KR20010044874A - Method for paying a charge of goods using mobile phone - Google Patents

Abstract

PURPOSE: A method for settling the price of goods using a mobile terminal is provided to conveniently pay the price for goods transactions, without the necessity of using cash. CONSTITUTION: In case that a user purchases goods at a specific store and pays the price for goods, an infrared transmit-receive communication terminal installed in the store transmits the data of the goods price to an infrared transceiver part. The infrared transceiver part converts the data into an infrared signal and transmits the signal to the user's portable phone by wireless(S10). The portable phone, receiving the infrared signal, restores it into the original data. An MSM(Mobile Station Modem) installed in the portable phone outputs a password input request message with the restored goods price on an LCD(S11). If the user inputs the password after judging that the price is reasonable, the MSM transmits approval data, comprised of the password, the MIN(Mobile Identification Number) and the portable phone's ESN(Electronic Serial Number), to an infrared port. The infrared port converts the received approval data into an infrared signal and transmits the converted signal to the infrared transmit-receive communication terminal(S12). At the same time, the MSM makes settlement approval request data, composed of the password, the MIN, the ESN and the price of goods, in the form of a short message in order to request the settlement of the goods price(S20). The MSM transmits the short message to a radio transmitting part so that the message can be transferred to a related goods settlement server through a CDMA base station(S21).

Description

Method for paying a charge of goods using mobile phone}

The present invention relates to a method for payment of goods using a mobile communication terminal, and more particularly, a payment request for goods using a communication terminal provided at a user's mobile communication terminal and a product seller, and the payment is approved accordingly. The present invention relates to a method of payment for goods using a mobile communication terminal, by informing a user's mobile communication terminal and a communication terminal of a merchandise distributor to purchase and sell an item.

In the conventional method of payment for goods purchased and sold, it is mostly made in cash or by using a credit card possessed by the user. In the case of using a credit card, the user purchases the goods at a merchandise store. After that, the credit card is presented, and accordingly, the merchandise store uses the provided credit card inquiry terminal to make an inquiry request to the credit card settlement server and receive the approval.

However, credit cards that must be carried in order to use these payment methods are frequently lost, and even if they are lost, they are often used for high-value transactions of more than tens of thousands of dollars rather than small transactions. While not aware of the loss, it is frequently used in malicious transactions such as fraudulent transactions.

In addition, since the credit card checks the authenticity of the user in the magnetic strip method, the credit card is vulnerable to forgery, and thus, the damage caused by the forgery credit card is frequently caused.

Accordingly, an object of the present invention is to provide a method for payment of goods using a mobile communication terminal, which is created to solve the problems as described above, so that costs can be conveniently paid without using cash. Is there.

Figure 1 shows the overall network configuration of the payment method for goods using a mobile communication terminal according to the present invention,

FIG. 2 shows a detailed configuration of the communication terminal provided in the mobile communication terminal and the merchandise sales destination of the user in the network configuration of FIG.

3 shows a detailed configuration of a payment server for goods among the network configuration of FIG.

4A and 4B are flowcharts showing the flow of a preferred embodiment of a payment method for goods using a mobile communication terminal according to the present invention;

FIG. 5 shows a configuration format of a unique electronic serial number (ESN) of a mobile communication terminal.

6 is a diagram illustrating a procedure for payment of goods;

7 and 8 illustrate the storage contents of a hard disk provided in the goods payment server of FIG.

※ Explanation of code for main part of drawing

10: keypad 11: keypad connection

30: LCD 31: LCD driver

40: station portion 41: infrared port

50,220,430: Rom 60: Codec

61: input amplifier 62: output amplifier

70: wireless transmitter 71: wireless receiver

100: mobile communication terminal 200: infrared transmission and reception communication terminal

210: infrared transceiver 230: control unit

231: data input unit 240: data receiving unit

250: data transmission unit 260: line connection unit

300: CDMA mobile communication network 410: network connection

420: central processing unit 440: hard disk

450: clock 500: payment server for goods

In order to achieve the above object, a payment method for goods using a mobile communication terminal according to the present invention comprises: a first step of determining the validity of the price of goods received wirelessly from a goods sales terminal; In accordance with the determination, wirelessly transmits the data including the unique identification number of the mobile communication terminal to the goods distributor communication terminal, and also sends the goods payment request data including the transaction amount to the goods payment server through the mobile communication network A second step of transmitting; A third step of transmitting the goods payment request data to the goods payment server using the information received by the goods seller communication terminal according to the data received by the second step; A fourth step of the article payment settlement server comparing the article payment request data received from the mobile communication terminal and the article seller communication terminal to determine whether to approve payment of the article price; And a fifth step of transmitting approval information for approving the payment for the goods to the mobile communication terminal and the goods sales destination communication terminal, respectively.

Hereinafter, an embodiment of a payment method for goods using a mobile communication terminal according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating an entire network configuration of a payment method for goods using a mobile communication terminal according to the present invention, which is provided in a mobile communication terminal (mobile phone) 100 and a merchandise distributor, and the mobile communication terminal 100. And an infrared transmission and reception communication terminal 200 for transmitting and receiving an infrared signal, connected to the CDMA mobile communication network 300, and the infrared transmission and reception communication terminal 200 through the CDMA mobile communication network 300 or a separate dedicated line. It comprises a goods payment server 400 for approving the payment of goods on the basis of the stored user personal information.

FIG. 2 illustrates a detailed configuration of a mobile communication terminal 100 capable of paying for goods and an infrared ray transmitting and receiving communication terminal 200 provided at a merchandise distributor among all the network configurations of FIG. 1. ) Is a keypad 10 for inputting data such as a called telephone number; A keypad connector 11 connected to the keypad 10 to receive key input data; An LCD (Liquid Crystal Display) 30 for outputting and displaying the price of goods received wirelessly from the infrared transmitting and receiving communication terminal 200; An LCD driver 31 for converting data into an LCD display signal; A ROM (ROM) 50 in which an electronic serial number (ESN: Electronic Serial Number) and a mobile phone number (MIN) are stored, which are unique numbers of the mobile communication terminal 100; A codec (Coder-Decoder) 60 for converting and inputting digital audio data into an analog audio signal and converting the analog audio signal into digital audio data; An input amplifier 61 for amplifying the analog audio signal input through the microphone Mic to a predetermined level; An output amplifier 62 for amplifying the analog audio signal and outputting the analog audio signal to a speaker Sp or the like; A wireless transmitter 70 wirelessly transmitting data to the CDMA mobile communication network 300; A wireless receiving unit 71 for wirelessly receiving data from the CDMA mobile communication network 300; A station unit 40 for determining whether data has been modified and demodulated according to the call processing and mobile communication protocols, and whether the payment of goods is approved; And an infrared port 41 for outputting input data in the form of an infrared signal, and also for transmitting and receiving an infrared signal with the infrared transmission and reception communication terminal 200, and the infrared transmission and reception communication terminal 200 is the mobile device. An infrared transceiver 210 for transmitting and receiving an infrared signal with an infrared port 41 in the communication terminal 100; ROM 220 that stores a product seller identification code is stored; Approved by the data transmission unit 250, the item payment request data consisting of the mobile phone 100 unique number (ESN and MIN), the seller identification code, the price of the goods, etc., and sent by the goods payment server 400 A control unit 230 for receiving a key through the data receiving unit 240; A line connection unit 260 which transmits or receives data transmitted / received by the data transmitter 250 and the data receiver 240 according to a signal standard of a connected line; And a data input unit 231 for price input.

In addition, the mobile station modem 40 in the mobile phone 100 performs the protocol and system control function defined in IS-95A, and in addition to the basic voice recognition function, voice memo and voice recording function, the infrared ray of FIG. The port 41 is built-in to provide an infrared communication function, thereby enabling infrared communication without a separate chipset for infrared communication.

3 shows a detailed configuration of the goods payment server 400 in the entire network configuration of FIG. 1, which is connected to the CDMA mobile communication network 300, and is connected to a CDMA mobile communication network 300 to transmit and receive signaling and signal transmission ( 410); A hard disk 440 that stores personal information such as an address, a phone number, an amount of use, a password, and an account number and an identification code of a registered seller of goods, such as a program, a subscriber (item buyer); A central processing unit 420 which executes programs on the ROM 430 and the hard disk 440 and performs operations such as searching and data update storage of the hard disk 440; And a clock unit 450 that keeps track of the current date and time.

Figures 4a and 4b is a flow chart showing the flow of a preferred embodiment of the payment method for goods using a mobile communication terminal according to the present invention, with reference to the network configuration of Figure 1 and the detailed configuration of Figures 2 and 3 4A and 4B according to the present invention will be described in detail the payment method for goods.

First, a user applies for a subscription to a mobile communication provider in order to conduct a transaction using a mobile communication terminal, and a certain amount of money (eg, monthly) available for paying for the goods at regular time intervals (for example, monthly) only for the subscribed user. For example, one million won) is set. Accordingly, the user can freely purchase the goods within the set fixed amount limit, and the set price includes the purchase amount for each purchase of the user. The disk 440 is stored in association with the user personal information.

The ROM 50 in the mobile phone 100 stores a user's mobile phone number (MIN) and a unique electronic serial number (ESN) of the mobile phone in advance. The mobile phone number is composed of 10 decimal digits. Mobile Station Identification Number). In addition, the electronic serial number (ESN), which is a unique identification code of a mobile phone, is an identifier uniquely assigned to a terminal (mobile phone) and has a data format as shown in FIG.

6 is a diagram illustrating a procedure for payment of goods, and the payment method for goods according to the present invention will be described with reference to the following.

If a user visits a specific merchandise retailer and purchases the goods, or wants to pay the fee for the goods or the services provided for the purchase of the goods, the infrared transmitting and receiving communication terminal 200 provided at the merchandise sales office is the above-mentioned. The data for the corresponding item price input through the data input unit 231 is transmitted to the infrared transceiver unit 210, the infrared transceiver 210 converts the received item price data into an infrared signal form, the The infrared transmission and reception communication terminal 200 is wirelessly transmitted to the user's mobile phone 100 located within a predetermined distance (1 in Fig. 6) (S10).

Accordingly, the infrared port 41 in the mobile phone 100 receives the infrared signal transmitted from the infrared transmitting and receiving communication terminal 200 and restores it to original data, and the station unit 40 restores the original data. Along with the price of the goods, a guide message for requesting input of a password for approving the price of goods (S11) is output on the LCD 30 through the LCD driver 31.

Accordingly, the user visually confirms the price of the goods output on the LCD 30, and if the price of the goods is valid, the user inputs a preset password through the keypad 10 according to the guide message. The purpose of allowing the user to enter a password for approving the goods price is to prevent the goods price payment from being made by another user.

As such, when the user determines that the price of the goods is reasonable, the user inputs a password, and the station unit 40 inputs the password and the mobile phone number (MIN) stored in the ROM 50 and the unique electronic serial number of the mobile phone ( Transmitting the approval data including the ESN to the infrared port 41, the infrared port 41 converts the received approval data into an infrared signal form, and is located within a predetermined distance from the mobile phone 100. At the same time to transmit to the infrared transmission and reception communication terminal 200 (2 in Fig. 6) (S12), the station unit 40, according to the input of the password to approve the goods price, the payment request for goods price (S20), the payment request request data consisting of the input password, mobile phone number, mobile phone unique electronic serial number, and the price of goods, one of the mobile communication services show It consists of a short message based on the Short Message Service protocol. The short message service uses an access / paging channel or a traffic channel to communicate between mobile terminals or short messages. As a service for exchanging short text messages between receiving apparatuses to receive a message, the size allocated to the user data field is a maximum of 255 characters.

The station unit 40 transmits the short message configured from the payment approval request data to the wireless transmitter 70 so that the corresponding payment server through the CDMA base station that is currently adjacent to the access channel without accessing the call. In step S21 of FIG. 6, in some cases, the short message may be transmitted through a traffic channel after being connected to the goods payment server 400.

When the goods payment server 400 receives the goods payment approval request data in the form of a short message from the mobile phone 100, the central processing unit 420 in the payment server 400 is the hard disk ( 440 to recognize this fact through the network connection unit 410, from the short message received directly from the network connection unit 410, the phone number of the call-connected mobile phone 100 You will be confirmed.

Accordingly. The central processing unit 420 searches the hard disk 440 in which the user personal information is stored as shown in FIG. 7 to confirm whether the confirmed telephone number exists, and if the telephone number exists, Recognize that the user is a registered subscriber.

As such, when the user is recognized as a subscriber, the central processing unit 420 is stored in association with the user's password in the received short message and the user's telephone number retrieved from the hard disk 440 to confirm the validity of the user. Compares the passwords and confirms whether the two passwords are the same, and if the two passwords are the same as the result of the verification, the user is judged as a legitimate user and the subsequent process is performed. The mobile phone 100 outputs a guide message for re-entering. If it is determined that the password is not the same three or more times in the password comparison process, the central processing unit 420 may no longer perform the following process. By using the service by outputting the message not to the mobile phone 100, To be stopped, this time guiding message for the goods payment server (400) is output to the mobile phone 100 may be too short messages.

If the user is determined to be a legitimate user according to the password comparison, the central processing unit 420 checks the currently available balance of the user specified from the user's telephone number retrieved from the hard disk 440 and requests the payment. The payment of the requested price of goods is placed in the provisional approval state only when the price of the received goods does not exceed the confirmed available balance (S22).

On the other hand, the infrared receiver 210 in the infrared transmission and reception communication terminal 200 receives the infrared signal transmitted from the mobile phone 100 and restores it to the original data, the control unit 230 is the restored approval data You confirm that the user has approved the price of the goods. Accordingly, the controller 230 stores the goods price in the password and the mobile phone number (MIN, ESN) previously received from the mobile phone 100 in order to request a payment for the goods (S30). By configuring the goods payment request data by adding the goods seller identification code, and transmits it to the connected goods payment server 400 (4 in Fig. 6) (S31) to request the payment approval of goods price The item payment request data transmitted at this time is also configured in the form of a short message and is transmitted through the CDMA mobile communication network 300, and the CDMA mobile communication network between the infrared transmission and reception communication terminal 200 and the item payment settlement server 400. When the connection is directly connected through a separate dedicated line instead of 300, the payment price data of the goods may be transmitted in another form instead of a short message.

The central processing unit 420 of the goods payment server 400 receives the short message containing the goods price payment request data from the infrared transmitting and receiving communication terminal 200 only when the temporary goods payment is approved. Comparing the goods price in the short message received from the user's mobile phone 100 with the goods price in the short message received from the infrared transmitting and receiving communication terminal 200 and both passwords (S32), the result of the comparison both goods price If the password is the same (S40) and finally the payment of the requested price of goods will be approved (S41).

According to the payment approval of the goods price, the central processing unit 420 transmits the approval information for notifying that the requested payment for the goods is approved to the cellular phone 100 and the infrared ray transmitting and receiving communication terminal 200 connected to each other. (⑤ of FIG. 6) (S42), the authorization information may be composed of an authorization key and an authorization amount. The authorization key is composed of two randomly generated random values. Allows a predetermined operation (eg, XOR) to be performed on.

The control unit 230 of the station unit 40 of the mobile phone 100 and the infrared ray transmitting and receiving communication terminal 200 respectively receiving the approval information from the goods payment server 400, the received approval information is infrared After the signal is converted into a signal form and exchanged with each other (6 in FIG. 6), the station unit 40 and the control unit 230 receive the approval information received from the counterpart according to the exchange of the approval information, and the goods payment server. Each of the approval information received directly from the 400 is compared (S43), wherein the station unit 40 and the control unit 230 are the approval information received from the other party and the goods payment server 400 After dividing the authorization key and the authorization amount constituting the authorization information received directly from the respective, and then perform a predetermined operation (for example, XOR) for each of the divided authorization keys (consisting of two values) You get the result, The obtained amount result value and the divided amount approval amount are respectively compared.

Subsequently, the station unit 40 and the control unit 230 output the comparison result on the LCD 30 of the mobile phone 100 and the monitor (not shown) of the infrared ray transmitting and receiving communication terminal 200. If both the result value and the amount of the output amount displayed are the same (S50), the mobile phone user and the manager of the merchandise distributor who visually confirms the amount is determined to have paid for the goods, and the transaction of the goods is terminated (S51). If it is determined that any one of the result value and the amount of approval amount is not the same, the manager of the user / article seller of the mobile phone 100 requests cancellation of the approval from the payment server 400 for the goods (S52), and pays for the goods later. The above process will be performed again.

When there is no request to cancel the approval from the mobile phone 100 and the infrared transmission and reception communication terminal 200 within a predetermined time, the central processing unit 420 of the payment server 400 for the goods is the mobile phone 100 and infrared Based on the data previously received from the transmission / reception communication terminal 200 and the current date and time tracked and maintained by the clock unit 450, the hard disk 440 as shown in FIGS. In this case, the amount of payment and the date and time of the transaction are classified and stored as a purchase price as the transaction details of the user specified from the mobile phone number among the received data. As the transaction details of the seller of the goods specified by the code, the payment amount and the transaction date and time are also classified and stored as the charge amount.

When each subscriber purchases goods without using cash through the mobile communication terminal according to the above-described process, the goods payment server 400 is periodically based on the storage contents of the hard disk 440. At a time interval (for example, monthly), the total mobile phone charges of each of the subscribed users are settled and the bill payment transaction details are provided to the user in the form of a bill, thereby allowing the user to purchase goods for a certain period of time. Pay the usage amount to the mobile communication provider together with the telephone fee, and when the usage amount is purchased according to the purchase of the goods, the payment price server 400 re-schedules the maximum amount for the purchase of the corresponding subscriber. Will be initialized.

However, if the bank account number of the user is pre-stored and stored in association with the user's telephone number in the hard disk 440 in the goods payment server 400, the goods payment server 400 is registered and stored By using the user's account number, the transfer request is made to the main computer of the bank through the financial computer network so that the total amount of the user's settlement calculated as described above is transferred from the user's bank account, and the user sends his / her transaction details as necessary. A bill may be provided that includes the user's total fees and payment transactions.

In addition, the goods payment server 400 is based on the storage contents of the hard disk 440, and settles the total payment price of each of the goods sellers subscribed at periodic time intervals (for example, monthly) In order to pay the merchandise seller, the merchandise price payment server 400 sums the charges of the merchandise seller for a certain period of time stored in the hard disk 440, and adds the sum to the hard disk ( 440) to provide the settled amount to the merchandise distributor, such as online remittance to a bank account corresponding to the account number of the merchandise distributor previously registered and stored, and if necessary, provide a guide on the details of the settlement. It may be.

In the above embodiment, when transmitting and receiving data between the mobile phone 100 and the infrared transmission and reception communication terminal 200, in addition to the infrared signal form, the data in the form of a high frequency (RF) signal by the Bluetooth (Bluetooth) method, which is one of the short-range communication method. It can also be implemented as a method of transmitting and receiving.

In addition, the communication terminal provided in the merchandise distributor to communicate with the mobile phone 100, in addition to a wireless communication terminal, such as the infrared transmission and reception communication terminal 200 as a wired communication terminal for wired connection with the mobile phone 100 to transmit and receive signals. Can be implemented.

The payment method for goods using a mobile communication terminal according to the present invention, which is made as described above, does not require a user to carry a cash or credit card with a high risk of loss, and for a product purchased using a mobile communication terminal more secure for forgery and alteration. It is convenient to simply pay the service fee for goods or services used, and this is a very useful invention that can promote the spread of credit transactions using a mobile communication terminal.

Claims (8)

In the payment method of goods, A first step of determining the validity of the price of goods received wirelessly from the commodity sales terminal; In accordance with the determination, wirelessly transmits the data including the unique identification number of the mobile communication terminal to the goods distributor communication terminal, and also sends the goods payment request data including the transaction amount to the goods payment server through the mobile communication network A second step of transmitting; A third step of transmitting the goods payment request data to the goods payment server using the information received by the goods seller communication terminal according to the data received by the second step; A fourth step of the article payment settlement server comparing the article payment request data received from the mobile communication terminal and the article seller communication terminal to determine whether to approve payment of the article price; And And a fifth step of transmitting approval information for approving the payment of the goods to the mobile communication terminal and the goods sales destination communication terminal, respectively. The method of claim 1, The goods payment request data of the second step in the form of a short message (Short Message), the goods payment method using a mobile communication terminal, characterized in that transmitted to the goods payment server. The method of claim 1, The goods payment request data of the third step in the form of a short message (Short Message), the goods payment method using a mobile communication terminal, characterized in that transmitted to the goods payment server. The method of claim 1, The wireless payment data between the mobile communication terminal and the merchandise distributor communication terminal, the item price payment method using a mobile communication terminal, characterized in that the transmission and reception in the form of an infrared signal. The method of claim 1, The method for payment of goods using a mobile communication terminal, characterized in that the data transmitted and received wirelessly between the mobile communication terminal and the product sales destination communication terminal in the form of a high frequency signal. The method of claim 1, A sixth step of mutually exchanging the approval information received by the mobile communication terminal and the product sales destination communication terminal, respectively; And And a seventh step of comparing the approval information received according to the exchange with the approval information received directly from the payment server for the goods, and informing a normal transaction according to the comparison result. Payment method for goods using the. The method of claim 6, The approval information is a payment method for goods using a mobile terminal, characterized in that the approval key and the authorization amount. The method of claim 7, wherein In the seventh step, if the authorization key and the authorization amount respectively received according to the exchange differ from any one of the authorization key and the authorization amount directly received, requesting the cancellation of the authorization to the goods payment server. Payment method for goods using a mobile communication terminal characterized in that.