KR101548200B1 - charge-type electronic commerce methods using the mobile-push - Google Patents

Abstract

The present invention relates to a rechargeable electronic commerce method using a mobile push and, more specifically, to a rechargeable electronic commerce method using a mobile push wherein a user can make payment to have a safe transaction realized with a simple payment process.

Description

[0001] The present invention relates to a charge-type electronic commerce method using a mobile push,

The present invention relates to an electronic commerce system using a mobile push, and more particularly, to a rechargeable electronic commerce system using a mobile push capable of making a payment in a secure transaction even if the settlement process is simple.

As technology develops, various kinds of payment means are used. Examples include credit cards, cash cards, and electronic money.

Among these payment means, there are Patent Documents 1 and 2 with a technique related to a payment means using online or the like.

Patent Document 1 discloses a mobile communication terminal comprising: means for receiving a wireless Internet connection for an off-line micropayment from a mobile communication terminal when the mobile communication terminal is connected to an affiliate terminal and receives purchase information; Means for receiving payment application information from the mobile communication terminal; Means for decrypting the purchaser's resident number, mobile phone number, and mobile carrier classification from the payment application information; Means for generating payment approval request information corresponding to the format of the micropayment approval request requested by the mobile communication company with the decrypted information; Means for transmitting payment approval request information to a corresponding mobile communication company server to request payment approval; And means for receiving the payment approval result processed in the same manner as the on-line micropayment from the mobile communication company server and transmitting the payment approval result to the merchant terminal,

In Patent Document 2, a user accesses an electronic coupon distribution office, registers a mobile phone number or a fixed telephone number, associates at least one electronic coupon with a mobile phone number or a fixed telephone number, The settlement is processed by mobile phone or ARS settlement. At this time, the micro settlement service system checks whether the electronic coupon associated with the mobile phone number or the fixed telephone number has won the lottery in conjunction with the coupon operation system in the process of processing the micropayment, and reflects the lottery winning prize benefit to the content payment amount , If a discount is offered or a discount rate is given to the winner, the micropayment service system subtracts the discount amount from the settlement price, and then applies the mobile payment or ARS payment approval process to the deducted real payment amount. .

Such conventional small-scale payment methods using on-line are disadvantageous in that a commission fee of a merchant is high and payment is slow in payment by using a communication fee.

In the case of a point provided by a point provider providing a point, there is a disadvantage that it is possible to use only a limited number of points at a franchisee by collecting points obtained through a financial settlement or a purchase action at a point provider and providing a payment service.

In addition, in the case of a payment method using an account transfer or a credit card, there is a problem in that the procedure is complicated because it is necessary to know the account number or the credit card number for each case and settle the complicated authentication process.

PayPal, a payment service that enables payment on the Web when purchasing goods overseas, offers payment methods that allow you to send and receive e-mail over the Internet. However, Korean buyers have difficulty in solving problems when they occur.

In addition, when an individual or an organization operating an online shopping mall uses an existing payment method, registration and authorization of the business are required, and a commission for the sale must be paid. In addition, There is an inconvenience. In addition, since the buyer must use the account transfer or the credit card to settle the purchase amount of the commodity, the authentication process of various methods must be performed at this time, so that not only the settlement is troublesome but also the personal information of the individual is requested in such a payment process, There is a problem that the personal information is hacked unintentionally by a third party and leaked, which causes many disadvantages.

On the other hand, Patent Document 3 is related to a technique related to cost settlement using a short message service.

When the approval number and the telephone number of the mobile terminal are received from the contents providing system, it is confirmed whether or not message forwarding is set by using the telephone number of the mobile terminal. Upon confirmation of the message forwarding setting, To the providing system according to the present invention.

However, there is a problem that the cost payment method using the SMS causes a lot of damage to the consumer as the phishing which requests the personal secret information or induces the micropayment of the mobile phone as a trustworthy person or company is sent.

On the other hand, as the spread of mobile devices such as smart phones exceeds 30 million units, various technologies utilizing mobile devices are being developed. One of these technologies is mobile push. Mobile Push is a message service solution for phone OS devices. It uses Google's GCM or APNS provided by Apple, and is also provided by BlackBerry and Microsoft. This is basically a method of directly transmitting a message through the purchaser's terminal without going through the communication network of the communication company, which is higher in security and lower in cost than the SMS service. However, there is no e-commerce system or method using the mobile push to be.

1. Korean Patent Publication No. 2010-0058401 2. Korean Patent Publication No. 2005-0059498 3. Korean Patent Registration No. 0933311

The present invention has been developed in order to solve the problems of the related art as described above, and it is an object of the present invention to provide a rechargeable electronic device which can reduce settlement time, And to provide a commercial transaction system method.

In order to achieve the above object, a rechargeable electronic commerce method using a mobile push according to the present invention is a method in which a seller provides a commodity including goods and services on a network through a seller terminal connected to a network, (S1) of a purchaser joining as a member of a payment server using a purchaser terminal, and a settlement process (S2) of paying a previously charged amount to a settlement object through a settlement server,

The subscription process (S1) includes: a device authentication step (S11) of assigning a unique ID to a unique number of a purchaser's terminal in a payment server according to a request of a user and transmitting an authentication key; A step (S12) of confirming an authentication key through a purchaser terminal receiving the authentication key; A login information transmission step (S13) in which a user inputs a desired password and the inputted password is transmitted to the payment server; A push setting step (S14) of setting a push server to transmit a payment payment confirmation push from a payment server in a payment process through a buyer terminal; Lt; / RTI >

The payment step S2 includes a connection step S21 for connecting to the payment server through login and device authentication through the purchaser terminal; A step (S22) of selecting a product offered by the seller through the buyer terminal and making a purchase request; A step S23 of the seller requesting the payment server to generate purchase information and a purchase key corresponding to the amount, the seller ID, and the payment completion notification method to the purchase target merchandise through the seller terminal; A purchase key transmission step (S24) of generating a purchase key at a payment server receiving the purchase key creation request and transmitting the purchase key to the seller terminal, and the seller terminal transmitting the purchase key received to the buyer terminal; A purchase key confirmation step (S25) for the purchaser to input a purchase key confirmation signal received through the buyer terminal and transmit the purchase key confirmation signal to the payment server; A step S26 of confirming a purchase key at the payment server and requesting a push payment confirmation push to the push server when it is normal; Pushing payment confirmation details from the push server to the buyer terminal (S27); A payment request step (S28) of requesting a payment server to pay the payment object to the payment server in the buyer terminal; And a step (S29) of notifying the payment terminal of the payment completion to the seller terminal.

The process of authenticating by the purchaser terminal is performed by the ID given to the unique number of the purchaser terminal and the authentication key inputted by the purchaser when purchasing the purchaser terminal and the payment application is installed in the corresponding purchaser terminal simultaneously with the authentication, It is desirable to disable it.

The payment information is displayed on the purchaser's terminal as information related to the cost of remittance by the purchaser.

The cost may be charged in advance or charged in exchange for providing goods or contents through the buyer's terminal.

According to another aspect of the present invention, a rechargeable electronic commerce system using a mobile push is an electronic commerce system in which a seller provides a commodity including goods and services on a network through a terminal connected to a network, And a push server for pushing the payment confirmation information transmitted from the payment server to the buyer terminal, wherein the buyer terminal comprises: a buyer terminal for purchasing goods; a payment server for paying the charged charge to the seller through the buyer terminal;

The purchaser terminal is authenticated by a payment server, a payment application is installed, a unique authentication key for electronic payment is installed,

The payment server includes: a cost management unit for managing the money deposited from each purchaser; A member management unit for managing a unique device authentication number and an authentication key of a terminal of a buyer and a seller subscribed to the member; And a push management unit for managing a push server to which a user wants to register,

The push server includes a push subject manager for managing buyer terminal information so that payment information can be transmitted to the buyer terminal according to a payment confirmation push request transmitted from the payment server.

The rechargeable e-commerce system using the mobile push according to the present invention simplifies the confirmation process of the user so that the time required for the payment can be reduced and the payment can be confirmed through the push server. There is an effect that can be achieved.

In other words, since the payment can be made if only the authentication process is performed through the application installed in the purchaser's terminal without performing the authentication procedure such as public authentication used in electronic payment or the additional work, and the application is installed, It is possible not only to simplify the electronic money transaction but also to make the settlement by receiving and authenticating the payment settlement confirmation message through the third push server during the authentication process so that more stable electronic financial transaction can be performed.

Furthermore, by using only the authentication key authenticated by the user, not only the user's social security number, telephone number, and password are exposed but also authenticated by the user using the authentication key, and transmitted by using the push function of the third push server By checking the details of the security, it is possible to prevent the settlement process from being hacked as the security is divided into multiple stages. That is, the present invention is not limited to a single step of inputting a personal authentication key but a step of transmitting a payment confirmation to a user through a third push server, , The payment is made through the multi-level authentication, so that the security is enhanced from the hacking, but the settlement process is simple and the financial transaction can be easily performed.

1 is a block diagram of a rechargeable electronic commerce system using mobile push according to the present invention;
2 is a block diagram of a rechargeable electronic commerce system using mobile push according to the present invention
FIG. 3 is a flowchart illustrating a flow of a membership subscription process in a rechargeable electronic commerce method using mobile push according to the present invention.
FIG. 4 is a flowchart illustrating a rechargeable electronic commerce method using mobile push according to the present invention,
5 is a flowchart of a signal in a rechargeable electronic commerce method using a mobile push according to the present invention.
6 is a flow chart of the first half of the rechargeable electronic commerce method using mobile push according to the present invention

Hereinafter, a method of a rechargeable electronic commerce system using mobile push according to the present invention will be described in detail with reference to the accompanying drawings.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It is to be understood, however, that the invention is not to be limited to the specific embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

Like reference numerals are used for like elements in describing each drawing. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

Hereinafter, a person who uses this system or method is collectively referred to as a user, and a person who sells a product including goods and services on a network is called a seller, and a person who purchases a product including goods and services on a network is a purchaser Collectively.

In addition, products including goods and services on the network are collectively referred to as products.

The present invention can make a micropayment so that a safe transaction can be performed even though the settlement process is simple.

In the rechargeable electronic commerce method using the mobile push according to the present invention, the electronic payment can be performed only by device authentication and login of the purchaser terminal 10, and the push server 30 transmits the payment payment request information to the payment server 20, And notifies the buyer terminal 10 of the payment, and the details of the payment can be made transparent.

The settlement process is performed between the buyer terminal 10 and the settlement server 20, between the push server 30 and the buyer terminal 10, between the settlement server 20 and the push server 30, It is possible to prevent unauthorized information leakage by a third party.

The rechargeable electronic commerce method using the mobile push according to the present invention is a method in which a user joins the payment server 20 using the purchaser terminal 10 as described above and the payment server 20 receives a personal It is possible to prevent the user's personal information from being leaked by joining the member without providing the information.

Further, in the rechargeable electronic commerce method according to the present invention, the cost managed by the payment server 20 may be deposited by a non-transactional deposit or other deposit method at a cost charged by the purchaser in advance, The description is omitted. However, it is also possible that the purchaser provides the goods through the purchaser's terminal 10 and uses the received goods as a reward.

Hereinafter, a process of a rechargeable electronic commerce method using mobile push according to the present invention will be described in detail.

A rechargeable electronic commerce method using a mobile push according to the present invention is a rechargeable electronic commerce method in which a seller pays a fee on a network in exchange for contents provided on a network through a terminal connected to a network, (S1) of joining the payment server 20 as a member of the payment server 20, and a settlement process (S2) of paying the already charged money to the settlement object through the settlement server.

As described above, the process of depositing the money by the user is a normal online remittance, an unauthorized deposit, or a fee charged by a user in providing the contents, and a detailed description thereof will be omitted.

First, the rechargeable electronic commerce method according to the present invention includes a membership subscription process (S1) as described above, and this subscription process (S1) can be performed by the steps shown in FIG.

Typically, a mobile device or a computer purchased by a user has a unique number, the member is managed by using the unique number, and is used as a means for authenticating the user during the settlement process.

That is, according to the present invention, settlement can be made using only the purchaser's terminal 10 registered first by the user, payment can not be made in other terminals, and in the case where payment is made using another terminal, To be changed only after the change of equipment has been made.

In order to allow the user to authenticate the purchaser terminal 10 in this manner, the user makes a service request to the payment server 20 in advance, and the payment server 20 gives a unique ID to the purchaser terminal unique number according to the request of the user (S11). ≪ RTI ID = 0.0 >

When the authentication key transmitted from the payment server 20 is transmitted to the purchaser terminal 10, the user inputs an authentication key to inform the user that the authentication key is a true user (S12). After inputting the password to be used by the user at the time of login, The login information transmitted to the payment server is transmitted (S13).

When the user is registered as a member in the payment server 20 through the purchaser terminal 10, an application for using the rechargeable electronic commerce system is installed in the purchaser terminal, and a login ID input window is displayed on the purchaser terminal 10. [

After entering the ID and logging in, the push server 30 is set up to send the payment confirmation confirmation push in the payment server through the buyer terminal (S14).

The push server setting step S14 may be a push server set by the user or a push server designated by the payment server.

After the subscription is made through the above-described process, when the user uses the seller's channel contents in the buyer terminal 10, payment is made as shown in FIG.

That is, the payment process S2 is connected to the payment server through log-in and device authentication as the purchaser accesses the payment application through the purchaser terminal 10 (S21).

Such connection may be made during the settlement process after the buyer confirms the purchase of the merchandise of the seller through the buyer terminal. That is, the present invention relates to a rechargeable electronic commerce method and can be performed regardless of how the process of purchasing a product is performed, but the entire process from the purchase process is outlined as follows.

First, the purchaser confirms the product information provided by the seller through the web or application through the purchaser terminal 10, selects the desired product, and transmits purchase request information indicating that the product is to be purchased to the seller terminal 40 (S22 );

The seller requests the payment server 20 to generate a purchase key including information on the goods of the purchase request information transmitted from the buyer terminal 10 through the seller terminal 40 (S23).

The purchase key may be a random number for payment authentication, and the information transmitted together may include information related to the type and number of goods to be purchased, the transaction amount of the goods, the seller ID, the buyer ID, have.

The payment server 20 receiving the purchase key creation request generates a purchase key and transmits the purchase key to the seller terminal 40. The seller terminal transmits the purchase key received to the buyer terminal 10 at step S24.

The buyer informs that the information on the purchase commodity to be transmitted to the payment server is confirmed (S25)

Thus, at the time of receiving the purchase key from the purchaser terminal 10, the application can be activated and the purchaser terminal can be automatically logged into the payment server and can receive the device authentication.

Of course, the device authentication has already been performed in the process of installing the application. In the login process, the device may be entered by inputting a password desired by the buyer, etc., and a purchase key may be entered in the application screen When an input window is provided and the buyer confirms the purchase information and inputs a random number, the purchase is confirmed and the payment of the purchase cost is recognized.

Upon receipt of the purchase key confirmation signal from the payment server 20, the purchaser determines that the purchaser is willing to purchase the purchase item, and requests the push server 30 to push the payment confirmation confirmation (S26)

As described above, the payment confirmation details to be pushed by the push server 30 may include the type and number of goods to be purchased, the transaction amount of the goods, the seller ID, the buyer ID, etc., have.

The push server 30 pushes the settlement payment confirmation history requested by the payment server 20 to the buyer terminal 10. (S27)

The screen displayed on the purchaser terminal 10 by being pushed by the push server 30 includes the amount information to be paid and displays various payment means that the user can make payment on the screen, Lt; / RTI >

When the purchaser who has confirmed the payment confirmation details pushed through the purchaser terminal 10 selects a desired payment method, payment information for paying the payment by the selected method is transmitted to the payment server 20 (S28)

That is, the buyer selects any one of the various payment methods displayed on the buyer terminal 10, and a payment approval signal for approving the payment to the payment target is transmitted to the payment server.

The payment server receiving the payment request or approval information transmitted from the buyer terminal pays the fee and the seller informs the seller terminal of the completion of the settlement in the method requested in the purchase key request step through the seller terminal (S29)

In the rechargeable electronic commerce method using the mobile push, the payment information may be transmitted to the purchaser terminal using the identification code.

That is, the payment information exists as an identification code on one side of the product image acquired by the user through the purchaser terminal 10, and when the user clicks or copies the payment information and inputs it into the payment information, The cost is transferred.

The rechargeable electronic commerce system using the mobile push as described above may be configured in various forms, but it is preferably configured as shown in FIG. 1, and in the electronic payment system according to another aspect of the present invention, Has already been mentioned in the above description of the rechargeable electronic commerce method, but it will be briefly described as follows.

The rechargeable electronic commerce system using the mobile push according to the present invention comprises a buyer terminal (10) for using content and paying for usage costs, a payment server (20) for paying the pre-charged charge to the seller through the buyer terminal, And a push server 30 for pushing the payment confirmation information transmitted from the server 20 to the buyer terminal.

The purchaser terminal 10 is device authenticated to the payment server 20, has an electronic payment application installed therein, and has a unique authentication key for electronic payment.

The payment server 20 includes a cost management unit 20c for managing the money deposited from each user; A member management unit 20m for managing a unique device authentication number and an authentication key of the consumer terminal 10 of a member who is a member; And a push management unit 20p for managing a push server that the user wants to register.

The money deposited from the user managed by the cost management unit 20c may be a cost transferred through automatic transfer or Internet transfer as described above or may be a fee charged by a user who has received a cyber money Can be obtained.

The member management unit 20m manages only the ID information of the user, the device authentication information, and the secret number in order to manage the user who requests the rechargeable electronic payment service for electronic commerce using mobile push according to the present invention. Accordingly, it is possible to prevent a third damage that may be caused by leakage of the resident registration number or the like of the user.

The push management unit 20p is one of the relay servers for connecting the payment server 20 and the purchaser terminal, but may use an existing portal server as a server that simply pushes the payment settlement notification information.

The push server 30 includes a push subject manager 30m for managing buyer terminal information so that payment information can be transmitted to the buyer terminal according to a payment confirmation push request transmitted from the payment server 20, 20 to the corresponding buyer terminal. Of course, the payment payment confirmation push request information transmitted from the payment server 20 includes the buyer terminal information.

10: Buyer terminal
20: Electronic payment management server
30: push server
40: Merchant terminal

Claims (5)

An e-commerce method for charging on a network a fee charged in advance for contents or goods provided by a seller on a network through a seller terminal (40) connected to a network, or for providing contents through a buyer terminal and charging a fee As a result,
(S1) of joining the user as a member of the payment server by using the purchaser terminal (10), and a settlement process (S2) of paying the already charged money to the settlement object through the settlement server,
In the membership subscription process (S1), the payment server (20) assigns a unique ID to the unique number of the purchaser terminal according to the request of the user, and authenticates the device assigned to the unique number of the purchaser terminal A device authenticating step (S11) which is performed by a password and transmits an authentication key for making the payment application installed in the corresponding purchaser terminal and not available to other terminals at the time of authentication; A step (S12) of confirming an authentication key through a purchaser terminal receiving the authentication key; And a login information transmission step (S13) of inputting a password desired by the user and transmitting the input password to the payment server, the electronic commerce method comprising:
The subscription process (S1) includes a push setting step (S14) of setting a push server (30) to transmit a payment payment confirmation push from a payment server in a payment process through a purchaser terminal
The settlement process (S2)
A connection step (S21) of connecting to the payment server through login and device authentication through the buyer terminal (10);
A step (S22) of selecting a product offered by the seller through the buyer terminal and making a purchase request;
A step S23 of the seller requesting the payment server for the type and number of goods to be purchased, the transaction amount of the goods, the seller ID, the buyer ID, the payment completion notification method, and the purchase key creation through the seller terminal 40;
A purchase key transmission step (S24) of generating a purchase key at a payment server receiving the purchase key creation request and transmitting the purchase key to the seller terminal, and the seller terminal transmitting the purchase key received to the buyer terminal;
A purchase key confirmation step (S25) of transferring the purchase key confirmation information received by the purchaser through the purchaser terminal to the payment server;
(S26) when the payment server confirms the purchase key and then requests the push server 30 to push payment confirmation confirmation when it is normal;
A step (S27) of pushing the payment confirmation details to the purchaser terminal in the push server and displaying the payment information in the purchaser terminal using the identification code;
A payment request step (S28) of requesting a payment server to pay the payment object to the payment server in the buyer terminal; And
(S29) of notifying the seller terminal of the completion of the payment to the payment server (S29). delete delete delete delete

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