KR100276987B1 - Wireless network electronic transaction system using wireless communication terminal and electronic transaction method using the system - Google Patents

Abstract

The present invention relates to an electronic transaction system that enables payment and transfer of credit and debit cards using a wireless data communication mobile terminal and a wireless data communication network. In particular, an SMS service is provided in a digital PCS and cellular network capable of transmitting and receiving wireless data. The present invention relates to an electronic transaction system that enables electronic transactions of credit and debit cards using a wireless data service system and communication procedures and encryption functions of communication data supported by TRS, wireless data network, and CT2.

Description

Wireless network electronic transaction system using wireless communication terminal

The present invention relates to a wireless network electronic transaction system using a wireless communication terminal that can be used for payment and account transfer of credit and debit cards using a mobile terminal subscribed to a wireless communication network.

Financial transactions are largely a direct transaction between a buyer and a seller who pays cash to the buyer when he or she wants to buy something, and a credit card is used for the purchase of a product that is purchased using a credit card. It can be divided into electronic transactions, such as payments made to banks or card companies or debit cards, so that goods or services can be automatically transferred to the buyer's account.

The establishment of an electronic transaction using the credit or debit card can be established only when there is a card issuer (account holder), a merchant (seller) and a card member (buyer).

In the case of a credit card, the card issuer issues a card in which the member's unique information is recorded to card members, and joins a merchant that provides goods or services and issues an authorization number. By using the issued card, the buyer visits the desired merchant (seller), receives the desired goods or services, and makes a payment using the card. The merchant prepares a bill signed by the buyer for the goods or services sold to the buyer and bills it to the card issuer, and the card issuer pays the bill to the seller excluding a fee from the bill amount for the slip. The card issuer who pays the bill to the seller bills the buyer who purchased the goods using the card, and the buyer who receives the bill pays the billed amount to the card issuer to establish a transaction.

At this time, when the buyer does not pay the price charged by the card issuer within a certain period, the card issuer treats the credit as a bad credit and stops the card transaction. Therefore, the merchant, that is, the seller cannot determine the credit of the buyer card only by holding the card, and establishes a transaction with the buyer by receiving a transaction authorization number from a financial institution authorized for the buyer card for the safety of the transaction.

The authorization number of the buyer card indicates the credit status of the buyer card, and the credit inquiry for the seller to issue the authorization number of the buyer card is performed by connecting to the credit inquiry institution with a credit card dedicated terminal for the credit card inquiry.

Figure 1 shows a wire transaction dedicated terminal of the conventional credit card dedicated query terminal, the wire transaction dedicated terminal 1 can be connected only by wire. Merchants can sign up as an affiliate of the card issuer they want, purchase and use a wired transaction-only terminal, or install it at a affiliated card issuer in the case of a large department store or a lot of sales.

Next, FIG. 2 shows a wireless transaction dedicated terminal used in some card trading developed countries, and is composed of a credit card reader (magnetic or IC card type) and a wireless data communicator for reading credit card information. In addition, the installation of the wireless transaction dedicated terminal 2 should be separately purchased by the seller or installed by the card issuer as in the wired transaction dedicated terminal of FIG. 1.

The process of performing a transaction using the wired / wireless transaction-only terminals 1 and 2 as described above is as shown in FIGS. 3 and 4.

First, Figure 3 shows the entire system of an electronic transaction system using a wired transaction-only terminal, the wired transaction-only terminal (1) of the merchant is a credit card provider (KICC, Korea Credit Information (NICE), Korea Credit) It is connected to a credit card transaction dedicated network (3, public telephone network (PSTN), public data network (PSDN), public enterprise communication network (KOLAN), etc.) to which evaluation (KIS), Korea Value Added Communication (KOVAN), etc. are subscribed. The credit card transaction exclusive network 3 of the credit card provider is connected to a card issuer (account holder) and a financial joint network, and is also connected to an overseas credit card network. That is, when the affiliated store inquires about the credit card, the wired transaction-only terminal 1 connects the card information to the credit card inquiry service provider 4 through the credit card transaction exclusive network 3, and the card manufacturer ( 4) sends the information of the card received from the wired transaction-only terminal 1 to the card issuer 6 to confirm the credit of the card, and then notifies the wired transaction-only terminal 1 whether the card can be traded or not. In this case, when a card transaction is possible, an authorization number is assigned. In addition, during the debit card transaction, the credit card inquiry provider (4) connects the account holder (6) through the financial common network (5) to check the balance of the debit card and sends it to the wired transaction dedicated terminal (1) of the merchant. It becomes.

As described above, the seller who receives the credit card authorization number or the transaction impossibility from the credit card inquiry provider may stop or close the transaction according to the matter, and in the case of the debit card, the transaction may be performed depending on the balance.

4 shows an entire system of a wireless network electronic transaction system using the wireless transaction dedicated terminal 2 shown in FIG. 2, wherein the wireless transaction dedicated terminal 2 is connected to a credit card transaction dedicated network of a credit card provider. Whether you are subscribed to a network (12, Cellular, PCS, TRS, Wireless Data Network, CT2), and whether you have a credit card or debit card, such as credit card or debit card You can establish a transaction by checking.

In the above-described electronic transaction system using a wired transaction-only terminal, a merchant or merchant must purchase a wired transaction-only terminal in order to make a transaction with a credit card and a debit card, and the transaction must be fixedly installed at a place where a telephone line or a dedicated line is installed. Since there is a problem that the mobile store or the non-buyer of the terminal can not be electronic transactions, there is a problem that the wireless transaction dedicated terminal must be purchased separately.

In other words, in mobile field transactions such as mobile stores, door-to-door sales, and salesmen who are currently increasing, transactions such as cash transactions or installment payments on giro papers have been made. It's not happening.

Accordingly, the present invention allows a seller or a buyer to check the credit of a card by using a mobile terminal used for digital PCS, TRS, Cellalar, wireless data communication, and CT2, to which many users are currently subscribed. An object of the present invention is to provide a wireless network electronic transaction system using a wireless communication portable terminal capable of performing a card transaction using a wireless communication portable terminal subscribed without requiring a terminal.

1 is a perspective view of a wired transaction terminal used in a conventional electronic transaction system.

2 is a perspective view of a wireless transaction terminal used in a conventional electronic transaction system.

3 is an overall configuration diagram of an electronic transaction system using a wired transaction terminal of FIG.

4 is an overall configuration diagram of an electronic transaction system using the wireless transaction terminal of FIG.

5 is an overall configuration diagram of a wireless network electronic transaction system according to the present invention.

Figure 6 is a block diagram showing a communication procedure and a process of transmitting and receiving communication data of the wireless network electronic transaction system according to the present invention.

7 is a block diagram showing a signal processing state for a key download method between a wireless communication mobile terminal and an SMS service center in a wireless network electronic transaction system of the present invention.

Figure 8 is a block diagram showing a transaction request message of the key download method used in the present invention.

9 is a block diagram showing a transaction response message of the key download method used in the present invention.

Fig. 10 is a block diagram showing an electronic payment and password registration procedure for a key download type mobile terminal used in the present invention.

11 is a block diagram showing a signal processing state by a key transmission method between a wireless communication terminal and an SMS service center in a wireless network electronic transaction system of the present invention.

12 is a block diagram showing a transaction request message of the key transmission method used in the present invention.

Fig. 13 is a block diagram showing a key value transfer message of a key transfer method used in the present invention.

14 is a block diagram showing a password transmission message of the key transmission method used in the present invention.

15 is a block diagram showing a transaction response message of the key transmission method used in the present invention.

Fig. 16 is a block diagram showing an electronic payment and password registration procedure of a key download type mobile terminal used in the present invention.

FIG. 17 is a flowchart illustrating a processing procedure of the system in a transaction using a seller's portable terminal in a wireless network electronic transaction system according to the present invention. FIG.

18 is a flowchart illustrating a processing procedure of the system in a transaction using a buyer portable terminal in a wireless network electronic transaction system according to the present invention.

19 is a flowchart illustrating encryption in a wireless network electronic transaction system according to the present invention.

20 is a flowchart of decryption in a wireless network electronic transaction system according to the present invention.

21 is a flowchart illustrating encryption and decryption of a transaction response message in a wireless network electronic transaction system according to the present invention.

Figure 22 is a flow chart of the overall electronic transaction of the wireless network electronic transaction system according to the present invention.

Figure 23 is a block diagram showing a system that can purchase a variety of tickets using a wireless network electronic transaction system according to the present invention.

24 is a flowchart of a system for purchasing various tickets using a wireless network electronic transaction system according to the present invention.

<Explanation of symbols for main parts of the drawings>

1: Wired Dedicated Terminal 2: Wireless Dedicated Terminal

3: Credit card transaction network of credit card operators

4: Credit card inquiry operators 5: Financial common network

6: Card issuer / account holder 7: Overseas telecommunications carrier

10: portable terminal (terminal) 11: wireless communication relay station

12: Wireless communication network 13: Digital PCS / Cellular SMS Center

14: wireless network electronic trading gateway 15: ticket sales system

16: card issuer / bank system 20: input and output processing unit

21: transaction processing unit 22, 24, 28: encryption processing unit

23,25,27: message relay 26: transaction information system

30: transaction request message 31: transaction response message

T1: Waiting time for response T2: Waiting time for response

The present invention uses a wireless communication mobile phone in place of a reader as a card-only terminal, connects a wireless data service system and an electronic payment system, and checks whether the mobile phone can be used as a card inquiry to relay transaction information. An electronic payment system using a mobile phone configured to include a network electronic transaction gateway and an electronic payment method using the system.

Hereinafter, with reference to the accompanying drawings will be described the present invention.

The present invention is composed of the system configuration of Figs. 5 and 23, the functional blocks of Fig. 6, the description of the operation of Figs. 7 to 21, and the process blocks of Figs. 22 and 23. It is expressed as

First, FIG. 5 of a system configuration example of one embodiment of the present invention will be described.

5 is a diagram illustrating an entire system of a wireless network electronic transaction system using a wireless communication terminal according to the present invention. The mobile terminal 10 receives information for inputting and transmitting information of a credit card and a debit card and confirming a transaction. ) And a system capable of transmitting data of the wireless communication network 12 such as PCS or cellular, to which the mobile terminal 10 is subscribed, and the wireless communication network (such as an SMS (Short Message Sevice) center 13). )), A wireless electronic transaction gateway (Gateway) 14 which checks whether the mobile terminal and the user are authorized by the transaction request message transmitted from the data transmission system and connects to the existing credit card inquiry service provider 4; The credit card issuer (4) is connected to the credit card issuer or debit card to determine whether or not to determine the credit card credit card It consists of four reserves account (bank) and financial accounts held jointly bought the network (5) to determine.

The transaction request information input to the mobile terminal 10 is transmitted to the wireless network electronic transaction gateway 14 through a data transmission system of the wireless communication network 12, in which case, in case of digital PCS or cellular network, SMS (Short Message Service) ) Transmits the message using the center 13. The transaction request information includes various information such as a card number and a transaction amount, and encrypts all such information or selectively encrypts and transmits only information requiring security such as an account number and a user password.

The wireless network electronic transaction gateway, which has received the encrypted information from the wireless communication network, checks whether the mobile terminal matches the user, and then the financial institution that holds the payment account, such as a credit card inquiry service provider (4), a card issuer or a bank ( 6) to the final transmission. A financial institution such as a card issuer that receives the transaction request information determines the approval and rejection of the transaction request information, and transmits the decision to the mobile terminal 10 through the wireless network electronic transaction gateway 14 and the wireless network. Send a message. The transaction request information and the transaction response information is displayed on the display of the mobile terminal 10 which has received the transaction response information, and after confirming this information, the seller prepares a slip and delivers it to the buyer, and then stores the signed slip. The deal is established.

6 shows a processing block diagram of an electronic transaction system using a wireless network according to the present invention. Here, the message centers of digital PCS / Cellular SMS centers, e-commerce systems, and card issuers / banks are registered in the international standard format 0800, 0810, 0200, 0210, 0100, 0110 for the approval and transfer of funds between current financial institutions. , 0420, 0430 Specialized forms or separate formats may be used.

The portable terminal 10 may include a separate microprocessor for processing the input / output processing unit 20, the transaction processing unit 21, the encryption processing unit 22, or the like, or may include only software in the microprocessor installed in the existing mobile terminal. It can also be processed. The input / output processing unit 20 functions to designate a transaction start button for inputting transaction information, to display a format of a transaction, to store input data, and the like. It stores the information to be displayed through the input and output processing unit 20 if necessary, receives the transaction approval information and transmits the completion or failure of the transaction to the input and output processing unit 20, and sends the input information to the encryption processing unit 22. . Next, the encryption processing unit 22 encrypts all of the input information or only the information that requires encryption, and decrypts the contents of the approval approval and sends the transaction to the input / output processing unit through the transaction processing unit to confirm whether the user approves the transaction. do. The encrypted input information is transmitted to the wireless communication network 12 using the data communication function of each mobile terminal. The encrypted input information transmitted from the mobile terminal 10 is transmitted to the wireless network electronic transaction gateway 14 by the message relay unit 23 which transmits a numeric or text data message of the wireless communication network 12. In this case, when the PCS or the cellular network is used as the wireless communication network 12, the SMS center 13 corresponds to the message relay unit 23. Next, the input information received from the message relay unit 23 is partially decrypted by the encryption processing unit 24 of the wireless network electronic trading gateway 14, and the message in the wireless network electronic trading gateway 14 is decrypted. The relay unit 25 transmits the input information transmitted from the message relay unit 23 of the message wireless communication network 12 to the card issuer or the computer network of the bank, and the message encryption processing unit in the wireless network electronic transaction gateway 14. The 24 and the message relay 25 store the user's password and encryption key value associated with the electronic transaction. In addition, the transaction information system 26 in the wireless network electronic trading gateway 14 receives the transaction history processed by the wireless network electronic trading system, and withdraws or withdraws the card which is processed by the buyer, the seller and the telecommunications company involved in the transaction or It transmits account number, amount installment and account time to provide transaction processing results and transaction reliability inquiry. The server of the transaction information system 26 may use an ARS, an Internet server, a fax server, and the like, and periodically transmits transaction details to a person concerned with a transaction or accesses a mobile terminal user to enter an inquiry condition to search for a corresponding transaction. It can provide a function to make it possible. The message relay unit 27 of the card issuer or the account holder then communicates with the message relay unit 25 of the wireless network electronic transaction gateway 14, and the card issuer encryption processing unit 28 is a wireless network electronic. After the transaction information received from the transaction gateway 14 is decrypted to determine whether to approve, the approval is encrypted, and then transmitted to the mobile terminal through the wireless network electronic transaction gateway 14.

As described above, in exchanging information on the transaction details of credit and debit cards, the encryption of data plays an important role since information is exposed. In general, the data encryption method mainly uses public key cryptography of RSA or DES, which is widely used in electronic transaction systems on the Internet. However, since many methods are publicly disclosed, the present invention does not specify a specific encryption method. However, using the RSA / DES method as an example, when using the above two methods, the mobile terminal must know the public key of the trading financial institution, which is a key down load method and a key. The transmission method can be implemented. The key download method is to store and use the key value of the financial institution in the storage device in the terminal, the key transmission method is to send the key of the relevant financial institution to the terminal every time a transaction takes place to use as an encryption key.

7 to 10 illustrate a key download scheme, and FIGS. 11 to 16 illustrate a key transfer scheme.

First, it will be described when the key download method is applied to the electronic transaction system using the wireless network of the present invention.

FIG. 7 illustrates a flow chart of a key download type mobile terminal and an SMS processing center. The message relay unit 23 of the transaction processing unit 21 and the wireless communication network 12 of the mobile terminal 10 shown in FIG. ), That is, message handling procedures between SMS centers. The mobile terminal encrypts and transmits the transaction request message 30 to the SMS center 13 using the stored encryption key, and the SMS center 30 receives the encrypted transaction received from the card issuer / bank system 16. The transaction is terminated by sending the response message 31 and decrypting it with the stored encryption key. Each message transmission and reception has a waiting period (T1, T2, etc.) and increases the transaction completion rate by a predetermined number of iterations.

Next, FIG. 8 is a block diagram of a key download type transaction request message, which defines the transaction request message 30 shown in FIG. The transaction request message 30 is generated in the mobile terminal 10 by pressing a button of the mobile terminal 10, where the field name is the name of each part of the message, and then the length in bytes. The content is shown. Here, X () denotes a character type, 9 () denotes a numeric type, STX, FE, and ETX correspond to ASCII codes, and LRC denotes a commonly used LRC error check value. That is, when a specific button for initiating a transaction is pressed, a byte for initiating a message is generated, and then information for distinguishing whether the mobile terminal is a seller or a buyer is input. For the convenience of use, the information of the mobile terminal is designated at the start of the transaction for the first time, and then the designated value is automatically input first, thereby eliminating the inconvenience of manually inputting the information.

In addition, the field number is separated to distinguish all contents, and the terminal number is displayed in 8 bytes except the operator's unique number (016/018/019 for PCS). To be entered. In addition, when using the purchaser's terminal, the purchase account number is simply entered by registering a card or account that the buyer wants to use in the mobile terminal so that it automatically appears and selects a specific account (card). When using the seller terminal, enter all the buyer card (account) number by pressing the button. The sales account number is entered by pressing a button when using the purchaser terminal, but in the case of the seller terminal, it is possible to simply select an account registered in advance in the mobile terminal. In the case of a seller terminal, the sales account may be selected in advance so that the account appears automatically, and the seller account may be displayed before the buyer account number to add convenience. Thereafter, information such as an expiration date, a transaction amount, an installment period, a product code, and the like is input, and each data length is shown in FIG. The commodity code is optional and finds and inputs a commodity code to be purchased from a catalog or a communication site. Next, two passwords are entered, one for the buyer card or account, and the other for the seller or buyer. The user password is for checking whether the portable terminal is used by a user who has been formally registered. After the next byte indicating the end of the message, an error check byte is entered. In this case, when the transaction account is fixed to be transferred to a specific account registered in advance in the wireless network electronic transaction gateway of the seller or the buyer, the purchase account (card) may be used when using the purchase terminal, and the sales account field may not be used when using the sale terminal. As described above, when the user input is completed, the input contents are displayed again so that they can be reconfirmed before transmission so that transmission or cancellation is possible.

9 is a block diagram of a key download transaction response message, which defines the transaction response message of FIG. 7, where the response code of the response type is encrypted.

Next, Fig. 10 shows a procedure for registering an encryption key embedded in a key download-type mobile terminal, and shows a process in which a mobile terminal user applies for an electronic transaction, registers the terminal in an electronic transaction system, and inputs an encryption key into the terminal. . The card issuer / bank encryption key must enter as many public keys as are proportional to the number of cards and bank cards to be used in the registered mobile terminal, which can be determined when the mobile terminal user applies for electronic transactions. will be. In the electronic transaction registration, a user designates an access number for accessing a key download, and the user accesses the user to receive an encryption key (Public Key) of the card issuer / bank applied for and store it in the mobile terminal. In order to have a function for automatic key download and storage as described above, the portable terminal is equipped with software in a separate microprocessor or an existing device as mentioned in FIG. In addition, the user encryption key is used to determine whether the mobile terminal user is an element owner (user password) formally registered in the communication network (PCS, cellular, etc.).

Next, FIG. 11 shows a processing flowchart between the mobile terminal 10 of the key transmission method and the SMS center 13, which is the message relay unit 23 of the wireless communication network 12. The mobile terminal 10 of FIG. The message processing procedure between the transaction processing unit 21 and the SMS center 13 is shown. In FIG. 11, the transaction is terminated by the mutual transaction confirmation message, and the transmission and reception of each message has a waiting time (T1, T2) value, and the transaction completion rate is increased by repeating the predetermined number of times. The difference with the key download method of FIG. 7 is that a public key of a card company / bank is received and used when a transaction occurs with the corresponding card company / bank, so that the download and storage of the corresponding encryption key are not necessary. The advantage is that it does not limit the possible cards. At this time, if the limitation of the available card is required, it is possible to register the card to be used by the user in the wireless network electronic transaction system when registering the mobile terminal.

12 is a block diagram showing a transaction request message of a key transmission method, and defines the transaction request message of FIG. At this time, the configuration of all fields is the same as that of FIG. 8, but the one corresponding to the password 1 of FIG. 13 is a block diagram of a key value transmission message of a financial institution of the key transmission method, which defines the key value message of FIG. 11, which encrypts the account password of the buyer.

Next, FIG. 14 defines a password transmission message of FIG. 11 as a configuration diagram of a password transmission message of a key transmission method.

Next, FIG. 15 is a block diagram of the transaction response message of the key transmission method, and defines the transaction response message of FIG. 11, which is the same as that of FIG. 9 of the key download method.

Next, Fig. 16 is a procedure for electronic payment and identification number registration of a portable terminal of a key transmission method. The portable terminal user applies for an electronic transaction, applies for an electronic transaction, registers the electronic transaction system of the terminal, and registers an encryption key with the terminal. Indicates the input process. At this time, since the card issuer / bank encryption key is transmitted to the mobile terminal when the transaction request message 30 of the mobile terminal is transmitted, there is no need to register and store separately, but if necessary, register a card that can be used for each mobile terminal in the wireless network electronic transaction gateway. You can limit it. At the time of registration, the user should receive a user encryption key (Public Key) from the electronic transaction system and input it to the portable terminal.

Fig. 17 is a flowchart showing the processing procedure of the portable terminal during the transaction by the seller portable terminal. First, the transaction start selection button is pressed to start the transaction, and then the transaction type is selected. When the transaction type is selected, a transaction format is displayed on the display window of the mobile terminal, and a transfer card or an account is selected among the displayed formats. Next, enter the card or account number of the seller or buyer, continue entering the expiration date and amount, and enter the payment period if the buyer wants to pay the installment. The buyer then enters his or her card or account password, which is not shown on the display for security reasons. The seller then enters his password, which is not shown on the display for security reasons. As described above, when the input of the information such as the buyer card or account number, expiration date, amount, installment, the password of the buyer card or account number, the password of the seller is completed, press the send button to be transmitted. After the transmission is completed as described above, the seller's portable terminal displays the result of the approval of the card usage from the credit rating agency on the display, and the transaction is terminated by selling or rejecting the product according to the displayed result. In the above transaction, in case of an account transfer, the account number of the seller is not input separately, and the deposit is made to the account designated by the mobile terminal user (seller) when registering the wireless network electronic transaction. However, if the seller needs more than one deposit account, it is also possible to register multiple account numbers and to select them in the transaction.

18 is a flowchart showing the processing procedure of the portable terminal during the transaction by the buyer portable terminal. First, the transaction start selection button is pressed to start the transaction, and then the transaction type is selected. When the transaction type is selected, a transaction format is displayed on the display window of the mobile terminal, and a payment card or an account is selected among the displayed formats. Next, enter the seller's account number, enter the amount of the item you want to purchase, and enter the installment period if you want to install it. You continue to enter the password of the buyer's card or account, which is not shown on the display for security reasons. You continue to enter the buyer's password, which is not shown on the display for security reasons. As described above, when input of information such as card or account number selection, amount, installment, seller's account number, buyer card or account number's password, buyer's password, etc. is completed, the transmission button is transmitted. After the transmission is completed as described above, the purchaser's portable terminal displays a result of the approval of the credit rating agency's use of the card on the display. In this case, if the authorization number is transmitted, after the authorization number is transmitted, the user can request the order and the delivery at the same time by pressing the selection of delivery, entering the address to be delivered, pressing the confirmation button, and ending the transaction. Here, if the address to be delivered is registered when the purchaser terminal registration, it is not necessary to enter the address. In the above, if there is a buyer that the seller frequently trades, for the convenience of the seller, the buyer card and account number may be automatically displayed only when the first transaction is entered, and the card and account designated by the mobile terminal user when registering the wireless network electronic transaction. Make a withdrawal from

19 is a flowchart showing the encryption of the transaction request message, which shows the encryption processing flow of the encryption processing unit of the mobile terminal shown in FIG. First, when the buyer presses the card or account password that the buyer inputs when using the mobile terminal 10, the card issuer / bank encryption key (Public key) downloaded by the key download method to the mobile terminal when registering the electronic transaction of the mobile terminal 10 The password of the card or account is encrypted using an encryption method such as RAS or DES by using the value or the key value received by the key transmission method. The card or account password encrypted as described above is included in the transaction request message and sent to the message relay unit 23 of the wireless communication network 12.

In addition, the buyer or seller's password entered by the buyer or seller at the time of transaction is the RSA by using the user encryption key value entered in the mobile terminal at the time of registering the electronic transaction of the mobile terminal 10 after the buyer or seller presses a button corresponding to the password. Or DES or the like. The password of the seller or the buyer encrypted as described above is transmitted to the message relay unit 23 of the wireless communication network 12.

20 shows a decryption flowchart of the transaction request message, which shows the decryption flow of the encryption processing portion of the wireless network electronic transaction gateway 14 and the financial network 15 such as a card issuer and a bank shown in FIG. . First, the transaction request message transmitted from the mobile terminal 10 through the message relay unit 23 of the wireless communication network 12 is received at the electronic transaction gateway 14, and then the encrypted seller or purchaser's password is encrypted. ) Is decrypted in the same manner as the encryption method described above by using a user encryption key (Private Key) input to the electronic transaction gateway when registering the electronic transaction of the mobile terminal 10. Verify that the user of the mobile terminal and the seller or the buyer match using the decrypted seller or buyer's password, and if it does not match, rejects the transaction and transmits the transaction impossible to the mobile terminal 10 through the wireless communication network. If the mobile terminal and the seller or the buyer match, the transaction request message including the encrypted card or the account number is transmitted to the card issuer and the bank system through the message relay unit 25 of the electronic transaction gateway 14. Next, the card issuer / bank system that receives the transaction request message from the message relay unit 23 of the electronic transaction gateway 14 separates the encrypted card or account password from the transaction request message and carries the separated password. Decryption is performed using the card issuer / bank private key value entered in the card issuer / bank system when registering the electronic transaction of the terminal. The decrypted card or account password is used to verify whether the card or account number and password match. If not, the transaction is rejected.

21 shows the encryption and decryption process of the transaction response message, which shows the flow of the encryption and decryption process transmitted from the encryption processing unit 28 of the card issuer / bank system to the encryption processing unit 11 of the mobile terminal. First, as illustrated in FIG. 20, when the password of the card or account input from the mobile terminal 10 matches the card or account number, the financial institution approves the transaction and inputs a response type and a response code. The input authorization value is encrypted by the encryption processing unit 28 of the card issuer / bank system using the card issuer / bank private key value, and the encrypted transaction response information is stored in the message of the card issuer / bank system. The relay unit 27 transmits the electronic transaction gateway 14 to the mobile terminal through the wireless communication network. The mobile terminal 10 receiving the encrypted transaction response message performs decryption using an encryption key value stored in the mobile terminal 10 through an encryption processing unit 22, and decrypts the transaction response. The message is displayed on the display through the input / output processing unit 20 to complete the transaction.

Next, FIG. 22 illustrates the flow of electronic payment using an electronic transaction system using a wireless network according to the present invention.

First, the buyer or seller presses a transaction start button using a mobile terminal (PCS or cellular phone, etc.) and selects a transaction type. Select the transaction type to select a transfer card or account if the seller's mobile terminal, enter the buyer's card or account number, and the expiration date.If the buyer's mobile terminal, select the payment card or account and the seller Enter your account number. Next, input the amount of goods or services to be traded, the installment period, the password of the buyer card or account, and the password of the seller / buyer. Next, all of the inputted information is encrypted or only a portion of the input information that requires security is encrypted as described above, and the transaction request message is transmitted to the electronic transaction gateway through the data transmission system of the wireless communication network. Upon receiving the transaction request message, the message relay unit separates the encrypted password of the seller or the buyer from the transaction request message and decrypts it using a user private key value input to the electronic transaction system when registering the electronic transaction of the mobile terminal. The mobile terminal and the user are verified with the decrypted user password, and if it does not match, a non-tradeable message is sent to the mobile terminal, a rejection message is displayed on the display of the mobile device, and the transaction is terminated. The transaction request message with a separate password is transmitted to a financial institution system such as a card issuer and a bank. The card issuer or bank system receiving the transaction request message from the wireless network electronic transaction gateway separates the password of the encrypted card or account and registers the card issuer / bank encryption key (Private) inputted to the card issuer or bank system when registering the mobile terminal electronic transaction. Key) to decrypt and verify the decrypted password. If the password does not match, the transaction rejection code is generated as the response code. If the password is matched, the transaction approval code is generated. Next, response codes such as the generated transaction rejection code or transaction approval code are encrypted, and the encrypted response code is transmitted to the portable device. The portable device receiving the encrypted response code decrypts the response code and displays an approval message and an approval number on the display in the case of an approval code, establishes a transaction, and ends the transaction. Mark the transaction and terminate the transaction.

If the authorization number is displayed on the display of the buyer or seller's mobile terminal according to the above procedure, the seller writes the authorization number and other details on the receipt or slip, seals the purchaser's signature, and hands over the receipt along with the goods to establish the transaction. do.

Next, FIG. 23 shows a system in which various tickets can be purchased using the wireless network electronic transaction system according to the present invention, and the tickets are sold to the electronic transaction gateway of the wireless network electronic transaction system as a credit or debit card. It is a system that can be connected to the ticket seller's system to purchase a ticket using a mobile terminal. In this system, the user can present the contents of the ticket displayed on the display of the portable terminal to the ticket clerk without having to receive a separate ticket and enter or ride the ticket.

Next, FIG. 24 shows a procedure for purchasing a ticket using the wireless network electronic transaction system of the present invention. First, a ticketing service of a mobile terminal is selected, and the time and seat displayed on the display of the terminal according to the ticketing service selection are shown. And then enter the password of the buyer's card or account, which is not shown on the display for security reasons. You continue to enter the buyer's password, which is not shown on the display for security reasons. As described above, when input of information such as ticketing type selection, purchaser card or account number password, and purchaser's password is completed, the input contents are displayed again for reconfirmation, and then transmission or cancellation is selected. If you press the Cancel button, the transaction is terminated. If you press the Send button, the transaction is sent to the wireless network electronic trading gateway. The message relay unit of the electronic transaction gateway receiving the ticket purchase request message separates the encrypted password of the buyer from the message and decrypts it using a user private key value input to the electronic transaction system when registering a mobile terminal electronic transaction. . The mobile terminal and the user are verified using the decrypted user password, and if not, the non-purchasing message is transmitted to the mobile terminal to display a rejection message on the display of the mobile device, and then the transaction is terminated. A ticket purchase request message having a separate user password is transmitted to a financial institution system such as a card issuer and a bank, and selected information such as the type, time, and seat of a purchase ticket is transmitted to the ticket seller's system. The card issuer or bank system receiving the ticket purchase request message from the wireless network electronic transaction gateway separates the password of the encrypted card or account and registers the card issuer / bank encryption key (entered in the card issuer or bank system when registering the mobile terminal electronic transaction). Private key) value, and the decrypted password is verified. If the password does not match, the purchase rejection code is generated as a response code. If the password is matched, a purchase approval code is generated. Next, the response codes such as the generated purchase rejection code or the purchase approval code are encrypted, and the encrypted response code is transmitted to the electronic transaction gateway. When the response code is received, the electronic transaction gateway transmits the response code to the portable terminal to display the purchase failure message on the display of the portable terminal, and transmits the purchase approval code to the ticket seller's system. The ticket seller's system receiving the information about the purchase ticket and the purchase approval code decrypts the purchase approval code by using the encryption key value transmitted when registering as the ticket seller, confirms the approval number, and then types, time and Information such as a seat is encrypted and transmitted to the mobile terminal. The portable terminal receiving the ticket information decodes the information and displays the information on the display, and the buyer confirms / stores the displayed ticket information. The stored ticket information arrives at the place where the ticket purchased by the purchaser is used and reappears on the display, and the displayed ticket information can be entered or boarded by showing to the ticket salesman. At this time, the information of the ticket displayed on the terminal to include a special character so that the user of the portable terminal can not be copied or forged by modifying or inputting. In addition, depending on the type of ticket, the contents stored in the mobile terminal are deleted by a signal of the electronic transaction gateway or automatically deleted after a predetermined time elapses.

As described above, a wireless network electronic transaction system using a wireless communication terminal according to the present invention enables mobile phone terminal holders that are currently used a lot to use as a mobile electronic payment and financial terminal through electronic transaction registration and input procedures. There is no need to purchase transaction terminals and communication devices, and service is possible regardless of place and time. Therefore, it can be used as a transaction terminal of a mobile shop or a salesman, and can also be used as a terminal for financial transactions of the general public.

In addition, when purchasing various tickets, the user can purchase and use the mobile terminal and immediately check and purchase the purchased ticket. Therefore, the user can present or display the contents displayed on his terminal to the ticket clerk without having to purchase a ticket. Can be.

In the above, only a part of the present invention is presented, but this is only an example and does not limit the scope of the present invention. Therefore, it will be understood by those skilled in the art that various changes may be made by those skilled in the art without departing from the spirit of the present invention.

Claims (11)

An electronic transaction system for requesting an electronic transaction from a mobile phone and receiving an electronic transaction response code for the requested message to perform an electronic transaction, A wireless communication mobile terminal which transmits the information on the electronic transaction request and receives a response code for the requested information and displays it on a display; A wireless communication network which transmits the transaction request information transmitted from the terminal, receives a response code for the transaction request information, and transmits the response code to the terminal; The wireless network that receives the transaction request information and verifies whether the transaction request of the terminal that transmits the transaction request information is legitimate and sends a transaction impossible message to the mobile terminal through the wireless communication network, and if so, transmits the transaction request information. E-commerce gateway, The credit card query service provider transmits legitimate electronic transaction request information received from the wireless network electronic transaction gateway to check whether the electronic transaction is approved, and transmits a response code for the inquired transaction request to the wireless network electronic transaction gateway. Inquiry system, And a transaction system of a card issuer or an account-holding bank for verifying an authorization inquiry for the electronic transaction and transmitting an electronic transaction response code to a credit card inquiry service provider. The method of claim 1, The mobile phone includes an input / output unit for inputting an electronic transaction request message for electronic transaction, and displaying an input content and an electronic transaction acceptance permission; An encryption processing unit for encrypting terminal passwords requiring security among the input contents; And a transaction processing unit which transmits the input contents to the encryption processing unit or the transaction decrypted by the encryption processing unit to send a response message to the input / output unit. The method of claim 2, The encryption method of the encryption processing unit is a wireless electronic transaction system using a mobile phone, characterized in that using a key download method or a key transmission method. The method of claim 1, In the wireless communication network, receiving a transaction request message from the mobile phone and transmits to the wireless network electronic transaction gateway, and a data transmission system of a wireless communication network for transmitting a message received from the wireless network electronic transaction gateway to the mobile phone. Wireless electronic trading system using a mobile phone. The method of claim 4, wherein And the data transmission system is an SMS center when the wireless communication network is digital mobile communication or PCS communication. The method of claim 1, The wireless network electronic transaction gateway may include a message relay unit for receiving a transaction request message and transmitting a transaction response message; Decryption processing unit for decrypting the password for confirming the correct use of the phone, such as the password of the mobile phone of the transaction request message received from the message relay unit; And a transaction information system for comparing and verifying the contents decrypted by the decryption processing unit with the registered contents, thereby determining a transaction approval and a transaction impossibility. The method of claim 6, And the decryption processing unit decrypts using a key down load method or a key transmission method. The method of claim 1, The e-commerce gateway has a user address that is inputted in advance to automatically deliver the purchased goods to the buyer's address, and is connected to the ticket seller to receive the ticket purchase information and the purchase approval code and sell the desired tickets wirelessly. Wireless electronic trading system using a mobile phone, characterized in that it further comprises a system. An electronic transaction method using an electronic transaction system for requesting an electronic transaction using a mobile phone and receiving an electronic transaction response message for the requested message to perform an electronic transaction, (1) a network link step of accessing a communication network to initiate an electronic transaction using a wireless network; (2) a mobile phone input / output step of inputting seller and buyer request information into the mobile phone and displaying the information on the display window of the phone and transmitting the information to the electronic transaction gateway; (3) The electronic transaction gateway receiving the requested information from the cellular phone compares and searches with the previously inputted user information, verifies whether the user matches the cellular phone, and transmits the transaction request information to the financial institution system only when it matches. User verification step; (4) a financial institution system that receives the information transmitted from the electronic transaction gateway, performing a transaction procedure through a user password verification process and transmitting a result to the mobile phone; And (5) a transaction confirmation step of receiving a transaction rejection or transaction approval result information in the transaction approval step and ending the transaction after displaying on the screen by the mobile phone. The method of claim 9, In the network link step, a wireless communication network is used; In the mobile phone input / output step, the electronic transaction gateway receives information necessary for a transaction from a user as it is or encrypts it; In the cellular phone and user verification step, it is verified whether the encrypted one is a transactable user by decrypting with an encryption key; In the transaction approval step, the card issuer or the bank decrypts the encrypted card number or the account password and transmits the verification result to the gateway; And In the transaction confirmation step, the electronic transaction method using a wireless electronic transaction system, characterized in that receiving and decoding the encrypted response message to show the result of the approval or rejection to the user and corresponding processing. The method according to claim 9 and 10, The communication network link step is an electronic transaction method using a wireless electronic transaction system, characterized in that using a PC communication network.

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