KR100786268B1 - Method and system for providing payment service using sms mobile terminals - Google Patents

Abstract

A method and a system for providing a payment service using a SMS(Short Message Service) in mobile terminals are provided to enlarge mobile payment markets by using a new mobile payment model coupled with an off-line advertisement media. A SMS(Short Message Service) server receives SMS information from a SMS center, detects prefix value from the SMS information, and delivers the received message to a payment service server(S1). The payment service server requests for a callback SMS(S2) to be transmitted to the telephone number of a transmitter. A SMS server transmits the callback SMS to the telephone number of the transmitter(S3). The payment service server extracts CP and goods codes from the message(S4). The payment service server requests goods information to a contents server(S5). The payment service server generates payment pages including the goods information and transmits the generated pages to moving terminals(S6). The payment service server transmits payment information delivered from a buyer to a payment server of a credit company(S7). The payment service server stores payment result information in a DB and transmits WAP(Wireless Application Protocol) pages to the moving terminals. Then, payment process is terminated(S8).

Description

Method and system for providing payment service using SMS of mobile terminal {Method and system for providing payment service using SMS mobile terminals}

1 is a system configuration diagram showing a payment service providing system using SMS of a mobile terminal according to an embodiment of the present invention;

2 is a functional block diagram showing a configuration of a payment service server applied to a payment service providing system using SMS of a mobile terminal according to the present invention;

3 is a functional block diagram showing a configuration of a content server applied to a payment service providing system using SMS of a mobile terminal according to the present invention;

4 is a flowchart illustrating a payment service providing method using SMS of a mobile terminal according to an embodiment of the present invention;

5 is an operation flowchart showing the operation of each component of the payment service providing system using SMS of the mobile terminal according to the present invention;

FIG. 6 is a procedure illustrating a process in which a seller of a seller server according to the present invention advertises a product with a special number assigned through various advertisement media, and a user acquires a special number of a product advertisement advertised by the seller.

7 is a system configuration diagram illustrating a configuration in which a payment service providing system using an SMS of a mobile terminal according to the present invention is applied to a wired network.

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

110: mobile terminal 120: mobile network

130: SMS Center 140: SMS Server

150: payment service server 151: interface unit

152: WAP connection unit 153: Storage unit

154: message detection unit 155: callback URL generation unit

156: payment page generation unit 157: control unit

160: content server 161: first interface unit

162: second interface unit 163: product information storage unit

164: CP code management unit 165: control unit

170: credit card company payment server 180: sales company server

190: Internet network 200: email server

210: user interface

The present invention relates to a payment service providing method and system using SMS of a mobile terminal, and more particularly, a user of a mobile terminal transmits a product purchase intention by inputting and transmitting a special number in an SMS receiving field, and then URL information. Method and system for providing a payment service using an SMS of a mobile terminal that provides a mobile payment service of a new method of receiving a callback SMS including a user accesses a purchase page through a WAP and inputs purchase information to complete a payment will be.

Recently, with the rapid development of mobile communication technology and the expansion of mobile terminals, mobile communication is deeply in our lives, and users who use mobile devices based on such mobile communication technology can access the Internet regardless of time and place. You can download music, listen to music, and enjoy shopping.

In addition, they have been provided with various services such as watching TV or chatting, and are also used as a mobile payment method.

Currently, the mobile payment service of the mobile terminal operator is a dongle method for directly contacting the mobile terminal at an access point for payment or a method for performing payment after directly accessing a subscriber WAP page.

Such a conventional payment service method is a general method in which a user calls an ARS or directly accesses a product sale page on a mobile terminal, enters credit card information, and purchases a product. There is a cumbersome problem in using the mobile payment service of the user, such as a mandatory process of directly accessing the page, which lowers the immediateness and convenience of the mobile payment service.

Accordingly, the present invention has been made to solve the above-mentioned conventional problems, the object of the present invention is to input the special number of the goods found through the various advertising media in the SMS receiving field, and then transmit URL information The mobile terminal user receiving the callback SMS accesses the purchase page through the WAP and enters the purchase information to complete the payment, thereby increasing the instantaneous convenience and convenience of the mobile payment using the mobile terminal. To provide a payment service providing method and system using SMS.

In order to achieve the above object, the present invention transmits a special number of a product obtained through an advertisement medium into a received number of an SMS writing screen, and transmits the received number of the product through a URL included in the callback SMS. A mobile terminal accessing the corresponding purchase page and inputting purchase information and payment information to perform a purchase and payment process; Receive the SMS message containing the special number from the mobile terminal via the mobile network and the SMS center, detect the prefix value from the special number of the SMS message, find the routing target, and then transfer the received message to the payment service server. An SMS server for transmitting the callback SMS including URL information from the payment service server and providing the callback SMS to the mobile terminal; Analyzing the message received from the SMS server, detecting the special number value and the sender's telephone number (MDN), generating a callback SMS including the URL information and requesting transmission to the SMS server. When the purchase information is accessed and provided, the CP code and the product code are extracted from the purchase information, and the product information is requested and provided to the content server using the combined value of the extracted CP code and the product code. Generates a page and sends it to the mobile terminal to receive payment information, transmits the payment information to a credit card company payment server, receives payment result information, stores it in a corresponding DB, and then sends a payment completion message to the mobile terminal. Service server; A content server for requesting product information from the payment service server and providing corresponding product information to the payment service server; And a credit card company payment server that receives payment information from the payment service server and performs a corresponding payment processing process and provides corresponding payment result information to the payment service server. Provides a payment service providing system utilized.

In order to achieve the above object, the present invention provides a SMS through a mobile network and an SMS center when a purchaser using a mobile terminal transmits a special number of a product obtained through an advertisement medium into a received number on an SMS creation screen. A first step of detecting, by a forwarded SMS server, a prefix value from a received number of a forwarded message and forwarding the received message to a corresponding payment service server; A second step of analyzing the message received by the payment service server and requesting transmission of a callback SMS to the caller's telephone number; A third step of transmitting, by the SMS server, which is requested to transmit the callback SMS, the callback SMS to the caller's phone number; A fourth step of extracting a CP code and a product code from a message received by the payment service server when the buyer who has received the callback SMS accesses the URL; A fifth step of requesting product information from a content server using a value obtained by combining the CP code and the product code extracted by the payment service server; A sixth step when the content server transmits product information according to a product information request, the payment service server generates a payment page including product information and transmits it to a mobile terminal; A seventh step of transmitting, by the payment service server, the payment information received from the purchaser to the credit card company payment server when the purchaser who has received the payment page inputs and transmits payment information through the mobile terminal; And when the credit card company payment server that has performed the payment process based on the payment information informs the payment result, the payment service server stores the payment result information in the DB and generates a WAP page for outputting the payment completion message, and then moved The eighth step of transmitting to the terminal to end the payment process; provides a payment service providing method using the SMS of the mobile terminal.

The present invention for achieving the above object is a payment service server used to provide a mobile payment service that combines the SMS transmission and mobile payment of the mobile terminal, corresponding to the mobile terminal and communication standards connected via the mobile network and the SMS center An interface unit for performing interface matching; A WAP access unit for performing interface matching with the mobile terminal accessing the WAP using a URL according to a communication standard; A storage unit for storing a special number value detected in the message, a telephone number (MDN) of the sender, purchase information, payment information, and payment result information; A message detector which analyzes the SMS message and the purchase information message provided through the interface unit and the WAP connection unit, and detects and provides a special number value, a sender's telephone number (MDN), a CP code, a product code, etc. included in the message; A callback URL generation unit which receives a control signal for generating a callback URL and generates and provides a callback SMS including URL information corresponding thereto; A payment page generation unit which receives a control signal for generating a payment page and generates and provides a payment page including product information corresponding thereto; And requesting an analysis of the SMS message provided through the interface unit to the message detection unit, receiving a special number value and a sender's telephone number (MDN), and providing a control signal for generating a callback URL to the callback URL generation unit. Receives a callback SMS including the transmitted through the interface unit, and when the mobile terminal is connected to the URL to provide the purchase information through the WAP access unit provides the purchase information to the message detection unit extracted CP code and product code The product information is provided and received by requesting the product information from the content server using the extracted CP code and the product code combined value. If the product information is provided from the content server, the product information is provided to the payment page generator to provide the product. Receives a payment page containing the information sent to the mobile terminal through the WAP connection to determine A payment service server configured to receive the information, and transmit the payment information to a credit card company payment server, and when the payment result information is provided, storing the storage unit and transmitting a payment completion message to the mobile terminal. To provide.

The present invention for achieving the above object is a content server used to provide a mobile payment service that combines the SMS transmission and mobile payment of the mobile terminal, and is connected to the payment service server to perform the interface matching in accordance with the communication standards; 1 interface unit; A second interface unit performing interface matching with a plurality of sales company servers connected through an internet network in accordance with a communication standard; A product information storage unit for registering and storing a plurality of CP codes and product information in a specific region; A CP code management unit for assigning and managing a CP code for distinguishing a plurality of sales company servers providing a sale product; And when the product information is requested from the payment service server, provides the corresponding product information to the payment service server through a search of the product information storage unit, and receives a CP code request from a plurality of sales company servers to inquire the CP code management unit to check the CP code. Provides a, and provides a content server comprising a; control unit for performing a control operation for each configuration.

Hereinafter, a method and a system for providing a payment service using SMS of a mobile terminal according to a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a system configuration diagram showing a payment service providing system using SMS of a mobile terminal according to an embodiment of the present invention.

As shown in FIG. 1, the payment service providing system using the SMS of the mobile terminal according to the present invention includes a mobile terminal 110, a mobile network 120, an SMS center 130, an SMS server 140, and a payment service server. 150, a content server 160, a credit card company payment server 170, a sales company server 180, and an internet network 190.

In the following description of the system network configuration to which the present invention is applied, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the description of the detailed configuration will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, and may be changed according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the specification.

The mobile terminal 110 enters a special number into the receiving field of the SMS creation screen and transmits it. After receiving the callback SMS, the mobile terminal 110 accesses the corresponding purchase page through the WAP through the URL information included in the callback SMS and provides the purchase information and payment information. A user terminal used by a subscriber of a mobile communication service that completes a purchase and payment process by inputting.

The mobile terminal 110 can be applied to various terminals such as mobile phones, PDAs, satellite and DMB phones, WIBRO phones, TRS phones, PCs, and the like. Obtain special numbers provided through various offline media such as magazines, newspapers, posters, signs, TVs, etc. In addition, the special number may be checked and obtained by the user in addition to offline.

The mobile network 120 is a communication network including a base station, a control station, a switch, and the like, and provides a communication service relay of the mobile terminal 110, and the SMS center 130 manages the short message transmission management of the mobile terminal 110. Provide service.

On the other hand, the present invention can be applied to include a wired network in addition to the mobile network 120, in this case, a PC may be used as a user terminal.

The SMS server 140 reads a prefix value from a special number provided through the mobile network 120 and the SMS center 130, finds a routing target by looking into a routing table DB (not shown), and then finds out a corresponding payment service. Delivers the message provided to the server 150.

In addition, when the SMS server 140 receives a request for transmission of a callback SMS including URL information from the payment service server 150, the SMS server 140 provides the callback SMS to the mobile terminal 110.

The payment service server 150 detects a special number value and a sender's telephone number (MDN) value from the received message, and includes a URL of a WAP page for payment to the sender's telephone number. Send to the SMS server 140.

In addition, the payment service server 150 extracts the CP code and the product code value from the parameter of the message transmitted from the mobile terminal 110 when the URL is connected to the mobile terminal 110, the product to the content server 160 Request for product information required for payment is provided.

In addition, the payment service server 150 generates a payment page based on the product information provided from the content server 160 and transmits the payment page to the mobile terminal 110, and then transfers the payment information from the mobile terminal 110. When the transfer is received, the credit card company payment server 170 performs payment and result notification process, and transmits the payment completion page accordingly to the mobile terminal 110.

2 is a functional block diagram showing the configuration of a payment service server applied to a payment service providing system using SMS of a mobile terminal according to the present invention.

As shown in FIG. 2, the payment service server 150 generates an interface unit 151, a WAP access unit 152, a storage unit 153, a message detector 154, a callback URL generator 155, and a payment page. The unit 156 and the control unit 157 are configured.

The interface unit 151 performs interface matching with the mobile terminal 110 and the communication standard connected through the mobile network 120 and the SMS center 130, and the WAP connection unit 152 connects the WAP using a URL. Interface matching with the mobile terminal 110 in accordance with the communication standard.

The storage unit 153 stores the special number value detected in the message, the telephone number (MDN) of the sender, the purchase information, the payment information, and the payment result information. The message detection unit 154 includes the interface unit 151 and the WAP access unit ( The SMS message and the purchase information message provided through 152 are analyzed to detect a special number value, a sender's telephone number (MDN), a CP code, a product code, and the like.

The callback URL generator 155 receives a control signal for generating a callback URL from the controller 157 and generates and provides a callback SMS including URL information corresponding thereto. The payment page generator 156 controls the controller 157. ) Receives a control signal for generating a payment page and generates and provides a payment page including product information corresponding thereto.

The control unit 157 receives the special number value and the sender's telephone number (MDN) by requesting the message detection unit 154 to analyze the SMS message provided through the interface unit 151, and a control signal for generating a callback URL. Is provided to the callback URL generator 155 to receive a callback SMS including the URL information and transmits it through the interface unit 151.

In addition, when the mobile terminal 110 accesses the URL and provides the purchase information through the WAP access unit 152, the control unit 157 provides the purchase information to the message detection unit 154 and extracts the CP code and the product code. Is received, and the product information is requested and provided to the content server 160 using the extracted CP code and the product code combined value.

In addition, when the controller 157 receives the product information from the content server 160, the controller 157 provides the product information to the payment page generator 156 to receive a payment page including the product information, thereby receiving the WAP access unit 152. Receive payment information by transmitting to the mobile terminal 110 through the payment information, and transmits the payment information to the credit card company payment server 170, if the payment result information is provided to the storage unit 153 after the payment completion message Transmit to the mobile terminal 110.

The content server 160 is a system server that registers and manages a CP code and product information as a DB. The content server 160 assigns a CP code to a sales company server 180 that provides a sales product, and provides product information from a plurality of sales company servers 180. Receive and manage registration. At this time, the content server 160 stores and manages the sales company information, the product information, and the product code in a specific area.

3 is a functional block diagram showing the configuration of a content server applied to a payment service providing system using SMS of a mobile terminal according to the present invention.

As illustrated in FIG. 3, the content server 160 includes a first interface unit 161, a second interface unit 162, a product information storage unit 163, a CP code manager 164, and a controller 165. It is configured to include.

The first interface unit 161 connects to the payment service server 150 to perform interface matching in accordance with a communication standard, and the second interface unit 162 includes a plurality of sales company servers connected through the Internet network 190 ( 180) and interface matching with the communication standard.

The product information storage unit 163 registers and stores and manages a plurality of CP codes and product information in a specific region. The CP code management unit 164 manages a plurality of sales company servers 180 that provide sales products. It assigns and manages CP code to distinguish.

When the controller 165 receives product information from the payment service server 150, the controller 165 provides corresponding product information to the payment service server 150 through a search of the product information storage unit 163, and provides a plurality of sales company servers ( When the CP code request is received from 180, the CP code manager 164 is inquired and the CP code is assigned, and the overall control operation for each component is performed.

The credit card company payment server 170 is a system server used by a trusted financial institution, receives payment information related to product purchases from the payment service server 150, performs a payment processing process according thereto, and then receives the payment processing result. Notify the payment service server 150.

The sales company server 180 is a system server used by an operator who posts a product advertisement with a special number on an advertisement medium such as a newspaper, a TV, a magazine, and registers the product with the content server 160 and sells the product. ) Connects the plurality of vendor servers 180 and the content server 160 through an online connection.

On the other hand, Figure 7 is a system configuration diagram showing a configuration that the payment service providing system using the SMS of the mobile terminal according to the present invention applied to the wired network.

In the payment service providing system using the SMS of the mobile terminal of the present invention applied to the wired network, as shown in FIG. 7, the mobile terminal 110, the mobile network 120, the SMS center 130, and the SMS server 140 are provided. , Payment service server 150, content server 160, credit card company payment server 170, sales company server 180, internet network 190, email server 200, and user interface 210. .

Mobile terminal 110, mobile network 120, SMS center 130, SMS server 140, payment service server 150, content server 160, credit card company payment server according to the present invention to which the wired network is applied ( 170, the sales company server 180 and the Internet network 190 are the same as the system network configuration shown in FIG. 1, and unnecessary repetitive descriptions will be omitted, and only other operations applied to the wired network will be described.

First, a user of the mobile terminal 110 inputs and transmits a special number obtained through an advertisement medium in a reception column of an SMS writing screen.

The SMS transmitted by the user of the mobile terminal 110 by inputting a special number is transmitted to the SMS server 140 via the mobile network 120 and the SMS 130, and the SMS server 140 is connected to the mobile network 120. And read the prefix value from the special number provided through the SMS center 130 and look up the routing target to the routing table DB (not shown) to find out, and deliver the message provided to the corresponding payment service server 150. do.

The payment service server 150 detects a special number value and a sender's telephone number (MDN) value in the received message, and inquires a DB to match the sender's telephone number (MDN). e-mail) to get the address.

In this case, the user accesses the payment service server 150 in order to use a service linked to a wired network, registers a phone number and an e-mail address in advance, and the payment service server 150 stores the email information input by the user as a DB. Manage your registration.

The payment service server 150 generates an email message including a URL of a WAP page for payment and transmits the email message to the obtained email address.

In this case, the e-mail message is stored in the e-mail server 200 using the Simple Mail Transfer Protocol (SMTP), which is a standard protocol used for transmitting e-mails on the Internet.

Next, the user downloads the e-mail message received from the e-mail server 200 using a user interface 210 connected by a wired network instead of the mobile terminal 110.

Here, the user interface 210 is a user terminal capable of accessing the wired network, and a personal computer (PC) may be representatively used.

Next, the user of the user interface 210 who downloaded the email message confirms the email message. In this case, the body of the e-mail message includes information on the corresponding product (the product corresponding to the special number) and contents for purchase.

The user interface 210 accesses a corresponding purchase page through a URL of a WAP page for payment, and inputs purchase information and payment information (eg, credit card information) to complete a payment.

Next, the payment service server 150 communicates with the credit card company payment server 170 to transmit and receive information necessary for payment to complete the payment.

Next, a payment service providing method using SMS of a mobile terminal according to an exemplary embodiment of the present invention having the above configuration will be described with reference to the accompanying drawings.

4 is a flowchart illustrating an operation of providing a payment service using an SMS of a mobile terminal according to an exemplary embodiment of the present invention, and FIG. 5 is a method of providing a payment service using an SMS of a mobile terminal according to the present invention. 6 is an operation flowchart illustrating an operation processing process, and FIG. 6 illustrates that a sales company of a sales company server according to the present invention advertises a product with a special number assigned through various advertisement media, and the user acquires a special number of the product advertisement advertised by the sales company. There is also a procedure that showed the process.

First, as illustrated in FIG. 6, a purchaser using the mobile terminal 110 may purchase a product from special numbers of products provided by a sales company through various advertisement media such as catalogs, magazines, newspapers, posters, signs, TVs, and the like. Obtain the special number of the desired product.

In addition, the terminal user who obtains the special number of the desired product is inputted into the received number of the SMS creation screen and then transmitted by selecting the transmission menu.

At this time, when the purchaser using the mobile terminal 110 has a plurality of special numbers obtained through the above-described advertising medium, or if the buyer wants to use them later without using the special number, the acquired special number is stored in a specific area of the terminal. You can save it. In this case, the terminal user can search for a special number stored in a specific area of the terminal, and when the searched special number is selected, an SMS transmission program is driven and the selected special number is automatically entered into the received number of the SMS creation screen and transmitted. It can be implemented to reach the standby state, so that the terminal user can easily transmit through the selection of the transmission menu.

This is intended to be effectively used even when there are several special numbers acquired by a terminal user or when the terminal user wants to use the acquired special number immediately.

Therefore, it should be understood that the present invention includes both cases in which a special number obtained by a terminal user through various advertisement media is manually or automatically inputted and transmitted to a received number of an SMS writing screen.

In this case, the format of the special number obtained by the user through an offline advertisement medium is composed of a prefix + CP code + a product code, and the prefix is configured to route to a specific payment service server 150. The number is fixed to 5 digits.

In addition, the CP code refers to a management number for a company or a corporation that sells a product as a sales company code assigned to the sales company server 180 by the content server 160, and the product code corresponds to a product of the corresponding sales company server 180. The code number for.

For example, the special number is as follows.

Special number = Prefix (5 digits) + CP code (3 digits) + Product code (5 digits)

In this case, the prefix is fixed, and the CP code and the product code are described as three digits and five digits, for example. However, the present invention is not limited thereto and may be changed by an administrator of the content server 160.

The message transmitted through the mobile terminal 110 is delivered to the SMS server 140 via the mobile network 120 and the SMS center 130, the SMS server 140 is a prefix value in the received number of the received message Detect and transfer the received message to the payment service server 150 (S1).

At this time, the SMS server 140 in the first step (S1) further performs a process of querying the routing table DB using the detected prefix value as a key and obtaining URL information to route. That is, the SMS server 140 receives the SMS including the special number of the product from the mobile terminal 110, detects the prefix value from the received SMS, and applies the detected prefix value to the routing table DB. Performing a query, obtaining a URL to be routed through an inquiry of a routing table DB, and performing a detailed process of transmitting the SMS message received through the obtained URL to a corresponding payment service server 150.

Next, the payment service server 150 analyzes the message received from the SMS server 140 and requests transmission of the callback SMS to the sender's phone number (S2).

At this time, the payment service server 150 in the second step (S2) obtains the special number value and the sender's telephone number (MDN) value through the analysis process of the received message, the callback SMS is the mobile It includes URL information to be accessed by the buyer using the terminal 110.

The SMS server 140, which has been requested to transmit the callback SMS, transmits the callback SMS to the caller's phone number (S3).

The callback SMS at this time may be displayed as follows.

http: //domain/a.jsp? code = CP Code + Product Code

Here, the CP code + product code is a value excluding the prefix value from the special number input by the user through the mobile terminal 110.

Next, when the buyer receiving the callback SMS accesses the URL, the payment service server 150 extracts the CP code and the product code from the received message (S4), and then uses the combined value of the extracted CP code and the product code. The product server 1 requests product information from the content server 160 (S5).

In the fourth step S4, the purchaser's URL access process may include: driving the WAP browser by the mobile terminal 110 receiving the callback SMS; and connecting a point-to-point protocol (PPP) session; And accessing the URL included in the callback SMS on the WAP browser in the on-line state.

When the content server 160 transmits the product information according to the product information request, the payment service server 150 generates a payment page including the product information and transmits it to the mobile terminal 110 (S6). When the purchaser who has received the payment page inputs and transmits payment information through the mobile terminal 110, the payment service server 150 transmits the payment information received from the buyer to the credit card company payment server 170 (S7). .

In this case, the content server 160 sets the primary key of the product information DB to a value of a combined serial number of the CP code and the product code, and the payment service server 150 Corresponding product information is provided by comparing a value provided by a provided CP code and a product code, that is, a primary key.

The product information includes a product image, a product description, and a product price. The payment page includes product information, an image, a price, a card input box for inputting a credit card number, a shipping address input box for a shipping address, and an orderer address. It contains an order sheet input box for input.

In addition, the payment information includes the payer information, the shipping address, the credit card number, and may be transmitted through an HTTP GET or POST method.

Next, if the payment result value notified by the credit card company payment server 170 that performed the payment process based on the payment information is successful, the payment service server 150 stores the payment result information in the corresponding DB and completes the payment. After generating a WAP page that outputs a message to the mobile terminal 110.

Subsequently, the purchase payment process is terminated by the user confirming the payment completion message in the mobile terminal 110.

Although the present invention has been described in more detail with reference to the examples, the present invention is not necessarily limited to these embodiments, and various modifications can be made without departing from the spirit of the present invention.

As described above, according to the method and system for providing a payment service using SMS of a mobile terminal according to the present invention, a special number found through an advertisement medium such as a newspaper, a TV, etc. is inputted into a receiving field of an SMS to transmit a product purchase intention. After that, the buyer who receives the callback SMS can access the purchase page using the WAP to perform the payment process, presenting a new model of mobile payment, and promptly making the payment using the mobile terminal to the mobile terminal subscriber. It is effective in providing performance and convenience.

In addition, the present invention has the effect of expanding the mobile payment market by providing a new mobile payment model combined with offline advertising media such as newspapers, TVs, magazines, and providing improved payment services to mobile terminal subscribers.

Claims (14)

Enter the special number of the product obtained through the advertising media into the receiving number of the SMS creation screen and send it.When receiving the callback SMS, access the corresponding purchase page by WAP through the URL included in the callback SMS, and purchase and payment information. A mobile terminal for performing a purchase and payment process by inputting a; Receive the SMS message containing the special number from the mobile terminal via the mobile network and the SMS center, detect the prefix value from the special number of the SMS message, find the routing target, and then provide the received message to the payment service server. An SMS server for transmitting the callback SMS including URL information from the payment service server and providing the callback SMS to the mobile terminal; Analyzing the message received from the SMS server, detecting the special number value and the sender's telephone number (MDN), generating a callback SMS including the URL information and requesting transmission to the SMS server. When the purchase information is accessed and provided, the CP code and the product code are extracted from the purchase information, and the product information is requested and provided to the content server using the combined value of the extracted CP code and the product code. Generates a page and sends it to the mobile terminal to receive payment information, transmits the payment information to a credit card company payment server, receives payment result information, stores it in a corresponding DB, and then sends a payment completion message to the mobile terminal. Service server; A content server requesting product information from the payment service server and providing corresponding product information to the payment service server; And A credit card company payment server receiving payment information from the payment service server and performing a corresponding payment processing process and providing corresponding payment result information to the payment service server; Payment service providing system utilizing the SMS of the mobile terminal, including. The method of claim 1, The SMS server further comprises a routing table DB for obtaining URL information to be routed by querying a prefix value as a key. The method of claim 2, The special number is a payment service providing system utilizing SMS of the mobile terminal, characterized in that the form of a prefix (prefix) + CP code + product code. The method of claim 3, wherein The prefix is a number for routing to a specific payment service server, and the payment service providing system using SMS of the mobile terminal, characterized in that fixed to five digits. The method according to any one of claims 1 to 4, The content server registers and manages a CP code and product information in a DB, and a primary key of the product information DB is set to a value of a combined serial number of a CP code and a product code. Payment service providing system using the SMS of the mobile terminal, characterized in that. The method of claim 5, The product information is a payment service providing system using SMS of the mobile terminal, characterized in that it comprises a product image, product description, product price. The method of claim 5, The payment page is a mobile terminal comprising a product information, an image, a price, a card input box for inputting a credit card number, a shipping address input box for a shipping address input, and an order sheet input box for inputting an order address. Payment service provider system using SMS. The method of claim 5, The payment information includes a payer information, a shipping address, a credit card number, payment service providing system using the SMS of the mobile terminal, characterized in that transmitted through the HTTP GET or POST method. When a purchaser using a mobile terminal inputs a special number of a product obtained through an advertising medium into a receiving number of an SMS writing screen and sends it, the SMS server receiving the SMS through the mobile network and the SMS center receives the message from the received number of the received message. Detecting a prefix value and delivering a received message to a corresponding payment service server; A second step of analyzing the message received by the payment service server and requesting transmission of a callback SMS to the caller's telephone number; A third step of transmitting, by the SMS server, which is requested to transmit the callback SMS, the callback SMS to the caller's phone number; A fourth step of extracting a CP code and a product code from a message received by the payment service server when the buyer who has received the callback SMS accesses the URL; A fifth step of requesting product information from a content server using a value obtained by combining the CP code and the product code extracted by the payment service server; A sixth step when the content server transmits product information according to a product information request, the payment service server generates a payment page including product information and transmits it to a mobile terminal; A seventh step of transmitting, by the payment service server, the payment information received from the purchaser to the credit card company payment server when the purchaser who has received the payment page inputs and transmits payment information through the mobile terminal; And When the credit card company payment server that performs the payment process based on the payment information informs the payment result, the payment service server stores the payment result information in the corresponding DB and generates a WAP page for outputting a payment completion message. Eighth step of transmitting to the end of the payment process; Payment service providing method using the SMS of the mobile terminal comprising a. The method of claim 9, The first step may include: receiving, by the SMS server, an SMS including a special number of a product from a mobile terminal; Detecting a prefix value from the received SMS; Querying by applying the detected prefix value to a routing table DB; Obtaining a URL to route through a query of the routing table DB; And And transmitting the SMS message received through the obtained URL to a corresponding payment service server. The method of claim 9, The second step may further include obtaining a special number value and a sender's telephone number (MDN) value by performing a process of analyzing the received SMS message by the payment service server. How to provide a payment service. The method of claim 9, In the fourth step, the URL access process of the buyer may include: driving the WAP browser by the mobile terminal receiving the callback SMS; connecting the Point-to-Point Protocol (PPP) session; and in the on-line state. Method of providing a payment service using the SMS of the mobile terminal, characterized in that the process consisting of accessing the URL contained in the callback SMS on the WAP browser. A payment service server used to provide a mobile payment service combining SMS transmission and mobile payment of a mobile terminal, An interface unit for performing interface matching according to a communication standard with a mobile terminal connected through a mobile network and an SMS center; A WAP access unit for performing interface matching with the mobile terminal accessing the WAP using a URL according to a communication standard; A storage unit for storing a special number value detected in the message, a telephone number (MDN) of the sender, purchase information, payment information, and payment result information; A message detector which analyzes the SMS message and the purchase information message provided through the interface unit and the WAP connection unit, and detects and provides a special number value, a sender's telephone number (MDN), a CP code, a product code, etc. included in the message; A callback URL generation unit which receives a control signal for generating a callback URL and generates and provides a callback SMS including URL information corresponding thereto; A payment page generation unit which receives a control signal for generating a payment page and generates and provides a payment page including product information corresponding thereto; And Requesting analysis of the SMS message provided through the interface unit to the message detection unit receives a special number value and the sender's telephone number (MDN), and provides a control signal for generating a callback URL to the callback URL generator to provide URL information. Receives an included callback SMS and transmits it through the interface unit, and when the mobile terminal accesses the URL and provides the purchase information through the WAP access unit, the purchase information is provided to the message detection unit to provide the extracted CP code and the product code. Receiving, requesting and providing product information to a content server using the extracted CP code and a product code combined value. If product information is provided from the content server, the product information is provided to the payment page generator to provide product information. Receives the payment page containing the payment through the WAP connection to the mobile terminal to pay A control unit for receiving the information, transmitting the payment information to the credit card company payment server, storing the payment result information in the storage unit, and transmitting a payment completion message to the mobile terminal; Payment service server that is configured to include. A content server used for providing a mobile payment service combining SMS transmission and mobile payment of a mobile terminal, A first interface unit connected to a payment service server and performing interface matching according to a communication standard; A second interface unit performing interface matching with a plurality of sales company servers connected through an internet network in accordance with a communication standard; A product information storage unit for registering and storing a plurality of CP codes and product information in a specific region; A CP code management unit for assigning and managing a CP code for distinguishing a plurality of sales company servers providing a sale product; And When the product information is requested from the payment service server, the corresponding product information is provided to the payment service server through the search of the product information storage unit, and when receiving a CP code request from a plurality of sales company servers, the CP code management unit is inquired and the CP code A control unit configured to perform a control operation on each of the components; Content server configured to include.

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