KR20140119595A - Payment processing system, device and method - Google Patents

Abstract

A payment processing system according to the present invention includes: a wireless terminal which receives a resident registration number from a purchaser if a purchase command of a specific product is inputted from the purchaser through an installed application, transmits the resident registration number with a phone number to a service server (wherein, the service server is a server which provides a user authentication and payment service), and requests a payment process according to the purchase command; and the service server which generates an authentication key if the resident registration number and the phone number are received from the wireless terminal through a communications network, and transmits the authentication key to the wireless terminal with an MO reception number (wherein, the MO reception number means a reception number for receiving a message from the wireless terminal in a message oriented (MO) way). The wireless terminal transmits the authentication key, which is received from the service server, to the service server in a message oriented (MO) way. The service server processes a payment for the purchase request of a purchaser, if the phone number of a wireless terminal, which transmits an authentication key in the MO way, and the phone number of a wireless terminal, which transmits a resident registration number, match each other and an authentication key, which is received in the MO way, and the authentication key, which is transmitted to the wireless terminal, match each other.

Description

[0001] PAYMENT PROCESSING SYSTEM, DEVICE AND METHOD [0002]

The present invention relates to a payment processing system, an apparatus and a method, and more particularly, to a payment processing system, an apparatus, and a method for processing a payment using a resident registration number of a buyer at the time of a purchase request through an app provided in a wireless terminal It is about.

In recent years, e-commerce, which is referred to as a "mobile shopping mall", has been activated due to the development of mobile communication service technology. Currently, such e-commerce services are advantageous in terms of convenience and reliability of billing and delivery, .

Conventionally, in order to purchase a product using electronic commerce, a purchaser has to access a specific electronic commerce site (hereinafter referred to as a 'mobile shopping mall') to acquire product information and price information, and then make a purchase decision.

As a method for purchasing a specific commodity selected by a user using an e-commerce site, there have been methods such as bank transfer, credit card settlement, or mobile settlement.

However, in the conventional payment method, the user directly deposits the amount corresponding to the price of the goods to the account number of the seller, or performs authentication after the user directly inputs his credit card number, The user has to purchase the corresponding authentication number only by inputting the received authentication number into the electronic commerce site and performing the authentication, so that the user has a disadvantage in that it is troublesome to purchase the specific commodity using the conventional payment method.

In particular, in order for a user to make a credit card settlement or a mobile settlement, various information such as a resident registration number of a user, a phone number of a wireless terminal to be authenticated, information on a mobile communication company being used, And the like.

The recognition of the problems and problems of the prior art is not obvious to a person having ordinary skill in the art, so that the inventive step of the present invention should not be judged based on the recognition based on such recognition I will reveal.

An object of the present invention to overcome the above problems is to provide a payment processing system, an apparatus, and a method for processing payment for a purchase item using a resident registration number of a buyer when a purchase request is received through an app provided to a wireless terminal from a buyer .

In the payment processing system according to the present invention, when a purchasing command for a specific commodity is input from a purchaser through the provided app, a resident registration number is inputted from a purchaser and a service server is provided along with a telephone number, wherein the service server provides a user authentication and settlement service - a wireless terminal for transmitting a payment request according to the purchase command to a wireless terminal; When receiving the resident registration number and the telephone number from the wireless terminal through a communication network, generates an authentication key to obtain an MO receiving number, wherein the MO receiving number is a receiving number for receiving a message from the wireless terminal in an MO (Message Oriented) The wireless terminal transmits the authentication key received from the service server to the service server in an MO (Message Oriented) manner, and transmits the service key to the service server The server receives the authentication key received from the MO system and the authentication key transmitted to the wireless terminal, and transmits the authentication key to the wireless terminal. It processes the payment for the buyer's purchase request.

The payment processing apparatus according to the present invention receives a resident registration number from a purchaser when a purchase request command for a specific commodity is inputted through an app provided to a wireless terminal from a purchaser, And a server for providing a settlement service to request payment processing according to the purchase command; And generating a message including the resident registration number and the authentication key received from the service server that has received the telephone number, and receiving an MO receiving number of the service server received from the service server, wherein the MO receiving number is a message To a mobile station (MS) in a Message Oriented (MO) manner.

The payment processing apparatus according to the present invention includes: a key generation unit for generating an authentication key when a resident registration number of the purchaser is received from an app provided in a wireless terminal of a purchaser; The authentication key and the MO receiving number generated by the key generating unit, wherein the MO receiving number means a receiving number for receiving a message from the wireless terminal of the purchaser in a message-oriented manner, A transmitting / receiving unit for receiving an authentication key from a specific wireless terminal by an MO system; A comparing unit comparing a telephone number of the specific wireless terminal that transmitted the authentication key received in the MO system with a telephone number of the wireless terminal of the purchaser who transmitted the resident registration number of the purchaser; And a processing unit for processing the authentication key and the MO reception number generated by the key generation unit to be transmitted to the application when the resident registration number of the purchaser is received from the wireless terminal of the purchaser, As a result of comparison, if the telephone number of the specific wireless terminal matches the telephone number of the purchaser wireless terminal that transmitted the resident registration number of the purchaser, and the authentication key received from the specific wireless terminal and the authentication key transmitted to the wireless terminal of the buyer And if it agrees with the buyer's request, processes the payment for the buyer's purchase request.

The payment processing method according to the present invention comprises the steps of: (a) outputting, on a display, an input window for receiving a resident registration number from a purchaser when a purchase request command for a specific commodity is input from a purchaser through an app provided in the wireless terminal; (b) If the resident registration number of the purchaser is input through the input window, the service server in the app transmits the resident registration number and the telephone number of the wireless terminal to the server for providing the user authentication and settlement service ; (c) an authentication key generated by the service server and an MO receiving number of the service server, wherein the MO receiving number is a receiving number for receiving a message from the wireless terminal in a message-oriented manner; Transmitting to the app; (d) transmitting the authentication key from the application to the service server through an MO (Message Oriented) method; (e) determining whether the telephone number of the wireless terminal transmitting the authentication key in the service server matches the telephone number of the wireless terminal transmitting the resident registration number; (f) determining whether the received authentication key is identical to the authentication key transmitted to the mobile terminal, if it is determined in step (e) that the telephone numbers match; And (g) processing the payment for the buyer's purchase request at the service server if it is determined that the respective authentication keys match in step (f).

The payment processing method according to the present invention comprises the steps of: (a) outputting, on a display, an input window for receiving a resident registration number from a purchaser when a purchase request command for a specific commodity is input from a purchaser through an app provided in the wireless terminal; (b) If the resident registration number of the purchaser is input through the input window, the service server in the app transmits the resident registration number and the telephone number of the wireless terminal to the server for providing the user authentication and settlement service ; And (c) an authentication key from the service server and an MO receiving number of the service server, wherein the MO receiving number means a receiving number for receiving a message from the wireless terminal in a message-oriented manner (MO) And transmitting the encrypted key to the MO receiving number of the service server when the MO receiving number of the service server is received.

The payment processing method according to the present invention comprises the steps of: (a) generating an authentication key when a resident registration number of the purchaser and a telephone number of a wireless terminal of the purchaser are received from an app provided in a wireless terminal of a purchaser, The MO receiving number being a receiving number for receiving a message from the wireless terminal in a message orientated manner; (b) determining whether the telephone number of the specific wireless terminal that transmitted the authentication key is identical to the telephone number of the wireless terminal of the purchaser who has transmitted the resident registration number when the authentication key is received in the MO mode; (c) determining whether the authentication key transmitted from the specific wireless terminal matches the authentication key transmitted to the wireless terminal of the purchaser, if it is determined in step (b) that the telephone numbers match; And (d) processing the payment for the purchase request of the buyer if it is determined in step (c) that the respective authentication keys match.

According to the present invention, a purchaser who requests a purchase through an app provided in a wireless terminal can enter payment by entering only a resident registration number, thereby making it possible to simplify a payment process to be performed by a buyer, There is an effect to prevent.

In addition, the authenticity of the purchaser's wireless terminal using the one-time key and the MO message for confirming the purchaser for settlement increases the reliability of the settlement process.

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are incorporated in and form a part of the specification, illustrate preferred embodiments of the invention and, together with the description of the invention given above, serve to further the understanding of the technical idea of the invention. And should not be construed as interpretation.
1 is a diagram showing a configuration of a payment processing system according to a first embodiment of the present invention.
2 is a diagram illustrating a configuration of a purchaser wireless terminal according to a first embodiment of the present invention.
3 is a diagram illustrating a configuration of a service server according to a first embodiment of the present invention.
4 is a diagram illustrating an example of a process of processing a payment according to the first embodiment of the present invention.
5 is an exemplary view showing an output screen of the purchaser wireless terminal according to the first embodiment of the present invention.
6 is a diagram illustrating a configuration of a purchaser wireless terminal according to a second embodiment of the present invention.
7 is a diagram illustrating a configuration of a service server according to a second embodiment of the present invention.
8 is a view for explaining an example of a process of processing a payment according to a second embodiment of the present invention.
9 is a diagram showing a configuration of a payment processing system according to a third embodiment of the present invention.
FIG. 10 is a diagram showing a configuration of a purchaser wireless terminal according to a third embodiment of the present invention.
11 is a diagram illustrating a configuration of a service server according to a third embodiment of the present invention.
12 is a view for explaining an example of a process of processing a payment according to the third embodiment of the present invention.
13 is a diagram showing a configuration of a purchaser wireless terminal according to a fourth embodiment of the present invention.
FIG. 14 is a diagram illustrating a configuration of a service server according to a fourth embodiment of the present invention.
15 is a view for explaining an example of a process of processing a payment according to the fourth embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

Here, in the embodiment of the present invention, for convenience of explanation, it is assumed that a buyer selects and purchases a specific commodity through a mobile shopping app provided in a wireless terminal.

1 is a diagram showing a configuration of a payment processing system according to a first embodiment of the present invention.

Referring to FIG. 1, the payment processing system according to the first embodiment of the present invention includes a purchaser wireless terminal 100, a service server 300, an MO service server 400, and a mobile communication company server 500.

The purchaser wireless terminal 100 is a terminal possessed by a purchaser and capable of transmitting and receiving data to and from the service server 300 through a communication network. In the first embodiment of the present invention, the purchaser wireless terminal 100 provides information about the goods to the buyer, And a mobile shopping app that processes payment for the selected product. Here, the mobile shopping app is provided with information related to shopping from the service server 300 in cooperation with the service server 300. In addition, the communication network is a communication network that provides data service to the purchaser wireless terminal 100, and in the first embodiment of the present invention, providing wireless data service between the purchaser wireless terminal 100 and the service server 300 desirable.

The buyer wireless terminal 100 outputs an input window for inputting the resident registration number of the buyer when a purchase command for a specific commodity is input from the purchaser, and when the buyer inputs the resident registration number through the input window, the service server 300 transmits the symmetric key Lt; / RTI > At this time, the purchaser wireless terminal 100 transmits the goods information selected by the buyer to the service server 300, and requests the settlement processing for the buyer's purchase request.

When the symmetric key is received from the service server 300, the purchaser wireless terminal 100 generates a cipher text in which the resident registration number is encrypted with the received symmetric key, and transmits the cipher text to the service server 300. At this time, the buyer wireless terminal 100 preferably transmits the ciphertext through the MO service server 400 providing the MO (Message Oriented) service by the MO method. Here, MO service refers to a service for sending a message to a PC or a server from a mobile phone using a message service such as SMS, LMS, MMS, and receiving a response message.

The service server 300 is a server for providing services corresponding to the apps provided in the buyer wireless terminal 100. In the first embodiment of the present invention, shopping information is provided through an app provided in the buyer wireless terminal 100 And processes the settlement process according to the buyer's purchase request. Here, the service server 300 preferably receives and stores a telephone number, which is identification information for identifying the buyer wireless terminal 100, from the buyer wireless terminal 100 when the app is installed in the buyer wireless terminal 100 .

When the symmetric key request is received together with the payment request for the product selected by the buyer through the app provided in the buyer wireless terminal 100, the service server 300 transmits a disposable symmetric key for encrypting the resident number of the buyer And transmits it to an app provided in the buyer wireless terminal 100.

When the cipher text is received from the purchaser wireless terminal 100 in the MO mode, the service server 300 transmits the telephone number of the purchaser wireless terminal 100 that sent the cipher text and the telephone number of the purchaser wireless terminal 100 that requested the symmetric key If the telephone numbers match, the mobile communication company 500 transmits the decrypted and decrypted resident registration number using the one-time symmetric key to the mobile communication company server 500 to request the payment processing for the purchase request of the purchaser .

The MO service server 400 is a server for providing a message to a PC or a server from a mobile phone using a message service such as SMS, LMS, MMS, etc. and receiving a reply to the message using a message. In the first embodiment of the present invention, And transmits the cipher text encrypted by the purchaser wireless terminal 100 to the service server 300. [

The mobile communication company server 500 is a server for processing payment for a payment request received from the service server 300 through a communication network. In the first embodiment of the present invention, If the purchaser confirms that the purchaser is a valid purchasable purchaser, the purchaser approves the payment for the amount to be paid and transmits the payment approval information to the service server 300. Herein, although the mobile communication company server is described as a server for processing payment, the present invention is not limited thereto, and a VAN server, a credit card company server, and a financial company server that process settlement and / It is also possible to be one of servers capable of user authentication and settlement processing.

2 is a diagram illustrating a configuration of a purchaser wireless terminal according to a first embodiment of the present invention.

2, the purchaser wireless terminal 100 includes a wireless terminal side storage unit 110, a wireless terminal side transmission / reception unit 120, a display unit 130, an encryption unit 140, a message transmission unit 150, A wireless terminal side processing unit 160 and a wireless terminal side control unit 170 for controlling the respective constituent units.

The wireless terminal side storage unit 110 stores an OS for operating the purchaser wireless terminal 100 and at least one or more applications. In the embodiment of the present invention, a mobile shopping app that can operate in conjunction with the service server 300 Is preferably stored. Here, the wireless terminal side storage unit 110 stores a predetermined program routine (or code) and / or program data (e.g., an operation by a program routine (or code)) for controlling the overall operation of the purchaser wireless terminal 100 (Read only memory) corresponding to a read-only memory, a flash memory (FM) capable of reading / writing, and an EEPROM (read only memory) Electrically Erasable and Programmable Read Only Memory) and the like.

In the embodiment of the present invention, a symmetric key request command and a payment request command are transmitted to the service server 300, and the service server 300 And receives the symmetric key.

The display unit 130 displays a driving screen of the mobile shopping app. In the embodiment of the present invention, the display unit 130 outputs the shopping related information provided from the service server 300 and a payment process according to the payment request of the purchaser.

The encrypting unit 140 generates a cipher text in which the resident registration number entered by the purchaser is encrypted using the symmetric key received through the transceiver unit 120 on the wireless terminal side. Here, the encryption unit 140 may generate a cipher text by adding a cryptographic operation such as a forgery check hash to the cipher text in order to improve the cipher level.

The message transmission unit 150 generates an SMS message including the cipher text generated by the encryption unit 140 and transmits the generated SMS message to the service server 300 through the MO service server 400 in the MO scheme. Here, the message transmission unit 150 receives the address of the service server 300 from the mobile shopping application and transmits a message including the cipher text to the service server 300. At this time, the message transmission unit 150 transmits the mobile communication company information and the telephone number to the service server 300 together with the cipher text to provide the mobile communication service to the buyer wireless terminal 100.

The wireless terminal side processing unit 160 outputs an input window for receiving a resident registration number from the purchaser to the display unit 130 when a purchase request command for a specific commodity is input from the purchaser.

In addition, when the resident registration number of the purchaser is inputted through the input window, the wireless terminal side processing unit 160 transmits a symmetric key request command to the service server 300 through the wireless terminal side transceiver unit 120.

3 is a diagram illustrating a configuration of a service server according to a first embodiment of the present invention.

3, the service server 300 includes a server side transmission / reception unit 310, a server side storage unit 320, a key generation unit 330, a comparison unit 350, a server side processing unit 360, And a server-side control unit 370 for controlling the constituent units of the server.

In the embodiment of the present invention, the server side transmission / reception unit 310 receives a symmetric key request command for encrypting a resident registration number from a buyer wireless terminal 100 connected through a communication network, Receives the request command and transmits the disposable symmetric key to the buyer wireless terminal 100. [ In addition, the server-side transmitter-receiver unit 310 receives a message including the cipher text from the purchaser wireless terminal 100 by the MO method.

The server-side storage unit 320 stores various pieces of information used for the operation of the service server 300. In the embodiment of the present invention, the server-side storage unit 320 stores information on products to be provided as mobile shopping apps.

In addition, the server-side storage unit 320 stores a telephone number, which is identification information of at least one or more wireless terminals installed with the mobile shopping app. In the embodiment of the present invention, a mobile shopping app is installed in the purchaser wireless terminal 100 Stores the telephone number which is the identification information of the purchaser wireless terminal 100 and transmits the disposable symmetric key generated by the key generator 330 to the purchaser wireless terminal 100 according to the symmetric key request of the purchaser wireless terminal 100 Matching with the telephone number.

The server-side storage unit 320 stores the buyer information, the payment means information of the purchaser, the wireless terminal information of the purchaser, the address information of the purchaser, the location information of the purchaser, the purchase history information, the order information, And may include seller information, sales product information of the seller, location information of the sales shop, sales amount information of the sales commodity, order history information to the seller, payment history information of the seller, sales terminal information, Communication terminal information, and the like.

The key generation unit 330 is a device that generates a one-time symmetric key according to a symmetric key request of the purchaser's wireless terminal 100.

The comparing unit 350 compares the telephone number of the purchaser wireless terminal 100 that has transmitted the ciphertext with the MO scheme and the telephone number of the purchaser wireless terminal 100 that requested the symmetric key.

The server side processing unit 360 determines whether the telephone number of the purchaser wireless terminal 100 that transmitted the cipher text in the MO system through the comparison unit 350 matches the telephone number of the purchaser wireless terminal 100 that requested the symmetric key And decrypts the cipher text received by the MO method using the one-time symmetric key if the telephone numbers match each other, and then requests the mobile communication company server 500 for payment processing for the purchase request of the purchaser. Here, the server-side processing unit 360 transmits the settlement amount corresponding to the purchasing request of the purchaser to the mobile communication company server 500 and requests payment processing.

FIG. 4 is a diagram illustrating an example of a process for processing a payment according to the first embodiment of the present invention, and FIG. 5 is an exemplary view showing an output screen of the purchaser wireless terminal according to the first embodiment of the present invention.

4 and 5, when the buyer wireless terminal 100 receives a purchase command for a specific commodity from the purchaser through the mobile shopping app as shown in FIG. 5A (S411) And outputs an input window for receiving the resident registration number from the purchaser to the display unit 130 (S413).

Then, when the resident registration number is input from the purchaser (S415), the purchaser wireless terminal 100 requests the service server 300 for a symmetric key for encrypting the resident registration number (S417). At this time, the purchaser wireless terminal 100 transmits the goods information selected by the buyer to the service server 300 together.

Then, the service server 300 generates a one-time symmetric key requested by the purchaser's wireless terminal 100 through an input window (S420) and transmits it to the purchaser's wireless terminal 100 (S423). At this time, the service server 300 stores the disposable symmetric key generated by the key generator 330 and the symmetric key with the telephone number of the requester wireless terminal 100, and stores the matched key.

Next, the purchaser wireless terminal 100 generates a cipher text in which the resident registration number is encrypted using the symmetric key transmitted from the service server 300 (S430), and generates an SMS message including the cipher text as shown in FIG. 5 (c) And transmits the generated ciphertext to the service server 300 through the MO service server 400 through the MO method (S433). Here, the purchaser wireless terminal 100 processes the message including the cipher text not to be output to the display unit 630 according to the OS and automatically transmits the cipher text to the service server 300 It is possible.

Subsequently, the service server 300 compares the telephone number of the purchaser wireless terminal 100 that sent the cipher text with the telephone number of the purchaser wireless terminal 100 that requested the symmetric key (S440), and determines that the telephone numbers match Decrypts the cipher text received by the MO method with the single-use symmetric key, and extracts the resident registration number (S443).

Then, the service server 300 transmits the mobile communication company information together with the resident registration number to the mobile communication company server 500 and the telephone number of the wireless terminal 100 of the purchaser to request payment processing (S445).

Then, the mobile communication company server 500 performs an authentication process for confirming whether it is a valid purchaser by using the resident registration number, the mobile communication company information, and the telephone number of the wireless terminal 100 of the purchaser received together with the payment request from the service server 300 If the purchaser is a valid purchasable purchaser, the buyer processes the payment for the amount to be paid (S460), and transmits the payment approval information to the service server 300 (S463).

Next, the service server 300 confirms the payment approval information transmitted from the mobile communication company server 500 and transmits the payment processing result including the payment approval information to the purchaser wireless terminal 100 (S470).

Subsequently, the purchaser wireless terminal 100 outputs the payment processing result received in step S470 through the display unit 130 as shown in (d) of FIG. 5 (S480).

Hereinafter, the second embodiment of the present invention will be described. For the sake of convenience of explanation, the parts overlapping with the first embodiment described above will be omitted. The buyer wireless terminal 600 and the service server 700 according to the second embodiment correspond to the buyer wireless terminal 100 and the service server 300 according to the first embodiment, respectively.

6 is a diagram illustrating a configuration of a purchaser wireless terminal according to a second embodiment of the present invention.

6, the purchaser wireless terminal 600 includes a wireless terminal side storage unit 610, a wireless terminal side transmission / reception unit 620, a display unit 630, a message transmission unit 650, a wireless terminal side processing unit 660 And a wireless terminal control unit 670 for controlling the respective components.

The wireless terminal side storage unit 610 stores an OS for operating the buyer wireless terminal 600 and at least one or more apps. In the embodiment of the present invention, a mobile shopping app that can operate in conjunction with the service server 300 Is preferably stored.

The wireless terminal side transceiving unit 620 transmits and receives data to and from a device connectable via a communication network. In the embodiment of the present invention, the purchaser's resident registration number and payment request command are transmitted to the service server 700, And receives the authentication key from the server. Here, the authentication key is a randomly generated key for confirming whether the wireless terminal having received the authentication key is a valid terminal for settlement, and may be a randomly generated key using numbers or letters, or a key obtained by encrypting all or a part of a resident registration number .

The message transmission unit 650 generates an SMS message including the authentication key transmitted from the service server 300 and transmits the generated SMS message to the service server 700 through the MO service server 400 in the MO mode. Here, the message transmission unit 650 receives the address of the service server 700 from the mobile shopping application and transmits a message including the authentication key to the corresponding address to the service server 700. At this time, the message transmission unit 650 transmits the mobile communication company information and the telephone number together with the authentication key to the service server 700.

The wireless terminal side processing unit 660 outputs an input window to the display unit 630 so that the purchaser can input the resident registration number of the buyer when a purchase request command for a specific commodity is input from the purchaser.

When the resident registration number of the purchaser is inputted through the input window, the wireless terminal side processing unit 660 transmits the resident registration number to the service server 700 through the wireless terminal side transceiver unit 620.

When receiving the authentication key from the service server 700, the wireless terminal side processing unit 160 transmits the authentication key received via the message transmission unit 650 to the service server 700 in the MO mode.

7 is a diagram illustrating a configuration of a service server according to a second embodiment of the present invention.

7, the service server 700 includes a server side transmission / reception unit 710, a server side storage unit 720, a key generation unit 730, a comparison unit 750, a server side processing unit 760, And a server-side control unit 770 for controlling the components of the server.

The server side transmitter / receiver 710 receives the resident registration number and the settlement request from the service server 700 connected via the communication network and transmits the one-time authentication key to the buyer wireless terminal 600. In addition, the server-side transmitter-receiver unit 710 receives a message including the authentication key from the buyer wireless terminal 600. [

The server side storage unit 720 stores the telephone number, which is the identification information of the purchaser wireless terminal 600, when the mobile shopping app is installed in the purchaser wireless terminal 100, The one-time authentication key generated by the key generation unit 630 is matched with the telephone number of the buyer wireless terminal 600 and stored. Here, the server-side storage unit 720 may store and store the one-time authentication key, the telephone number of the purchaser's wireless terminal 600, and the resident registration number received through the server-side transmitting and receiving unit 710.

The key generation unit 730 is a device for generating a one-time authentication key in response to an authentication key request of the purchaser's wireless terminal 600. [ Here, the authentication key is preferably a randomly generated key using numbers or letters, or it may be a key obtained by encrypting all or part of the resident registration number.

The comparison unit 750 compares the telephone number of the purchaser wireless terminal 600 that transmitted the authentication key in the MO system with the telephone number of the purchaser wireless terminal 600 that requested the authentication key.

The comparing unit 750 compares the authentication key received from the purchaser wireless terminal 600 in the MO mode with the one-time authentication key generated in the purchaser wireless terminal 600 in response to the authentication key request.

The server-side processing unit 760 determines whether the telephone number of the purchaser wireless terminal 600 that transmitted the cipher text in the MO system through the comparison unit 750 matches the telephone number of the purchaser wireless terminal 600 that requested the authentication key If the telephone numbers match each other, the comparing unit 750 compares the authentication key received from the purchaser wireless terminal 600 in the MO method with the one-time authentication key generated in the purchaser wireless terminal 600 in response to the authentication key request do.

When the authentication key received from the purchaser wireless terminal 600 in the MO method matches the one-time authentication key generated in the purchaser wireless terminal 600 in response to the authentication key request, the server-side processing unit 760 transmits the authentication key to the mobile communication company server 500 ) To request payment processing for the buyer's purchase request.

8 is a view for explaining an example of a process of processing a payment according to a second embodiment of the present invention. Here, for convenience of explanation, FIG. 5 will be described together.

Referring to FIGS. 8 and 5, when the buyer wireless terminal 600 receives a purchase command for a specific commodity from the purchaser through the mobile shopping app as shown in FIG. 5A (S811) And outputs an input window for receiving the resident registration number from the purchaser to the display unit 630 (S813).

When the resident registration number is inputted from the buyer through the input window (S815), the buyer wireless terminal 600 transmits the resident registration number inputted by the buyer to the service server 700 (S817). At this time, the buyer wireless terminal 600 transmits the goods information selected by the buyer together with the service server 700. [

Then, the service server 700 generates a one-time authentication key (S820), and transmits the generated authentication key to the purchaser wireless terminal 600 (S823). At this time, the service server 700 stores the one-time authentication key and the resident registration number generated by the key generation unit 730 by matching with the telephone number of the sender wireless terminal 600.

Then, the purchaser's wireless terminal 600 generates an SMS message including the authentication key as shown in (c) of FIG. 5 and transmits the authentication key to the service server 700 through the MO method (S830). Here, the purchaser wireless terminal 600 may process the message including the authentication key on the display unit 630 according to the OS to transmit the authentication key to the service server 700 It is possible.

Next, the service server 700 compares the telephone number of the purchaser wireless terminal 600 that transmitted the authentication key with the telephone number of the purchaser wireless terminal 600 that transmitted the resident registration number (S840), and determines that the telephone numbers match (S843) the authentication key received from the purchaser's wireless terminal 600 and the one-time authentication key generated upon the request for the authentication key from the purchaser's wireless terminal 600. [

Subsequently, it is determined whether the authentication key received from the purchaser wireless terminal 600 matches the one-time authentication key generated upon the authentication key request in the buyer wireless terminal 600 (S845).

If it is determined in step S845 that the authentication key received from the purchaser's wireless terminal 600 matches the one-time authentication key generated upon request of the authentication key from the purchaser's wireless terminal 600, the service server 700 determines whether the one- 500) transmits the mobile communication company information together with the resident registration number and the telephone number of the wireless terminal 100 of the purchaser to request payment processing (S847).

Then, the mobile communication company server 500 confirms whether the purchaser is a valid purchaser by using the resident registration number, the mobile communication company information, and the telephone number of the purchaser's wireless terminal 600 received together with the payment request from the service server 700, If the purchaser is a valid purchaser, the purchaser processes the payment for the amount to be paid (S860), and transmits the payment approval information to the service server 700 (S863).

Next, the service server 700 confirms the payment approval information transmitted from the mobile communication company server 500 and transmits the payment processing result including the payment approval information to the purchaser wireless terminal 600 (S870).

Then, the buyer wireless terminal 600 outputs the payment result received in step S870 through the display unit 630 as shown in (d) of FIG. 5 (S880).

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

Here, in the embodiment of the present invention, for convenience of explanation, it is assumed that a buyer selects and purchases a specific commodity through a mobile shopping app provided in a wireless terminal.

9 is a diagram showing a configuration of a payment processing system according to a third embodiment of the present invention.

9, the payment processing system according to the third embodiment of the present invention includes a purchaser wireless terminal 910, an app server 920, a service server 930, an MO service server 940, and a mobile communication company server 950 ).

The purchaser wireless terminal 910 is a terminal possessed by the purchaser and capable of transmitting and receiving data to and from the service server 930 through a communication network. In the third embodiment of the present invention, the purchaser wireless terminal 910 provides information on the goods to the buyer, And a mobile shopping app that processes payment for the selected product. Here, the mobile shopping app provides information related to shopping from the app server 920 in cooperation with the app server 920, and when a purchase request command is input from the buyer, the service server 930 performs payment according to the buyer's purchase request request. In the third embodiment of the present invention, the communication network provides a data service to the purchaser wireless terminal 910. In the third embodiment of the present invention, the communication between the purchaser wireless terminal 910 and the app server 920 or between the purchaser wireless terminal 910 and the service Server 930 to provide data services in a wireless manner.

When the purchaser inputs a purchase command for a specific commodity from the purchaser, the purchaser wireless terminal 910 outputs an input window for inputting the resident registration number of the purchaser. When the buyer inputs the resident registration number through the input window, the resident registration number, And transmits the telephone number of the terminal 910 to the service server 930. At this time, the purchaser wireless terminal 910 transmits the goods information selected by the buyer to the service server 930, and requests the settlement processing for the buyer's purchase request. Here, the buyer wireless terminal 910 receives an input window from which the resident registration number can be input from the service server 300, and outputs the web page to the display. The buyer wireless terminal 910 is in a pop-up format It is also possible to display the input window on the app.

When the purchaser wireless terminal 910 receives the cipher text in which the resident registration number entered by the purchaser is encrypted by the service server 930 and the MO reception number of the service server 930, the cipher text is sent to the MO service And transmits it to the service server 930 through the server 940 in the MO system. Here, MO service refers to a service for sending a message to a PC or a server from a mobile phone using a message service such as SMS, LMS, MMS, and receiving a response message. The MO receiving number is a number pre-assigned to the service server 930 in order to receive a message sent from the purchaser wireless terminal 910. The MO service server 940 refers to the MO receiving number, 930 to send the message sent by the buyer's terminal device 910.

The app server 920 provides a service corresponding to an app provided in the buyer wireless terminal 910. In the third embodiment of the present invention, the app server 920 provides shopping information through an app provided in the buyer wireless terminal 910 do.

In the third embodiment of the present invention, the service server 930 is a server that processes a payment process according to a buyer's purchase request. In the third embodiment of the present invention, Upon receipt, a menu for payment is provided in the form of a web page. Here, the service server 930 according to the third embodiment of the present invention provides an input window for inputting the resident registration number into the app provided in the buyer wireless terminal 910 in the form of a web page when the payment service request is received.

When the service server 930 receives the resident registration number and the telephone number of the purchaser's wireless terminal 910 that are input by the purchaser through the input window through the app provided in the buyer wireless terminal 910, After generating the disposable symmetric key, a cipher text obtained by encrypting the resident registration number of the purchaser with the symmetric key is generated and transmitted together with the MO receipt number of the service server 930 to the app provided in the buyer wireless terminal 910.

When the cipher text is received from the purchaser wireless terminal 910 in the MO mode, the service server 930 transmits the cipher text to the purchaser wireless terminal 910, which has transmitted the cipher text of the buyer wireless terminal 910 and the resident registration number, And compares the telephone numbers. If the telephone numbers match, the mobile communication company server 950 transmits the decrypted resident registration number decrypted using the one-time symmetric key to the mobile communication company server 950, Lt; / RTI >

When the service server 930 receives the payment approval information from the mobile communication company server 950, the service server 930 transmits the payment result including the payment approval information to the application server 920.

The MO service server 940 is a server for providing a service to a PC or a server by using a message service such as SMS, LMS, MMS, etc., And transmits the encrypted cipher text encrypted by the buyer wireless terminal 910 to the service server 930.

The mobile communication company server 950 is a server for processing settlement and user authentication for payment requests received from the service server 930 through a communication network. In the third embodiment of the present invention, The purchaser approves the settlement of the amount to be settled and transmits the settlement approval information to the service server 930. If the purchaser is a valid purchaser, Herein, although the mobile communication company server is described as a server for processing payment, the present invention is not limited thereto, and a VAN server, a credit card company server, and a financial company server that process settlement and / It is also possible to be one of servers capable of user authentication and settlement processing.

FIG. 10 is a diagram showing a configuration of a purchaser wireless terminal according to a third embodiment of the present invention.

10, the purchaser wireless terminal 910 includes a wireless terminal side storage unit 911, a wireless terminal side transmission / reception unit 912, a display unit 913, a message transmission unit 915, a wireless terminal side processing unit 916 And a wireless-terminal-side control unit 917 for controlling the respective components.

The wireless terminal side storage unit 911 stores an OS for operating the purchaser wireless terminal 910 and at least one or more apps. In the embodiment of the present invention, a mobile shopping app capable of interlocking with the service server 930 Is preferably stored.

The wireless terminal side transmission / reception unit 912 transmits / receives data to / from a device connectable through a communication network. In the embodiment of the present invention, the resident registration number of the purchaser, the telephone number of the purchaser wireless terminal 910, 930, and receives a cipher text in which the resident registration number is encrypted from the service server 930 and the MO receiving number of the service server 930.

The display unit 913 displays a driving screen of the mobile shopping application. In the embodiment of the present invention, the display unit 913 outputs the shopping related information provided from the service server 930 and the payment process according to the payment request of the buyer.

The message transmission unit 915 generates an SMS message including a cipher text received from the service server 930 and transmits the SMS message to the service server 930 through the MO service server 940 in the MO mode. Here, the message transmission unit 915 transmits a message including the cipher text to the service server 930 with the MO reception number received from the service server 930. [ At this time, the message transmitting unit 915 transmits the mobile communication company information and the telephone number to the service server 930 together with the cipher text to provide the mobile communication service to the buyer wireless terminal 910.

The wireless terminal side processing unit 916 requests the settlement service from the service server 930 when a purchasing request command for a specific commodity is input from the purchaser and transmits a resident registration number input window page And outputs it to the display unit 913.

When the resident registration number of the purchaser is inputted through the input window, the wireless terminal side processing unit 916 transmits the resident registration number of the purchaser inputted through the input window to the service server 930 through the wireless terminal side transmission / reception unit 912, 910).

11 is a diagram illustrating a configuration of a service server according to a third embodiment of the present invention.

11, the service server 930 includes a server side transmission / reception unit 931, a server side storage unit 932, a key generation unit 933, an encryption unit 934, a comparison unit 935, And a server-side control unit 937 for controlling the respective components.

The server side transmission / reception unit 931 is a device for transmitting / receiving data with a device connectable via a communication network. In the embodiment of the present invention, the server side transmission / reception unit 931 receives a resident registration number and a telephone number of the purchaser wireless terminal 910 And transmits the cipher text in which the resident registration number of the purchaser wireless terminal 910 is encrypted and the MO receiving number of the service server 930 to the purchaser wireless terminal 910. [ In addition, the server-side transmitter-receiver unit 931 receives the message including the cipher text from the buyer wireless terminal 910 in the MO system.

The server-side storage unit 932 matches the resident registration number received from the purchaser's wireless terminal 910 and the telephone number of the purchaser's wireless terminal 910 with the disposable symmetric key generated by the key generation unit 933 to encrypt the resident registration number .

In addition, the server-side storage unit 932 stores a telephone number, which is identification information of at least one or more wireless terminals installed with the mobile shopping app. In the embodiment of the present invention, a mobile shopping app is installed in the purchaser wireless terminal 910 And stores the disposable symmetric key generated by the key generator 933 in response to the symmetric key request of the purchaser wireless terminal 910 to the buyer wireless terminal 910 Matching with the telephone number.

The server-side storage unit 932 stores the buyer information, the payment means information of the purchaser, the information of the wireless terminal held by the purchaser, the address information of the purchaser, the location information of the purchaser, the purchase history information, the order information, And may include seller information, sales product information of the seller, location information of the sales shop, sales amount information of the sales commodity, order history information to the seller, payment history information of the seller, sales terminal information, Communication terminal information, and the like.

The key generation unit 933 is a device for generating a disposable symmetric key for encrypting the resident registration number of the purchaser received from the purchaser's wireless terminal 100. [

The encryption unit 934 generates a cipher text obtained by encrypting the resident registration number of the buyer received from the purchaser's wireless terminal 100 with the symmetric key generated by the key generation unit 933. [ Here, the encryption unit 934 may generate a cipher text by adding a cryptographic operation such as a forgery check hash to the cipher text in order to improve the cipher level.

The comparison unit 935 compares the telephone number of the buyer wireless terminal 910 that transmitted the ciphertext with the MO method with the telephone number of the buyer wireless terminal 910 that transmitted the resident registration number.

The server-side processing unit 936, when receiving a settlement service request according to a buyer's purchase request from the buyer wireless terminal 910, displays an input window for inputting a resident registration number for user authentication and settlement into a buyer wireless terminal 910).

The server side processing unit 936 determines whether the telephone number of the buyer wireless terminal 910 that transmitted the cipher text in the MO system through the comparison unit 935 matches the telephone number of the buyer wireless terminal 910 that transmitted the resident registration number, If the telephone numbers match each other, the mobile communication company server 950 decrypts the cipher text received by the MO method using the one-time symmetric key, and then requests the mobile communication company server 950 to perform settlement processing for the purchase request of the purchaser. Here, the server-side processing unit 936 transmits the settlement amount corresponding to the buyer's purchase request to the mobile communication company server 950 to request the payment processing.

12 is a view for explaining an example of a process of processing a payment according to the fourth embodiment of the present invention. Here, for convenience of explanation, FIG. 5 will be described together.

Referring to FIGS. 12 and 5, when a purchasing command for a specific commodity is input from the purchaser through the mobile shopping app as shown in FIG. 5A (S1211), the purchaser wireless terminal 910 transmits the purchase command to the service server 930 And requests a payment service according to the buyer's purchase request (S1213). At this time, the buyer wireless terminal 910 transmits the goods information selected by the buyer together with the service server 930.

Next, the service server 930 provides an input window for inputting a resident registration number for user authentication and settlement to the buyer wireless terminal 910 in a web page format (S1215), and the buyer wireless terminal 910 inputs a resident registration number And outputs an input window for receiving on the display unit 913 (S1216).

When the resident registration number is input from the purchaser (S1217), the purchaser wireless terminal 910 transmits the resident registration number input by the purchaser to the service server 930 and the telephone number of the purchaser wireless terminal 910 to the service server 930 S1219).

Then, the service server 930 generates a one-time symmetric key for encrypting the resident registration number input by the purchaser through the input window (S1220), and generates a cipher text in which the resident registration number of the purchaser is encrypted using the symmetric key (S1221) . At this time, the service server 930 matches and stores the telephone number of the purchaser wireless terminal 910 that has transmitted the disposable symmetric key generated by the key generator 933 and the resident registration number.

Next, the service server 930 transmits the cipher text generated in step S1221 to the buyer wireless terminal 910 together with the MO receipt number of the service server 930 (S1223).

5C, the buyer wireless terminal 910 generates an SMS message including the cipher text and transmits the generated cipher text to the service server 930 through the MO service server 940 in the MO manner S1233). Here, the purchaser wireless terminal 910 processes the message including the cipher text not to be output to the display unit 913 according to the OS as shown in FIG. 5C, and automatically transmits the cipher text to the service server 930 (S1241).

If it is determined in step S1241 that the telephone numbers match, the cipher text received in the MO method is decrypted with the once-use symmetric key generated in step S1221 to extract the resident registration number (S1243).

Then, the service server 930 transmits the mobile communication company information and the telephone number of the purchaser wireless terminal 910 together with the resident registration number to the mobile communication company server 950 to request payment processing (S1245).

Subsequently, the mobile communication company server 950 performs an authentication process for confirming whether it is a valid purchaser by using the resident registration number, the mobile communication company information, and the telephone number of the wireless terminal 100 of the purchaser received together with the payment request from the service server 930 If the purchaser is a valid purchasable purchaser, the buyer processes the payment for the amount to be paid (S1260), and transmits the payment approval information to the service server 930 (S1263).

Next, the service server 930 confirms the payment approval information transmitted from the mobile communication company server 950 and transmits the payment processing result including the payment approval information to the buyer wireless terminal 910 (S1270). Here, it is preferable that the service server 930 transmits the settlement processing result to the app server 920.

Then, the buyer wireless terminal 910 outputs the payment processing result received in step S1270 through the display unit 913 as shown in (d) of FIG. 5 (S1280).

Hereinafter, a fourth embodiment of the present invention will be described. For the sake of convenience of description, portions overlapping with the third embodiment described above will be omitted. The buyer wireless terminal 910 and the service server 930 according to the fourth embodiment correspond to the buyer wireless terminal 1300 and the service server 1400 according to the fourth embodiment, respectively.

13 is a diagram showing a configuration of a purchaser wireless terminal according to a fourth embodiment of the present invention.

13, the purchaser wireless terminal 1300 includes a wireless terminal side storage unit 1310, a wireless terminal side transmission / reception unit 1320, a display unit 1330, a message transmission unit 1350, a wireless terminal side processing unit 1360 And a wireless terminal control unit 1370 for controlling the respective components.

The wireless terminal side storage unit 1310 stores an OS for operating the purchaser wireless terminal 1300 and at least one or more applications. In the embodiment of the present invention, a mobile shopping application capable of interworking with the service server 930 Is preferably stored.

The wireless terminal side transmission / reception unit 1320 transmits and receives data to / from a device connectable through a communication network. In the embodiment of the present invention, the resident registration number of the purchaser, the telephone number of the purchaser wireless terminal 1300, 1400 and receives the authentication key and the MO reception number of the service server 1300 from the service server 1400. [ Here, the authentication key is a randomly generated key for confirming whether the wireless terminal having received the authentication key is a valid terminal for settlement, and may be a randomly generated key using numbers or letters, or a key obtained by encrypting all or a part of a resident registration number .

The message transmission unit 1350 generates an SMS message including the authentication key transmitted from the service server 1400 and transmits the generated SMS message to the service server 1400 through the MO service server 940 in the MO mode. Here, the message transmission unit 1350 receives the address of the service server 1400 from the mobile shopping application and transmits a message including the authentication key to the corresponding address to the service server 1400. At this time, the message transmission unit 1350 transmits the mobile communication company information and the telephone number together with the authentication key to the service server 1400.

The wireless terminal side processing unit 1360 requests the settlement service from the service server 1400 when a purchase request command for a specific commodity is input from the purchaser and receives a resident registration number input window page And outputs it to the display unit 1330.

When the resident registration number of the purchaser is inputted through the input window, the wireless terminal side processing unit 1360 transmits the resident registration number of the purchaser and the telephone number of the purchaser wireless terminal 1300 to the service server 1400 through the wireless terminal side transceiver 1320 send.

When receiving the authentication key from the service server 1400 and the MO reception number of the service server 1400, the wireless terminal side processing unit 1360 transmits the authentication key received through the message transmission unit 1350 to the service server 1400). At this time, the wireless terminal side processing unit 1360 transmits the authentication key to the MO receiving number of the service server 1400.

FIG. 14 is a diagram illustrating a configuration of a service server according to a fourth embodiment of the present invention.

14, the service server 1400 includes a server side transmission / reception unit 1410, a server side storage unit 1420, a key generation unit 1430, a comparison unit 1450, a server side processing unit 1460, And a server-side control unit 1470 for controlling the constituent units of the server.

The server side transmission / reception unit 1410 receives the resident registration number and the settlement request from the service server 1400 connected via the communication network, and transmits the one-time authentication key to the purchaser wireless terminal 1300. In addition, the server side transmitter / receiver 1410 receives a message including the authentication key from the purchaser wireless terminal 1300.

The server side storage unit 1420 stores the telephone number, which is identification information of the purchaser wireless terminal 1300 when the mobile shopping app is installed in the purchaser wireless terminal 910, The one-time authentication key generated by the key generation unit 1430 is matched with the resident registration number of the purchaser and the telephone number of the purchaser wireless terminal 1300 and stored.

The key generation unit 1430 is a device for generating a one-time authentication key for confirming whether the purchaser is a user who is active. Here, the authentication key is preferably a randomly generated key using numbers or letters, or it may be a key obtained by encrypting all or part of the resident registration number.

The comparing unit 1450 compares the telephone number of the purchaser wireless terminal 1300 that transmitted the authentication key in the MO system with the telephone number of the purchaser wireless terminal 1300 that transmitted the resident registration number.

The comparing unit 1450 compares the authentication key received from the purchaser wireless terminal 1300 in the MO mode with the one-time authentication key generated in the purchaser wireless terminal 1300 in response to the authentication key request.

The server-side processing unit 1460, when receiving a payment service request according to the buyer's purchase request from the buyer wireless terminal 1300, displays an input window for inputting a resident registration number for user authentication and settlement in the form of a web page, 1300).

The server-side processing unit 1460 determines whether the telephone number of the buyer wireless terminal 1300 that transmitted the cipher text in the MO mode through the comparison unit 1450 matches the telephone number of the buyer wireless terminal 1300 that transmitted the resident registration number, If the telephone numbers match each other, the comparison unit 1450 compares the authentication key received through the MO method with the one-time authentication key generated upon reception of the resident registration number from the purchaser wireless terminal 1300.

In addition, if the authentication key received in the MO method matches with the one-time authentication key generated upon reception of the resident registration number from the purchaser wireless terminal 1300, the server-side processing unit 1460 transmits the purchase request to the mobile communication company server 950 Request payment processing.

15 is a view for explaining an example of a process of processing a payment according to the fourth embodiment of the present invention. Here, for convenience of explanation, FIG. 5 will be described together.

15 and 5, when the buyer wireless terminal 1300 receives a purchase command for a specific commodity from the purchaser through the mobile shopping app as shown in FIG. 5A (S1511), the purchaser wireless terminal 1300 transmits the purchase command to the service server 1500 And requests a settlement service according to the buyer's purchase request (S1513). At this time, the buyer wireless terminal 1400 transmits the goods information selected by the buyer together with the service server 1400.

Then, the service server 1400 provides an input window for entering a resident registration number for user authentication and settlement to the buyer wireless terminal 1300 in a web page format (S1515), and the buyer wireless terminal 1300 inputs the resident registration number And outputs an input window for receiving it to the display unit 1330 (S1516).

When the resident registration number is input from the purchaser through the input window in step S1517, the purchaser wireless terminal 1300 transmits the resident registration number input by the purchaser to the service server 1400 and the telephone number of the purchaser wireless terminal 1300 to the service server 1400, (S1519). At this time, the buyer wireless terminal 1300 transmits the goods information selected by the buyer together with the service server 1400.

Then, the service server 1400 generates a one-time authentication key (S1520), and transmits the generated authentication key and the MO receiving number of the service server 1400 to the buyer wireless terminal 1300 (S1523). At this time, the service server 1400 stores the one-time authentication key generated by the key generation unit 1430 by matching with the telephone number of the purchaser wireless terminal 1300 that has transmitted the resident registration number and the resident registration number.

Then, the buyer wireless terminal 1300 generates an SMS message including the authentication key as shown in (c) of FIG. 5 and transmits the authentication key to the service server 1400 in the MO mode (S1533). Here, the purchaser wireless terminal 1300 may process the message including the authentication key on the display unit 1330 according to the OS to transmit the authentication key to the service server 1400 as shown in FIG. 5 (c) It is possible.

Then, the service server 1400 compares the telephone number of the purchaser wireless terminal 1300 that transmitted the authentication key with the telephone number of the purchaser wireless terminal 1300 that transmitted the resident registration number (S1540) (S1541).

If it is determined that the telephone numbers match each other in step S1541, the authentication key received from the purchaser wireless terminal 1300 is compared with the one-time authentication key generated upon the authentication key request from the purchaser wireless terminal 1300 (S1543) .

Then, it is determined whether the authentication key received from the purchaser wireless terminal 1300 matches the one-time authentication key generated upon the authentication key request from the purchaser wireless terminal 1300 (S1545).

If it is determined in step S1545 that the authentication key received from the purchaser wireless terminal 1300 matches the one-time authentication key generated upon request of the authentication key from the purchaser wireless terminal 1300, the service server 1400 transmits the authentication key to the mobile communication company server 950) transmits the mobile communication company information together with the resident registration number and the telephone number of the wireless terminal 100 of the purchaser to request payment processing (S1547).

Then, the mobile communication company server 950 confirms whether the purchaser is a valid purchaser by using the resident registration number, the mobile communication company information, and the telephone number of the purchaser's wireless terminal 600 received together with the payment request from the service server 1400, If the purchaser is a valid purchaser, the purchaser processes the payment for the amount to be paid (S1560), and transmits the payment approval information to the service server 1400 (S1563).

Next, the service server 1400 confirms the payment approval information transmitted from the mobile communication company server 950 and transmits the payment processing result including the payment approval information to the purchaser wireless terminal 1300 (S1570).

Then, the buyer wireless terminal 1300 outputs the payment result received in step S1570 through the display unit 1330 as shown in (d) of FIG. 5 (S1580).

940: MO service server 950: mobile carrier server
1300: Buyer terminal 1310: Wireless terminal side storage unit
1320: wireless terminal side transmission / reception unit 1330:
1350: message transmission unit 1360: wireless terminal side control unit
1400: service server 1410: server side transmission /
1420: server side storage unit 1430: key generation unit
1450: comparator 1460: server-side processor
1470: Server-side control unit

Claims (26)

When a purchasing command for a specific commodity is inputted from a purchaser through a provided app, a resident registration number is input from a purchaser to a service server together with a telephone number, wherein the service server is a server for providing a user authentication and settlement service, A wireless terminal for requesting payment processing according to an instruction; And
When the resident registration number and the telephone number are received from the wireless terminal through a communication network, an authentication key is generated to generate an MO receiving number, where the MO receiving number is a reception number for receiving a message from the wireless terminal in a message orientated manner Means for transmitting to the wireless terminal,
The wireless terminal transmits the authentication key received from the service server to the service server in a message oriented (MO) manner,
Wherein the service server transmits the authentication key received by the MO method to the wireless terminal when the telephone number of the wireless terminal that transmitted the authentication key in the MO method matches the telephone number of the wireless terminal that transmitted the resident registration number, And if the authentication keys match, processing the payment for the buyer's purchase request.
The method according to claim 1,
The wireless terminal,
When a purchasing command for a specific commodity is inputted from the purchaser through the app, a payment service is requested to the service server, and an input window for inputting a resident registration number is provided in the form of a web page from the service server, The payment processing system.
The method according to claim 1,
The service server,
And transmits the resident registration number, the mobile communication company information providing the mobile communication service to the mobile terminal, and the telephone number of the mobile terminal to the mobile communication company server to request the payment processing for the purchase request of the purchaser.
The method according to claim 1,
The service server,
Wherein the authentication key is arbitrarily generated using numbers or characters, or all or part of the resident registration number is encrypted.
When a purchasing request command for a specific commodity is inputted from a purchaser through an app provided in a wireless terminal, the service server receives the resident registration number from the purchaser and provides the user authentication and settlement service together with the phone number. To request payment processing according to the purchase command; And
Generating a message including the resident registration number and the authentication key received from the service server that has received the telephone number, and transmitting the message to the service server, wherein the MO receiving number of the service server, A message transmission unit for transmitting the message to a mobile station through a message-oriented (MO) method;
And the payment processing apparatus.
6. The method of claim 5,
Wherein,
A payment server for requesting a settlement service to the service server when a purchase command for a specific commodity is input from the purchaser, and an input window for inputting a resident registration number from the service server is provided in a web page format and outputted on the app Processing device.
6. The method of claim 5,
The authentication key includes:
Wherein the key is an arbitrarily generated key using a number or a character, or all or part of the resident registration number is encrypted.
A key generation unit for generating an authentication key when a resident registration number of the purchaser is received from an app provided in a wireless terminal of the purchaser;
The authentication key and the MO receiving number generated by the key generating unit, wherein the MO receiving number means a receiving number for receiving a message from the wireless terminal of the purchaser in a message-oriented manner, A transmitting / receiving unit for receiving an authentication key from a specific wireless terminal by an MO system;
A comparing unit comparing a telephone number of the specific wireless terminal that transmitted the authentication key received in the MO system with a telephone number of the wireless terminal of the purchaser who transmitted the resident registration number of the purchaser; And
And a processing unit configured to process the authentication key generated by the key generation unit and the MO reception number to be transmitted to the application when the resident registration number of the purchaser is received from the wireless terminal of the purchaser,
Wherein,
The comparing unit compares the telephone number of the specific wireless terminal with the telephone number of the purchaser wireless terminal that transmitted the resident registration number of the purchaser and transmits the authentication key received from the specific wireless terminal to the wireless terminal of the purchaser And processes the payment for the purchase request of the purchaser if the one authentication key matches.
9. The method of claim 8,
Wherein,
And transmits a settlement processing for the buyer's purchase request by transmitting the resident registration number of the purchaser, mobile communication company information providing the mobile communication service to the mobile terminal, and the telephone number of the mobile terminal to the mobile communication company server, Device.
9. The method of claim 8,
Wherein,
And provides an input window for inputting a resident registration number to a buyer wireless terminal in a web page format when a payment service request based on the buyer's purchase request is received from the wireless terminal of the buyer.
9. The method of claim 8,
The transmitting /
The mobile terminal receives the mobile communication company information and the telephone number providing the mobile communication service to the specific wireless terminal together with the authentication key,
Wherein,
And transmits the mobile communication company information and the telephone number together with the resident registration number of the purchaser to the mobile communication company server to request payment processing for the purchase request of the purchaser.
9. The method of claim 8,
The key generation unit may generate,
Wherein the authentication key is arbitrarily generated using numbers or letters, or all or part of the resident registration number is encrypted and generated.
(a) outputting, on a display, an input window for receiving a resident registration number from the purchaser when a purchase request command for a specific commodity is input from a purchaser through an app provided in the wireless terminal;
(b) If the resident registration number of the purchaser is input through the input window, the service server in the app transmits the resident registration number and the telephone number of the wireless terminal to the server for providing the user authentication and settlement service ;
(c) an authentication key generated by the service server and an MO receiving number of the service server, wherein the MO receiving number is a receiving number for receiving a message from the wireless terminal in a message-oriented manner; Transmitting to the app;
(d) transmitting the authentication key from the application to the service server through an MO (Message Oriented) method;
(e) determining whether the telephone number of the wireless terminal transmitting the authentication key in the service server matches the telephone number of the wireless terminal transmitting the resident registration number;
(f) determining whether the received authentication key is identical to the authentication key transmitted to the mobile terminal, if it is determined in step (e) that the telephone numbers match; And
(g) processing the payment for the buyer's purchase request at the service server if it is determined at step (f) that the respective authentication keys match;
.
14. The method of claim 13,
The step (g)
If it is determined in step (e) that the authentication keys match, the resident registration number, the mobile communication company information providing the mobile communication service to the wireless terminal, and the telephone number of the wireless terminal are transmitted to the mobile communication company server, Requesting a payment processing for the request.
14. The method of claim 13,
(h) receiving payment approval information from the mobile communication company server at the service server and transmitting the payment approval information to the mobile terminal;
(i) outputting the payment approval information on the display unit at the wireless terminal;
Further comprising the step of:
14. The method of claim 13,
The step (a)
When a purchasing command for a specific commodity is inputted from the purchaser through the app, a payment service is requested to the service server, and an input window for inputting a resident registration number is provided in the form of a web page from the service server, .
14. The method of claim 13,
The step (c)
Wherein the service server generates the authentication key arbitrarily by using numbers or letters or encrypts all or a part of the resident registration number to generate the authentication key.
(a) outputting, on a display, an input window for receiving a resident registration number from the purchaser when a purchase request command for a specific commodity is input from a purchaser through an app provided in the wireless terminal;
(b) If the resident registration number of the purchaser is input through the input window, the service server in the app transmits the resident registration number and the telephone number of the wireless terminal to the server for providing the user authentication and settlement service ; And
(c) an authentication key from the service server and an MO receiving number of the service server, wherein the MO receiving number means a receiving number for receiving a message from the wireless terminal in a Message Oriented manner; Transmitting the encrypted key to the MO receiving number of the service server when the MO receiving number of the service server is received;
.
19. The method of claim 18,
The payment processing method includes:
(d) outputting, upon receipt of a payment processing result for the purchase request from the service server, a display;
Further comprising the step of:
19. The method of claim 18,
The app,
Wherein the payment information is an application for providing information on a product and processing a payment for a product selected by the purchaser.
19. The method of claim 18,
The authentication key includes:
A key arbitrarily generated by using a number or character, or a key in which all or part of a resident registration number is encrypted.
A computer-readable recording medium having recorded thereon a program for executing at least one of the methods of claims 18 to 21.
(a) an authentication key is generated when a resident registration number of the purchaser and a telephone number of the wireless terminal of the purchaser are received from an app provided to the purchaser's wireless terminal, and the authentication key and the MO receiving number of the service server, Transmitting a message to the application, the number being a reception number for receiving a message from the wireless terminal in an MO (Message Oriented) manner;
(b) determining whether the telephone number of the specific wireless terminal that transmitted the authentication key is identical to the telephone number of the wireless terminal of the purchaser who has transmitted the resident registration number when the authentication key is received in the MO mode;
(c) determining whether the authentication key transmitted from the specific wireless terminal matches the authentication key transmitted to the wireless terminal of the purchaser, if it is determined in step (b) that the telephone numbers match; And
(d) processing the settlement for the buyer's purchase request if it is determined in step (c) that the respective authentication keys match;
.
24. The method of claim 23,
The step (a)
Wherein the authentication key is arbitrarily generated using numbers or letters, or all or part of the resident registration number is encrypted and generated.
24. The method of claim 23,
The step (d)
The mobile communication company providing mobile communication service to the wireless terminal of the purchaser and the telephone number of the wireless terminal of the purchaser to the mobile communication company server, And requests payment processing for the purchase request.
24. The method of claim 23,
The payment processing method includes:
(e) receiving payment approval information from the mobile communication company server and transmitting the payment approval information to the mobile terminal;
Further comprising the step of:

Images