CROSS REFERENCE TO RELATED APPLICATION

The present application claims priority to Korean Patent Application No. 10-2021-0106716, filed Aug. 12, 2021, the entire contents of which is incorporated herein for all purposes by this reference.

BACKGROUND OF THE INVENTION

Field of the Invention

The present disclosure relates to a payment method and system through generation of a one-time payment-only number of a real card linked with an application. In particular, the present disclosure relates to a payment method and system through generation of a one-time payment-only number of a real card linked with an application, wherein in order to make payment safely by generating a one-time payment-only number every payment without leaving card information of a user in a provider's payment terminal (for example, a POS terminal), when a real card is linked with an application installed on a user terminal, such as a smartphone, and the payment terminal recognizes the real card, a user signature input window, and transaction information about payment performed with a one-time payment-only number generated by a card company server are displayed on a screen of the application of the user terminal, payment is performed when a signature of the user is input to the signature input window, the linked real card is used for payment only with the one-time payment-only number generated by the application, the one-time payment-only number is used again every payment, and it is impossible to perform payment outside the application.

Description of the Related Art

In general, many of users who purchase products or services pay purchase prices using real cards such as credit cards or check cards. Herein, the transaction method is that the user makes card payment using a real card, such as a credit card or a check card, at a payment terminal (POS terminal) in an offline store of a provider. The procedure is as follows. The user swipes a real card for payment through, touches it to, or inserts it into a reader of the payment terminal to transmit a real card number to the payment terminal. The payment terminal transmits the card number and transaction information (a payment amount, an affiliated store name of a provider) to a VAN (value-added network=enhanced service=value-added data service) company server to request payment approval. The VAN company server transmits the card number and the transaction information to a card company server to request payment approval for the transaction. The card company server checks the card number and the transaction information and gives notification of payment approval to the payment terminal via the VAN company server, thereby completing payment. However, the credit card that the user has lost or that has been stolen may be used by someone else for payment. Alternatively, card information, such as a card number, an expiration date, and a CVC number, may be stolen by someone to make an illegal payment at some online sites where payment can be made without passwords. The total amount of global credit card fraud caused by such credit card theft reached about 33 trillion won (Bank of Korean statistics) in 2018.

In the related art, to solve a problem of such credit card theft, there is Korean Patent No. 10-1330943 (registration date: 12 Nov. 2013), titled “PAYMENT METHOD USING ONE-TIME CARD INFORMATION”, wherein as shown inFIG. 1, a payment device (=user terminal) uses an application to be issued with a one-time payment-only number from a card company server and make payment. In the related art, however, if someone hacks or steals user's one-time card information (=card number) or real card number and uses it for an illegal payment, the user recognizes this after the theft case occurs. Therefore, the occurrence of the case cannot be prevented in advance, and the payment price is paid within a payment limit. Thus, even when the provider accidentally or intentionally inputs an excessive payment amount, the user may not be aware of this in advance and the payment may be approved. In addition, in the process of performing payment, rather than touching the real card to the payment terminal or inserting the real card into the payment terminal, which is familiar to the provider, the payment method using only the payment device (=user terminal) may cause confusion and inconvenience to the provider and the user, resulting in payment delay.

The foregoing is intended merely to aid in the understanding of the background of the present disclosure, and is not intended to mean that the present disclosure falls within the purview of the related art that is already known to those skilled in the art.

DOCUMENT OF RELATED ART

(Patent Document 1) Korean Patent No. 10-1330943 (registration date: 12 Nov. 2013) “PAYMENT METHOD USING ONE-TIME CARD INFORMATION”.

SUMMARY OF THE INVENTION

The present disclosure is directed to maximize user convenience and financial safety by introducing an innovative payment method having the advantages as follows: maintaining a familiar card payment method in which a user touches a real card to a payment terminal of a provider or inserts the real card into the payment terminal in an offline store; generating and using a one-time payment-only number through an exclusive application installed on a user terminal to prevent a real card number from being exposed, thereby enhancing security of personal information. In addition, in order to solve a problem that when a real card or a real card number is stolen and used by someone, a user recognizes the fact through a payment notification SMS message after the theft case, that is, after payment is already completed, the present disclosure is directed to providing a payment method and system through generation of a one-time payment-only number of a real card linked with an application, wherein a user terminal is linked with a real card so that the user is able to confirm the transaction information (a payment amount, a payment item, and an affiliated store name of a provider) about for all payment approval signature requests related to the real card that the user owns, in advance through the user terminal and writes the signature to determine whether to approve payment by the user personally, and the user owns a real synchronization card linked with the application from the time of initial issuance and conveniently makes payment in the payment terminal in the same manner as with a real card.

According to the present disclosure, there is provided a payment method through generation of a one-time payment-only number of a real card linked with an application, the payment method including: inputting real card information, such as a real card number, of a user to the application installed on a user terminal, and transmitting the real card information from the application to a card company server to complete setting of a link between the application of the user terminal and the real card; inputting transaction information, such as a payment amount for the product or the service that the user purchases from a provider, to a payment terminal; recognizing the real card of the user by the payment terminal, and transmitting the real card number from the real card to the payment terminal; transmitting the transaction information from the payment terminal to a VAN company server, and making a request for transaction approval from the payment terminal to the VAN company server; making a request for generation of the one-time payment-only number from the application to the card company server; generating, by the card company server, the one-time payment-only number that is used for transaction approval with respect to the real card number and the transaction information; transmitting the one-time payment-only number from the card company server to the application; transmitting the transaction information from the VAN company server to the application of the user terminal, making a request to the user for confirmation and a signature, and displaying the transaction information and a signature input window to the user through the application of the user terminal; inputting the signature of the user to the signature input window of the application of the user terminal; transmitting the signature of the user from the application of the user terminal to the VAN company server; transmitting the transaction information and the signature of the user from the VAN company server to the card company server, and making a request for transaction approval from the VAN company server to the card company server; transmitting an approval number from the card company server to the VAN company server when the card company server approves transaction, and giving notification of transaction approval from the card company server to the VAN company server; giving notification of payment completion from the VAN company server to the application of the user terminal, and outputting a transaction receipt screen to the user terminal; transmitting the one-time payment-only number and the approval number from the VAN company server to the payment terminal, and giving notification of transaction approval from the VAN company server to the payment terminal; and outputting a transaction receipt to be provided to the user from the payment terminal.

According to the present disclosure, the payment method and system through generation of a one-time payment-only number of a real card linked with an application may have effects as follows. First, by adopting a method in which a user touches a real card to a payment terminal of a provider or inserts the real card into the payment terminal in an offline store in the same manner as in the related art, the payment method and system are convenient for both the provider and the user to use. Second, the one-time payment-only number is generated using an exclusive application installed on the user terminal and is used, so that the real card number can be prevented from being exposed to the outside as much as possible and security of personal information can be enhanced. Third, in order to solve the problem that when a real card or a real card number is stolen and is used by someone, the user recognizes the fact through a payment notification SMS message after the theft case, that is, after payment is already completed, the user terminal is linked with the real card so that the user can confirm the transaction information (a payment amount, a payment item, and an affiliated store name of a provider) about all payment requests related to the real card that the user owns, in advance through the user terminal and writes the signature to determine whether to approve payment by the user personally, thereby recognizing illegal card theft attempts in advance and blocking the same. Fourth, the user can own a real synchronization card linked with the application from the time of initial issuance and can conveniently make payment in the payment terminal in the same manner as with a real card. Fifth, the card registered in the application can be temporarily suspended and transaction can be conducted only with the linked application and the one-time payment-only number. When handwriting input of the card number is required, transaction can be conducted by inputting the one-time transaction number, so that even when the issued card is leaked to the outside, it is impossible to use the card outside, thereby preventing theft and enhancing security.

