DISCOUNT PAYMENT METHOD AND SYSTEM USING A TEMPORARY CARD NUMBER

• US 20110078079A1
• Filed: 07/25/2007
• Published: 03/31/2011
• Est. Priority Date: 02/23/2007
• Status: Active Grant

• Current Assignee: SK Planet Co., Ltd. (SK Telecom Co., Ltd.)
• Original Assignee: SK Telecom Co., Ltd.
• Inventors: Shin, Ji-Hoon
• Granted Patent: US 8,447,647 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/351 Virtual cards
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 20/40 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
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]

Abstract

Disclosed is a method and system for making payment with discounted prices by using temporary card numbers. The method comprises the steps of: (a) at least one discount means being selected by a user of a mobile terminal, and the mobile terminal transmitting temporary card number issue information including the selected discount means to a temporary card number issue device, wherein the mobile terminal in advance stores a plurality of discount means that can substantially discount a transacted price; (b) the temporary card number issue device selecting and storing temporary card numbers corresponding to the temporary card number issue information and transmitting the selected temporary card numbers to the mobile terminal; (c) the mobile terminal transmitting payment information including the temporary card numbers and payment means information including information on a payment means for paying the transacted price to a credit authorization terminal (CAT) if a payment request is received from the user only for a predetermined time period from when the temporary card numbers are received, and extinguishing the temporary card numbers after the predetermined time period from when the temporary card numbers are received; and (d) the CAT receiving the payment information from the mobile terminal, transmitting a request for a transaction authorization to the payment company server by using the payment information, and receiving the transaction authorization from the payment company server. Thus, according to the present invention, it is more easy and convenient to making payment by using coupons.

Claims

1. A method for making payment with discounted prices by using temporary card numbers, the method comprising the steps of:

(a) at least one discount means being selected by a user of a mobile terminal, and the mobile terminal transmitting temporary card number issue information including the selected discount means to a temporary card number issue device, wherein the mobile terminal in advance stores a plurality of discount means that can substantially discount a transacted price;

(b) the temporary card number issue device selecting and storing temporary card numbers corresponding to the temporary card number issue information and transmitting the selected temporary card numbers to the mobile terminal;

(c) the mobile terminal transmitting payment information including the temporary card numbers and payment means information including information on a payment means for paying the transacted price to a credit authorization terminal (CAT) if a payment request is received from the user only for a predetermined time period from when the temporary card numbers are received, and extinguishing the temporary card numbers after the predetermined time period from when the temporary card numbers are received; and

(d) the CAT receiving the payment information from the mobile terminal, transmitting a request for a transaction authorization to the payment company server by using the payment information, and receiving the transaction authorization from the payment company server.

2. The method according to claim 1, wherein the discount means comprises coupons, points, mileage, and cyber cash.

3. The method according to claim 1, wherein the temporary card number issue information comprises the selected discount means, information on the user of the mobile terminal, and transaction information,

wherein the temporary card number management database, which the temporary card number issue device includes, comprises temporary card numbers, telephone numbers of the user, residence registration numbers, a discounted amount, a payment amount, a transaction date, a store code, and a discount means code.

4. The method according to claim 1, wherein the payment means comprises a credit card, a debit card, and electronic money.

5. The method according to claim 1, wherein in the step of (d), the CAT further receives settlement information including discount information, in addition to the transaction authorization from the payment company server.

6. A method for making payment with discounted prices by using temporary card numbers, the method comprising the steps of:

(a) a mobile terminal receiving location information of the mobile terminal from a location information system and transmitting a request for a location-based discount means including the location information to a discount means management device which manages the discount means that can substantially discount a transacted price;

(b) the discount means management device transmitting at least one discount means of at least one store corresponding to the location information to the mobile terminal in response to the request for the location-based discount means;

(c) the mobile terminal displaying the at least one discount means for the user of the mobile terminal to select at least one discount means, and transmitting to the temporary card number issue device temporary card number issue information which is necessary for issuing temporary card numbers and includes the selected discount means;

(d) the temporary card number issue device selecting and storing temporary card numbers corresponding to the temporary card number issue information, and transmitting the selected temporary card numbers to the mobile terminal;

(e) the mobile terminal transmitting payment information including the temporary card numbers and payment means information including information on a payment means for paying the transacted price to a credit authorization terminal (CAT) if a payment request is received from the user only for a predetermined time period from when the temporary card numbers are received, and extinguishing the temporary card numbers after the predetermined time period from when the temporary card numbers are received; and

(f) the CAT receiving the payment information from the mobile terminal, transmitting a request for authorization of a transaction to the payment company server by using the payment information, and receiving the authorization of the transaction from the payment company server.

7. The method according to claim 6, wherein the location information system comprises a location information provision system based on a base station, a Global Positioning System (GPS) system, or a sensor network.

8. The method according to claim 6, wherein the discount means comprises coupons, points, mileage, and cyber cash.

9. The method according to claim 6, wherein the discount means management device comprises a location-based discount means manager and a location-based discount means database,

wherein the location-based discount means database includes a database of information on stores for each region and a database of information on a discount means for each store.

10. The method according to claim 9, wherein the database of information on stores for each region comprises a region code, a store code, store contact information, and information on whether the discount means is valid, and the database of information on a discount means for each store comprises a store code, a discount means code, a validity period of the discount means, a title of the discount means, and the discounted amount.

11. The method according to claim 6, wherein the temporary card number issue information comprises the selected location-based discount means, information on the user of the mobile terminal, and transaction information,

wherein a temporary card number management database which the temporary card number issue device includes comprises temporary card numbers, telephone numbers of the user, residence registration numbers, the discounted amount, a payment amount, a transaction date, store code, and discount means code.

12. The method according to claim 6, wherein the payment means comprises a credit card, a debit card, and electronic money.

13. The method according to claim 6, wherein in the step of (f), the CAT further receives settlement information including discount information, in addition to the transaction authorization from the payment company server.

14. A system for making payment with discounted prices by using temporary card numbers, the system comprising:

a mobile terminal which a consumer uses;

a temporary card number issue device for issuing temporary card numbers;

a credit authorization terminal (CAT) which a seller uses; and

a payment company server for performing a transaction authorization,

wherein at least one discount means is selected by the user of the mobile terminal, the mobile terminal in advance storing a plurality of discount means that can substantially discount a transacted price, and the mobile terminal transmits temporary card number issue information including the selected discount means to the temporary card number issue device, receives the temporary card numbers from the temporary card number issue device, transmits payment information including the temporary card numbers and payment means information including information on a payment means for paying the transacted price to a credit authorization terminal (CAT) if a payment request is received from the user only for a predetermined time period from when the temporary card numbers are received, and extinguishes the temporary card numbers after the predetermined time period from when the temporary card numbers are received,

wherein the temporary card number issue device selects and stores temporary card numbers corresponding to the temporary card number issue information, and transmits the selected temporary card numbers to the mobile terminal, and

wherein the CAT receives the payment information from the mobile terminal, transmits a request for a transaction authorization to the payment company server by using the payment information, and receives the transaction authorization from the payment company server.

15. The system according to claim 14, wherein the discount means comprises coupons, points, mileage, and cyber cash.

16. The system according to claim 14, wherein the payment means comprises a credit card, a debit card, and electronic money.

17. The system according to claim 14, wherein the temporary card number issue information comprises the selected discount means, information on a user of the mobile terminal, and transaction information,

wherein a temporary card number management database which the temporary card number issue device includes comprises temporary card numbers, telephone numbers of the user, residence registration numbers, the discounted amount, a payment amount, transaction date, store code, and discount means code.

18. The system according to claim 14, wherein the CAT further receives the settlement information including discount information in addition to the transaction authorization from the payment company server.

19. A system for making payment with discounted prices by using temporary card numbers, the system comprising:

a mobile terminal which a consumer uses;

a location information system for generating location information of the mobile terminal to provide the generated location information to the mobile terminal;

a discount means management device for managing a discount means that can substantially discount a transacted price;

a temporary card number issue device for issuing temporary card numbers;

a credit authorization terminal (CAT) which a seller uses; and

a payment company server for performing a transaction authorization,

wherein the mobile terminal requests a location-based discount means including location information of the mobile terminal to the discount means management device, receives at least one location-based discount means from the discount means management device, at least one discount means among the location-based discount means is selected by the user of the mobile terminal, the mobile terminal transmits temporary card number issue information including the selected discount means to the temporary card number issue device, receives the temporary card numbers from the temporary card number issue device, transmits payment information including the temporary card numbers and payment means information including information on a payment means for paying the transacted price to a credit authorization terminal (CAT) if a payment request is received from the user only for a predetermined time period from when the temporary card numbers are received, and extinguishes the temporary card numbers after the predetermined time period from when the temporary card numbers are received,

wherein the discount means management device transmits at least one location-based discount means of at least one store corresponding to the location information to the mobile terminal in response to the request for the location-based discount means of the mobile terminal,

wherein the temporary card number issue device selects and stores temporary card numbers corresponding to the temporary card number issue information, and transmits the selected temporary card numbers to the mobile terminal, and

wherein the CAT receives the payment information from the mobile terminal, transmits a request for a transaction authorization to the payment company server by using the payment information, and receives the transaction authorization from the payment company server.

20. The system according to claim 19, wherein the location information system comprises a location information provision system based on a base station, a Global Positioning System (GPS) system, and a sensor network.

21. The system according to claim 19, wherein the discount means comprises coupons, points, mileage, and cyber cash.

22. The system according to claim 19, wherein the discount means management device comprises a location-based discount means manager and a location-based discount means database,

wherein the location-based discount means database includes database of information on stores for each region and database of information on a discount means for each store.

23. The system according to claim 22, wherein the database of information on stores for each region comprises a region code, a store code, store contact information, and information on whether the discount means is valid, and the database of information on a discount means for each store comprises a store code, a discount means code, a validity period of the discount means, a title of the discount means, and a discounted amount.

24. The system according to claim 19, wherein the temporary card number issue information comprises the selected discount means, information on the user of the mobile terminal, and transaction information,

wherein a temporary card number management database which the temporary card number issue device includes comprises temporary card numbers, telephone numbers of the user, residence registration numbers, a discounted amount, a payment amount, a transaction date, a store code, and a discount means code.

25. The system according to claim 19, wherein the payment means comprises a credit card, a debit card, and electronic money.

26. The system according to claim 19, wherein the CAT further receives settlement information including discount information in addition to the authorization of the transaction from the payment company server.