KR20100136017A - System and method for processing settlement, server and recording medium - Google Patents

Abstract

PURPOSE: A system and a method for processing settlement, a server and a recording medium are provided to avoid the monetary loss of a mobile phone owner by preventing the misuse of a small-sum mobile phone bill payment caused by the loss of a mobile phone. CONSTITUTION: A system for processing settlement comprises the followings, An information receiving unit(215) receives the payment request information inputted through a user interface, and a real name authentication processor(220) confirms the real name authentication for a user who requests a payment service. A payment authentication processing unit(225) corresponds to the received payment request information to check whether or not the payment is enabled. An information generating unit(230) generates payment code information transmitted to a mobile phone number.

Description

System and Method for Processing Settlement, Server and Recording Medium

1 is a diagram illustrating a payment system configuration for providing a payment service according to an embodiment of the present invention.

2 is a diagram illustrating a payment system configuration for providing a payment service according to an embodiment of the present invention.

3 is a diagram illustrating a process for providing a payment service according to an embodiment of the present invention.

<Description of main parts of drawing>

100: first terminal 105: merchant server

110: payment server 115: communication company server

120: second terminal

The present invention, when using the phone bill micropayment service, when the mobile number and social security number is transmitted to the server, the server generates a payment code based on this and transmits it to the mobile phone, when executing the program for checking and transmitting the payment code provided in the mobile phone, Request for input (or selection) of program driving information for program driving, authenticate the input (or selection) of program driving information, check the payment code, and send it to the server. It is to overcome the problem that use can occur.

In general, in the case of the phone bill micropayment currently in service, a customer requesting payment enters a mobile phone number and social security number through a UI (User Interface) output to the terminal and sends it to the server. The SMS (Short Message Service) text message containing the code is transmitted, and the customer who confirms the text message enters the payment code through the terminal and transmits it to the server, and uses the Vonville micropayment service.

And, the method for the phone bill micropayment service, such as registered Patent No. 10-0344114, when entering the mobile phone number and the user's authentication number (that is, resident registration number) through the user terminal (PC), the authentication number A service for generating a text message to a mobile phone number and receiving a certification information input by the user who has confirmed the authentication number through the user terminal and processing payment after authentication is provided.

However, if a user loses a mobile phone, finds a social security number for a mobile phone owner acquired by a user who has lost a mobile phone, and uses a phone bill micropayment service, there is no way to solve this problem.

For this reason, there is a need for a method to solve the exploitation problem of the Phoneville micropayment service caused by the loss of the mobile phone, which leads to the financial loss of the owner of the mobile phone resulting from the abuse of the Phoneville micropayment service. This will adversely affect the activation of the Vonville micropayment service.

The present invention is to provide a method and system for solving the financial loss for the owner of the mobile phone caused by the abuse of the phone bill micropayment service due to the loss of the mobile phone, and a server and a program recording medium therefor.

In the payment processing method according to the present invention, when the mobile phone number information is received from the first terminal of the user, after confirming the program provided in the mobile phone corresponding to the mobile phone number, and confirms the encryption key decrypted through the confirmed program And processing the payment code encrypted by using the identified encryption key to be transmitted to the mobile phone corresponding to the mobile phone number; and decrypting and outputting the payment through a program included in the mobile phone driven through the password input. If the code is received through the first terminal of the user, characterized in that it comprises the step of performing the payment is processed through the validation of the received payment code.

On the other hand, in the payment processing method according to the present invention, when the mobile phone number information is received from the first terminal of the user, after confirming the program provided in the mobile phone corresponding to the mobile phone number, the payment code read through the confirmed program is Processing to be transmitted to a mobile phone corresponding to the mobile phone number; and when a payment code read and output through a program provided in a mobile phone driven through a password input is received through the first terminal of the user, the received payment And performing a payment process by checking the validity of the code.

The payment processing method according to the present invention further includes the step of processing the user's mobile phone subscriber authentication by transmitting the user information and the mobile phone number to a communication company server when further receiving user information about the user from the first terminal of the user. It is characterized by comprising.

The payment processing method according to the invention is characterized in that it further comprises the step of confirming whether or not the payment limit or the payment limit for the mobile phone number.

In the payment processing method according to the present invention, the payment code is generated by a shopping mall server (or a service providing server) requesting payment of a payment amount, or generated by a payment server providing a mobile payment service, or by a telecommunication company server. It is characterized by generating.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described payment processing method.

On the other hand, when the payment processing server according to the present invention receives the mobile phone number information from the first terminal of the user, after confirming the program provided in the mobile phone corresponding to the mobile phone number, and confirms the encryption key decrypted through the confirmed program After that, the means for processing the payment code encrypted using the identified encryption key is transmitted to the mobile phone corresponding to the mobile phone number, and the payment code decrypted and output through the program provided in the mobile phone driven through the password input Is received through the first terminal of the user, characterized in that it comprises a means for performing the payment to be processed through the validation of the received payment code.

On the other hand, the payment processing server according to the present invention, after receiving the mobile phone number information from the first terminal of the user, after confirming the program provided in the mobile phone corresponding to the mobile phone number, the payment code read through the confirmed program is Means for processing the data to be transmitted to the mobile phone corresponding to the mobile phone number, and if the payment code read and output through the program provided in the mobile phone driven through the password input is received through the first terminal of the user, the received payment It comprises a means for performing the payment to be processed through the validation of the code.

On the other hand, the payment processing system according to the present invention, after receiving the mobile phone number information from the first terminal of the user, after confirming the program provided in the mobile phone corresponding to the mobile phone number, and decrypts the encryption key decrypted through the confirmed program After confirming, the payment code encrypted using the identified encryption key is driven through a server and a password input processing to be transmitted to the mobile phone corresponding to the mobile phone number, decryption processing the encrypted payment code And a program for outputting the mobile phone screen to the mobile phone screen. When the payment code outputted through the program is received through the first terminal of the user, the server makes a payment through validation of the received payment code. It is characterized by performing to be processed.

On the other hand, in the payment processing system according to the present invention, when mobile phone number information is received from the first terminal of the user, after confirming the program provided in the mobile phone corresponding to the mobile phone number, the payment code read through the confirmed program is Characterized in that it is driven through the server and the password input processing to be transmitted to the mobile phone corresponding to the mobile phone number, characterized in that it comprises a program for reading the payment code and output to the mobile phone screen, the server When the payment code output through the program is received through the first terminal of the user, it is characterized in that the payment is processed through the validation of the received payment code.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a payment system configuration for providing a payment service according to an embodiment of the present invention.

In more detail, FIG. 1 shows that one or more users purchase goods through an internet shopping mall, pay after using one or more services through a server on the Internet that provides one or more services, or one or more services through a medical institution. After using, request a payment service, and provide a user interface including at least one input (or selection) interface corresponding thereto, the second terminal 120 information, user information, payment entered through the user interface Receiving payment request information including at least one amount of information, merchant information, and for the configuration of a payment system for providing a payment service based on the received payment request information, the general technical knowledge in the technical field to which the present invention belongs If you have a, to provide a payment service using the Figure 1 Various implementation methods for the payment system may be inferred, and the present invention is not limited thereto.

For example, one of ordinary skill in the art to which the present invention pertains may be provided in a single server incorporating one or more servers provided on the payment system by referring to and / or modifying the drawing 1, or in a plurality of servers. It may be provided, whereby the present invention is not limited.

Referring to FIG. 1, the payment system includes a user terminal that requests a payment service after purchasing a product through an internet shopping mall or using a service through a server that provides one or more services on the Internet. The user provides an internet shopping mall service to provide an internet shopping mall to gradient goods, or requests a mobile phone payment service through an affiliate server 105 that provides one or more services, and the affiliate server 105 to provide a payment service. Provide a user interface for inputting (or selecting) payment request information including one or more second terminal 120 information, user information, payment amount information, and merchant information to the terminal, and inputting (or Payment server 110 that provides payment service by receiving payment request information; In order to provide a payment service from the payment server 110, the user who requested the mobile phone payment is verified (that is, the subscriber authentication based on the mobile number and the received user information), and whether the user can provide the payment service. Characterized in that it comprises a carrier server 115 to confirm / provide.

The user terminal requests payment of a purchase price of a product to purchase a product through an internet shopping mall, or uses one or more services provided by a server on the Internet, or applies for use, and then requests payment of a service fee. After requesting a mobile phone payment interface to use the service, and processing the mobile phone payment interface received according to the request, the payment request information input through the output mobile phone payment interface payment server 110 (or merchants) Server 105 to request a mobile phone payment.

The payment interface may include one or more user interfaces for inputting payment request information including one or more second terminal 120 information, user information, payment amount information, and merchant information. The user interface for entering request information may be provided in one or more windows.

The affiliated store server 105 may provide an Internet shopping mall service to provide an Internet shopping mall to the user terminal, and provide one or more services.

For example, the affiliated store server 105 may be an internet shopping mall server or a server on the Internet that provides one or more contents.

When the payment server 110 requests a mobile phone payment for a payment service through the affiliate server 105, the payment server 110 includes one or more second terminal 120 information, user information, payment amount information, and merchant information to the user terminal. It provides a user interface (that is, a payment interface) for receiving (or selecting) payment request information, and receives payment request information input (or selected) through the provided user interface to provide a payment service. .

According to an embodiment of the present invention, if the payment service is input (or selected) through the provided user interface and the payment request information is received from the user terminal, the received payment request information After checking the user authentication corresponding to the payment and whether or not payment is possible, it is preferable to generate payment code information to be transmitted to the mobile number included in the payment request information, and the generated payment code information to the second terminal 120 is preferable. .

Here, the user interface (that is, the payment interface) may be provided by the affiliated store server 105 in addition to the payment server 110, thereby the present invention is not limited.

In addition, the payment code may be generated by a shopping mall server (or service providing server) requesting payment of a payment amount, generated by a payment server 110 that provides a payment service, or may be generated by a communication company server 115.

The telecommunication company server 115 checks the user who requested the mobile phone payment (that is, the subscriber authentication based on the mobile number and the received user information) in order to provide a payment service from the payment server 110, and the payment service. It is characterized by checking / providing whether the user can provide the service.

2 is a diagram showing the configuration of a payment system 205 for providing a payment service according to an embodiment of the present invention.

In more detail, Figure 2, one or more users purchase goods through an Internet shopping mall, or after using one or more services through a server on the Internet that provides one or more services, or one or more services through a medical institution, etc. After using, request a payment service and provide a user interface including at least one input (or selection) interface corresponding thereto, and then use the payment information including one or more mobile number information and user information input through the user interface. Regarding the configuration of a payment system 205 for receiving request information and providing a payment service based on the received payment request information, the person having ordinary technical knowledge in the technical field to which the present invention pertains, FIG. Payment system 205 to provide a payment service using For it will be able to infer the various exemplary methods, to which the present invention is not limited.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 2 so that one or more means provided on the payment system 205 is provided in a single server or a plurality of servers. It may be provided in, thereby the present invention is not limited.

In addition, each function configuration means provided on the payment system 205 is divided into a plurality of function configuration means, or a plurality of function configuration means combined into one function configuration means, or each function One or more functions of the constituent means may be separated / combined, thereby not limiting the invention.

Referring to FIG. 2, when the payment system 205 purchases a product or uses a service through one or more servers on the Internet, and requests a payment service corresponding thereto, a corresponding user interface (ie, a payment interface) Interface providing means (210) and payment target mobile phone number information, carrier information, user information, payment amount information, and merchant information input (or selected) through the provided user interface (i.e., payment interface). Information receiving means 215 for receiving payment request information including one or more, and real name authentication for the user who requested the payment service in response to the received payment request information (i.e., payment target mobile phone number information and user information); Real name authentication processing means 220 to confirm the real name authentication based on the user who requested the payment service; When real name authentication is completed, payment authentication processing means 225 for checking whether payment is possible in response to the received payment request information, and if it is confirmed that payment is possible for the user who has requested the mobile phone payment, payment to be transmitted to the mobile phone number. Information generation means 230 for generating code information, payment approval processing means 235 for transmitting the generated payment code information to the second terminal 260 to process payment approval, and the transmitted payment code information When received, characterized in that it comprises a payment processing means 240 for providing a payment service by authenticating the received payment code.

The interface providing unit 210 provides a user interface (ie, a payment interface) corresponding to the request for a payment service after purchasing goods or using a service through one or more servers on the Internet. It is done.

According to an embodiment of the present invention, the user interface (ie, the payment interface) includes information on the second terminal 260 (for example, mobile phone number information, etc.), user information, and payment amount for the user requesting the payment service. It is preferable to include an area for inputting payment request information including one or more information and merchant information, and to input one or more information included in the payment request information according to the intention and purpose of those skilled in the art, a separate window It is preferred to include a user interface for input (or selection) via.

Here, the provided user interface (ie, the payment interface) may be provided through (or directly) through the affiliate server or payment server or the carrier server 255 shown in FIG. 1, whereby the present invention is limited. No.

When payment request information including one or more second terminal 260 information, user information, payment amount information, and merchant information is input through a user interface (ie, a payment interface) provided through the interface providing means 210, The information receiving means 215 is characterized in that for receiving the payment request information input through the user interface.

The second terminal 260 information is a payment service in order to process payment using the payment service using the payment service or the service purchase charges generated by the purchase of one or more products through the merchant providing the payment service using the service, IC (Integrated Circuit) such as USIM (Universal Subscriber Identity Module) information provided in the terminal, such as the phone number of the mobile phone requesting the actual payment request, the terminal specific information for the wireless terminal, or the wireless terminal, etc. It is preferable to include one or more pieces of information (eg, IP address information) about the terminal including chip information or the like or having a communication function such as IPTV (Internet Protocol TeleVision).

The user information is provided to a user requesting a payment service in order to process a purchase price of a product purchased through one or more merchants that provide the payment service or a service usage fee generated by using a service using a payment service. Personal information (eg, name, social security number, home phone number, etc.) is preferably included.

The payment amount information is used to settle the payment of the service purchase fee or the service usage fee generated by using the service purchase price of one or more goods through the merchant providing the payment service using the payment service, It is preferable to include the amount of information to be paid.

The Pawnville affiliated store information is a purchase price of at least one product purchased through the affiliated store that provides the payment service or a service usage fee generated by using a service using a payment service, and then payment according to the payment processing completion It is preferable to include at least one or more merchant name, merchant address, telephone number, representative name, merchant code, etc. for the merchant to be paid.

When payment request information is received through the information receiving means 215, in order to process the received payment request information, the real name authentication processing means 220 is based on the received payment request information in connection with a communication company system It is characterized in that the real name authentication for the user who requested the phone bill payment payment (that is, whether or not the matching of the name information for the mobile number and the name input by the user).

According to the exemplary embodiment of the present invention, the real name authentication process corresponding to the received payment request information may include the second terminal 260 information and the user information included in the received payment request information to the second terminal 260. It is preferable to verify the real name authentication by transmitting to the carrier server 255.

Those skilled in the art will be familiar with the technical features of the process of processing the real name authentication for providing the payment service, the detailed description thereof will be omitted for convenience.

When the real name authentication for the user is completed, the payment authentication processing unit 225 checks whether the user is a user who can use the payment service through the payment service in response to the payment request information.

According to an embodiment of the present invention, the payment approval processing corresponding to the payment service requested by the user may include receiving the payment limit information and the received payment limit information when the payment limit information that can be paid from the communication company server 255 is received. It is preferable to process the payment approval by comparing / confirming the payment amount included in the payment request information.

That is, when a user requests to pay a payment amount of 100,000 won using a payment service, when the user receives a payment limit of 100,000 won or more from the telecommunication company server 255, the payment is processed as completed and 100,000 won If less than the payment limit is received, it is desirable to treat the payment as a failure.

Here, the payment amount preferably further comprises the payment amount according to the payment service provided in the actual product purchase price or service use fee.

Thereafter, when payment authentication is completed through the payment verification processing means 225, the information generating means 230 generates payment code information to be transmitted to the mobile phone number when it is confirmed that payment is possible for the user who requested the mobile phone payment. Characterized in that.

According to an embodiment of the present invention, the location for generating the payment code is a shopping mall server (or a service providing server) requesting payment for a payment amount, a payment server for providing a payment service, or a carrier server 255. It is preferable.

According to the embodiment of the present invention, it is preferable that the payment code is a one-time payment code to be transmitted to the second terminal 260.

In this case, in order to process the payment code to be output to the second terminal 260, it is preferable to perform an encryption process, and in order to encrypt the payment code, the program provided in the second terminal 260 is checked. It is preferable to perform an encryption process using an encryption key corresponding to the decryption key included in the identified program.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method or process for generating the payment code information to be transmitted to the second terminal 260, the detailed description thereof for convenience Omit.

When the payment code to be transmitted to the mobile phone number is generated through the information generating means 230, the payment approval processing means 235 transmits the generated payment code information to the mobile phone number to process payment approval. do.

According to an embodiment of the present invention, the payment code to be transmitted is information to be transmitted to the mobile phone number via SMS (Short Message Service) or MMS (Multimedia Message Service) when the second terminal 260 is a mobile phone. It is preferable that the payment code is encrypted to prevent exposure to the public, and other methods besides SMS or MMS may be used according to the intention and purpose of those skilled in the art.

In addition, after the encrypted payment code is transmitted through the second terminal 260, in order to process the output through the second terminal 260, outputs the payment code provided in the second terminal 260 It is preferable that the driving request information for driving the program to further comprise.

For example, when an SMS or MMS including the driving request information is received from a mobile phone, it is preferable to check a program corresponding to the received driving request information and to process the checked program to be automatically executed. SMS or MMS can be sent directly to the driven program, not the text box of the mobile phone to be processed so that it does not remain in the text box.

According to the exemplary embodiment of the present invention, the driving information for transmitting to the second terminal 260 is preferably program driving information for driving a program included in the second terminal 260 of the user who requested the payment.

If the payment code transmitted to the second terminal 260 is an encrypted payment code, it is preferable to process the encrypted payment code to be output after decrypting the encrypted payment code.

For example, when the second terminal 260 is a mobile phone, the driving information transmitted to the mobile phone number is program driving information for processing to drive a program included in the mobile phone of the user who requested the payment. It is preferable that the information is required when driving a program for outputting the issued payment code.

After transmitting the payment code information through the payment approval processing means 235 to the second terminal 260 to process the program for checking the payment code information, and if the payment code is transmitted through the driven program, The payment processing unit 240 checks whether the payment code information received from the second terminal 260 matches the generated payment code information, and processes the approval for the payment service requested by the user. .

According to an embodiment of the present invention, the program for outputting the payment code is a password (or secret code) before outputting the payment code after the program for outputting the payment code is automatically (or manually) driven. It is preferable to further comprise a function for requesting input.

That is, if a program for outputting the received payment code is executed after the text message including the payment code information is received, the user for driving the program is input (or selected) before outputting the payment code through the program. It is preferable to further comprise the step of verifying the password (or secret code).

Here, it is preferable that the driving information authentication for executing the program for transmitting the payment code is a server (for example, a communication company server 255, etc.) on a mobile phone or a communication network.

Thereafter, when a payment code is received from the second terminal 260, it is preferable to process authentication for providing a payment service by checking whether the received payment code matches the generated payment code.

Alternatively, when a payment code is received from the second terminal 260, it is preferable to process authentication for providing a payment service by checking whether the received payment code matches the generated payment code.

Here, the payment code transmitted from the second terminal 260 is automatically transmitted through a program provided in the second terminal 260, or it is preferable that the user inputs and transmits after confirming the payment code.

In addition, the payment code transmitted from the second terminal 260 is preferably an encrypted payment code for decryption and output through a program provided in the second terminal 260.

If authentication for the received payment code is completed, it is preferable to complete the payment processing for the payment service requested by the user.

Those skilled in the art will be familiar with the technical features of the method or process for the payment processing process for the payment service, the detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the payment system 205 stores the payment history information according to the payment service provided by the mobile phone number in the storage medium 250 after providing the payment service according to the user's request. It is characterized by comprising (245).

Here, the payment history information stored in the storage medium 250 is used as information for processing settlement with the affiliate store the amount of payment processed through the payment service.

3 is a diagram illustrating a process for providing a payment service according to an embodiment of the present invention.

In more detail, FIG. 3 shows that one or more users purchase goods through an internet shopping mall, pay after using one or more services through a server on the Internet that provides one or more services, or one or more services through a medical institution. After using, request a payment service and provide a user interface including one or more input (or selection) interfaces corresponding thereto, and then use the second terminal 260 information and the user information input through the user interface. Receiving payment request information including the above, and the process for providing a payment service based on the received payment request information, if the person having ordinary technical knowledge in the technical field to which the present invention belongs, use FIG. Various implementation methods for the process of providing payment services It will be able to, to which the present invention is not limited.

In FIG. 3, the payment system 205 shown in FIG. 2 is referred to as a “server” for convenience, and a user terminal is referred to as a “terminal” for convenience.

Referring to FIG. 3, the terminal shown in FIG. 2 requests a user interface for providing a payment service (300a), and correspondingly, the server generates (or extracts) a user interface corresponding to the request of the terminal. In step 305a, the terminal transmits the data to the terminal for processing (310a), and checks whether the payment request information is input (or selected) through the output user interface (315a).

According to an embodiment of the present invention, the user interface (ie, the payment interface) includes information on the second terminal 260 (for example, mobile phone number information, etc.), user information, and payment amount for the user requesting the payment service. It is preferable to include an area for inputting payment request information including one or more information and merchant information, and to input one or more information included in the payment request information according to the intention and purpose of those skilled in the art, a separate window It is preferred to include a user interface for input (or selection) via.

Here, the provided user interface (ie, the payment interface) may be provided through (or directly) through the affiliate server or payment server or the carrier server 255 shown in FIG. 1, whereby the present invention is limited. No.

If the input (or selection) of the received payment request information is confirmed (320a), the terminal transmits the input (or selection) payment request information to a server (325a), and correspondingly the server In operation 330a, real name authentication of the user who requested the payment service corresponding to the received payment request information is performed.

The second terminal 260 information is a payment service in order to process payment using the payment service using the payment service or the service purchase charges generated by the purchase of one or more products through the merchant providing the payment service using the service, IC (Integrated Circuit) such as USIM (Universal Subscriber Identity Module) information provided in the terminal, such as the phone number of the mobile phone requesting the actual payment request, the terminal specific information for the wireless terminal, or the wireless terminal, etc. It is preferable to include one or more pieces of information (eg, IP address information) about the terminal including chip information or the like or having a communication function such as IPTV (Internet Protocol TeleVision).

The user information is a user requesting a payment service in order to process a payment using a payment service for a purchase price of a product or a service usage fee generated by use of a service purchased at least one product through a merchant providing the payment service. It is preferable that the personal information (for example, name, social security number, home phone number, etc.) is included.

The payment amount information is settled using a settlement service to process a settlement using a settlement service for a purchase price of a product purchased through at least one product through a merchant that provides the settlement service or a service usage fee generated by using a settlement service. It is preferable to include the amount of information to be.

The Pawnville affiliated store information is a purchase price of at least one product purchased through the affiliated store that provides the payment service or a service usage fee generated by using a service using a payment service, and then payment according to the payment processing completion It is preferable to include at least one or more merchant name, merchant address, telephone number, representative name, merchant code, etc. for the merchant to be paid.

According to the exemplary embodiment of the present invention, the real name authentication process corresponding to the received payment request information may include the second terminal 260 information and the user information included in the received payment request information to the second terminal 260. It is preferable to verify the real name authentication by transmitting to the carrier server 255.

Those skilled in the art will be familiar with the technical features of the process of processing the real name authentication for providing the payment service, the detailed description thereof will be omitted for convenience.

If the real name authentication for the user who requested the payment service is not confirmed (335a), the server generates (or extracts) real name authentication confirmation error information for the received payment request information and transmits it to the terminal for output. Process 340a.

On the other hand, if the real name authentication for the user who requested the payment service is confirmed (335a), the server checks whether or not payment is possible for the user who requested the payment service (345a).

According to an embodiment of the present invention, the payment approval processing corresponding to the payment service requested by the user may include receiving the payment limit information and the received payment limit information when the payment limit information that can be paid from the communication company server 255 is received. It is preferable to process the payment approval by comparing / confirming the payment amount included in the payment request information.

That is, when a user requests to pay a payment amount of 100,000 won using a payment service, when the user receives a payment limit of 100,000 won or more from the telecommunication company server 255, the payment is processed as completed and 100,000 won If less than the payment limit is received, it is desirable to treat the payment as a failure.

Here, the payment amount is preferably made to further include the payment amount according to the payment service provided in the actual product purchase price or service use fee.

If payment for the received payment request information is not possible (350a), error processing information for lack of payment for the received payment request information is generated (or extracted) and transmitted to the terminal for processing (355a). ).

On the other hand, if payment is possible for the received payment request information (350a), the server generates (or extracts) a payment code to be transmitted to the terminal (300b).

According to an embodiment of the present invention, the location for generating the payment code is a shopping mall server (or a service providing server) requesting payment for a payment amount, a payment server for providing a payment service, or a carrier server 255. It is preferable.

According to the embodiment of the present invention, it is preferable that the payment code is a one-time payment code to be transmitted to the second terminal 260.

In this case, in order to process the payment code to be output to the second terminal 260, it is preferable to perform an encryption process, and in order to encrypt the payment code, the program provided in the second terminal 260 is checked. It is preferable to perform an encryption process using an encryption key corresponding to the decryption key included in the identified program.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method or process for generating the payment code information to be transmitted to the second terminal 260, detailed description thereof will be omitted for convenience. do.

Thereafter, the server transmits the generated (or extracted) payment code information included in the received payment request information to a mobile phone number through a text message (305b), and correspondingly outputs a payment code from the mobile phone. After driving the program (310b), a request for inputting a password for outputting the received payment code through the driven program, and if the password is entered to authenticate it (315b).

According to an embodiment of the present invention, the payment code to be transmitted is information to be transmitted to the mobile phone number via SMS (Short Message Service) or MMS (Multimedia Message Service) when the second terminal 260 is a mobile phone. It is preferable that the payment code is encrypted to prevent exposure to the public, and other methods besides SMS or MMS may be used according to the intention and purpose of those skilled in the art.

In addition, after the encrypted payment code is transmitted through the second terminal 260, in order to process the output through the second terminal 260, outputs the payment code provided in the second terminal 260 It is preferable that the driving request information for driving the program to further comprise.

For example, when an SMS or MMS including the driving request information is received from a mobile phone, it is preferable to check a program corresponding to the received driving request information and to process the checked program to be automatically executed. SMS or MMS can be sent directly to the driven program, not the text box of the mobile phone to be processed so that it does not remain in the text box.

If the authentication for the input password is not confirmed (320b), the mobile phone generates (or extracts) authentication error information for the input password, processes it to be output, and transmits it to the server (325b).

On the other hand, if the authentication of the input password is confirmed (320b), and outputs the received payment code through the program driven through the mobile phone (330b), the user confirming the output payment code through the terminal It is checked whether the payment code is input (or selected) (335b).

If a payment code is input (or selected) through the terminal (340b), the terminal transmits a payment code to the server (345b), and correspondingly, the server receives the received authentication number (or authentication code). And check whether the generated payment code matches (350b).

If the received payment code and the generated payment code do not match with each other (355b), the server generates (or extracts) matching error information for the received payment code and transmits it to the terminal (or mobile phone). Process to be output (360b).

On the other hand, if the received payment code and the generated payment code is mutually matched (355b), the server provides a mobile phone payment service requested by the user, and notifies the user of the processing result thereof, or in Figure 2 The storage medium 250 provided in the illustrated payment system 205 is stored (365b).

According to an embodiment of the present invention, the program for outputting the payment code is a password (or secret code) before outputting the payment code after the program for outputting the payment code is automatically (or manually) driven. It is preferable to further comprise a function for requesting input.

That is, if a program for outputting the received payment code is executed after the text message including the payment code information is received, the user for driving the program is input (or selected) before outputting the payment code through the program. It is preferable to further comprise the step of verifying the password (or secret code).

Here, it is preferable that the driving information authentication for executing the program for transmitting the payment code is a server (for example, a communication company server 255, etc.) on a mobile phone or a communication network.

Thereafter, when a payment code is received from the second terminal 260, it is preferable to process authentication for providing a payment service by checking whether the received payment code matches the generated payment code.

Alternatively, when a payment code is received from the second terminal 260, it is preferable to process authentication for providing a payment service by checking whether the received payment code matches the generated payment code.

Here, the payment code transmitted from the second terminal 260 is automatically transmitted through a program provided in the second terminal 260, or it is preferable that the user inputs and transmits after confirming the payment code.

If authentication for the received payment code is completed, it is preferable to complete the payment processing for the payment service requested by the user.

Those skilled in the art will be familiar with the technical features of the method or process for the payment processing process for the payment service, the detailed description thereof will be omitted for convenience.

According to the present invention, it is possible to prevent the financial loss to the mobile phone owner caused by the abuse of the phone bill micropayment service due to the loss of the mobile phone and thereby to provide a safe phone bill micropayment service.

Claims (10)

When the mobile number information is received from the first terminal of the user, checking a program provided in the mobile phone corresponding to the mobile number, and then confirming an encryption key decrypted through the checked program; Processing the payment code encrypted using the identified encryption key to be transmitted to the mobile phone corresponding to the mobile phone number; Performing a payment process by checking the validity of the received payment code when a payment code decrypted and output through a program provided in a mobile phone driven through a password input is received through the first terminal of the user; Payment processing method comprising the. When the mobile phone number information is received from the first terminal of the user, after confirming the program provided in the mobile phone corresponding to the mobile phone number, processing is performed so that a payment code read through the confirmed program is transmitted to the mobile phone corresponding to the mobile phone number. Doing; Performing a payment process by checking the validity of the received payment code when a payment code read and output through a program provided in a mobile phone driven through a password input is received through the first terminal of the user; Payment processing method comprising the. The method according to claim 1 or 2, And further receiving the user information about the user from the first terminal of the user, and transmitting the user information and the mobile number to a telecommunication company server to process authentication of the mobile phone subscriber of the user. Way. The method according to claim 1 or 2, The payment processing method characterized in that it further comprises the step of checking whether or not the payment limit for the mobile number. The method of claim 1 or 2, wherein the payment code, The payment processing method, characterized in that generated in the shopping mall server (or service providing server) requesting payment of the payment amount, generated in the payment server for providing a mobile phone payment service, or generated by the carrier company server. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. When the mobile phone number information is received from the first terminal of the user, after confirming the program provided in the mobile phone corresponding to the mobile phone number, after confirming the encryption key decrypted through the confirmed program, by using the confirmed encryption key Means for processing the encrypted payment code to be transmitted to the mobile phone corresponding to the mobile phone number; Means for performing a payment process by checking the validity of the received payment code when a payment code decrypted and outputted through a program provided in a mobile phone driven through a password input is received through the first terminal of the user; Payment processing server characterized in that it comprises a. When the mobile phone number information is received from the first terminal of the user, after confirming the program provided in the mobile phone corresponding to the mobile phone number, processing is performed so that a payment code read through the confirmed program is transmitted to the mobile phone corresponding to the mobile phone number. Means for doing so; Means for performing a payment process by checking the validity of the received payment code when a payment code read and output through a program provided in a mobile phone driven through a password input is received through the first terminal of the user; Payment processing server characterized in that it comprises a. When the mobile phone number information is received from the first terminal of the user, after confirming the program provided in the mobile phone corresponding to the mobile phone number, after confirming the encryption key decrypted through the confirmed program, by using the confirmed encryption key A server for processing the encrypted payment code to be transmitted to the mobile phone corresponding to the mobile phone number; And Characterized in that it is driven through a password input, a program for decrypting the encrypted payment code to output to the screen of the mobile phone, characterized in that comprises; The server, if the payment code output through the program is received through the first terminal of the user, the payment processing system characterized in that the payment is processed by checking the validity of the received payment code. When the mobile phone number information is received from the first terminal of the user, after confirming the program provided in the mobile phone corresponding to the mobile phone number, processing is performed so that a payment code read through the confirmed program is transmitted to the mobile phone corresponding to the mobile phone number. Server; And Characterized in that it is driven through a password input, the program to read the payment code to output on the mobile phone screen, characterized in that comprises a, The server, if the payment code output through the program is received through the first terminal of the user, the payment processing system characterized in that the payment is processed by checking the validity of the received payment code.

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