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PAYMENT RELAY SYSTEM AND METHOD

  • US 20150066745A1
  • Filed: 10/24/2012
  • Published: 03/05/2015
  • Est. Priority Date: 05/11/2012
  • Status: Abandoned Application
First Claim
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1. A payment relay system comprising:

  • a financial institution registration module that is configured to register financial institution information including a card company name or a bank name and a card name or a bank account name of a user of a mobile terminal, and phone information matched with the financial institution information, the phone information including user login information or a phone number of the user mobile terminal;

    an access relay module that is configured to provide the mobile terminal with an interface screen, on which a list of cards or bank accounts useable for a payment is displayed for user selection, and an access path toward a card company or bank selected by the user, when the mobile terminal logs in for the payment; and

    an online ID management module that is configured to request for card information related to an online ID having a specific key value, corresponding to one selected credit card or bank account, from a financial institution server of the selected card or bank account, and acquire the key value of the online ID generated in the financial institution server in response to the request, when the one credit card or bank account is selected by the user of the mobile terminal from the list of cards or bank accounts displayed on the interface screen,wherein the access relay module allows the mobile terminal to substitute the online ID for one of the credit card and the bank account to execute the payment through the access path provided.

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