US 2025/0029088 A1Published application

Card payment system and method having function of identifying location of use of card registered in dedicated application and location of dedicated application

OwnerHee Young PARKinventor

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Abstract

Proposed are a card payment blocking system and method using a card location identification function of a dedicated application. More particularly, provided is a payment method, in which when a user makes payment by a card registered in a dedicated application using a card location identification function of the dedicated application, payment is approved if location information of a terminal on which the dedicated application is installed and location information of an affiliated store POS device or an online affiliated store at which the card is used exist inside a set identification area, or payment is blocked if the two pieces of information exist outside the set identification area.

Claims12

Dependent claims

A card payment system having a function of identifying a location of use of a card registered in a dedicated application and a location of the dedicated application, the system comprising:

a user terminal (1) configured to purchase an object and a service online or offline by the card;
an affiliated store POS device (2a) configured to sell the object and the service offline, and forward location information of the affiliated store POS device and a card payment approval request;
an online affiliated store (2b) configured to sell the object and the service online through an application and a webpage, and transmit IP address information of the online affiliated store and the card payment approval request;
a central server (3) configured to forward a card payment-related request and approval, and perform identification area recognition (31) for the location information forwarded from the affiliated store POS device or the online affiliated store in which payment is executed by the card and for location information of the user terminal on which the dedicated application is installed;
a POS server (4a) configured to transmit the location information of the POS device and a card payment request to a bank/card company server or the central server;
an online affiliated store server (4b) configured to forward the IP address information of the online affiliated store and the card payment request to the bank/card company server or the central server;
the bank/card company server (5) configured to determine whether to approve the card payment approval request from the POS server or the online affiliated store server, and notify the POS server of a response;
and
the dedicated application (30) configured to provide a card location identification function through the user terminal.

6 more elements

A card payment method having a function of identifying a location of use of a card registered in a dedicated application and a location of the dedicated application, the method comprising:

transmitting a card payment approval request from an affiliated store POS device (2a) to a POS server (4a) when payment is executed using the card for which a card location identification function is activated;
forwarding the card payment approval request from the POS server to a bank/card company server (5) and simultaneously, transmitting information of the card, transaction details, and location information of the affiliated store POS device to the bank/card company server;
transmitting the location information of the affiliated store POS device to a central server (3) after the bank/card company server recognizes a payment request;
and
performing, by the central server, identification area recognition (31) for the location information of the POS device and location information of a user terminal to determine whether to approve payment,
wherein after the performing, by the central server, of identification area recognition for the location information of the POS device and the location information of the user terminal to determine whether to approve payment, the method comprises
transmitting, when the central server recognizes that the two pieces of location information exist together in a set identification area, payment approval information of a user to the bank/card company server after transaction detail recognition and final payment request approval are executed through the dedicated application, and performing card validity verification and payment request approval and transmitting a payment completion signal by the bank/card company server to the POS server and the central server to complete card payment;
or
blocking payment when the central server recognizes that the two pieces of location information do not exist together in the set identification area.

6 more elements

A card payment method having a function of identifying a location of use of a card registered in a dedicated application and a location of the dedicated application, the method comprising:

attempting to execute payment at an online affiliated store (2b) by selecting, as a payment means, input of a card number of the card for which a card location identification function is activated;
transmitting a card payment approval request from the online affiliated store to an online affiliated store server (4b);
transmitting IP address information and a payment request from the online affiliated store server (4b) to a bank/card company server (5);
forwarding the IP address information from the bank/card company server to a central server (3);
and
recognizing and analyzing, through identification area recognition (31) by the central server, location information of a user terminal and location information of a place where online payment is requested,
wherein after the recognizing and analyzing of, through identification area recognition by the central server, the location information of the user terminal and the location information of the place where online payment is requested, the method comprises
transmitting, when the central server recognizes that the two pieces of location information exist correctly in a set identification area, payment approval information of a user to the bank/card company server after transaction detail recognition and final payment request approval are executed through the dedicated application, and performing card validity verification and payment request approval and transmitting a payment completion signal by the bank/card company server to the online affiliated store server and the central server to complete card payment;
or
blocking payment when the central server recognizes that the two pieces of location information do not exist in the set identification area.

7 more elements

Dependencies are inferred from the claim text.

Facts

Application: 18/909,316Filed 8 Oct 2024
Priority: KR 10-2023-006071810 May 2023
Published: 23 Jan 2025
Term ends: Not estimatedThe source records don’t support an estimate.

Classification10 codes

G06Q 20/3224
Aspects of commerce using mobile devices [M-devices]: transactions dependent on location of M-devices
G06Q 20/02
Payment architectures, schemes or protocols: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/202
Point-of-sale [POS] network systems: interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network…
G06Q 20/3263
Payment applications installed on the mobile devices: characterised by activation or deactivation of payment capabilities