KR100585833B1 - Method for paying a charge of goods using mobile phone - Google Patents

Abstract

The present invention relates to a method for payment of goods using a mobile communication terminal that allows the user to simply provide information inputted for payment of goods, and the method of payment for goods using a mobile communication terminal according to the present invention, A first step of switching from the call mode to the command mode by a specific key; A second step of designating previously stored information necessary for requesting payment of goods for at least one key input; And a third step of switching from the command mode to the call mode and transmitting the designated previously stored information to the corresponding server through a mobile communication network, wherein the user memorizes or memorizes his or her bank account number and credit card number. Or have a relatively small number of bank cards and credit cards with you, and always use a mobile terminal without the hassle of having to key in a long number of bank account numbers or credit card numbers. It is very convenient to simply provide the information required for payment of the goods only by key input, which is a very useful invention that can be spread the credit transaction.

Mobile terminal, account number, CDMA, commodity price, hotkey

Description

Method for paying a charge of goods using mobile phone}             

1 is a diagram showing an entire network configuration in which a payment method for goods using a mobile communication terminal according to the present invention is implemented.

FIG. 2 shows a detailed configuration of a mobile phone among the network configurations of FIG.

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

FIG. 4 shows the contents of the flash memory shown in FIG.

5 is a diagram illustrating an operation process for payment of goods.

※ Explanation of code for main part of drawing

10: keypad 11: keypad connection

20: Flash Memory 30: LCD

31: LCD drive unit 40: station unit (MSM)

50: ROM 51: RAM

60: codec 61: input amplifier

62: output amplifier 70: wireless transmitter

71: wireless receiving unit 100: mobile communication terminal

200: CDMA mobile communication network 300: mail order server

400: commodity trading approval institution

The present invention relates to a method for payment of goods using a mobile communication terminal, and more particularly, to a method of payment for goods using a mobile communication terminal for providing information input by a user for payment of goods. will be.

Conventionally, when purchasing an item through a telecommunications retailer or the like, that is, in the method of payment for an item made in an electronic commerce, the item is paid using a communication medium (telephone, PC, etc.). When paying for the goods, the goods will be paid using the user's bank account number. That is, by providing the user's bank account number to the merchandise distributor, the price of the goods can be transferred from the user's bank account to the bank account of the merchandise vendor. For this purpose, the user can use a telephone dial or a PC keyboard to access the bank account number. I had to enter a lot of personal information such as password, password, payment amount and social security number.

In addition, in order to pay for goods using a credit card, a lot of personal information such as credit card number and expiration date of credit card had to be entered.

However, in the conventional method of payment for goods, if the user's banks are many, the bank account numbers of the banks of multiple banks are memorized or memorized for the payment of goods, or the bank in which the bank account numbers are recorded. It is very troublesome to carry a cash card at all times, and there is a risk of loss, even in the case of a credit card.

In addition, even if you memorize or memorize the bank account number or credit card number, or have a card, personal information such as bank account number or credit card number must be entered through the communication media to pay for the goods. In addition, the user was very troublesome, and if one wrong number was entered during the input process, it was necessary to re-enter it and reconfirm the input data, which took a long time, and also caused by incorrect input of payment information due to long data input. There was a case where a payment error occurred, wasting time unnecessarily for correction.

Therefore, the present invention was created to solve the above problems, the payment method for goods using a mobile communication terminal that allows the user to pay for the goods by simplifying the input procedure using his mobile communication terminal. The purpose is to provide.

In order to achieve the above object, a payment method for goods using a mobile communication terminal according to the present invention includes a first step of inputting user personal information including a unique number of a medium for a credit / financial transaction on a mobile communication terminal; And a second step of designating a shortcut key for each of the input user personal information on the mobile communication terminal and cooperatively storing the respective personal information. First, personal information and a shortcut key for the personal information are stored in the mobile communication terminal. In a state of being present, the first step of switching from the call mode to the command mode by a specific key; A second step of designating previously stored information necessary for requesting payment of goods for at least one key input; And the payment of the goods price through a third step of switching from the command mode to the call mode and transmitting the designated previously stored information to the corresponding server through the mobile communication network.

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.

Figure 1 shows the overall network configuration of the payment method for goods using the mobile communication terminal according to the present invention, a mobile communication terminal (hereinafter referred to as a "mobile phone") that enables the payment for goods 100, CDMA mobile Goods for approving the goods transaction by determining whether the payment for the goods requested for payment through the communication network server 200, the communication sales server 300 connected to the CDMA mobile communication network 200 by a dedicated line, and the user's mobile phone (100) It is configured to include a transaction approval agency (400).

FIG. 2 illustrates a detailed configuration of a mobile communication terminal 100 capable of paying for goods among the entire network configuration of FIG. 1, wherein the mobile communication terminal 100 includes a keypad 10 for inputting personal information and designating a shortcut key. ; A keypad connector 11 connected to the keypad 10 to receive key input data; A flash memory 20 in which personal information such as an account number and a credit card number of a user and a designated shortcut key are stored in association; An LCD (Liquid Crystal Display) 30 for outputting and displaying a menu screen for payment of goods; An LCD driver 31 for converting data into an LCD display signal; A ROM 50 which stores screen data constituting a menu screen in addition to an electronic serial number (ESN) and a mobile phone number (MIN: Mobile Identification Number), which are unique numbers of the mobile phone 100; A RAM 51 in which temporary data is stored; A codec (Coder-Decoder) 60 for converting and inputting digital audio data into an analog audio signal and converting the analog audio signal into digital audio data; An input amplifier 61 for amplifying the analog audio signal input through the microphone Mic to a predetermined level; An output amplifier 62 for amplifying the analog audio signal and outputting the analog audio signal to a speaker Sp or the like; A wireless transmitter 70 wirelessly transmitting data to the CDMA mobile communication network 200; A wireless receiving unit 71 for wirelessly receiving data from the CDMA mobile communication network 200; And a mobile station modem 40 for controlling data modulation and demodulation according to call processing and mobile communication protocols, and data flow between components for payment of goods.

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, below with reference to the network configuration of Figure 1 and the detailed configuration of FIG. 3 will be described in detail how to pay for the goods.

First, in order to perform a payment method for goods using a mobile communication terminal according to the present invention, personal information necessary for payment for goods and a shortcut key for the input must be input and set in the mobile phone 100. This process is as follows.

First, the user presses the "MENU" key on the keypad 10 for inputting personal information required for the payment of goods and selecting a shortcut for it, and the station unit 40 is connected to the keypad connection unit 11. When the input of the "MENU" key is confirmed, among the menu screen data stored in the ROM 50, the screen data constituting the initial menu screen is read and the initial menu screen is read through the LCD driver 31. 30), the initial menu screen is as follows.

1. Volume control

2. Choose your phone ring

3. Secret function

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

Of these initial menus, when the user selects item 3, ie, the 'secret function' menu through the keypad 10, the station unit 40 allows the user to use the 'secret function' of the user. By outputting a guide message requesting a password input on the LCD 30 through the LCD driver 31, the user inputs a password, which means that the 'secret function' changes the password and pays for the goods. In such a case, it is a function for manipulating information that may cause direct financial damage to the mobile phone holder when exposed.

The station unit 40 compares the input password with the user-configured password, and if the two passwords are the same as the result of the comparison, among the menu screen data stored in the ROM 50, a 'secret function' menu The screen data related to the 'secret function' is read out on the LCD 30 through the LCD driver 31, and the menu screen regarding the 'secret function' may be as follows. .

1. Change Password

2. Enter your personal information

3. Payment of goods

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

When the user selects the 'personal information input' menu through the keypad 10 among the menus related to the 'secret function', the station unit 40 again stores the menu screen data stored in the ROM 50. Among them, screen data related to the 'personal information input' menu is read and a menu screen related to 'personal information input' is output on the LCD 30. The menu screen related to 'personal information input' is as follows. Can be.

1. Enter your bank account number

2. Enter your credit card number / expiration date

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

Accordingly, the user selects the corresponding item using the '◀', '▶' keys, etc. on the keypad 10, and selects personal information such as his / her bank account number, credit card number, password, etc. by using the dial button. After inputting the personal information, a shortcut key for this is selected using a numeric key and a special key on the keypad 10. For example, the user enters item 1, that is, a bank account number input item. After inputting the account number (for example, the bank account number 386-XX-YYYYYY) to use when paying for the goods, enter a shortcut for this, for example, the # key and the 1 key on the keypad 10. When pressing, the station unit 40 associates the input bank account number (386-XX-YYYYYY) with a designated hot key (# 1) to temporarily store input data stored in the RAM 51 in the flash memory 20. Moved to) . Subsequently, even when the user enters another bank account number, the entered account number is stored in the flash memory 20 together with the shortcut key designated for the same.

In addition, even if the user selects item 2, that is, a credit card number input item, and inputs a credit card number, the designated credit card number is stored together with the designated shortcut key. In this case, only the valid period of the card recorded on the credit card together with the credit card number is entered in the form of month / year.

As described above, in the state in which the personal information input by the user and the shortcut key for the payment for the goods are stored in the flash memory 20 in the form of FIG. 4, the goods price using the stored contents of the flash memory 20. The payment method is as follows.

First, when a user inputs a designated recipient's telephone number, for example, a number such as "* 1234567" through the keypad 10, to a merchandise distributor selling goods through a communication medium, such as a communication seller, the station unit. 40 checks this through the keypad connection unit 11, and then transmits the telephone number of the destination to the wireless transmitter 71 to request a call connection through the access channel (S10). The number is transmitted to the CDMA mobile communication network 200 via a nearby base station.

The base station receiving the call connection request data from the mobile phone 100 transmits the call destination requested destination data to the connected exchange, and the exchange transmits the access number (phone number) of the corresponding destination received when the call is requested. By using the call request to make a call connection with the correspondent distributor server 300.

As such, when a call connection is made with the communication point of sale server 300 (S20), the station unit 40 enters into a call mode by itself. Listening to the announcement provided by the voice menu, thereby performing an operation, such as input the article code for purchasing the article to the call-connected distributor server 300.

After completion of such an operation. The communication seller server 300 outputs a voice guidance message for requesting personal information such as a user bank account number or a credit card number necessary for payment of goods to the call-connected mobile phone 100.

On the other hand, the voice signal received by the wireless receiver 71 is converted into a baseband signal, performs the protocol and system control functions defined in IS-95A, and provides basic voice recognition function, voice memo and voice recording function, etc. The station unit 40 restores the voice data again according to the protocol and is applied to the call codec 60. The call codec 60 converts the restored compressed voice data into an analog voice signal and outputs the same through the speaker Sp, so that the user can listen to the voice message provided from the merchandise seller 300.

The user who listens to the voice message through the mobile phone 100 presses the 'MENU' key, which is a function key, to provide information for payment of goods on the keypad 10. Accordingly, the station unit 40 In the call mode according to the call connection is switched to the menu mode, in the menu mode is directly processed by the station unit 40 without transmitting the key input data to the call channel.

According to a user's 'MENU' key selection input, the station unit 40 outputs the initial menu screen on the LCD 30, and a user who wants to pay for the item among the initial menus uses the keypad 10. After selecting the 'secret function' menu, the password is entered according to the selection of the 'secret function' menu as described above.

The station 40 outputs a 'secret function' menu screen on the LCD 30 only when the user is determined to be a legitimate user from a comparison result of the input password and the preset stored password. If it is determined that the password is not the same three or more times in the password comparison process, the station unit 40 outputs a guide message on the LCD 30 that the subsequent process can no longer be performed, and then automatically It becomes locked and stops the use of the user.

If the user is determined to be a legitimate user as a result of the password comparison, the station unit 40 outputs a menu screen regarding 'secret function' on the LCD 30, and the user selects from the menu regarding 'secret function'. When the 'item payment' menu is selected (S30), the station unit 40 reads the screen data related to the 'personal information input' menu among the menu screen data stored in the ROM 50 again and then supplies the 'item'. The menu screen for 'payment of bill' is output on the LCD 30 through the LCD driver 31. The menu screen for 'payment of goods' is as follows.

"Please select a payment method.

1. Bank Account Payment

2. Credit Card Payment

........... "

The user selects an item corresponding to a desired payment method by using the '◀', '▶' keys, etc. on the keypad 10, and thus the station unit 40 uses a shortcut key through the LCD 30. The user may output a guide message requesting an input. For example, after the user selects item 1 of the payment method, that is, the bank account payment method, the user pays the goods price among the bank account numbers stored in the flash memory 20. Enter the '#' key and the '1' numeric key, which are shortcut keys that designate the '386-XX-YYYYYY', which is the number of the bank account, to be entered (S31). Then, press the 'SEND' key, which is a predetermined specific function key indicating completion of input of the shortcut key. Accordingly, the station unit 40 stores the bank account number stored in association with the input shortcut key # 1 in the flash memory. Read from the 20, and transmits the read bank account number to the call channel through the wireless transmitter 70, the read bank account number through the CDMA mobile communication network 200 to the communication point of sale server ( 300, so as to receive the user's bank account number in the mail order server 300. After the bank account number is sent by the hot key, it is automatically switched to the call mode from the menu mode.

5 is a diagram illustrating the operation process for the payment so far focusing on mode switching of the station unit 40.

When receiving the user's bank account number in the server 300 of the merchandise, as described above, the user's bank account number is retransmitted to the connected mobile phone 100, for example, "You entered information is 386 -XX-YYYYYY. If the information you entered is correct, press 1, otherwise press 2. ", so that the user can confirm that the shortcut has been correctly selected. Take appropriate action such as returning and re-entering data.

When the user who listens to the voice guidance agrees with the guide details, the user presses the first number through the keypad 10, and the server 300 of the seller selling the product recognizes the user's bank account number. The server 400 of the transaction approval institution is sent to the server 420 of the financial settlement institution, which is the corresponding payment institution, and the payment of the goods price, that is, the price of the goods, is based on the balance of the bank account corresponding to the bank account number. Request a transfer from the account to the bank account of the seller of goods designated at the time of registration (S33).

As a result of checking the user's bank account in the server 420 of the financial settlement institution, if there is a balance over the item price requested for payment in the user's bank account, the goods price is transferred from the user's bank account to the bank account of the seller of goods. Whether or not the normal transfer is notified to the merchandise seller 300.

When the server 300 of the merchandise retailer confirms that the commodity price is completed in normal transfer, the mobile phone 100 of the user in the call connection state, by voice guidance that "the commodity price was paid normally" (S34) The user can confirm whether the payment is made, and in some cases, the user ends the call after providing his or her address to the merchandise sales server 300 to receive the goods.

In the above embodiment, when the corresponding bank account number or credit card number associated with and stored by using the set shortcut key is specified, there is a need to memorize the shortcut keys stored in association with each bank account number and credit card number. When the user selects a bank account item without setting the shortcut key as described above, the user inputs a bank account number previously input by the user on the LCD 30, thereby allowing the user to pay for the goods in his bank account number. The desired bank account number may be selected using the '◀', '▶' keys, etc. on the keypad 10.

In addition, unlike the above embodiment, which requires the input of a password when the user selects the 'secret function' menu, the user uses a shortcut key or the '◀' and '▶' keys on the keypad 10. If you choose your preferred bank account number or credit card number, you will be asked to enter your password and send out the selected bank account number or credit card number only if the password and the preset password are the same. You may ask.

The payment method for goods using a mobile communication terminal according to the present invention as described above, in order to pay for goods, the user remembers or memorizes his or her bank account number and credit card number, or banks with high risk of loss After you have your card and credit card with you at all times, you don't have to enter a long number of bank account numbers or credit card numbers, and use your mobile device to make payments with only a few keys. It is very convenient to provide a simple, which is a very useful invention that can promote the spread of credit transactions.

Claims (8)

delete delete delete delete In the payment method of goods, A first step of switching from the call mode to the command mode by a specific key; A second step of designating previously stored information necessary for requesting payment of goods for at least one key input; And And a third step of switching from the command mode to the call mode and transmitting the designated previously stored information to a corresponding server through a mobile communication network. The method of claim 5, The second step is a payment method for goods using a mobile communication terminal, characterized in that for specifying the pre-stored information required by the shortcut key. The method of claim 5, The second step is a payment method for goods using a mobile communication terminal, characterized in that the designation by selecting one of the previously stored information listed in the menu. The method of claim 5, The third step, Inputting a password for a payment request for goods; Comparing the input password with a preset password; And And switching the command mode from the command mode to the call mode according to the comparison result, and transmitting the designated previously stored information to the corresponding server through the mobile communication network.

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