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WO2019022585A1 - Système de paiement et procédé de paiement pour valider directement un utilisateur après qu'une société de carte a reçu une demande de paiement - Google Patents

Système de paiement et procédé de paiement pour valider directement un utilisateur après qu'une société de carte a reçu une demande de paiement Download PDF

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Publication number
WO2019022585A1
WO2019022585A1 PCT/KR2018/008608 KR2018008608W WO2019022585A1 WO 2019022585 A1 WO2019022585 A1 WO 2019022585A1 KR 2018008608 W KR2018008608 W KR 2018008608W WO 2019022585 A1 WO2019022585 A1 WO 2019022585A1
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WIPO (PCT)
Prior art keywords
information
user
settlement
payment
url
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Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
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PCT/KR2018/008608
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English (en)
Korean (ko)
Inventor
김금철
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Individual
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Individual
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Publication of WO2019022585A1 publication Critical patent/WO2019022585A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0277—Online advertisement

Definitions

  • a payment system for confirming card information of a payment card, a transaction history, a user, and the like, and a payment method thereof.
  • the card company confirms the card information and the transaction details obtained from the merchant and indirectly confirms the signature of the user through the merchant to perform settlement.
  • the card company confirms the user information indirectly obtained through the merchant or the payment agent (payment gateway company) and performs settlement.
  • the card company Since the card company manages the card information and the user information and approves the payment, the card company must directly obtain the user information and confirm the user. However, since the transaction is performed between the user and the merchant, the user information is indirectly transmitted through the merchant or the payment agent Obtain and confirm the user.
  • Korean Patent No. 10-1437878 Payment authentication and request method using ARS is an invention in which a card issuer indirectly obtains user information through a payment agent after a user requests a settlement to a merchant and confirms the user to perform settlement.
  • a method in which a card company indirectly obtains user information and confirms a user after requesting payment from a merchant is referred to as a " post-indirect check method ".
  • Korean Patent No. 10-1751640 (a payment method and a method of providing additional information service using a payment system and a payment system of a payment card) is a method in which a card company directly obtains user information and confirms a user, And the like.
  • a method of directly obtaining user information and confirming a user before a credit card company receives payment approval is referred to as a " prior direct verification method ".
  • An object of the present invention is to provide a payment system and a payment method in which a card company directly obtains user information and confirms a user to make a settlement after a user requests payment from a merchant.
  • the payment system stores card information and URL, and authentication information is set so that the user can log in to the Internet site corresponding to the URL.
  • a URL-NFC payment card that can deliver the URL to a smart device to make a payment
  • a POS terminal capable of generating settlement request information in response to a settlement request of a user of a URL-NFC settlement card and delivering the settlement request information to a credit card company server, acquiring approval result information from a credit card company server, and performing settlement
  • the authentication information entered by the user to the Internet site is transmitted to the card company server, and the user confirms the settlement request history information from the Internet site and transmits the settlement request history confirmation information to the card company server to perform settlement Smart devices;
  • obtains payment request information from the POS terminal generates payment request history information corresponding to the payment request information and provides the payment request history information to the Internet site, directly confirms the user with the authentication information directly obtained through the Internet site, And a credit card
  • the card issuer server can further confirm the user by using the information of the smart device connected to the internet site corresponding to the URL, and such an internet site may further include the advertisement information.
  • the payment system stores card information and URL, and authentication information that enables login to an Internet site corresponding to the URL is set.
  • URL is transmitted to the smart device
  • a URL-NFC payment card that can be used to make payments
  • a POS terminal capable of generating settlement request information corresponding to a settlement request of a user of a URL-NFC settlement card and delivering the settlement request information to a credit card company server and then performing settlement using approval result information obtained from a credit card company server
  • a smart device capable of delivering authentication information entered by a user to a card company server to log in to an internet site to perform settlement;
  • the POS terminal the user is directly confirmed by the authentication information obtained directly via the Internet site, and the approval result information is generated in response to the payment request information and is transmitted to the POS terminal for payment
  • the user directly confirms the user with the authentication information obtained directly by the card issuer server, generates the approval result information corresponding to the settlement request information, and transmits the
  • the payment system stores card information, matches with a URL stored in the URL medium, has authentication information for logging in an Internet site corresponding to the URL, and requests settlement to the POS terminal Can URL-payment cards;
  • a POS terminal capable of generating settlement request information in response to a settlement request of a user of the URL-payment card and delivering the settlement request information to the card company server and then performing settlement using the approval result information obtained from the card company server;
  • a URL medium that stores a URL assigned to a URL-payment card and can perform settlement by delivering the URL to the smart device;
  • the authentication information entered by the user to the Internet site is transmitted to the card company server, and the user confirms the settlement request history information from the Internet site and transmits the settlement request history confirmation information to the card company server to perform settlement Smart devices;
  • obtains the payment request information from the POS terminal generates payment request history information corresponding to the payment request information and provides the payment request history information to the Internet site, directly confirms the user with the authentication information directly obtained through the Internet site, And a credit card company server
  • the payment system stores card information, matches with a URL stored in the URL medium, has authentication information for logging in an Internet site corresponding to the URL, and requests settlement to the POS terminal Can URL-payment cards;
  • a POS terminal capable of generating settlement request information in response to a settlement request of a user of the URL-payment card and delivering the settlement request information to the card company server and then performing settlement using the approval result information obtained from the card company server;
  • a URL medium that stores a URL assigned to a URL-payment card and can perform settlement by delivering the URL to the smart device;
  • a smart device capable of transferring authentication information entered by a user to a card company server to log in to an internet site to perform settlement;
  • the POS terminal the user is directly confirmed by the authentication information obtained directly via the Internet site, and the approval result information is generated in response to the payment request information and is transmitted to the POS terminal for payment After the user requests settlement with the POS terminal, the user directly confirms the user with the authentication information obtained directly by the card issuer server, and transmits the approval result
  • a transaction can be made in which the card company directly confirms the user after requesting payment from the merchant.
  • the credit card company can check the user directly without the payment agent, thereby reducing the fee for the payment agent.
  • the user After the user requests the payment to the merchant, the user can check transaction details on his / her device and provide the user information to the card company, thereby reducing the transaction error.
  • the user can simultaneously provide the user information to a plurality of transactions after the user requests a plurality of payment to the plurality of merchants, so that the payment can be efficiently performed.
  • the user can directly confirm the transaction details and directly provide the user information to the card company to perform the settlement, thereby preventing misuse or theft of the agent.
  • 1 is an embodiment of a payment system configuration of an existing payment card.
  • FIG. 2 is a block diagram of the payment system of Korean Patent No. 10-1751640.
  • FIG. 3 is a view showing a settlement process of the payment system of Korean Patent No. 10-1751640.
  • FIG. 4 is a block diagram of a billing system according to an embodiment of the present invention.
  • FIG. 5 is a view showing a settlement process of the settlement system of FIG.
  • FIG 6 is another embodiment of the configuration of the settlement system according to the present invention.
  • FIG. 7 is a diagram illustrating a settlement process of the settlement system of FIG.
  • URL Uniform Resource Locator
  • NFC Near Field Communication
  • the URL of the present invention can be stored in an NFC chip embedded in a payment card having a payment function or in an NFC chip incorporated in a URL medium which is a separate medium associated with a payment card.
  • 1 is an embodiment of a payment system configuration of an existing payment card.
  • an existing payment system may include a payment card (user) 110 or a POS terminal (merchant 120) or a credit card company (card company) 130.
  • the payment card 110 stores only the card information necessary for payment, and the user requests the payment while providing the card information to the merchant.
  • the merchant 120 transmits the payment request information generated by the card information and the transaction details to the card company server to request payment approval.
  • the card issuer server 130 confirms the payment request information, generates approval result information, and transmits the approval result information to the merchant.
  • the merchant requests the user information from the user.
  • the user transmits the user information by signature, and the card company recognizes the user information indirectly obtained through the merchant and performs payment.
  • card information or user information is provided to a merchant or a payment agent through a phone call or a screen of an electronic device to perform settlement.
  • the existing payment system and the payment method require the user to settle the payment to the merchant, and then indirectly transmit the user information to the credit card company through the merchant or the payment agent to confirm the user and perform settlement.
  • the payment system and payment method of FIG. 1 have the following problems.
  • the card company since the card company indirectly obtains user information through a merchant or a payment agent, it may cause problems such as theft or denial of user information.
  • FIG. 2 is a block diagram of a billing system in which a user directly confirms a user before making a payment request to a merchant
  • FIG. 3 is a diagram illustrating a settlement process of the billing system of FIG.
  • Korean Patent No. 10-1751640 discloses a smart card reader / writer, which includes a URL-NFC payment card (user 210, S310) or a POS terminal (merchant 220, S320) , S340).
  • FIG. 2 and FIG. 4 of the present invention have the same names
  • the object of FIG. 2 is different from the object of FIG. 4 of the present invention
  • the organic operation of elements and operation elements for performing settlement are different.
  • the URL-NFC payment card 210 Before the user requests payment at the merchant, the URL-NFC payment card 210, S3100 transfers the URL to the smart device and accesses the Internet site of the card company server. When the user logs in to the Internet site, .
  • the card company server directly confirms the user with the authentication information and provides the Internet site where the login is accepted, and the user transmits the payment schedule pseudo information to the card company server, which indicates that the user is going to settle within the reference time.
  • the card issuer server generates payment schedule information corresponding to the to-be-paged doctor information and waits for the payment request information to be obtained within the reference time.
  • the user makes a payment request to the merchant using the URL-NFC payment card, and the POS terminal generates payment request information in response to the payment request and transmits it to the card company server.
  • the card issuer server determines whether the settlement request information has arrived within the reference time, generates approval result information, and transmits the approval result information to the merchant.
  • the merchant performs settlement in response to the approval result information.
  • the card company server shown in FIG. 2 and FIG. 3 are integrated into a card company server because the payment server and additional server of Korean Patent No. 10-1751640 are managed and operated by a card company.
  • the card company directly obtains user information and confirms the user before requesting payment to the merchant.
  • the payment system and payment method of FIG. 2 and FIG. 3 have the following problems.
  • a transaction error may occur because the user confirms the user in advance without checking the transaction details.
  • FIG. 4 is a block diagram of a payment system according to the present invention
  • FIG. 5 is a flowchart illustrating a payment process of the payment system of FIG.
  • 4 and 5 illustrate the components including the URL-NFC payment card 410 or S510 or the POS terminals 420 and S520 or the smart devices 430 and S530 or the card issuer servers 440 and S540, 6 and 7, operation elements including information, settlement request information, settlement request history information, settlement request history confirmation information, approval result information, and the like are organically interlocked, S710A or URL media 610B and S710B or POS terminals 620 and S720 or smart devices 630 and S730 or card issuer servers 640 and S740 and authentication information or payment request information or payment
  • the request history information, the settlement request history confirmation information, the approval result information, and the like are organically interlocked to perform settlement.
  • a URL-NFC that stores card information and a URL, authentication information that enables login to an Internet site corresponding to the URL, and a URL to a smart device after requesting payment by a POS terminal, Payment card;
  • a POS terminal capable of generating settlement request information in response to a settlement request of a user of a URL-NFC settlement card and delivering the settlement request information to a credit card company server, acquiring approval result information from a credit card company server, and performing settlement;
  • the authentication information entered by the user to the Internet site is transmitted to the card company server, and the user confirms the settlement request history information from the Internet site and transmits the settlement request history confirmation information to the card company server to perform settlement Smart devices;
  • obtains the settlement request information from the POS terminal generates payment request history information corresponding to the settlement request information and provides the settlement request history information to the Internet site, directly confirms the user with the authentication information directly obtained through the Internet site,
  • a card issuer server capable of generating approval result information in response to information and providing it to the POS terminal to
  • the card issuer server can further confirm the user by using the information of the smart device connected to the internet site, and the internet site can further include the advertisement.
  • Other payment systems and payment methods include storing card information and URLs, setting authentication information to log in to an Internet site corresponding to the URL, requesting payment at the POS terminal, and then transmitting the URL to the smart device
  • a URL-NFC payment card where you can make payments
  • a POS terminal capable of generating settlement request information corresponding to a settlement request of a user of a URL-NFC settlement card and delivering the settlement request information to a card company server and then performing settlement using approval result information obtained from a card company server
  • a smart device capable of transferring authentication information entered by a user to a card company server to log in to an internet site to perform settlement;
  • the POS terminal the user is directly confirmed by the authentication information obtained directly via the Internet site, and the approval result information is generated in response to the payment request information and is transmitted to the POS terminal for payment
  • a payment system including a card company server and a user of a URL-NFC payment card request payment to a POS terminal;
  • the POS terminal generates payment request information in response to the payment request
  • Another payment system and payment method include storing card information, matching with a URL stored in the URL medium, authentication information enabling login to an Internet site corresponding to the URL is set, and a payment is requested to the POS terminal Can URL-payment cards;
  • a POS terminal capable of generating settlement request information corresponding to a settlement request of a user of a URL-payment card and delivering the settlement request information to a card company server and then performing settlement using approval result information obtained from a card company server;
  • a URL medium that stores a URL assigned to a URL-payment card and can perform settlement by delivering the URL to the smart device;
  • the authentication information entered by the user to the Internet site is transmitted to the card company server, and the user confirms the settlement request history information from the Internet site and transmits the settlement request history confirmation information to the card company server to perform settlement Smart devices;
  • obtains the payment request information from the POS terminal generates payment request history information corresponding to the payment request information and provides the payment request history information to the Internet site, directly confirms the user with the authentication information directly obtained through
  • Another payment system and payment method include storing card information, matching with a URL stored in the URL medium, authentication information enabling login to an Internet site corresponding to the URL is set, and a payment is requested to the POS terminal Can URL-payment cards;
  • a POS terminal capable of generating settlement request information corresponding to a settlement request of a user of a URL-payment card and delivering the settlement request information to a card company server and then performing settlement using approval result information obtained from a card company server;
  • a URL medium that stores a URL assigned to a URL-payment card and can perform settlement by delivering the URL to the smart device;
  • a smart device capable of transferring authentication information entered by a user to a card company server to log in to an internet site to perform settlement;
  • the POS terminal acquires the payment request information, directly confirms the user with the authentication information obtained directly via the Internet site, generates the approval result information in response to the payment request information, and transmits the approval result information to the POS terminal to perform settlement
  • a payment system including a card issuer server and
  • the URL-NFC payment cards 410 and S510 store the URLs separately allocated for the card information necessary for payment and the URL-NFC payment card, and authentication information that can be used when logging in to the Internet site corresponding to the URL is set After requesting settlement to the POS terminal, the URL is transferred to the smart device through NFC communication, and the settlement can be performed by organically interlocking with other components and operation elements.
  • the POS terminals 420, S520, 620, and S720 generate payment request information including the card information of the URL-NFC payment card and the transaction details in response to the payment request of the user, And a function of notifying the user of the URL-NFC payment card of the settlement result information, which is a result of the settlement, by performing the settlement using the function of requesting approval of the transaction and the approval result information received from the card company server, It is possible to perform the settlement in cooperation with the constituent elements and the operating elements.
  • the POS terminal (merchant store 120) of FIG. 1 confirms the user, but the POS terminal of the present invention does not identify the user, and the POS terminal (merchant store 220, S320) However, the POS terminal of the present invention requires the user to obtain the user information directly after the user requests the payment to the merchant, and then the payment is performed only after the user confirms the user can do.
  • the smart devices 430, S530, 630, and S730 receive the URL from the URL-NFC payment card through the NFC communication and access the Internet site and the authentication information entered by the user to login to the Internet site are transmitted to the card company server Function and a function of transferring the payment request history confirmation information generated by checking the payment request history information on the Internet site to the card company server and the function of transferring the information of the smart device to the card company server when accessing the Internet site, Can be performed.
  • a smart device is an electronic device including an NFC communication function, a function of exchanging information with a user, and a function of accessing the Internet.
  • a smart phone can be exemplified.
  • a computer or the like connects an auxiliary device for NFC communication, .
  • the card issuer server 440, S540, 640, and S740 has a function of obtaining payment request information from the POS terminal, a function of providing an Internet site corresponding to the URL, and a function of providing authentication information And a function of generating payment request history information in response to the payment request information and providing the payment request history information to the Internet site and obtaining the payment request history confirmation information corresponding to the payment request history information through the Internet site, And a function of providing the POS terminal to the POS terminal.
  • the user can directly confirm the user with the authentication information obtained directly after requesting the POS terminal to settle the payment.
  • Another method in which the card issuer server generates approval result information is to generate approval result information corresponding to the settlement request information and to provide it to the POS terminal only on the fact that the card company server directly confirms the user with the authentication information.
  • the authentication information is secret information set for each URL-NFC payment card that the user memorizes and uses when logging in to the Internet site corresponding to the URL.
  • the authentication information of FIG. 2 may be used before the user requests the payment to the merchant. However, the authentication information of the present invention may be used only after the user requests payment by the merchant.
  • the payment request information is information that is generated by the POS terminal, which is requested to be paid, in correspondence with the card information and transaction details, and transmitted to the card issuer server.
  • the payment request information of FIG. 2 is generated after the card company confirms the user and is used within a certain reference time. However, the payment request information of the present invention is generated before the card company confirms the user and is used without any specific time limit.
  • the payment request history information is information provided by the card company server in response to the payment request information and provided to the Internet site corresponding to the URL so that the user of the URL-NFC payment card can confirm the transaction details.
  • the payment request history confirmation information is information generated by confirming the payment request history information on the Internet site, and is information used to generate approval result information, and the user also directly requests payment to the card company.
  • the approval result information is generated in response to the payment request information or generated in response to the payment request history confirmation information, in which the card company server confirms the user and generates and transmits the generated approval information to the merchant (POS terminal).
  • the approval result information normally operates only when the user makes a payment request to the merchant after confirming the user.
  • the user requests payment to the merchant, It must be confirmed that it works normally.
  • the payment result information is information that is transmitted to the user as a result of the merchant performing settlement using the approval result information.
  • the payment system and the payment method of the present invention are referred to as a 'direct direct confirmation method' because the card company directly obtains the user information and confirms the user directly after the user requests payment from the merchant.
  • This method differs from the method of indirectly acquiring user information and confirming the user after the card issuer requests payment from the merchant in FIG. 1, and before the user of FIG. 2 or 3 requests payment to the merchant, It is different from obtaining the user and confirming the user directly.
  • the dotted line of the card issuer server shows the flow of generating the approval result information without using the settlement request history confirmation information.
  • the card issuer server may be physically divided into a server communicating with the POS terminal and a server communicating with the smart device, but this case also corresponds to a card company server in that it is managed and operated by a credit card company.
  • the information of the smart device is transmitted to the card company server by unique information of the smart device (IP of the smart device, OS serial number, MAC address, device identification information (IMEI, International Mobile Equipment Identity) As smart device information in the present invention.
  • FIG. 6 shows another embodiment of the billing system according to the present invention
  • FIG. 7 shows a settlement process of the billing system of FIG.
  • FIG. 6 shows that the URL-NFC payment card of FIG. 4 is divided into URL-payment card 610A, S710A and URL medium 610B, S710B, and the other components and operation elements are the same.
  • the URL-payment cards 610A and S710A and the URL media 610B and S710B interlock with each other to perform the same functions and operations as the URL-NFC payment card.
  • the URL-payment card stores card information necessary for payment, has a URL assigned thereto, has authentication information for logging into an Internet site corresponding to the URL, and can request payment to the POS terminal.
  • the URL medium may store the URL assigned to the URL-payment card, and deliver the URL to the smart device by NFC communication to perform the payment.
  • payment card 120 POS terminal, electronic payment
  • Card issuer server 210 URL-NFC payment card
  • POS terminal 230 Smart device
  • Card issuer server S310 URL-NFC payment card
  • Card issuer server S510 URL-NFC payment card
  • S710A URL-payment card
  • S710B URL medium

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Abstract

La présente invention concerne un système de paiement et un procédé de paiement avec lesquels, après qu'un utilisateur d'une carte de paiement URL-NFC ou d'une carte de paiement URL demande à un magasin membre (terminal de point de vente) un paiement, un serveur de société de carte réalise un paiement en validant directement l'utilisateur avec des informations d'authentification de la carte de paiement URL-NFC ou de la carte de paiement URL, qui sont directement obtenues par l'intermédiaire d'un site Internet correspondant à une URL. De plus, la présente invention fournit divers services supplémentaires, tels qu'une publicité, au site Internet correspondant à l'URL.
PCT/KR2018/008608 2017-07-28 2018-07-30 Système de paiement et procédé de paiement pour valider directement un utilisateur après qu'une société de carte a reçu une demande de paiement Ceased WO2019022585A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020170096573A KR101941587B1 (ko) 2017-07-28 2017-07-28 카드사가 결제요청을 수신한 후에 사용자를 직접 확인하는 결제시스템 및 결제방법
KR10-2017-0096573 2017-07-28

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WO2019022585A1 true WO2019022585A1 (fr) 2019-01-31

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Cited By (26)

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US12511654B2 (en) 2022-08-08 2025-12-30 Capital One Services, Llc Systems and methods for bypassing contactless payment transaction limit
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US12526149B2 (en) 2018-10-02 2026-01-13 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
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US12288205B2 (en) 2018-09-19 2025-04-29 Capital One Services, Llc Systems and methods for providing card interactions
US12511365B2 (en) 2018-10-02 2025-12-30 Capital One Services, LLC. Systems and methods for cross coupling risk analytics and one-time-passcodes
US12147977B2 (en) 2018-10-02 2024-11-19 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US12489625B2 (en) 2018-10-02 2025-12-02 Capital One Services, Llc Systems and methods of key selection for cryptographic authentication of contactless cards
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US12526149B2 (en) 2018-10-02 2026-01-13 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
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US12505432B2 (en) 2019-03-20 2025-12-23 Capital One Services, Llc NFC mobile currency transfer
US12530674B2 (en) 2019-07-09 2026-01-20 Capital One Services, LLC. System and method enabling mobile near-field communication to update display on a payment card
US12532170B2 (en) 2019-10-02 2026-01-20 Capital One Services, Llc Client device authentication using contactless legacy magnetic stripe data
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US12513123B2 (en) 2020-08-05 2025-12-30 Capital One Services, Llc Systems and methods for controlling secured data transfer via URLs
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US12511654B2 (en) 2022-08-08 2025-12-30 Capital One Services, Llc Systems and methods for bypassing contactless payment transaction limit
US12505450B2 (en) 2022-08-17 2025-12-23 Capital One Services, Llc Systems and methods for dynamic data generation and cryptographic card authentication
US12489747B2 (en) 2022-11-18 2025-12-02 Capital One Services, LLC. Systems and techniques to perform verification operations with wireless communication
US12519652B2 (en) 2023-02-24 2026-01-06 Capital One Services, Llc System and method for dynamic integration of user-provided data with one-time-password authentication cryptogram
US12511640B2 (en) 2023-03-13 2025-12-30 Capital One Services, Llc Systems and methods of managing password using contactless card
US12505448B2 (en) 2023-08-09 2025-12-23 Capital One Services, Llc Systems and methods for fraud prevention in mobile application verification device enrollment process
US12511638B2 (en) 2023-09-07 2025-12-30 Capital One Services, Llc Assignment of near-field communications applets
US12536525B2 (en) 2023-12-05 2026-01-27 Capital One Services, Llc Applets for contactless card activation
US12541667B2 (en) 2024-01-09 2026-02-03 Capital One Services, Llc Generating barcodes utilizing cryptographic techniques
US12536392B2 (en) 2024-02-27 2026-01-27 Capital One Services, Llc Devices and methods for contactless card alignment with a foldable mobile device

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