- Credit card and on-line financial business method using on Position Information of Mobile Communication Terminal

摘要

The present invention relates to a credit card and an on-line financial transaction method using location information of a mobile communication terminal.;The purpose of the present invention is to find out after the credit card user tracks the location information of the creditor by using the credit card owner's mobile communication terminal when the credit card user requests approval from the credit card merchant for payment of goods or other services. The purpose of this is to make the credit card transaction more secure by configuring the payment approval only when the location information of the creditor and the location information of the credit card owner are within a certain margin of error.;According to an aspect of the present invention, there is provided a credit card and an on-line financial transaction approval system using location information of a mobile communication terminal, the method comprising: becoming a user of the financial transaction approval service by performing a predetermined contract procedure in advance; If the credit card user requests the payment for the use of the credit card at the merchant in return for goods or goods, the credit card company determines whether to approve, and the mobile communication exchange system tracks the location through the credit card owner's mobile communication terminal; Next, providing the location information confirmed in the mobile communication switching system to the credit card company; The credit card company checks the location information of the credit card owner's mobile communication terminal and the location information of the credit card affiliate store, and includes the steps of approving the transaction if the tolerance is within the tolerance range and canceling the transaction approval if the tolerance is out of the tolerance. It is characterized by.;In another aspect, the present invention provides an electronic commerce method using the location information of a mobile communication terminal and a computer system capable of the Internet, comprising the steps of: becoming a user member of the financial transaction approval service through a predetermined agreement procedure; Requesting a payment by a credit card user using a credit card or the like in exchange for goods or goods through the Internet; Credit card companies and financial companies request e-commerce approval signals by requesting tracking of IP addresses from companies that provide location information of mobile communication terminals owned by credit card holders and high-speed Internet information services or e-commerce service providers. Requesting location information of the generated computer or terminal system; Next, the mobile communication company and the high-speed information communication service company or the e-commerce service company provide the credit card company with the location information of the identified mobile communication terminal and the computer or the terminal system; The credit card company approves the transaction if the location information is within tolerance, using the location information of the computer terminal tracked using the location information and IP address information of the credit card owner's mobile communication terminal. It is characterized in that it comprises a step of taking measures such as cancellation.