KR100485759B1 - Method for authorizing paying the price using a messenger function - Google Patents

Abstract

In the payment authentication method of the payment authentication system using the messenger function of the present invention, a web PDA / phone client 200 and a web PDA / phone server 300 check member's personal information, mobile phone number and payment product information. Confirming purchase information by sending a confirmation signal (S202); After the server receives the confirmation signal, the step of transmitting the authentication code to the mobile phone of the buyer (S203); Buyer takes the authentication code from his mobile phone, and sends a payment authentication confirmation to the server again using a messenger function (S206); When the server receives the authentication confirmation from the purchaser, the payment is confirmed to be completed, and the product may be authenticated to send the product to the seller, and the final authentication may be made to the server of the mobile communication company; And finally, the server sends a usage confirmation email to the client, whereby the purchaser finally confirms whether the purchase was made as intended. By including, the payment authentication is made by using the messenger function, and it is possible to authenticate all the various payment authentication methods with high security from mobile phone payment, credit card payment, bank account transfer payment and cyber cash payment. .

Description

Payment method using the messenger function {METHOD FOR AUTHORIZING PAYING THE PRICE USING A MESSENGER FUNCTION}

The present invention relates to a payment authentication method using a messenger function.

In general, e-commerce that is different from the existing distribution method is progressing at a faster speed, and the consumption pattern is changing with online distribution such as home shopping or catalog shopping, mainly with e-commerce.

In particular, even in the case of content such as education, which has been determined to be solved only offline, sites that provide it online have been established and are currently reaching a level where life can be achieved only by services provided online.

In addition, in line with such a trend, authentication of payment methods that can be safely and conveniently performed on the Internet website for electronic commerce is required.

Recently, a method of using a mobile communication system for making a small amount of money of a certain amount of only tens of thousands of won or less has been proposed, for example, Korean Patent Application Publication No. 2000-6796. According to the first conventional technology, a user sets an ID and a password for a mobile communication company and his or her Internet item purchase (this step may be omitted by an unwanted consumer), and a mobile phone holder may purchase content or an item to be purchased on the Internet. If you select and tell the seller your mobile phone number or your mobile carrier's ID in advance (if you enter it on the web), the seller forwards the purchase information and the mobile phone number or the above ID to the mobile carrier. , The carrier checks whether the number or ID is a normal user status, provides the information to the seller (user authentication), and the seller generates a password (usually one-time use), and if the input is a mobile phone number, Sending a password (by text message, etc.), and entering the username moves the password generated by the seller The new company will get sent to the mobile phones of consumers. Alternatively, after confirming the normal user of the mobile communication company, the mobile communication company instead of the seller may generate a password and deliver it to both the consumer and the seller. The consumer confirms that he is the owner of the mobile phone by directly inputting the password from his mobile phone on the seller's site. The seller compares the password entered by the consumer with the generated one and sells the item or content if it matches. The purchase price is added to the mobile phone bill that the customer pays monthly, and after the consumer pays the bill, the mobile carrier gives the seller an amount excluding the storage agent and the authentication fee. In the above method, when a small amount of content is desired on the Internet, the content can be purchased immediately, and a content provider can provide a high-quality information for a fee by constructing a secure and effective payment system, thus having a stable revenue source without resorting to banner advertisements. have. In addition, consumers can prevent accidents caused by lost mobile phones by limiting the total amount of money they can use to make purchases.

On the other hand, the Republic of Korea Patent Publication No. 2000-36574 is another credit settlement system and approval method using a mobile communication settlement number as a credit settlement means. This second prior art, as shown in Figure 8,

Credit settlement approval system (4) and purchaser (2), including credit devices of existing mobile telecommunication service provider (1) and computing devices installed by seller (31) having existing general commerce and e-commerce network The mobile communication terminal 21 is made of a configuration that works in conjunction with each other. That is, the conventional system has a customer management system 11 and a short message system 12, as shown in FIG. 8, and communicates with the credit settlement approval system 4 via TCP / IP. (2) the mobile communication terminal 21 and a mobile communication service provider 1 for transmitting a short message; A credit settlement approval system for performing a credit settlement procedure of a specific buyer requested by a seller by performing wired communication with the mobile communication provider 1, including a general commerce and an e-commerce network (3), through a TCP / IP method ( 4) and; Conduct an e-commerce transaction with the seller (31) via the Internet, or by placing an order or information orally directly from a product order or a general store via telephone, and the transaction details and transaction confirmation number received from the mobile telecommunications provider (1) A buyer 2 for confirming and orally notifying the seller 31 of the transaction confirmation number; Requests for credit verification by sending transaction details and mobile communication number according to buyer's request to credit settlement approval system 4 and approves the transaction confirmation number and transaction details received from buyer 2 through computer network It is composed of a seller 31 to notify the approver again and receive credit approval.

In addition, the second prior art method comprises the steps of: building a credit information database for a mobile communication telephone number in a credit settlement approval system (4); A purchaser (2) selecting a product (or service) from an Internet e-commerce (or a store of physical commerce or a telephone of a door-to-door sales) and claiming a credit settlement using a mobile communication telephone number (S2); Seller 31 transmits the transaction details (transaction number, mobile phone number, seller name, charge amount, product list, etc.) to the credit settlement approval system 4 through a computer network, requesting transaction confirmation (S3) )Wow; Evaluating whether the credit settlement approver of the credit settlement approval system 4 can approve the credit for the mobile communication telephone number and transaction details (billing amount) received from the transaction confirmation request (S4); The purchaser's mobile communication terminal 21 transmits the transaction details and the transaction confirmation number that the credit approval approvers received the transaction confirmation request through the short message service (or wireless Internet service) of the mobile communication service provider 1, which is the existing mobile communication service network. Notifying (S5); Confirming, by the purchaser (2), the transaction confirmation requested transaction details and the transaction confirmation number received from the payment approver via the mobile communication terminal (21) (S6); Confirming the transaction by notifying the seller (over the Internet, by telephone, or orally) of the transaction confirmation number received from the payment approver via the mobile communication terminal 21 of the buyer (S7); The seller 31 notifying the settlement applicator of the transaction confirmation number and the transaction details received from the buyer through the computer computer network to request credit approval (S8); Approving the credit settlement (S9) if the credit approval person compares the transaction confirmation number received from the seller 31 with the transaction confirmation number sent to the buyer in step S5; Step S10 of notifying the seller (or the seller and the buyer) of the credit approval result of the credit approval; The credit approval approver recording the credit approval approval history and adjusting the credit limit (S11); Step S12 of claiming and accepting credit settlement charges by the credit settlement approver; Characterized in that the credit settlement approvers step (S13) of calculating the credit approval approval for each seller. In the method of the second prior art having such a step, in the credit approval step, information is exchanged between the payment approver and the seller, the payment approver and the buyer, and the seller and the buyer, and the credit approval applicator is generated. (Step S5), the buyer notified to the seller (step S7), and the seller sends the transaction confirmation number notified through the buyer to the credit approval applicator. (S8), and the credit approval approval is made by comparing the transaction confirmation number generated within itself with the transaction confirmation number received from the seller through each step (step S9). As a result, credit approvers and sellers can clearly verify that they are the actual owners of the mobile phone number presented by the buyer. In addition, in the step S6, the buyer confirms the transaction details of the seller and confirms the transaction details presented by the seller to the buyer and the settlement approver clearly, and confirms each verification step by the credit settlement approver (step (S9)), it is possible to reliably perform credit settlement and credit settlement.

However, such a credit payment method authentication of the prior art, the use is limited to only a mobile communication device, it is possible to only one of the credit payment, such as payment using a mobile phone or card payment, and further, the security level is still low.

It is a first object of the present invention to provide a method for confirming payment using a messenger function such as a web PDA / phone.

In addition, a second object of the present invention is to provide a payment authentication method applicable to payment by a mobile phone or a credit card, as well as payment by a bank account transfer or a cyber cash.

In addition, the third object of the present invention, the payment method using the authentication code issued by the credit settlement approval service provider, but the payment system authentication system applying a security system with a higher security level covering all mobile phone number, membership number and email address To provide.

Further objects and effects of the present invention will become more apparent from the following detailed description of the invention described with reference to the accompanying drawings.

The payment authentication method of the payment authentication system using a messenger function including the web PDA / phone client 200 and the web PDA / phone server 300 according to the first aspect of the present invention for achieving the above object is a buyer. Selecting a product online and confirming that the member is required for payment authentication (S114); Selecting a payment method (S118); The WebPDA / phone client 200 and the WebPDA / phone server 300 send a confirmation signal confirming the member's personal information, mobile phone number and payment product information to the member's credit card number, the member's bank online. Confirming purchase information including at least one of information on an account number and information on a member's cyber cache (S202); After the server receives the confirmation signal, issuing an authentication code to a cellular phone of a purchaser (S203); Buyer takes the authentication code from his mobile phone, and sends a payment authentication confirmation to the server again using a messenger function (S206); When the server receives the authentication confirmation from the purchaser, the payment is confirmed to be completed, and the product may be authenticated to send the product to the seller, and the final authentication may be made to the server of the mobile communication company; And finally, the server sends a usage confirmation email to the client so that the purchaser finally confirms whether the purchase has been made as intended. Including, but the step of confirming that the member (S114), further comprises the step (S116) of retransmitting the password of the member to the mobile phone of the buyer, the resending step (S116), the member of the member password If a request for retransmission, step (S606) of asking a question entered at the time of registration or a simple question to guess whether the member himself or herself; And if the keyword in question matches the fact, transmitting the password to the member's mobile phone (S612).

delete

delete

delete

Preferably, the checking step (S202), the buyer selects the product in the shopping mall or the like and selects the payment authentication means as the payment authentication means, the product information from the seller side DB, the member information and the DB from the Web PDA / phone server Receiving a mobile number (S702, S704); Receiving and displaying, by the client, the purchase information (S706); And if it is determined that the purchase information is correct, checking the purchase information and sending it to the server (S708); Characterized in that it comprises a.

Hereinafter, a preferred embodiment of a payment authentication method and system using a messenger function according to the present invention will be described with reference to the accompanying drawings.

First, with reference to Figure 1 will be described the idea of implementing the Messenger function of the Web PDA / phone of the payment authentication system according to the present invention. Application and application data is stored in the web PDA / phone server 300 corresponding to the credit approval system according to the present invention, and the user's web PDA / phone client 200 is provided via TCP / IP and PDA / phone. The 400 receives an application and application data from the web PDA / phone server 300 through a wireless gateway. The web PDA / phone client 200 exchanges data with the PDA / phone 400 via a wired or wireless interface. Therefore, the user can request the authentication of payment for the web PDA / phone server 300 through the web PDA / phone client 200 or the PDA / phone 400 having a messenger function, and is required for such authentication procedure. A confirmation signal can be transmitted.

The payment system according to the present invention will be described with reference to FIG.

The payment system according to the present invention, in addition to the above Web PDA / phone client 200, Web PDA / phone server 300 and PDA / phone 400, the Internet user 100 corresponding to the general Internet browser and examples For example, a content provider 600 corresponding to a shopping mall site of a seller is connected to the web PDA / phone client 200. Web PDA / phone client 200 is a basic messenger function, in addition to having the 'SMS text transmission', 'WEB text transmission' function, etc., as shown in Figure 2, as an additional function 'cell phone payment', ' Credit card payment '. The web PDA / phone server 300 includes a security server 310, a web server 320, a DB server 330 and a file server 340, SMS ASP company 800, credit card company 900 and It is connected to a general bank 950 server. The SMS ASP company 800 is connected to the user's mobile phone 500 through the mobile communication company 700 so as to exchange short messages. Existing messenger is to send and receive a short message, only general computers are connected to each other, and in order to have a new function, the messenger itself needs to be upgraded, but the web PDA / phone client / server of the payment system according to the present invention. In the messenger, the program itself is downloaded and executed from the server to the client.

Now, the payment method authentication according to the present invention will be described with reference to Figures 2 to 4a to 7c.

Figure 3a is a payment authentication flowchart of the payment authentication method according to the present invention, Figure 3b is a detailed flow chart of the member ID and password confirmation of Figure 3a.

In addition, Figure 4 is a payment settlement authentication flow chart, Figure 4a is a mobile phone micropayment authentication flow chart of Figure 3, Figure 4b is a credit card payment authentication flow chart of Figure 3, Figure 4c is a pass-through payment authentication flow chart of Figure 3, FIG. 4D is a flowchart of cyber cache authentication of FIG. 3, and FIG. 4E is a detailed flowchart of confirmation of a member mobile phone number of FIG. 4A.

6 and 7 show an example of a messenger screen of a web PDA / phone client, FIG. 6A is a menu configuration diagram of the web PDA / phone client, and FIG. 6B shows a file up / down function of the web PDA / phone client. FIG. 7A is a view showing an initial display window when the mobile phone payment authentication is selected, and FIG. 7B is a view showing a display window of a secret code transmission and input state when the mobile phone payment authentication is selected, and FIG. 7C is a mobile phone. When the micropayment authentication is selected, the display shows the payment confirmation and the certificate issuing status.

As shown in Figures 2 and 3a, the buyer selects a product from a content provider 600, such as a shopping mall (S102), and the payment system (hereinafter referred to as 'square service payment system') of the present invention When the user selects the payment service according to the present invention by clicking the button (S104), the web PDA / phone client program is executed when the purchaser is a member. In performing the web PDA / phone client, first, the web PDA / phone payment window is activated and requires input of a member ID and a password (S114). However, if the purchaser is not yet a member, by clicking the download button to download the program of the payment system according to the present invention (S108), and to register (S110). When membership is registered, the member information is registered in the member DB of the web PDA / phone server 300 (S112).

On the other hand, in the payment system and method according to the present invention, the first method of confirming the buyer's sincerely requires the password of the square service member as described above, in case the member does not remember his password, If necessary, a service for resending the password to the cellular phone of the purchaser is performed (S116). That is, as shown in Figure 3b, the buyer enters his or her member ID (S604), if the password is not entered, the member is asked whether the password retransmission request (S605, S606). If the member requests the retransmission of the member's password, the question entered at the time of membership registration or a simple question to guess whether or not the member himself is asked (S606). This could be about your phone number. If the keyword in question matches the fact, it transmits the password to the member's mobile phone (S612). Therefore, the possibility that a third party intercepts the member's password is much smaller than the case where the password is notified directly to the browser screen as in the related art. This password retransmission is performed by exchanging member data between the web PDA / phone client and the member DB of the web PDA / phone server.

Now, by the Web PDA / phone client, the payment authentication service (aka 'square service') payment window is activated on the buyer's browser screen (or PDA / phone, as follows) as shown in FIG. 6A. As shown in the upper right of Fig. 6A, when the square service download is executed, the add-in program is downloaded to the messenger of the web PDA / phone client, and the pop-up window as shown in the active window is activated and displayed as an example. As shown in Fig. 6A, the main menu is shown at the top as an example. The main menu view format can be switched by clicking the web hard in the main menu, and the submenu is activated and displayed. Among the main menus, there may be menus such as 'cell phone payment', 'credit card payment', 'internet banking' and 'cyber cache'.

Furthermore, Fig. 6B shows the active window when the submenu is called with the right mouse. Drag and drop files are available.

Now, the buyer selects the payment method in the messenger active window of FIG. 6 (S118). If the buyer simply selects 'cell phone payment' as shown in FIG. 7 in order to simply pay a small amount of tens of thousands of won or less with a mobile phone, a mobile phone payment settlement routine is performed (S200), which is a web PDA / phone. Payment is made between the server and the mobile communication company server (700 in Figure 2). On the other hand, when the buyer selects 'credit card payment' in order to pay with the credit card, the credit card payment routine is performed (S300), which is a web PDA / phone server and a server of a credit card company (Fig. 1). 900) the payment is made between. On the other hand, when the buyer selects 'Payment transfer payment' in order to pay through bank transfer, the passbook transfer payment routine is performed (S400), which is a web PDA / phone server and a server of a general bank (Fig. 1). 950) is the form in which payment is made. On the other hand, when the buyer selects 'Cyber Cash Payment' to pay for electronic money, the cyber cash payment routine is performed (S500), which is a web PDA / phone server and the corresponding electronic money. Payment is made between servers in places (not shown).

As shown in Figure 4a, the mobile phone payment is started from the step of confirming the member's mobile phone number, payment product information, address and contact information (S202). In the confirming step (S202), as shown in Fig. 4E, when the buyer previously selects the product in the shopping mall or the like and selects the square service payment authentication means as the payment authentication means, the product information is displayed from the seller side DB. Side (S702), the member name, mobile phone number and address from the DB of the web PDA / phone server are also input to the web PDA / phone client side (S704), and the client receives these information, as shown in Fig. 7A. In the same manner, the information is displayed on the messenger output window (S706). If the purchaser checks the information and thinks that the purchase has been made according to his purchase intention, the user confirms the displayed information by clicking the bottom confirmation button of FIG. 7A (S708). The purchase information may be a member name, a mobile phone number, a product name, a price, an address, and a contact information.

The confirmation signal is sent to the DB of the server 300 (S710), the server now receives the confirmation signal, the authentication code is issued to the mobile phone of the buyer (S203). The above authentication code is usually issued in the form of a short message, and the purchaser takes the above authentication code from his mobile phone and inputs the authentication code received from the server and received by the mobile phone into the client messenger window as shown in FIG. 7B. By clicking the confirmation button, the payment authentication confirmation is sent (S206). Therefore, this step (S206) is a security step that the square service provider will identify the second true buyer. When the server receives the authentication confirmation signal from the purchaser, it confirms that the payment has been confirmed and authenticates that the product may be sent to the seller, and the final authentication that the payment may be made to the server of the mobile communication company is performed. As shown on the right, the authentication data is transmitted from the Web PDA / Phone server DB to the mobile communication server user DB, and the mobile carrier pays the seller to the seller and the buyer pays the bill for the mobile communication service. You will be charged from the buyer.

Finally, the server sends a confirmation email to the client to confirm that the buyer finally made the purchase as intended. If the buyer is not the true buyer, the true member who received the email is not eligible for shipping and payment. You will be able to confirm and correct the facts before payment. Therefore, this step S208 is equivalent to the third security step. Fig. 7C shows the transaction information displayed in the client window that the buyer can finally confirm when receiving an e-mail that the payment is completed from the server. Transaction information can be a member name, mobile phone number, product name, price, receipt number, and the like. In this case, clicking the confirm button may optionally simply close the active window of the client and again send the final confirm signal to the server for use in reconfirmation.

On the other hand, Figure 4b shows a credit card payment authentication flow chart (S300), as shown on the right side of Figure 4b, of course, the web PDA / phone server DB will exchange data with the user use DB of the credit card company server When the server sends the purchase information to the client, the member's mobile phone number, payment product information, address and contact information in addition to sending the member's credit card number, the client only checks the purchase information (S302) is different only the rest The procedure (S303-S308) is the same as the cellular phone payment method. Therefore, the purchase information to be confirmed by the buyer at this time is added to the credit card number in addition to the member name, mobile phone number, product name, price, address and contact information.

On the other hand, Figure 4c, there is shown a non-bank transfer payment authentication flow chart (S400), as shown on the right side of Figure 4c, of course, WebPDA / phone server DB will exchange data with the user use DB of the bank server When the server sends the purchase information to the client, in addition to the member's mobile phone number, payment product information, address and contact information of the member's passbook number, the client only checks the purchase information (S402), the remaining steps are different. (S403-S408) is the same as the mobile phone payment method. Therefore, the purchase information to be confirmed by the buyer at this time is added to the account number in addition to the member name, mobile phone number, product name, price, address and contact information.

On the other hand, Fig. 4d shows a cyber cache authentication flow chart. As shown on the right side of Fig. 4d, the web PDA / phone server DB can naturally exchange data with the DB of the server of the institution that issued the cyber cache. When the server sends the purchase information to the client, in addition to the member's mobile phone number, payment product information, address and contact information by sending a cyber cash number, the client only checks the purchase information (S502) is different only the remaining procedure (S503-S508) is the same as the mobile phone payment method. Therefore, the purchase information to be confirmed by the buyer at this time is added to the cyber cash number in addition to the member name, mobile phone number, product name, price, address and contact information.

The payment system and method according to the present invention has been described with reference to an embodiment of performing payment authentication through data and signal exchange between a Web PDA / phone client and a server, but this method only changes the structure of data to be exchanged. It is also possible to exchange data and signals between a PDA / phone or a mobile phone connected to a web PDA / phone client via wired / wireless, and a web PDA / phone server without changing the technical spirit of the present invention. It will be taken for granted to those who have.

In this case, of course, the web PDA / phone should have additional functions in addition to the basic functions as shown in FIG. Moreover, it is desirable that the web PDA / phone perform an integrated service to have various link functions and homepage functions.

Although the present invention has been described above with reference to one embodiment shown in the accompanying drawings, the present invention is not limited thereto, and various modifications may be made within a range easily understood by those skilled in the art. Therefore, the limitation of the present invention should be limited only by the following claims.

According to the billing system and method according to the present invention operating as described above, billing authentication is made by using a messenger function, and a variety of payments ranging from mobile payments to credit card payments, bank transfer payments and cyber cash payments. It is possible to authenticate all authentication methods with high security.

1 is a block diagram for implementing a messenger function of the payment authentication system according to the present invention.

2 is a conceptual diagram of a payment authentication system according to the present invention.

Figure 3a is a payment authentication flowchart of the payment authentication method according to the present invention.

Figure 3b is a detailed flowchart of the member ID and password confirmation of Figure 3a.

Figure 4a is a cellular phone payment authentication flow chart of Figure 3a.

Figure 4b is a credit card payment authentication flowchart of Figure 3a.

Figure 4c is a non-bank transfer payment authentication flow chart of Figure 3a.

4D is a cybercache authentication flow chart of FIG. 3A.

Figure 4e is a detailed flow chart for checking the member mobile phone number, etc. of Figure 4a.

5 is a diagram showing the main functions of the Web PDA / phone in the payment authentication system of the present invention.

6A is a menu configuration diagram of a web PDA / phone client.

FIG. 6B is a diagram illustrating a file up / down function of a web PDA / phone client. FIG.

Figure 7a is a view showing the initial display window when the mobile phone micropayment authentication is selected.

Figure 7b is a view showing the display window of the secret code transmission and input state when the mobile phone micropayment authentication is selected.

Figure 7c is a view showing a display window of the payment confirmation and certificate issuance status when the mobile phone payment authentication is selected.

8 is a block diagram showing a credit settlement system of the second prior art.

Claims (7)

A payment authentication method of a payment authentication system including a web PDA / phone client 200 and a web PDA / phone server 300 connected to each other through an internet network and using a messenger function of the web PDA / phone client, (a) When the purchaser selects a product online at a seller's shopping mall or the like and then authenticates the payment, the purchaser accesses the web PDA / phone server of the payment authentication system through an internet network to Downloading a messenger display window and confirming that the member is a member of a service institution of the payment authentication system (S114); (b) When the membership is confirmed in the step (a), an add-in program, which is a version upgraded program of the payment authentication service, is downloaded from the web PDA / phone server to the web PDA / phone client. Activating the pop-up window (FIG. 6A); (c) downloading a necessary file by dragging from the messenger pop-up window (FIG. 6b), and selecting any one of a plurality of payment methods including at least one of a non-bank transfer payment authentication and a cyber cache authentication (S118); (d) In response to the purchaser selecting a product in the shopping mall or the like and selecting a specific payment method as an authentication means in the messenger active window, the product information is obtained from the seller DB and the member information and payment is obtained from the DB of the web PDA / phone server. Information (mobile phone number for mobile payment, mobile phone number and credit card information for credit card payment, mobile phone number and online account number for unpaid bank transfer payment, and mobile phone number and cyber cash number for cyber cash payment) Receiving input to the web PDA / phone client (S702, S704); (e) the web PDA / phone client receiving the purchase information and displaying the purchase information on the messenger payment window (S706; FIG. 7A); (f) if it is determined that the purchase information displayed in the messenger payment window is correct, sending a purchase information confirmation signal to the web PDA / phone server (S708; see the bottom of FIG. 7A); (g) after the web PDA / phone server receives the confirmation signal, issuing an authentication code to a cellular phone of a purchaser through a mobile communication company (S203); (h) the purchaser takes the authentication code from his mobile phone and sends a payment authentication confirmation to the web PDA / phone server again using a messenger function (S206; FIG. 7B); (i) When the web PDA / phone server receives the authentication confirmation from the purchaser, it confirms that the payment has been completed and the product may be sent to the seller. The mobile PDA, credit card company, general bank, or cyber Issuing a final authentication that the payment may be made to the server of the payment institution that issued the cache; And (j) finally, the web PDA / phone server sends a usage confirmation email to the client, so that the purchaser finally confirms whether the purchase was finally intended (S208; FIG. 7C); Payment authentication method characterized in that it comprises a. delete delete delete delete delete delete