Mobile card payment system for performing card payment between mobile communication terminals and method therefor

Abstract

The present disclosure relates to a mobile card payment system and method, and more particularly, to a mobile card payment system and method for performing a card payment between mobile communication terminals on the basis of a phone-to-phone payment concept wherein the mobile card payment system is capable of performing a card payment by storing at least one of actual card information and virtual card information regarding normal financial cards including an actual financial card, which has a plastic solid body, and a digital financial card, in which actual card information is stored in a digital type and used, in a card-terminal-specific mobile communication terminal, setting a payment-terminal-specific mobile communication terminal as a card payment terminal, and reading the card information stored in the card-terminal-specific mobile communication terminal.

1 . A card payment method through transmission and reception of data between a first mobile communication terminal, which stores information regarding an actual financial card to be used for a payment, and a second mobile communication terminal, which has a payment terminal application (payment terminal app) installed therein for processing a payment based on the actual financial card, the first mobile communication terminal is permitting the second mobile communication terminal to use the actual financial card to make the payment, the card payment method comprising:
 receiving, by a server, a request for payment approval, from the second mobile communication terminal;   determining, by the server, whether to approve a validity of the second mobile communication terminal;   when the checking of the validity of the second mobile communication terminal is successful, transmitting, by the server, to the second mobile communication terminal, an approval signal;   setting, by the second mobile communication terminal, the state of the second mobile communication terminal to the card payment standby state, in response to the receiving the approval signal;   receiving, by the second mobile communication terminal in the card payment standby state, from the first mobile communication terminal, via a near field communication (NFC) connection between the second mobile communication terminal and the first mobile communication terminal, virtual financial card information and identification information of the first mobile communication terminal, wherein the virtual card information is corresponded to the actual financial card that is selected to be used for the payment by a user of the first mobile communication terminal;   receiving, by the server, from the second mobile communication terminal, price information, the virtual financial card information;   writing, by the server, a transaction statement by using the virtual financial card information and the price information;   transmitting, by the server, the written transaction statement to the card company system;   receiving, by the second mobile communication terminal, from the card company system, a payment approval result associated with the transaction statement;   generating, by the second mobile communication terminal, a transaction slip by using the payment approval result; and   transmitting, by the second mobile communication terminal, the transaction slip to the first mobile communication terminal,   wherein the card payment standby state is the state of the second mobile communication terminal obtained the price information by a first input of a user of the second mobile communication terminal.   
     
     
         2 . The card payment method of  claim 1 , wherein the first input of the user of the second mobile communication terminal input further includes a product name, an installment, the number of installment months, use of coupons, coupon information. 
     
     
         3 . The card payment method of  claim 1 , further comprising, before the first step:
 receiving, by the server, the payment terminal app use approval request including payment terminal registration information and the app ID of the payment terminal app in response to the second mobile communication terminal detecting an occurrence of a payment terminal registration event; and   determining whether to approve the use of the payment terminal app installed in the second mobile communication terminal using the app ID included in the payment terminal app use approval request and performing a process for running the payment terminal app when the approval is determined, by the server.   
     
     
         4 . The card payment method of  claim 3 , wherein the process for running the payment terminal app includes:
 requesting and receiving the payment terminal registration information from the second mobile communication terminal;   generating installation authentication code of the payment terminal app in response to the reception of the payment terminal registration information; and   transmitting the generated installation authentication code to the second mobile communication terminal, wherein:   the installation authentication code is data that is stored in the payment terminal app by the second mobile communication terminal to enable execution of the payment terminal app; and   the payment terminal registration information includes information indicating the second mobile communication terminal and member shop information input by the user of the second mobile communication terminal.   
     
     
         5 . The card payment method of  claim 4 , wherein the process for running the payment terminal app further comprises:
 monitoring reception of a signal for running the payment terminal app after the performing of the process for running the payment terminal app;   registering the second mobile communication terminal included in the payment terminal registration information as a card payment terminal of a member shop corresponding to the member shop information included in the payment terminal registration information and generating unique payment terminal identification information when the signal for running the payment terminal app is received;   transmitting the generated unique payment terminal identification information to the second mobile communication terminal, wherein the unique payment terminal identification information is stored in the payment terminal app; and   transmitting a payment terminal registration log including the unique payment terminal identification information to the card company system, wherein the payment terminal registration log is registered and stored in the card company system.   
     
     
         6 . The card payment method of  claim 1 , wherein the virtual financial card information is obtained by the first mobile communication terminal performing the user of the first mobile communication terminal authentication when a card payment event occurs, receiving a financial card selected to be used from one or more pieces of financial card marker information installed and stored in the first mobile communication terminal, transmitting a virtual financial card information issuance request for the selected financial card to the card company system, and receiving a response to the transmission. 
     
     
         7 . The card payment method of  claim 6 , wherein the virtual financial card information issuance request is transmitted to the card company system only when the user of the first mobile communication terminal authentication performed when the card payment event occurs is successful.