ON-LINE CREDIT CARD PAYMENT SYSTEM USING MOBILE TERMINAL AND PAYMENT METHOD THEREOF

• US 20170068950A1
• Filed: 12/28/2015
• Published: 03/09/2017
• Est. Priority Date: 09/03/2015
• Status: Abandoned Application

• Current Assignee: NHN Payco Corporation
• Original Assignee: NHN Entertainment Corporation
• Inventors: KWON, Eun Jin
• Application Number:
  US14/980,814
• Publication Number:
  US 20170068950A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes

Abstract

An on-line credit card payment includes a user terminal to access a shopping mall server and select at least one commodity information transmitted by the shopping mall server and request payment based on the selected commodity information; a payment server configured to receive a payment signal according to the payment request from the shopping mall server, and generate a push message corresponding to the payment signal; a mobile terminal configured to receive the push message and including a payment application which automatically operates in response to receipt of the push message; a value added network (VAN) company server configured to transmit a one-time card number (OTC) from the mobile terminal to the payment server, and extract a card number by receiving a block data of a credit card corresponding to the OTC from the payment server; and a card company server configured to approve the credit card payment.

Claims

1. An on-line credit card payment system using a mobile terminal comprising:

a user terminal configured to access a shopping mall server and select at least one commodity information transmitted by the shopping mall server, and request payment based on the selected commodity information;

a payment server configured to receive a payment signal according to the payment request from the shopping mall server, and generate a push message corresponding to the payment signal;

the mobile terminal configured to receive the push message, the mobile terminal comprising a payment application which automatically operates in response to receipt of the push message;

a value added network (VAN) company server configured to transmit a one-time card number (OTC) from the mobile terminal to the payment server, and extract a card number by receiving a block data of a credit card corresponding to the OTC from the payment server; and

a card company server configured to approve the credit card payment by receiving the card number and information in the payment signal from the VAN company server.

2. The on-line credit card payment system of claim 1, wherein the mobile terminal comprises:

a NFC module configured to extract an identification information from the credit card in response to the credit card being tagged to the mobile terminal;

an application driver configured to drive the payment application in response to receiving the push message from the payment server; and

an authentication information processor configured to request an access key for the credit card by transmitting a first chip ID of the credit card received by tagging the credit card.

3. The on-line credit card payment system of claim 2, wherein the authentication information processor extracts block data of the credit card, and transfers the block data and requests the OTC to the payment server, the authentication information processor transferring payment request information and the OTC received from the payment server to the VAN company server.

4. The on-line credit card payment system of claim 1, wherein the payment server comprises:

a payment information receiver configured to receive the payment signal from the shopping server;

a push message transmitter configured to generate the push message and transmit the push message to the mobile terminal;

an authentication signal generator configured to generate an access key corresponding to the block data of the credit card having a first chip ID and the OTC of the credit card, and transmit the OTC to the mobile terminal; and

a validation verifier configured to verify validation of the credit card with a validation result in response to requesting transmitting the OTC and the block data transferred from the mobile terminal, and order the authentication signal generator to generate the OTC in response to the validation result.

5. The on-line credit card payment system of claim 4, wherein the validation verifier extracts a second chip ID from a first block data of the block data, and compares the second chip ID with the first chip ID, the validation verifier determining the credit card is valid when the second chip ID is same as the first chip ID.

6. The on-line credit card payment system of claim 1, wherein the payment application configures display of the mobile terminal to an NFC tagging screen in response to the payment application being automatically operated.

7. A payment method using a mobile terminal comprising:

selecting at least one commodity information transmitted by a shopping mall server accessed by a user terminal, and requesting payment corresponding to the selected commodity information;

receiving a payment signal corresponding to the payment request from the shopping mall server, and generating a push message corresponding to the payment signal;

receiving the push message and operating a payment application automatically in response to receipt of the push message;

extracting information of a credit card in response to tagging the credit card to the mobile terminal;

extracting a card number through a one-time card number (OTC) of the credit card transmitted from the mobile terminal; and

approving credit card payment corresponding to the payment request by using the card number and information in the payment signal.

8. The payment method of claim 7, wherein the payment application configures display of the mobile terminal to a near field communication (NFC) tagging screen in response to the payment application being automatically operated.

9. A payment method using a mobile terminal comprising:

selecting at least one commodity information transmitted by a shopping mall server accessed by a user terminal, and requesting payment corresponding to the selected commodity information;

receiving a payment signal corresponding to the payment request from the shopping mall server, and generating a push message by a payment server corresponding to the payment signal;

tagging the mobile terminal to a credit card storing a block data comprising a chip ID and a first block data;

transmitting the block data to the payment server by receiving the block data of the credit card in response to the tagging, and requesting assignment of a one-time card number (OTC) to the payment server;

requesting payment to a value added network (VAN) company server by adding a purchase item to the OTC;

requesting the block data to the payment server by using the OTC, and extracting a card number of the credit card from the block data, requesting approval of payment by transmitting the card number and the purchase item to a card company server.

10. The payment method of claim 9, wherein step of the requesting assignment of the OTC comprises:

transmitting a first chip ID extracted from the credit card by the mobile terminal to the payment server, and requesting an access key for the credit card;

transmitting the block data extracted from the credit card by the access key to the payment server, and requesting assignment of the OTC.

11. The payment method of claim 10, wherein step of the requesting assignment of the OTC comprises:

extracting a second chip ID by decoding the first chip ID of the block data transferred by the mobile terminal;

verifying validity of the credit card by comparing the first chip ID with the second chip ID.

12. The payment method of claim 9, wherein a payment application configures a display of the mobile terminal to a near field communication (NFC) tagging screen in response to the payment application being automatically operated.

13. A mobile terminal comprising:

a near field communication (NFC) module configured to extract an identification information of a credit card by tagging the credit card to the mobile terminal;

an application driver configured to drive a payment application in response to receiving a push message from a payment server; and

an authentication information processor configured to receive and process authentication information of the credit card by tagging the credit card,

wherein an NFC tagging screen used to tag the credit card is displayed in response to operation of the payment application.

14. The mobile terminal of claim 13, wherein the authentication information processor requests an access key for the credit card by transmitting a first chip ID of the credit card received in response to tagging the credit card.

15. The mobile terminal of claim 14, wherein the authentication information processor extracts block data of the credit card, and transfers the block data and requests a one-time card number (OTC) to the payment server, the authentication information processor transferring payment request information and the OTC received from the payment server to a value added network (VAN) company server.

16. A payment server comprising:

a push message transmitter configured to generate a push message and transmit the push message to a mobile terminal;

an authentication signal generator configured to generate an access key corresponding to block data of a credit card having a first chip ID and a one-time card number (OTC) of the credit card, and transmit the OTC to the mobile terminal; and

a validation verifier configured to verify validation of the credit card with a validation result in response to requesting transmitting of the OTC and the block data transferred from the mobile terminal, and order the authentication signal generator to generate the OTC in response to the validation result.

17. The payment server of claim 16, wherein the validation verifier extracts a second chip ID from a first block data of the block data, and compares the second chip ID with the first chip ID, the validation verifier determining the credit card is valid when the second chip ID is same as the first chip ID.