KR20160085196A - Mobile simple payment system using payment authentication call and bank identification number, and method thereof - Google Patents

Abstract

The present invention relates to a mobile payment system using a mobile communication terminal and a method thereof. Particularly, the present invention relates to a credit card company direct mobile easy payment system using a bank identification number and a method thereof capable of conveniently carrying on mobile payment by just using at least one among a BIN payment password, card PIN and CVC, which are predetermined in pursuit of authentication to a payment service which is directly served by a credit card company, by just using a BIN number of a credit card issued without a direct input of credit card information when payment, without saving credit card information such as the card number, expiration date, CVC, and PIN to the server of a payment gateway company or a merchant server of an online shopping mall.

Description

Technical Field [0001] The present invention relates to a credit card direct payment system and method using a bank identification number,

The present invention relates to a mobile payment system and method using a mobile communication terminal, and more particularly, to a mobile payment system and method using a mobile communication terminal, The card information is not stored in a server of a payment gateway company (hereinafter referred to as "PG company") or a merchant server of an online shopping mall, (Hereinafter referred to as "BIN" or "BIN" number) and set a Personal Identification Number (hereinafter referred to as "PIN" Quot;) and a bank identification number that can easily perform mobile settlement by using a bank identification number.

In general, online electronic commerce based on a personal computer (PC) has been popularized. Recently, with the spread of smart phones, mobile electronic commerce using a smart phone has been rapidly activated, and accordingly, mobile electronic financial settlement and account transfer Technology is being commercialized.

In an electronic financial settlement method using a credit card as a payment method, a real card is brought close to a smart phone or a digitized card is used as a smartphone or a PG, a token issuer, a certification authority, a Value Added Network Company (Hereinafter referred to as "VAN company") or the like, or may be stored in a server of a payment service provider that relays a network service, thereby facilitating settlement.

1 is a diagram showing a configuration of a conventional mobile settlement system.

Referring to FIG. 1, the mobile payment system includes a merchant server unit 10, a PG company server 20, a VAN company server 30, and a credit card company system 40.

The merchant server unit 10 is a system for providing services based on at least one of web and applications requiring payment, such as an Internet shopping mall, and provides payment user interface means for payment upon payment request.

The PG company server 20 is a system for making payment on the basis of web and application, and generates transaction special for credit card payment and provides the created transaction special to the VAN company server 30, 30) to perform credit card settlement through the card issuer system (40).

At this time, the PG company server 20 stores card information such as a card number and an expiration date, and provides a payment authentication means or a personal authentication means that is mapped to the card information.

As described above, the conventional mobile payment system stores the card information in the PG server, which is a third party rather than a card issuing card issuing company, so that there is a further security problem. In terms of employee security management, the risk of card information leakage to a third party or system security management risks such as hacking or smacking by a hacker is higher than that of a card issuer. .

Due to such a problem, a mobile payment system led by a card company such as an app card has been developed and applied. However, this also requires authentication through a third certification authority, And the same problem as that in the case of using PG company is generated.

Such multi-level electronic settlement and authentication procedures such as PG, VAN, third-party certification authority, token issuer and the like should eventually increase and enhance the security of server security and communication section, Increase and distribution of profit is necessary. As a result, there is a problem that the risk and cost burden of the customer is increased, and in some cases, the customer may be directly charged for the certification fee.

In other words, since important card information of the user, which is the subject of use of the card, is also stored in the third party besides the card issuer, which is the issuing entity, and there is room for malicious taking of the card information during the registration process There is a problem.

Accordingly, it is an object of the present invention to provide a credit card system which does not store card information such as a credit card number, a valid period, a CSC, a card password, etc. of a credit card in a merchant server such as a PG server or an online shopping mall, A card company direct mobile billing system and method using a bank identification number that allows only the BIN number of the issued card to be used and a mobile payment can be easily performed using the PIN set by the card company in the payment service provided by the card company for the purpose of authentication .

According to another aspect of the present invention, there is provided a credit card direct mobile billing system using a bank identification number, comprising: a mobile communication terminal having a terminal identification information including a telephone number; The mobile terminal determines whether the customer selects the BIN number settlement service as the payment means. If the BIN number settlement service is selected, the name of the customer and the terminal identification information of the mobile communication terminal are obtained, A merchant server unit for transmitting a payment interlocking processing request signal including terminal identification information; A personal identification information (PIN) input through a formed voice line is mapped with terminal identification information of the mobile communication terminal and stored, and when the BIN payment service authentication is performed, The terminal receives the PIN through the line and compares the received PIN with a pre-registered PIN to perform authentication based on the mobile communication terminal and PIN based knowledge base authentication. When the BIN number payment service is registered and the service is performed, A payment authentication call server unit for providing an authentication result value for the PIN; When receiving the payment interlocking processing request signal, selects a customer card company from the customer through the mobile communication terminal, transmits the mobile communication terminal access information to the selected card company, A BIN server for generating and transmitting a registration message when the BIN number payment service is registered, and generating and transmitting a usage message if the authentication result value is successful in the BIN number payment service; And a system corresponding to the selected card company, wherein upon receiving the mobile communication terminal connection information from the BIN server, the mobile communication terminal accesses the mobile communication terminal, receives the login information, logs in the customer, A PIN number for the BIN number selected from the mobile communication terminal through the payment authentication call server unit and mapping the PIN to the BIN number and the BIN number, The PIN code, and the PIN, and upon completion of the registration of the BIN number settlement service, receives the authentication result value for the BIN number selected from the payment authentication call server unit upon request of the BIN number settlement service, If successful, compare the above use professional with the above registration professional, A it characterized in that it comprises a credit card company system to complete.

Upon receipt of the mobile terminal access information from the BIN server, accesses the mobile communication terminal, receives the login information, logs in the client, and provides a list of BIN numbers for the card of the cardholder corresponding to the login information A card issuer management server for requesting a card selection by the card issuer and selecting one BIN number and transmitting BIN card information including the BIN number; And receiving the usage information including the PIN for the BIN number and the BIN number selected at the time of requesting the BIN number settlement service, And a card company payment server for comparing the registration telegrams with respect to the registered BIN number and generating a transaction special if it matches, processing the payment approval by the created transaction specialist, and performing payment completion processing upon completion of the payment approval processing .

The settlement authentication call server unit applies one or more of the terminal identification information and the PIN after storing the terminal identification information and the PIN at the time of registering the BIN number settlement service to register the registration key A as the authentication result value at the time of registration The terminal identification information requesting the BIN number settlement service in the BIN number settlement service, and the PIN obtained from the customer, and storing the terminal identification information as the authentication result value in the BIN number settlement service after storing the PIN, (B) reflecting the same key generation algorithm element applied to the registration key generation among the PINs and the PIN, the BIN server includes the registration key (A) in the registration dictionary, and the use key (B) and the registration key (A) in the BIN number settlement service match the key generation algorithm symmetry of the registration key And performs the authentication according to whether or not the authentication is successful, and performs the BIN number settlement service when the authentication is successful.

The card issuer management server provides the identity authentication means to the mobile communication terminal after the login to transmit the identity authentication information received from the mobile communication terminal to the corresponding identity authentication authority to further perform the identity authentication, Value to the card issuer payment server and the BIN server by including the value in the BIN card information, and the BIN server includes the identity verification result value in the registration special and the use special.

The card company management server receives BIN card information including at least one of a card password and a CVC in response to the card selection request at the time of successful authentication of the identity card from the mobile communication terminal and obtains a BIN number And the card information including one of the card number, the expiration date, the card password, and the CVC, and the card information stored in advance are compared with each other, .

The BIN server may determine whether to establish a call path by making a mobile call reference call to the mobile communication terminal to form a call path between the mobile communication terminal and the payment authentication call server unit, Requesting the mobile communication terminal to select whether to form a call path upon receipt of a call from the mobile communication terminal, and transmit originating request information including terminal identification information of the mobile communication terminal to the payment authentication call server when the call reception request is received from the mobile communication terminal, When the communication terminal selects the call origination, the call is made to the payment authentication call server unit of the telephone number of the selected card company stored in advance, and when the call termination is selected, the call termination request is transmitted to the BIN server, When a call request is generated by the customer when a call is received from the payment authentication call server unit, It characterized in that it forms a beobu and money.

According to another aspect of the present invention, there is provided a simple card direct mobile payment method using a bank identification number according to the present invention, wherein the merchant server unit determines whether a customer selects a BIN number settlement service through a mobile communication terminal, A payment interlocking requesting step of obtaining a name and terminal identification information for the customer and transmitting a payment interlocking processing request signal including the name and terminal identification information of the customer when the payment service is selected; A subscriber determining step of determining, by referring to the BIN number settlement service subscriber information in which the BIN server is stored in advance, whether the customer of the mobile communication terminal and the name is a BIN number settlement service subscriber; If the customer is not a BIN number settlement service subscriber, the BIN server receives the PIN from the mobile communication terminal through the call line, which is a voice line formed through the settlement authentication call server, registers the PIN in the settlement authentication call server unit, Connecting the corresponding card issuer system and the mobile communication terminal, selecting one of at least one BIN number for the card issued by the card issuer and registering at least the BIN number and the terminal identification information of the mobile communication terminal A BIN number settlement service registering step of generating a banknote and storing it in the credit card company system; And if the customer is a BIN number settlement service subscriber, the BIN server receives the card company and BIN number from the mobile communication terminal, forms a call path between the mobile communication terminal and the payment authentication call server unit, Receiving the authentication result value according to whether or not the PIN input from the customer is identical with the PIN registered in advance through the terminal and generating a usage message and transmitting the message to the credit card company system, And a BIN number settlement service process for completing a settlement approval and settlement process when the registration specialist agrees.

In the BIN number settlement service registration process, when the BIN server receives the payment interlock processing request signal, the BIN server selects a card company from the customer through the mobile communication terminal and transmits the connection information to the card company system of the selected card company, A connection step of connecting the mobile communication terminal; The mobile communication terminal transmits the login information to the card company system after logging in to the card company system, logs in, receives and displays a list of BIN numbers for the card owner's card corresponding to the login information, A BIN selection step of selecting a BIN number of the BIN number and transmitting the selected BIN number to the credit card company system; Requesting formation of a call to the BIN server by the credit card company system; The BIN server relaying formation of a call between the mobile communication terminal and the settlement authentication call server unit; The payment authentication call server having a call connection requesting the mobile communication terminal to input the PIN through the established communication path, receiving the PIN, mapping the terminal identification information of the mobile communication terminal, storing the PIN, A PIN setting step of transmitting a registration authentication result value generated by reflecting the identification information and the BIN number; Generating a registration message including the authentication result value, the BIN number, and the terminal identification information, and transmitting the registration message to the card company system; And a registration completion step of registering the customer with the BIN number settlement service subscriber by receiving and storing the registration special in the card company system.

The BIN number settlement service process includes: obtaining a BIN number when the BIN server receives a card company and a BIN number from the mobile communication terminal when the customer is a BIN number settlement service subscriber; The BIN server relaying formation of a call between the mobile communication terminal and the settlement authentication call server unit; The payment authentication call server configured to communicate with the mobile communication terminal determines whether or not the PIN input from the mobile communication terminal and the PIN registered in advance are identical to each other, Generating an authentication result value generated by reflecting the BIN number and transmitting the generated authentication result value to the BIN server; An authentication result value authentication step in which the BIN server compares the use authentication result value with the registration authentication result value and performs authentication according to the match; If the authentication result value is successfully authenticated, generating the usage text and transmitting the usage text to the card company system; And a payment completion step of causing the credit card company system to complete the payment approval and settlement processing when the registration details registered in advance are received upon receiving the use specialization.

The BIN selection step may include: a login step of transmitting the login information to the card company system after the mobile communication terminal connects with the card company system and logging in; When the mobile communication terminal is logged in, the credit card company system provides authentication means to the mobile communication terminal to transmit the authentication information received from the mobile communication terminal to the corresponding authentication authority, thereby further performing authentication of the identity, An authentication step provided to the terminal; And a BIN number of a card of a cardholder corresponding to the login information corresponding to the login information from the card issuer system, displaying a BIN number selected by the customer, and transmitting the selected BIN number to the card company system And a providing step.

The BIN selection step may include receiving BIN card information further including at least one of a card password and a CVC for a selected BIN number in response to the card selection request at a BIN number providing step Detects the entire card number and valid period for the BIN number included in the BIN card information, compares the card information including one of the card password and the CVC with the card information stored in advance, And an occupancy authentication step of performing the occupancy authentication step.

In the call formation relay step, the BIN server establishes a call path by making a call origination call to the mobile communication terminal to form a call path between the mobile communication terminal and the settlement authentication call server unit, Requesting a call connection method selection request for requesting to select whether to receive a call from the reference settlement authentication call server unit and form a call path; When the mobile communication terminal selects the call origination, the mobile communication terminal makes a call to the payment authentication call server section of the telephone number of the selected card company stored in advance, forms a call path, and selects a call reception, Selecting a connection method to the sending currency; A server unit origination request step of, when the BIN server receives a call reception request from the mobile communication terminal, transmitting originating request information including terminal identification information of the mobile communication terminal to the payment authorization call server unit; And forming a server call conversation in which the payment authentication call server transmits the call to the mobile communication terminal and the mobile communication terminal establishes a call route when the mobile communication terminal accepts the call.

The present invention can be applied to a case where a credit card company directly receives an approval request from a merchant server without storing the card information of the user in any one of third parties such as a PG company, a VAN company, a third certification authority, a token issuer, The settlement can be completed, so that the card information is not fundamentally used for storing the external system, thereby enhancing the security.

In addition, the present invention separates and stores the terminal identification information including the BIN number of the ordinary card that is searched on the Internet and the name corresponding to the personal information, not the important financial information, and the mobile phone number, The present invention has an effect that can be prevented.

In addition, the present invention is not limited to the case where the card information such as the card number and the expiration date is not stored on the third party side including the card issuer as well as the payment settlement agency, or the card information is not registered even the first time, It is not necessary to input the card number, the card password and the expiration date every time, and it is not necessary to input the card number, the card password, It is possible to provide convenience to the customer while improving the security.

In addition, the present invention sets a PIN used as a personal encryption key in a BIN number settlement service through a voice line with a payment authentication call server (ARS) of a communication company, stores it in a payment authentication call server, (Authentication channel duplication) by transmitting the PIN number input from the mobile communication terminal to the payment authentication call server through the voice line formed with the mobile communication terminal of Shimada customer and the payment authentication call server which is the voice automatic response system, It is possible to improve the security by PIN transmission through the Internet.

1 is a diagram showing a configuration of a general payment system.
2 is a diagram illustrating a configuration of a card company direct mobile simple payment system using a bank identification number according to the present invention.
FIG. 3 is a flowchart illustrating a card company direct mobile simple settlement method using a bank identification number according to the present invention.
4 is a first flowchart illustrating a method of registering a bank identification number payment service in a card company direct mobile easy payment method using a bank identification number according to the present invention.
FIG. 5 is a second sequential flowchart of the method for registering a bank identification number settlement service of a card company direct mobile easy settlement method using a bank identification number according to the present invention.
6 is a flowchart illustrating a bank identification number settlement service method of a card company direct mobile easy settlement method using a bank identification number according to the present invention.
7 is a view showing a payment means selection and card company selection user interface means according to an embodiment of the present invention.
8 is a diagram illustrating a method of registering a credit card direct mobile simple settlement service using a bank identification number through a user interface means in a mobile communication terminal of a mobile simple payment system according to an embodiment of the present invention.
9 is a diagram illustrating a card company direct mobile simple settlement service method using a bank identification number through a user interface means in a mobile communication terminal of a mobile simple payment system according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0028] Hereinafter, a configuration and operation of a card company direct mobile simple settlement system using a bank identification number according to the present invention will be described with reference to the accompanying drawings, and a mobile simple settlement method in the system will be described.

2 is a diagram illustrating a configuration of a card company direct mobile simple payment system using a bank identification number according to the present invention.

Referring to FIG. 2, a card company direct mobile simple payment system using a bank identification number according to the present invention includes a mobile communication terminal 100, a merchant server unit 200, a BIN server 300, a credit card company system 500, And a server unit 600, according to an embodiment of the present invention.

The mobile communication terminal 100, the merchant server unit 200, the BIN server 300, the credit card company system 500, the settlement authentication call server unit 600 and the stolen terminal inquiry server unit 700 are connected to the wired / wireless data communication network 800 ), And performs data communication with the mutual connected systems.

The wired / wireless data communication network 800 is a data communication network in which an Internet network and a mobile communication network are combined. The Internet network may be a WiFi network that is a wireless Internet network. The mobile communication network includes at least one of a third generation (3G) network and a fourth generation (4G = Long Term Evolution) network, and is a communication network capable of connecting and receiving data with the Internet . The BIN server 300 and the card issuer management server 510 of the card issuer system 500 are connected to each other through one of mutual exclusive networks and VPNs. In addition, the Internet network includes a private network and a virtual private network .

The settlement authentication call server unit 600 is connected to a public switched telephone network (PSTN) 900 and is connected to the mobile communication terminal 100 through the PSTN 900 and the wired / wireless data communication network 800 And the billing authentication call server unit 600 receives the PIN from the mobile communication terminal 100. The billing authentication call server unit 600 receives the PIN from the mobile communication terminal 100,

The mobile communication terminal 100 stores terminal identification information such as a telephone number, an International Mobile Equipment Identity (IMEI), and an electronic serial number (ESN) And displays the payment user interface means for performing payment for an arbitrary service, and displays the information input through the payment user interface means To the corresponding system requesting the information through the wired / wireless data communication network 800. [ The system includes a merchant server 200, a card issuer management server 510 of a card issuer system 500, a card issuer payment server 510, a BIN server 300, a payment authentication call server 600, (700) and so on. The settlement user interface means includes a payment means selection user interface means, a card company selection user interface means, a service use agreement information display and agreement request user interface means, a card selection user interface means, a BIN payment information input user interface means, Means and the like may be applied. The user interface means may be installed in the mobile communication terminal 100 in the form of an application or may be provided from the connected system.

In addition, the mobile communication terminal 100 transmits the PIN input from the user through the call channel in the call mode to the payment authentication call server unit 600 when the mobile communication terminal 100 forms a call with the payment authentication call server unit 600 according to the present invention .

The merchant server unit 200 provides information on a variety of sales products such as a web, an application-based Internet shopping mall, and the like that require settlement, such as goods, knowledge, services, and services, . In the following description, a server refers to a system that can be composed of one or more servers. For example, the shopping mall merchant server unit 200 includes a database server that stores images, prices, product information, and the like of products, a login server that performs login processing of subscribers, a web server A server, an application server for providing the product information through an application, and a payment server for performing payment processing.

The merchant server unit 200 stores and manages the member information including the terminal identification information of the customer's mobile communication terminal 100 including the name and phone number of the customer who is a member, A means selection user interface means is provided to the mobile communication terminal 100 to request selection of a payment means, and a check is made as to whether a BIN number payment service is selected as a payment means. When the BIN number settlement service is selected, the merchant server unit 200 transmits a payment interlocking processing request signal including the name of the customer and the terminal identification information of the mobile communication terminal 100 accessed by the customer to the BIN server 300. The terminal identification information may preferably be a telephone number. Of course, the payment interlocking processing request signal will also include payment information including sales product information, purchase amount information, and the like. However, the payment information does not relate to the actual configuration of the present invention and therefore will not be described.

When the BIN server 300 receives a payment interlock processing request signal including the customer name and the terminal identification information for the corresponding customer through the arbitrary mobile communication terminal 100 from the merchant server unit 200, Relay the BIN number settlement service processing procedure.

The BIN server 300 may store the BIN settlement service registration information including the name of the subscriber of the BIN settlement service and the terminal identification information of the subscriber's mobile terminal 100.

The card issuer system 500 includes a card issuance management server 510 and a card issuance payment server 520,

The card issuer management server 510 receives card issuer information by a card issuer and a card security code such as a card number per issuer, an expiration date, a card validation code (CVC), and a card verification value (CVV) Card number, expiration date, CSC, etc., which are received by the payment processing request when a payment processing request is generated, and stores the payment information including credit card information such as credit card information And the transaction details including the card password, the card number, the expiration date, the CSC, etc. for the corresponding card of the corresponding card issuer registered in advance and performs authentication, A payment approval process is performed. The card security code is used as a card password in some countries. Accordingly, in the present invention, the card password may be either a password set by the user as in the case of a domestic card or a card security code (CSC).

The card issuer management server 510 according to the present invention accesses the mobile communication terminal 100 upon receiving the mobile communication terminal access information from the BIN server 300 and receives the login information, .

The card issuer management server 510 logs in the customer of the mobile communication terminal 100 and provides a list of BIN numbers of the card owner's card corresponding to the login information to the mobile communication terminal 100, Selects one BIN number, and transmits the card information including the card number that can identify only the BIN number, not the entire card number, to the card issuer payment server 520.

The card payment server 520 stores the registration telegram included in reception of the registration telegram from the BIN server 300 to complete the registration of the BIN number settlement service and transmits the selected BIN number and the BIN number From the BIN server 300, compares registration details of the BIN number registered in advance, and generates a transaction special if they match.

The card issuer payment server 520 notifies the mobile communication terminal 100, the merchant server unit 200, and the BIN server 300 of the completion of the payment approval when processing the transaction approval.

Specifically, the card issuer management server 510 determines the name of the subscriber to subscribe to the BIN number settlement service according to the present invention by relaying the BIN server 300, the terminal identification information of the subscriber's mobile communication terminal 100, (BIN number) settlement service subscriber information (registration specialist). The BIN number means a sixteen-digit number of a 16-digit card number, a 14-digit card number, and a 15-digit card number of a credit card. In the present invention, the BIN number may further include the 14th to 16th (end 1 to 3) numbers of the card number in the first six digits of the 16-digit number of the card number. The numbers in the 15th to 16th digits are to identify cases where the same BIN number is assigned to one subscriber.

The settlement authentication call server unit 600 accesses the wired or wireless data communication network 800 or the general public telephone network (PSTN) 900 and transmits the call origination request to the mobile communication terminal 100 and the voice line When a call request is made from the BIN server 300 to the mobile communication terminal 100, a call is made to the mobile communication terminal 100 to form a communication channel, And stores the terminal identification information and the PIN of the mobile communication terminal 100 that can be detected through the call path when the PIN is inputted from the mobile communication terminal 100 through the call path.

The settlement authentication call server unit 600 generates a registration key (or "A", "registration authentication result value") reflecting the terminal identification information and the PIN obtained at the time of registering the BIN number settlement service, (Or "B "," use authentication result value ") reflecting the PIN and the terminal identification information acquired in the BIN number settlement service to the BIN server 300. [

The stolen terminal inquiry server unit 700 stores terminal identification information such as phone numbers, IMEI, and ESN of the stolen-declared mobile communication terminals 100, and includes the terminal identification information when receiving a stolen terminal inquiry request signal including terminal identification information Detects whether the mobile communication terminal 100 of the terminal identification information is registered as the stolen terminal, and notifies the result of the search. The stolen terminal inquiry request signal may be transmitted by one of the BIN server 300 and the card issuer system 500.

FIG. 3 is a flowchart illustrating a card company direct mobile simple settlement method using a bank identification number according to the present invention, and FIG. 7 illustrates a payment means selection and card company selection user interface means according to an embodiment of the present invention. Hereinafter, a credit card direct mobile easy settlement method using the bank identification number according to the present invention will be described in detail with reference to FIG. 3 and FIG.

First, an arbitrary customer uses the service provided by the merchant server unit 200 after logging into the merchant server unit 200 through the mobile communication terminal 100 (S111) (S113).

If a payment request for purchasing a commodity provided by the customer is generated during the service use, the mobile communication terminal 100 transmits a settlement request signal to the merchant server 200 at step S115.

The merchant server unit 200 receiving the payment request signal transmits a payment means selection request signal to the mobile communication terminal 100 and transmits the payment means selection user interface means as shown in FIG. 7 to the mobile communication terminal 100 And requests the user to select a payment means through the payment means selection user interface means (S117).

The mobile communication terminal 100 displays the payment means selection user interface means and requests the customer to select a payment means. The payment means may also include a BIN number settlement service according to the present invention.

When the customer selects the payment means through the payment means selection user interface means, the mobile communication terminal 100 transmits the payment means selection information to the merchant server 200 (S119).

When the payment means selection information is received from the mobile communication terminal 100, the merchant server unit 200 checks whether the customer has selected the BIN number payment service based on the payment means selection information (S121).

If the settlement means other than the BIN number settlement service is selected, the merchant server unit 200 will perform processing according to general settlement means (S123).

On the other hand, if the BIN number settlement service is selected, the merchant server unit 200 transmits a payment interlock processing request signal including the name of the logged-in customer and the terminal identification information of the customer's mobile communication terminal 100 to the BIN server 300 (S125). The terminal identification information may be acquired from the member information of the customer or may be acquired from a signal transmitted / received to / from the currently connected mobile communication terminal 100.

The BIN server 300 having received the payment interlocking processing request signal transmits the payment interlock processing request signal to the user of the mobile communication terminal 100 through the connection with the mobile communication terminal 100 after the connection with the mobile communication terminal 100 And the terminal identification information of the mobile communication terminal 100 (S129).

When the name of the customer and the terminal identification information of the mobile communication terminal 100 are detected by the connection with the mobile communication terminal 100, the name and terminal identification information included in the payment interlock processing request signal, And performs verification of the mobile communication terminal by comparing the identification information (S131). At this time, if the terminal verification fails, the verification failure will be transmitted to the merchant server unit 200 and the mobile communication terminal 100 and then terminated (not shown).

After the terminal verification, the BIN server 300 transmits a card company selection request signal to request the mobile communication terminal 100 to select a card company by displaying the card company selection user interface means as shown in FIG. 7 (B) (S133).

When the customer selects the card company through the card company selection user interface means, the mobile communication terminal 100 transmits the card company information on the selected card company to the BIN server 300 (S135).

When the card company information is received, the BIN server 300 compares the detected name and terminal identification information with the registration specifications of BIN number settlement service subscribers registered in advance, and determines whether the subscriber is a BIN number settlement service subscriber (S137). The registration specialization may include a BIN number and terminal identification information (telephone number), and may further include an authentication result value and a registration key (A).

If the customer is not a BIN number settlement service subscriber, the BIN server 300 performs a BIN number settlement service registration routine (S139). If the customer is a BIN number settlement service subscriber, the BIN server 300 performs a BIN number settlement service routine (S141).

The BIN number settlement service registration routine will be described in detail with reference to FIGS. 4, 5 and 8, and the BIN number settlement service routine will be described with reference to FIGS. 6 and 9, which will be described later.

FIG. 4 is a first flowchart showing a bank identification number payment service registration method of a card company direct mobile easy payment method using a bank identification number according to the present invention, FIG. 5 is a flowchart illustrating a method of registering a bank identification number FIG. 8 is a flowchart of a second procedure in the first procedure diagram showing a method of registering a bank identification number payment service of a payment method. FIG. 8 is a flowchart illustrating a user interface The method of registering a card company direct mobile simple settlement service using a bank identification number through a mobile banking service. This will be described below with reference to Figs. 4, 5 and 8. Fig.

The BIN server 300 transmits the access information of the mobile communication terminal 100 to the card issuance management server 510 of the card issuing system 500 when the customer who has selected the BIN number settlement service as the payment means and requests payment is not the BIN number payment service subscriber And requests to connect with the mobile communication terminal 100 (S215).

When the mobile communication terminal access information is received, the card issuer management server 510 transmits a log-in request signal to the mobile communication terminal 100 to join the card company or subscribe to the BIN number settlement service, and requests to log in (S217). When the log-in request signal is received from the card issuer management server 510, the mobile communication terminal 100 displays the login user interface means as shown in FIG. 8 (a), and inputs an ID and a password to the login user interface means I will ask.

If the user inputs login information including a login ID and a password and then requests a login, the mobile communication terminal 100 transmits the login information to the card issuer management server 510 (S219).

Upon receiving the login information, the card issuer management server 510 performs login processing for logging in the customer of the login information to the card issuer system 500 (S221).

The card issuer management server 510 checks whether the log-in process has succeeded in the card issuer system 500 (S223).

If the log-in fails, the card issuer management server 510 requests the log-in again (S217). If the log-in succeeds, the mobile communication terminal 100 transmits a service use consent request signal to the mobile communication terminal 100 And causes the mobile communication terminal 100 to display the service use agreement request user interface means. That is, when receiving a service use consent request signal from the card issuance management server 510, the mobile communication terminal 100 displays a service use consent request user interface means to inform the user of the user's agreement on the terms, the customer name and the telephone number Information) (S225).

If the customer requests the user agreement through the user interface means requesting the service use agreement, the mobile communication terminal 100 transmits the service usage agreement information to the card company management server 510 (S227). 8 (B)) is clicked in the service agreement check field, the name and phone number of the customer are displayed to confirm the user information, and the OK button It is preferable to transmit the service use agreement information to the card issuer management server 510 when the user clicks the service usage agreement information.

When the service use agreement information is received from the mobile communication terminal 100, the card issuer management server 510 displays the identity authentication means, and then, when the authentication request button is clicked, (Step S229). ≪ / RTI >

After the identity authentication is performed, the card issuer management server 510 checks whether the identity authentication is successful (S231). If it is determined that the identity authentication is successful in the identity authentication success check, the card issuance management server 510 checks the card number And transmits a card selection request signal including a card list including at least one card number to the mobile communication terminal 100 (S233). Then, the mobile communication terminal 100 displays at least one card number (BIN number) through the card selection user interface means as shown in (c) of FIG. FIG. 8 (c) shows a case where the authentication user interface means and the card selection user interface means are constituted by one user interface means. At this time, if only the BIN number is displayed or the same BIN number exists as shown in FIG. 8B, the card number will be displayed so that only the 14th to 16th numbers are displayed for the card identification.

When the card is selected through the card selection user interface means, the mobile communication terminal 100 transmits the BIN card information including the card number of the selected card to the card issuer management server 510 (S235). And may receive at least one of a card password and a CVC of the card number selected when the card is selected. The input card password and CVC are included in the BIN card information and transmitted to the card issuer management server 510 together with the card information. When the selected card information, that is, the card number, is received, the card issuer management server 510 stores the BIN number, the BIN number, and the 15th to 16th numbers of the card number.

When performing the identity authentication, the card issuer management server 510 transmits the BIN card information including the card authentication information including the authentication result value and the BIN number to the card issuer server 520 and the BIN server 300 S239, and S241). The card issuer payment server 520 and the BIN server 300 that have received the authentication result value store the authentication result value and the card information (S243, S245).

When the BIN card information including at least one of the card password and the CVC is received, the card issuer management server 510 notifies the card issuer management server 510 of the total card number corresponding to the BIN card information (S236), and executes the occupancy card authentication based on the inputted card password or CVC, the card number, the expiration date, etc. (S237) May be configured to transmit the member identity verification result value (S239). If the authentication is not performed, the card issuer management server 510 will send a formation request signal to the BIN server instead of the identity verification result value (S239).

The BIN server 300 having received the identity verification result value or the currency formation request signal performs a PIN input routine through the payment authorization call server unit 600, which is an ARS (S249) ~ S279).

The PIN input routine will be described in detail. The BIN server 300 transmits a call connection method selection request signal to the mobile communication terminal 100 (249). The call connection method includes a calling method in which the mobile communication terminal 100 attempts to originate a call to the settlement authentication call server unit 600 to form a call channel and a method in which the mobile communication terminal 100 receives a call from the settlement authentication call server unit 600 A calling method for receiving a call and forming a call path may be applied.

In addition, the BIN server 300 provides terminal identification information including the telephone number of the mobile communication terminal 100 to the payment authentication call server unit 600 for telephone number authentication (S250).

Upon receiving the call connection method selection request signal, the mobile communication terminal 100 displays a call connection method selection user interface means and checks whether a call origination method is selected (S251).

When the call reception is selected, the mobile communication terminal 100 transmits a call reception selection notification signal to the BIN server 300 (S253), and the BIN server 300 receiving the call reception selection notification signal transmits the telephone number of the mobile communication terminal 100 To the payment authentication call server unit 600 (S255).

Upon receipt of the origination request information, the payment authentication call server unit 600 transmits a call to the telephone number included in the origination request information at step S257.

The mobile communication terminal 100 checks whether a call is incoming after a call is received (S259), checks whether a call connection request is generated by inputting a call button upon receiving a call (S261) (600) and a communication path (S263).

On the other hand, when call origination is selected, the mobile communication terminal 100 dials a telephone number of a payment authentication call server unit 600, which is known in advance, to make a call (S267) When the payment authentication call server unit 600 which received the call responds, it forms a communication path that is a voice line (S269).

In step S271, the settlement authentication call server unit 600 determines whether or not the call connection is a call connection. In step S250, the settlement authentication call server unit 600 receives the telephone number of the incoming call in advance, It may be determined whether or not the phone number matches the stored phone number to perform the mobile phone terminal occupancy authentication by phone number authentication (S273).

When the call is established, the payment authorization call server unit 600 transmits a PIN setting request signal for the stored BIN number to the mobile communication terminal 100 (S275).

Then, as shown in FIG. 8 (d), the mobile communication terminal 100 requests to input a PIN to be set through the telephone number button in the call mode, and when the PIN is input in response thereto, ) To the settlement authentication call server unit 600 (S277).

When the PIN is input from the mobile communication terminal 100, the payment authentication call server unit 600 maps and stores the telephone number and PIN (S279).

After the PIN input routine, the settlement authentication call server unit 600 notifies the mobile communication terminal 100 of the termination of the call (S281) and ends the call (S283).

When the call is terminated, the payment authentication call server unit 600 transmits a PIN setting termination notification signal to the BIN server 300 (S287).

Upon receipt of the PIN setting termination notification signal, the BIN server 300 generates and stores a registration message including the BIN number and the terminal identification information (S289), and then transmits a card registration completion notification signal to the mobile communication terminal 100 (S291), and transmits the registration telegram to the card issuer management server 510 and the card issuer payment server 520 (S293).

Then, the mobile communication terminal 100 displays the BIN settlement service registration completion message (S295), and the card company payment server 520 stores the registration message to complete the BIN settlement service registration (S297).

At the end of the call, the settlement authentication call server unit 600 selectively generates the registration key A, which is a registration authentication result value, by reflecting the terminal identification information and the PIN, and then transmits the registration key A To the BIN server 300 (step S287). The method of generating the registration key A may be an OTP generation method reflecting the transaction information. However, the registration key A of the present invention may be a semi-permanent key rather than a disposable key.

Then, the BIN server 300 will further include the registration key (A) when generating the registration telegram. In addition, when performing the identity authentication, the BIN server 300 may further include the identity verification result value in the registration specialization.

FIG. 6 is a flowchart illustrating a bank identification number settlement service method of a card company direct mobile easy settlement method using a bank identification number according to the present invention. FIG. FIG. 2 is a diagram illustrating a card company direct mobile simple settlement service method using a bank identification number through a bank. This will be described below with reference to Figs. 6 and 9. Fig.

If the customer is determined to be a BIN number settlement service subscriber in S317 of FIG. 3 or has subscribed to the BIN number settlement service according to the FIG. 4 to FIG. 5, the BIN server 300 transmits the BIN number settlement And transmits a service request card number selection request signal to the mobile communication terminal 100 (S311).

Then, the mobile communication terminal 100 displays a BIN number as shown in (A) of FIG. 9 and requests to select a card number, that is, a card (S313). If a BIN number settlement service for two or more cards is set for one card issuer, the card number selection user interface means corresponding to (C) in Fig. 8 indicating a plurality of card numbers is displayed, You may also want to choose a number (not shown).

When the card number is displayed, the mobile communication terminal 100 checks whether the card number is selected (S315). When the card number is selected, the mobile communication terminal 100 acquires the terminal identification information of the mobile communication terminal 100, To the server 300 (S317).

When the BIN server 300 receives the terminal identification information from the mobile communication terminal 100, the BIN server 300 relays the call connection between the payment authentication call server unit 300 and the mobile communication terminal 100, And acquires the PIN (S319). Since the PIN input routine has been described in detail in S249 to S279 of FIG. 5, description thereof will be omitted.

When the PIN and the terminal identification information are obtained, the payment authentication call server unit 600 compares the obtained terminal identification information and the PIN with the PIN registered in advance with respect to the terminal identification information, and determines whether they match or not (S321).

As a result of the determination, if there is an inconsistency, the payment authentication call server unit 600 transmits an authentication failure message to the mobile communication terminal and the BIN server 300 and then terminates (not shown).

On the other hand, if the mobile communication terminal occupancy authentication and the plural authentication by the personal password (PIN) knowledge authentication are successful, the payment authentication call server unit 600 transmits the PIN normal confirmation notification message to the mobile communication terminal 100 via the call path After one (S323), the call is terminated (S325).

After the call is terminated, the settlement authentication call server unit 600 transmits a PIN authentication completion notification signal to the BIN server 300 (S329).

Upon receipt of the PIN authentication completion notification signal, the BIN server 300 generates a usage rule including the BIN number and the terminal identification information (S335), and then transmits the payment request information including the usage rule to the card issuer payment server 520 (S337).

The settlement authentication call server unit 600 generates the use key B to which the acquired terminal identification information and the PIN are applied at step S327, and then transmits the PIN authentication completion notification signal to the BIN server 300, (S329).

The BIN server 300 having received the use key B compares the received use key B with the previously registered registration key A for the terminal identification information to perform key authentication according to the match, It is determined whether or not it is successful (S331).

Upon receiving the PIN authentication completion notification signal or upon successful authentication of the key, the BIN server 300 will generate the usage text including the registration key.

In addition, the BIN server 300 may detect the identity verification result value (received from the card issuance management server 510 at S239) stored at the time of registration (S333) and may be included in the use professional.

The card company payment server 520 compares registration details stored in advance with respect to the terminal identification information in step S339, and performs authentication according to whether or not the usage advertisement is received from the BIN server 300 in step S341.

Upon successful authentication, the card issuer payment server 520 detects the entire card number corresponding to the BIN number, generates a transaction message containing the card information including the detected card number (S343), and performs payment approval processing according to the transaction message (S345).

Then, the card issuer payment server 520 transmits an approval completion notification signal to the BIN server 300 and the mobile communication terminal 100 (S347, S351). An approval notification signal transmitted to the mobile communication terminal 100 may be provided through the merchant server 200. [

The BIN server 300 receiving the approval completion notification signal stores the payment processing log (S349).

The mobile communication terminal 100, which has received the approval completion notification signal, displays the settlement success message and terminates the process and terminates the process (S353).

Of course, the card issuer payment server 520 or the BIN server 300 will transmit an approval completion notification signal to the merchant server 200.

While the present invention has been described with reference to exemplary embodiments, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims. It will be easily understood. It is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, it is intended to cover various modifications within the scope of the appended claims.

100: mobile communication terminal 200: merchant server unit
300: BIN Server 500: Card issuer system
510: card company management server 520: card company payment server
600: payment authentication call server unit 700: stolen terminal inquiry server unit

Claims (12)

A customer's mobile communication terminal having terminal identification information including a telephone number;
The mobile terminal determines whether the customer selects the BIN number settlement service as the payment means. If the BIN number settlement service is selected, the name of the customer and the terminal identification information of the mobile communication terminal are obtained, A merchant server unit for transmitting a payment interlocking processing request signal including terminal identification information;
A personal identification information (PIN) input through a formed voice line is mapped with terminal identification information of the mobile communication terminal and stored, and when the BIN payment service authentication is performed, The terminal receives the PIN through the line and compares the received PIN with a pre-registered PIN to perform authentication based on the mobile communication terminal and PIN based knowledge base authentication. When the BIN number payment service is registered and the service is performed, A payment authentication call server unit for providing an authentication result value for the PIN;
When receiving the payment interlocking processing request signal, selects a customer card company from the customer through the mobile communication terminal, transmits the mobile communication terminal access information to the selected card company, A BIN server for generating and transmitting a registration message when the BIN number payment service is registered, and generating and transmitting a usage message if the authentication result value is successful in the BIN number payment service; And
The system according to claim 1, wherein, when receiving the mobile communication terminal connection information from the BIN server, the mobile communication terminal accesses the mobile communication terminal, receives login information from the BIN server, logs in the customer, And a PIN is input to the BIN number selected from the mobile communication terminal through the payment authentication call server unit and is mapped to the BIN number and the BIN number PIN is completed and the registration of the BIN number settlement service is completed, the authentication result of the BIN number selected from the payment authentication call server unit is received upon request of the BIN number settlement service, The above-mentioned use professional and the registration specialist are compared with each other, The system comprising a card issuer system that completes a payment transaction and completes a payment transaction.
The method according to claim 1,
The card company system,
Upon receipt of the mobile terminal access information from the BIN server, accesses the mobile communication terminal, receives the login information, logs in the client, and provides a list of BIN numbers for the card of the cardholder corresponding to the login information A card issuer management server for requesting a card selection by the card issuer and selecting one BIN number and transmitting BIN card information including the BIN number; And
Receiving the registration message including the PIN for the BIN number and the BIN number selected at the time of requesting the BIN number settlement service, And a credit card payment server for comparing the registration telegram with the BIN number and generating a transaction special if it matches, processing the payment approval by the created transaction specialist, and performing a payment completion process upon completion of the payment approval process Card company direct mobile easy payment system using bank identification number.
The method according to claim 1,
The settlement authentication call server unit,
When the BIN number settlement service is registered, after storing the terminal identification information and the PIN, at least one of the terminal identification information and the PIN is applied to generate a registration key (A) which is the authentication result value at the time of registration and transmitted to the BIN server The terminal identification information requesting the BIN number settlement service at the time of the BIN number settlement service and the authentication result value at the time of the BIN number settlement service after storing the PIN inputted from the customer, Generates and transmits a usage key (B) reflecting the same key generation algorithm element applied to the user,
The BIN server,
(B) and the key of the registration key (A) at the time of the BIN number settlement service, wherein the registration key (A) is included in the registration telegram and the usage key And the BIN number settlement service is performed when the authentication is successful. The system as claimed in claim 1, wherein the bank identification number is a bank identification number.
3. The method of claim 2,
The card company management server,
After the login, the user authentication means is provided to the mobile communication terminal to transmit the user authentication information received from the mobile communication terminal to the corresponding authentication authority to perform the user authentication, and when the user authentication is successful, To the card issuer payment server and the BIN server,
And the BIN server includes the authentication result value in the registration telegram and the usage telegram.
5. The method of claim 4,
The card company management server,
When the authentication of the user is successful, receives BIN card information including at least one of a card password and a CVC in response to the card selection request from the mobile communication terminal and stores the entire card number, Detects validity period, and compares the card information including the detected card number, the valid period, the card password, and the CVC with the card information stored in advance, Card company direct mobile easy payment system using bank identification number.
5. The method of claim 4,
The BIN server,
In order to form a call path between the mobile communication terminal and the settlement authentication call server unit, a call path is formed by calling a mobile communication terminal reference call to the mobile communication terminal or an incoming call is received from the mobile communication terminal reference payment authentication call server unit Requesting to select whether to form a call route, and when the call reception request is made from the mobile communication terminal, transmitting request information including terminal identification information of the mobile communication terminal to the payment authentication call server unit,
When the mobile communication terminal selects the call origination, the call is made to the payment authentication call server unit of the telephone number of the selected card company stored in advance, and when the call incoming is selected, the call incoming request is transmitted to the BIN server And when a call request is made by the customer at the time of receiving a call from the payment authentication call server unit, forms a call route with the payment authorization call server unit.
The merchant server unit determines whether the customer selects the BIN number settlement service as the payment means through the mobile communication terminal. If the BIN number settlement service is selected, the merchant server obtains the name and the terminal identification information for the customer, A payment interlocking requesting step of sending a payment interlocking processing request signal including the payment interlocking processing request signal;
A subscriber determining step of determining, by referring to the BIN number settlement service subscriber information in which the BIN server is stored in advance, whether the customer of the mobile communication terminal and the name is a BIN number settlement service subscriber;
If the customer is not a BIN number settlement service subscriber, the BIN server receives the PIN from the mobile communication terminal through the call line, which is a voice line formed through the settlement authentication call server, registers the PIN in the settlement authentication call server unit, Connecting the corresponding card issuer system and the mobile communication terminal, selecting one of at least one BIN number for the card issued by the card issuer and registering at least the BIN number and the terminal identification information of the mobile communication terminal A BIN number settlement service registering step of generating a banknote and storing it in the credit card company system; And
If the customer is a BIN number settlement service subscriber, the BIN server receives the credit card company and BIN number from the mobile communication terminal, forms a call path between the mobile communication terminal and the payment authentication call server unit, And transmits the generated password to the credit card company system. The card company system receives the authentication result value according to whether the PIN entered from the customer matches the PIN registered in advance with the customer, And a BIN number settlement service process for completing settlement approval and settlement processing when the specialist agrees with each other.
8. The method of claim 7,
The BIN number settlement service registration process includes:
The BIN server selects a credit card company from the customer through the mobile communication terminal upon receiving the payment interlock processing request signal, and transmits connection information to the card company system of the selected credit card company to connect the card company system and the mobile communication terminal ;
The mobile communication terminal transmits the login information to the card company system after logging in to the card company system, logs in, receives and displays a list of BIN numbers for the card owner's card corresponding to the login information, A BIN selection step of selecting a BIN number of the BIN number and transmitting the selected BIN number to the credit card company system;
Requesting formation of a call to the BIN server by the credit card company system;
The BIN server relaying formation of a call between the mobile communication terminal and the settlement authentication call server unit;
The payment authentication call server having a call connection requesting the mobile communication terminal to input the PIN through the established communication path, receiving the PIN, mapping the terminal identification information of the mobile communication terminal, storing the PIN, A PIN setting step of transmitting a registration authentication result value generated by reflecting the identification information and the BIN number;
Generating a registration message including the authentication result value, the BIN number, and the terminal identification information, and transmitting the registration message to the card company system; And
And a registration completion step of registering the customer with a BIN number settlement service subscriber by receiving and storing the registration special in the card company system.
9. The method of claim 8,
The BIN number settlement service process comprises:
Obtaining a BIN number by which the BIN server receives the card company and the BIN number from the mobile communication terminal if the customer is a BIN number settlement service subscriber;
The BIN server relaying formation of a call between the mobile communication terminal and the settlement authentication call server unit;
The payment authentication call server configured to communicate with the mobile communication terminal determines whether or not the PIN input from the mobile communication terminal and the PIN registered in advance are identical to each other, Generating an authentication result value generated by reflecting the BIN number and transmitting the generated authentication result value to the BIN server;
An authentication result value authentication step in which the BIN server compares the use authentication result value with the registration authentication result value and performs authentication according to the match;
If the authentication result value is successfully authenticated, generating the usage text and transmitting the usage text to the card company system; And
And a payment completion step of causing the credit card company system to complete the settlement approval and settlement process when the credit card company system receives the use special and matches the registration details registered in advance, wherein the settlement completion step is performed by the card company direct mobile settlement method using the bank identification number.
9. The method of claim 8,
The BIN selection step comprises:
A login step of transferring login information to the card company system after the mobile communication terminal connects with the card company system and logging in;
When the mobile communication terminal is logged in, the credit card company system provides authentication means to the mobile communication terminal to transmit the authentication information received from the mobile communication terminal to the corresponding authentication authority, thereby further performing authentication of the identity, An authentication step provided to the terminal; And
A BIN number for a card of a cardholder corresponding to the login information corresponding to the login information is received from the card issuer system, and a BIN number is selected from the customer and transmitted to the card company system Wherein the method comprises the steps of:
11. The method of claim 10,
The BIN selection step comprises:
BIN card information including at least one of a card password and a CVC for a selected BIN number in response to the card selection request at the BIN number providing step is received from the mobile communication terminal and included in the BIN card information An occupancy authentication step of detecting the entire card number and the valid period for the BIN number, comparing the card information including one of the card password and the CVC with the card information stored in advance, The method comprising the steps of: (a) receiving a bank identification number from a bank;
10. The method according to claim 8 or 9,
The formation-to-call relay step,
Whether the BIN server establishes a call path by making a call origination call to the mobile communication terminal to form a call path between the mobile communication terminal and the settlement authentication call server section, Requesting a call connection method selection request to select whether to receive a call and form a call path;
When the mobile communication terminal selects the call origination, the mobile communication terminal makes a call to the payment authentication call server section of the telephone number of the selected card company stored in advance, forms a call path, and selects a call reception, Selecting a connection method to the sending currency;
A server unit origination request step of, when the BIN server receives a call reception request from the mobile communication terminal, transmitting originating request information including terminal identification information of the mobile communication terminal to the payment authorization call server unit; And
Wherein the settlement authentication call server comprises: a server-side call-up-forming step of, when the payment authentication call server unit originates a call to the mobile communication terminal and establishes a call route with the mobile communication terminal upon accepting a call from the mobile communication terminal, Direct mobile card payment method using credit card company.

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