KR20020066755A - Mobile Credit Settlement Using Bar Code By Mobile Terminals Operating in Mobile Environment - Google Patents

Abstract

Supports credit card payment and card supplementary services using mobile communication terminals (mobile phones, PCS phones, smartphones, PDAs, etc.). In particular, the present invention supports a method of blocking the loss of a conventional magnetic credit card and illegal use by a counterfeit card. In addition, by replacing the credit card of a plurality of companies with one mobile communication terminal, the user has to eliminate the inconvenience of having a plurality of cards.

Description

Method for payment of credit card using barcode and provision of credit card additional service in mobile communication terminal {Mobile Credit Settlement Using Bar Code By Mobile Terminals Operating in Mobile Environment}

Magnetic credit cards store the credit card owner's schedule information on magnetic tape and perform credit inquiry and payment on the basis of this.

However, magnetic credit cards have the following problems and inconveniences in use.

A) Current magnetic credit cards present risks due to card loss, theft or use of counterfeit replica cards by others. This is because the method of proving that a magnetic credit card user is the same person as the card holder is very simple and relies on identification by a person.

B) Recently, various credit card companies have issued various types of cards, such as the use of the card and the cumulative score system. As a result, many people have multiple credit cards. In order to receive services from a plurality of card companies using a magnetic credit card, a separate magnetic credit card must be issued and possessed by each card company. This brings the inconvenience of the user having to carry multiple credit cards.

C) In general, users own most of their mobile terminals. However, cards are more likely to be carried only when necessary due to the risk of loss. Therefore, it would be more convenient to replace the card using a mobile communication terminal.

D) Magnetic credit card will be charged for issuance. If we can reduce the magnetic card issuance rate, we can reduce the card company's expense.

E) In the case of magnetic credit card, it takes time to apply for the use of the card and issue it to the user and deliver it to the user. If it is replaced by a mobile terminal, it can be used immediately after application, and the card issuance and card delivery procedure can be omitted.

A) In the use of credit cards, the same services as magnetic credit cards (credit card payment, credit card) using mobile communication terminals (e.g. mobile phones, PCS phones, smartphones, PDAs, etc.) that are always carried by the public instead of magnetic credit cards. Additional services).

B) By using the credit card, the user must be authenticated to use the credit card so that the credit card can be prevented from being stolen, lost, or illegally used by the counterfeit card.

C) In order to use a plurality of cards in order to use them, it is necessary to have a plurality of cards, and by replacing them with one mobile communication terminal, it eliminates the inconvenience of carrying a card.

D) Reduce the cost of card issuance by using a mobile communication terminal instead of using a magnetic credit card.

E) The current magnetic card cannot be used immediately after issuing the application. However, in the case of using a mobile communication terminal, it is possible to use it immediately after application by omitting the issuance and delivery procedure after application.

F) Support users and card merchants to freely use and pay credit cards anytime and anywhere using wireless communication networks.

As shown in FIG. 1, the entire system includes a mobile communication terminal 1, a merchant system 2, a card payment server 100, a credit card data server 3, a wireless communication network 4, and an internet network 5. Consists of.

The mobile communication terminal 1 refers to a portable terminal capable of transmitting and receiving data using a wireless communication network such as a mobile phone, a PCS phone, a PDA, and the like, as a terminal carried by a user.

Card merchants (2) are individuals and businesses that perform card payment, card additional services using the mobile communication terminal (1). Here, the card merchant (2) computer refers to personal computers, medium and large computers, including PDA.

Card payment server 100 is a core software set when supporting the card payment and additional services using the mobile communication terminal (1) is connected to the customer's mobile communication terminal (1) and card merchant (2) computer card service (payment, Additional services).

The credit card computerized data server 3 is a computerized system that stores and stores important data of a customer, and a computerized system operated by a conventional card company belongs to this. Card payment server 100 itself does not hold important data related to the customer, if necessary to request the credit card computerized data server (3) to obtain the data.

As shown in FIG. 1, when the user wants to receive the card payment and the card additional service by the mobile communication terminal 1, the user passes the card payment server via the mobile communication network 4 and the Internet network 5 to the mobile communication terminal 1. Access to the (100) is a member authentication using the 'user ID', 'password', unique identification number of the mobile communication terminal. The following two service methods exist according to the user's purpose of use.

First, a user possesses a plurality of cards, and in order to use a specific card supplementary service (for example, to provide a cumulative score system based on a discount and use in the case of a certain card subscriber at the gas station) You should be checked to see if you are a member. To this end, as shown in the flowchart of FIG. 2, the user downloads a barcode from the card payment server 100 that proves that the card is a subscriber after the user authentication from the card payment server 100, and then transfers the barcode to the mobile terminal 1. Will be stored in. By using the barcode received and stored according to the algorithm described in FIG. 2, the card affiliate company 2 checks this and receives the corresponding service as shown in FIG. Therefore, when a user wants to receive a service of a specific card company by joining various plural card companies, the user downloads and stores a bar code for each card company corresponding to the card company from the card payment server 100 and stores the bar code on the screen whenever the service is received. It is displayed and used according to the procedure of FIG. 3 to confirm card subscription using the mobile communication terminal 1, and transfers the usage history to the credit card computer data server 3 through the card payment server 100. FIG. By using the user can see the benefits of the card company.

Secondly, when a user purchases an item or wants to receive a specific service, the user pays the price using the mobile communication terminal 1. First, the user downloads the disposable barcode from the 'card payment server 100' according to the algorithm described in FIG. At this time, the downloaded barcode automatically disappears from the device within a certain time or after payment, and even if it is stored, it cannot be used.

The barcode received in FIG. 4 is displayed on the LCD screen of the mobile communication terminal 1 and then presented to the barcode reader of the card merchant 2. The procedure is the same as in FIG. As shown in FIG. 5, the card merchant 2 scans barcode information displayed on the LCD of the user mobile communication terminal 1 to scan hardware information of the card merchant computer 2 (eg, a hard disk serial number). , With the merchant's unique encryption key transmits to the card payment server (100). The card payment server 100 determines whether the card affiliate store 2 is valid or whether the received barcode matches the barcode assigned to the user. At this time, if the two conditions are satisfied, the transaction number is generated and additional information of the customer (customer's credit information, usage amount, customer's photo, etc.) is transmitted to the affiliated store. The merchant (2) determines whether the user is an effective user based on the customer's credit information, usage amount, photograph, etc., fills in the name of the transaction item, payment amount, etc. and makes a transaction request. At this time, when transmitted to the card payment server 100, the transaction product name, payment amount, transaction number is transmitted as data. The card payment server 100 verifies the received data and when the received data is valid and normal, processes the payment and notifies the card merchant 2 of the result. Merchant 2 is completed by issuing a receipt after receiving the notification to provide to the customer.

In order to provide the first and second services described above, the card payment server 100 is composed of software modules as shown in FIG. The function of each module is as follows.

A) Client data transmission / reception module 101

Call connection control, data transmission and reception, data encryption and decryption are performed between the card payment server 100 and the customer's mobile communication terminal 1 or affiliated store 2 computer.

B) Membership authentication module (102)

The 'User ID', 'Password', 'Information Attributes of Terminal or User Computer' values received from the card user or the card merchant are transferred to the credit card data server 3, and the credit card data server 3 stores By comparing the information, we verify that the user or merchant is a valid normal card member.

C) Barcode generation and authentication module (103)

If the customer's identity is determined to be valid, a barcode is generated. Bar code generation is different from the one-time barcode used for card payment and the barcode generation for card subscription verification. Once a barcode is proved to be a card member, it is used semi-permanently, whereas the barcode for card payment is a one-time use.

The barcode authentication compares the barcode given to the customer with the barcode received from the affiliated store 2 to determine whether the barcode is matched. If the barcode received from the customer's barcode and the affiliated store in the barcode authentication is the same and the user's barcode is reached within a predetermined time, the transaction code is generated and transmitted to the card affiliated store in response to the settlement process. Send along with the information.

D) Card payment processing module (104)

If the card payment request is received for the transaction number given to the transaction after successful barcode authentication, the card is processed through the linkage with the credit card data server.

E) Information storage and management module (100-5)

It stores data that needs to be stored and managed among the information generated from data processing with customers in the database, and supports administrators to search, search and back up data.

end. Instead of the conventional magnetic credit card, the card can be used in the same manner by using a mobile communication device such as a mobile phone.

I. It is possible to fundamentally prevent the loss of a conventional magnetic card or illegal use of a counterfeit credit card.

All. In the inconvenience of having to carry a plurality of credit cards in order to receive a variety of services can be used to integrate everything in one mobile terminal.

la. The cost of issuing a credit card can be reduced.

hemp. Whenever and wherever you have a mobile terminal, you can receive card services.

Claims (13)

Mobile communication credit card payment which operates by being composed of mobile communication terminal (1), card merchant (2), card payment server (100), credit card data computing server (3) and wireless communication network (3), Internet network (4) With the system, the card service user downloads a bar code having a one-time or semi-permanent use expiration date from the card payment server 100, and stores it temporarily or semi-permanently in the mobile communication terminal 1, and stores the stored bar code in mobile communication. A method for displaying card payment and providing credit card additional services by using a barcode input device of a card merchant (2) displayed on an LCD of a terminal (1) and displayed on a LCD of a mobile communication terminal (1). The method according to claim 1, when the user has subscribed to a plurality of card companies, a plurality of semi-permanent barcodes for each credit card company that can prove that the card company membership is downloaded from the card payment server 100 and stored in the mobile communication terminal 1, Method for using a plurality of card company additional services by displaying a bar code stored in the corresponding bar code when receiving the service for each card company on the LCD of the mobile communication terminal (1). The method according to claim 2, wherein the method for downloading a barcode to prove that the card company is a member is as follows. The user connects to the mobile communication network using the mobile communication terminal 1. When the connection with the mobile communication network 3 is made, it connects with the card payment server 100. After connecting to the card payment server 100, the user 'user ID', 'password' is input. The card payment server 100 authenticates the user using the 'user ID' and the 'password', and if the user is a normal user, displays the user menu. When the user selects 'card company', 'card subscription confirmation request' from the menu, generates a bar code for each user and transmits it to the user's mobile communication terminal (1). The user stores the bar code received by the mobile communication terminal (1). The card member of claim 3, wherein when generating a bar code for each user, a card member capable of demonstrating that the user is a member of the card by generating an integrated bar code that can be used in common by multiple card companies with a single bar code for each user or by creating a separate bar code that can be used only for a specific card company How to prove. The method related to card member verification and additional service use in the card affiliate store 2 using a barcode received in claim 3 and stored in the mobile communication terminal 1 is as follows. The barcode of the card company stored in the mobile communication terminal 1 is displayed on the LCD window of the mobile communication terminal 1 and input to the bar code input unit of the card merchant 2. The computer processing computer of the card affiliate store 2 The scanned barcode is transmitted to the card settlement server 100 together with the merchant encryption key assigned to the affiliated store and specific hardware information of the computer. The card payment server 100 authenticates that the user is a normal member of a specific card company based on the information, and notifies the card affiliate store 2 of the result. The data is transferred to the credit card computer data server during normal processing. The method according to claim 5, wherein when transmitting data from the card merchant 2 to the card payment server 100, not only a bar code scanned by the user mobile communication terminal 1 but also specific hardware information of the computer of the card merchant 2 (eg, a hard disk). Serial number, etc.), and the merchant's unique encryption key, etc., so that the user's barcode can not be used in illegal places. In claim 1, when the user wants to pay the card using a mobile communication terminal, the user must access the card payment server 100 to download the card payment barcode in advance. The procedure for downloading the card payment barcode is as follows. The user accesses the card payment server 100 after accessing the mobile communication network using the mobile communication terminal. After accessing the card payment server 100, the user is authenticated by inputting a 'user ID' and a 'password'. If the user authentication is successful, the card payment server 100 displays a 'user menu'. When the user selects a card payment barcode request from the menu and selects a card company, the user generates a disposable barcode that can be used for card payment and transmits the barcode to the user's mobile communication terminal 1. The method according to claim 7, using the card payment bar code received from the card payment server 100 can not be used after a certain period of time after the card payment processing or download, such as loss or theft of the mobile communication terminal (1) Method for preventing illegal use of barcodes due to When the card payment using the payment barcode downloaded in claim 7, its procedure is as follows. A barcode is displayed on the LCD of the user's mobile communication terminal (1) and input to the card merchant (2) barcode input unit. The card merchant 2 computer computer transmits the card merchant computer-specific hardware information along with the user barcode scanned from the user to the card settlement server 100 together with the merchant computer encryption key. The card payment server 100 determines whether the information is transmitted from the authorized card affiliate store 2 based on the information, matches the bar code given to the user, and whether the bar code is valid. When the determination result is normal, the transaction number is assigned to the processing, and the transaction number, customer credit information, and customer photo information are transmitted to the affiliate computer computer. The card merchant 2 determines whether to provide a card service to the user based on the data received by the card payment server 100, and requests a payment request when it is normal. At this time, the transaction 'item name', 'billing amount', and 'transaction number' are transmitted along with the settlement request. The card payment server 100 determines whether the payment request amount is within the user's credit limit amount, processes the payment when the payment is normal, notifies the merchant of the result, and issues a receipt. The method according to claim 9, the card and the merchant information of the card other than the disposable bar code (2) computer scanned from the user is transmitted together, the card payment server 100 is the computer hardware information and merchant code of the card merchant (2) How to block user barcodes from illegal locations by verifying key values. The method according to claim 9, when the bar code given to the user and the bar code received by the card merchant (2) is matched and valid, the transaction number is assigned to the processing, and then the card merchant (2), card payment based on the transaction number Method of blocking the error due to data hacking and data hacking of the card payment server 100 by processing data between the server (100). The method of claim 9, wherein the card merchant provides not only the credit information of the customer but also the photograph information of the customer so that the card user and the card owner can be identified as the same person, thereby preventing illegal use of the card. User mobile communication terminal (1) and card merchant (2) Client transmission and reception module responsible for transmitting and receiving data with the computer, encryption of transmitted data, decryption of received data, the user with the user 'ID', 'password' Member authentication module for authenticating the card member of the card, barcode generation for card members and barcode generation for card payment processing and barcode generation and authentication module for determining the validity of the barcode, card payment processing module for processing the card payment by the barcode, The data storage and management module, database module, and credit card data computing server, which are responsible for storing and managing data in the database, temporarily or semi-permanently during the above operation. Software configuration of the card payment server 100 consisting of a data transmission and reception module with a credit card server Method on sex module. <Figure 1> Overall System Configuration <Figure 2> Flowchart of downloading barcode for member authentication using mobile communication terminal <Figure 3> Member authentication using a member barcode and card additional service in a mobile communication terminal <Figure 4> Flow chart of barcode download for card payment in mobile communication terminal <Figure 5> Card payment flow chart using barcode in mobile communication terminal Figure 6 software module structure of the card payment server