KR20090001844A - Method for m2m settlement service using mobile banking - Google Patents

Abstract

A settlement service method is provided to use mobile banking service through the simple procedure for the several process of a payment by intermediation between the business acquaintance only a mobile terminal telephone number of the other party. A settlement service method comprises: a step(S20) for receiving a request of a payment provision through a payment from a cost addressee connecting between mobile terminals through a mobile banking server at a mobile terminal; a step(S30) for transmitting a cost payment request message including a request breakdown inputted with a mobile terminal telephone number of the cost addressee; a step(S240) for receiving a cost payment approval from a connected payer through the mobile terminal at the mobile banking server; a step(S60) for transferring the cost to a finance account of the cost addressee, and transmitting a money receiving completion message to the mobile terminal of the cost addressee; and a step(S65) for transmitting, at the mobile banking server, the deposit refusal informational message to the mobile terminal of the cost addressee, if a settlement rejection is inputted In the S40 step.

Description

Method of payment service between mobiles using mobile banking {Method for M2M settlement service using mobile banking}

1 is a view showing the configuration of a payment system to which the inter-mobile payment service method according to the present invention is applied.

2 is a flow chart showing a mobile payment service process according to a first embodiment of the present invention.

3 is a view showing a mobile banking access screen provided with an inter-mobile payment service according to a first embodiment of the present invention.

Figure 4 is a flow chart showing a mobile payment service process according to a second embodiment of the present invention.

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

10, 20: mobile terminal 100: financial institution server

40: mobile communication company server 111: M2M payment server module

120: WAP server

The present invention relates to a method of mobile payment service using mobile banking, and more specifically, to request payment or payment using a mobile bank running on its own mobile terminal between trading parties, mediating only the mobile phone number of the other party. The present invention relates to a method for providing a mobile payment service that can be performed by receiving a short message about a processing result and confirming the same.

Recently, due to the rapid development of information and communication technology and the proliferation of wired / wireless Internet networks, electronic commerce on-line using a personal computer or a mobile terminal as well as offline has been widely used.

Various kinds of payment service methods are applied for the purchase of goods and services through e-commerce. In particular, as mobile terminals such as mobile phones or PDAs are becoming a necessity of modern people, payment services using mobile terminals in various e-commerce Technology is actively being researched and developed.

Conventional payment service method is a small payment mobile phone with excellent convenience of payment, when the buyer enters his mobile number and social security number on the company site when purchasing goods and services less than a certain amount on the Internet, the payment agent is a mobile phone text If you send an authorization number in a message and enter it on the company's homepage on the Internet, you will be charged for your mobile phone bill.

However, the micro payment method of mobile phone allows users who make a payment by using a mobile phone theft because a third party who knows the user's mobile phone number and social security number owns the user's mobile phone or illegally copied mobile phone. Agents and merchant shopping malls have a problem that can be damaged. In addition, it is easy to make payments, and attracts netizens with bait for free content, adult authentication or prizes, and then enters mobile phone number and approval number, or uses the automatic payment method through membership registration. The number of crimes that are paid and not returned are increasing. In fact, a total of 1674 consumer complaints related to mobile phone payments were received by the Korea Internet Business Association's mobile phone and ARS payment arbitration center for six months from September 1, 2006. More than half of these cases accounted for 61.2% of complaints related to automatic payments. It turned out.

In addition, the mobile phone micropayment method limits the monthly amount used by mobile carriers due to the existence of payment risks, and is limited to micropayment only. Since the payment is made through the settlement process of the mobile carrier and the payment agent after the sum is charged, there is also a problem in that it takes a long time to recover the payout.

Another conventional payment service method is a payment gateway (PG) method commonly applied in electronic commerce. In the PG method, when a user selects an item to purchase by accessing an internet shopping mall and selects one of payment methods such as a deposit account, a credit card, and a mobile phone payment, a separate electronic wallet is driven, and payment information (account number) is stored in the electronic wallet. , Card number or mobile number, etc.), and go through a certain identity verification process (by entering your account password, card password or secure click / ISP password, authentication number or official certificate password). Finished.

The PG method has some advantages in that the limitation of the upper limit of payment from the user's point of view, the illegal payment by a third party, and the long payback period for the product provider are alleviated. Payment is possible only for online shopping malls that are affiliated with a payment agency, so it is difficult to apply extensively to offline transactions, and it is difficult to apply the user's important credit information (account information, card number or mobile number and various passwords) in the payment process. There is a safety problem that the risk of hacking exists because everything is exposed on the Internet, a public network that is relatively vulnerable to security processing.

The present invention is to solve the problem of the payment service method according to the prior art described above. That is, an object of the present invention, by implementing a payment service that can make a payment request, payment settlement and payment result confirmation via mobile banking only between the other party's mobile terminal phone number, easy mobile banking access It is to provide a mobile-to-mobile payment service that can process payments and improve security with only a procedure.

The present invention as a technical concept for achieving the above object, a) the mobile banking server is requested to pay the payment through the mobile payment from the payee connected to the mobile terminal, the payer's mobile terminal includes a phone number Receiving a request history; b) sending, by the mobile banking server, a payment request message including a payment recipient's mobile terminal telephone number and the input request details to the payer's mobile terminal; c) receiving, by the mobile banking server, whether or not to approve payment from a payer connected through the mobile terminal; d) when the payment approval is input in step c, the mobile banking server transfers the payment from the payer's financial account to the payee's financial account, and sends a deposit completion message to the payee's mobile terminal; e) when the payment rejection is input in step c, the mobile banking server transmits a deposit rejection notification message to the mobile terminal of the recipient payee; mobile payment service method using a mobile banking comprising a To provide.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

The present invention is an inter-mobile (M2M) payment service method that allows merchants and buyers who are trading parties to facilitate cash transfers between financial accounts using their mobile terminals, respectively. In addition to trading on loans, it can also be applied to debt loan transactions that lend money.

In the following, both parties of a payment service will be classified as a payee and a payer based on the cash flow between the financial accounts. Here, the payee corresponds to the seller or debtor who receives the cash and the payer corresponds to the buyer or creditor who pays the cash.

1 is a view showing the configuration of a payment system to which the inter-mobile payment service method according to the present invention is applied.

As shown in FIG. 1, a payment system to which an inter-mobile payment service method according to the present invention is applied includes a mobile terminal 10 and 20 of a payee and a payer who use an inter-mobile payment service, and a payee and a payer. A financial institution server 100 connected to a mobile terminal 10 and 20 through a data communication network and providing a mobile payment service to a mobile terminal 10 or 20 of a payee and a payer connected through mobile banking; The financial institution server 100 and the mobile terminal 10, 20 is configured to include a mobile communication company server 40 connected to the data communication network.

The financial institution server 100 includes a mobile banking server 110 equipped with an M2M payment server module 111 that is responsible for inter-mobile payment service, and a database and mobile terminal 10 and 20 storing related data necessary for mobile banking. It consists of a WAP server 120 to provide a web service over the wireless Internet.

The mobile banking server 110 may provide a chip or non-chip mobile banking service to the mobile terminals 10 and 20 connected through a data communication network according to the type of the terminal. Here, the chip method is a method applied to a mobile terminal with a built-in financial chip, the non-chip method is a method applied to a mobile terminal without a built-in financial chip based on a virtual machine (VM).

Such a mobile banking server 110 may be provided alone in a specific financial institution, or may be provided in a number of financial institutions, respectively, when provided alone in a specific financial institution only between the mobile banking subscribers of the financial institution between the mobile payment service In the case of being provided in various financial institutions, the mobile payment service between mobile banking subscribers of different financial institutions may be used.

The WAP server 120 provides a web screen showing payment information such as deposit details to the mobile terminals 10 and 20 connected through a callback URL such as a deposit completion message.

Meanwhile, the mobile communication company server 40 transmits an SMS text message related to payment to the mobile terminal 10 or 20 of the payee or payer according to the request of the mobile banking server 110.

Typically, when a user first joins the mobile banking service and then accesses the mobile banking server 110 through his mobile terminal 10 or 20 for the first time, a chip-based or non-chip-based driving program for a mobile banking program may be used. The mobile banking server 110 is automatically downloaded. The user can apply for the inter-mobile payment service according to the present invention while subscribing to a mobile banking service of a specific financial institution, or after joining the mobile banking service, accessing the mobile banking server 110 with his mobile terminal 10 or 20 separately. If you apply for a mobile banking service subscription, you can download the mobile banking driving program that includes the inter-mobile payment function, and if you apply separately after downloading the mobile banking driving program, you can use the mobile payment. The module is additionally downloaded and included in the operating program for mobile banking to operate.

As such, the payee and the payer subscribe to the inter-mobile payment service through mobile banking, install the relevant driving program on their terminal, and register the account number of the financial institution used for payment. 20) through the mobile banking through the mobile phone number of the other party can use the payment service between mobile, such as payment request or payment transfer conveniently.

2 is a flowchart illustrating a process of a mobile payment service according to a first embodiment of the present invention, and FIG. 3 is a diagram illustrating a mobile banking access screen provided with a mobile payment service according to a first embodiment of the present invention.

The method for providing an inter-mobile payment service according to the first embodiment of the present invention is a case where a payee requests a payment and the payer approves the payment in response to the payment, thereby paying the money to the payee. Referring to Figures 2 and 3 the process of making mobile payments according to the following.

First, the payee and the payer connect to the mobile banking server 110 with their respective mobile terminals to apply for the inter-mobile payment service and download the inter-mobile payment module from the mobile banking server 110 (S10). Here, the payee and the payer can access the mobile banking server 110 by executing the mobile banking driving program by pressing the mobile banking access button of the mobile terminal. In addition, when the download of the inter-mobile payment module is completed, press the mobile banking access button in the same manner to access the mobile banking server 110, and then register in advance a financial account (hereinafter referred to as a use account) used for the inter-mobile payment service. It is desirable to have a registered account, and the registered use account is used as a basic account for transferring cash from another account or transferring cash to another account through a mobile payment service, and can be changed at any time if the user desires.

On the other hand, when the payee and the payer applied for the inter-mobile payment service at the time of subscribing to the mobile banking, since the inter-mobile payment function is included in the mobile banking driving program downloaded first, the following steps without the above step S10 Can be done immediately.

Thereafter, when a transaction situation that requires payment between the payee and the payer occurs, the payee, that is, the seller who is to be paid for the sale of the goods, accesses the mobile banking server 110 with a mobile terminal to make a payment between mobiles. Request the payment through, and input the request details including the payer, that is, the mobile phone number of the buyer who purchased the goods (S20). In this case, the payee enters the payer's mobile terminal phone number and the amount to be paid on the payment request page displayed as shown in FIG. 3A on his mobile terminal screen, and the mobile banking server 110. Receives the input information and saves it in the database. Here, the payee may not enter the amount to be paid, in this case, the payer must directly enter the amount in the payment settlement step to be described later.

In response to the payment request of the payee through the payment request step (S20), the mobile banking server 110 is a payment request request that includes the payee's mobile terminal phone number and payment request details as the payer's mobile terminal. Send a message (S30). Here, the mobile banking server 110 transmits a payment request message to the mobile terminal of the payer by requesting a short message transmission to the mobile telecommunication company server 40.

Thereafter, the payer checks the payment request message received by the mobile terminal and accesses the mobile banking server 110 and inputs whether or not to approve the payment for the requested payment (S40). At this time, the screen of the payer's mobile terminal is displayed with a button for selecting whether to approve the payment together with the payment amount and the payment account information, as shown in (b) of Figure 3, the payment amount and the payment account, respectively In the payment request step (S20), the payment amount entered by the payee and the use account registered in advance by the payer are basically displayed, and these may be modified to other amounts or account numbers if the payer desires it.

Here, the payment request message transmitted in the payment request message transmission step (S30) may include callback UAL information that can be accessed to the WAP server of the financial institution, in this case the payment received from the mobile terminal side of the payer In response to the payment request message, when the client accesses the WAP server 120 of the financial institution, the WAP server 120 of the financial institution automatically executes a mobile banking driving program installed in the mobile terminal of the payer, thereby executing the payer's mobile. It is possible to immediately provide a screen for inputting payment approval on the terminal. Alternatively, through the mobile banking VM unique code added to the payment request message transmitted, that is, the VM unique code of the mobile banking driving program, when the payer receives the message, the corresponding mobile banking driving program is automatically started and paid for. You can also provide an input screen for approval. In this way, by automatically running the mobile banking driving program, the payer to access the mobile banking server 110 by pressing the mobile banking access button to reduce the hassle of moving to the input screen for approval of payment through the menu selection Can be.

When payment approval is input in the payment settlement approval input step (S40), the mobile banking server 110 transfers the corresponding payment from the payer's payment account to the payee's use account (S50), The mobile terminal transmits a deposit completion message indicating that the deposit is completed (S60).

On the other hand, if the payment is rejected in the payment payment approval input step (S40), and transmits the payment rejection notification message indicating that the payer has refused the payment to the mobile terminal of the payee and ends all processes (S65). ).

After completing the deposit completion message transmission step (S60), the payee checks the deposit completion message received by the mobile terminal and requests a receipt issued to verify the payment of the payer by accessing the mobile banking server 110 (S70). ). Here, the callback URL information that can be connected to the WAP server of the financial institution, as described above in the payment request message transmission step (S30) to the deposit completion message transmitted in the deposit completion message transmission step (S60). Alternatively, by including the mobile banking VM unique code, it is possible to automatically run the mobile banking driving program installed in the recipient's mobile terminal so that the receipt issuance request screen as shown in Figure 3 (c) can be provided immediately.

Thereafter, the mobile banking server 110 issues a receipt for the payment and transmits a receipt issuance message indicating that the receipt has been issued to the payer's mobile terminal (S80), and the payer receives the receipt issuance message received by the mobile terminal. Check and access the mobile banking server 110 to view the details of the issued receipt (S90).

When accessing the mobile banking server 110 or payment approval during the mobile payment service described above, the user receives a password such as a fin number from the user, and in particular, receives a security card password for mobile banking separately when the payment is approved. As a result, it is well known that the risk of hacking and the like should be blocked by strengthening security when using a mobile payment service. As described above, the present invention is greatly improved because the security is implemented through the publicly verified mobile banking, and compared with the account transfer through the general mobile banking, even if the other party's account number is not known, it is easily carried out only through the phone number. Since you can make a transaction, there is an advantage that you can use the payment more convenient.

4 is a flowchart illustrating a process of a mobile payment service according to a second embodiment of the present invention.

The method for providing an inter-mobile payment service according to the second embodiment of the present invention is a case in which a payer pays a fee by directly applying for a transfer by designating a specific payee. The process will be described with reference to FIG. 4 as follows.

First, the payee and the payer connect to the mobile banking server 110 with their respective mobile terminals to apply for the inter-mobile payment service and download the inter-mobile payment module from the mobile banking server 110 (S110).

Then, when a transaction situation that requires payment between the payee and the payer occurs, the payer accesses the mobile banking server 110 with a mobile terminal to request a payment transfer through the mobile payment, the payee's mobile Enter the terminal phone number and the transfer amount (S120). Here, the payee can modify the pre-registered use account displayed as the paying account on the screen of the mobile terminal to another account, as in the first embodiment described above.

In response to the payment transfer request of the payer made in the payment transfer request step (S120), the mobile banking server 110 transfers the corresponding payment from the payment account of the payer to the use account of the payee (S150). A deposit completion message informing that the deposit has been completed is transmitted to the mobile terminal of the recipient (S160).

The following steps S170 to S190 are the same as the corresponding steps S70 to S90 of the first embodiment, and thus a detailed description thereof will be omitted.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes are possible in the art without departing from the technical spirit of the present invention. It will be clear to those of ordinary knowledge.

As described above, the inter-mobile payment service method using the mobile banking according to the present invention can be used through a simple procedure of the mobile banking process of payment through the mobile terminal phone number of the other party between the transaction party only. Convenience is greatly improved.

In addition, since the present invention is implemented through a mobile security banking excellent security, it is possible to prevent the leakage of important information by the hacking of a third party to the maximum and to stabilize the payment process.

Claims (9)

In the service that pays between the payee and the payer when transactions online or offline, a) receiving, by the mobile banking server, a payment request through payment between mobiles from a payee connected through a mobile terminal, and inputting a request history including a payer's mobile terminal number; b) sending, by the mobile banking server, a payment request message including a payment recipient's mobile terminal telephone number and the input request details to the payer's mobile terminal; c) receiving, by the mobile banking server, whether or not to approve payment from a payer connected through the mobile terminal; d) when the payment approval is input in step c, the mobile banking server transfers the payment from the payer's financial account to the payee's financial account, and sends a deposit completion message to the payee's mobile terminal; e) when the payment rejection is input in step c, the mobile banking server transmitting a deposit rejection notification message to the mobile terminal of the payee; Mobile payment service method using a mobile bank, characterized in that configured to include. The method of claim 1, In step a, Receive payment from the payee, along with the payer's mobile phone number, In step c, The mobile banking server is a mobile inter-bank payment service method using a mobile banking, characterized in that to automatically display the input payment amount to the mobile terminal of the payer connected. The method of claim 1, In step b, Include the callback URL information that can be connected to the WAP server of the financial institution in the payment request message sent, In step c, When the payer's mobile terminal accesses the WAP server of the financial institution through the callback UAL, the WAP server of the financial institution automatically executes the mobile banking driving program installed in the payer's mobile terminal, thereby paying the payer's mobile. Mobile payment service method using a mobile banking, characterized in that to provide a payment screen whether the input payment approval on the terminal immediately. The method of claim 1, In step b, Include the VM unique code of the driving program for mobile banking in the payment request message sent, In step c, The mobile banking driving program installed in the payer's mobile terminal is automatically started through the VM unique code included in the payment request message, thereby providing an input screen for inputting payment approval on the payer's mobile terminal immediately. Mobile payment service method using a mobile banking. In the service that pays between the payee and the payer when transactions online or offline, a) receiving, by the mobile banking server, a payment transfer through mobile payment from a payer connected through a mobile terminal, and inputting a phone number and a transfer amount of the payee's mobile terminal; d) the mobile banking server transfers the payment from the payer's financial account to the payee's financial account, and sends a deposit completion message to the payee's mobile terminal; Mobile payment service method using a mobile bank, characterized in that configured to include. The method according to claim 1 or 5, Before step a, a-1) a mobile banking server applying for a mobile payment service from a payee and a payer connected through their mobile terminal, and downloading the mobile payment module to the connected mobile terminal; Mobile payment service method using a mobile bank, characterized in that to perform first. The method of claim 6, Step a-1), When the download of the inter-mobile payment module is completed, the mobile banking server mobile payment service using a mobile banking, characterized in that to register the financial account used for the inter-mobile payment service from the mobile terminal. The method according to claim 1 or 5, After completing step d, f) receiving, by the mobile banking server, a request for issuing a receipt proving the payment of the payer from the payee connected to the mobile terminal; g) the mobile banking server issuing a receipt according to the receipt issuance request, and transmitting a receipt issuance message to inform the mobile terminal of the payer that the receipt has been issued; h) the mobile banking server providing details of the issued receipt to the payer connected through the mobile terminal; Mobile payment service method using a mobile bank, characterized in that for performing additional. The method according to claim 1 or 5, In step d, The payer's financial account or the payee's financial account is selected as a pre-registered use account, the mobile-to-mobile payment service method using mobile banking.

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