WO2012077917A1

WO2012077917A1 - Method for approving a credit card payment and a system for approving a credit card payment

Info

Publication number: WO2012077917A1
Application number: PCT/KR2011/008688
Authority: WO
Inventors: 박균열
Original assignee: 현대카드 주식회사
Priority date: 2010-12-06
Filing date: 2011-11-15
Publication date: 2012-06-14
Also published as: KR101046504B1

Abstract

The present invention relates to a method for approving a credit card payment and to a system for approving a credit card payment. The method of the present invention for approving a credit card payment includes: receiving, by the server for a domestic mobile communication provider, first roaming information including the communication information of the terminal of a mobile communication subscriber from an overseas mobile communication provider if there is a change of country; generating, by the server of the domestic mobile communication provider, second roaming information by processing the first roaming information when the customer information of the terminal of the mobile communication subscriber is included in the subscriber information of the mobile communication notifying service on the basis of the first roaming information; receiving and storing, by the server of a credit card company, the second roaming information; and approving, by the server of the credit card company, a credit card payment request if the country information included in the card payment request is identical to the country information included in the second roaming information on the basis of the stored second roaming information; and confirming, by a mobile communication subscriber terminal, whether or not the credit card payment request is approved if the country information is different.

Description

Credit card payment authorization method and credit card payment authorization system

The present invention relates to a payment approval method, and more particularly, to a method for approving a credit card payment by comparing payment information of a credit card with a location information of a user, and a credit card payment approval system using the same.

Various mobile operators that operate mobile communication systems provide roaming services to prevent overlapping investment and waste of communication resources. Roaming service is a subscription using a service provided by another carrier when a mobile terminal user who is subscribed to a mobile operator moves to another service provider's mobile communication system area, especially an overseas mobile service provider's service area. By allowing one service to be used as it is, it is possible to prevent overlapping investment among mobile operators and to provide better call quality to subscribers.

The roaming service can confirm the country location information of the customer when the customer sends a communication request in the service area by a contract concluded between specific mobile communication providers.

The technical problem to be achieved by the present invention is to provide a credit card payment approval method and a payment approval system using the same to obtain the country information based on the roaming service of the mobile communication terminal of the card subscriber to prevent overseas theft payment of the credit card. will be.

In a credit card payment approval method according to an embodiment of the present invention, a domestic mobile service provider server receives first roaming information including mobile communication subscriber terminal communication information from an overseas mobile service provider, and the domestic mobile communication service provider. The server, when the customer information of the mobile communication subscriber terminal is included in the mobile communication notification service subscriber information based on the first roaming information, transmitting second roaming information to a card company server; And approving the card payment request based on the second roaming information.

In an embodiment, the transmitting of the second roaming information may include: storing the first roaming information in a first database unit, customer information of a mobile subscriber station included in the first roaming information; Comparing the mobile communication notification service subscriber information stored in the first database unit, and when the customer information is included in the mobile communication notification service subscriber information, processing the first roaming information into the second roaming information; And transmitting to the card company server.

In an embodiment, the approving the card payment request may include: storing the second roaming information in a second database unit; and including country information included in the card payment request and the second roaming information. Comparing the country information, and if the country information match each other, the step of approving the card payment request.

In an embodiment, the approving the card payment request may include: storing the second roaming information in a second database unit, and customer information included in the second roaming information is included in the card company notification service subscriber information. Determining whether the customer information included in the second roaming information is included in the card company notification service subscriber information, and comparing the country information included in the card payment request information with the country information included in the second roaming information. Step, if the country information does not match, requesting payment approval to the mobile subscriber station based on the customer information included in the second roaming information, and approving a card payment request from the mobile subscriber station. If so, it may include the step of approving the card payment request. For example, the first roaming information may include customer information, country information, and country change time information of the mobile subscriber station.

In the credit card payment approval method according to an embodiment of the present invention, the mobile communication notification service subscriber information stored in the first database unit included in the domestic mobile communication service provider server is included in the second database unit included in the card company server. The method may further include updating based on the stored card company notification service subscriber information.

The credit card payment approval system according to an embodiment of the present invention receives first roaming information including mobile communication subscriber station communication information from an overseas mobile service provider, so that the customer information of the mobile communication subscriber terminal is a mobile communication notification service subscriber. If included in the information, the domestic mobile telecommunications provider server for transmitting the second roaming information to the card company server, and the card company server for accepting the card payment request based on the second roaming information.

In the credit card payment approval method according to the embodiments of the present invention, the card company server can check the country information of the customer based on the country information of the mobile communication terminal, the payment by credit card duplication that can occur illegally abroad You can block.

1 is a block diagram showing a credit card payment approval system according to an embodiment of the present invention.

2 is a flowchart illustrating a credit card payment approval method according to an embodiment of the present invention.

3 is a flowchart illustrating a step of transmitting second roaming information according to an embodiment of the present invention.

4 is a flowchart illustrating an overseas card payment request approval step according to an embodiment of the present invention.

5 is a table for explaining a credit card payment approval system and method according to an embodiment of the present invention.

6 is a flowchart illustrating an overseas card payment request approval step according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings will be described in detail an embodiment of the present invention.

Referring to FIG. 1, the credit card payment approval system 10 includes a mobile subscriber station 100, an overseas mobile operator server 200, a domestic mobile operator server 300, a card company server 400, and an overseas card. The service provider server 500 may be included.

The mobile subscriber station 100 is a customer who subscribes to a notification service provided by a card company and a domestic mobile communication company, and the mobile communication subscriber station 100 may obtain location information by communicating with a specific mobile communication provider. However, determining the specific location of the customer by the location information of the mobile subscriber station 100 may cause a problem of collecting information related to personal information.

Therefore, when the mobile subscriber station 100 communicates with a specific mobile communication provider, it is possible to determine in which country the mobile communication subscriber station 100 is located based only on information of the mobile communication service provider currently communicating.

In the case of a roaming service, when a domestic mobile service provider moves to a specific country by a contract relationship between a domestic mobile communication service provider and a foreign mobile communication service provider, the roaming service communicates with a preset overseas mobile communication service provider. Therefore, when the current mobile communication subscriber terminal 100 communicates with the overseas mobile service provider server 200, it is possible to check the country location of the mobile communication subscriber terminal 100.

When the overseas mobile communication service provider server 200 successfully communicates with the mobile communication subscriber station 100, the overseas mobile communication service provider server 200 transmits the overseas roaming information of the mobile communication subscriber station 100 to the domestic mobile service provider server 300. The transmitted overseas roaming information may include customer information of the mobile communication subscriber terminal 100, country information, and country change time information, which is the first communication success point of the mobile communication subscriber terminal 100 and the domestic mobile communication service provider server 300. have.

The domestic mobile service provider server 300 may include a first transceiver 310, a mobile communication server controller 320, and a first database unit 330.

The domestic mobile telecommunication service provider server 300 receives first roaming information, which is overseas roaming information of the mobile telecommunication subscriber terminal 100, from the overseas mobile telecommunication service provider server 200. The first roaming information may be received through the first transceiver 310 and stored in a database corresponding to the first database unit 330. For example, the first database unit 330 may include a customer location database 333. The customer database 331 may include the mobile communication notification service subscription information of each customer along with the entire customer list of domestic mobile communication operators. The customer location database 333 may include current location information of the mobile subscriber. As described above, the location information of the customer may include the location coordinate information of the specific customer of the customer using a global positioning system (GPS), but the country based on the information of the mobile communication provider with which the mobile subscriber station 100 communicates. It may also contain information.

The mobile communication server controller 320 compares the first roaming information with the mobile communication notification service subscriber information, and when the customer of the mobile communication subscriber terminal 100 is a mobile communication notification service subscription customer, roams the first roaming information to the second roaming information. The information is processed and provided to the card company server 400 through the first transceiver 310. The mobile communication server controller 320 may control the overall operation of the domestic mobile service provider server 300.

According to an exemplary embodiment, processing the first roaming information into the second roaming information may be performed by extracting information required by the card company server 400 from the first roaming information.

The card company server 400 may include a second transceiver 410, a card company server controller 420, and a second database unit 430.

The second transceiver 410 may receive the second roaming information from the domestic mobile service provider server 300, and may receive a payment approval request from the overseas card service provider server 500. In addition, the second transceiver 410 may transmit a card payment request approval to the overseas card operator server 500.

The card company server controller 420 may compare the second roaming information with the card company notification service subscriber information. The card company notification service subscriber information may be stored in the second database unit 430. The card company notification service subscriber information may be customer information subscribed to a service substantially the same as the mobile communication notification service subscriber information, or the card company server 400. And the domestic mobile service provider server 300 may be managed separately. Therefore, when the card company notification service subscriber information is changed, the service information may be provided to the domestic mobile communication service provider server 300 through the second transceiver 410 to update the mobile communication notification service subscriber information. However, this indicates that the management subject of the service subscriber is the card company, and when the management subject of the service subscriber is the mobile communication provider, the card company notification service subscriber information may be updated based on the mobile communication notification service subscriber information.

The card company server controller 420 stores the information received through the second transceiver 410 in the second database unit 430, and analyzes the information stored in the second database unit 430 to transmit and receive the second data. It can be transmitted to the outside through the unit 410. Also, the card company server controller 420 may control the overall operation of the card company server 400.

The second database unit 430 may include a customer database 431, a customer location database 433, and a payment history database 435. The customer database 431 may include card company subscription customer information, and may also include card company notification service subscriber information. For example, the card company may include information on whether to subscribe to the card company notification service for the entire card company subscription customers. The customer location database 433 may include country information regarding which country the card company notification service subscription customers are currently in. In addition, the customer location database 433 may include information on when the country information of the customers is changed. The payment history database 435 may include information on credit card payment history of card company subscription customers. That is, information about a payment country, a payment amount, a payment time, etc. may be included for each customer.

The card company server controller 420 stores the country information of the corresponding customer included in the second roaming information in the customer location database 433, and when the payment approval request is received from the overseas card operator server 500, the customer location. The country information of the customer stored in the database 433 is compared with the country information included in the payment approval request, and if the country information matches, the card payment request is approved. Therefore, the card payment request is approved only when the country where the mobile subscriber and the card company customer are currently located matches the country where the card payment is requested.

If the country information stored in the customer location database 433 and the country information included in the card payment request do not match, the card payment request was received in a different country than the country where the customer is located. Reject approval. According to the embodiment, if the country information is different, whether to reject the card payment request unconditionally, or received the card payment request in the different country to the mobile subscriber terminal 100 to the domestic mobile service provider server 300 whether to approve it You can also contact When the notification service subscriber inputs information that may approve the card payment request through the mobile communication subscriber terminal 100, the card company server controller 420 approves the card payment request to the overseas card operator server 500. When the notification service subscriber inputs information that the card payment request is not approved through the mobile subscriber station 100, the card company server controller 420 rejects the card payment request from the overseas card service provider server 500.

Credit card payment approval system 10 according to an embodiment of the present invention, the credit card company receives the country information according to the roaming system between the overseas mobile carriers and domestic mobile communication operators to determine the suitability of the overseas card payment request It is possible to determine whether the card payment is approved. Therefore, the credit card payment approval system 10 can secure the stability of overseas credit card use within a range that does not greatly infringe the location information of the mobile communication subscribers, thereby minimizing consumer damage due to card theft.

Referring to FIG. 2, when a mobile communication subscriber communicates with an overseas mobile service provider server 200 through the mobile communication subscriber terminal 100, the overseas mobile service provider server 200 may be connected to the domestic mobile service provider server 300. The first roaming information is transmitted (step S210). When the mobile subscriber leaves the country and turns on the mobile phone at the airport, the mobile subscriber terminal 100 attempts to communicate with the servers of the mobile carrier of the corresponding country. Based on the roaming service, since a specific domestic mobile communication company and an overseas mobile communication service provider are connected to each other, the mobile communication service server 200 may communicate with the established overseas mobile communication service provider server 200. The overseas mobile telecommunication service provider server 200 receives domestic roaming information including customer information such as serial number of the mobile telecommunication subscriber terminal 100 and information on a successful communication time. Send to

If the customer information of the mobile communication subscriber terminal 100 whose country information is changed is included in the mobile communication notification service subscriber information, the domestic mobile communication service provider server 300 includes the card company server 400 based on the received first roaming information. The second roaming information is transmitted with respect to step S220. The mobile communication server control unit 320 may generate the second roaming information by processing the first roaming information. For example, the first roaming information may include a plurality of pieces of information related to the communication state of the mobile subscriber station 100, but the second roaming information includes customer information, country information, and country information of the mobile subscriber station 100. The change time may be included.

The card company server 400 approves the card payment request based on the received second roaming information (step S230). When the card company server 400 receives the card payment request from the overseas card operator server 500, the information is matched by comparing the customer information and country information included in the second roaming information with the customer who requested the card payment and the requested country. Only approve card payment requests.

Referring to FIG. 3, the domestic mobile service provider server 300 stores the first roaming information in the second database unit 430 (step S221).

The mobile communication server control unit 320 included in the domestic mobile telecommunication service provider server 300 determines whether a subscriber having received the first roaming information is a subscriber of the mobile communication notification service due to a change in country information of the mobile communication subscriber station 100. (Step S223). The mobile communication server control unit 320 compares the customer information of the mobile communication subscriber station included in the first roaming information with the mobile communication notification service subscriber information and includes the customer information in the mobile communication notification service subscriber information (step S223, YES). The first roaming information is processed into second roaming information and transmitted to the card company server 400 (step S225).

If the customer information is not included in the mobile communication notification service subscriber information (step S223, NO), the subscriber that has changed the country does not perform a separate operation because it is not a service subscriber.

Referring to FIG. 4, the card company server 400 receives the second roaming information from the domestic mobile service provider server 300 and stores the second roaming information in the second database unit 430 (step S231). The second roaming information may be stored in specific databases of the second database unit 430, respectively.

The card company server 400 stores the country information of the card company notification service subscribers, and when receiving the payment request for the credit card of the card company notification service subscriber, the country information included in the card payment request, that is, the card of the customer The request for approval from the country is compared with the country information included in the second roaming information (step S233).

If the country where the credit card payment is requested matches the country information included in the second roaming information, it is determined that the credit card payment is requested in the country where the customer is located (step S233, YES), and the card company server control unit ( 420 approves the card payment request and notifies the overseas card operator server 500 (step S236).

* If the country information included in the card payment request is different from the country information included in the second roaming information (step S233, NO), since the card payment is requested in a country different from the country where the mobile subscriber terminal 100 is located, The card company server controller 420 rejects the card payment request approval (step S237). Since the card payment is requested in a country different from the country where the mobile subscriber station 100 is located, the card may be stolen and thus, such a card payment request may be rejected to prevent consumer damage due to card theft.

Referring to FIG. 5, based on the country information of the second roaming information, Hong OO is located in Japan, and even when it is based on the country information included in the card payment request information received from the overseas card operator server 500. Determines that the card payment request has been received, the card company server controller 420 transmits a payment approval message.

Kim △△ is determined to be located in the country when based on the second roaming information, but rejects the card payment request approval when a card payment request is received from the Spanish card company server 500 abroad. Similarly, the XX mobile communication subscriber terminal 100 communicates with the overseas card operator server 500 in the UK, but when the card payment is requested from Switzerland, it rejects the card payment request approval.

In the case of OO, the card payment request is approved because the country information of the second roaming information and the country information of the card payment request match.

Therefore, the credit card payment approval system and method according to an embodiment of the present invention by receiving the country information based on the mobile operator information communicated by the mobile subscriber station 100 compared with the country where the card payment request is received Determine whether to approve. In conclusion, it is possible to prevent card theft that frequently occurs in other countries by approving only the card payment request received in the country where the customer having the mobile communication subscriber terminal 100 is located.

Referring to FIG. 6, the card company server 400 receives second roaming information through the second transceiver 410 and stores the second roaming information in the second database unit 430 (step S231).

The card company server control unit 420 compares the customer information of the second roaming information with the card company notification service subscriber information, and determines whether the customer who received the second roaming information is a notification service subscription customer by changing the country (step S232). The subscriber information of the mobile communication notification service is compared in the domestic mobile service provider server 300, but the customer information may be compared in the card company server 400 by itself.

If the customer information of the second roaming information and the customer information of the card company notification service match (step S232, YES), the card company server control unit 420 updates the country information of the customer in the second database unit 430. The customer location database 433 included in the second database unit 430 may update the country information of the customer in real time.

When the card payment request is received from the overseas card operator server 500, the card company server controller 420 may store the country information of the customer stored in the second database unit 430, that is, the country information included in the second roaming information. And the country information included in the card payment request is determined to determine whether the card payment request is suitable (step S233).

If the country information included in the card payment request matches the country information included in the second roaming information (step S233, YES), the card company server control unit 420 approves the card payment request (step S236).

If the country information included in the card payment request does not match the country information included in the second roaming information (step S233, NO), a request is made to the domestic mobile service provider server 300 through the mobile communication subscriber terminal 100. The customer requests a card payment authorization (step S234).

If the customer approves the card payment request through the mobile subscriber station 100 (step S234, YES), the card payment request is approved (step S236). That is, when the country where the mobile communication terminal 100 is located and the country where the card payment is requested are different, the customer is notified through the mobile communication terminal 100, and in this case, whether the user wants to approve the card payment. To approve the card payment request.

If the customer does not approve the card payment request (step S235, NO), the card company server control unit 420 transmits information indicating that the card payment request cannot be accepted to the foreign card operator server 500. In this case, the customer may know that his or her card has been stolen in another country through the mobile subscriber station 100, and may take active measures such as reporting a loss.

Therefore, the credit card payment approval method and system according to an embodiment of the present invention secures the country information of the notification service subscriber based on the roaming system of the mobile communication operators, so that it occurs in the same country as the mobile terminal. Only card payment requests can be approved.

In addition, the credit card payment approval method and system according to an embodiment of the present invention, while using a conventionally established communication network, because it can prevent the theft of the card generated overseas by being provided with roaming information at a low cost abroad You can reduce the amount of damage caused by card theft.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes are possible within the scope not departing from the technical spirit of the present invention. It will be evident to those who have knowledge of.

Credit card payment approval method and system according to embodiments of the present invention can be used for credit card payment by the subscriber using a mobile phone, by blocking illegal card payment abroad based on the country information, It is possible to guarantee the security of card payments without fear of invasion of privacy by exposing location information.

Claims

Receiving, by the domestic mobile service provider server, first roaming information including mobile communication subscriber station communication information from a foreign mobile communication service provider when a country change occurs;

The domestic mobile service provider server generates the second roaming information by processing the first roaming information when the customer information of the mobile communication subscriber terminal is included in the mobile communication notification service subscriber information based on the first roaming information. Doing;

A card company server receiving and storing the second roaming information; And

When the card payment request is received, the card company server performs a card payment request when the country information included in the card payment request and the country information included in the second roaming information match based on the stored second roaming information. And if the country information is different, confirming whether to approve the card payment request to the mobile subscriber station.
The method according to claim 1,

The processing of the second roaming information may include:

Storing the first roaming information in a first database unit;

Comparing the customer information of the mobile communication subscriber station included in the first roaming information with the mobile communication notification service subscriber information stored in the first database unit; And

If the customer information is included in the mobile communication notification service subscriber information, extracting predetermined information negotiated with the card company server from the first roaming information, processing the second roaming information, and transmitting the extracted information to the card company server; Credit card payment authorization method comprising the.
The method according to claim 1,

Approving the card payment request,

Storing the second roaming information in a second database unit;

Comparing country information included in the card payment request with country information included in the second roaming information;

When the country information matches each other, the card payment request is approved. When the country information does not match, the mobile communication subscriber station information included in the second roaming information is extracted to query whether the card payment request is approved. step; And

Receiving a card payment request approval from the mobile subscriber station and confirming the card payment request approval.
The method according to claim 1,

Approving the card payment request,

And inquiring whether the card payment request is approved from the mobile subscriber station information even when the country information matches.
The method according to claim 1,

The mobile communication notification service subscriber information stored in the first database unit included in the domestic mobile communication service provider server may be further updated based on the card company notification service subscriber information stored in the second database unit included in the card company server. Credit card payment approval method characterized in that.
The method according to claim 1,

And the first roaming information includes customer information, country information, and country change time information of the mobile subscriber station.
In the case of a country change in the mobile subscriber station, the first roaming information including mobile communication subscriber station communication information is received from the overseas mobile service provider, and the customer information of the mobile communication subscriber station is included in the mobile communication notification service subscriber information. A domestic mobile communication service provider server which processes predetermined information among the first roaming information and transmits the second roaming information to a card company server; And

And a card company server for determining whether to approve the card payment request by comparing the country information included in the second roaming information with the country information included in the card payment request when a card payment request is received. Card payment authorization system.
The method according to claim 7,

The domestic mobile operator server,

A first database unit storing the first roaming information and mobile communication notification service subscriber information;

A mobile communication server controller which compares the first roaming information and the mobile communication notification service subscriber information to control information transfer to the card company server and processes the first roaming information into the second roaming information; And

And a first transceiver for receiving the first roaming information and transmitting the second roaming information.
The method according to claim 8,

The card company server,

A second transceiving unit configured to receive the second roaming information and to transmit the card payment request approval;

A second database unit for storing the second roaming information and card company notification service subscriber information;

Compare the second roaming information with the card company notification service subscriber information, and when the card payment request is received, approve the card payment request based on country information of the mobile subscriber station included in the second roaming information; And a card company server control unit which inquires of the mobile communication subscriber station whether the card payment request is approved based on the mobile communication subscriber information included in the second roaming information.
The method according to claim 9,

The mobile communication notification service subscriber information is updated based on the credit card company notification service subscriber information.