200, the identification information of the mobile communication terminal, and the payment amount.

The virtual terminal identification information is identification information for assuming that the mobile communication terminal 100 is a virtual franchise terminal for use as a virtual franchise terminal only once, and one identification information is assigned to one mobile communication terminal. The virtual terminal identification information becomes invalid when the settlement is completed.

When the merchant management server 300 receives the settlement request signal including the card information from the mobile communication terminal 100, the merchant management server 300 transmits the payment request signal to the merchant terminal 200, can do.

The financial company server 400 may be a financial company server 400c such as a VAN company server 400a, a PG company server 400b or other bank server or a credit card company server, and may perform payment through one financial company server, And a case in which the settlement is performed in conjunction with the settlement. Hereinafter, for the sake of convenience of explanation, a case where settlement is performed through one of the financial settlement server 400 among the above various settlement performing methods will be representatively described.

FIG. 2 is a diagram illustrating an exemplary configuration of a mobile communication terminal according to an exemplary embodiment of the present invention. Referring to FIG.

Referring to FIG. 2, the mobile communication terminal 100 according to an embodiment of the present invention may include a communication unit 110, a memory 120, and a controller 130. The display unit 150 may further include at least one of an input unit 140, a display unit 150, and a card reader unit 160.

The communication unit 110 may include a mobile communication module 111, a short distance communication module 112, and a location information module 113.

The mobile communication module 111 transmits and receives radio signals to at least one of a base station, an external mobile communication terminal, and a server on a mobile communication network. The wireless signal may include various types of data depending on a voice call signal, a video call signal or a text / multimedia message transmission / reception. The present invention receives an invoice including virtual terminal identification information from the merchant management server through the mobile communication module 111 and transmits a payment request signal to the merchant management server.

The short-range communication module 112 refers to a module for short-range communication. Bluetooth, radio frequency identification (RFID), infrared data association (IrDA), ultra wideband (UWB), ZigBee, and the like can be used as the short distance communication technology.

The location information module 113 is a module for confirming or obtaining the location of the mobile terminal. A typical example of the location information module is a GPS (Global Position System) module. According to the present technology, the GPS module calculates information on a distance (distance) from three or more satellites to one point (object), information on the time when the distance information is measured, and then trigonometry is performed on the calculated distance information It is possible to calculate three-dimensional position information according to latitude, longitude, and altitude of one point (object) in one hour. Further, a method of calculating position and time information using three satellites and correcting the error of the calculated position and time information using another satellite is also used.

The memory 120 includes a program area for storing an operating program for controlling the operation of the mobile communication terminal 100 and a downloaded card payment application, a temporary storage area for temporarily storing data generated during the execution of the program, And a data area for storing data generated by the user and invoices generated during the execution of the program. Also, the memory 120 may store virtual terminal identification information.

The input unit 140 includes a plurality of function keys such as a power key, a volume key, a home key, etc., and a keypad, and transmits a key selection signal corresponding to the selected key to the control unit 130.

The display unit 150 includes a touch screen and includes a display area for displaying an operation state of the mobile communication terminal 100 and a control area for receiving a control signal through a graphic user interface.

The card reader unit 160 reads the card information from the RFID chip of the card located in the vicinity or is in contact with the card reader unit 160, and may be mounted inside the mobile communication terminal 100 or connected to the outside.

When the controller 130 receives the bill including the virtual terminal identification information through the communication unit 110, the controller 130 may execute the card payment application stored in the memory 120 to display the bill. When the card information is input through the communication unit 110, the control unit 130 generates a payment request signal including an invoice, card information, and location information of the mobile communication terminal, and transmits a payment request signal to the communication unit 110 And the like. The control unit 130 may control the display unit 130 to receive and display the result of the payment request.

The control unit 130 includes an authentication module 131, a payment information acquisition module 132, a card information acquisition module 133, a position information acquisition module 134, a payment module 135 and a card verification module 136 . The above components are not essential components, and may be configured to include or not include a specific module according to the function of the controller 130.

When the authentication module 131 receives an invoice including virtual terminal identification information, it provides a user interface for inputting an ID and a password, and can process the user authentication through a result input through the user interface .

The payment information acquisition module 132 can detect the payment amount and the merchant information included in the bill displayed on the display unit 150 when the authentication module 131 succeeds in user authentication.

The card information acquisition module 133 acquires the card information input through the communication unit 110 or the card reader unit 160 in a state where the payment amount included in the bill detected by the payment information acquisition module 132 and the merchant information are displayed can do. At this time, the card information may be information read from the card contacting the mobile communication terminal 100 through the short-range communication module 112, or information obtained through the card reader 160.

The location information acquisition module 134 may generate location information of the mobile communication terminal 100 when the card information acquisition module 133 acquires the card information. The mobile communication terminal 100 receives position information from a GPS satellite via the position information module 113 and the position information acquisition module 134 can generate the position information at the time of card settlement.

The payment module 135 may generate a payment request signal including the card information and the bill acquired by the card information acquisition module 133 and transmit the generated payment request signal through the communication unit 110. [ At this time, the settlement request signal may include the location information of the mobile communication terminal acquired by the location information acquisition module 134. The settlement execution result for the request of the payment module 135 may be received in the form of a message from the merchant terminal 200, the merchant management server 300 or the financial company server 400.

The card validation module 136 inquires the validity of the card information acquired by the card information acquisition module 133. The payment module 135 determines whether the inquiry result card information of the card validation module 136 is valid Can be controlled.

Although not shown, the control unit 130 can control to display an information inputting means for member registration provided from the member store management server 300 in order to access the member store management server 300 and perform member registration, You can control to display the results.

3 is a schematic configuration diagram of an affiliate terminal related to an embodiment of the present invention.

Referring to FIG. 3, the merchant terminal 200 according to an embodiment of the present invention may include a communication unit 210, a memory 220, and a controller 230. The merchant terminal 100 may further include an input unit 240, a display unit 250, or an output unit 260.

The communication unit 210 may include a wired Internet module 211 and a wireless Internet module 212. The wired Internet module 211 may transmit data through the PSTN and the wireless Internet module 212 may include Wibro (Wireless Broadband), WLAN (Wireless LAN), Wimax (World Interoperability for Microwave Access), and HSDPA (High Speed Downlink Packet Access).

The memory 220 includes a program area for storing an operating program for controlling the operation of the merchant terminal 200 and a downloaded card payment application, a temporary storage area for temporarily storing data generated during the execution of the program, And a data area for storing an invoice generated during program execution and the like.

The input unit 240 includes a plurality of function keys such as a power key, a volume key, a home key, etc., and a keypad, and transmits a key selection signal corresponding to the selected key to the control unit 230.

The display unit 250 includes a touch screen and includes a display area for displaying an operation state of the merchant terminal 200 and a control area for receiving a control signal through a graphic user interface.

The output unit 260 may output a notification sound when the card information is input, when the document is output, or when the approval result is notified, so that the user can recognize the sound.

The control unit 230 may execute a card payment application stored in the memory 220 when receiving an input signal for the function key of the input unit 240. [ If the identification information and the payment amount of the mobile communication terminal are inputted through the input unit 240, the control unit 230 generates a window issuing request signal and transmits it to the merchant management server through the communication unit 210, The payment request signal including the card information can be received and the settlement can be performed.

The control unit 230 may include a bill issuance request module 231, a card information acquisition module 232, a payment module 233 and a virtual terminal identification information generation module 234. [

The bill issuance request module 231 executes the card payment application, generates a bill issuance request signal including the identification information of the mobile communication terminal and the payment amount, and transmits the bill issuance request signal to the merchant management server through the communication unit 210.

The card information acquisition module 232 can receive the settlement request signal through the communication unit 210 and acquire the card information included in the settlement request signal.

The payment module 233 can request payment from the financial company server using the card information acquired by the card information acquisition module 232 and display the settlement result. In addition, the control unit 230 may further include a card verification module. In this case, the payment module 233 can perform settlement only when the card information is validated through the card verification module.

The virtual terminal identification information generation module 234 is assigned a virtual card identification information generation band from the merchant management server and is included in the assigned virtual terminal identification information generation band and corresponds to the inputted payment amount and identification information of the mobile communication terminal It is possible to generate one virtual terminal identification information. At this time, the virtual terminal identification information generation module 234 can be included as a component of the controller 230 only when virtual terminal identification information is generated in the merchant terminal.

The bill issuance request module 231 may transmit the generated virtual card identification information together with the bill issuance request signal to the merchant management server.

4 is a schematic configuration diagram of a merchant management server according to an embodiment of the present invention.

Referring to FIG. 4, the merchant management server 300 according to an exemplary embodiment of the present invention may include a communication unit 310, a memory 320, and a control unit 330. The merchant management server 300 may further include an input unit 340 and a display unit 350.

The wired Internet module 311 may transmit data through the PSTN and the wireless Internet module 312 may transmit the data through the Wibro (Wireless Broadband), WLAN (Wireless LAN), Wimax (World Interoperability for Microwave Access), and HSDPA (High Speed Downlink Packet Access).

The memory 320 includes a program area for storing an operating program for controlling operations of the merchant management server 300 and a downloaded card payment application, a temporary storage area for temporarily storing data generated during the execution of the program, And a data area for storing data generated by the user and invoices generated during the execution of the program.

The input unit 340 includes a keyboard or a plurality of function keys and a keypad, and transmits a key selection signal corresponding to the selected key to the control unit 330.

The display unit 350 may be a liquid crystal display, a thin film transistor liquid crystal display, an organic light emitting diode, a flexible display, a 3D display And may include at least one.

When receiving the billing request signal including the payment amount and the identification information of the mobile communication terminal from the merchant terminal through the communication unit 310, the control unit 330 searches the memory 320 to identify the merchant terminal and the mobile communication terminal It can be determined whether or not the information is stored as a registered member. When it is determined that the identification information of the merchant terminal and the mobile communication terminal is registered, the control unit 330 generates an invoice and transmits the bill to the mobile communication terminal. The controller 330 receives the bill, card information, and location information of the mobile communication terminal from the mobile communication terminal And can receive the payment request signal including the payment request signal.

When the control unit 330 receives a request for downloading a card payment application from a merchant terminal or a mobile communication terminal that is not stored as a member in the memory 320, the controller 330 may download the card payment application and perform a procedure for member registration. When the member registration process is completed, the identification information of the franchise terminal or the mobile communication terminal can be stored in the memory 320 as member registration information.

The control unit 330 may include a user authentication module 331, an invoice generation module 332, a payment signal processing module 333, and a virtual terminal identification information generation module 334. Each of the above modules may be further included or omitted depending on the function of the control unit.

When the user authentication module 331 receives the billing request signal through the communication unit 310, the identification information of the merchant terminal that transmitted the billing request signal and the identification information of the mobile communication terminal, It is possible to confirm whether or not the user is a user who can use the card payment application by confirming that the user is stored in the storage 320.

When the user authentication module 331 succeeds in user authentication, the bill generation module 332 can generate an invoice including the virtual terminal identification information.

The settlement signal processing module 333 can process the settlement request signal when receiving the settlement request signal for the invoice generated by the invoice generation module 332. [ The settlement signal processing module 333 determines whether or not direct settlement can be performed with the financial company server. If the settlement signal processing module 333 can directly perform settlement, the settlement signal processing module 333 requests settlement with the financial company server. Signal can be transmitted.

The virtual terminal identification information generation module 334 allocates a virtual card identification information generation band to the merchant terminal stored in the memory 320 and transmits the virtual card identification information to the merchant terminal or transmits the payment amount included in the billing request signal, And one virtual terminal identification information corresponding to the identification information of the merchant terminal that transmitted the billing request signal.

The billing generation module 332 allocates only the virtual identification information generation band in the virtual terminal identification information generation module 334 and receives the virtual terminal identification information generated by the merchant terminal when the virtual terminal identification information is not generated, Lt; / RTI >

When receiving the settlement success signal in response to the settlement request signal, the control unit 330 notifies the mobile communication terminal or the merchant terminal of the success of settlement, and transmits the settlement history information of the mobile communication terminal, included in the settlement request signal, Can be stored together.

Accordingly, it can be confirmed whether or not an unauthorized payment has been made with respect to the settlement history completed by using the mobile communication terminal as a virtual merchant terminal later by using the location information of the mobile communication terminal.

FIG. 5 is a flowchart of a member registration method of a mobile communication terminal according to an embodiment of the present invention, and FIG. 6 is a flowchart of a member registration method for an affiliated member terminal according to an embodiment of the present invention.

Referring to FIG. 5, a method of registering a member of a mobile communication terminal according to an embodiment of the present invention executes a card payment application installed in a mobile communication terminal (S511), and accesses a member store management server using a card payment application (S512).

At this time, the mobile communication terminal can download the card payment application through a web page provided by the merchant management server or through the application store.

When the mobile communication terminal accesses the member store management server by using the card payment application, the mobile communication terminal inputs a necessary item and then requests a member registration (S513). The member store management server registers the user who is a member registration means Interface (S514).

The merchant management server authenticates the input items and notifies the mobile communication terminal of the authentication result (S516). At this time, the user authentication can be performed through a mobile communication server that manages user information of the mobile communication terminal.

Referring to FIG. 6, in a method of registering a member terminal for a merchant terminal according to an embodiment of the present invention, the merchant terminal accesses a merchant management server (S611), requests download of a card payment application (S612) And downloading step S613.

When downloading of the card payment application is completed, the merchant terminal installs a card payment application (S614), and may request membership registration using the card payment application (S615).

The merchant management server can provide a user interface (S616) as a member registration means that includes items necessary for membership registration.

The merchant management server authenticates the input items and notifies the charging terminal of the authentication result (S617). At this time, the user authentication may be performed using information of an affiliate store stored in the memory of the affiliate shop management server or a financial company server that manages the affiliate shop terminal.

7 to 10 are flowcharts of a card settlement method using a mobile communication terminal according to the first to fourth embodiments of the present invention.

According to the first embodiment of the present invention, virtual terminal identification information is generated in the merchant point management server, and payment processing is performed in the merchant terminal. In the second embodiment, virtual terminal identification information is generated in the merchant point management server The merchant management server can perform settlement. According to the third embodiment, the virtual terminal identification information is generated in the merchant terminal and the payment is performed in the merchant terminal. In the fourth embodiment, the virtual terminal identification information is generated in the merchant terminal, Lt; / RTI > First, the card settlement method using the mobile communication terminal according to the first embodiment of the present invention will be described in detail. In the second to fourth embodiments, only differences from the first embodiment will be described below.

Referring to FIG. 7, the merchant terminal executes the card payment application and receives the identification information of the mobile communication terminal and the payment amount (S711). The merchant terminal may transmit a billing request signal including the identification information of the inputted mobile communication terminal and the payment amount to the merchant management server (S712), and may request the issuance of the bill.

The merchant management server generates virtual terminal identification information (S713), generates an invoice containing the generated virtual terminal identification information (S714), and transmits the generated bill to the mobile communication terminal (S715).

The mobile communication terminal displays the bill on the display unit (S716), receives the card information in the state where the bill is displayed, and generates the position information (S717). The mobile communication terminal generates a payment request signal including the displayed bill, input card information, and generated location information, and transmits the payment request signal to the merchant management server (S718).

In step S719, the merchant management server transmits a payment request signal including the bill and card information to the merchant terminal in step S719. In step S720, the merchant terminal can perform settlement in conjunction with the financial company server.

In step S721, it is determined whether the payment is successful in the merchant terminal. If the payment is successful, the payment success notification may be transmitted to the mobile communication terminal or the merchant management server in step S722. In this case, the merchant management server receiving the payment success notification may store the location information included in the payment request signal transmitted from the mobile communication terminal together with the payment history (S723).

If the merchant terminal fails to perform the payment at the merchant terminal, the merchant terminal repeats the process of transmitting the request for issuing the bill in step S712 to the merchant management server.

Referring to FIG. 8, the second embodiment of the present invention differs from the first embodiment illustrated in FIG. 7 only in that the entity performing the settlement is an agent terminal or a merchant management server.

Since steps S811 to S818 are the same as steps S711 to S718, a detailed description thereof will be omitted and step S819 will be described from the step S819.

The merchant management server receiving the payment request signal including the bill, the card information, and the location information can perform settlement in cooperation with the financial company server (S819). In step S820, the merchant management server notifies the mobile communication terminal or the merchant terminal of the success of payment (S821). If the merchant management server succeeds in performing the payment, the merchant management server notifies the mobile communication terminal or the merchant terminal of the payment success (S822)

On the other hand, if the payment execution fails in step S813, the merchant management server performs the process again from the step of generating the virtual terminal identification information.

9, the third embodiment of the present invention differs from the first embodiment described with reference to FIG. 7 only in that the entity that generates the virtual terminal identification information is an agent terminal or a merchant management server. Steps after step S914 are the same as those after step S714, so a detailed description thereof will be omitted.

The merchant terminal executes the card payment application, receives the identification information of the mobile communication terminal and the payment amount (S911), and generates the virtual terminal identification information (S912).

In step S913, the merchant terminal generates a billing request signal including the identification information of the input mobile communication terminal, the payment amount, and the generated virtual terminal identification information, and transmits the billing request signal to the merchant management server.

In this case, the billing request signal includes the virtual terminal identification information, which is different from the first embodiment.

Specifically, the merchant terminal can generate one virtual terminal identification information included in the virtual terminal identification information allocation band allocated from the merchant management server and corresponding to the input payment amount and the identification information of the mobile communication terminal. Accordingly, the virtual terminal identification information may include information on the merchant terminal, information on the mobile communication terminal to be used as the virtual merchant terminal, and information on the payment amount, and if any one of the three is different, Information should be generated.

Referring to FIG. 10, the fourth embodiment of the present invention differs from the first embodiment described with reference to FIG. 7 in that the difference between the subject creating the virtual terminal identification information and the payment performing entity is the merchant terminal or the merchant point management server have.

In other words, according to the fourth embodiment of the present invention, there is a difference that the subject generating the virtual terminal identification information is changed from the merchant management server to the merchant terminal and that the payment performing entity is changed from the merchant terminal to the merchant management server. The differences are as described in detail in the second embodiment and the third embodiment.

The above-described card settlement method using the mobile communication terminal according to the present invention can be provided by being recorded in a computer-readable recording medium.

The card payment method using the mobile communication terminal according to the present invention can be executed through software. When executed in software, the constituent means of the present invention are code segments that perform the necessary tasks. The program or code segments may be stored in a processor readable medium or transmitted by a computer data signal coupled with a carrier wave in a transmission medium or a communication network.

A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of the computer-readable recording device include a ROM, a RAM, a CD-ROM, a DVD-ROM, a DVD-RAM, a magnetic tape, a floppy disk, a hard disk and an optical data storage device. The computer-readable recording medium may also be distributed to networked computer devices so that computer readable code can be stored and executed in a distributed manner.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention. The present invention is not limited to the drawings. In addition, the embodiments described in this document are not limited to be applied, but all or some of the embodiments may be selectively combined so that various modifications can be made.

100: mobile communication terminal 200: merchant terminal
300: Merchant management server 400: Financial company server

Claims (33)

A card settlement system including a merchant terminal, a mobile communication terminal, and a merchant management server, wherein the card settlement system performs card settlement using virtual terminal identification information,
And transmits a billing request signal including the identification information of the mobile communication terminal and the payment amount to the merchant management server, and receives from the merchant management server, An agent terminal for performing payment when a payment request signal is received;
Receiving the bill containing the virtual terminal identification information, receiving the card information while the bill is displayed, and transmitting a payment request signal including the bill, the card information, and the location information of the mobile communication terminal to the merchant management A mobile communication terminal for transmitting to a server; And
When the billing request signal is received from the merchant terminal, generates an invoice including the virtual terminal identification information and transmits the bill to the mobile communication terminal having the identification information of the mobile communication terminal, A merchant point management server for transmitting a settlement request signal to the merchant terminal;
And a card payment system using the mobile communication terminal.
The method according to claim 1,
The merchant management server generates one virtual terminal identification information corresponding to the identification information of the merchant terminal that transmitted the billing amount, identification information of the mobile communication terminal, and the billing request signal included in the billing request signal The card payment system using the mobile communication terminal.
The method according to claim 1,
Wherein the merchant terminal is allocated with a virtual terminal identification information generating band from the merchant management server and is included in the allocated virtual terminal identification information generating band, And generates virtual terminal identification information of the mobile terminal.
The method according to claim 1,
Wherein the merchant terminal generates new virtual terminal identification information or requests generation of new virtual terminal identification information to the merchant management server when the payment terminal fails to perform the payment.
The method according to claim 1,
The franchisee terminal notifies the mobile communication terminal and the franchisee management server of the successful completion of the payment,
Wherein the merchant management server stores a payment history including location information of the mobile communication terminal included in the payment request signal.
A card settlement system including a merchant terminal, a mobile communication terminal, and a merchant management server, wherein the card settlement system performs card settlement using virtual terminal identification information,
A merchant terminal for receiving identification information and payment amount of the mobile communication terminal and transmitting a bill issuance request signal including identification information of the mobile communication terminal and the payment amount to the merchant management server;
Receiving the bill containing the virtual terminal identification information, receiving the card information while the bill is displayed, and transmitting a payment request signal including the bill, the card information, and the location information of the mobile communication terminal to the merchant management A mobile communication terminal for transmitting to a server; And
When the billing request signal is received from the merchant terminal, generates an invoice including the virtual terminal identification information and transmits the bill to the mobile communication terminal having the identification information of the mobile communication terminal, A merchant management server that performs settlement when the settlement request signal is received;
And a card payment system using the mobile communication terminal.
The method according to claim 6,
The merchant management server generates one virtual terminal identification information corresponding to the identification information of the merchant terminal that transmitted the billing amount, identification information of the mobile communication terminal, and the billing request signal included in the billing request signal The card payment system using the mobile communication terminal.
The method according to claim 6,
Wherein the merchant terminal is allocated with a virtual terminal identification information generating band from the merchant management server and is included in the allocated virtual terminal identification information generating band, And generates virtual terminal identification information of the mobile terminal.
The method according to claim 6,
Wherein the merchant management server generates new virtual terminal identification information or requests generation of new virtual terminal identification information to the merchant terminal when the payment execution fails.
The method according to claim 6,
Wherein the merchant management server notifies the mobile communication terminal and the merchant terminal when the payment is successfully performed and stores a payment history including location information of the mobile communication terminal included in the payment request signal, The card payment system using the mobile communication terminal.
A communication unit;
A memory for storing a card payment application; And
And when receiving an invoice containing virtual terminal identification information through the communication unit, executing the card payment application stored in the memory to display the bill, and when the card information is inputted through the communication unit, A controller for generating a settlement request signal including information on the settlement request and the location information of the mobile communication terminal, transmitting the settlement request signal through the communication unit, and displaying a result of the settlement request;
And a mobile communication terminal.
12. The method of claim 11,
Wherein,
A mobile communication module for receiving an invoice including the virtual terminal identification information and transmitting the payment request signal;
A local area communication module receiving the card information; And
A location information module for receiving location information of the mobile communication terminal;
The mobile communication terminal comprising:
12. The method of claim 11,
Wherein,
An authentication module for providing a user interface capable of inputting an ID and a password when an invoice including the virtual terminal identification information is received and processing a user authentication through a result input through the user interface;
A payment information obtaining module for detecting a payment amount and merchant information included in the bill if the user authentication is successful in the authentication module;
A card information acquisition module for acquiring card information input through the communication unit in a state where the payment amount and merchant information included in the bill detected by the payment information acquisition module are displayed;
A location information acquisition module for acquiring location information of the mobile communication terminal when the card information acquisition module acquires the card information; And
A payment module for generating the payment request signal including the location information of the mobile communication terminal, the card information acquired by the card information acquisition module, and the bill acquired by the location information acquisition module and transmitting the generated payment request signal through the communication unit;
And a mobile communication terminal.
14. The method of claim 13,
Wherein,
And a card validation module for inquiring validity of the card information acquired through the card information acquisition module,
Wherein the payment module controls the payment request signal to be transmitted only when the result of inquiry by the card verification module is valid card information.
An input unit having a plurality of numeric keys and function keys;
A communication unit for transmitting and receiving data to and from the merchant management server, the financial company server or the mobile communication terminal;
A memory for storing a card payment application; And
When receiving an input signal for the function key of the input unit, executes a card payment application stored in the memory, generates a bill issuance request signal when identification information of a mobile communication terminal and a payment amount are inputted through the input unit, A control unit for transmitting a billing request signal to the merchant management server through the communication unit and controlling payment to be performed when a payment request signal including card information is received through the communication unit;
.
16. The method of claim 15,
Wherein,
A bill issuance request module for executing the card payment application, generating a bill issuance request signal including identification information of the mobile communication terminal and a payment amount, and transmitting the generated bill issuance request signal to the merchant management server through the communication unit;
A card information acquisition module for receiving a settlement request signal through the communication unit and acquiring card information included in the settlement request signal; And
A payment module for requesting payment to a financial company server using the card information acquired by the card information acquisition module and displaying a payment result;
.
17. The method of claim 16,
Wherein,
A virtual card identification information generating band allocated from the merchant management server and being included in the allocated virtual terminal identification information generating band and having one virtual terminal identification corresponding to the inputted payment amount and identification information of the mobile communication terminal Further comprising: a virtual terminal identification information generation module for generating information,
Wherein the billing issuance request module transmits the generated virtual card identification information together with the bill issuance request signal to the merchant management server.
A communication unit;
A card settlement application, a memory for storing identification information of the merchant terminal using the card settlement service and the mobile terminal information through the card settlement application; And
When receiving the billing request signal including the payment amount and the identification information of the mobile communication terminal from the merchant terminal through the communication unit, searches the memory to determine whether the identification information of the merchant terminal and the mobile communication terminal is stored, The mobile communication terminal generates an invoice including the virtual terminal identification information and transmits the bill to the mobile communication terminal having the identification information of the mobile communication terminal, Comprising: a control unit for receiving and processing a settlement request signal including information;
The merchant management server comprising:
19. The method of claim 18,
Wherein the controller downloads the card payment application when receiving a download request of the card payment application from an affiliate terminal or a mobile terminal that is not stored in the memory and transmits identification information of the merchant who downloaded the card payment application, And adds the identification information of the terminal to the memory.
19. The method of claim 18,
Wherein,
When receiving the billing request signal through the communication unit, confirms whether identification information of the mobile communication terminal included in the identification information of the merchant terminal that transmitted the billing request signal and the billing request signal is stored in the memory, A user authentication module that performs user authentication or user authentication using the card payment application;
An invoice generation module for generating an invoice including virtual terminal identification information when the user authentication module succeeds in user authentication; And
A payment signal processing module for processing the payment request signal when receiving a payment request signal for the bill generated by the bill generation module;
Wherein the merchant management server comprises:
21. The method of claim 20,
Wherein,
A virtual card identification information generation band is allocated to the merchant terminal stored in the memory and transmitted to the affiliate terminal, or the payment amount, the identification information of the mobile communication terminal, and the bill issuance request signal included in the bill issuance request signal And a virtual terminal identification information generation module that generates one virtual terminal identification information corresponding to the identification information of the transmitted merchant terminal,
The billing generation module receives the virtual terminal identification information generated by the merchant terminal when the virtual terminal identification information generation module allocates only the virtual identification information generation band and does not generate the virtual terminal identification information, To the merchant management server.
21. The method of claim 20,
The settlement signal processing module determines whether or not direct settlement can be performed with the financial company server. If the settlement signal processing module can directly perform settlement, the settlement signal processing module requests settlement with the financial company server, And transmits a settlement request signal to the terminal.
19. The method of claim 18,
Wherein the control unit notifies the mobile communication terminal or the merchant terminal when the settlement execution signal is received in response to the settlement request signal and transmits the settlement request signal including the location information of the mobile communication terminal And stores the settlement history in the memory.
A card settlement method comprising a merchant terminal, a mobile communication terminal, and an affiliate shop management server, wherein the card settlement is performed using virtual terminal identification information,
(a) executing, in the merchant terminal, a card payment application to receive identification information and a payment amount of the mobile communication terminal;
(b) generating, in the merchant terminal, a bill issuance request signal including identification information of the input mobile communication terminal and a payment amount, and transmitting the bill request signal to the merchant management server;
(c) generating, in the merchant management server, an invoice including the virtual terminal identification information when the billing request signal is received, and transmitting the generated bill to the mobile communication terminal having the identification information of the mobile communication terminal;
(d) receiving and displaying an invoice including the virtual terminal identification information in the mobile communication terminal and receiving card information;
(e) generating, in the mobile communication terminal, a payment request signal including the input card information, the bill, and the location information of the mobile communication terminal, and transmitting the payment request signal to the merchant management server;
(f) transmitting, at the merchant management server, a payment request signal including the card information received from the mobile communication terminal to the merchant terminal; And
(g) performing settlement with the financial company server using the card information included in the received settlement request signal at the merchant terminal;
The method comprising the steps of:
25. The method of claim 24,
(b)
(b-1) generating one virtual terminal identification information included in the virtual terminal identification information generation band allocated from the merchant management server and corresponding to the inputted payment amount and identification information of the mobile communication terminal; And
(b-2) generating a bill issuance request signal including the generated virtual terminal identification information, identification information of the mobile communication terminal, and a payment amount, and transmitting the generated bill issuance request signal to the merchant management server Wherein the mobile communication terminal is a mobile communication terminal.
26. The method of claim 25,
Wherein, in the step (g), if the settlement fails, the method returns to step (b-1) to generate new virtual terminal identification information.
25. The method of claim 24,
(h) notifying, in the step (g), to the mobile communication terminal and the merchant management server in the merchant terminal when the payment is successfully performed; And
(i) storing, in the merchant management server, a settlement history including location information of the mobile communication terminal included in the settlement request signal.
25. The method of claim 24,
The step (c)
(c-1) when the merchant management server receives the billing request signal, the merchant management server transmits the billing amount, the identification information of the mobile communication terminal, and the billing request signal included in the billing request signal, Generating the virtual terminal identification information corresponding to the identification information; And
(c-2) generating an invoice including the generated virtual terminal identification information, and transmitting the generated bill to the mobile communication terminal having the identification information of the mobile communication terminal. How to use a credit card.
A card settlement method comprising a merchant terminal, a mobile communication terminal, and an affiliate shop management server, wherein the card settlement is performed using virtual terminal identification information,
(a) executing, in the merchant terminal, a card payment application to receive identification information and a payment amount of the mobile communication terminal;
(b) generating, in the merchant terminal, a bill issuance request signal including identification information of the input mobile communication terminal and a payment amount, and transmitting the bill request signal to the merchant management server;
(c) generating, in the merchant management server, an invoice including the virtual terminal identification information when the billing request signal is received, and transmitting the generated bill to the mobile communication terminal having the identification information of the mobile communication terminal;
(d) receiving and displaying an invoice including the virtual terminal identification information in the mobile communication terminal and receiving card information;
(e) generating, in the mobile communication terminal, a payment request signal including the input card information, the bill, and the location information of the mobile communication terminal, and transmitting the payment request signal to the merchant management server; And
(f) performing settlement with the financial company server using the card information included in the settlement request signal including the card information received from the mobile communication terminal at the merchant management server;
The method comprising the steps of:
30. The method of claim 29,
(b)
(b-1) generating one virtual terminal identification information included in the virtual terminal identification information generation band allocated from the merchant management server and corresponding to the inputted payment amount and identification information of the mobile communication terminal; And
(b-2) generating a bill issuance request signal including the generated virtual terminal identification information, identification information of the mobile communication terminal, and a payment amount, and transmitting the generated bill issuance request signal to the merchant management server Wherein the mobile communication terminal is a mobile communication terminal.
31. The method of claim 30,
And if it is determined in step (f) that the settlement has failed, returning to step (b-1), new virtual terminal identification information is generated.
30. The method of claim 29,
(g) notifying, at the step (f), to the mobile communication terminal and the franchisee terminal in the franchisee management server when the payment is successfully performed; And
(h) storing, in the merchant management server, a settlement history including location information of the mobile communication terminal included in the settlement request signal.
30. The method of claim 29,
The step (c)
(c-1) when the merchant management server receives the billing request signal, the merchant management server transmits the billing amount, the identification information of the mobile communication terminal, and the billing request signal included in the billing request signal, Generating the virtual terminal identification information corresponding to the identification information; And
(c-2) generating an invoice including the generated virtual terminal identification information, and transmitting the generated bill to the mobile communication terminal having the identification information of the mobile communication terminal. How to use a credit card.

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