KR20010076657A - Telcash - Google Patents

Abstract

PURPOSE: A small amount of money payment system using a mobile telephone is provided to ensure a transparent distribution activity and supply a more secure Internet cyber transaction by leaving a buying method as well as sale and buying results in data. CONSTITUTION: A buyer(22) purchases goods, and at this same time presents a mobile telephone number to a distribution company. A distribution company POS(Point Of Sale)(21) transmits a transaction specific number and a list of goods together with the mobile telephone number to a repeating server(24). The repeating server(24) transmits the transaction information from the distribution company POS(21) and mobile telephone number to a mobile communication business exchange system(23). The mobile communication business exchange system(23) transmits the transaction information to the buyer(22) and requests the buyer(22) to identify transaction details. The buyer(22) sends acknowledgement signal to the mobile communication business exchange system(23). The mobile communication business exchange system(23) sends transaction acknowledgement to the repeating server(24). The repeating server(24) sends a transaction acknowledgement signal to the distribution company POS(21). The distribution company POS(21) outputs a receipt and delivers goods to a customer.

Description

Small payment system using mobile phone {TELCASH}

The present invention relates to a method of immediately paying for the purchase price of a product using a mobile phone, and more particularly, a purchaser easily uses a mobile phone to manage a product of an e-commerce service company that manages a retailer and a customer's sales with a POS. It's about making a purchase with credit.

Generally, distributors sell products using credit cards to general customers. In the existing form of credit transaction using a credit card, the contents of the customer's card read from the card reader, such as the buyer's credit card number, payment amount, and merchant number, are transferred to the card approval company using the Internet or a telephone line. The card asks each card company to check the credit card of the card and sends the license signal and authorization number to the distributor in case of non-suspension of the card.After the transaction is completed with the buyer's signature, the distributor sells the card from the card company. Collect the money.

In particular, an Internet e-commerce company using such a credit transaction method requires a customer to request a credit card number and password. In this process, the customer's password is hacked or stolen, causing damage to the buyer. Frequent.

Purchasing a product using a mobile phone is a great advantage in that a general distributor can provide a third payment method that provides convenience to a buyer, and second, an e-commerce company secures a safe and fast payment method. Have

An object of the present invention is to provide a more secure Internet cyber transaction, as well as a way for a buyer to easily purchase a product, as well as the sales and purchase results remain as DATA, thereby ensuring a transparent distribution activity.

1 is a block diagram of goods and cash flows between the buyer, distributors, mobile operators of the present invention

2 is a block diagram of a payment approval system between a buyer, a distributor, and a mobile service provider of the present invention;

3 is a flowchart illustrating a credit selling method using a mobile telephone of the present invention.

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

11, 21: Distributor POS

12, 22: Buyer

13, 23: mobile operator exchange system

14, 24: relay server

1 illustrates a method for merchandise sales and payback. First, the first transaction is made at the distributor POS 11 when the purchaser 12 purchases the product, and after passing through the approval procedure of FIG. 2 using the mobile phone, the product is turned over to the purchaser 12. As a result, the merchandise purchase details recorded in the mobile communication provider's exchange system 13 are used for payments to distributors that are affiliated stores and bills billed to subsequent purchasers 12. All costs incurred in this process can be covered by a small fee for the purchase of merchandise by the merchant.

Hereinafter, an approval method at the time of purchasing a product will be described with reference to FIG. 2.

The purchaser 22 presents the mobile phone number of the purchaser 22 to the distributor POS 21 at the same time as purchasing the product.

The distributor POS 21 transmits transaction information, such as a transaction unique number and purchase product details, generated by the transaction to the relay server 24 connected to the Internet or a dedicated line together with the purchaser's mobile phone number.

The relay server 24 transmits the transaction information sent from the distributor POS 21 and the mobile phone number of the buyer to the mobile operator exchange system 23, and the mobile operator exchange system 23 receives the transmitted buyer 22. Send the transaction information including the transaction details and the authorization number, such as a list of purchased goods and the price, to the mobile phone number of the buyer 22 to request the confirmation of the transaction history.

The purchaser 22 sends the approval signal to the mobile operator exchange system by the transaction information and the details transmitted to the mobile terminal by the approval operation promised by the mobile carrier. The mobile communication operator exchange system 23 receiving the transaction approval information transmits a transaction approval to the relay server 24, and the relay server 24 sends a transaction approval signal to the distributor POS 21 for which the initial transaction was made.

The retailer POS 21 outputs the receipt with the received transaction approval details and takes over the goods to the customer. This process takes place within seconds with the purchaser 22's approval of the mobile phone.

After completing the delivery of the goods, the mobile telecommunication service provider collects the purchase purchase details approved for each buyer and adds them to the mobile phone bill for the purchase price of the buyer and bills the buyer 22 the following month.

As described above, the present invention may be applied to an Internet e-commerce company in addition to a general distributor, and thus may be referred to as a third credit payment medium that can purchase a product with maximum confidence in cyber transactions, which are also made under pseudonyms.

Claims (2)

With a micro payment transaction system using a mobile phone, when a buyer purchases a product, the buyer presents the buyer's mobile phone number to the distributor and the distributor POS displays the transaction information such as the transaction's unique number and payment amount. A first step of transmitting to a mobile service provider through a relay server connected to the Internet or a dedicated line together; A second step of confirming the transaction approval to the corresponding buyer by transmitting the transaction information transmitted by the distributor POS to the mobile operator through the relay server to the mobile phone terminal of the buyer; In step 2, when the purchaser finally approves the transaction information transmitted to the purchaser's mobile phone terminal through a promised operation with the mobile communication company, the mobile communication service provider receiving the transaction approval signal sends a transaction approval signal to the distributor POS to the relay server. Step three, In step 3, when the distributor POS receives the transaction approval information sent through the relay server, the receipt is output and the customer acquires the goods. How to claim. The method of claim 1 In the first step, the distributor POS having a transaction transmits the transaction information and the purchaser's mobile telephone number to the mobile operator exchange system through a relay server connected through the Internet or a dedicated line. In the second step, the mobile operator exchange system transmits transaction information and details transmitted from the distributor POS to the corresponding terminal of the purchaser's mobile telephone number. The third step is a mobile communication operator exchange system receiving a transaction confirmation signal from the mobile phone terminal of the buyer transmits the transaction approval signal to the distributor POS through the relay server. In the fourth step, the mobile operator exchange system collects the transmitted information, pays the distributor, and adds the corresponding product purchase cost on the purchaser's mobile communication fee settlement date.