CN1929652A - Mobile communication terminal and electronic payment authentication method - Google Patents

Mobile communication terminal and electronic payment authentication method Download PDF

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Publication number
CN1929652A
CN1929652A CNA2006101122660A CN200610112266A CN1929652A CN 1929652 A CN1929652 A CN 1929652A CN A2006101122660 A CNA2006101122660 A CN A2006101122660A CN 200610112266 A CN200610112266 A CN 200610112266A CN 1929652 A CN1929652 A CN 1929652A
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CN
China
Prior art keywords
electronic accounting
electronic
accounting
sign
electronic payment
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CNA2006101122660A
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Chinese (zh)
Inventor
梁成峻
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
LG Electronics China Research and Development Center Co Ltd
LG Electronics Inc
Original Assignee
LG Electronics China Research and Development Center Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by LG Electronics China Research and Development Center Co Ltd filed Critical LG Electronics China Research and Development Center Co Ltd
Publication of CN1929652A publication Critical patent/CN1929652A/en
Pending legal-status Critical Current

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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
    • G06Q20/30—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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/3825—Use of electronic signatures
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/02—Services making use of location information
    • H04W4/023—Services making use of location information using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds

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

Abstract

The present invention relates to a mobile communication terminal and an electronic payment authentication method. The mobile communication terminal of the present invention is characterized by comprising a position information module part for receiving the position information of the terminal; a storing part for storing a first position information which logs in the electronic payment allowance area and electronic payment tag indicating whether the electronic payment is allowed or not; an electronic payment module for comparing the first position information and the second position information of the present position of the terminal so as to determine whether the electronic payment is allowed or not; an interface part wireless or wire connected to the electronic payment client and transmitting the electronic payment tag to the electronic payment client when the electronic payment is carried out. Furthermore, an electronic payment authentication method for executing the electronic payment process in given area can be provided by using the mobile communication terminal when the terminal logs in the electronic payment allowance area.

Description

Mobile communication terminal and electronic payment authentication method
Technical field
The present invention relates to electronic payment authentication method, particularly utilize mobile communication terminal to carry out the mobile communication terminal and the electronic payment authentication method of clearing authentication at ad-hoc location.
Background technology
Generally, use in the clearing authentication mode of internet for the user is connected in the internet and comprise PC is arranged (Personal computer), internet, certificate server.Certainly, the user is in order to carry out banking or to buy commodity and be connected in certificate server in the internet, receives digital certificate and authentication document is stored among the relevant PC.
Above-mentioned storage mode is not restricted to PC, also can use mobile memory to store.Therefore, the user can utilize authentication document to settle accounts.
But there are the following problems for the clearing form of existing mode: when losing the password that causes the user and authentication document and run off because of the mobile memory that stores password and authentication document and PC, financial accident can take place.
And during according to the mode of having now, user's authenticating step is subordinated in the authentication information.
Summary of the invention
What propose in order to address the above problem the objective of the invention is to: mobile communication terminal and electronic payment authentication method that the execution electronic accounting authenticating step that a kind of password and authentication document can not run off easily is provided.
And, provide not to be subordinated to the authenticating step that is stored in the authentication information in the PC (PC:Personal computer).
Mobile communication terminal of the present invention in order to achieve the above object,, its feature comprises a following youngster part: positional information module portion, the positional information of receiving terminal; Storage part, storage log on as electronic accounting and allow the primary importance information in area and comprise the electronic accounting sign whether electronic accounting allows; The electronic accounting module compares the second place information of primary importance information and terminal present position, and judges that whether electronic accounting allows; Interface portion, wireless or be wiredly connected to electronic accounting client (client), during electronic accounting above-mentioned electronic accounting sign is sent to above-mentioned electronic accounting client.
At this moment, the electronic accounting sign has true value (TRUE) falsity (FALSE), and true value (TRUE) expression allows electronic accounting, and falsity (FALSE) expression does not allow electronic accounting.
And electronic payment authentication method of the present invention, its feature comprises following several sections: login step allows area login primary importance information to electronic accounting; Comparison step, receiving terminal present position are second place information, and compare with primary importance information; First sets step, when positional information is identical, the value of electronic accounting sign is set at true value (TRUE); Second sets step, when positional information is inequality, the value of electronic accounting sign is set at falsity (FALSE); Transfer step according to the electronic accounting request, transmits the electronic accounting sign.
At this moment, after the electronic accounting transfer step, also comprise: confirm step, confirm the value of electronic accounting sign; When execution in step, the value of electronic accounting sign are true value (TRUE), carry out electronic accounting; The refusal step, when the value of electronic accounting sign was falsity (FALSE), refusal was carried out electronic accounting.
At this, electronic accounting allows the area to change, and needs the authentication of terminal and the electronic accounting authentication of electronic accounting client during above-mentioned change.
And the electronic accounting client includes after the electronic accounting sign confirms that electronic accounting whether, carries out the electronic accounting authentication module of electronic accounting.
Therefore, the present invention has following effect: only carry out electronic accounting at ad-hoc location, therefore, password and authentication document are not run off and are had fail safe highly; And, utilize mobile communication terminal to carry out the electronic accounting authenticating step, therefore, prevent losing by others' attack or authentication document.
Aforesaid the present invention has following effect: only carry out electronic accounting at ad-hoc location, therefore, password and authentication document are not run off and are had fail safe highly; And, utilize mobile communication terminal to carry out the electronic accounting authenticating step, therefore, prevent losing by others' attack or authentication document.
Describe the present invention below in conjunction with the drawings and specific embodiments, but not as a limitation of the invention.
Description of drawings
Fig. 1 is the concept map of system of the execution electronic accounting authentication of the embodiment of the invention;
Fig. 2 is a pie graph of carrying out the mobile communication terminal of electronic accounting authentication in the system of Fig. 1;
Fig. 3 is the flow chart of stored position information in mobile communication terminal of the embodiment of the invention;
Fig. 4 is that the mobile communication terminal that utilizes of the embodiment of the invention is carried out the flow chart of electronic accounting verification process.
Embodiment
Fig. 1 is the concept map of system of the execution electronic accounting authentication of the embodiment of the invention.
As shown in Figure 1, this system comprises: mobile communication terminal 100, only carry out the electronic accounting authentication in particular locality; Positional information server 120, the position of grasping terminal is to mobile communication terminal delivering position information; Electronic accounting client 130 is carried out electronic accounting; Electronic settlement server 150.
That is, form by the positional information receiving unit with according to the part of this positional information execution electronic accounting.
At first, position message pick-up part is described: mobile communication terminal 100 wireless connections are in the base station 110, this base station 110 is connected in positional information server 120, during the positional information of positional information server 120 receiving terminals, grasps location information of terminals and to associated terminal delivering position information.The location information receiving step describes in detail in Fig. 3 described later.
The part of carrying out electronic accounting is by mobile communication terminal 100, and wire/wireless is connected in the electronic accounting client 130 of mobile communication terminal 100, and the electronic settlement server 150 of handling electronic accounting constitutes.Certainly, mobile communication terminal 100 and electronic accounting client 130 are utilized the data communication cable, the wired or infrared communication of USB cable etc., and the wireless mode of bluetooth etc. is connected.Electronic accounting client 130 is connected by internet 140 with electronic settlement server 150, and internet 140 can be the network that is made of wired or wireless.To the electronic accounting execution in step, in Fig. 4 described later, describe in detail.
Electronic accounting client 130 is provided with Web visit device, and the user selects commodity and carries out electronic accounting by Web visit device.Certainly, for this electronic accounting, be set with electronic accounting authentication module 131.For example: PC (Personal computer), notebook (Notebook) etc. are set with Internet Explorer (explorer) or navigation (navigation), at this, are set with the electronic accounting authentication module of generally acknowledging certificates of recognition etc.
Fig. 2 is a pie graph of carrying out the mobile communication terminal of electronic accounting authentication in the system of Fig. 1.
As shown in Figure 2, mobile communication terminal 100 comprises: control part 200, key input part 210, display part 220, electronic accounting module 230, storage part 240, interface portion 250, positional information module 260, wireless circuit unit 270.
The function that realizes in the control part 200 control mobile communication terminals, and with other parts deal with data and signal.Particularly, login specific location information in an embodiment of the present invention, and utilize it to carry out electronic accounting in particular locality.
Key input part 210 is by numerical key (0-9), and special keys (*, #), text button, the function key of carrying out function constitutes.User's indication is sent to control part 200, certainly, can set special keys separately for the electronic accounting pattern in the present invention, different therewith, do not set special keys separately, utilize general key to carry out in the menu screen mode.
Display part 220 can be LCD (LCD:Liquid Crystal Display) or organic light emitting display (OLED:Organic light emitting diode), shows menu screen that the control user according to control part 200 selects and according to its execution picture, result screen.Particularly, show the electronic accounting menu screen in an embodiment of the present invention.In the electronic accounting menu, has the menu that allows the area with the affirmation electronic accounting of the next menu-style.
After electronic accounting module 230 confirms that electronic accountings whether, and its result sends control part 200 to, the positional information that is electronic accounting module 230 reading terminals judges whether terminal is in the particular locality afterwards, and after determining that whether electronic accounting allows, it is sent to electronic accounting client 130.
Memory 240 comprises flash memory, random asccess memory (RAM), electricallyerasable ROM (EEROM) (EEPROM:electrically erasable programmable read only memory).The call processing software of handling utilization system (OS:operating system) and terminal in real time is stored in the flash memory, from random asccess memory, reads its program parameter and state.At this, read-only memory (ROM) is made of EEPROM, and the erasable non-performance data of store electricity are also carried out the input and output of ordering according to control part 200.
Particularly exist, storage is preserved the login position information 241 of the positional information that receives from positional information server 120 and is included the electronic accounting sign 242 whether electronic accounting allows in the embodiments of the invention.
Certainly, login position information 241 needs only to carry out in particular locality the login step of the terminal positional information of electronic accounting.Login step is described in detail in Fig. 3 described later.
Interface portion 250 is to carry out the interface that connects between electronic accounting client 130 and the terminal 100.As mentioned above, terminal 100 can be connected by wire/wireless with electronic accounting client 130, and the electronic accounting sign 242 that is stored in the storage part 240 is sent to electronic accounting client 130 from terminal 100.
Positional information module 260 is carried out from the function of the positional information of positional information server 120 receiving terminals 100.Usually utilize the GSP receiving position information.
Wireless circuit unit 270 receives external signal by antenna (ANT), and it is sent to control part 200 or transmits the data that are stored in the memory 240.Promptly from positional information server 120 receiving position informations or transmit the note of request position information.
Fig. 3 is the flow chart of stored position information in mobile communication terminal of the embodiment of the invention, and strictly saying can be using the function of electronic accounting to regard the step that the login electronic accounting allows the area as in particular locality.
As shown in Figure 3, the user carries out the electronic accounting function a310 of terminal in particular locality, at this, request login " electronic accounting allows the area ", making the user can utilize authentication information to carry out electronic accounting a320, is exactly that the user signs in to the step that connects the area for the electronic accounting function after carrying out specifically.For example: limit geographic coverage, can only carry out clearing in best PC position or at the PC of office.
When the user asked to login, mobile communication terminal 100 was to the positional information a330 of positional information server 120 requesting terminals 100.
Afterwards, positional information server 120 is surveyed the position of terminal 100, and positional information is sent to terminal 100a340.
Mobile communication terminal 100 receives a350 in the login position information 241 that is stored in storage part 240 after the above-mentioned positional information.At this, store a plurality of " electronic accounting allows the area " as required, also can change.Need the password (Verification Number) of mobile communication terminal and PC electronic accounting to authenticate in order to change " electronic accounting allows the area ".
Sign in to electronic accounting and allow after the area, utilize it to carry out electronic accounting in particular locality.Describe the electronic accounting execution in step among Fig. 4 in detail, promptly Fig. 4 is the flow chart that utilizes mobile communication terminal execution electronic accounting verification process of the embodiment of the invention.
As shown in Figure 4, the user is in particular locality a410 in order to carry out electronic accounting, and at this, user 400 is identical with user 300 among above-mentioned Fig. 3.
Just difference is represented in order to help to understand the present invention for this, and promptly user 300 is the terms that use when signing in to " electronic accounting allows the area ", and user 400 is the addresses that sign in to the people of particular locality execution electronic accounting function afterwards.
User 400 is in after the particular locality, selects the electronic accounting function and carries out " electronic accounting allows the area to confirm " a411, a412 in terminal 100.
At this moment, electronic accounting module 230 is request position information a413 for the present position of grasping terminal, and certainly, positional information module 260 sends the location information request note to positional information server 120.
Positional information server 120 and sends positional information to terminal 100a414 once more after terminal 100 receiving position information request notes are grasped the positional information of terminal 100.Certainly, the positional information module 260 of receiving position information sends positional information to electronic accounting module 230.
Electronic accounting module 230 is during from positional information server 120 receiving position informations, and the login position of the present position of electronic accounting module 230 comparison terminals and " electronic accounting allows the area " also judges whether identical a420.
Judged result is the present position of terminal when identical with the login position, the electronic accounting sign is set at " true value (TRUE) " a421.
Afterwards, the user attempts to carry out electronic accounting a431 in electronic accounting client 130, and promptly the user utilizes the Web visit device that is set in the electronic accounting client 130, is buying commodity on the internet, and is attempting to carry out electronic accounting.Certainly, only illustrated and bought the embodiment of commodity, but also gone for using the internet bank of electronic accounting or security personnel to authenticate.At this moment, be set with electronic accounting authentication module 131 in the electronic accounting client 130.
Afterwards, when the user attempted to carry out to the electronic accounting of certain commodity, above-mentioned electronic accounting authentication module 131 transmitted the note a432 that confirms that whether electronic accountings allow to terminal 100.
The terminal 100 whether the reception electronic accounting allows sends the electronic accounting signs 242 that are stored in the storage part 240 to electronic accounting client 130a433.
Afterwards, on duty when be " true value (TRUE) " after the electronic accounting sign 242 that electronic accounting client 130 is confirmed to receive, to electronic settlement server 150 request electronic accountings authentication a434, promptly ask electronic accountings to electronic settlement server 150.
In contrast, when the present position of the terminal among the comparison step a420 of position and login position are inequality, the electronic accounting sign is set at " falsity (FALSE) " a450.
Afterwards, the user attempts to carry out electronic accounting a461 in electronic accounting client 130.
At this moment, the electronic accounting authentication module 131 of electronic accounting client 130 transmits the note a462 that confirms that whether electronic accounting allows to terminal 100.
The terminal 100 whether the reception electronic accounting allows sends the electronic accounting signs 242 that are stored in the memory 240 to electronic accounting client 130a463.
Afterwards, on duty when be " falsity (FALSE) " after the electronic accounting sign 242 that electronic accounting client 130 is confirmed to receive, have the note a464 that can't carry out the electronic accounting content for user's 400 demonstrations.It is the note that the screen displayed of electronic accounting client 130 has the user's content that is not proper.
Certainly; the present invention also can have other various embodiments; under the situation that does not deviate from spirit of the present invention and essence thereof; those of ordinary skill in the art work as can make various corresponding changes and distortion according to the present invention, but these corresponding changes and distortion all should belong to the protection range of the appended claim of the present invention.

Claims (7)

1, a kind of mobile communication terminal is characterized in that, comprising:
Positional information module portion, the positional information of receiving terminal;
Storage part, storage log on as electronic accounting and allow the primary importance information in area and comprise the electronic accounting sign whether electronic accounting allows;
The electronic accounting module compares the second place information of primary importance information and terminal present position, and judges that whether electronic accounting allows;
Interface portion, wireless or be wiredly connected to the electronic accounting client, during electronic accounting above-mentioned electronic accounting sign is sent to above-mentioned electronic accounting client.
2, mobile communication terminal according to claim 1 is characterized in that,
The electronic accounting sign have true value, falsity,, true value represents to allow electronic accounting, falsity represents not allow electronic accounting.
3, mobile communication terminal according to claim 1 is characterized in that,
Electronic accounting allows the area to change, and needs the authentication of terminal and the electronic accounting authentication of electronic accounting client during above-mentioned change.
4, a kind of electronic payment authentication method is characterized in that, comprising:
Login step allows area login primary importance information to electronic accounting;
Comparison step, receiving terminal present position are second place information, and compare with primary importance information;
First sets step, when positional information is identical, the value of electronic accounting sign is set at true value;
Second sets step, when positional information is inequality, the value of electronic accounting sign is set at falsity;
Transfer step according to the electronic accounting request, transmits the electronic accounting sign.
5, electronic payment authentication method according to claim 4 is characterized in that,
After the electronic accounting transfer step, also comprise:
Confirm step, confirm the value of electronic accounting sign;
Execution in step when the value of electronic accounting sign is true value, is carried out electronic accounting;
The refusal step, when the value of electronic accounting sign was falsity, refusal was carried out electronic accounting.
6, electronic payment authentication method according to claim 4 is characterized in that,
Electronic accounting allows the area to change, and needs the authentication of terminal and the electronic accounting authentication of electronic accounting client during above-mentioned change.
7, electronic payment authentication method according to claim 6 is characterized in that,
The electronic accounting client includes after the electronic accounting sign confirms that electronic accounting whether, carries out the electronic accounting authentication module of electronic accounting.
CNA2006101122660A 2005-09-05 2006-08-29 Mobile communication terminal and electronic payment authentication method Pending CN1929652A (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020050082365 2005-09-05
KR1020050082365A KR100705038B1 (en) 2005-09-05 2005-09-05 Mobile communication terminal and method for authenticating electronic payment

Publications (1)

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CN1929652A true CN1929652A (en) 2007-03-14

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106779649A (en) * 2016-12-21 2017-05-31 世纪禾光科技发展（北京）有限公司 Transfer accounts processing method and processing device
CN108206737A (en) * 2016-12-16 2018-06-26 柯呈翰 For generating the method and system of Multiple Factors authentication code

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100963924B1 (en) * 2007-10-08 2010-06-17 주식회사 신한은행 Method for Confirming Wireless One-time Authentication Location and Mobile Phone, Recording Medium
US20110022518A1 (en) * 2009-07-22 2011-01-27 Ayman Hammad Apparatus including data bearing medium for seasoning a device using data obtained from multiple transaction environments
US8566233B2 (en) * 2010-07-29 2013-10-22 Intel Corporation Device, system, and method for location-based payment authorization

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Publication number Priority date Publication date Assignee Title
KR20030031087A (en) * 2003-03-28 2003-04-18 (주)아이엠넷피아 Method for financial transaction using by location information of mobile terminal
KR100681422B1 (en) * 2004-01-12 2007-02-09 유형묵 Customer certification system based on position and a method thereof

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108206737A (en) * 2016-12-16 2018-06-26 柯呈翰 For generating the method and system of Multiple Factors authentication code
CN106779649A (en) * 2016-12-21 2017-05-31 世纪禾光科技发展（北京）有限公司 Transfer accounts processing method and processing device

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KR20070025819A (en) 2007-03-08

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