KR20140135461A - Payment processing system, device and method - Google Patents

Payment processing system, device and method Download PDF

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Publication number
KR20140135461A
KR20140135461A KR1020130055748A KR20130055748A KR20140135461A KR 20140135461 A KR20140135461 A KR 20140135461A KR 1020130055748 A KR1020130055748 A KR 1020130055748A KR 20130055748 A KR20130055748 A KR 20130055748A KR 20140135461 A KR20140135461 A KR 20140135461A
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South Korea
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wireless terminal
purchaser
payment
telephone number
service server
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KR1020130055748A
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Korean (ko)
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김택규
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인포뱅크 주식회사
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Priority to KR1020130055748A priority Critical patent/KR20140135461A/en
Publication of KR20140135461A publication Critical patent/KR20140135461A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3827—Use of message hashing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The payment processing system according to the present invention provides a shopping mall service, and is provided with a telephone number (hereinafter, referred to as 'first telephone number') of a wireless terminal to be used for payment from a purchaser who purchases a specific commodity through a shopping mall page, Payment ID, where the payment ID is a pre-registered ID for identifying the buyer, and when the buy command of the buyer is input, the authentication key and the MO receiving number are transmitted through the shopping mall page, A service server for providing a reception number for receiving a message from a terminal in an MO scheme; And a wireless terminal for receiving the authentication key and the MO reception number from the purchaser and transmitting the authentication key to the service server in an MO mode, Number and the settlement ID are registered in advance and the telephone number (hereinafter, referred to as 'second telephone number') of the wireless terminal which transmitted the authentication key in the MO system matches the first telephone number, and the MO And the service server processes the payment for the purchase command of the purchaser if the authentication key received from the wireless terminal matches the authentication key transmitted to the wireless terminal, and the service server transmits an application capable of accessing the service server to at least one wireless terminal A phone number is received and stored, and a symmetric key request for encrypting the resident registration number of the purchaser from the mobile terminal is received from the app A symmetric key is generated and transmitted to the application, and a cipher text in the MO mode, wherein the cipher text is the one encrypted with the symmetric key using the resident registration number input by the buyer, Determining whether the telephone number of the wireless terminal that has transmitted the ciphertext matches the telephone number of the wireless terminal requesting the symmetric key, And matches and stores the resident registration number of the purchaser with the telephone number of the wireless terminal.

Description

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

The present invention relates to a settlement processing system, an apparatus, a method, and a recording medium. More particularly, the present invention relates to a settlement processing system, an apparatus, a method, and a recording medium for processing a settlement using a resident registration number of a buyer and a number of a buyer wireless terminal And to a payment processing system, apparatus, and method.

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 after the user inputs the authentication number into the electronic commerce site to perform the authentication. Therefore, the user has a disadvantage in that it takes a lot of time to purchase a specific commodity using the conventional authentication and payment method.

In particular, in order for a user to authenticate and make a payment using a credit card or a mobile, various information such as a user's resident registration number, a phone number of a wireless terminal to be authenticated, information on a mobile communication company in use, There arises a problem that various information of the user can be exposed to the outside.

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.

In order to solve the above problems, an object of the present invention is to provide a settlement processing system for processing settlement for purchase of goods using a resident registration number of a buyer and a telephone number of a buyer wireless terminal when a purchase request is received from a buyer connected to a shopping mall page, An apparatus, and a method.

The payment processing system according to the present invention provides a shopping mall service, and is provided with a telephone number (hereinafter, referred to as 'first telephone number') of a wireless terminal to be used for payment from a purchaser who purchases a specific commodity through a shopping mall page, Payment ID, where the payment ID is a pre-registered ID for identifying the buyer, and when the buy command of the buyer is input, the authentication key and the MO receiving number are transmitted through the shopping mall page, A service server for providing a reception number for receiving a message from a terminal in an MO scheme; And a wireless terminal for receiving the authentication key and the MO reception number from the purchaser and transmitting the authentication key to the service server in an MO mode, Number and the settlement ID are registered in advance and the telephone number (hereinafter, referred to as 'second telephone number') of the wireless terminal which transmitted the authentication key in the MO system matches the first telephone number, and the MO And the service server processes the payment for the purchase command of the purchaser if the authentication key received from the wireless terminal matches the authentication key transmitted to the wireless terminal, and the service server transmits an application capable of accessing the service server to at least one wireless terminal A phone number is received and stored, and a symmetric key request for encrypting the resident registration number of the purchaser from the mobile terminal is received from the app A symmetric key is generated and transmitted to the application, and a cipher text in the MO mode, wherein the cipher text is the one encrypted with the symmetric key using the resident registration number input by the buyer, Determining whether the telephone number of the wireless terminal that has transmitted the ciphertext matches the telephone number of the wireless terminal requesting the symmetric key, And matches and stores the resident registration number of the purchaser with the telephone number of the wireless terminal.

The settlement processing apparatus according to the present invention is a settlement processing apparatus according to the present invention, in which a telephone number (hereinafter referred to as a 'first telephone number') of a wireless terminal to be used by a buyer for payment from a buyer via a shopping mall page, A key generation unit for generating an authentication key when the buyer's purchase command is received; A storage unit for storing the resident registration number of the purchaser and the telephone number of the wireless terminal previously used by the purchaser for payment; A transmission / reception unit for providing the authentication key generated by the key generation unit through the shopping mall page and receiving an authentication key from the wireless terminal in an MO (Message Oriented) manner; A comparison unit comparing the telephone number of the wireless terminal transmitting the authentication key (hereinafter, referred to as 'second telephone number') with the first telephone number; And a processing unit for processing the authentication key generated by the key generation unit to be provided through the shopping mall page when the first phone number, the payment ID, and the purchase order of the buyer are received through the shopping mall page, The processing unit may be configured such that the first telephone number and the payment ID are registered in advance in the storage unit, the second telephone number of the wireless terminal that has transmitted the authentication key in the MO system matches the first telephone number, If the authentication key received by the MO method matches the authentication key transmitted to the wireless terminal, the processing unit processes the payment for the purchase command. The storage unit stores the phone number, which is identification information of at least one wireless terminal installed with the application, The symmetric key is a key for generating a cipher text in which the resident registration number entered by the buyer is encrypted. The transmitting and receiving unit transmits the symmetric key generated by the key generating unit to an app provided in the wireless terminal and receives a cipher text from a specific wireless terminal in the MO system, Wherein the symmetric key request is received from the wireless terminal of the buyer when the symmetric key request is received from the wireless terminal of the buyer, and the processing unit compares the phone number of the specific wireless terminal that transmitted the cipher text received through the transmitter / The comparison unit compares the telephone number of the specific wireless terminal with the telephone number of the purchaser wireless terminal requesting the symmetric key, The purchaser is determined to be a valid user.

The payment processing method according to the present invention is characterized in that (a) when a resident registration number of the purchaser is inputted from a purchaser through an app provided in a wireless terminal, the service server in the app provides the service corresponding to the app Requesting a symmetric key for encrypting the resident registration number as a server; (b) generating a symmetric key in the service server and transmitting the symmetric key to the wireless terminal; (c) generating a ciphertext in which the application encrypts the resident registration number using the symmetric key, and transmitting the ciphertext to the service server in an MO manner; (d) determining whether the telephone number of the wireless terminal that transmitted the cipher text matches the telephone number of the wireless terminal that requested the symmetric key in the service server; (e) judging that the purchaser is a valid user in the service server and storing the resident registration number of the purchaser and the telephone number of the mobile terminal in a matching manner if it is determined in step (d) that the telephone numbers match; (f) a telephone number (hereinafter, referred to as 'first telephone number') of a wireless terminal to be used by the buyer for payment at a terminal of the buyer accessing a shopping mall page provided by the service server, , The payment ID is a pre-registered ID for identifying the buyer, and transmitting the purchase command to the service server by receiving the purchase command; (g) generating an authentication key in the service server and indicating 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 the MO mode, ; (h) receiving the authentication key from the purchaser at the wireless terminal and transmitting the authentication key to the service server in a message orientated manner; (i) if the service server determines that the first telephone number and the payment ID received from the wireless terminal have been registered in advance, the telephone number of the wireless terminal transmitting the authentication key (hereinafter, Determining whether the first telephone number matches the first telephone number; (j) determining whether the authentication key transmitted in the MO method matches the authentication key transmitted to the mobile terminal, if it is determined in step (i) that the respective telephone numbers match; And (k) processing the payment for the buyer's purchase order at the service server if it is determined that the respective authentication keys match in the step (j).

A payment processing method according to the present invention comprises the steps of: (a) receiving a symmetric key for encrypting a resident registration number of a purchaser from an app provided in a wireless terminal; (b) generating a symmetric key and transmitting the symmetric key to the wireless terminal; (c) receiving a cipher text encrypted with the resident registration number from the application in an MO manner; (d) determining whether the telephone number of the wireless terminal transmitting the encrypted text matches the telephone number of the wireless terminal requesting the symmetric key; (e) if it is determined in step (d) that the respective telephone numbers match, storing the resident registration number of the purchaser as a valid user and storing the telephone number of the wireless terminal in a matching manner; (f) a telephone number (hereinafter, referred to as 'first telephone number') of a wireless terminal to be used for payment by the buyer from the terminal of the buyer connected to the shopping mall page, a payment ID of the buyer, And an MO reception number, wherein the MO reception number is a reception number for receiving a message from the wireless terminal in the MO system, Providing the shopping mall page together with the shopping mall page; (g) receiving the authentication key from the wireless terminal of the purchaser in a Message Oriented manner; (h) If it is determined that the first telephone number and the payment ID are registered in advance, the telephone number of the wireless terminal that transmitted the authentication key (hereinafter referred to as a second telephone number) Determining whether or not they match; (i) determining whether the authentication key transmitted in the MO method matches the authentication key transmitted to the mobile terminal, if it is determined in step (h) that the telephone numbers match; And (j) processing the payment for the buyer's purchase order at the service server if it is determined in step (i) that the respective authentication keys match.

According to the present invention, the settlement process to be performed by the purchaser can be simplified by allowing only the resident registration number of the purchaser and the number of the purchaser wireless terminal to be settled, and the effect of preventing the personal information of the purchaser from being exposed to the outside have.

In addition, the authentication of the purchaser's wireless terminal is performed by using the one-time key and the MO message to confirm the purchaser, thereby enhancing the reliability of the payment 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 an authentication 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 authentication and 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 diagram illustrating an example of a process of processing authentication and payment according to the second embodiment of the present invention.
9 is a diagram showing a configuration of an authentication processing system according to the 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 authentication and settlement 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 authentication and settlement according to the fourth embodiment of the present invention.
16 is a diagram showing a configuration of an authentication processing system according to a fifth embodiment of the present invention.
17 is a diagram showing a configuration of a purchaser terminal according to a fifth embodiment of the present invention.
18 is a diagram showing a configuration of a purchaser wireless terminal according to a fifth embodiment of the present invention.
19 is a diagram illustrating a configuration of a service server according to a fifth embodiment of the present invention.
20 is a view for explaining an example of a process of processing authentication and payment according to the fifth embodiment of the present invention.
21 is a view for explaining an example of a process of processing a payment according to an embodiment of the present invention.
22 is a view for explaining an example of a process of processing a payment according to another embodiment of the present invention.
23 is a view for explaining an example of a process of processing a payment according to another 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 an authentication processing system according to a first embodiment of the present invention.

Referring to FIG. 1, an authentication processing system according to a 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 a service corresponding to an app provided in the buyer wireless terminal 100 and processing authentication for the buyer. In the first embodiment of the present invention, Provides the shopping information through the app, and processes the settlement process according to the buyer's purchase request through the mobile communication company server 500. [ 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.

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 when the cipher text is received from the purchaser wireless terminal 100 in the MO mode And transmits the decrypted resident registration number decrypted using the one-time symmetric key to the mobile communication company server 500 to request the payment processing for the purchase request of the buyer when the telephone numbers match each other do. Here, if the service server 300 determines that the telephone numbers match, the purchaser determines that the user is a valid user and requests the mobile communication company server 500 for payment processing for the purchase request of the buyer.

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 application. In the embodiment of the present invention, the display unit 130 outputs the shopping related information provided from the service server 300 and the authentication and 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 wireless terminal installed with the mobile shopping app. In the embodiment of the present invention, the 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 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 scheme through the comparison unit 350 matches the telephone number of the purchaser wireless terminal 100 that requested the symmetric key, If the telephone numbers match each other, the mobile communication company server 500 decrypts the cipher text received by the MO method using the one-time symmetric key, and then requests the mobile communication company server 500 for payment processing for the purchase request of the purchaser. Here, if the telephone numbers match each other, the server-side processing unit 360 determines that the purchaser is a valid user, and transmits a payment amount corresponding to the buyer's purchase request to the mobile communication company server 500 to request the payment processing.

FIG. 4 is a diagram illustrating an example of a process of processing authentication and 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.

Then, 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) The cipher text received by the MO method is decrypted with the single-use symmetric key to extract the resident registration number (S443). At this time, if it is determined that the telephone number of the wireless terminal that transmitted the cipher text matches the telephone number of the wireless terminal that requested the symmetric key, the service server 300 determines that the purchaser is a valid user and stores the resident registration number of the purchaser and the telephone number of the wireless terminal And stores it in the server-side storage unit 320. FIG.

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 unit 710 receives the resident registration number and the payment request from the buyer wireless terminal 600 connected through 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 comparing 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 buyer wireless terminal 600 that transmitted the cipher text in the MO scheme through the comparison unit 750 matches the telephone number of the buyer 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 mode with the one-time authentication key generated in the purchaser wireless terminal 600 in response to the authentication key request .

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. In other words, the server-side processing unit 760 transmits the authentication key to the server-side processing unit 760 in response to the MO-type authentication key, which matches the phone number of the buyer wireless terminal 600, If the one-time authentication keys generated at the purchaser wireless terminal 600 match with each other, the purchaser determines that the user is a valid user and requests the mobile communication company server 500 to perform settlement for the purchase request of the purchaser.

8 is a diagram illustrating an example of a process of processing authentication and payment according to the 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 input from the purchaser through the input window (S815), the purchaser wireless terminal 600 transmits the resident registration number input by the purchaser 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). At this time, if it is determined that the authentication key received from the purchaser wireless terminal 600 matches the one-time authentication key generated upon the authentication key request from the purchaser wireless terminal 600, the service server 700 determines that the purchaser is a valid user Stores the resident registration number of the purchaser and the telephone number of the wireless terminal in the server-side storage unit 720.

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).

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

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

9, the authentication 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.

The service server 930 processes the authentication for the purchaser and the payment process according to the purchase request of the purchaser. In the third embodiment of the present invention, When a payment service request is received, a menu for payment is provided in a web page format. 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 of the purchaser wireless terminal 910, which has transmitted the cipher text in the MO mode, to the purchaser wireless terminal 910 that transmitted the resident registration number Compares the telephone numbers, and judges the buyer as a valid user when the telephone numbers match each other. If the service server 930 determines that the numbers match, the service server 930 decrypts the decrypted ciphertext received by the MO method using the one-time symmetric key, and transmits the decrypted resident registration number 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 outputs 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 authentication and payment process according to the payment request of the purchaser .

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 purchaser wireless terminal 910 that transmitted the cipher text in the MO system through the comparison unit 935 matches the telephone number of the purchaser wireless terminal 910 that transmitted the resident registration number 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 950 to perform settlement processing for the buyer's purchase request. Here, if the telephone numbers match each other, the server-side processing unit 936 determines that the purchaser is a valid user, and transmits a payment 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 authentication and 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). At this time, if it is determined in step S1241 that the telephone numbers match, the service server 930 determines that the purchaser is a valid user, matches the resident registration number of the purchaser with the telephone number of the wireless terminal, and stores the same in the server-

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 transmitter / receiver 1410 receives the resident registration number and the settlement request from the buyer wireless terminal 1300 connected via the communication network, and transmits the one-time authentication key to the buyer 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 valid user. 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. In other words, the server-side processing unit 1460 transmits the authentication key received from the MO system and the telephone number of the purchaser's wireless terminal 1300 that has transmitted the resident registration number to the telephone number of the purchaser's wireless terminal 1300, If the one-time authentication keys generated when the resident registration number is received from the purchaser wireless terminal 1300 are identical to each other, the purchaser is determined to be a valid user, and the mobile communication company server 950 requests payment processing for the purchase request of the purchaser.

15 is a view for explaining an example of a process of processing authentication and settlement 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). At this time, if it is determined 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 950 determines that the purchaser is a valid user Stores the resident registration number of the purchaser and the telephone number of the wireless terminal in the server side storage unit 952.

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).

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

16 is a diagram showing a configuration of an authentication processing system according to a fifth embodiment of the present invention.

16, the authentication processing system according to the fifth embodiment of the present invention includes a purchaser terminal 1610, a purchaser wireless terminal 1620, a service server 1630, an MO service server 1640, and a mobile communication company server 1650 ).

The purchaser terminal 1610 is a terminal used by the purchaser and capable of transmitting and receiving data to and from the service server 1630 through a communication network and is connected to the service server 1630 through a web browser provided in the fifth embodiment of the present invention And receives a shopping mall page for purchasing goods from the service server 1630 and outputs the shopping mall page on the screen. Here, the buyer terminal 1610 is preferably a communication device such as a PC, a notebook, a tablet, or the like, which can be connected to the service server 1630 through the communication network in a web manner.

The purchaser terminal 1610 outputs a telephone number input window for receiving the telephone number of the purchaser wireless terminal 1620 when a purchase command for a specific commodity is input from the purchaser, And transmits it to the service server 1630 together with the purchase information on the product that the buyer intends to purchase. Here, the buyer terminal 1610 preferably receives a telephone number input window page from the service server 1630.

The purchaser wireless terminal 1620 is a terminal possessed by the purchaser and capable of transmitting and receiving data with the service server 1630 through a communication network. In the fifth embodiment of the present invention, the purchaser wireless terminal 1620 is connected to the service server 1630, And an authentication app for processing payment for the product.

The purchaser wireless terminal 1620 outputs an input window for inputting the resident registration number of the purchaser when receiving the authentication application activation request from the service server 1630, receives the resident registration number from the purchaser through the input window, send. At this time, it is preferable that the purchaser wireless terminal 1620 receives the authentication application activation request in the push message mode.

In addition, the purchaser wireless terminal 1620 transmits the received authentication key to the service server 300 when the authentication key is received from the service server 1630. At this time, it is preferable that the purchaser's wireless terminal 1620 transmits the authentication key through the MO service server 1640 providing the MO (Message Oriented) service. 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 service server 1630 is a server that provides a shopping mall service for providing product information in a web page manner and authentication and settlement in accordance with product purchase. In the first embodiment of the present invention, product information is provided to the buyer terminal 1610 And transmits a message for purchaser authentication with the purchaser wireless terminal 1620 to process the authentication of the purchaser. Here, the service server 300 preferably receives and stores a telephone number, which is identification information for identifying the buyer wireless terminal 1620, from the buyer wireless terminal 1620 when the authentication app is installed in the buyer wireless terminal 1620 Do.

In addition, the service server 1630 receives the phone number and the purchase information from the purchaser terminal 1610 connected to the shopping mall page, and transmits the authentication application to the buyer wireless terminal 1620 to process the buyer authentication with the purchaser wireless terminal 1620 Lt; / RTI > At this time, the service server 1630 transmits the authentication application activation request in the push message format.

When the resident registration number of the purchaser entered by the purchaser is received through the authentication application provided in the purchaser wireless terminal 1620, the service server 1630 generates a one-time authentication key for authenticating the purchaser and transmits it to the purchaser wireless terminal 1630 And transmits it to the provided in-app application.

When the authentication key is received from the purchaser wireless terminal 1610 through the MO method, the service server 1630 transmits the telephone number of the purchaser wireless terminal 1610 that transmitted the authentication key to the telephone of the purchaser wireless terminal 1610 that transmitted the resident registration number If the telephone numbers match each other, it is determined whether the authentication key received in the MO method matches the authentication key transmitted to the authentication app provided in the buyer wireless terminal 1610. [ If it is determined that the authentication key received by the MO method matches the authentication key transmitted to the authentication app provided in the purchaser wireless terminal 1610, the service server 1630 determines that the purchaser is a valid user, ) To request payment processing for the buyer's purchase request. At this time, the service server 1630 can transmit the authentication result to the buyer terminal 1610 and the buyer wireless terminal 1620, which is determined that the buyer is a good user.

The MO service server 1640 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, and receiving a reply to the message using a message. In the fifth embodiment of the present invention, And transmits the authentication key sent by the purchaser wireless terminal 1620 to the service server 1630 in the MO mode.

The mobile communication company server 1650 is a server for processing payment for a payment request received from the service server 1630 through a communication network. In the fifth 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 1630. 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.

17 is a diagram showing a configuration of a purchaser terminal according to a fifth embodiment of the present invention.

17, the purchaser terminal 1610 includes a terminal side storage unit 1611, a terminal side transceiver unit 1612, a display unit 1613, a terminal side processing unit 1616, and a terminal for controlling the respective components Side control unit 1617. [

The terminal side storage unit 1611 stores an OS for operating the buyer terminal 1610 and at least one or more apps. In the embodiment of the present invention, a shopping mall page provided by the service server 1630 is displayed on the screen It is preferable that the web browser is stored.

The terminal side transmission / reception unit 1612 transmits / receives data to / from a device connectable via a communication network. In the embodiment of the present invention, the terminal side transmission / reception unit 1612 transmits the telephone number and purchase information of the purchaser wireless terminal 1620 to the service server 1630, The server 1630 receives the buyer authentication result and the settlement result.

The terminal side processing unit 1616 outputs an input window to the display unit 1613 so that the purchaser can input the telephone number of the buyer wireless terminal 1610 being used by the buyer when a purchase request command for a specific commodity is input from the buyer.

The terminal side processing unit 1616 transmits the resident registration number to the service server 1630 through the terminal side transceiver unit 1616 when the telephone number of the purchaser wireless terminal 1610 is inputted through the input window.

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

18, the purchaser wireless terminal 1620 includes a wireless terminal side storage unit 1621, a wireless terminal side transmission / reception unit 1622, a display unit 1623, a message transmission unit 1625, a wireless terminal side processing unit 1626 And a wireless-terminal-side control unit 1627 for controlling the respective components.

The wireless terminal side storage unit 1621 stores an OS and at least one application for operating the purchaser wireless terminal 1620. In the embodiment of the present invention, It is preferable that the app is stored.

The wireless terminal side transceiver unit 1622 transmits and receives data to and from devices connectable through a communication network. In the embodiment of the present invention, the purchaser's resident registration number is transmitted to the service server 1650, And receives the authentication key from the server.

The message transmission unit 1625 generates an SMS message including the authentication key transmitted from the service server 1630 and transmits the SMS message to the service server 1630 through the MO service server 1640 in the MO mode. Here, the message transmission unit 1625 receives the MO message reception address of the service server 1630 from the authentication application and transmits a message including the authentication key to the corresponding address to the service server 1630.

Upon reception of the authentication application activation request from the service server 1630 via the wireless terminal side transceiver unit 1622, the wireless terminal side processing unit 1626 drives the authentication application stored in the wireless terminal side storage unit 1621 and transmits the resident registration number of the purchaser And outputs an input window for receiving an input to the display unit 1623. [

In addition, when the resident registration number of the purchaser is input through the input window, the wireless terminal side processing unit 1626 transmits the resident registration number to the service server 1630 through the wireless terminal side transceiver unit 1626.

When the authentication key is received from the service server 1630, the wireless terminal side processing unit 1626 transmits the authentication key received through the message transmission unit 1625 to the service server 1630 in the MO mode.

19 is a diagram illustrating a configuration of a service server according to a fifth embodiment of the present invention.

19, the service server 1630 includes a server side transmission / reception unit 1631, a server side storage unit 1632, a key generation unit 1633, a comparison unit 1635, a server side processing unit 1636, And a server-side control unit 1637 for controlling the constituent units of the server.

The server side transmission / reception unit 1631 receives the telephone number of the purchaser wireless terminal 1610 from the buyer terminal 1610 connected through the communication network and purchase information according to the purchase request of the buyer.

In addition, the server-side transmitter-receiver unit 1631 receives the resident registration number from the buyer wireless terminal 1620 connected via the communication network and transmits the one-time authentication key to the buyer wireless terminal 1620.

The server side transmitter / receiver 710 receives a message including the authentication key from the purchaser wireless terminal 600 in the MO system.

The server-side storage unit 1632 stores the telephone number, which is identification information of the purchaser wireless terminal 1620, when the authenticated app is installed in the purchaser wireless terminal 1620, and stores the telephone number generated by the key generator 630 The one-time authentication key is matched with the telephone number of the purchaser wireless terminal 1620 and stored. Here, the server-side storage unit 1632 may store and store the one-time authentication key, the telephone number of the purchaser wireless terminal 1620, and the resident registration number received through the server-side transmission / reception unit 1610.

The key generation unit 1633 is a device for generating a one-time authentication key for the purchaser authentication process when it receives the resident registration number of the purchaser entered by the purchaser for the purchaser authentication from the purchaser's wireless terminal 1620. 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 1635 compares the telephone number of the purchaser wireless terminal 1620 that transmitted the authentication key in the MO system with the telephone number of the purchaser wireless terminal 1620 that transmitted the resident registration number.

Also, the comparing unit 1635 compares the authentication key received from the purchaser wireless terminal 1620 in the MO mode with the one-time authentication key transmitted to the purchaser wireless terminal 1635.

The server-side processing unit 1636 receives the telephone number and the purchase information from the buyer terminal 1610 connected to the shopping mall page, and activates the authentication application with the buyer wireless terminal 1620 to process the buyer authentication with the buyer wireless terminal 1620 request.

The server-side processing unit 1636 compares the telephone number of the purchaser wireless terminal 1620 that transmitted the authentication key with the MO method through the comparison unit 1635 and the telephone number of the purchaser wireless terminal 600 that requested the authentication key If the telephone numbers match each other, the comparison unit 1635 compares the authentication key received from the purchaser wireless terminal 1620 in the MO mode and the one-time authentication key generated in the buyer wireless terminal 1620 in response to the authentication key request .

If the authentication key received from the purchaser wireless terminal 1610 and the one-time authentication key transmitted to the purchaser wireless terminal 1610 match each other, the server-side processing unit 1636 transmits the authentication information to the mobile communication company server 1650, And requests payment processing for the purchase request. In other words, the server-side processing unit 1636 transmits to the server-side processing unit 1636 a message indicating that the telephone number of the purchaser wireless terminal 1610 that transmitted the authentication key in the MO system matches the telephone number of the purchaser wireless terminal 600 that transmitted the resident registration number, And the one-time authentication key transmitted to the purchaser wireless terminal 600 are identical to each other, the purchaser is determined to be a valid user.

20 is a view for explaining an example of a process of processing authentication and payment according to the fifth embodiment of the present invention. Here, for convenience of explanation, it is assumed that the buyer accesses the shopping mall page provided by the service server 1630 through the buyer terminal 1610 and purchases a specific commodity on the shopping mall page.

20, when a buyer terminal 1610 receives a purchase command for a specific commodity from the purchaser (S2001), an input window for receiving a phone number of the purchaser terminal 1610 being used by the purchaser from the purchaser is displayed on the display unit 1610. [ (Step S2001).

Then, when the telephone number of the buyer terminal 1610 is inputted from the buyer through the input window (S2005), the buyer wireless terminal 1610 transmits the telephone number of the buyer terminal 1610 inputted by the buyer to the service server 1630 (S2006). At this time, the buyer wireless terminal 1610 transmits purchase information about the goods to be purchased by the buyer together with the service server 1630.

Then, the service server 1630 requests the purchaser wireless terminal 1620 to operate the authentication app provided in the buyer wireless terminal 1620 (S2010).

Then, the buyer wireless terminal 1610 outputs an input window for receiving the resident registration number from the buyer to the display unit 1613 (S2013), and transmits the resident registration number input by the buyer through the input window to the service server 1630 ( S2017).

Then, the service server 1630 generates a one-time authentication key (S2020), and transmits the generated authentication key to the purchaser wireless terminal 1610 (S2023). At this time, the service server 1630 stores the one-time authentication key generated by the key generation unit 1633 and the resident registration number by matching with the telephone number of the transmitting wireless terminal 1620.

Then, the buyer wireless terminal 1620 generates an SMS message including the authentication key and transmits the authentication key to the service server 1630 in the MO mode (S2030). Here, the purchaser wireless terminal 1620 may process the message including the authentication key according to the OS so as not to be output to the display unit 1613, and transmit the authentication key to the service server 1630.

Next, the service server 1630 compares the telephone number of the purchaser wireless terminal 1620 that transmitted the authentication key with the telephone number of the purchaser wireless terminal 1620 that transmitted the resident registration number (S2040), and determines whether the telephone numbers match (S2041). If it is determined that the telephone numbers match, the authentication key received from the purchaser wireless terminal 1620 is compared with the one-time authentication key transmitted to the purchaser wireless terminal 1620 (S2043).

Then, it is determined whether the authentication key received from the purchaser wireless terminal 1620 matches the one-time authentication key transmitted to the purchaser wireless terminal 1620 (S2045).

If it is determined in step S2045 that the authentication key received from the purchaser's wireless terminal 1620 matches the one-time authentication key transmitted to the purchaser's wireless terminal 1620, the service server 1630 transmits the resident registration number to the mobile communication company server 1650 And transmits the mobile communication company information and the telephone number of the wireless terminal 100 of the purchaser to request payment processing (S2046). At this time, if it is determined that the authentication key received from the purchaser wireless terminal 1620 matches the one-time authentication key transmitted to the purchaser wireless terminal 1620, the service server 1650 determines that the purchaser is a valid user and transmits the resident registration number Stores the telephone numbers of the wireless terminals in the server-side storage unit 1622. The service server 1630 transmits the authentication result to the purchaser terminal 1610 and the purchaser wireless terminal 1620 (S2047). The purchaser terminal 1610 and the purchaser wireless terminal 1620, which have received the authentication result, (S2048, S2049).

Then, the mobile communication company server 1650 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 1620 received together with the payment request from the service server 1630, If the purchaser is a valid purchaser, the purchaser processes the payment for the amount to be paid (S2060), and transmits the payment approval information to the service server 1630 (S2063).

Next, the service server 1630 confirms the payment approval information received from the mobile communication company server 1650 and transmits the payment processing result including the payment approval information to the buyer terminal 1610 and the buyer wireless terminal 1620 (S2070 ).

Then, the buyer terminal 1610 and the buyer wireless terminal 1620 output the payment result received through the step S2070 (S2075, S2080), so that the buyer can confirm the payment result.

21 is a view for explaining an example of a process of processing a payment according to an embodiment of the present invention. Here, for convenience of explanation, the resident registration number of the purchaser and the telephone number of the wireless terminal used for authentication and payment are matched and stored in the service server according to the authentication and payment procedure according to the first to fourth embodiments Assumption will be described below.

Referring to FIG. 21, the service server receives a payment request according to a purchasing command for a specific commodity of a buyer from an app provided in the purchaser wireless terminal (S2110). At this time, the service server receives the telephone number of the wireless terminal to be used for settlement by the buyer.

Then, the service server generates a one-time authentication key using the key generation unit (S2120), and transmits the one-time authentication key and the MO reception number of the service server to the app included in the buyer wireless terminal (S2130). At this time, the app provided to the purchaser wireless terminal generates an SMS message including the authentication key received from the service server, and transmits the authentication key to the service server corresponding to the MO receiving number using the MO method.

Then, the service server receives the MO message including the authentication key from the purchaser wireless terminal (S2140), and the telephone number of the purchaser wireless terminal is transmitted through the processing unit to the pre-authentication and settlement process like the first to fourth embodiments (S2150). ≪ / RTI >

If it is determined in step S2150 that the telephone number of the purchaser wireless terminal is a previously registered number, the service server determines whether the telephone number of the wireless terminal that transmitted the MO message through the comparison unit matches the telephone number of the purchaser wireless terminal (S2160).

If it is determined in step S2160 that the telephone number of the wireless terminal transmitting the MO message matches the telephone number of the purchaser wireless terminal, the service server transmits the authentication key included in the MO message and the authentication key (Step S2170).

If it is determined in step S2170 that the authentication key included in the MO message matches the authentication key transmitted to the purchaser's wireless terminal through the comparison unit, the service server requests the mobile communication company server to perform a payment process according to the buyer's purchase command And receives payment approval information from the mobile communication company server (S2180).

Then, the service server transmits the payment result including the payment approval information to the buyer wireless terminal (S2190).

22 is a view for explaining an example of a process of processing a payment according to another embodiment of the present invention. Here, for convenience of explanation, the resident registration number of the purchaser and the telephone number of the wireless terminal used for authentication and payment are matched and stored in the service server according to the authentication and payment procedure according to the first to fourth embodiments Assumption will be described below. For convenience of explanation, it is assumed that the purchaser first registers the payment ID for identifying the purchaser at the time of authentication and payment at the service server.

Referring to FIG. 22, the service server receives a payment request according to a purchasing command for a specific commodity of a buyer from an app provided in the purchaser wireless terminal (S2210). At this time, the service server receives the telephone number of the wireless terminal to be used by the buyer for payment and the payment ID of the buyer.

Then, the service server generates a one-time authentication key using the key generation unit (S2220), and transmits the one-time authentication key and the MO reception number of the service server to the app provided in the buyer wireless terminal (S2230). At this time, the app provided to the purchaser wireless terminal generates an SMS message including the authentication key received from the service server, and transmits the authentication key to the service server corresponding to the MO receiving number using the MO method.

Then, the service server receives the MO message including the authentication key from the purchaser wireless terminal (S2240), and transmits the MO message to the service server through the processing unit in the same manner as the first embodiment to the fourth embodiment (S2250). ≪ / RTI >

If it is determined that the telephone number of the purchaser wireless terminal is a number registered through the authentication and payment process in advance, as in the first to fourth embodiments, the payment ID received through step S2210 is the same as in the first to fourth embodiments It is determined whether it is a registered payment ID through the authentication and payment process in advance (step S2253).

If it is determined in step S2253 that the payment ID received through step S2210 is the registered payment ID, the service server determines whether the phone number of the wireless terminal that transmitted the MO message through the comparison unit and the phone number of the purchaser wireless terminal match (S2260).

If it is determined in step S2260 that the telephone number of the wireless terminal transmitting the MO message matches the telephone number of the purchaser wireless terminal, the service server transmits the authentication key included in the MO message and the authentication key (Step S2270).

If it is determined in step S2270 that the authentication key included in the MO message matches the authentication key transmitted to the purchaser's wireless terminal through the comparison unit, the service server requests the mobile communication company server to perform the payment processing according to the buyer's purchase command And receives payment approval information from the mobile communication company server (S2280).

Subsequently, the service server transmits the payment result including the payment approval information to the buyer wireless terminal (S2290).

23 is a view for explaining an example of a process of processing a payment according to another embodiment of the present invention. Here, for convenience of explanation, the resident registration number of the purchaser and the telephone number of the wireless terminal used for authentication and payment are matched and stored in the service server according to the authentication and payment procedure according to the first to fourth embodiments Assumption will be described below. For convenience of explanation, it is assumed that the purchaser first registers the payment ID for identifying the purchaser at the time of authentication and payment at the service server.

Referring to FIG. 23, the service server receives a settlement request according to a buy command for a specific commodity from a buyer terminal connected to a web page to use a shopping mall service provided by the service server (S2310). At this time, the service server receives the telephone number of the wireless terminal to be used by the buyer for payment and the payment ID of the buyer.

Then, the service server generates a one-time authentication key using the key generation unit (S2220), and transmits the one-time authentication key and the MO reception number of the service server to the app provided in the buyer wireless terminal (S2230). At this time, the authentication key received from the service server and the MO receiving number of the service server are displayed on the web page accessed by the purchaser terminal, and the purchaser sets the MO receiving number displayed on the web page as the receiver and transmits the SMS message containing the authentication key And transmits it to the service server.

Then, the service server receives the MO message including the authentication key from the purchaser wireless terminal (S2340), and transmits the MO message to the service server through the processing unit in the same manner as the first embodiment through the fourth embodiment (S2350). ≪ / RTI >

If it is determined that the telephone number of the purchaser wireless terminal is a number registered through the authentication and payment process in advance, as in the first to fourth embodiments, the payment ID received through step S2310 is the same as the first to fourth embodiments It is determined whether it is the registered payment ID through the authentication and payment process in advance as in the fourth embodiment (S2353).

If it is determined in step S2353 that the payment ID received through step S2310 is the registered payment ID, the service server determines whether the phone number of the wireless terminal that transmitted the MO message through the comparison unit and the phone number of the purchaser wireless terminal match (S2360).

If it is determined in step S2360 that the telephone number of the wireless terminal transmitting the MO message matches the telephone number of the purchaser wireless terminal, the service server transmits the authentication key included in the MO message and the authentication key (S2370).

If it is determined in step S2370 that the authentication key included in the MO message matches the authentication key transmitted to the purchaser's wireless terminal through the comparison unit, the service server requests the mobile communication company server to perform the payment processing according to the buyer's purchase command And receives payment approval information from the mobile communication company server (S2380).

Subsequently, the service server transmits the settlement result including the settlement approval information to the buyer wireless terminal (S2390).

100: Buyer terminal 110: Wireless terminal side storage unit
120: wireless terminal side transceiver unit 130:
140: encryption unit 150: message transmission unit
160: wireless terminal side processing unit 170 wireless terminal side control unit
300: service server 310: server side transmission /
320: server side storage unit 330: key generation unit
350: comparison unit 360: server side processing unit
370: Server-side control unit
400: MO service server 500: mobile carrier server

Claims (29)

A telephone number of a wireless terminal to be used for payment from a purchaser who purchases a specific commodity through a shopping mall page (hereinafter, referred to as a 'first telephone number'), a payment ID of a buyer, And an MO receiving number through the shopping mall page, wherein the MO receiving number is an ID registered in advance to receive a message from the mobile terminal in the MO mode A service server for providing a service number; And
And a wireless terminal for receiving the authentication key and the MO receiving number from the purchaser and transmitting the authentication key to the service server in an MO manner,
The service server receives the telephone number of the wireless terminal, which has previously registered the first telephone number and the payment ID received from the wireless terminal, and has sent the authentication key in the MO system (hereinafter referred to as 'second telephone number' And if the authentication key transmitted to the wireless terminal matches the authentication key received through the MO method, processing of payment for the purchase command of the purchaser is performed,
The service server receives and stores a phone number when an application capable of accessing the service server is installed in at least one of the wireless terminals and receives a symmetric key request for encrypting the resident registration number of the purchaser from the wireless terminal Upon receipt of the symmetric key, the symmetric key is generated and transmitted to the app, and when it is received in the MO mode, the cipher text, in which the cipher text is encrypted using the symmetric key, Determines whether or not the telephone number of the wireless terminal that requested the symmetric key matches the telephone number of the wireless terminal that requested the symmetric key. If it is determined that the telephone number of the wireless terminal that transmitted the cipher text matches the telephone number of the wireless terminal that requested the symmetric key, It is determined that the user is a valid user and the resident registration number of the purchaser and the phone number of the mobile terminal And stores the matched numbers.
The method according to claim 1,
The wireless terminal,
When the purchasing command for a specific commodity is input through the application, the purchaser outputs an input window for inputting a first telephone number of a wireless terminal to be used for payment,
Receives the first telephone number through the input window, and transmits the first telephone number to the service server, thereby requesting payment processing according to the purchase command.
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 wireless terminal, and the telephone number of the wireless terminal to the mobile communication company server to request the payment processing for the purchase command of the purchaser.
The method according to claim 1,
The app,
Wherein the information processing apparatus is an app providing information on a product and processing payment for a product selected by the purchaser.
The method according to claim 1,
The service server,
If the telephone number of the wireless terminal that sent the cipher text matches the telephone number of the wireless terminal that requested the symmetric key, decrypts the received cipher text using the symmetric key, and transmits the decrypted resident registration number to the mobile communication server, And requests payment processing for the purchase request.
The method according to claim 1,
The service server,
And when the symmetric key request is received from the wireless terminal, generates a one-time symmetric key and transmits the symmetric key to the wireless terminal.
The method according to claim 1,
The wireless terminal,
And encrypting the cipher text in which the resident registration number is encrypted using the symmetric key, by using a forgery check hash.
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.
The method according to claim 1,
The service server,
Receiving a payment ID of a buyer together with a symmetric key request from the wireless terminal,
And stores the payment ID of the purchaser matching the resident registration number of the purchaser and the telephone number of the wireless terminal when the purchaser is determined to be a valid user.
(Hereinafter, referred to as 'first phone number') and a payment ID of a buyer, which is used by the buyer to make payment through the shopping mall page. Here, the payment ID is registered in advance to identify the buyer A key generation unit for generating an authentication key when the buyer's purchase command is received;
A storage unit for storing the resident registration number of the purchaser and the telephone number of the wireless terminal previously used by the purchaser for payment;
A transmission / reception unit for providing the authentication key generated by the key generation unit through the shopping mall page and receiving an authentication key from the wireless terminal in an MO (Message Oriented) manner;
A comparison unit comparing the telephone number of the wireless terminal transmitting the authentication key (hereinafter, referred to as 'second telephone number') with the first telephone number; And
And a processing unit for processing the authentication key generated by the key generation unit to be provided through the shopping mall page when the first telephone number, the payment ID, and the purchase order of the buyer are received through the shopping mall page,
Wherein the processing unit is configured such that the first telephone number and the payment ID are registered in advance in the storage unit and the second telephone number of the wireless terminal that has transmitted the authentication key in the MO system matches the first telephone number, Processing the payment for the purchase command if the authentication key received through the MO method matches the authentication key transmitted to the wireless terminal,
Wherein the storage unit stores a telephone number that is identification information of at least one or more wireless terminals in which the application is installed,
The key generation unit generates a symmetric key from the application when a symmetric key is received, which is a key for generating a cipher text in which the symmetric key is encrypted with the resident registration number input by the purchaser,
The transmitting and receiving unit transmits the symmetric key generated by the key generating unit to an app included in the wireless terminal, receives a cipher text from a specific wireless terminal by the MO method,
The comparison unit compares the telephone number of the specific wireless terminal that transmitted the cipher text received through the transceiver unit with the telephone number of the purchaser wireless terminal that requested the symmetric key,
The processing unit processes the symmetric key generated by the key generation unit to be transmitted to the application when the symmetric key request is received from the wireless terminal of the purchaser, and compares the phone number of the specific wireless terminal with the phone number of the specific wireless terminal And determines that the purchaser is a valid user when it is determined that the telephone numbers of the purchaser wireless terminals requesting the symmetric key match.
11. The method of claim 10,
The key generation unit may generate,
And generates a one-time symmetric key when a symmetric key request is received from the wireless terminal.
11. The method of claim 10,
Wherein,
And transmits a settlement processing for the buyer's purchase command by transmitting the resident registration number of the purchaser, mobile communication company information providing the mobile communication service to the mobile terminal, and the first telephone number to the mobile communication company server. .
11. The method of claim 10,
The app,
And the payment processing apparatus is an app for providing information on a product and processing payment for a product selected by the purchaser.
11. The method of claim 10,
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.
11. The method of claim 10,
Wherein,
Receiving a payment ID of a buyer together with a symmetric key request from the wireless terminal,
And stores the payment ID of the purchaser matching the resident registration number of the purchaser and the telephone number of the wireless terminal when the purchaser is determined to be a valid user.
(a) when a resident registration number of the purchaser is inputted from a buyer through an app provided in a wireless terminal, the service server in the app is a server that provides a service corresponding to the app, and encrypts the resident registration number Requesting a symmetric key for the symmetric key;
(b) generating a symmetric key in the service server and transmitting the symmetric key to the wireless terminal;
(c) generating a ciphertext in which the application encrypts the resident registration number using the symmetric key, and transmitting the ciphertext to the service server in an MO manner;
(d) determining whether the telephone number of the wireless terminal that transmitted the cipher text matches the telephone number of the wireless terminal that requested the symmetric key in the service server;
(e) judging that the purchaser is a valid user in the service server and storing the resident registration number of the purchaser and the telephone number of the mobile terminal in a matching manner if it is determined in step (d) that the telephone numbers match;
(f) a telephone number (hereinafter, referred to as 'first telephone number') of a wireless terminal to be used by the buyer for payment at a terminal of the buyer accessing a shopping mall page provided by the service server, , The payment ID is a pre-registered ID for identifying the buyer, and transmitting the purchase command to the service server by receiving the purchase command;
(g) generating an authentication key in the service server and indicating 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 the MO mode, ;
(h) receiving the authentication key from the purchaser at the wireless terminal and transmitting the authentication key to the service server in a message orientated manner;
(i) if the service server determines that the first telephone number and the payment ID received from the wireless terminal have been registered in advance, the telephone number of the wireless terminal transmitting the authentication key (hereinafter, Determining whether the first telephone number matches the first telephone number;
(j) determining whether the authentication key transmitted in the MO method matches the authentication key transmitted to the mobile terminal, if it is determined in step (i) that the respective telephone numbers match; And
(k) processing the payment for the buyer's purchase order at the service server if it is determined at step (j) that the respective authentication keys match;
.
17. The method of claim 16,
The step (c)
And further encrypting the cipher text by a forgery-proof check hash.
17. The method of claim 16,
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.
17. The method of claim 16,
Before the step (a)
And receiving and storing a phone number of the mobile terminal when the service server installs the application in the mobile terminal.
17. The method of claim 16,
The step (g)
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.
17. The method of claim 16,
The step (k)
If it is determined in step (j) that the authentication keys are identical, the resident registration number, the mobile communication company information providing mobile communication service to the mobile terminal, and the first phone number of the mobile terminal are transmitted to the mobile communication company server, And a request for a settlement for the purchase request of the settlement request.
17. The method of claim 16,
The step (a)
Receives the buyer's payment ID together with the symmetric key request from the app,
The step (e)
And stores the payment ID of the purchaser matching the resident registration number of the purchaser and the telephone number of the wireless terminal when the purchaser is determined to be a valid user.
(a) receiving a symmetric key for encrypting the resident registration number of the purchaser from an app provided in the wireless terminal;
(b) generating a symmetric key and transmitting the symmetric key to the wireless terminal;
(c) receiving a cipher text encrypted with the resident registration number from the application in an MO manner;
(d) determining whether the telephone number of the wireless terminal transmitting the encrypted text matches the telephone number of the wireless terminal requesting the symmetric key;
(e) if it is determined in step (d) that the respective telephone numbers match, storing the resident registration number of the purchaser as a valid user and storing the telephone number of the wireless terminal in a matching manner;
(f) a telephone number (hereinafter, referred to as 'first telephone number') of a wireless terminal to be used for payment by the buyer from the terminal of the buyer connected to the shopping mall page, a payment ID of the buyer, And an MO reception number, wherein the MO reception number is a reception number for receiving a message from the wireless terminal in the MO system, Providing the shopping mall page together with the shopping mall page;
(g) receiving the authentication key from the wireless terminal of the purchaser in a Message Oriented manner;
(h) If it is determined that the first telephone number and the payment ID are registered in advance, the telephone number of the wireless terminal that transmitted the authentication key (hereinafter referred to as a second telephone number) Determining whether or not they match;
(i) determining whether the authentication key transmitted in the MO method matches the authentication key transmitted to the mobile terminal, if it is determined in step (h) that the telephone numbers match; And
(j) processing the payment for the buyer's purchase order at the service server if it is determined at step (i) that the respective authentication keys match;
.
24. The method of claim 23,
The step (b)
And further encrypting the cipher text by a forgery-proof check hash.
24. The method of claim 23,
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.
24. The method of claim 23,
Before the step (a)
And receiving and storing a phone number of the mobile terminal when the service server installs the application in the mobile terminal.
24. The method of claim 23,
The step (f)
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.
24. The method of claim 23,
The step (j)
If it is determined in step (i) that the authentication keys are identical, the resident registration number, the mobile communication company information providing mobile communication service to the mobile terminal, and the first phone number of the mobile terminal are transmitted to the mobile communication company server, And a request for a settlement for the purchase request of the settlement request.
24. The method of claim 23,
The step (a)
Receives the buyer's payment ID together with the symmetric key request from the app,
The step (e)
And stores the payment ID of the purchaser matching the resident registration number of the purchaser and the telephone number of the wireless terminal when the purchaser is determined to be a valid user.
KR1020130055748A 2013-05-16 2013-05-16 Payment processing system, device and method KR20140135461A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN114257382A (en) * 2022-01-30 2022-03-29 支付宝(杭州)信息技术有限公司 Method, device and system for key management and service processing

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN114257382A (en) * 2022-01-30 2022-03-29 支付宝(杭州)信息技术有限公司 Method, device and system for key management and service processing

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