CARD PAYMENT SYSTEM INCLUDING MOBILE COMMUNICATION TERMINAL AND MOBILE RELAY DEVICE, APPARATUSES IN THE SYSTEM AND METHOD FOR CARD PAYMENT IN THE APPARATUSES

• US 20130325712A1
• Filed: 02/17/2012
• Published: 12/05/2013
• Est. Priority Date: 02/18/2011
• Status: Abandoned Application

• Current Assignee: Harex InfoTech, Inc.
• Original Assignee: Harex InfoTech, Inc.
• Inventors: Park, Kyung Yang, Jung, Hoon Joon, Park, Hyo Jun
• Application Number:
  US13/985,969
• Publication Number:
  US 20130325712A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing

Abstract

Provided is a card payment system. The card payment system includes an affiliated merchant terminal configured to transmit payment-related information including an affiliated merchant ID and a payment amount and a relay device configured to store the payment-related information transmitted from the affiliated merchant terminal in a memory, and provide the payment-related information stored in the memory to a mobile communication terminal of a customer, for a card payment using the mobile communication terminal of the customer. Accordingly, a customer can safely and quickly perform a credit transaction by using a mobile communication terminal of the customer even without presenting a payment card to an affiliated merchant, and moreover perform the credit transaction at a desired place in the affiliated merchant even without unnecessarily moving to a counter or exposing financial information of the customer.

Claims

1. A card payment system comprising:

an affiliated merchant terminal configured to transmit payment-related information comprising an affiliated merchant ID and a payment amount; and

a relay device configured to store the payment-related information transmitted from the affiliated merchant terminal in a memory, and provide the payment-related information stored in the memory to a mobile communication terminal of a customer, for a card payment using the mobile communication terminal of the customer.

2. The card payment system of claim 1, wherein the relay device is fixed to a table.

3. The card payment system of claim 1, wherein when the relay device receives card payment approval information from the affiliated merchant terminal or the mobile communication terminal, the relay device prints a sales check that comprises the payment-related information and the card payment approval information.

4. A relay device for a card payment using a mobile communication terminal, the relay device comprising:

a communicator configured to transmit or receive data;

a storage configured to store data; and

a controller configured to transmit payment-related information to a mobile communication terminal of a customer through the communicator, for performing a card payment using the mobile communication terminal.

5. The relay device of claim 4, wherein the payment-related information to be transmitted to the mobile communication terminal is received from an affiliated merchant terminal through the communicator.

6. The relay device of claim 4, further comprising a printer configured to print a sales check,

wherein when card payment approval information is received through the communicator, the controller controls the printer to generate sales-check data that comprises the payment-related information and the card payment approval information and print a sales check with the generated sales-check data reflected therein.

7. The relay device of claim 4, wherein the payment-related information comprises information on an affiliated merchant ID and a payment amount.

8. The relay device of claim 4, further comprising a display configured to display information,

wherein the controller outputs the payment-related information to the display for the customer to check the payment-related information.

9. The relay device of claim 4, further comprising an input unit configured to receive a key input,

wherein the controller transmits the payment-related information to the mobile communication terminal through the communicator according to a specific key input received through the input unit.

10. A mobile communication terminal for a card payment, the mobile communication terminal comprising:

a communicator configured to comprise one or more communication units for transmitting or receiving data; and

a controller configured to transmit payment card information and payment-related information to an outside through the communicator for requesting an approval of a card payment, the payment-related information being acquired from a relay device.

11. The mobile communication terminal of claim 10, wherein the payment-related information comprises information on an affiliated merchant ID and a payment amount.

12. The mobile communication terminal of claim 10, wherein the payment card information is a unique ID given to a payment card or a payment card name.

13. The mobile communication terminal of claim 10, wherein the controller transmits the payment card information and the payment-related information to a financial company server or a payment gateway through the communicator.

14. The mobile communication terminal of claim 13, further comprising:

an input unit configured to receive a user input; and

a display configured to display information,

wherein the controller outputs one or more pieces of payment card information of a user of the mobile communication terminal to the display, and transmits one piece of payment card information, selected through the input unit from among the one or more pieces of payment card information displayed by the display, to the financial company server or the payment gateway.

15. The mobile communication terminal of claim 14, wherein the controller receives the one or more pieces of payment card information from the financial company server or the payment gateway, and outputs the one or more pieces of payment card information to the display.

16. A payment gateway for a card payment using a mobile communication terminal, the payment gateway comprising:

a communicator configured to comprise one or more communication units for transmitting or receiving data;

a database configured to store one or more pieces of payment card information of each member; and

a controller configured to, when payment-related information comprising an affiliated merchant ID and a payment amount is received from a mobile communication terminal of a member through the communicator, search the database to check corresponding payment card information, and transmit the checked payment card information and the received payment-related information to a corresponding financial company server through the communicator to request an approval of a card payment.

17. The payment gateway of claim 16, wherein the payment card information transmitted to the financial company server is a unique ID given to a payment card.

18. A payment gateway for a card payment using a mobile communication terminal, the payment gateway comprising:

a communicator configured to comprise one or more communication units for transmitting or receiving data;

a database configured to store one or more pieces of payment card information of each member; and

a controller configured to transmit the one or more pieces of payment card information stored in the database to a mobile communication terminal of a corresponding member through the communicator, and transmit one piece of payment card information received from the mobile communication terminal and payment-related information to a corresponding financial company server through the communicator to request an approval of a card payment, the payment-related information comprising an affiliated merchant ID and a payment amount.

19. The payment gateway of claim 18, wherein,

the payment card information received from the mobile communication terminal through the communicator is a unique ID given to a corresponding payment card or a payment card name, and

the payment card information transmitted to the financial company server is a unique ID given to the corresponding payment card.

20. The payment gateway of claim 18, wherein whenever the a payment program of the mobile communication terminal is executed, the controller transmits the one or more pieces of payment card information to the mobile communication terminal through the communicator.

21. A method of supporting a card payment using a mobile communication terminal in a relay device, the method comprising:

receiving payment-related information, comprising an affiliated merchant ID and a payment amount, from an affiliated merchant terminal;

storing the received payment-related information in a memory;

displaying the payment-related information on a screen; and

transmitting the payment-related information stored in the memory to a mobile communication terminal of a customer, for a card payment using the mobile communication terminal of the customer.

22. The method of claim 21, further comprising:

receiving card payment approval information corresponding to the payment-related information from the affiliated merchant terminal; and

printing a sales check that comprises the payment-related information and the card payment approval information.

23. A method of supporting a card payment using a mobile communication terminal in a relay device, the method comprising:

receiving a payment amount from a user; and

transmitting payment-related information, comprising an affiliated merchant ID and the received payment amount, to a mobile communication terminal of a customer, for a card payment using the mobile communication terminal.

24. The method of claim 23, further comprising receiving the affiliated merchant ID.

25. The method of claim 23, wherein the affiliated merchant ID is previously stored in a memory.

26. A card payment method of a mobile communication terminal, the card payment method comprising:

receiving payment-related information, comprising an affiliated merchant ID and a payment amount, from a relay device;

displaying one or more pieces of payment card information of a user of a mobile communication terminal; and

transmitting one piece of payment card information, selected by the user from among the displayed one or more pieces of payment card information, and the payment-related information to a payment gateway, for requesting an approval of a card payment.

27. The card payment method of claim 26, further comprising receiving the one or more pieces of payment card information of the user from the payment gateway,

wherein the displaying comprises displaying the one or more pieces of payment card information received from the payment gateway.

28. The card payment method of claim 26, further comprising requesting an input of an authentication code of the selected payment card,

wherein the transmitting comprises further transmitting the input authentication code to the payment gateway.

29. The card payment method of claim 26, wherein in the transmitting, the payment card information and the payment-related information are separately transmitted.

30. The card payment method of claim 26, wherein the payment-related information transmitted to the payment gateway is a unique ID given to a payment card or a payment card name.

31. A method of supporting a card payment using a mobile communication terminal in a payment gateway, the method comprising:

receiving payment-related information, comprising an affiliated merchant ID and a payment amount, from a mobile communication terminal of a member which desires a card payment;

when the payment-related information is received, searching a database to find payment card information of the member; and

transmitting the received payment-related information and the found payment card information to a corresponding financial company server to request an approval of a card payment.

32. The method of claim 31, wherein the payment card information transmitted to the financial company server issuing a payment card is a unique ID given to the payment card.

33. A method of supporting a card payment using a mobile communication terminal in a payment gateway, the method comprising:

searching a database to find payment card information of a member which desires a card payment;

transmitting one or more pieces of the found payment card information to a mobile communication terminal of the member;

receiving payment card information, selected by the member from among the one or more pieces of payment card information, and payment-related information from the mobile communication terminal, the payment-related information comprising an affiliated merchant ID and a payment amount; and

transmitting the received payment card information and payment-related information to a corresponding financial company server.

34. The method of claim 33, wherein the selected payment card information and the payment-related information are separately received.

35. The method of claim 33, wherein,

the payment card information transmitted to the mobile communication terminal comprises a payment card list, and

the payment card information transmitted to the financial company server comprises a unique ID given to a corresponding payment card.

36. The method of claim 33, wherein the transmitting to a corresponding financial company server comprises further transmitting an authentication code of the selected payment card, received from the mobile communication terminal, to the financial company server, for an authentication in the financial company server.

37. The method of claim 33, further comprising authenticating an authentication code of the selected payment card received from the mobile communication terminal,

wherein when the authentication succeeds, the payment-related information is received from the mobile communication terminal.

38. The method of claim 33, further comprising authenticating an authentication code of the selected payment card received from the mobile communication terminal,

wherein the transmitting to a corresponding financial company server is performed when the authentication succeeds.