KR100592156B1 - Method and system for servicing debit commerce by using mobile communication network - Google Patents

Abstract

The present invention relates to a debit transaction service system using a mobile communication network and a service method thereof. The disclosed debit transaction service system obtains and registers member registration information including a mobile subscriber number and a bank account number input from clients (members). Debit which confirms payment details with the seller through the mobile terminal based on the processed member database and the transaction information input through the mobile terminal and the mobile communication network from the seller or buyer generated by the commerce between the clients. Account transfer by a financial institution performing a transfer service from a buyer's bank account included in the member registration information to the seller's bank account based on the payment history, at the request of the service server and the debit service server based on the payment history check result. Include servers, Having only a mobile terminal for mobile subscribers has the advantage of providing the convenience of depositing the commerce payment directly from the bank account to the seller's bank account and minimizing the risk of leakage of personal financial information. .

Description

Debit transaction service method using mobile communication network {METHOD AND SYSTEM FOR SERVICING DEBIT COMMERCE BY USING MOBILE COMMUNICATION NETWORK}

1 is a block diagram of a debit transaction service system using a mobile communication network according to the present invention;

2 is a flowchart illustrating a user registration procedure in a debit transaction service method using a mobile communication network according to the present invention;

3 is a flowchart for explaining a service request and execution procedure by a seller in a debit transaction service method according to the present invention;

Figure 4 is a flowchart for explaining the service buried and the execution procedure by the buyer in the debit transaction service method according to the present invention.

<Explanation of symbols for the main parts of the drawings>

10: seller mobile communication terminal 20: buyer mobile communication terminal

30: mobile communication network 40: network interworking device

50: debit service server 60: member database (DB)

70: bank common network 80/1 to 80 / n: account transfer server

The present invention relates to a debit transaction service using a mobile communication network, and more specifically, even if the subscriber does not own a separate cash, credit card, debit card, etc. for the mobile subscribers, the goods, services, etc. The present invention relates to a method of a direct debit transaction service using a mobile communication network which enables a direct bank transfer payment from a bank account to a seller's bank account.

As is well known, there are methods for paying for commerce such as goods and services in addition to cash payment, such as debit cards, credit cards, and online account transfer.

A debit card refers to a magnetic card issued by a user's bank. If a user enters a debit card into a terminal installed at a merchant after purchasing a product, the debit card becomes a payment request to the bank through a public telephone network and the user's The purchase price is immediately deposited from the bank account to the merchant's bank account.

A credit card refers to a magnetic card that a user issues from a credit card provider. When a user presents a credit card when he or she purchases a product and pays a bill, the credit card is checked by the card company and approved by the credit card company. Is performed and payment information of the amount is transmitted from the card company to the merchant. Rather than being paid immediately, the card company withdraws the payment from the bank after a certain period of time and pays the merchant the amount excluding the use of a certain percentage.

Online bank transfer is a method in which a user accesses his / her bank using a Dele banking service or an internet banking service and directly transfers the funds from his account to the seller's account.

However, the above-described conventional payment methods have several problems.

The debit card method has a hassle that a user always has to carry a debit card, and the debit card processing terminal is disposed at each affiliated store, and its penetration rate is very low at present.

Credit cards can also be a hassle for users to carry with them at all times. Especially, they can be used by others due to the loss and theft of credit cards. Merchants must pay a certain fee when paying for credit cards. There is a drawback that can only be received after a period of time.

In online bank transfer, the user has to enter the account information (own account number, opponent's account number, his / her account password, payment amount) directly in order to pay the bill, and the procedure is complicated and takes a long time. And there is a very high problem that personal financial information is leaked.

The present invention has been proposed to solve such a conventional problem, and even if the subscriber does not own a separate cash, credit card, debit card, etc. for mobile subscribers, if the mobile terminal only has a commerce payment of goods, services, etc. In order to maximize user convenience and security while operating the direct debit transaction service system using a mobile communication network, which enables users to immediately deposit money from their bank account to the seller's bank account. The objective is to provide an optimal debit transaction service method.

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The debit transaction service method using a mobile communication network according to the present invention for realizing the above object comprises the steps of: obtaining member registration information including a mobile subscriber number and a bank account number from clients (members); Receiving member identification information and commerce information through a mobile communication terminal and a mobile communication network from a seller generated by the commerce between the clients; Receiving payment details from the buyer through the mobile communication terminal based on a result of comparing the member registration information and member identification information with the seller based on the commerce information; And optionally performing a transfer service from the buyer's bank account to the seller's bank account based on the payment details according to the confirmation result.

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There may be a plurality of embodiments of the present invention. Hereinafter, preferred embodiments will be described in detail with reference to the accompanying drawings. Through this embodiment, it is possible to better understand the objects, features and advantages of the present invention.

1 is a block diagram of a debit transaction service system using a mobile communication network according to the present invention.

As described above, the debit transaction service system of the present invention is inputted from the clients (members) through the mobile communication terminals 10 and 20 held by the clients, the mobile communication terminals 10 and 20 and the mobile communication network 30. A member database (DB) 60 obtained by processing and obtaining member registration information including mobile subscriber number and bank account number, and a mobile communication terminal 10 or 20 from a seller or a buyer generated by the commerce between the clients. And when the member identification information and the commerce information are input through the mobile communication network 30, the mobile terminal (S2) may selectively set payment details with the seller based on the commerce information according to the comparison result of the member registration information and the member identification information. 10, 20 and the debit service server 50 to be confirmed by the buyer through the mobile communication network 30, the payment history confirmation decision In accordance with an optional request of the debit service server 50 based on the bank transfer network 70 transfers the transfer service from the buyer's bank account included in the member registration information to the seller's bank account based on the payment details. It is composed of account transfer servers 80/1 to 80 / n of the financial institution to perform through.

In the drawing, reference numeral 40 denotes a network interworking device that enables data transmission and reception using a mobile communication terminal without a separate wireless modem because it has functions of a modem and a PPP server, for example, an IWF (Inter-Working Function). .

A debit transaction service system using a mobile communication network and a service method therefor according to the present invention configured as described above will be described in more detail with reference to FIGS. 1 to 4.

First, the clients operate the mobile communication terminal (10, 20) to access the wireless data service provided by the mobile communication service side through the mobile communication network 30 and then connect to the Internet, provided by the debit service server 50 Access the web site to join the member according to the predetermined membership registration procedure (S201).

The client selects a member registration from the initial menu screen provided by the debit service server 50, and if a member registration menu screen is provided again, the client inputs various member registration information such as his mobile subscriber number and bank account number ( S202 to S206). In this case, a user ID (User ID) using numbers and alphabets combined is assigned to the client, which is determined by the client in the category of avoiding duplication with existing members.

The member registration information thus input is transferred to the debit service server 50 via the mobile communication network 30 and the network interworking device 40, and the debit service server 50 is a mobile communication terminal registered with the corresponding mobile subscriber number. Send a message to the bank account number to request confirmation of the client (S207).

When the client confirms the coincidence of the bank account number by operating a specific button of the mobile communication terminal, the client has been registered as a member and has notified the mobile communication terminal that member registration has been completed. Here, the debit service server 50 processes and indexes the member information, encrypts it, and constructs the member DB 60 (S208 to S210).

In the above, the membership registration process is performed online through the mobile communication terminals 10 and 20 and the wireless Internet. However, after the client accesses a website using a separate computer and a web browser, the same process as described above is performed. Depending on the membership registration process may be performed, or may be performed offline by direct visit or mail.

In the case where the emphasis is placed on the convenience of the client for the service, it is preferable to follow the above-described embodiment of the present invention. However, when the emphasis is placed on the security, the procedure of performing the membership offline is performed as in the derivative of the present invention. It is preferable. This is because source leakage of financial information due to wiretapping or interception can be blocked.

Subsequently, when a transaction occurs between clients registered as members through the membership registration process, one of the seller and the buyer by the commerce requests a debit transaction (payment) service using his mobile terminal.

3 shows a service request by a seller and a procedure of performing the same.

In order to request a payment service, a seller enters his or her member identification information and goes through the member authentication process by the debit service server 50. The member identification information used for member authentication is a unique number given in the member registration procedure. And the mobile subscriber number of the client or the ESN number of the mobile terminal.

Here, in order to prevent illegal use by others and to increase convenience in use, the user's unique number assigned in the membership registration procedure is input as the seller (service requester) identification information, and the mobile communication subscriber number is the buyer (relative party) identification information. It is preferable to input a (S301-S302).

The member authentication procedure performed by the debit service server 50 is based on a result of the comparison between the member identification information entered by the seller and the member registration information stored in the member DB 60, and optionally as a member only when the two information matches. It is certified. That is, the debit service server 50 searches for the member registration information of the member DB 60 and checks whether the stored mobile communication subscriber number corresponding to the user's unique number of the seller matches the subscriber number of the mobile communication terminal currently requesting service. If only the subscriber number is matched, the service requester authenticates as a normal member (S303).

The seller, who has undergone the member authentication process, inputs commerce information such as a payment amount by commerce, and the debit service server 50 which has received this checks the payment details (information) based on the commerce information with the seller mobile communication terminal 10. When the request is made to confirm the corresponding payment details (S304 to S306).

When the payment history verification process by the seller is completed, the debit service server 50 sends a message of the payment history and the seller information to the buyer mobile terminal 20 to request the payment approval from the buyer, and the buyer confirms the mobile terminal ( By operating the keypad of 20), an account password corresponding to the bank account input in step S206 is input (S307 to S309).

The debit service server 50 receiving the account password from the buyer retrieves the seller's and buyer's identification information from the member registration information encrypted and stored in the member DB 60 and stores the bank account numbers of the seller and the buyer corresponding to the identification information. Is obtained, and is transferred to the corresponding bank through the bank common network 70 together with the payment details (payment amount) confirmed in step S306 and the account password input in step S309.

The account transfer server 80 installed in the bank checks whether the account password entered by the buyer matches the registered account password according to the account transfer request transmitted through the bank common network 70. The transfer service from the buyer's bank account to the seller's bank account is performed based on the payment details.

In addition, if a plurality of bank account numbers are registered during the registration process of step S206, all bank account numbers are displayed on the seller mobile terminal 10 by the debit service server 50, and the seller selects one bank account number. Done. Here, in consideration of security, it is preferable to identify only a few digits without displaying all the digits of the bank account number, and may be indicated by a bank code and the like instead of the bank account number.

The result of performing the account transfer service is transferred from the bank transfer server 80 of the bank to the debit service server 50 again through the bank common network 70, and the debit service server 50 is the seller mobile communication terminal 10. And the purchaser mobile communication terminal 20 to notify that the transfer of the payment amount is completed.

If the payment details are not approved by the buyer in step S308, the debit service server 50 notifies the seller mobile communication terminal 10 that an error has occurred, and the account password input by the buyer in steps S309 to S310 is displayed. If the discrepancy is determined several times, it is desirable to notify the seller mobile communication terminal 10 that an error has occurred.

4 shows a service request by a purchaser and a procedure of performing the same. As can be easily seen through comparison with FIG. 3, the subject of a service request is changed from a seller to a buyer, and the specificity of the service performing procedure is different from all the information including payment details, unlike the above-described service performing procedure by the seller. Is that the verification process is performed by the buyer.

The overall flow is the member authentication procedure (S401 to S403) according to the buyer's request for payment service, the transaction information input procedure (S404 to S405) by the buyer, the payment history confirmation procedure (S406) by the buyer, and the account password input by the buyer. The procedure (S407), the debit service server and the transfer service performing procedure by the account transfer server (S408 ~ S411).

In the member authentication process (S401 to S403), the purchaser enters his or her member identification information to request a payment service and goes through a member authentication process by the debit service server 50. In contrast to S302 of FIG. 3, in order to improve the convenience of use, it is preferable to input a user identification number given in the member registration procedure as the purchaser identification information and a mobile communication subscriber number as the seller identification information.

As described above, the service request and the execution procedure led by the purchaser can be easily inferred and understood through the flowchart of FIG. 4 and the above-described description of FIG. 3.

As described above, the present invention provides a mobile communication subscriber with a mobile communication terminal even if the subscriber does not own a separate cash, credit card, debit card, etc. Provides the convenience of making an immediate bank transfer deposit to a bank account.

In addition, if the financial information is entered during the initial membership registration, financial transactions can be performed only with the member identification information, that is, the mobile subscriber number, and the membership registration information is encrypted and stored, thereby reducing the risk of personal financial information leakage. In particular, in the case of performing the member registration process offline, it is possible to block the leakage of financial information by tapping or tapping.

Claims (8)

delete delete Obtaining member registration information including mobile communication subscriber number and bank account number from clients (members); Receiving member identification information and commerce information through a mobile communication terminal and a mobile communication network from a seller generated by the commerce between the clients; Receiving payment details from the buyer through the mobile communication terminal based on a result of comparing the member registration information and member identification information with the seller based on the commerce information; And And optionally performing a transfer service from the buyer's bank account to the seller's bank account based on the payment details according to the member registration information. The method of claim 3, wherein Debit transaction service method using a mobile communication network further comprising the step of notifying the seller and the buyer's mobile terminal of the result of the transfer service. The method according to claim 3 or 4, The clients operate the mobile communication terminal to connect to the Internet through the mobile communication network, access a specific web site, and input the member registration information according to a predetermined member registration procedure. Service method. The method according to claim 3 or 4, The member registration information is encrypted and stored, the debit transaction service method using a mobile communication network. The method according to claim 3 or 4, Wherein the member identification information input step is a debit transaction service method using a mobile communication network, characterized in that any one of the user's unique number, the mobile communication subscriber number, the ESN number of the mobile communication terminal to input separately. The method according to claim 3 or 4, Determination of payment details with the seller by the buyer is a debit transaction service method using a mobile communication network, characterized in that by inputting the account password of the bank account number included in the member registration information.

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