System for providing card payment service by using smart device and method therefor

Abstract

A system for providing a card payment service by using a smart device and a method therefor are disclosed. The system for providing a card payment service, according to the present invention, comprises: a card reader for performing user authentication by using a password of a user who uses a card, determining whether the card is a forged card on the basis of the authentication result, acquiring card information from the card according to the determination result, encrypting the acquired card information and transmitting the encrypted card information; a smart device for receiving the encrypted card information, generating payment information containing the received card information, a payment amount, and franchise information, and transmitting the generated payment information; a relay server for transferring the transmitted payment information; and a payment processing server for receiving the transferred payment information and processing card payment on the basis of the card information, the payment amount, and the franchise information included in the received payment information.

Description

technical field [0001] The present invention relates to a scheme for providing card payment services, and in particular to a system method for providing card payment services using smart devices. In the case of acquiring card information, the method encrypts the acquired card information based on the encrypted At this time, the user's password is also received while acquiring the card information, so that user authentication is performed using the received user's password. Background technique [0002] With the expansion of electronic payment infrastructure, credit payment services based on card payment such as credit cards, check cards, debit cards (hereinafter, referred to as credit cards) have become popular. The credit payment service is a payment method using electronic payment infrastructure. In this payment method, after the user purchases a product or service through card payment, he pays a loan for the product or service to a financial institution such as a credit c...

AI Technical Summary

Problems solved by technology

[0005] This kind of wireless card terminal is made as a dedicated terminal for credit card payment, so it is relatively expensive, and there are difficulties in the management and operation of the wireless card terminal because each mobile salesperson in the franchise store needs to carry the wireless card terminal

[0006] Recently, the POS (Point Of Sales system) system using smart terminals has been used, but in the case of using the existing POS system, the counterfeiting (tamper) of RFID and other information frequently occurs

In addition, in the case of credit cards, accidents often occur where card information collected on smart devices or computers is cracked and exposed

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