KR100325684B1 - Method for paying a charge of goods using mobile phone - Google Patents

Abstract

The present invention provides a payment history of the price of the goods that are requested from the goods buyers through the mobile communication terminal, through the communication terminal of the goods sales company at the request of the goods seller, so that the goods purchase and sales are made A method of payment for goods using a terminal, comprising: a first step of accessing a goods payment server which stores personal information for each subscriber through a mobile communication terminal; A second step of transmitting, to the payment server through the mobile communication network, the payment data for the goods payment including the identification information of a specific goods seller and a specific goods buyer; A third step of determining whether to approve payment of the goods price based on the payment request data and the used amount; A fourth step of storing the goods purchaser identification number and the payment approved amount in payment details when determining the payment approval of the price of the goods; And a fifth step of extracting and transmitting details of payments made by the specific goods purchaser to the goods sale company from among the stored payment details when requesting confirmation of payment details through the communication terminal of the goods sale destination connected after the fourth step. The user (buyer) can easily pay for the goods using the mobile communication terminal, and the goods sales agency can easily check the payment history of the goods through the existing communication terminal, and move without paying additional costs. It can be sold using a communication terminal is a very useful invention that can attempt to spread credit transactions.

Description

Method for paying a charge of goods using mobile phone}

The present invention relates to a payment method for goods using a mobile communication terminal, and more particularly, the details of payment of goods paid for payment through a mobile communication terminal from a goods purchaser, and the corresponding merchandise distributor By providing through the communication terminal of the goods purchase and sale is made, and the purchase price is related to the payment method for goods using the mobile communication terminal to be paid with the telephone bill.

In the conventional method of payment for goods purchased and sold, it is usually made in cash or by using a credit card possessed by a user (buyer). After purchasing the goods, the credit card is presented, and accordingly, the merchandise store uses the provided credit card inquiry terminal to make an inquiry request to the credit card payment server and is approved.

However, credit cards that must be carried in order to use these payment methods are frequently lost, and even if they are lost, they are often used for high-value transactions of more than tens of thousands of dollars rather than small transactions. While not aware of the loss, it is frequently used in malicious transactions such as fraudulent transactions.

In addition, since the credit card checks the authenticity of the user by the magnetic strip method, the credit card is vulnerable to forgery, which causes damage of more than tens of thousands of won caused by the forgery credit card.

In addition, since the transaction of goods using a credit card has to go through a cumbersome procedure at a store, it is not actually made in a small transaction, and a credit card holder also has to carry a certain amount of cash to purchase a small amount of goods. The retailer who wants to sell the goods by credit card has the additional cost to secure a separate inquiry terminal for reading and verifying the credit card. Therefore, the small shops that are mostly small transactions accept credit card transactions. It was true that it was difficult to do.

In addition, as described above, the user may purchase the goods through a telecom distributor instead of purchasing the goods directly at the merchandise store. When the user makes a direct call and establishes a telephone connection, the user speaks personal information, such as a product, a receiving address, and a credit card number, over the telephone and receives the personal information. In the company, the payment request is made to the credit card settlement server using the entered credit card number.

However, even in such a transaction method, there is a problem that a user must report his or her personal information to a merchandise distributor through a communication medium such as a telephone every time a purchase is made.

Accordingly, an object of the present invention is to provide a method for payment of goods using a mobile communication terminal, which is designed to solve the above problems and enables safe and convenient trading of small items without using cash. Is there.

Figure 1 shows the overall network configuration of the payment method for goods using a mobile communication terminal according to the present invention,

FIG. 2 shows a detailed configuration of a payment server for goods in the network configuration of FIG. 1;

3 is a flowchart showing the flow of a preferred embodiment of the payment method for goods using a mobile communication terminal according to the present invention,

4A and 4B show personal information of registered users and product sales agents stored in the hard disk of FIG.

FIG. 5 illustrates payment of goods stored in the hard disk of FIG. 2 according to payment of goods according to the present invention.

※ Explanation of code for main part of drawing

100: mobile communication terminal 200: CDMA mobile communication network

300: payment server for goods 310: network connection

320: DTMF conversion / detection unit 330: central processing unit

331: memory 332: ROM

340: voice data processing unit 350: voice storage disk

360: hard disk 370: clock part

380: Voice Restoration Machine 400: Goods Sales Agent

500: public telephone network (PSTN)

In order to achieve the above object, the payment method for goods using a mobile communication terminal according to the present invention comprises a first step of connecting to a goods payment server storing personal information for each subscriber through a mobile communication terminal. ; A second step of transmitting, to the payment server through the mobile communication network, the payment data for the goods payment including the identification information of a specific goods seller and a specific goods buyer; A third step of determining whether to approve payment of the goods price based on the payment request data and the used amount; A fourth step of storing the goods purchaser identification number and the payment approved amount in payment details when determining the payment approval of the price of the goods; And a fifth step of extracting and transmitting details of payments made by the specific goods purchaser to the goods sale company from among the stored payment details when requesting confirmation of payment details through the communication terminal of the goods sale destination connected after the fourth step. It is characterized by what is done.

In the payment method for goods using a mobile communication terminal, the goods purchaser first connects to the goods payment server using his mobile communication terminal, and identifies the goods buyer and the goods seller according to the call connection. The bill payment request data including the information is transmitted from the mobile communication terminal to the bill payment server connected thereto via a mobile communication network.

Accordingly, the goods payment server determines whether to approve payment of the goods requested for payment, based on the transmitted payment request data and the amount used by the identified buyer. In this case, the goods payment server will store the goods buyer identification number and the payment approved amount in the payment history.

Subsequently, upon request for confirmation of payment details through the communication terminal of the connected goods seller, the goods payment server extracts only the details paid by the specific goods buyer to the goods seller from among the stored payment details. By transmitting through the communication terminal of the merchandise distributor, the merchandise distributor can confirm the approval of payment of the merchandise.

Hereinafter, an embodiment of a payment method for goods using a mobile communication terminal according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating an entire network configuration of a payment method for goods using a mobile communication terminal according to the present invention, a mobile communication terminal (hereinafter referred to as a "mobile phone") 100, a CDMA mobile communication network 200, an article A commodity sales agent (merchant) 400 having a payment server 300 and a terminal wirelessly connected to the CDMA mobile communication network 200 (or a wired connection to a general public telephone network (PSTN) 500). It is configured to include.

FIG. 2 illustrates a detailed configuration of the goods payment server 300 in the entire network configuration of FIG. 1, which is connected to the CDMA mobile communication network 200 and transmits and receives connection signaling and signals. 310); A DTMF conversion / detection unit 320 for converting and transmitting a telephone number into DTMF tones and detecting a received DTMF tone; A voice data processor 340 for digitizing the voice received through the network connection unit and extracting voice features such as voice patterns; A voice storage disk 350 in which voice guidance messages are stored in data form; Personal information such as the program, each individual subscriber (item purchaser) address, telephone number, available balance, password, and information (accession number) of the registered sales agent, and payment details according to the payment authorization Hard disk 360; A clock unit 370 keeping track of the current date and time; A voice restorer 380 for restoring and compressing the compressed voice data stored in the voice storage disk 350 and transmitting the converted voice data into a voice message; A memory 331 in which data is temporarily stored; And a central processing unit 330 for executing a program on the ROM 332 and the hard disk 360 to perform an operation such as searching for the hard disk 360 and updating and storing data.

Figure 3 is a flow chart showing the flow of a preferred embodiment of the payment method for goods using a mobile communication terminal according to the present invention, in the following with reference to the network configuration of Figure 1 and the detailed configuration of the payment server of FIG. 3 will be described in detail with respect to the payment method for goods.

First, a user applies for a subscription to a mobile communication provider in order to conduct a transaction using a mobile communication terminal, and is assigned at the time of subscription to the goods payment server 300 at periodic time intervals (for example, monthly). A predetermined amount is set, and the set amount is stored in association with the user's personal information in the price payment server 300, and the predetermined amount is reduced by the amount of use every time the user uses it.

In addition, since the user's mobile phone number and the unique identification code of the mobile phone is stored in the mobile phone 100 in advance, the user can request the payment of the price of the goods using the mobile phone 100, the corresponding goods payment server ( When a specific telephone number specified in 300), for example, a number such as '* 89' is inputted using a dial button provided in the mobile phone 100, the telephone number of the input destination is transmitted through a nearby base station. It is transmitted to the CDMA mobile communication network 200, in which the mobile phone number of the user and the unique identification code of the mobile phone is stored in the mobile phone 100 is transmitted together.

The base station that has received the call connection request data from the mobile phone 100 transmits the call destination requested destination data to the connected exchange, and the exchange control center (not shown) connected to the exchange is received by the user's mobile phone. Check the legitimacy of the user from the phone number and the unique identification code, and if the user is a legitimate user, request a call using the access number (phone number) of the corresponding destination received when the call is requested, and call the corresponding payment server 300 The connection is made (S10).

When the call connection with the goods payment server 300 is made, the central processing unit 330 in the payment server 300 recognizes this fact through the network connection unit 310, the network connection unit 310 From the incoming call signal of the digital form received directly from the phone number of the call-connected mobile phone 100 is confirmed.

Accordingly. The central processing unit 330 searches the hard disk 360 in which the personal information of the user and the product sales agency are stored, as shown in FIGS. 4A and 4B, and confirms whether the confirmed telephone number exists. If the telephone number exists, it is confirmed that the user is a registered subscriber.

When the user is identified as a subscriber as described above, the central processing unit 330 reads compressed voice data corresponding to the entire service selection guide message among voice guide messages previously stored in the voice storage disk 350. The read voice data is restored by the voice restorer 380 and converted into a voice message, and then output to the call-connected mobile phone 100 through the network connection unit 310, so that the user pays for the goods payment server ( The voice message provided from 300 is heard, and the goods payment server 300 is in a service waiting state waiting for a user's response.

The entire service selection guide message may be a voice guide with the following contents.

Press the number of the service you want.

No. 1: Balance inquiry

No. 2: Lost Report

No. 3: Electronic payment

4: use history search '

......................

The user selects a specific item desired for service among all the service items described above (S11), and the designation of the specific item is designated through the dial button on the mobile phone 100 according to the user's selection, or the user's development Can be specified via input.

When the user selects the number 3, that is, the 'electronic payment' service item in the mobile phone 100 through a nurturing input (S20), the central processing unit 330 through the network connection unit 310 The voice of the received user is converted into digital compressed data through the voice data processing unit 340, and stored in association with the retrieved user telephone number together with the current date and time read out from the clock unit 370. The voice data processor 340 extracts the feature of the voice pattern from the converted voice data of the user, and the central processing unit 330 pre-stores the feature of the extracted voice. It is recognized that the service item 'electronic payment' has been selected in comparison with the features of the word.

As such, storing the growth and transaction date and time input by the user on the mobile phone 100 on the hard disk 360 in the goods payment server 300 may be performed when the user later encounters a problem such as disapproval of the user. This is to be used as evidence to prove the direct transaction.

Subsequently, the central processing unit 330 reads a guide message requesting sequential input of necessary data for the selected electronic payment from the voice storage disk 350 and connects the call through the network connection unit 310. The mobile phone 100 is outputted, and the goods payment server 300 is in the service waiting state waiting for the user's response again.

The user who listens to the voice announcement message through the mobile phone 100, the phone number, the price of the goods, their password, etc. of the corresponding goods sales agency 400 which is necessary data for electronic payment according to the voice announcement message In order to input through the dial button provided in the mobile phone 100 in order to input (S21), the DTMF conversion / detection unit 320 detects the DTMF signal sequentially input through the network connection 310 The CPU 330 checks the data input by the user from the detected DTMF signal.

The CPU 330 retransmits the prestored voice data corresponding to the identified input data to the call-connected mobile phone 100 through the network connection unit 310, thereby allowing the user to send his / her own. You can check the data again by listening to the voice message.

Through the voice message, the user reconfirms the data inputted for the payment of the goods, and if there is an error according to the result of the confirmation, the user returns to the procedure and takes appropriate action such as re-entering the data. .

In the above embodiment, the input of the necessary data for the payment of the goods, in addition to the above dial button input, as well as through the user's development input and the pattern extraction and comparison thereof, as in the selection of the 'electronic payment' service item described above. It is possible.

Subsequently, the central processing unit 330 compares the user's password with the password stored in association with the user's telephone number retrieved from the hard disk 360 among the input data (S22) to confirm the validity of the user. When the two passwords are the same as a result of the checking (S30), the central processing unit 330 determines that the user is a legitimate user, and determines whether to approve payment of the requested item price.

To this end, the central processing unit 330 compares the payment price of the requested item and the available balance of the user stored in association with the user phone number retrieved from the hard disk 360 (S31), the price of the goods It is determined whether to approve payment. If the comparison result does not exceed the currently available balance (S40), the CPU 330 approves the payment of the goods price. In operation S41, the central processing unit 330 updates the available balance of the user, which is pre-stored in the hard disk 360, to the amount subtracted from the price of the requested item. In addition, the payment details are stored in association with each other as shown in FIG. 4A (S42).

In addition, the central processing unit 330 records the payment details according to the payment approval of the goods in the form of FIG. 5 in the sales history file separately designated on the hard disk 360, and when storing the sales details The new payment details are added and stored on the payment details associated with the phone number of the sales representative 400.

Subsequently, the central processing unit 330 notifies the call purchaser's mobile phone 100 of the payment approval according to the payment of the item price. For this purpose, the central processing unit 330 approves the payment. By providing whether or not and the available balance in the form of a voice message to the call-connected mobile phone 100, the user can check whether the payment approval of the payment for the goods and the balance available in the future.

By the way, when the central processing unit 330 notifies the settlement approval and the available balance, the central processing unit 330 may also notify the user in the form of a short message based on a short message service protocol, which is one of mobile communication services, not a voice message. The short message service may be used to exchange short text messages between mobile terminals or between a mobile terminal and a receiving device to receive the short message using an access / paging channel or a traffic channel. As a service, the size allocated to the user data field is up to 255Charecter.

As described above, the central processing unit 330 constructs a short message including the paid item price information, through the CDMA base station currently adjacent to the access channel, and purchases the short message. Will be transmitted to the mobile phone (100).

Thereafter, when the buyer who paid the goods price informs the fact of payment to the merchandise sales agent (merchant) 400, the operator of the merchandise sales merchant 400 calls the merchandise payment server 300 through the provided terminal. The request for connection is made to the call payment server 300 and the call connection is made (S50), wherein the communication terminal provided in the goods sales affiliated store 400 is a CDMA mobile communication terminal, or a wired telephone (or wired dedicated payment terminal) In the case of a wired terminal, a call connection is made through a public telephone network (PSTN) 500.

When the central processing unit 330 in the payment server 300 recognizes this fact through the network connection unit 310, the call connection is received from the digital incoming call signal received directly from the network connection unit 310. The phone number of the communication terminal provided in the goods sales affiliated store 400 is checked, and the checked phone number is searched from the hard disk 360 to determine whether it is a registered merchant phone number. When the phone number is a registered merchant phone number, the sales history of FIG. 5 stored in the specific file form of the hard disk 360 is searched again to read the sales history corresponding to the input telephone number. (S51) Temporarily stored in the memory 331.

The product sales affiliated store 400 requests confirmation of payment details of a specific user transacted by its affiliated store 400 through the provided communication terminal, in order to designate the specific user, the product sales affiliated store 400 ) Enters the mobile phone number of the specific user on the provided communication terminal.

When the payment history corresponding to the input phone number is retrieved from the sales history temporarily stored in the memory 331, the central processing unit 330 is the transaction history of the specific user, that is, the payment history (payment of goods and payment date) City, etc.), and transmits the request to the terminal of the item sales affiliated shop 400 (S52).

As such, when the payment for the goods is confirmed in the merchandise sales merchant 400, it is assumed that payment is made for the delivered goods or the already delivered goods (including food, etc.), and the purchaser is allowed to enter.

In addition, when the payment history is transmitted, the central processing unit 330 is previously stored in the hard disk 360 when the user selects 'provide personal information' from the menu provided at the time of the electronic payment. By sending together the personal information such as the address, name, phone number of the merchandise sales affiliated with the terminal, the sale or sale at the same place, not the remote location, that is, mail or at the merchandise merchant 400 It is also possible to purchase goods using a mobile communication terminal in a sales method of providing goods to a user through a parcel delivery service.

In the case where each subscriber purchases goods without using cash through the mobile communication terminal according to the above-described process, the goods payment server 300 is a periodic time interval (for example, monthly) of each subscriber By calculating the total usage fee (goods price and phone charges) and providing it to the user in the form of a notice, the user pays the usage fee for purchasing the goods for a certain period of time together with the mobile phone service provider. When the fee according to the purchase is paid, the goods payment server 300 initializes the limit amount of the purchase of the corresponding subscriber to the predetermined maximum amount.

In the payment method for goods using a mobile communication terminal according to the present invention as described above, the user simply pays for the goods using a safer mobile communication terminal for forgery, without having to carry cash or credit card with a high risk of loss. In order to receive the credit card number for the payment of the goods and the purchased goods through a mail or a courier service, the hassle of reporting personal information such as his / her address to the goods sales agency is eliminated. In addition, the merchandise sales agency can easily check the payment history of the commodity price through the existing communication terminal, it is a very useful invention that can be used to spread the credit transaction by selling using a mobile communication terminal without paying additional costs.

Claims (8)

In the payment method of goods, A first step of making a call through a mobile communication terminal to a goods payment server which stores personal information for each subscriber; A second step of transmitting, to the payment server through the mobile communication network, the payment data for the goods payment including the identification information of a specific goods seller and a specific goods buyer; A third step of determining whether to approve payment of the price of the item based on the amount of money used from the payment request data and the stored personal information; A fourth step of storing the goods purchaser identification number and the payment approved amount in payment details when determining the payment approval of the price of the goods; And And a fifth step of extracting and transmitting the details of payments made by the specific goods purchaser to the goods sale company from the stored payment details when the payment history confirmation request is made through the communication terminal of the goods sale destination connected after the fourth step. Payment method for goods using a mobile communication terminal made. The method of claim 1, And transmitting the data through a code division multiple access (CDMA) mobile communication network line. The method of claim 1, Identification information of the goods buyer, the payment method for goods using a mobile communication terminal, characterized in that the mobile communication terminal is configured to include a phone number of the terminal that is automatically sent in response to a call connection through a mobile communication network. The method of claim 1, The fourth step, when determining the payment approval of the goods price, further comprising the step of transmitting the payment for goods payment approval to the mobile communication terminal through a mobile communication network, characterized in that the payment for goods using a mobile communication terminal Way. In the payment method of goods, A first step of receiving, through a mobile communication network, payment request data of an item price including an identification information of a specific goods seller and a particular goods buyer from a call-connected mobile communication terminal; A second step of specifying a buyer from the identification information of the buyer of the goods; Confirming the purchase amount of the purchaser from previously stored personal information of the specified purchaser, and determining whether to approve payment of the goods price based on the confirmed use amount and the received payment request data; Three steps; A fourth step of, when determining payment approval of the goods price, storing the goods purchaser identification number and the payment approved amount in a sales history of a corresponding merchandise distributor specified from the merchandise seller identification information; And A fifth step of extracting and transmitting the payment details of the specific goods purchaser from the stored sales details when the payment history confirmation request is made through the communication terminal of the goods sales destination connected after the fourth step; Payment method for goods using a mobile communication terminal comprising a. The method of claim 5, The fourth step may further include updating the available balance of the buyer of the goods on the basis of the goods price included in the payment request data of the goods price when determining the payment approval of the goods price. Payment method for goods using a mobile communication terminal. The method of claim 5, The first step, Outputting a voice selection menu to the call-connected mobile communication terminal; Confirming that the item payment request is made from the voice data received after the voice output; And And receiving, through the mobile communication network, payment request data of the price of the goods, including the identification information of the goods seller and the goods buyer, from the call-connected mobile communication terminal according to the verification result. Payment method for goods using a mobile communication terminal. The method of claim 7, wherein The received voice data, payment method for goods using a mobile communication terminal, characterized in that stored in the payment details for the particular buyer.