KR20010000363A - Method of real time sattlement with Phone & Phone, and make use of short message service for second confirmation - Google Patents

Abstract

PURPOSE: A real time payment method is provided to perform safely a payment on a transaction between one person and the other person or a company by using mobile communication terminals and short message service, and to prevent a leakage of the personal information in the conventional payment method. CONSTITUTION: A real time payment method comprises steps of a user performing a payment log-in by a password registered at a member subscription(1), selecting a payment execution by inputting a payee data, a payment amount and a password(2), transmitting the input data to a payment server(3), and displaying a payment check short message on an LCD of the cellular phone. If the user approves the transmitted short message, the payment approval message is transmitted to banks or financial organizations and an automatic fund transfer is performed between the payer and the payee.

Description

Method of real time sattlement with Phone & Phone, and make use of short message service for second confirmation}

The purchase and payment method through the Internet is based on the use of wired internet services such as Internet shopping malls using electronic commerce, Internet banking by financial institutions, and internet payments by credit card companies. I make a convenient settlement.

In addition, the payment method through the wireless Internet is trying to take root in our society with a simpler and safer payment method than the wired internet method.

Currently, payment methods through wireless Internet terminals are being developed and promoted by many individuals or companies.

In such a way, 1. As a method for user authentication, there is a method of assigning and transmitting an electronic authentication number to a personal mobile phone terminal, and a method of confirming a member ID and password. 2. As a payment method, there is a method of cooperating with a credit card company, and a method of billing by adding to a mobile phone bill.

1. The present invention allows a user to securely execute payments through arbitrary transactions between individuals and individuals (or between companies) as well as when purchasing goods only with each other's wireless Internet terminals.

2. It also eliminates the leakage of personal information that may be in the verification process for user authentication, and blocks the approval of payment of others in case of theft or leakage of personal information.

3. It secures the delay of access time, which is a disadvantage of wireless internet, and reduces the number of connection process as much as possible, helping to execute payment quickly.

4. Complete real-time payment, not future payment through card payment or mobile phone bill.

1 shows an example of a P & P payment method in a wireless Internet terminal window.

2 is a text message sent to the receiver terminal after the payment is completed

In order to achieve the above object, the following method is used.

In order to clearly and easily express the present invention will be described with reference to the drawings of [FIG. 1] below.

1. First of all, this P & P payment method is made through wireless internet terminal between traders. As a result, where a credit card or a payment device of a financial institution is not available, transactions can be made only by mutual terminals even after the use of the financial institution ends.

In addition, when the transaction is displayed on the terminal of the other party's terminal, the real name credit transaction is enabled (the screen after completion of the payment of Figure 2).

2. Log in with the password you entered when signing up for the user authentication method (Fig. 1 login screen in Fig. 1), and when you apply for payment approval, you will receive a text message confirming the payment with the member terminal number logged in. (SMS text transmission: Figure ④ payment confirmation text message; if there is nothing wrong with the payment details 1- "Yes" by sending) by sending the user verification without the transmission of special personal information (secondary verification method). Therefore, there is no leakage of personal information, and even if a member's password is leaked, it blocks the payment of others by confirming the final payment to the member's terminal number. Also, if you lose your device, you can't access it without knowing your membership password.

3. As shown in the accompanying FIG. 1, when the payment is approved, the access process is performed only when the payment is executed and the request details are written and transmitted (Fig. ②, Fig. ③) and the text message final payment verification process (Fig. 1 of Fig. 1). As a result, only two transmissions enable fast settlement. At this time, during the payment execution, the request details are written and transmitted (Figure ② in Fig. 1), and the identifiers ", (comma)" are placed between the receiver's telephone number, the transfer amount, and the password to read several data separately. A program (read data statement with multiple variables) is used to receive all necessary data in a single transfer.

4. In cooperation with various financial institutions, the payment approval details will be linked and notified to each financial institution, and real-time financial settlement will be made through the Internet account transfer method. In other words, the bank transfers and collects the funds to the financial institution, which is filled out at the time of membership registration, so that the user can make a payment and at the same time, the financial institution will be able to make a real time account transfer.

As described above, it is believed that the present invention will speed up the settlement of the wireless Internet payment method in our society by simply and clearly processing the payment method through the wireless Internet. In addition, by informing the other party's terminal phone number in the transaction, it is possible to facilitate the subsequent mis-correction or re-transaction.

By eliminating the leakage of personal information, which is a disadvantage of internet transactions, it can promote participation in real name credit transactions, contributing to the establishment of a culture of credit society.

The wireless Internet payment method through the present invention facilitates economic development by speeding up transactions by enabling transactions to be conveniently, securely and quickly.

It also prevents damages to domestic companies by foreign patents in the same way that may be in the future.

Claims (4)

In the case of payment through the wireless Internet, a method of making a payment between the sender and the payee at a mutual terminal The method of claim 1, wherein the real-time financial settlement is performed using an internet account transfer of a financial institution. 3. The method according to claim 2, wherein text message transmission to a user member terminal number is used as a means of user authentication (④ in FIG. 1). The method of claim 1, wherein a plurality of pieces of data are distinguished and read in a single transmission by using an identifier character (eg, ",") between the data and the data (2 in FIG. 1).