KR20110073626A - Method for charging advance payment card using mobile phone's rf reader/writer, mobile phone and recording medium - Google Patents

Abstract

PURPOSE: A prepaid card charging method and recording medium which uses RF reader/writer are provided to utilize RF reader/writer of a user mobile terminal and to easily charge a prepaid card. CONSTITUTION: A payment request receiving unit(100) receives prepaid card filling information from a server on communications network. The prepaid card filling information includes a charging command, a charging code value, or a charging message. An RF reader/writer charges the prepaid card by using the received prepaid card charging information. The charged amount is charged on the prepaid card.

Description

Method for charging prepaid card using RF reader / writer in mobile phone and mobile phone and recording medium for this method {Method for Charging Advance Payment Card using Mobile Phone's RF Reader / Writer, Mobile Phone and Recording Medium}

The present invention provides a specific place (e.g., charging station, etc.) to charge a prepaid card (e.g., prepaid transportation card, etc.) used by the user through an RF reader / writer that can be connected to a mobile phone equipped with various functions. It is to provide a method and system that can easily charge / use the prepaid card anytime, anywhere by visiting and conveniently charging through a mobile phone.

With the development of information and communication technology, mobile phones are gradually improving / developing, and the current mobile phones exhibit performances beyond those of PCs in the past, and various devices can be detached / removed by miniaturizing various peripheral devices.

In addition, one of the payment methods that people use a prepaid card, such a prepaid card provides a variety of convenience to the user.

For example, users may of course use credit cards, but people who have not been issued due to age or the like are using prepaid cards, which require periodic recharging.

However, the feature of this prepaid card is to visit a specific place where the prepaid card can be charged, in order to charge it, the user must take the inconvenience.

An object of the present invention for solving the above problems is to make it possible to easily charge anytime and anywhere prepaid card to be charged by utilizing (or connected) RF Reader / Writer provided in the user's mobile phone.

The present invention includes at least one prepaid card charge information-charge command set, a charge code value, a charge message from a server on a communication network in a user's mobile phone when the payment processing for a user-owned or third-party prepaid card charge amount is completed. Receiving the information, driving the RF reader / writer in the mobile phone, and using the received prepaid card charging information in a program provided in the mobile phone, the user owns the user through the driven RF reader / writer. Or it provides a prepaid card charging method using an RF reader / writer provided in the mobile phone comprising the step of charging the charge amount on the third party owned prepaid card.

According to the present invention, there is an advantage that can be easily charged through a mobile phone without visiting a separate place for charging the prepaid card.

According to the present invention, after the user (child) requests the payment of the prepaid card to the payer (parent), and after the payment (parent) the payment process, by processing the prepaid card charging through the mobile phone of the user (child), There is an advantage that enables the charging / utilization of the prepaid card conveniently.

The mobile phone according to the present invention, using a receiving unit for receiving prepaid card charging information-information including one or more charging instruction set, charging code value, charging message-from the server on the communication network, and using the received prepaid card charging information, And a control unit for controlling the RF reader / writer for processing the charge amount on a user-owned or third-party prepaid card.

In the mobile phone according to the present invention, the control unit, when the prepaid card information to be charged on the prepaid card charging information, the prepaid card information from the user-owned or third-party prepaid card through the RF Reader / Writer When is read, by comparing the read prepaid card information and the charging target prepaid card information included on the prepaid card charging information, characterized in that to validate the validity of the prepaid target card.

The mobile phone according to the present invention is characterized in that it further comprises a payment processing unit for performing a payment processing for the prepaid card charge amount in conjunction with a server on the communication network.

On the other hand, the prepaid card charging method using the RF reader / writer provided in the mobile phone according to the present invention, when the payment processing for the user-owned or third-party prepaid card charge amount is completed, prepaid from the server on the communication network in the user's mobile phone Receiving card charging information-information including a charge command set, a charge code value, and at least one charge message; driving an RF reader / writer in the mobile phone; and receiving the prepaid received program in the mobile phone. And charging the charge amount on the user-owned or third party-owned prepaid card through the driven RF reader / writer using the card charging information.

The prepaid card charging method using the RF reader / writer provided in the mobile phone according to the present invention, when the prepaid card information to be charged on the prepaid card charging information, the RF reader / writer in the program provided in the mobile phone Reading prepaid card information from the user-owned or third party-owned prepaid card through the prepaid card information included in the prepaid card information and the prepaid card charge information included in the program provided in the mobile phone; Comparing with, characterized in that further comprises the step of authenticating the validity of the prepaid card to be charged.

The prepaid card charging method using the RF reader / writer provided in the mobile phone according to the present invention is characterized in that the mobile phone further comprises the step of performing a payment processing for the prepaid card charge amount through a server on the communication network. .

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the prepaid card charging method using the RF reader / writer provided in the above-mentioned mobile phone.

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 showing the configuration of a prepaid card charging system for prepaid card charging using a RF reader / writer provided in a mobile phone according to the first embodiment of the present invention.

In more detail, in FIG. 1, prepaid card charge request information including prepaid card information to be charged and user mobile phone 170 information to be charged and a prepaid card charge amount information to be charged from the user terminal 175 are received. In response to the user's mobile phone 170 information-based messaging, after driving the payment program provided in the user's mobile phone 170, the card issuer information and the charge amount corresponding to the charge amount information and prepaid card information to be charged Providing payment history information including one or more payment processing information (payment due date, request number, request date and time) dynamically configured for payment processing to the user mobile phone 170 and outputting it through the payment program and outputting the payment program. Payment information corresponding to the user payment method selected through (payment method selection information, payment method information, payment method authentication information, user After receiving payment information) and processing the payment for the charge amount information, and shows a system configuration for processing the charging of the prepaid card to be charged through the user mobile phone 170 equipped with an RF reader / writer, Those skilled in the art to which the invention pertains, various embodiments of the present invention for the prepaid card charging system for prepaid card charging using the RF reader / writer provided in the mobile phone by referring to and / or modifying the Figure 1 (Eg, some implementations may be omitted, subdivided, or combined), but the present invention may include all implementation methods inferred by the implementation method shown in FIG. The technical features are not limited.

For example, each means of constituting the prepaid card charging system of the present invention may be implemented in the form of one individual server in itself, or in the form of a program code provided in a part of a server and a part of a server. It is possible to implement both, or to implement in the form of a program that each means are all provided in a particular server.

In addition, hereinafter, description of the subsequent drawings, which maintain the description of the previous drawings after the drawing 1 will be omitted for convenience.

According to the present invention, the prepaid card charging system for prepaid card charging using the RF reader / writer provided in the mobile phone, the charge prepaid card information, the user mobile phone 170 information and the charge amount information at the user's charge request Is connected to the user terminal 175 for transmitting the prepaid card charging request information and the user mobile phone 170 corresponding to the information of the user mobile phone 170, the Bansa server and card company server (or financial company server) for payment processing Connected with

The user mobile phone 170 is provided with a payment program that is remotely driven through the messaging based on the user mobile phone 170 information received from the user terminal 175, the payment program is a payment received from the prepaid card charging system And a program code for outputting the details information, selecting a user payment method, inputting payment method information, payment method authentication information, and user specific information corresponding to the selected user payment method and transmitting the same to the prepaid card charging system. .

In addition, the payment program provided in the user's mobile phone 170, the payment processing for the prepaid card charge charge processing for the prepaid card charge amount through the messaging based on the user's mobile phone 170 information received from the user terminal 175 And a program code configuration for receiving / reading a prepaid card charging request message to drive / control an RF reader / writer provided in the user mobile phone 170.

According to another exemplary embodiment of the present invention, the user terminal 175 (not shown) prepaid card charge request information further includes charging target prepaid card information, user mobile phone 170 information, charge amount information and card issuer information. May be provided to the prepaid card charging system, the charging target prepaid card information may be omitted.

For example, when charging a prepaid card / electronic money using a prepaid card charging system for prepaid card charging using the RF Reader / Writer provided in the mobile phone, to request the charge payment in the user terminal 175 Recharge the prepaid card, including the card issuer information (or information on the operating institution (or charger) that charges / operates the prepaid card) that issued the prepaid card, the prepaid card information to be charged, the user mobile phone 170 information, and the amount of charge information. Request information may be provided to the prepaid card charging system.

Referring to FIG. 1, the prepaid card charging system for prepaid card charging using the RF reader / writer included in the mobile phone is included in the prepaid card request information when the prepaid card charge request information is transmitted from the user terminal 175. And a prepaid card management D / B 160 for storing prepaid card recharge information for the prepaid card issued by the card issuer and the card issuer information that issued the prepaid card to be charged. The prepaid card recharge information is prepaid. If the prepaid card charging information is different according to the card type, the prepaid card type information is further included.

In addition, the prepaid card charging system for charging the prepaid card using the RF reader / writer provided in the mobile phone, to the charge request prepaid card provided by the user who requested the prepaid card charging for the management of the charge history charged the prepaid card And a prepaid card operation D / B 150 for storing prepaid card information, customer information about the owner (or payer) of the prepaid card, and payment history information charging the prepaid card.

The payment history information may include at least one of a charging date, a charging time, a charging amount, a residual amount remaining on the prepaid card at the time of charging, information on the user terminal 175 requesting the prepaid card to be charged, and information about a charging terminal charging the prepaid card. Include.

In addition, the prepaid card charging system for charging the prepaid card using the RF reader / writer provided in the mobile phone, the payment to the user mobile phone 170 corresponding to the user mobile phone 170 information included in the prepaid card charging request information If a program is not provided, a program D / B 155 for storing a payment program to be provided to the user mobile phone 170 is provided.

Here, the payment program may be classified and provided by a mobile phone platform (eg, an operating system for each mobile phone, a middleware platform, etc.) provided in each user mobile phone 170.

Referring to FIG. 1, the prepaid card charging system for charging a prepaid card using the RF reader / writer provided in the mobile phone includes: a user mobile phone 170 corresponding to information of the user mobile phone 170 included in the prepaid card charging request information; In the case of transmitting a wireless message including a callback URL, a page management D / B for constructing and operating a wireless page corresponding to the callback URL is provided.

The wireless page operated through the page management D / B searches for whether a payment program is provided in the user's mobile phone 170, proceeds with the download if it is not available, and provides the user with the user's mobile phone 170. It includes execution code for driving the payment program.

Hereinafter, in the present invention, the wireless page means a wireless internet page or a full browsing web page that basically includes the execution code.

Referring to FIG. 1, the prepaid card charging system for charging a prepaid card using the RF reader / writer provided in the mobile phone, the prepaid card information, the user's mobile phone 170 information, and the amount of charge to be charged from the user terminal 175. Prepaid card charging for charging a prepaid card using RF reader / writer provided in the mobile phone is a payment request receiving means for receiving information 100 and the user mobile phone 170 corresponding to the received user mobile phone 170 information In order to provide a wireless page for accessing a system to the user mobile phone 170, a message is transmitted by constructing a wireless page including the callback URL to the user mobile phone 170 corresponding to the user mobile phone 170 information. Prepaid for charging a prepaid card using means 105 and an RF reader / writer provided in the mobile phone via the callback URL in the user mobile phone 170. Access to the charging system, the page providing means 110 for providing a wireless page containing the execution code to the user mobile phone 170, if the payment program is not provided in the user mobile phone 170, It further comprises a program providing means 115 for providing a payment program to the user mobile phone (170).

The prepaid card charge request including the prepaid card information, the user's mobile phone 170 information and the charge amount information to be charged in the user terminal 175 including the user's computer or mobile phone requesting the prepaid card charge through the prepaid card charging system; When the information is input and transmitted through the communication network, the payment request receiving means 100 receives the prepaid card charging request information through the communication network.

According to the exemplary embodiment of the present invention, the user terminal 175 includes a payment program for inputting and transmitting the prepaid card charge request information, or the prepaid card charge request information through a web page (or wireless page) connection method. Can be sent by typing.

If the user terminal 175 is a mobile phone and the prepaid card charge request information is input by the user mobile phone 170, the user mobile phone 170 information included in the prepaid card request information is transmitted to the user mobile phone 170. Checking the stored user's mobile phone 170 information may be automatically entered on the payment program or web page (or wireless page).

When the prepaid card charge request information is received from the user terminal 175, the message transmitting means 105 constructs a wireless message including a callback URL to the user mobile phone 170 information included in the prepaid card charge request information. To the user's mobile phone (170) corresponding to the wireless page, the user's mobile phone (170) corresponding to the information on the user's mobile phone (170) is searched if a payment program is provided, and if not in progress to proceed with the download; , If provided, the execution code for driving the payment program provided in the user's mobile phone (170).

Here, the execution code is a code provided to the user mobile phone 170 and executed (or driven) through the wireless page, and may preferably include a script code or a program code for driving a payment program.

When the user mobile phone 170 receiving the wireless message accesses the prepaid card charging system through the callback URL, the page providing means 110 refers to the page management D / B and the user mobile phone 170 Provide a wireless page corresponding to the callback URL used when accessing the prepaid card charging system to the user mobile phone 170, and execute (or drive) the execution code included in the wireless page to the user mobile phone 170. Search whether the payment program is provided.

If the user mobile phone 170 is not provided with the payment program, the execution code provides information to identify the platform of the user mobile phone 170 to the prepaid card charging system (or the user mobile phone 170 Information provided to identify the platform of the mobile communication provider to the prepaid card charging system), and the program providing means 115 can be executed (or driven) on the platform of the user's mobile phone 170. Provide a payment program to the user mobile phone (170).

If the payment program is already provided in the user mobile phone 170 or the payment program is downloaded, the execution code executes (or drives) the payment program that has been downloaded or is already provided.

According to another embodiment of the present invention, the wireless message is capable of delivering a relatively large amount of information, such as MMS / LMS, or the mobile phone receiving the wireless message provides a data communication capable of delivering a large amount of information, such as a smartphone In this case, the payment history information may be provided directly included in the wireless message.

Alternatively, when the mobile phone is a smart phone, the payment program may be implemented in the form of a plug-in of a browser provided in the smart phone.

According to another exemplary embodiment of the present invention, the payment program may insert a code set to search and download or drive the payment program in the wireless message, search and download or drive the code, and in this case, to the mobile phone. Providing the wireless page may be omitted.

That is, in FIG. 1, the configuration for searching and downloading or driving the payment program through a wireless page including a wireless message and an execution code including a callback URL is provided for driving the payment program provided in the mobile phone through messaging. It is only an exemplary embodiment, and the search and download or driving of the payment program through the messaging is not limited to the combination of a wireless message including the callback URL and a wireless page including the execution code.

Referring to FIG. 1, the prepaid card charging system for charging a prepaid card using the RF reader / writer provided in the mobile phone corresponds to a prepaid card corresponding to the charging target prepaid card information included in the received prepaid card charge request information. Issued card issuer information (or prepaid card operator information for operating a prepaid card), charge amount information, and payment processing information dynamically configured to charge the prepaid card, including one or more payment deadlines, request numbers, and request dates. Payment history configuration means 120 for constituting payment history information including the above, Payment history transmission means 125 for transmitting the configured payment history information to the user mobile phone 170 corresponding to the user mobile phone 170 information and In the payment program provided in the user's mobile phone 170, a user payment method is selected, and the payment means information corresponding to the user payment means, the number of payments When the authentication information and the user-specific information is input and transmitted, the information receiving means 130 for receiving the payment information including payment method selection information, payment method information, payment method authentication information, user-specific information from the user mobile phone 170 And a payment processing means 135 for forming a payment approval request message including the received payment information, requesting a payment to a payment institution corresponding to the user payment means, and receiving a payment approval result text from the payment institution. And payment result providing means 140 for extracting payment approval history information from the full payment approval result and providing the user terminal 175, the user mobile phone 170, and a prepaid card issuer (or a prepaid card operator). Is done.

When the prepaid card charging request information is received from the user terminal 175, the payment history configuration means 120 corresponds to the prepaid card management D / B corresponding to the charge target prepaid card information included in the prepaid card charging request information The card issuer information that issued the stored prepaid card and payment processing information including at least one payment due date, request number, and request date and time dynamically configured in the prepaid card charging system for payment processing of the charged amount information. Configure payment history information.

When the payment program is driven through the execution code in the user's mobile phone 170, the payment program requests payment details information to the prepaid card charging system. In response, the payment details transmission means 125 transmits the payment details. The payment history information configured by the configuration means 120 is transmitted to the user mobile phone 170 corresponding to the user mobile phone 170 information. In response, the payment program receives and outputs the payment history information.

When the payment request of the user for the payment history information is confirmed, the payment program selects a payment method selection interface for selecting a user payment method, payment method information, payment method authentication information, and user specific information corresponding to the selected user payment method. Outputs a payment information input interface for inputting and processing payment information including payment means selection information, payment means information, payment means authentication information, and user-specific information, and transmits the payment information to the prepaid card charging system.

The information receiving means 130 receives the payment information transmitted from the user's mobile phone 170, the payment processing means 135 configures a payment approval request message containing the received payment information sent to the Bansa server By making a payment request to a payment institution (card company server or a financial company server) corresponding to the user payment means, and receiving the full payment approval result including payment approval details from the payment institution.

When the payment approval result full text is received from the payment institution, the payment result providing means 140 extracts payment approval history information from the payment approval result full text and prepaid card with the user terminal 175 and the user mobile phone 170. Provided to the issuer (or prepaid card operator).

Referring to FIG. 1, the prepaid card charging system for prepaid card charging using the RF reader / writer provided in the mobile phone is completed, or the payment of the prepaid card charge is completed at the request of the user terminal 175 (or In the prepaid card charging process), the prepaid card charging information for charging the charge amount requested by the user after driving the RF reader / writer provided in the user mobile phone 170 in the payment program provided in the user mobile phone 170 And a message transmitting means 105 for constructing a prepaid card charging request message including a charging command set, a charging code value, and a charging message and transmitting the message to the user mobile phone 170 corresponding to the user mobile phone information. .

In addition, the prepaid card charging system for charging the prepaid card using the RF reader / writer provided in the mobile phone is completed, the payment amount for the prepaid card charging is completed (or prepaid card charging process) at the request of the user terminal 175 During the process), the RF reader / writer provided in the user's mobile phone 170 is driven, and when the prepaid card charging is completed based on the prepaid card charging information, information for receiving prepaid card charging result information from the user's mobile phone 170. Receiving means 130 and the charging result providing means 145 for providing the received prepaid card charging result information to the user terminal 175, the user mobile phone 170 and the prepaid card issuer (or prepaid card operator). Equipped.

When the prepaid card charge request information is received from the user terminal 175 and payment for the charge request amount is completed based on the prepaid card charge request information received (or during the payment processing), the message transmission means ( 105 is a RF reader / writer driving information for driving the RF reader / writer provided in the user's mobile phone 170 in the payment program provided in the user's mobile phone 170, the user through the driven RF Reader / Writer A prepaid card charge request message including at least one prepaid card charge information for charging the requested charge amount is configured and transmitted to the user mobile phone 170 corresponding to the user mobile phone 170 information.

In this case, the prepaid card charge request message may further include prepaid card information to be charged by the user and user mobile phone 170 information to process prepaid card charge, and is charged based on the prepaid card information to be charged. It is possible to authenticate the target prepaid card to be authenticated or to authenticate the target user mobile phone 170 to process the prepaid card charging based on the user mobile phone 170 information.

If the payment program and the prepaid card charging program are separated, it is possible to further include an execution code for driving the prepaid card charging program to process the charge amount requested by the user to be charged in the prepaid card.

Here, the execution code is a code for executing (or driving) a prepaid card charging program included in the user's mobile phone 170, and preferably may include a script code or a program code for driving a prepaid card charging program. have.

When charging of the prepaid card requested by the user is completed, the charging result providing means 145 receives a processing result of the prepaid card charging processing of the charged amount requested by the user through the RF reader / writer and receives The processing result of the prepaid card charging process is provided to the user terminal 175, the user mobile phone 170 and the prepaid card issuer (or prepaid card operator).

2 is a diagram illustrating a configuration of a prepaid card charging system for prepaid card charging using an RF reader / writer included in a mobile phone according to a second embodiment of the present invention.

In more detail, FIG. 2 illustrates a prepaid card charge request information including prepaid card information to be charged and user mobile phone 170 information to be charged and a prepaid card charge amount information to be charged from the user terminal 175. When the user's mobile phone 170 is messaging, the card issuer information corresponding to the charged amount information and the prepaid prepaid card information and the payment processing information (payment period, request number) are dynamically configured for the charged amount payment processing. , The request date and time, etc.) provides and outputs the payment history information to the user's mobile phone 170, drives the payment program provided in the user's mobile phone 170, the user payment selected through the payment program Receive payment information (payment method selection information, payment method information, payment method authentication information, user-specific information, etc.) corresponding to the means After processing the payment for the charge amount information, showing a system configuration for processing the charge of the prepaid card to be charged through the user mobile phone 170 equipped with the RF Reader / Writer, which is usually in the art Those skilled in the art, various embodiments of the prepaid card charging system for prepaid card charging using the RF Reader / Writer provided in the mobile phone by referring to and / or modified in Figure 2 (eg, some components omitted) Or subdivided or combined implementation methods), but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG. In FIG. 2, detailed descriptions of the same components as those described above will be omitted for convenience.

For example, the present invention can be implemented in the form of a combination of some configurations of the first embodiment shown in Figure 1 and the second embodiment shown in Figure 2, the present invention will be described below It is clearly to be understood that it includes all forms of implementations in combination with some of the constructions of the implementation methods set forth in.

Referring to FIG. 2, the prepaid card charging system using the RF reader / writer provided in the mobile phone may receive a prepaid prepaid card information, a user mobile phone 170 information, and a charge amount information from the user terminal 175. Card issuer information (or prepaid card operator information for operating a prepaid card) for issuing a prepaid card in response to the request receiving means 200 and the prepaid card information to be charged included in the received prepaid card charging request information; Payment history constituting means 220 for configuring payment history information including at least one of the payment amount information and payment processing information that is dynamically configured to charge the prepaid card-including one or more payment due date, request number, request date and time; Construct a wireless message including a callback URL for providing a page to the user mobile phone 170 to the user mobile phone 170 corresponding to the user mobile phone 170 information. Message transmission means 205 for transmitting to the user, and when the user mobile phone 170 is connected through the callback URL, providing a page for providing a wireless page containing the execution code and payment history information to the user mobile phone 170 Means 210 and, if the payment program is not provided in the user mobile phone 170, further comprises a program providing means for providing a payment program to the user mobile phone 170 (215).

In the method shown in Figure 2, the payment history information is provided to the user mobile phone 170 via a wireless page, the payment program provided in the user mobile phone 170 selects a user payment means, And a program code structure for inputting payment means information, payment means authentication information, and user-specific information corresponding to the user payment means and transmitting the same to the prepaid card charging system.

According to another embodiment of the present invention, the wireless message is capable of delivering a relatively large amount of information, such as MMS / LMS, or the mobile phone receiving the wireless message provides a data communication capable of delivering a large amount of information, such as a smartphone In this case, the payment history information may be directly included in the wireless message and provided to the mobile phone. In this case, the wireless page may include only the execution code.

Alternatively, when the mobile phone is a smart phone, the payment program may be implemented in the form of a plug-in of a browser provided in the smart phone.

According to another exemplary embodiment of the present invention, the payment program may be inserted into a code set to search for and download or drive the payment program in the wireless message, and then download or drive the search program. Providing a wireless page may be omitted.

That is, in FIG. 2, the configuration for searching for and downloading or driving the payment program through a wireless page including a wireless message and an execution code including a callback URL is provided for driving the payment program provided in the mobile phone through messaging. It is only an exemplary embodiment, and the search and download or driving of the payment program through the messaging is not limited to the combination of a wireless message including the callback URL and a wireless page including the execution code.

Referring to FIG. 2, the prepaid card charging system using the RF reader / writer provided in the mobile phone selects a user payment method from a payment program provided in the user mobile phone 170 and corresponds to the user payment means. When the payment method information, payment method authentication information, user specific information is inputted and transmitted, receiving payment information including payment method selection information, payment method information, payment method authentication information, user specific information from the user mobile phone 170. Payment processing for forming a payment approval request full text including the information receiving means 225 and the received payment information, requesting the payment to the payment institution corresponding to the user payment means, and receiving the full payment approval result from the payment institution. The user terminal 175 and the user portable by extracting payment approval history information from the means 235 and the full payment approval result. It accomplished by having the payment result providing means (230) for providing a 170.

Referring to FIG. 2, in the prepaid card charging system using the RF reader / writer provided in the mobile phone, payment of a prepaid card for charging the prepaid card is completed at the request of the user terminal 175 (or in the middle of the prepaid card charging process). ), The prepaid card charging information-charging instruction set for charging the charge amount requested by the user after driving the RF reader / writer provided in the user mobile phone 170 in the payment program provided in the user mobile phone 170, And a message transmission means 205 for constructing a prepaid card charge request message including a charge code value and a charge message to the user mobile phone 170 corresponding to the user mobile phone 170 information.

In addition, in the prepaid card charging system using the RF reader / writer provided in the mobile phone, the payment of the charge for prepaid card charging is completed (or during the prepaid card charging process) at the request of the user terminal 175. When the RF reader / writer provided in the mobile phone 170 is driven and the prepaid card charging is completed based on the prepaid card charging information, the information receiving means 225 for receiving prepaid card charging result information from the user mobile phone 170. And a charging result providing means 240 for providing the received prepaid card charging result information to the user terminal 175, the user mobile phone 170, and a prepaid card issuer (or a prepaid card operator).

3 is a diagram illustrating the configuration of a prepaid card charging system for prepaid card charging using an RF reader / writer included in a mobile phone according to the method 3-1 of the present invention.

In more detail, FIG. 3 illustrates a case in which the user mobile phone 170 on the prepaid card charging system shown in FIG. 1 is provided with a payment program 1 having the functional configuration shown in FIG. Selects a third party payment method through the payment program 1 and selects a third party payment means and inputs and transmits the information of the payer mobile phone 350 requesting the third party payment, the user mobile phone ( 170 instead of processing the payment for the prepaid card charge request information received from the user terminal 175 through the payer mobile phone 350, and then through the user mobile phone 170 equipped with RF Reader / Writer A system configuration for processing charging of a prepaid card to be charged is illustrated, and a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the present drawing 3, and the RF provided in the mobile phone. Various implementation methods (e.g., implementation methods omitted, subdivided, or combined) of a prepaid card charging system using a reader / writer may be inferred. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 3, the prepaid card charging system using the RF reader / writer provided in the mobile phone may receive a prepaid prepaid card information, a user mobile phone 170 information, and a charge amount information from the user terminal 175. Card issuer information (or prepaid card operator information for operating a prepaid card) for issuing a prepaid card in response to the request receiving means 300 and the prepaid target card information included in the received prepaid card charge request information; Payment history constituting means 320 for configuring payment history information including one or more payment processing information that is dynamically configured to charge the amount information and prepaid card, including one or more payment due date, request number, request date and time, and wireless page Configures a wireless message including a callback URL for providing the user mobile phone 170 to the user mobile phone 170 corresponding to the user mobile phone 170 information. A message providing means 305 for transmitting and a page providing means 310 for providing a wireless page including the execution code to the user mobile phone 170 when the user mobile phone 170 is connected through the callback URL. If the payment program 1 is not provided in the user's mobile phone 170, the user's mobile phone 170 further comprises a program providing means for providing a payment program (1).

Here, the payment program 1 outputs payment history information received from the prepaid card charging system, selects a third party payment means instead of a user payment means, and requests the third party payment (a mobile phone ( 350) a program code configuration for inputting information and transmitting the information to the prepaid card charging system.

Referring to FIG. 3, the prepaid card charging system using the RF reader / writer provided in the mobile phone executes the execution code in the user mobile phone 170 to search whether the payment program 1 is provided and the payment program ( If 1) is not provided, the payment program 1 is downloaded from the server, and when the downloaded or pre-installed payment program 1 is driven, the configured payment history information corresponds to the user mobile phone 170 information. Payment history transmission means 325 for transmitting to the user's mobile phone 170, payment program selected from the payment program (1) provided in the user's mobile phone 170, the payment requesting the third party payment When the mobile phone 350 information is input and transmitted, the mobile phone 350 is provided with information receiving means 330 for receiving the information.

When the user selects a third party payment method, the payment program 1 includes a payment method selection interface for selecting a third party payment method, and information about the payer mobile phone 350 corresponding to the selected third party payment method. And outputs a third party prepaid card charging request interface for inputting user information, and inputs and processes the payer mobile phone 350 information and user information corresponding to the third party to the prepaid card charging system and receives the information. The means 330 receives the payer mobile phone 350 information.

When the payer mobile phone 350 information is received from the user mobile phone 170, the message transmitting means 305 forms a wireless message including a callback URL for providing a wireless page to the payer mobile phone 350 The payer mobile phone 350 transmits the information to the payer mobile phone 350 corresponding to the information.

Here, the wireless message transmitted to the payer mobile phone 350 may further include user identification information that allows the payer to identify (or confirm) the user requesting the payment, and the user identification information is the user. The mobile phone 170 may include one or more information, a user ID, and a user name.

When the user identification information includes the user mobile phone 170 information, the user mobile phone 170 information may use the user mobile phone 170 information received from the user terminal 175 as it is.

When the user identification information includes the user ID or the user name, the user ID or the user name may be included in the payer mobile phone 350 information transmitted from the user mobile phone 170 and received.

If the user is registered as a member in the prepaid card charging system, the user ID or the user name can be extracted from the member D / B (not shown) based on the user mobile phone 170 information, the member The D / B stores the user mobile phone 170 information by connecting the user ID and the user name.

According to another aspect of the present invention, the wireless message may include a callback number for connecting a voice call channel with an automatic answering server (not shown in FIG. 3) instead of the callback URL, in which case the payer mobile phone 350 ) Is connected to the automatic answering server and the voice call channel through the callback number, the payment means information corresponding to the payer payment means using the payment means selection voice message and payment information input voice comment provided by the automatic answer server; Payment information, including payment means authentication information and payer specific information, can be input and transmitted.

After the wireless message including the callback URL is provided to the payer mobile phone 350, the payer mobile phone 350 accesses the callback URL, and the page providing means 310 includes the execution code. The wireless page is provided to the payer mobile phone 350.

According to another aspect of the present invention, the wireless page provided to the payer mobile phone 350 displays the payment history information on the payer mobile phone 350 screen instead of the execution code, the payer mobile phone 350 A payment method selection interface for selecting a payer payment means (for example, a card payment means or an account payment means); and when a payer payment means is selected through the payment means selection interface, a payment corresponding to the selected payer payment means The page information may include a payment information input interface for inputting payment information including means information, payment means authentication information, and payer specific information.

Here, the payment means selection interface and payment information input interface may be displayed on one wireless page or through two or more different wireless pages, and the present invention is not limited thereto.

If the wireless page includes the payment method selection interface and the payment information input interface, the payer mobile phone 350 selects a payment method through the payment method selection interface and payment information input interface included in the wireless page. In addition, payment information including payment means information, payment means authentication information, and payer specific information corresponding to the selected payment means may be input and transmitted.

According to another embodiment of the present invention, when the payer payment means usable in the payer mobile phone 350 is fixed to one, the payment means selection interface may be omitted, and the present invention is not limited thereto.

A wireless page including the execution code is received by the payer mobile phone 350, and the payer mobile phone 350 executes the execution code to search whether a payment program 2 is provided and the payment program 2. Is not provided, the payment program 2 is downloaded from the server, and when the downloaded or pre-installed payment program 2 is driven, the payment history transmission means 325 sends the payment history information to the payer cellular phone. (350) Transmit to the payer mobile phone 350 corresponding to the information.

If the user identification information is not included in the wireless message provided to the payer mobile phone 350, the payment history information provided to the payer mobile phone 350 identifies the user requesting the payment (or The identification information may further include user identification information, and the user identification information may include one or more of the user mobile phone 170 information, a user ID, and a user name.

According to another exemplary embodiment of the present invention, the payer mobile phone 350 may not provide the user identification information, and the present invention is not limited thereto.

Referring to Figure 3, the prepaid card charging system using the RF reader / writer provided in the mobile phone, the payment means information, payment means authentication information, user uniqueness corresponding to the payer payment means in the payer mobile phone 350 When information is input and transmitted, information receiving means 330 for receiving payment information including payment means selection information, payment means information, payment means authentication information, user-specific information from the payer mobile phone 350, and the reception A payment processing means 335 for constructing a full payment approval request including payment information, requesting a payment to a payment institution corresponding to the payment method, and receiving a full payment approval result from the payment institution; The payment approval history information is extracted from the full text of the result, and the user terminal 175, the payer mobile phone 350, and the user mobile phone 170 and the prepaid card issuer (or prepaid card). Providing payment result to provide a card operators) is achieved by a means (340).

The payment program 2 is driven in the payer mobile phone 350, selects a payer payment method through the payment program 2, payment means information, payment means authentication information corresponding to the payer payment means When transmitting payment information including one or more user specific information, the information receiving unit 330 receives the payment information.

According to another aspect of the present invention, the payer mobile phone 350 selects a payer payment method through an interface included in the wireless page, and the payment means information, payment means authentication information, user corresponding to the payer payment means; When the payment information including one or more unique information is transmitted, the information receiving means 330 may receive the payment information.

According to another aspect of the present invention, when the payer mobile phone 350 connects an automatic answering server with a voice call channel through a callback number included in the wireless message and inputs and transmits the payment information, the information receiving means ( 330 may receive the payment information from the auto-response server.

Referring to FIG. 3, in the prepaid card charging system using the RF reader / writer provided in the mobile phone, a payment for the prepaid card charging is completed at the request of the user terminal 175 (or in the middle of the prepaid card charging process). ), The prepaid card charging information-charging instruction set for charging the charge amount requested by the user after driving the RF reader / writer provided in the user mobile phone 170 in the payment program provided in the user mobile phone 170, And a message transmission means 305 for constructing a prepaid card charge request message including a charge code value and a charge message to the user mobile phone 170 corresponding to the user mobile phone 170 information.

In addition, the prepaid card charging system using the RF reader / writer provided in the mobile phone is the payment of the charge amount for prepaid card charging is completed (or during the prepaid card charging process), at the request of the user terminal 175, When the RF reader / writer provided in the user's mobile phone 170 is driven and the prepaid card charging is completed based on the prepaid card charging information, information receiving means 330 for receiving prepaid card charging result information from the user's mobile phone 170. And a charging result providing means 345 for providing the received prepaid card charging result information to the user terminal 175, the user mobile phone 170, and a prepaid card issuer (or a prepaid card operator).

4 is a diagram showing the configuration of a prepaid card charging system for prepaid card charging using an RF reader / writer included in a mobile phone according to the fourth embodiment of the present invention.

In more detail, FIG. 4 illustrates a case in which the user mobile phone 170 on the prepaid card charging system shown in FIG. 2 is provided with a payment program 1 having the functional configuration shown in FIG. Selects a third party payment method through the payment program 1 and selects a third party payment means and inputs and transmits the information of the payer mobile phone 350 requesting the third party payment, the user mobile phone ( 170 instead of processing the payment for the prepaid card charge request information received from the user terminal 175 through the payer mobile phone 350, and then the user mobile phone 170 equipped with the RF reader / writer A system configuration for processing charging of a prepaid card to be charged through the present invention, and a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify this drawing to configure the mobile phone. Although various implementation methods (e.g., some implementations may be omitted, subdivided, or combined) for prepaid card charging system construction using non-RF reader / writer may be inferred, the present invention may infer all implementations inferred from the above. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 4, the prepaid card charging system using the RF reader / writer included in the mobile phone may receive a prepaid prepaid card information, a user mobile phone 170 information, and a charge amount information from the user terminal 175. Card issuer information (or prepaid card operator information for operating a prepaid card) for issuing a prepaid card in response to the request receiving means 400 and the prepaid target card information included in the received prepaid card charging request information; Payment history configuration means 420 for configuring payment history information including at least one payment information, including payment information, payment due date, request number, date and time-dynamically configured to charge the amount of information and prepaid card, and wireless page Configures a wireless message including a callback URL for providing the user mobile phone 170 to the user mobile phone 170 corresponding to the user mobile phone 170 information. A message providing means 405 for transmitting and a page providing means for providing a wireless page including the execution code and payment history information to the user mobile phone 170 when the user mobile phone 170 is connected through the callback URL. 410 is provided, and when the payment program is not provided in the user mobile phone 170, a program providing means 415 for providing a payment program to the user mobile phone 170 is further provided.

In the method illustrated in FIG. 4, the payment history information is provided to the user mobile phone 170 through a wireless page, and the payment program 1 provided in the user mobile phone 170 uses a third party payment means. And a program code configuration for inputting the payer mobile phone 350 information for requesting the third party payment and transmitting the information to the prepaid card charging system.

Referring to FIG. 4, the prepaid card charging system using the RF reader / writer provided in the mobile phone selects a third party payment means from the payment program 1 included in the user mobile phone 170, and the third payment method. When the information on the payer mobile phone 350 requesting the payment is inputted and transmitted, the payer mobile phone 350 is provided with information receiving means 425 for receiving the information.

When the payer mobile phone 350 information is received from the user mobile phone 170, the message transmitting means 405 constructs a wireless message including a callback URL for providing a wireless page to the payer mobile phone 350. The payer mobile phone 350 transmits the information to the payer mobile phone 350 corresponding to the information.

Here, the wireless message transmitted to the payer mobile phone 350 may further include user identification information that allows the payer to identify (or confirm) the user requesting the payment, and the user identification information is the user. The mobile phone 170 may include one or more information, a user ID, and a user name.

According to another aspect of the present invention, the wireless message may include a callback number for connecting a voice call channel with an automatic answering server (not shown in FIG. 4) instead of the callback URL, in which case the payer mobile phone 350 ) Is connected to the automatic answering server and the voice call channel through the callback number, the payment means information corresponding to the payer payment means using the payment means selection voice message and payment information input voice comment provided by the automatic answer server; Payment information, including payment means authentication information and payer specific information, can be input and transmitted.

After the wireless message including the callback URL is provided to the payer mobile phone 350, the payer mobile phone 350 accesses the callback URL. The page providing means 410 provides the execution code and payment details. A wireless page including information is provided to the payer mobile phone 350.

If the user identification information is not included in the wireless message provided to the payer mobile phone 350, the payment history information included in the wireless page and provided to the payer mobile phone 350 may be used by the payer to request the payment. The apparatus may further include user identification information for identifying (or confirming) a user, and the user identification information may include one or more of the user mobile phone 170 information, a user ID, and a user name.

According to another exemplary embodiment of the present invention, the payer mobile phone 350 may not provide the user identification information, and the present invention is not limited thereto.

According to another aspect of the present invention, the wireless page provided to the payer mobile phone 350 includes the payment history information, but instead of the execution code, the payer payment means (eg, card) in the payer mobile phone 350. A payment method selection interface for selecting a payment method or a payment method), and when a payment method is selected through the payment method selection interface, payment method information corresponding to the selected payment method, payment method authentication information, The page information may include a payment information input interface for inputting payment information including unique payment information.

Here, the payment means selection interface and payment information input interface may be displayed on one wireless page or through two or more different wireless pages, and the present invention is not limited thereto.

If the wireless page includes the payment method selection interface and the payment information input interface, the payer mobile phone 350 selects a payment method through the payment method selection interface and payment information input interface included in the wireless page. In addition, payment information including payment means information, payment means authentication information, and payer specific information corresponding to the selected payment means may be input and transmitted.

According to another embodiment of the present invention, when the payer payment means usable in the payer mobile phone 350 is fixed to one, the payment means selection interface may be omitted, and the present invention is not limited thereto.

Referring to Figure 4, the prepaid card charging system using the RF reader / writer provided in the mobile phone, the payment means information, payment means authentication information, user uniqueness corresponding to the payer payment means in the payer mobile phone 350 When information is input and transmitted, information receiving means 425 for receiving payment information including payment means selection information, payment means information, payment means authentication information, user-specific information from the payer mobile phone 350, and the reception A payment processing means (435) for constructing a payment approval request message including the received payment information, making a payment request to a payment institution corresponding to the payment method of payment, and receiving a payment approval result text from the payment institution; The payment approval history information is extracted from the result message, and the user terminal 175, the payer mobile phone 350, the user mobile phone 170, and the prepaid card issuer (or prepaid card). It is provided with a payment result providing means 430 provided to the bull card operator.

The payment program 2 is driven in the payer mobile phone 350, selects a payer payment method through the payment program 2, payment means information, payment means authentication information corresponding to the payer payment means When transmitting payment information including one or more user specific information, the information receiving means 425 receives the payment information.

According to another aspect of the present invention, the payer mobile phone 350 selects a payer payment means through an interface included in the wireless page, and the payment means information, payment means authentication information, user corresponding to the payer payment means; When the payment information including at least one unique information is transmitted, the information receiving means 425 may receive the payment information.

According to another aspect of the present invention, when the payer mobile phone 350 connects an automatic answering server with a voice call channel through a callback number included in the wireless message and inputs and transmits the payment information, the information receiving means ( 425 may receive the payment information from the auto-response server.

Referring to FIG. 4, in the prepaid card charging system using the RF reader / writer provided in the mobile phone, a payment for the prepaid card charge is completed (or prepaid card charging process) at the request of the user terminal 175. Middle), the prepaid card charging information-charging instruction set for charging the charged amount requested by the user after driving the RF reader / writer provided in the user's mobile phone 170 in the payment program provided in the user's mobile phone 170. And a message transmission means 405 for configuring a prepaid card charge request message including a charge code value and a charge message to the user mobile phone 170 corresponding to the user mobile phone 170 information.

In addition, in the prepaid card charging system using the RF reader / writer provided in the mobile phone, the payment of the charge for prepaid card charging is completed (or during the prepaid card charging process) at the request of the user terminal 175. When the RF reader / writer provided in the mobile phone 170 is driven and the prepaid card charging is completed based on the prepaid card charging information, the information receiving means 425 for receiving the prepaid card charging result information from the user mobile phone 170. And a charging result providing means 440 for providing the received prepaid card charging result information to the user terminal 175, the user mobile phone 170, and a prepaid card issuer (or a prepaid card operator).

5 is a diagram showing the configuration of a prepaid card charging system using the RF reader / writer provided in the mobile phone according to the embodiment 3-2 of the present invention.

In more detail, FIG. 5 shows a wireless message including a callback URL in the user mobile phone 170 when the payment program is not provided in the user mobile phone 170 on the prepaid card charging system shown in FIG. When forwarding to 350, the payer mobile phone 350 receives a wireless page through the callback URL on behalf of the user mobile phone 170 as shown in FIG. After outputting the payment history information through a payment program driven by the processing of the payment process, and then through the user mobile phone 170 equipped with a RF reader / writer to process the charging of the prepaid card to be charged As illustrated, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 5 to convert the RF reader / writer provided in the mobile phone. While various implementation methods (e.g., some components may be omitted, subdivided, or combined) of the prepaid card charging system configuration used may be inferred, the present invention includes all implementation methods inferred above. However, the technical features are not limited only to the implementation method illustrated in FIG. 5.

Referring to FIG. 5, the prepaid card charging system using the RF reader / writer included in the mobile phone may receive a payment target prepaid card information, a user mobile phone 170 information, and a charge amount information from the user terminal 175. Card issuer information (or prepaid card operator information for operating a prepaid card) for issuing a prepaid card in response to the request receiving means 500 and the prepaid target card information included in the received prepaid card charge request information; Payment history configuration means 520 for configuring payment history information including one or more of the payment processing information that is dynamically configured to charge the amount information and prepaid card, including the payment due date, request number, request date and time, and the wireless page; Configures a wireless message including a callback URL for providing the user mobile phone 170 to the user mobile phone 170 corresponding to the user mobile phone 170 information. It comprises a message transmission means 505 for transmitting to.

According to one embodiment of the invention, the message transmission means 505 is capable of transferring the wireless message from the user mobile phone 170 to any payer mobile phone 350 specified by the user, the payer mobile phone In 350, the wireless page is configured to receive the wireless page through the callback URL included in the wireless message and transmitted to the user mobile phone 170.

The callback URL is not compatible with each other's wireless message standards or wireless Internet standards (for example, WAP, sHTML, cHTML, etc.), and browser standards provided by mobile operators and manufacturers are not compatible. Including a wireless message transmitted to the user mobile phone 170 may be blocked so as not to be transferred to another mobile phone, even if the mobile phone received the wireless message, even if the mobile phone received the wireless page to provide the wireless page Cannot access the callback URL from the mobile phone that has received the wireless message, and cannot receive the wireless page corresponding to the callback URL. Even if you are provided with the There is no guarantee that the executable code is executed. Accordingly, the message transmitting means 505 may deliver the wireless message from the user mobile phone 170 that receives the wireless message to any payer mobile phone 350 designated by the user, and receives the wireless message. After a message structure is configured to access a callback URL from a payer mobile phone 350 and receive a wireless page including an executable code executable from the payer mobile phone 350, the message corresponds to the user mobile phone 170 information. The user mobile phone 170 may transmit the received wireless message to any payer mobile phone 350 designated by the user.

According to another exemplary embodiment of the present invention, upon requesting the user mobile phone 170 to transmit a wireless message including the callback URL to an arbitrary payer mobile phone 350 designated by the user, the wireless message structure is transmitted to the payer mobile phone ( A function of changing to be provided with a wireless page including executable code executable in the payer mobile phone 350 by accessing the callback URL from the payer mobile phone 350 receiving the wireless message and transmitting the wireless message; If the configuration is provided, or if the message standard for each carrier and mobile phone and the wireless Internet standard and the browser standard are compatible, the message transmitting means 505 transmits the wireless message including the callback URL to the user mobile phone 170. The user mobile phone 170 corresponding to the information may be transmitted, and the user mobile phone 170 may receive the received wireless information. Change the structure of the message, or as the user can pass in any payer phone 350 specified.

Here, the wireless message change function provided in the user mobile phone 170 may be implemented through a payment program provided in the user mobile phone 170 or may be provided through a separate program configuration provided in the user mobile phone 170. have.

According to another exemplary embodiment of the present invention, the message transmitting means 505 is provided to provide the user mobile phone 170 with a wireless page including an interface for inputting information of the payer mobile phone 350 designated by the user. A wireless message including a callback URL may be transmitted to the user mobile phone 170. In this case, the user mobile phone 170 inputs the payer mobile phone 350 information through a wireless page provided through the callback URL. In response, the message transmitting means 505 may construct a wireless message including a callback URL that can be accessed from the payer mobile phone 350 and transmit the wireless message to the payer mobile phone 350.

Referring to FIG. 5, the prepaid card charging system using the RF reader / writer provided in the mobile phone includes any payer mobile phone 350 designated by a user for a wireless message including the callback URL in the user mobile phone 170. Directly or by forwarding the relay by entering the information on the payer mobile phone (350), and the accessor via the callback URL from the payer mobile phone 350, executable code executable in the payer mobile phone 350 It comprises a page providing means 510 for constructing a wireless page to include to provide to the payer mobile phone 350, if the payer mobile phone 350 is not provided with a payment program, the payer mobile phone 350 It further comprises a program providing means for providing a payment program (515).

When the wireless message including the callback URL is transmitted to the user mobile phone 170, the page providing means 510 regards the mobile phone connected through the callback URL as the payer mobile phone 350 and the payer mobile phone ( 350, a wireless page including executable code executable in the payer mobile phone 350 is configured to be provided.

According to another aspect of the present invention, the wireless page provided to the payer mobile phone 350 displays the payment history information on the payer mobile phone 350 screen instead of the execution code, the payer mobile phone 350 A payment method selection interface for selecting a payer payment means (for example, a card payment means or an account payment means); and when a payer payment means is selected through the payment means selection interface, a payment corresponding to the selected payer payment means The page information may include a payment information input interface for inputting payment information including means information, payment means authentication information, and payer specific information.

Referring to FIG. 5, the prepaid card charging system using the RF reader / writer provided in the mobile phone executes the execution code in the payer mobile phone 350 to search whether a payment program is provided and does not have a payment program. If not, the payment program is downloaded from the server, and when the downloaded or pre-installed payment program is driven, payment for transmitting the configured payment history information to the payer mobile phone 350 corresponding to the payer mobile phone 350 information It comprises a history transmission means (525).

Referring to Figure 5, the prepaid card charging system using the RF reader / writer provided in the mobile phone, the payment means information, payment means authentication information, user uniqueness corresponding to the payer payment means in the payer mobile phone 350 When the information is input and transmitted, information receiving means 530 for receiving payment information including payment means selection information, payment means information, payment means authentication information, user-specific information from the payer mobile phone 350, and the reception A payment processing means (535) for constructing a payment approval request message including the received payment information and requesting payment to a payment institution corresponding to the payer payment method, and receiving the full payment approval result from the payment institution, and the payment approval The payment approval history information is extracted from the full text of the result, and the user terminal 175, the user mobile phone 170, the payer mobile phone 350 and the prepaid card issuer (or prepaid card). Payment result to provide a card operators) is achieved by having a providing means (540).

Referring to FIG. 5, in the prepaid card charging system using the RF reader / writer provided in the mobile phone, the payment for the prepaid card charging is completed (or in the middle of the prepaid card charging process) at the request of the user terminal 175. ), The prepaid card charging information-charging instruction set for charging the charge amount requested by the user after driving the RF reader / writer provided in the user mobile phone 170 in the payment program provided in the user mobile phone 170, And a message transmission means 505 for constructing a prepaid card charge request message including a charge code value and a charge message to the user mobile phone 170 corresponding to the user mobile phone 170 information.

In addition, in the prepaid card charging system using the RF reader / writer provided in the mobile phone, the payment of the charge for prepaid card charging is completed (or during the prepaid card charging process) at the request of the user terminal 175. When the RF reader / writer provided in the mobile phone 170 is driven and the prepaid card charging is completed based on the prepaid card charging information, the information receiving means 530 for receiving the prepaid card charging result information from the user mobile phone 170. And a charging result providing means 545 for providing the received prepaid card charging result information to the user terminal 175, the user mobile phone 170, and a prepaid card issuer (or a prepaid card operator).

FIG. 6 is a diagram illustrating a configuration of a prepaid card charging system using an RF reader / writer included in a mobile phone according to the fourth embodiment of the present invention.

In more detail, FIG. 6 shows a wireless message including a callback URL in the user mobile phone 170 when a payment program is not provided in the user mobile phone 170 on the prepaid card charging system shown in FIG. In step 350, the payer mobile phone 350 transmits a wireless page including the prepaid card charging request information through the callback URL in place of the user mobile phone 170 as shown in FIG. After receiving and processing the payment for the prepaid card charge request information through a payment program driven by the wireless page, the charge of the prepaid card to be charged through the user's mobile phone 170 equipped with an RF reader / writer As a system configuration of the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify the present invention with reference to FIG. Various implementation methods (for example, some components may be omitted, subdivided, or combined) for the prepaid card charging system configuration using the RF reader / writer included in the mobile phone may be inferred. It is made to include all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 6, the prepaid card charging system using the RF reader / writer included in the mobile phone may receive a payment prepaid card information, a user mobile phone 170 information, and a charge amount information from the user terminal 175. Card issuer information (or prepaid card operator information for operating a prepaid card) that issues a prepaid card in response to the request receiving means 600 and the prepaid prepaid card information included in the received prepaid card charge request information; Payment history constituting means 620 for configuring payment history information including one or more of payment processing information dynamically included for the amount information and prepaid card recharge-including one or more payment due date, request number, request date and time; Configures a wireless message including a callback URL for providing the user mobile phone 170 to the user mobile phone 170 corresponding to the user mobile phone 170 information. It comprises a message transmission means 605 for transmitting to.

The message transmitting means 605 is capable of transferring the wireless message from the user mobile phone 170 to any payer mobile phone 350 designated by the user, and included in the wireless message from the payer mobile phone 350. The mobile page may be configured to receive the wireless page through the received callback URL, and may be transmitted to the user mobile phone 170. The user mobile phone 170 may transmit the received wireless message to a user of any payer mobile phone 350. Can be delivered as:

If the user mobile phone 170 is provided with a function configuration for changing the wireless message structure as described above, or if a wireless page is provided after a callback USL connection of the payer mobile phone 350 through the wireless message delivery, The message transmitting means 605 may transmit a wireless message including the callback URL to the user mobile phone 170 corresponding to the user mobile phone 170 information, and the user mobile phone 170 may receive the received wireless message. The structure of the message may be changed, or may be transferred to any payer mobile phone 350 designated by the user.

Alternatively, when the message transmission means 605 transmits a wireless message including a callback URL corresponding to a wireless page for inputting payer mobile phone 350 information to the user mobile phone 170, the user mobile phone 170 Access through the callback URL to input the payer mobile phone 350 information, in response to the message transmission means 605 may configure and transmit a wireless message including the callback URL to the payer mobile phone 350. .

Referring to FIG. 6, the prepaid card charging system using the RF reader / writer provided in the mobile phone includes any payer mobile phone 350 designated by a user for a wireless message including the callback URL in the user mobile phone 170. If the transfer to the payer mobile phone 350 through the callback URL, the payer mobile phone 350 by configuring a wireless page containing the executable code and payment history information executable in the payer mobile phone 350 Program providing means 615 for providing a payment program to the payer mobile phone 350 when the payment program is not provided in the payer mobile phone 350. It is further provided.

When the wireless message including the callback URL is transmitted to the user mobile phone 170, the page providing means 610 regards the mobile phone connected through the callback URL as the payer mobile phone 350 and the payer mobile phone ( 350 is set to configure and provide a wireless page containing the executable code and payment history information executable in the payer mobile phone (350).

If the user identification information is not included in the wireless message provided to the payer mobile phone 350, the payment history information included in the wireless page and provided to the payer mobile phone 350 may request that the payer request the payment. The apparatus may further include user identification information for identifying (or verifying) a user, and the user identification information may include one or more of the user mobile phone 170 information, a user ID, and a user name.

Referring to Figure 6, the prepaid card charging system using the RF Reader / Writer provided in the mobile phone, the payment means information, payment means authentication information, user uniqueness corresponding to the payer payment means in the payer mobile phone 350 When the information is input and transmitted, information receiving means 625 for receiving payment information including payment means selection information, payment means information, payment means authentication information, user-specific information from the payer mobile phone 350, and the reception A payment processing means 635 for constructing a payment approval request message including the received payment information, requesting a payment to a payment institution corresponding to the payment method of payment, and receiving a payment approval result text from the payment institution; By extracting the payment approval history information from the result message, the user terminal 175, the user mobile phone 170, the payer mobile phone 350 and the prepaid card issuer (or prepaid card) It is provided with a payment result providing means 630 provided to a bull card operator.

Referring to FIG. 6, in the prepaid card charging system using the RF reader / writer provided in the mobile phone, a payment for the prepaid card charge is completed (or in the middle of the prepaid card charging process) at the request of the user terminal 175. ), The prepaid card charging information-charging instruction set for charging the charge amount requested by the user after driving the RF reader / writer provided in the user mobile phone 170 in the payment program provided in the user mobile phone 170, And a message transmission means 605 for constructing a prepaid card charge request message including a charge code value and a charge message to the user mobile phone 170 corresponding to the user mobile phone 170 information.

In addition, in the prepaid card charging system using the RF reader / writer provided in the mobile phone, the payment of the charge for prepaid card charging is completed (or during the prepaid card charging process) at the request of the user terminal 175. When the RF reader / writer provided in the mobile phone 170 is driven and the prepaid card charging is completed based on the prepaid card charging information, the information receiving means 625 for receiving the prepaid card charging result information from the user mobile phone 170. And a charging result providing means 640 for providing the received prepaid card charging result information to the user terminal 175, the user mobile phone 170, and a prepaid card issuer (or a prepaid card operator).

7 is a diagram showing the configuration of a prepaid card charging system for prepaid card charging using the RF reader / writer provided in the mobile phone according to the embodiment 3-3 of the present invention.

In more detail, in FIG. 7, when the payment history information is configured based on the prepaid card charging request information received from the user terminal 175 in the prepaid card charging system illustrated in FIG. 1, payment identification unique to the payment history information may be identified. A code is provided to the user's mobile phone 170, and when the payment identification code is received from a predetermined mobile phone, the mobile phone that transmits the payment identification code is regarded as a payer mobile phone 350. After outputting the payment history information through the payment program provided in the) and processing the payment corresponding to the payment history, the charge of the prepaid card to be charged through the user mobile phone 170 equipped with the RF Reader / Writer As a system configuration of the present invention, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods (e.g., some components may be omitted, subdivided, or combined) for configuring a prepaid card charging system for prepaid card charging using an RF reader / writer included in a mobile phone may be inferred. The present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 7, the prepaid card charging system for charging a prepaid card using the RF reader / writer provided in the mobile phone includes the prepaid card information, the user's mobile phone 170 information, and the charge amount of the prepaid card to be charged from the user terminal 175. Payment request receiving means for receiving information 700 and card issuer information (or prepaid card operating a prepaid card) that issued a prepaid card corresponding to the prepaid card information to be included in the prepaid card charge request information received. Operator information), payment amount information and payment history configuration means for configuring payment history information including one or more payment processing information that is dynamically configured to charge the prepaid card (including one or more payment due date, request number, request date and time) (735) ), Identification code assignment means for assigning a payment identification code unique to the payment history information 705, and the assigned payment identification code to the user mobile phone 170 It is provided with an identification code providing means 710 to provide.

When the payment history information is configured by the payment history configuration means 735 based on the prepaid card charging request information received by the payment request receiving means 700, the identification code assignment means 705 is configured as the payment history information. Assign a unique identification code that does not duplicate any other payment.

Here, the payment identification code may include a code value including one or more numbers, letters, and symbols that are not duplicated for each payment history.

Alternatively, the user mobile phone 170 information is used as the payment identification code, or the user's designated payer mobile phone 350 information (for example, can be received by being included in the prepaid card charging request information from the user terminal 175). Can be used as an identification code.

Alternatively, a virtual phone number uniquely assigned for payment processing of the payment history information may be used as the payment identification code. In this case, a mobile phone that attempts to connect a voice call to the virtual phone number is the payer mobile phone 350. After the call is terminated, a wireless message including a callback URL may be provided to the payer mobile phone 350.

When the payment identification code is assigned to the payment history information, the identification code providing means 710 provides the assigned payment identification code to the user mobile phone 170.

According to one embodiment of the invention, the identification code providing means 710 may provide the payment identification code to the user mobile phone 170 via a wireless message.

Here, the payment identification code may be included in the message content of the wireless message and provided to the user mobile phone 170.

If the payment identification code includes a virtual phone number, the payment identification code is included as a callback number of the wireless message may be provided to the user mobile phone 170, the wireless message is the payer mobile phone 350 ) Can be delivered. If the payer mobile phone 350 attempts to connect to the virtual phone number, a wireless message including a callback URL may be provided to the payer mobile phone 350 after the call connection ends.

According to another exemplary embodiment of the present invention, the identification code providing means 710 may provide the payment identification code to the user mobile phone 170 through a voicement after a call connection with the user mobile phone 170.

Referring to FIG. 7, the prepaid card charging system for prepaid card charging using the RF reader / writer provided in the mobile phone provides a payment identification code provided to the user mobile phone 170 in a predetermined mobile phone. Billing mobile phone confirmation means 715 for confirming (or approving) the mobile phone provided with the code to the payer mobile phone 350 and a wireless message including a callback URL for providing a wireless page to the payer mobile phone 350. Comprising the message transmission means 720 for transmitting to the payer mobile phone 350 is made.

Referring to FIG. 7, the prepaid card charging system for prepaid card charging using the RF reader / writer provided in the mobile phone is connected to the payer mobile phone (350) through the callback URL. And a page providing means 725 for constructing a wireless page including executable code executable at 350 and providing the payer mobile phone 350 to the payer mobile phone 350, and the payer mobile phone 350 is not equipped with a payment program. It further comprises a program providing means for providing a payment program to the payer mobile phone 350 (730).

When the wireless message including the callback URL is transmitted to the user mobile phone 170, the page providing means 725 regards the mobile phone connected through the callback URL as the payer mobile phone 350 and the payer mobile phone ( 350, a wireless page including executable code executable in the payer mobile phone 350 is configured to be provided.

According to another aspect of the present invention, the wireless page provided to the payer mobile phone 350 displays the payment history information on the payer mobile phone 350 screen instead of the execution code, the payer mobile phone 350 A payment method selection interface for selecting a payer payment means (for example, a card payment means or an account payment means); and when a payer payment means is selected through the payment means selection interface, a payment corresponding to the selected payer payment means The page information may include a payment information input interface for inputting payment information including means information, payment means authentication information, and payer specific information.

Referring to FIG. 7, the prepaid card charging system for prepaid card charging using the RF reader / writer provided in the mobile phone executes the execution code in the payer mobile phone 350 to search whether a payment program is provided. If a payment program is not provided, a payment program is downloaded from the server, and when the downloaded or pre-installed payment program is driven, the payer mobile phone 350 corresponding to the information on the payer mobile phone 350 is configured. It is provided with a payment history transmission means 740 for transmitting to.

Referring to FIG. 7, the prepaid card charging system for prepaid card charging using the RF reader / writer provided in the mobile phone includes payment means information and payment means corresponding to the payer payment means in the payer mobile phone 350. Information receiving means for receiving payment information including payment method selection information, payment method information, payment method authentication information, user-specific information from the payer mobile phone 350 when the authentication information, user-specific information is input and transmitted; And a payment processing means for configuring a payment approval request message including the received payment information to a payment institution corresponding to the payer payment means, and receiving the full payment approval result from the payment institution. And extracting payment approval history information from the full text of the payment approval result to the user terminal 175, the user mobile phone 170, the payer mobile phone 350 and the line. It accomplished by having the payment result providing means (755) for providing the card issuer (or pre-paid card operators).

Referring to FIG. 7, the prepaid card charging system for prepaid card charging using the RF reader / writer provided in the mobile phone is completed, or the payment of the prepaid card charge is completed at the request of the user terminal 175 (or In the prepaid card charging process), the prepaid card charging information for charging the charge amount requested by the user after driving the RF reader / writer provided in the user mobile phone 170 in the payment program provided in the user mobile phone 170 And a message transmitting means 720 for constructing a prepaid card charging request message including a charging command set, a charging code value, and a charging message and transmitting the same to the user mobile phone 170 corresponding to the user mobile phone information. .

In addition, the prepaid card charging system for charging the prepaid card using the RF reader / writer provided in the mobile phone is completed, the payment amount for the prepaid card charging is completed (or prepaid card charging process) at the request of the user terminal 175 During the process), the RF reader / writer provided in the user's mobile phone 170 is driven, and when the prepaid card charging is completed based on the prepaid card charging information, information for receiving prepaid card charging result information from the user's mobile phone 170. Receiving means 745 and charging result providing means 760 for providing the received prepaid card charging result information to the user terminal 175, the user mobile phone 170, and a prepaid card issuer (or a prepaid card operator); Equipped.

8 is a diagram showing the configuration of a prepaid card charging system for prepaid card charging using an RF reader / writer included in a mobile phone according to the fourth embodiment of the present invention.

In more detail, FIG. 8 is based on the prepaid card charging request information received from the user terminal 175 in the prepaid card charging system for prepaid card charging using the RF reader / writer included in the mobile phone shown in FIG. When the detail information is configured, a payment identification code unique to the payment history information is provided to the user mobile phone 170, and when the payment identification code is received from a predetermined mobile phone, the mobile phone transmitting the payment identification code It is regarded as the payer mobile phone 350 and provides a wireless page including payment history information corresponding to the payment identification code to the payer mobile phone 350 and then through the payment program provided in the payer mobile phone 350. After processing the payment corresponding to the payment history information, the prepaid card to be charged through the user mobile phone 170 equipped with the RF Reader / Writer As a system configuration for processing the former, a person having ordinary knowledge in the technical field to which the present invention belongs, refer to and / or modify this figure 8 to charge the prepaid card using the RF Reader / Writer provided in the mobile phone Various implementation methods (e.g., some components may be omitted, subdivided, or combined) for prepaid card charging system construction may be inferred, but the present invention includes all implementation methods inferred above. The technical features are not limited only to the implementation method illustrated in FIG. 8.

Referring to FIG. 8, the prepaid card charging system for charging a prepaid card using the RF reader / writer included in the mobile phone includes charging target prepaid card information, user mobile phone 170 information, and charge amount from the user terminal 175. Payment request receiving means 800 for receiving information and card issuer information (or prepaid card operating a prepaid card) that issued a prepaid card in response to the prepaid card information to be charged included in the received prepaid card charge request information. Operator information), payment amount information and payment history configuration means for constituting payment history information including one or more payment processing information that is dynamically configured to charge the prepaid card, including one or more of the payment due date, request number, and request date and time (835). ), Identification code assignment means for assigning a payment identification code unique to the payment history information 805, and the assigned payment identification code to the user mobile phone 170 It is provided with an identification code providing means 810 to provide.

Referring to FIG. 8, the prepaid card charging system for prepaid card charging using the RF reader / writer provided in the mobile phone provides a payment identification code provided to the user mobile phone 170 by a predetermined mobile phone. Billing mobile phone confirmation means 815 for confirming (or approving) the mobile phone providing the code to the payer mobile phone 350 and a wireless message including a callback URL for providing a wireless page to the payer mobile phone 350. Comprising a message transmission means 820 for transmitting to the payer mobile phone 350 is made.

Referring to FIG. 8, the prepaid card charging system for prepaid card charging using the RF reader / writer provided in the mobile phone is connected to the payer mobile phone 350 through the callback URL. A page providing means 825 for constructing a wireless page including executable code executable and payment details information and providing the payer mobile phone 350 to the payer mobile phone 350, and the payer mobile phone 350 is provided with a payment program. If not, it is provided with a program providing means 830 for providing a payment program to the payer mobile phone (350).

When the wireless message including the callback URL is transmitted to the user mobile phone 170, the page providing means 825 regards the mobile phone connected through the callback URL as the payer mobile phone 350 and the payer mobile phone ( 350 is set to configure and provide a wireless page containing the executable code and payment history information executable in the payer mobile phone (350).

If the user identification information is not included in the wireless message provided to the payer mobile phone 350, the payment history information included in the wireless page and provided to the payer mobile phone 350 may be used by the payer to request the payment. The apparatus may further include user identification information for identifying (or confirming) a user, and the user identification information may include one or more of the user mobile phone 170 information, a user ID, and a user name.

Referring to FIG. 8, the prepaid card charging system for prepaid card charging using the RF reader / writer provided in the mobile phone includes payment means information and payment means corresponding to the payer payment means in the payer mobile phone 350. Information receiving means for receiving payment information including payment method selection information, payment method information, payment method authentication information, user-specific information from the payer mobile phone 350 when the authentication information, user-specific information is input and transmitted; And a payment processing means 850 for forming a payment approval request message including the received payment information, requesting a payment to a payment institution corresponding to the payment means, and receiving a full payment approval result from the payment institution. And extracting payment approval history information from the full text of the payment approval result to the user terminal 175, the payer mobile phone 350, the user mobile phone 170 and the line. It accomplished by having the payment result providing means (845) provided to the card issuer (or pre-paid card operators).

Referring to FIG. 8, in the prepaid card charging system using the RF reader / writer included in the mobile phone, a payment for the prepaid card charge is completed (or in the middle of the prepaid card charging process) at the request of the user terminal 175. ), The prepaid card charging information-charging instruction set for charging the charge amount requested by the user after driving the RF reader / writer provided in the user mobile phone 170 in the payment program provided in the user mobile phone 170, And a message transmission means 820 for constructing a prepaid card charge request message including a charge code value and a charge message, and transmitting the prepaid card charge request message to the user mobile phone 170 corresponding to the user mobile phone 170 information.

In addition, in the prepaid card charging system using the RF reader / writer provided in the mobile phone, the payment of the charge for prepaid card charging is completed (or during the prepaid card charging process) at the request of the user terminal 175. When the RF reader / writer provided in the mobile phone 170 is driven and the prepaid card charging is completed based on the prepaid card charging information, the information receiving means 840 for receiving the prepaid card charging result information from the user mobile phone 170. And a charging result providing means 855 for providing the received prepaid card charging result information to the user terminal 175, the user mobile phone 170, and a prepaid card issuer (or a prepaid card operator).

In addition, in the prepaid card charging system using the RF reader / writer provided in the mobile phone, the payment of the charge for prepaid card charging is completed (or during the prepaid card charging process) at the request of the user terminal 175. When the RF reader / writer provided in the mobile phone 170 is driven and the prepaid card charging is completed based on the prepaid card charging information, the information receiving means 840 for receiving the prepaid card charging result information from the user mobile phone 170. And a charging result providing means 855 for providing the received prepaid card charging result information to the user terminal 175, the user mobile phone 170, and a prepaid card issuer (or a prepaid card operator).

9 is a diagram showing a payment program configuration according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates a payment program configuration provided in the user mobile phone illustrated in FIG. 1 or 2 or 5 or 6, a payment program configuration provided in the user mobile phone illustrated in FIG. 3 to 8 illustrate a configuration of a payment program provided in a payer mobile phone, wherein the user mobile phone or the payer mobile phone is wirelessly connected to the messaging-based wireless payment system shown in FIGS. 1 to 8 through a mobile communication network. Wireless communication means 980 for connecting the communication, and a screen output means 965 for outputting the various interface screen for the messaging-based wireless payment, having a one-time password generation program for each payment means according to the intention of those skilled in the art The recording medium 970 may be further provided.

According to another aspect of the present invention, in the wireless payment system of some of the embodiments shown in Figures 1 to 8, the user mobile phone or the payer mobile phone may not have a payment program shown in Figure 9, in this case The user's mobile phone or payer's mobile phone may provide wireless payment using a wireless page method or a voice call based automatic answering method.

According to the present invention, the payment program is downloaded to the user mobile phone or payer mobile phone by the execution code provided in the wireless page provided to the user mobile phone or payer mobile phone and recorded in the recording medium 970, the execution It is executed (or driven) by the code and loaded into the execution memory area on the mobile phone platform.

Referring to FIG. 9, the payment program loaded onto the mobile phone platform includes a communication channel connection unit 900 for connecting the prepaid card charging system and the wireless communication channel shown in FIGS. 1 to 8 through the wireless communication means 980. And payment details including at least one card issuer information corresponding to the charged amount information and the prepaid card information to be charged from the prepaid card charging system and the payment processing information dynamically configured for the charged amount payment processing through the communication channel. And a payment history output unit 905 for receiving information and a payment history output unit 910 for outputting the received payment history information through the screen output means 965 according to a preset format. When the detail information is received and output through the wireless page as shown in FIG. 2 or FIG. 4, the payment history receiver 905 and payment history output. The force unit 910 can be omitted.

The screen for outputting the payment history information includes an interface for checking a user's payment request for the payment history information, and one or more interface screens for processing the wireless payment are sequentially output by the user's payment request confirmation. do.

Referring to FIG. 9, when a payment corresponding to the payment details is processed through a user payment means as shown in FIG. 1, 2, 5, or 6, the payment program may request the payment of the user. A payment method selection interface for selecting a user payment method-a card payment method or an account payment means by confirmation, and payment information including payment method information, payment method authentication information, and user-specific information corresponding to the user payment method; And an interface output unit 915 for outputting a payment information input interface, wherein the payment means selection interface selects a third party payment means as shown in FIG. The interface may further include.

The payment means selection interface includes an interface for selecting any one of the user's credit card payment means, check card payment means, virtual account payment means, bank transfer payment means, the payment information input interface is selected It includes an interface for inputting payment means information, payment means authentication information, user specific information corresponding to the user payment means.

The payment means information may include card information corresponding to the user payment means, card information including at least one of a CVC and an expiration date, or may include account information including at least one account number and a bank code.

The payment means authentication information includes a payment means password (for example, card password, account password) corresponding to each user payment means, according to the intention of the skilled person transaction transaction (for example, account transfer password) or one-time password (One Time Password) ; OTP). Here, the payment means password and transaction password is a password stored by the user, while the one-time password is dynamically generated through a one-time password generation program for each user payment means provided in the recording medium 970.

The user-specific information is unique information for identifying and authenticating the user, and includes the resident registration number (or seven digits after the resident registration number) of the user, and can uniquely identify the user as the resident registration number according to the intention of a person skilled in the art. Any unique information that may be used may be used.

Referring to FIG. 9, when a payment corresponding to the payment details is processed through a payment means of a user designated by the user as shown in FIG. 3 or 8, the payment program provided in the user's mobile phone may include: A payment method selection interface for selecting a third party payment method according to a user's payment request confirmation, and a third party payment request interface for inputting a payer mobile phone information and user information corresponding to the selected third party payment method; The payment program is provided with an interface output unit 915, and the payment program provided in the payer mobile phone selects a payment means payment method-a card payment means or an account payment means-by checking the payment request of the payer. And, the payment means information corresponding to the payment means payment means, payment means authentication information, including the unique information of the payer Is provided with an interface output unit 915 for outputting a payment information input interface for inputting payment information, and according to the intention of a person skilled in the art, the payment method selection interface includes an interface for selecting a user / payer payment method and a third party. It may include all of the interface for selecting a payment method.

The payment means selection interface output through the payment program provided in the user's mobile phone includes an interface for selecting a third party payment means for requesting a third party designated by the user to process payment for the payment details. The third party payment request interface includes an interface for inputting a payer mobile phone information corresponding to the third party designated by the user and user information for informing the payer who the user requests for the payment. When using mobile phone information as the user information, the interface for inputting the user information in the third party payment request interface may be omitted.

The payment method selection interface and payment information input interface outputted through the payment program provided in the payer mobile phone are set only by the owner of the payment method as the payer, and the payment method selection interface output through the payment program provided in the user mobile phone. And payment information input interface is the same.

Referring to FIG. 9, a user payment means or a payer payment means is selected by the payment means selection interface, and payment means information and payment means authentication information corresponding to the user payment means or the payer payment means in the payment information input interface. When the user specific information is input, the payment program may include payment means selection information corresponding to the user payment means or the payment means and payment information including the payment means information, payment means authentication information, and user unique information. And an information transmitter 945 for transmitting the configured payment information to the wireless payment system through the wireless communication means 980.

According to the embodiment of the present invention, the payment information includes a data structure recognizable by the wireless payment system, and may be encrypted according to an encryption method defined between the payment program and the wireless payment system.

Referring to FIG. 9, when a third party payment means is selected by the payment means selection interface and a payer mobile phone information and user information (optional) are input through the third party payment request interface, the payment program The wireless communication means 980 includes an information configuration unit 940 constituting third party payment request information including the payer mobile phone information and user information, and the configured third party payment request information through the wireless communication means 980. And an information transmitter 945 for transmitting to the payment system.

According to an embodiment of the present invention, when the payment means authentication information includes a one-time password corresponding to the payment means selected through the payment means selection interface, the one-time password generation program for each payment means is the mobile phone at each payment means issuer. If the one-time password is used as the payment means authentication information, after the payment information input interface is output through the payment program, the one-time password generation program for each payment means should be switched to the one-time password generation screen. The payment program may include a component that interworks with a one-time password generation program for each payment method to solve the inconvenience of screen switching.

Referring to FIG. 9, when the payment means authentication information includes a disposable password for each payment means, the payment program generates a one-time password generation program for each payment means selected through the payment means selection interface on the recording medium 970. It is provided with an OTP confirmation unit 925 to check whether the payment means, if the one-time password generation program for each payment means is confirmed, the interface output unit 915 is disposable for each payment means on the output payment information input interface Interface (1) for inputting a password for generating a one-time password through a password generation program, an interface (2) requesting to generate a one-time password through the one-time password generation program for each payment means, and one-time password for each payment means Disposable costs generated through the program Outputs include the interface (3) to automatically enter a number.

According to another embodiment of the present invention, the interface output unit 915 is an interface (1) for inputting a password for generating a one-time password through the one-time password generation program for each payment means on the output payment information input interface; And an interface (2) requesting to generate a one-time password through the one-time password generation program for each payment means, and a one-time password generated through the one-time password generation program for each payment means, and inputting the displayed one-time password. The interface 4 can be included and output.

According to another exemplary embodiment of the present invention, the interface output unit 915 includes an interface 4 for inputting a disposable password to the output payment information input interface and outputs it to a predetermined area on a mobile phone screen. The one-time password generation interface of the one-time password generation program for each means may be processed to be divided and output to different areas on the screen of the mobile phone. At this time, the payment information input interface and the one-time password generation interface is output by dividing the mobile phone screen in the form of a window, the one-time password for each payment means is generated and displayed through the one-time password generation interface, the one-time password generation interface The one-time password shown in may be keyed through the interface 4 included in the payment information input interface.

Referring to FIG. 9, when a one-time password generation for each payment method is requested through the interface 2, the payment information input interface including the interface 1, the interface 2, and the interface 3 is requested. The payment program may include an OTP driver 930 for executing a one-time password generation program driving command for each payment means for driving a one-time password generation program corresponding to the payment means, and a password input through the interface 1. When the one-time password is generated through the OTP processing unit 935 and the one-time password generation program for each payment means is transferred to the one-time disposable password generation program and the payment means is generated, the interface is obtained by obtaining the generated one-time password. OTP input unit 920 for automatic input processing The.

When the OTP driver 930 is requested to generate a one-time password for each payment method through a payment information input interface, the payment means through a one-time password generation program driving command for each payment means for driving the one-time password generation program corresponding to the payment means. A one-time password generation program is executed in the form of a background program (for example, a program executed without a screen output).

If the one-time password generation program for each payment means does not include a background program configuration, the OTP driver 930 does not interrupt the authority for the screen output means 965 by the one-time password generation program for each payment means. Can be controlled.

When the one-time password generation program for each payment means is executed, the OTP processing unit 935 transfers the password input through the interface 1 to the one-time password generation program for each payment means, and the password delivery method is the mobile phone platform. The password may be pasted after virtually assigning a caret to the password input interface of the one-time password generation program for each payment method executed in the form of a background program or using the supporting inter-process communication.

When a one-time password is generated through the one-time password generation program for each payment means, the OTP input unit 920 obtains the generated one-time password through the inter-process communication supported by the mobile phone platform and automatically inputs it to the interface 3. Alternatively, the caret may be virtually allocated to the one-time password display control of the one-time password generation program for each payment means executed in the form of a background program, and then copied and pasted into the interface 3.

Referring to FIG. 9, the payment program loaded into the mobile phone platform includes a charging request receiver for receiving prepaid card charging information—a charging command set, a charging code value, and one or more charging messages—from a server on a communication network. And, based on the received prepaid card charging information to control the RF Reader / Writer (975) connected to the mobile phone equipped with the payment program, to process the user-owned prepaid card or third-party prepaid card charging, An RF reader / writer driver 950 for applying power to an RF reader / writer 975 provided or connected to a mobile phone and processing a driving program included in the RF reader / writer 975 to be driven based on the applied power. And a user-owned prepaid card or third party accessible through the RF reader / writer 975 by controlling the RF reader / writer 975 driven through the RF reader / writer driver 950. RF Reader / Writer control unit 955 which controls charging of owned prepaid card or reading prepaid card balance information from a user owned prepaid card or a third party owned prepaid card adjacent to RF Reader / Writer 975 And a control command for retrieving balance information available on a user-owned prepaid card or a third party-owned prepaid card according to the user's request through the RF reader / writer 975. Transmit to a prepaid card owned by one's own, receive prepaid card balance information from the RF reader / writer 975, or process the user's own prepaid card or a third party's own prepaid card to charge the amount of money requested by the user And a control unit 960 for transmitting a control command to the prepaid card through the RF reader / writer 975 and receiving a prepaid card charging result.

In addition, the payment program loaded into the mobile phone platform, transmits the prepaid card charging result information for the user-owned prepaid card or third-party prepaid card accessible through the RF Reader / Writer (975) to the server on the communication network The charging result transmitting unit 970 is further provided.

Prepaid card charging information for the payment processing for the user-owned or third-party prepaid card charge amount is completed, and the payment processing of the user-owned or third-party prepaid card payment process is completed from the server on the network When transmitting, the charging request receiving unit 965 receives the prepaid card charging information.

Here, the prepaid card charging information is a charging instruction set for charging the user-owned or third-party prepaid card prepaid card through the RF Reader / Writer (975) connected to the mobile phone equipped with the payment program, and the charge code value And one or more charging messages.

When the prepaid card charging information is received from a server on a communication network, the RF reader / writer driver 950 controls the RF reader / writer 975 connected to the mobile phone equipped with the payment program based on the received prepaid card charging information. In order to process user-owned prepaid card or third party-owned prepaid card charging, power is supplied to the RF reader / writer 975 provided or connected to the mobile phone and based on the authorized power, the RF reader / writer 975 Process to drive the drive program provided in the

According to an exemplary embodiment of the present invention, the driving of the RF reader / writer 975 may include supplying power to the RF reader / writer 975 or a signal line (eg, an address line or a data line) connected to the RF reader / writer 975. And RST (Reset) signal or / RST through one or more, etc., so that the RF Reader / Writer 975 is initialized.

Alternatively, the driving of the RF reader / writer 975 downloads the whole (or part) of the program source code (or a program image) for driving the RF reader / writer 975, so that the RF reader / writer 975 is downloaded. Process to be driven.

If the initialization is not completed, the screen output means 965 outputs RF reader / writer status information for notifying that the function of the RF reader / writer 975 does not operate properly.

In this case, whether the function of the RF reader / writer 975 does not work properly may be determined by applying power to the RF reader / writer 975 to receive the first received information (or data) or an RST (or / RST) signal. The information (or data) received by transmission is read to check whether the RF reader / writer 975 is initialized.

Thereafter, after the completion of the initialization of the RF reader / writer 975 is confirmed, when the prepaid card charging information is received from a server on a communication network corresponding to the prepaid card charging system shown in FIGS. 1 to 8, the RF reader / writer is received. The Writer control unit 955 controls the RF reader / writer 975 based on the received prepaid card charging information, so that payment is made to a user-owned prepaid card or a third party owned prepaid card accessible from the RF reader / writer 975. The amount of money corresponding to the completed amount of charge is processed.

If there is no adjacent prepaid card, the prepaid card charge request message is transmitted through a mobile phone connected to the RF reader / writer 975 to charge the prepaid card.

In addition, when the prepaid card balance inquiry is requested through the driven RF reader / writer 975, the prepaid card charge amount inquiry command (or code value) is transmitted to the prepaid card through the RF reader / writer 975, and thus Receive corresponding prepaid card balance information.

Here, when the prepaid card information to be charged is further included in the received prepaid card charging information, the prepaid card information is read from the user-owned prepaid card or a third party owned prepaid card, and the read prepaid card information and the Comparing the pre-paid card information included in the prepaid card charging information with each other, it may be further included to check whether there is a match, if the match is prepaid card charging is processed, if it does not match prepaid card charging It is possible to prevent this from being processed.

When the charging process for the user-owned prepaid card or the third party-owned prepaid card is completed, the charging result transmitter 970 may prepaid card charge result information for the user-owned prepaid card or a third-party prepaid card. To the server on the network.

Referring to FIG. 9, the payment program loaded onto the mobile phone platform includes a payment processing unit that performs payment processing for the prepaid card charge amount in association with a server on a communication network.

According to an embodiment of the present invention, the payment processing for the prepaid card charge amount in association with a server on the communication network, requests payment by transmitting payment information input through the output one or more user interfaces to the server on the communication network. do.

10 is a process of transmitting a payment program by driving a payment program to a user mobile phone 170 for charging a prepaid card using an RF reader / writer provided in a mobile phone according to the first or third embodiment of the present invention. Figure is a diagram.

Referring to FIG. 10, when the prepaid card charge request information including the charge target prepaid card information, the user mobile phone 170 information, and the charge amount information is received from the user terminal 175 (1000), the drawing 1 or 3 The server corresponding to the prepaid card charging system shown in FIG. 3 may provide card issuer information (or prepaid card operator information for operating a prepaid card), charge amount information, and payment processing information dynamically configured to charge the prepaid card. Configure payment history information including one or more (1005), and transmits a wireless message including a callback URL to the user mobile phone 170 corresponding to the user mobile phone 170 information (1010), the user mobile phone 170 Accesses the wireless page using the callback URL (1015).

When the user mobile phone 170 accesses the wireless page, the server searches for the payment program to the user mobile phone 170, downloads the file if it is not found, and executes the code for executing the downloaded or provided payment program. In operation 1025, a mobile page including a wireless page is included, and the user mobile phone 170 searches for a payment program included in the user mobile phone 170 through an execution code included in the wireless page.

If the payment program is not found (1030), the user mobile phone 170 downloads the payment program corresponding to the mobile phone platform (1035), if the payment program is searched (1030), or downloaded (1035), The payment program is connected to the communication channel with the server (1040), and in response, the server transmits the configured payment information to the user mobile phone 170 through the communication channel (1045).

11 illustrates a process of transmitting a payment program by driving a payment program to a user mobile phone 170 to charge a prepaid card using an RF reader / writer provided in the mobile phone according to the second or fourth embodiment of the present invention. Figure is shown.

Referring to FIG. 11, when the prepaid card charge request information including the charge target prepaid card information, the user mobile phone 170 information, and the charge amount information is received from the user terminal 175 (1100), the FIG. The server corresponding to the illustrated prepaid card charging system includes a card issuer information (or prepaid card operator information for operating a prepaid card) that issues a prepaid card, a recharge amount information, and payment processing information dynamically configured for prepaid card charging. Configure the payment history information including the above (1105), and transmits a wireless message including a callback URL to the user mobile phone 170 corresponding to the user mobile phone 170 information (1110), the user mobile phone 170 The wireless page is accessed using the callback URL (1115).

When the user mobile phone 170 accesses the wireless page, the server searches for a payment program to the user mobile phone 170, and if it is not retrieved, the execution code for executing the downloaded or provided payment program and Providing a wireless page including the configured payment history information (1120), the user's mobile phone 170 outputs the payment history information through the wireless page, and corresponding to the user's payment request for the payment history Check (1125).

If the payment request is confirmed by the user (1130), the user mobile phone 170 searches for a payment program provided in the user mobile phone 170 through the execution code included in the wireless page (1135).

If the payment program is not searched (1140), the user mobile phone 170 downloads the payment program corresponding to the mobile phone platform (1145), if the payment program is searched (1140) or downloaded (1145), The payment program is driven (1150).

12 is a method for outputting payment details, selecting a payment method, and inputting payment information corresponding to a payment method in a payment program provided in a mobile phone of interest according to the first to fourth embodiments of the present invention; A diagram illustrating the process.

Referring to FIG. 12, the payment program included in the user mobile phone 170 receives and outputs payment details information from a server corresponding to the prepaid card charging system provided in FIGS. 1 to 4 through a communication channel (1200). ), And checks the user's payment request for the output payment history information (1205).

If the user's payment request for the payment history information is confirmed (1210), the payment program outputs a payment method selection interface to determine whether the user payment method is selected (1215).

If a user payment method is selected through the payment method selection interface (1220), the payment program outputs a payment information input interface corresponding to the selected payment method (1225), and the user payment through the payment information input interface. Check whether the payment means information, payment means authentication information, user specific information corresponding to the means is input (1230), if the payment means information, payment means authentication information, user specific information is input (1235), the selected user payment After configuring payment means selection information corresponding to the means, and payment information including the payment means information, payment means authentication information, user-specific information (1240), and transmits the payment information through the communication channel (1245).

According to another aspect of the present invention, the user mobile phone 170 inputs payment information by outputting a payment method selection interface or payment information input interface through a wireless page without using the payment program, or through an automatic response server. It is possible to input payment information based on a payment method selection voice comment or payment information input voice comment.

FIG. 13 illustrates a third party payment means selected from a payment program provided in the user's mobile phone 170 according to the embodiment 3-1 or 4-1 of the present invention, and transmits the information of the payer mobile phone 350 and the user information. A diagram illustrating a process of doing so.

In detail, FIG. 13 illustrates a payment corresponding to the third party when a third party payment method is selected in the payment method selection interface of the payment program included in the user mobile phone 170 through the process illustrated in FIG. 12. For the payment request to the payer cell phone 350 and the user information for the process of inputting and transmitting.

Referring to FIG. 13, if a user payment method is not selected in the payment method selection interface output to the user mobile phone 170 through the process illustrated in FIG. 12, the payment program checks whether a third party payment method is selected. (1300).

If a third party payment method is selected through the payment method selection interface (1305), the payment program outputs a third party payment request interface, and the information regarding the payer mobile phone 350 for the third party payment request; In operation 1310, it is checked whether user information (= user requesting prepaid card charging) is input.

If the payer mobile phone 350 information and the user information are input through the third party payment request interface (1315), the payment program transmits the payer mobile phone 350 information and the user information through the communication channel. (1320).

14 is a diagram illustrating a process of delivering a wireless message including a callback URL to a payer mobile phone 350 according to the method 3-2 or 4-2 of the present invention.

Referring to FIG. 14, when the prepaid card charge request information including the charge target prepaid card information, the user mobile phone 170 information, and the charge amount information is received from the user terminal 175 (1400), the FIG. The server corresponding to the illustrated prepaid card charging system includes a card issuer information (or prepaid card operator information for operating a prepaid card) that issues a prepaid card, a recharge amount information, and payment processing information dynamically configured for prepaid card charging. Comprising the payment history information including the above (1405), including the callback URL, configure the wireless message that can be transferred from the user mobile phone 170 to the payer mobile phone 350 (1410), the configured wireless message The user's mobile phone 170 is transmitted (1415).

The user mobile phone 170 directly transfers the received wireless message to the payer mobile phone 350 or provides the payer mobile phone 350 information to the server to the payer mobile phone 350 from the server. Process for relay transmission of the wireless message (1420).

FIG. 15 is a diagram illustrating a process of transmitting a wireless message including a callback URL to a payer mobile phone 350 according to the third or fourth embodiment of the present invention.

Referring to FIG. 15, when the prepaid card charge request information including the charge prepaid card information, the user mobile phone 170 information, and the charge amount information is received from the user terminal 175 (1500), FIG. 7 or FIG. The server corresponding to the illustrated prepaid card charging system includes a card issuer information (or prepaid card operator information for operating a prepaid card) that issues a prepaid card, a recharge amount information, and payment processing information dynamically configured for prepaid card charging. The payment history information including the above is configured (1505), and a unique payment identification code is assigned to the payment history information (1510).

If the payment identification code is assigned to the payment history information (1510), the server provides the payment identification code to the user mobile phone (170) (1515), the user mobile phone 170 is the user with the payment identification code Provided to the specified payer mobile phone 350 (1520).

The payer mobile phone 350 provides the payment identification code provided from the user mobile phone 170 to the server (1525), and the server confirms the mobile phone that transmitted the payment identification code to the payer mobile phone 350. (Or approval) (1530), and transmits a wireless message including the callback URL to the confirmed (or approved) payer mobile phone (350) (1530).

FIG. 16 is a diagram illustrating a process of transmitting a payment history by driving a payment program to a payer mobile phone 350 through wireless messaging according to the embodiment 3-1, 2, 3 of the present invention.

In more detail, FIG. 16 illustrates a method of driving a payment program to a payer mobile phone 350 corresponding to the payer mobile phone 350 information through wireless messaging in the prepaid card charging system shown in FIG. 3 or 5 or 7. And a process of transmitting payment details to the driven payment program.

Referring to FIG. 16, the server corresponding to the prepaid card charging system illustrated in FIG. 3, 5, or 7 includes a callback URL to the payer mobile phone 350 corresponding to the payer mobile phone 350 information. The wireless message is transmitted (1600), and the payer mobile phone 350 accesses the wireless page using the callback URL (1605).

According to another aspect of the present invention, the server may transmit to the payer mobile phone 350 further includes user identification information in the wireless message.

When the payer mobile phone 350 accesses the wireless page, the server searches for the payment program to the payer mobile phone 350, downloads the file if it is not found, and executes the downloaded or provided payment program. A wireless page including a code is provided (1610), and in response thereto, the payer mobile phone 350 searches for a payment program included in the payer mobile phone 350 through the execution code included in the wireless page (1615). ).

According to another aspect of the present invention, the server may be transmitted to the payer mobile phone 350 by further including the use identification information in the wireless page.

If the payment program is not found (1620), the payer mobile phone 350 downloads the payment program corresponding to the mobile phone platform (1625), if the payment program is searched (1620), or downloaded (1625) In operation 1630, the payment program connects the communication channel with the server by transmitting the payment program, and the server transmits the payment details information to the payer mobile phone 350 through the communication channel.

According to another aspect of the present invention, the server may further include user identification information in the payment history information.

FIG. 17 is a diagram illustrating a process of transmitting a payment history by driving a payment program to a payer mobile phone 350 through wireless messaging according to embodiments 4-1, 2, and 3 of the present invention.

In more detail, FIG. 17 transmits payment details to the payer mobile phone 350 corresponding to the payer mobile phone 350 information through wireless messaging in the prepaid card charging system shown in FIG. 4 or 6 or 7. Shows the process of driving the payment program after the output.

Referring to FIG. 17, the server corresponding to the prepaid card charging system illustrated in FIG. 4 or 6 or 7 includes a callback URL to the payer mobile phone 350 corresponding to the payer mobile phone 350 information. The wireless message is transmitted (1700), and the payer mobile phone 350 accesses the wireless page using the callback URL (1705).

According to another aspect of the present invention, the server may transmit to the payer mobile phone 350 further includes user identification information in the wireless message.

When the payer mobile phone 350 accesses the wireless page, the server searches for the payment program to the payer mobile phone 350, downloads the file if it is not found, and executes the downloaded or provided payment program. A wireless page including a code and payment history information is provided (1710), and in response thereto, the payer mobile phone 350 outputs the payment history information through the wireless page, and a payment requester for the payment history. Check (1715).

According to another aspect of the present invention, the server may further transmit to the payer mobile phone 350 by including user identification information in the wireless page.

If the payment request is confirmed by the payer (1720), the payer mobile phone 350 searches for a payment program provided in the payer mobile phone 350 through the execution code included in the wireless page (1725). ).

If the payment program is not found (1730), the payer mobile phone 350 downloads the payment program corresponding to the mobile phone platform (1735), if the payment program is searched (1730) or downloaded (1735) In operation 1740, the payment program is driven.

FIG. 18 outputs payment details, selects a payment method, and inputs payment information corresponding to a payment method in a payment program provided in the payer mobile phone 350 according to the third or fourth embodiment of the present invention. A diagram illustrating a process of doing so.

Referring to FIG. 18, when the payment history information is transmitted from the server corresponding to the prepaid card charging system shown in FIG. 3 or 5 or 7 to the payer mobile phone 350 through the process illustrated in FIG. 16, The payment program provided in the payer mobile phone 350 receives and outputs payment details information from the server through a communication channel (1800), and checks the payment requester for the output payment details (1805). .

If the payment request of the payer for the payment history information is confirmed (1810), or if the payment program is driven after outputting the payment history through the process shown in FIG. 17, the payment program outputs a payment method selection interface to pay In step 1815, the payment means is selected.

If a payer payment method is selected through the payment method selection interface (1820), the payment program outputs a payment information input interface corresponding to the selected payment method (1825), and the payment is made through the payment information input interface. Check whether the payment means information, payment means authentication information, the unique payment information is input to the payment means (1830), and if the payment means information, payment means authentication information, unique information unique to the payer (1835), After the payment means selection information corresponding to the selected payer payment means, and the payment information including the payment means information, payment means authentication information, unique payment information (1840) is configured, the payment information through the communication channel Transmit (1845).

According to another aspect of the present invention, the payer mobile phone 350 inputs payment information by outputting a payment method selection interface or a payment information input interface through a wireless page without using the payment program, or using an automatic response server. It is possible to input the payment information based on the payment method selection voice comment or payment information input voice comment through.

19 is a diagram illustrating a payment processing process according to the first to fourth embodiments of the present invention.

If payment information is received from the payment program provided in the user mobile phone 170 or the payer mobile phone 350 through the process illustrated in FIG. 12 or 18 (1900), the server approves the payment including the payment information. Compose a request full text (1905), and transmit the configured payment approval request full text to a payment institution corresponding to the payment means, and confirm that the payment approval result text including the payment approval details corresponding to the full payment approval request text is received. (1910).

If the payment approval result message is received (1915), the server extracts payment approval history information from the payment approval result message and transmits it to the user terminal 175 and the user mobile phone 170 or the payer mobile phone 350. (1920).

20 is a diagram illustrating a process of generating a one-time password through a one-time password generation program for each payment method according to an embodiment of the present invention and including it in payment means authentication information.

If a user payment means or a payer payment means is selected through the payment method selection interface in the process illustrated in FIG. 12 or 18, the payment program corresponds to a one-time password generation program for each payment method selected by the payment method selection interface. Check whether the mobile phone is provided (2000).

If it is confirmed that the mobile phone is provided with a one-time password generation program for each payment means (2005), the payment program is a one-time use of the one-time password generation program for each payment method on the payment information input interface that is output after the payment method is selected. Generating a password, including the one-time password associated interface using the generated one-time password as the payment means authentication information (2010), through the payment information input interface to generate a one-time password after entering the password for the one-time password generation Check if requested (2015).

If the one-time password generation is requested (2020), the payment program executes a one-time password generation program for each payment means through a predetermined one-time one-time password generation program driving command (2025), one-time for each payment means When the password generation program is executed (2030), the one-time password generation program for each executed payment method is delivered to the password for generating the one-time password, and the one-time password generation program for each payment means processes to generate a one-time password (2035). ).

If a one-time password is generated through the one-time password generation program for each payment means (2040), the payment program generates a one-time password generated through the one-time password generation program for each payment means on the one-time password input interface on the payment information input interface. Automatic input processing (2045).

According to another aspect of the present invention, it is possible to manually input through the interface 4 included in the payment information input interface without automatically entering the disposable password.

21 is a view showing a process of charging a prepaid card after the payment processing for the prepaid card charge amount according to the first to fourth embodiments of the present invention.

When the payment processing is completed through the process shown in FIG. 19, the server corresponding to the prepaid card charging system checks the payment approval history information included in the full payment approval result to confirm whether the payment processing is completed and the payment is successful. (2100).

Here, although the prepaid card charging is started after the payment processing is completed through the process shown in FIG. 19, the prepaid card charging is started during the payment processing, and when the prepaid card charging is completed, the payment processing for the charge request is completed. It is possible to deal with it.

In addition, the user mobile phone 170 may be a third party mobile phone, it is possible to charge the prepaid card to be charged by the user through the third party mobile phone.

If it is determined that the payment is successful (2105), the server prepaid includes at least one RF reader / writer driving information and prepaid card charging information for charging the user's requested charge amount through the driven RF reader / writer. Compose a card charge request message and transmit it to the user's mobile phone 170 (2110), and the payment program provided in the user's mobile phone 170 that receives the prepaid card charge request message corresponding thereto receives the prepaid card charge request message. In step 2115, the RF reader / writer is driven.

In this case, the prepaid card charge request message may further include prepaid card information to be charged by the user and user mobile phone 170 information to process prepaid card charge, and is charged based on the prepaid card information to be charged. It is possible to authenticate the target prepaid card or to authenticate the target user mobile phone 170 to process the prepaid card charging based on the user mobile phone 170 information.

If the payment program and the prepaid card charging program are separated, it is possible to further include an execution code for driving the prepaid card charging program to process the charge amount requested by the user to be charged in the prepaid card.

In addition, when the received prepaid card charge request message includes the user mobile phone 170 information, the received mobile phone 170 information and the mobile phone information for the user mobile phone 170 provided with the payment program are mutually mutually received. By comparison, it is possible to check whether a match is found, and if it is found to be matched, to drive an RF reader / writer or to handle prepaid card charging.

In addition, when the received prepaid card charging request message further includes prepaid card information, the received prepaid card information from the charging target prepaid card read through the received prepaid card information and the RF reader / writer provided in the user mobile phone 170 It is possible to process the prepaid card charging by checking the mutual matching of the prepaid card information.

If the RF reader / writer provided in the user mobile phone 170 is driven based on the prepaid card charging request message (2120), the payment program provided in the user mobile phone 170 is based on the prepaid card charging request message. The charging target prepaid card is charged through the RF reader / writer (2125), and upon completion of the charging process, the prepaid card charging result is transmitted to the server (or the user terminal 175 or the payer mobile phone 350) (2130). .

1 is a view showing a configuration of a prepaid card charging system for prepaid card charging using an RF reader / writer provided in a mobile phone according to a first embodiment of the present invention.

2 is a diagram showing the configuration of a prepaid card charging system for prepaid card charging using an RF reader / writer provided in a mobile phone according to a second embodiment of the present invention.

3 is a diagram illustrating a configuration of a prepaid card charging system for prepaid card charging using an RF reader / writer included in a mobile phone according to the embodiment 3-1 of the present invention.

4 is a diagram illustrating a configuration of a prepaid card charging system for prepaid card charging using an RF reader / writer included in a mobile phone according to the fourth embodiment of the present invention.

FIG. 5 is a diagram illustrating a configuration of a prepaid card charging system using an RF reader / writer included in a cellular phone according to a method 3-2 of the present invention.

FIG. 6 is a diagram illustrating a configuration of a prepaid card charging system using an RF reader / writer included in a mobile phone according to the fourth embodiment of the present invention.

FIG. 7 is a diagram illustrating a configuration of a prepaid card charging system for prepaid card charging using an RF reader / writer included in a mobile phone according to the third method of the present invention.

8 is a diagram showing the configuration of a prepaid card charging system for prepaid card charging using the RF reader / writer provided in the mobile phone according to the embodiment 4-3 of the present invention.

9 is a diagram illustrating a payment program configuration according to an embodiment of the present invention.

FIG. 10 illustrates a process of transmitting a payment history by driving a payment program to a user mobile phone to charge a prepaid card using an RF reader / writer included in the mobile phone according to the first or third embodiment of the present invention. Drawing.

FIG. 11 is a diagram illustrating a process of transmitting a payment program by driving a payment program to a user mobile phone to charge a prepaid card using an RF reader / writer included in the mobile phone according to the second or fourth embodiment of the present invention. to be.

12 is a method for outputting payment details, selecting a payment method, and inputting payment information corresponding to a payment method in a payment program provided in a mobile phone of interest according to the first to fourth embodiments of the present invention; A diagram illustrating the process.

FIG. 13 is a diagram illustrating a process of transmitting a payer mobile phone information and user information by selecting a third party payment means in a payment program provided in a user mobile phone according to the method 3-1 or 4-1 of the present invention. to be.

14 is a diagram illustrating a process of delivering a wireless message including a callback URL to a payer mobile phone according to the method 3-2 or 4-2 of the present invention.

FIG. 15 is a diagram illustrating a process of transmitting a wireless message including a callback URL to a payer mobile phone according to the third or fourth embodiment of the present invention.

FIG. 16 is a diagram illustrating a process of transmitting a payment history by driving a payment program to a payer mobile phone through wireless messaging according to the method 3-1, 2, 3 of the present invention.

FIG. 17 is a diagram illustrating a process of transmitting a payment history by driving a payment program to a payer mobile phone through wireless messaging according to the fourth embodiment of the present invention.

18 illustrates a process of outputting payment details, selecting a payment method, and inputting payment information corresponding to the payment method in a payment program provided in the payer mobile phone according to the third or fourth exemplary embodiment of the present invention. Figure is shown.

19 is a diagram illustrating a payment processing process according to the first to fourth embodiments of the present invention.

20 is a view showing a process of generating a one-time password through the one-time password generation program for each payment method according to the embodiment of the present invention to include in the payment means authentication information.

21 is a view showing a process of charging a prepaid card after the payment processing for the prepaid card charge amount according to the first to fourth embodiments of the present invention.

Claims (7)

In mobile phones, A receiving unit for receiving prepaid card charging information-information including at least one charging command set, a charging code value, and a charging message-from a server on a communication network; An RF reader / writer that charges a charge amount on a user-owned or third party-owned prepaid card by using the received prepaid card charge information; And And a control unit for controlling the RF reader / writer. The method of claim 1, wherein the control unit, When the prepaid card information to be charged is included in the prepaid card charge information, When the prepaid card information is read from the user-owned or third party-owned prepaid card through the RF reader / writer, the charged prepaid card information included in the prepaid card information is compared with the read prepaid card information. A mobile phone characterized by authenticating the validity of a prepaid card to be charged. The method of claim 1, And a payment processing unit that performs payment processing for the prepaid card charge amount in association with a server on a communication network. Upon completion of the payment processing for a user-owned or third-party prepaid card charge, the user's mobile phone receives prepaid card charge information from the server on the communication network, including information including a charge command set, a charge code value, and one or more charge messages. Receiving; Driving an RF reader / writer in the mobile phone; And And charging the charge amount on the user-owned or third party-owned prepaid card through the driven RF reader / writer using the received prepaid card charge information in the program provided in the mobile phone. Prepaid card charging method using RF reader / writer provided in the mobile phone. The method of claim 4, wherein When the prepaid card information to be charged is included in the prepaid card charge information, Reading prepaid card information from the user-owned or third party-owned prepaid card through the RF reader / writer in a program provided in the mobile phone; And comparing the read prepaid card information with the charge prepaid card information included in the prepaid card charge information in the program provided in the mobile phone, and authenticating the validity of the prepaid card to be charged. Prepaid card charging method using the RF reader / writer provided in the mobile phone. The method of claim 4, wherein And performing a payment process for the prepaid card charge amount through a server on a communication network in the mobile phone. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 4 to 6.

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