KR20140099575A - Comprehensive card payment methods of assured payment system using mobile phones - Google Patents

Abstract

The present invention relates to a comprehensive card payment method used in a secure payment system using mobile phones. The secure payment system using mobile phones according to an embodiment of the present invention, which uses mobile phones, includes a buyer′s mobile phone; an issuer/ bank server; and a seller′s payment reception terminal. The payment in the secure payment system is made through an NFC chip in a buyer′s mobile phone or a recorded QR code.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a mobile payment system,

The present invention can be applied to a payment receiver (hereinafter referred to as " seller ") such as a TV home shopping, a shopping mall, a restaurant, (Hereinafter collectively referred to as " card "), and the seller is allowed to immediately check settlement with a mobile phone, a computer, a PDA As for the improved patent of the secure payment system using mobile phone mobile,

More particularly, the present invention relates to a system and method for connecting to a secure payment system applicable to the present invention at a ward office, a ward office or a tax office (hereinafter collectively referred to as a "government office"), A payment access medium in which a code is recorded and a local communication chip (NFC) and a quail code are integrally formed is issued for each household, each individual or each corporation, and is transmitted to a local communication chip of a payment access medium It is necessary to access to the safe payment system applied to the present invention automatically through the wireless Internet communication network of the mobile phone and to pay it to the government office to receive not only various taxes and dues but also various kinds of information such as TV home shopping, shopping mall, restaurant, The payment list to be paid is displayed, and the buyer selects the list by the selected card And more particularly, to a comprehensive card settlement method of a secure payment system using a mobile phone that enables a comprehensive mobile card settlement including various taxes and duties.

In general, the addition of various taxes and duties, such as local taxes, property taxes, and penalties, imposed on individuals and corporations in public offices such as city offices, eavesdropping offices or lower offices such as ward offices, county offices or tax offices, However, the addition of various taxes and dues in this way would require a large number of personnel, which would not only be a cause of labor costs, but also cause the budget shortfall of local governments There is a problem that the user may not be aware of the type of tax and utility charges, the amount of payment, and the deadline of payment due to his /

In the secure payment system using the mobile phone mobile of Patent No. 1078173 filed by the present applicant, the mobile phone mobile card settlement can be immediately performed at the place where the seller is located, such as a restaurant. However, It is necessary to go through the steps 1 and 2 to further inconvenience the user, and in particular, in the case of purchasing the trauma, it is troublesome to visit the seller directly to make a payment as a card.

In order to solve the above problems, the present invention addresses a problem that access codes that can be connected to the secure payment system applied to the present invention, such as the issuer and the code number for each household, individual, and corporation, are recorded in a local government office, A settlement access medium in which a communication chip (NFC) and a quail code are integrated is issued for each household, individual or corporation, and is brought close to a local communication chip of a payment access medium issued from a government office by a mobile phone owned by a purchaser, When photographing a code, the user is automatically connected to a secure payment system applied to the present invention through a wireless Internet communication network of a mobile phone and paid to a government office. In addition to various taxes and dues, a payment list to be settled in TV home shopping, shopping malls, restaurants, , And the buyer can select the list displayed, Comprehensive will have to make a mobile card payment can be carried out, including the utilities.

As described above, according to the present invention, in the government office, it is possible to reduce the waste of the budget of the local government by eliminating the preparation of the payment sheet and the mailing process for the addition of various taxes and bills to be imposed on individuals and corporations, The user can accurately recognize the type of the utility bill, the payment amount, and the due date of the payment so that the disadvantage caused by the payment can be solved. In addition, the user can pay various tax and utility expenses, It is a technical task that a payment can be comprehensively carried out at shopping malls, restaurants, and delivery shops.

The present invention relates to a merchant payment terminal for checking a payment status in real time by requesting a credit card of a buyer's mobile phone, A secure payment system using a mobile phone mobile provided with a secure settlement system for relaying information necessary for settlement between the buyer's mobile phone, the seller's payment reception terminal, the credit card company, and the financial company server, and providing a screen necessary for settlement, A method for controlling a secure payment system using a mobile phone mobile, the method comprising the steps of bringing the mobile terminal into proximity to a local communication chip, Star, individual, and corporation access codes A first step of issuing a settlement access medium in which a local area communication chip and a lock code are printed, and after the first step, all taxation information of the tax and utility charges corresponding to the applicant of the settlement access medium is transmitted to the secure settlement system A second step of transferring billing information from the seller to the buyer through the safe payment system; and a third step of bringing the buyer's cellular phone and the short-range communication chip close to each other after performing the second step, A fourth step of reading the information recorded in the local area communication chip and the radio code after the third step and automatically connecting to the secure payment system; A fifth step of extracting payment information of tax and utility bills and payment information of the goods purchased from the merchant and transmitting the information to the mobile phone of the buyer, And a sixth step of selecting an object to be paid out after performing the fifth step and storing it in a shopping cart and performing a payment process.

In the present invention, a connection code capable of accessing a secure payment system applied to the present invention, such as a issuer and a code number for each household, individual, and corporation, is recorded in a government office of a local government, When a connection medium is issued for each household or each individual or each corporation and the mobile terminal is brought close to a communication chip of a payment access medium issued from a government office with a cellular phone owned by the purchaser or is photographed by a cellular phone, The settlement list to be paid to the TV home shopping, the shopping mall, the restaurant, the delivery shop, etc., as well as various taxes and utility charges, must be connected to the safe payment system applied to the present invention. Comprehensive mobile card payment including various taxes and duties by It will have to be issued.

As described above, according to the present invention, in the government office, it is possible to reduce the waste of the budget of the local government by eliminating the preparation of the payment sheet and the mailing process for the addition of various taxes and bills to be imposed on individuals and corporations, The user can accurately recognize the type of the utility bill, the payment amount, and the due date of the payment so that the disadvantage caused by the payment can be solved. In addition, the user can pay various tax and utility expenses, Shopping malls, restaurants, delivery shops, and the like can be performed comprehensively.

1 is a conceptual diagram of a secure payment system using a mobile phone mobile applied to the present invention.
2 is a process configuration diagram of a secure payment system in a secure settlement system using a mobile phone mobile applied to the present invention.
3 is a system diagram of a comprehensive card settlement method of a secure payment system using a mobile phone mobile according to the present invention.
4 is a schematic diagram of a payment access medium issued by a government office in a comprehensive card payment method of a secure payment system using a mobile phone mobile in accordance with the present invention.
5A is an exemplary view illustrating a state in which a mobile communication terminal and a payment access medium issued by a government office are in close communication with each other in a secure payment system using a mobile phone mobile applied to the present invention.
FIG. 5B is a photographing state of a magic code printed on a payment access medium issued by a government office in a secure payment system using a mobile phone mobile applied to the present invention. FIG.
6 is a flowchart of a system for a comprehensive card payment method of a secure payment system using a mobile phone mobile according to the present invention.

Hereinafter, a secure payment method using a mobile phone mobile according to the present invention will be described in detail with reference to FIGS. 3 to 6.

The safe payment system using the mobile phone mobile of the present invention applied to the present invention and registered in advance by the present applicant in patent No. 1078173 (registered on October 24, 2011) is a system in which a buyer (payer) (Purchase history, amount) displayed by storing information of a cash card (card), accessing a safe payment system by a buyer's own mobile phone and inputting information of a seller (a person to be paid) The secure payment system communicates with a credit card company and a financial company server to transmit the approval result requested by the purchaser to the mobile phone of the buyer and transmits the mobile phone mobile to the seller through a payment receiving terminal such as a mobile phone, And a card payment method using the system.

In this way, Patent No. 1078173 previously registered by the applicant of the present invention does not provide the seller's card information to the seller, the seller's information is recognized by the purchaser, and the payment is transmitted to the secure settlement system. Alternatively, The information provider for payment can be switched from the previous purchaser (card) to the seller, so that the exposing of the card information of the purchaser can be fundamentally blocked. Moreover, since the seller does not need to install a separate payment terminal, It is also available to most sellers and buyers, allowing them to spread the use of mobile phone cards quickly.

FIG. 1 is a conceptual diagram of a secure settlement method using a mobile phone mobile applied to the present invention, in which information of a credit card and a cash card is stored in the secure settlement system 10 by a mobile phone owned by the purchaser himself, A buyer's mobile phone 20 that performs settlement as card information stored in the secure payment system 10,

A payment receiving terminal such as a mobile phone, a computer, or a PDA performs a merchant registration in a secure payment system 10 and sends a settlement approval request to the buyer's mobile phone 20 via a secure settlement system 10, (40)

A credit card company and a financial company server 30 for authorizing payment to the seller who owns the seller payment receiving terminal 40 when the payment approval is requested through the secure payment system 10 by the buyer's mobile phone 20,

It is possible to relay all the information necessary for payment between the buyer's mobile phone 20 and the seller's payment receiving terminal 40 and between the card company and the financial company server 30, And a secure payment system 10 for encrypting and storing mutual payment information.

FIG. 2 is a block diagram of a secure payment system 10 according to the present invention. The information management process 11, the customer management process 12, the payment execution process 13, the SMS sending process 14, A location information process 16, a data transfer process 17, a bar code and QR code analysis process 18, as shown in Fig.

The information management process 11 includes an input / output management process for confirming and storing information inputted to the buyer's mobile phone 20 or the seller's payment receiving terminal 40 and a serial number of a payment receiving terminal such as a mobile phone, A password information process for encrypting and storing the user information, and an analysis execution process for matching each process and extracting and inserting necessary information.

The customer management process 12 stores and manages the information of the buyer's mobile phone 20 and the seller's payment receiving terminal 40 and requires a phone page or a home page and is automatically executed. Is a process of retrieving data stored in the customer management process 12 at the time of inputting a telephone number and a mutual input so as to search for an affiliated shop so that the merchant can be easily found.

That is, when the purchaser's mobile phone 20 accesses the secure payment system 10, it recognizes and accesses the credit card company and the financial company server 30 through the analysis execution process and stores them in the information management process 11, The phone page of the purchaser mobile phone 20 is outputted at the same time as the output of the phone page of the purchaser mobile phone 20 and the seller's payment receiving terminal 40 .

The payment execution process 13 is a process of extracting necessary information from the information management process 11 and exchanging information with the card company and the financial company server 30 as well as contents for exchanging information with the purchaser's cellular phone 20 or the seller's payment reception terminal 40 And extracts necessary information from the information management process 11 and extracts the necessary information from the phone and home process 15 and the SMS sending process 14 And automatically executes the input and execution in the ranks of the buyer's mobile phone 20 or the seller's payment receiving terminal 40 in real time.

The SMS sending process 14 is a function of automatically transmitting character information to the buyer's mobile phone 20 and the seller's payment receiving terminal 40. The SMS sending process 14 includes a buyer's mobile phone 20 executing a secure payment system 10, And recognizes the progress of the receiving terminal 40 in real time.

The phone and home page process 15 sends all payment proceedings such as payment request information, purchase goods, payment amount, and so on through the secure payment system 10 from the buyer's mobile phone 20 and the seller's payment reception terminal 40 to the phone page Or output it to the screen on the homepage.

In addition, when the payment information is completely input to the purchaser's cellular phone 20 and then transmitted, the card issuer and the financial company server 30 are automatically transmitted and received by the analysis execution process and stored in the information management process 11, Phone and home page processes 15, and at this time, the phone page of the buyer mobile phone 20 is outputted not only in the ripple output of the phone page but also on the homepage of the seller payment receiving terminal 40.

The location information process 16 is for providing merchant information of the seller to the purchaser promptly using the same location coordinates of the buyer's mobile phone 20 and the seller's payment receiving terminal 40 to facilitate payment.

That is, the merchant payment receiving terminal 40, which is an affiliate shop, is a certain place, and the buyer's mobile phone 20 moves but recognizes the coordinates to access the phone page when purchasing (payment) or searching, And automatically displays the information of the seller payment receiving terminal 40 on the phone page in the analysis execution process.

Therefore, when the user connects to the safe payment system 10 without inputting the merchant number into the purchaser's mobile phone 20, the merchant's mobile phone 20 (20) matches the coordinates of the coordinates recognized in the analysis execution process, When the buyer selects the merchant to be paid out from the merchant points displayed on the phone page of the buyer's mobile phone 20, the merchant information necessary for payment is automatically displayed and only the payment amount is inputted. It is easy to do.

Particularly, when the seller payment receiving terminal 40 using a computer (hereinafter referred to as "POS computer") equipped with a POS program is linked to the safe payment system 10, When a number (for example, a table number for a restaurant, a delivery number for a delivery business, etc.) is given, not only the merchant information necessary for payment but also the details of the goods to be paid and the amount of money can be confirmed.

The barcode and QR code analyzing process 18 reads the barcode and the cue code captured when the barcode and the cue code attached to the proper location of the merchant are photographed using the camera installed in the buyer's cellular phone 20, The information of the merchant is displayed on the buyer's mobile phone 20 by automatically searching for the merchant in cooperation with the customer management process 12 after the reading, .

The data transfer process 17 transfers all information exchanged between the buyer's mobile phone 20, the credit card company, the financial company server 30 and the seller's payment receiving terminal 40 to the public communication network of the mobile phone and the Internet in the secure payment system 10 Or a communication port that can receive data.

The secure payment system 10 includes the information management process 11, the secure payment system 10, the purchaser's mobile phone 20, the card company and the financial company server 30, The customer management process 12, the payment execution process 13, the SMS dispatch process 14, the phone and homepage process 15, the location information process 16, the barcode and QR code analysis process 18, 17, a comprehensive settlement method according to the present invention will be described in detail with reference to FIGS. 3 to 6 as follows.

The secure payment method using the mobile phone mobile according to the present invention includes a buyer registration process for obtaining authentication in the secure payment system 10 through the purchaser's mobile phone 20 and a secure payment system 10 And a secure settlement process is performed between the buyer's mobile phone 20 and the seller's payment receiving terminal 40 in a state where the buyer registration process and the seller registration process are completed.

In the present invention, the buyer registration process and the seller registration process are described in detail in Japanese Patent No. 1078173 previously filed by the applicant of the present invention, and a detailed description thereof will be omitted. Hereinafter, the buyer registration process and the seller registration process are completed, A comprehensive card payment method of a secure payment system using a mobile will be described.

6 is a flowchart of a system for a comprehensive card settlement method of a secure settlement system using a mobile phone mobile according to the present invention. First, a purchaser is sent to a local government office 41 The issuing office and the access codes for each household, individual, and corporation, which can be connected to the secure payment system 10 as shown in FIG. 3, are recorded in the public office 41 The settlement access medium 44 is issued by mail or directly visited to the public office 41 where the issuance request is issued (step 101) It is preferable to receive it.

When the issuance of the settlement connection medium 44 is completed in the government office 41, all the taxation information of the tax and utility charges corresponding to the applicant of the payment access medium 44 is transmitted to the secure payment system 10 (step 102) On the other hand, the seller 43 also transmits the payment information for selling the article to the purchaser to the security payment system 10 (step 103).

At this time, the secure payment system 10 stores all the taxation information of the tax and utility charges transmitted from the government office 41 and the seller 43 and the payment receipt information of the goods.

In this state, the payment connection medium 44 issued by the user from the government office 41 is approached to the local communication chip NFC built in the buyer's cellular phone 20 as shown in FIG. 5A (step 104) (Step 105), the information recorded in the local communication chip built in and printed on the payment access medium 44 and the quail code 42 is read and automatically transmitted through the Internet for secure payment System 10 (step 106).

At this time, the safe payment system 10 extracts payment information of various taxes and utility charges transmitted from the government office 41 and the merchant 43 and payment information of the purchased goods from the merchant as shown in the following screen 1 To the buyer's cellular phone 20 and displayed (step 108).

[Screen 1]

Thereafter, as shown in the screen 1, payment information of various taxes and bills transferred from the government office 41 and the merchant 43 and payment information of the goods purchased from the merchant store are selected and stored in the shopping cart, And the settlement process (step 109). The above-mentioned settlement process is described in detail in Korean Patent No. 1078173 previously filed by the present applicant, and a detailed description thereof will be omitted.

In the secure payment system using the mobile phone mobile according to the present invention through the above process, by eliminating the preparation of the payment slip and the mailing process for the addition of various taxes and bills to the individuals and corporations in the public office, The user can accurately recognize the type of tax and utility charges, the amount of payment, and the due date of payment to be paid by the user, so that it is possible to eliminate the disadvantage of the user when the user pays the payment time, The settlement list can be used to collectively pay for goods purchased at TV home shopping, shopping malls, restaurants, and delivery shops as well as various taxes and utilities.

10: Safe payment system
20: Buyer mobile phone
30: Card companies and financial company servers
42: Qial Code
43: Seller
44: Payment access medium

Claims (1)

A merchant payment terminal for confirming a settlement status in real time by a card approval request of the purchaser's mobile phone; A secure settlement system using a mobile phone mobile provided with a secure settlement system for relaying information necessary for settlement between a seller payment receiving terminal, a credit card company, and a financial company server, and providing a screen necessary for settlement, The method comprising the steps of: determining whether a mobile communication terminal is in a standby state,
A first step of issuing a payment access medium printed with a local communication chip on which a connection code for each household, individual, and corporation is recorded, and a payment access medium printed with a quail code, which can be connected to a secure payment system when a purchaser requests issuance of a payment access medium to a government office 101,
After the first step, all the tax and utility tax information corresponding to the applicant of the payment access medium is transmitted to the secure settlement system, and the seller transmits the billing information as the seller sells the article to the safe payment system Two steps 102 and 103,
A third step (104) (105) of bringing the buyer's cellular phone and the short distance communication chip close to each other,
A fourth step (106) of reading the information recorded in the local area communication chip and the radio code and automatically accessing the secure payment system after the third step,
A fifth step (107) (108) of extracting payment information of various taxes and utility bills transmitted from the government office and the seller after the execution of the fourth step, and transmitting the payment information of the purchased goods from the merchant to the purchaser's cellular phone,
And a sixth step (109) of selecting an object to be paid out after performing the fifth step and storing it in a shopping cart and performing a payment process.

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