KR100662278B1 - electronic payment system and method for making payment of the same - Google Patents

Abstract

The present invention is to provide an electronic payment system and a method for allowing a user to safely and simply pay a desired amount regardless of time and place during a transaction, and a bank system that transfers a predetermined amount at the request of a customer; A mobile communication service system which stores the amount transferred from the banking system, encrypts the amount information of the customer and transmits it to the customer, and pays according to the electronic payment of the customer; An affiliated merchant system that provides and sells at least one of the services, transmits the electronic payment request of the customer to the mobile communication service system, and receives payment from the mobile communication service system, and an encrypted amount from the mobile communication service system. Receive information and send to the affiliated merchant system It belongs can consists of, including the amount of information in an encrypted item, purchase at least one of the services, content, or through the customer mobile communication device.

Electronic payment system, payment using the terminal

Description

Electronic payment system and method for making payment of the same}

1 is a schematic configuration diagram of an electronic payment system according to the present invention.

2 is a detailed configuration diagram of an electronic payment system according to the present invention.

3 is a flowchart illustrating an electronic payment method according to the present invention.

4 illustrates another embodiment of the electronic payment method according to the present invention.

* Explanation of symbols for main parts of the drawings

10: mobile communication service system 11, 32: receiving unit

12: customer database 13: transmission unit

14: verification unit 15: encryption unit

20: affiliated merchant system 30: mobile communication device

31 control unit 33 decoding unit

34: storage unit 35: display unit

36: output unit 40: bank system

50: ATM

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment system using a mobile communication and telephone system and a wired / wireless internet. .

Recently, with the development of mobile communication technology, the use of mobile communication devices has become common throughout society, their dependence is increasing in daily life, and users are also steadily increasing.

In addition, the use of credit cards and cash cards is increasing due to the increase in national income in financial transactions, and due to the development of communication and security-related technologies, account transfers, phone banking, internet banking, and electronic cash using IC cards are not used for cash transactions. Various services have emerged one after another, and the use of such services in financial transactions is increasing rapidly.

In general, a user must make a financial settlement using cash or credit card in order to purchase goods or use any facility.

In addition, in order to use a credit card, a credit card can be issued only if the user passes the appropriate evaluation criteria of the financial institution for the user credit, and the amount of use varies from person to person and is very limited.

However, cash is difficult to carry and store when the amount is high, and procedures such as signing and identity verification are complicated when using a high amount.

In addition, in the case of a credit card, if a certain amount is exceeded, financial transactions cannot be performed, and in the case of a cash card, a cash dispenser must be provided, and it is inconvenient to find only an amount within a payment limit within a given time.

If the card is lost, it takes time to report the lost center and reissue it, and there is a risk of theft of the lost card between those times.If you lose the check in cash, if you keep the unique number of the check, You can apply for the suspension of payment after going to the institution in person, but there is no special countermeasure against loss because you usually do not keep your unique number.

As described above, a transaction method using a card or cash has a considerable difficulty in managing by an individual in carrying, storing, moving, and the like.

SUMMARY OF THE INVENTION The present invention has been made to solve such problems, and an object thereof is to provide an electronic payment system and a method for allowing a user to safely and simply pay a desired amount regardless of time and place in a transaction.

Features of the electronic payment system according to the present invention for achieving the above object is a bank system for depositing a certain amount of money at the request of a customer, and stores the amount transferred from the bank system, and the amount information of the customer A mobile communication service system which encrypts and transmits the data to the customer, and pays according to the electronic payment of the customer, and provides and sells at least one of goods, services, and content to the customer, and requests the electronic payment request of the customer. The affiliated merchant system, which is transmitted to the mobile communication service system and receives payment from the mobile communication service system, receives the encrypted amount information from the mobile communication service system, and accesses the affiliated affiliate system to provide the encrypted amount. At least one of goods, services and content with information It is configured to include a customer mobile communication device to purchase or use.

In this case, the mobile communication service system stores the amount of money transferred from the bank system and the electronic payment request of the customer transmitted from the affiliated merchant system, and the amount of money of the customer received from the receiving unit for each customer; A customer database unit for updating the amount information according to the payment / withdrawal of the amount, a confirmation unit for confirming the amount of customer authentication and payment through the customer database unit according to the electronic payment request received from the receiving unit, and And an encryption unit for encrypting the amount information of the customer database unit, and a transmission unit for transmitting the encrypted amount information to the customer mobile communication device.

The customer mobile communication device includes a storage unit for storing the unique information of the customer, a receiver for receiving encrypted money information from the mobile communication service system, a decryption unit for decrypting the money information received from the receiver; And a display unit for displaying the amount of money information decoded from the decryption unit, an output unit connected to the affiliated affiliate system and outputting the unique information and the payment information of the customer, and a control unit for controlling the entire system. .

Features of the electronic payment method according to the present invention for achieving the above object is an electronic payment method of the electronic payment system consisting of a banking system, a mobile communication service system, an affiliated merchant system, and a customer mobile communication device, the affiliated affiliated store Accessing the affiliated merchant system using a mobile communication device to purchase or use the goods, services, and contents in the system, and pay the bill accordingly, and when the customer enters a password to access the affiliated merchant, Inputting an amount to transmit customer information, a password, and a payment amount stored in the mobile communication device to a mobile communication service system, and requesting an inquiry; and transmitting the amount of the customer information, password, and payment to the customer database. Search via, then verify and pay Searching for the balance according to claim 1, and if the balance is insufficient as a result of the search result, the customer authentication and the balance search result, transmits a low balance signal to the customer mobile communication device and the affiliated merchant, and if the customer authentication is not Transmitting a disabling signal to an affiliated merchant, encrypting an amount according to a payment settlement if all of the results of the customer authentication and balance search are satisfied, and transmitting the amount to a mobile communication device of the corresponding customer; After decrypting, it comprises the step of performing an electronic payment to the affiliated merchant system.

When the electronic payment is completed, the affiliated merchant system transmits the electronic payment amount to the mobile communication service system to receive the payment, and deposits the account number of the customer in the customer database according to the payment amount. The method further includes updating the price information and transmitting the updated price information to the mobile communication device of the customer.                     

And after the customer accesses the mobile communication service system using his or her mobile communication device or an external communication device, requesting the customer's money information, and searching the customer database for the requested money information. After transmitting the amount information to the customer mobile communication device, and after confirming the transmitted amount information, using a financial service such as account transfer, bank deposit, phone banking, and Internet banking to their account established in the mobile communication service system And depositing cash, and updating the customer database in the mobile communication service system with the deposited cash.

Other objects, features and advantages of the present invention will become apparent from the following detailed description of embodiments taken in conjunction with the accompanying drawings.

Referring to the accompanying drawings, preferred embodiments of the present invention having the features as described above are as follows.

1 is a schematic configuration diagram of an electronic payment system according to the present invention.

Referring to Figure 1, first, the customer purchases goods, services, content, etc. in the affiliated merchant system 20, the purchase price of the mobile communication device 30 owned by the affiliated merchant system 20 Access to perform electronic payment through the mobile communication service system 10.

In addition, the mobile communication service system 10 stores the price of goods required for electronic payment to the customer in advance in the mobile communication service system 10 through the bank system 40 in which the customer deals.                     

In this way, the payment is made according to the purchase of the product of the customer through an association between the mobile communication service system 10, the affiliated merchant system 20, the mobile communication device 30, and the bank system 40.

The configuration diagram of each system will be described in detail with reference to the accompanying drawings.

2 is a detailed configuration diagram of the electronic payment system according to the present invention.

First, through the receiving unit 11 in the mobile communication service system 10, the bank transfers the money information from the bank system 40 and the electronic payment request of the customer transmitted from the affiliated merchant system 20.

The amount of money information of the customer received from the receiving unit 11 is stored in the database 12 for each customer, and the amount of money information stored in the database 12 is updated according to the amount of money in / out.

In addition, when the electronic payment request is received from the receiving unit 11, the confirmation unit 14 confirms the amount of customer authentication and payment through the customer database unit 12.

At this time, the amount information of the customer database unit 12 is encrypted and stored in the encryption unit 15 for security.

The encrypted amount information as described above is transmitted to the customer mobile communication device 30 or the affiliated franchise system 20 through the transmission unit 13.

Then, the customer mobile communication device 30 receives the encrypted amount information from the mobile communication service system 10 at the receiver 32.

At this time, the mobile communication service system 10 checks the customer's account number and name through the customer database unit 12, and transmits the encrypted amount information to the matching customer.

And the encryption is stored in the storage unit 34 of the customer mobile communication device 30, the customer's unique information is stored, it is encrypted so that it can be decrypted only by using this unique information.

In this way, the decryption unit 33 decrypts the encrypted amount information received by the receiving unit 32 using the unique information stored in the storage unit 34.

And the decoded amount information is displayed on the display unit 35 so that the customer can confirm.

Then, the customer checks the amount information displayed on the display unit 35, accesses the affiliated affiliated store system 20, and transmits the information according to the purchase and payment of the product through the output unit 36 to the affiliated affiliated store system 20. to provide.

In this case, the mobile communication device 30 is any one of a wireless data terminal, a pager, a Trunked Radio System (TRS) terminal, a Personal Communication System (PCS) terminal, a cellular phone, and a city phone, and a payment device part of the affiliated merchant system 20. Connect to or close to.

In this case, the payment device in the affiliated merchant system 20 has the same role as a conventional card payment machine, and has a structure configured to facilitate connection of the mobile communication device 30 instead of the card connector.

The operation of the electronic payment method using the terminal configured as described above will be described with reference to the drawings.

3 is a flowchart illustrating an electronic payment method according to the present invention.

Referring to FIG. 3, a customer first accesses the mobile communication service system 10 using his mobile communication device 30 or an external communication device, and then requests his money information (S10).

Then, the mobile communication service system 10 retrieves the requested price information of the customer from the customer database 12 and transmits the corresponding price information to the customer mobile communication device 30 (S20).

The amount information transmitted as described above is checked through the mobile communication device 300, and the affiliated merchant system 20 purchases or uses the goods, services, and contents, and pays the bill accordingly. Is connected to the affiliated merchant system 20 (S30).

When the connection is made, the customer enters a password designated by the customer and requests payment payment (S40).

Subsequently, the affiliated merchant system 20 inputs a password and then inputs an amount according to a payment, and transmits the customer information, password, and payment stored in the mobile communication device 30 to the mobile communication service system 10 for inquiry. Request (S50).

At this time, the affiliated merchant system 20 is connected to the mobile communication service system 10 by wire or wirelessly.

Subsequently, the mobile communication service system 10 retrieves the name and account number of the customer through the customer database 12 on the customer password and the amount of payment and customer information input through the affiliated merchant system 20. Search for the balance according to customer authentication and payment (S60).

And if the customer authentication and balance search result (S60), if the balance is insufficient (S70) by sending a balance shortage signal to the mobile communication device 30 and the affiliated merchant system 20 to allow the customer to transfer the deposit in the banking system (S80) If the customer is not authenticated, the customer authentication signal is transmitted to the affiliated merchant.

At this time, the transfer of the deposit is a customer deposits cash using a financial service, such as account transfer, bankbook, phone banking, and Internet banking to their account established in the mobile communication service system (10).

The mobile communication service system 10 then updates the customer database 12 with the deposited cash.

In addition, if the customer authentication and balance check result (S60), both meet, the encryption unit 15 so that the amount according to the payment can be decrypted only in the decryptor 33 built in the customer's mobile communication device 30 After encrypting, the data is transmitted to the mobile communication device 30.

Then, the mobile communication device 30 decodes the amount of money transmitted from the mobile communication service system 10, and performs electronic payment to the affiliated merchant system 20 (S90).

Subsequently, the affiliated merchant system 20 transmits the electronic payment amount to the mobile communication service system 10 to inform that the payment is made.                     

Then, the mobile communication service system 10 updates the amount information deposited in the account number of the customer in the customer database 12 according to the paid amount, and updates the updated amount information in the customer's mobile communication device 30. send.

In addition to the purchase of such goods, the fee for using transportation means such as taxis, buses and trains, and the use of facilities such as restaurants, playgrounds, and amusement facilities can be freely settled on the spot using a payment device according to the affiliated merchant system 20.

In addition, as shown in FIG. 4, the customer may also withdraw cash through an ATM associated with the mobile communication service system.

Referring to Figure 4, first, the customer connects the mobile communication device 30 to the cash dispenser 50, and then inputs a password and received cash to request cash withdrawal (①).

The cash dispenser 50 then requests the authentication of the customer connected to the mobile communication service system 10 and the requested payment confirmation (②).

Subsequently, the mobile communication service system 10 authenticates the requested customer and the requested price in the cash dispenser 50 through the customer database 12, and if not, the mobile communication device 30 and the cash signal. Transfer to the dispenser 50.

When authentication is made, the amount of money requested to be decrypted only in the corresponding mobile communication device 30 is encrypted and transmitted to the mobile communication device 30 (③).

Then, the mobile communication device 30 decodes the amount transferred from the mobile communication service system 10 and then withdraws the cash to the ATM 50 (④).

Subsequently, the cash dispenser 50 transmits the withdrawn amount to the mobile communication service system 10 to notify that the withdrawal has been made and receives a payment (⑤).

Then, the mobile communication service system 10 updates the amount information deposited in the account number of the customer in the customer database 12 according to the amount paid, and updates the updated amount information in the customer's mobile communication device 30. Transmit (⑥).

As described above, the electronic payment system and the method thereof according to the present invention have the following effects.

First, it is interconnected with mobile communication terminal and financial system so that customers can make electronic payments only if they need payment system of mobile communication device and affiliated merchant connected with financial institution without financial system. It is very convenient to pay this amount.

Second, it is easier to carry and move than cash and card, and is secured because it is made after decryption by password and built-in encryption unit in payment, so that it can be prevented from being stolen by others after being lost.

Those skilled in the art will appreciate that various changes and modifications can be made without departing from the technical spirit of the present invention.

Therefore, the technical scope of the present invention should not be limited to the contents described in the embodiments, but should be defined by the claims.

Claims (10)

A banking system for depositing certain amounts at the request of a customer; A mobile communication service system which stores an amount transferred from the banking system, encrypts the amount information of the customer and sends the encrypted amount information to the customer, and pays according to the electronic payment of the customer; An affiliated merchant system for providing and selling at least one of goods, services, and contents to the customer, transmitting the electronic payment request of the customer to the mobile communication service system, and receiving payment from the mobile communication service system; And, And a customer mobile communication device receiving encrypted price information from the mobile communication service system and accessing the affiliated affiliated system to purchase or use at least one of goods, services, and content using the encrypted price information. Characterized by electronic payment system. The method of claim 1, wherein the mobile communication service system Receiving unit for receiving the electronic payment request of the customer transmitted from the affiliated merchant system and the amount of money transferred from the bank system; A customer database unit which stores the amount information of the customer received from the receiving unit for each customer and updates the amount information according to the input / output of the amount; A confirmation unit confirming customer authentication and an amount to be paid through the customer database unit according to the electronic payment request received from the receiving unit; An encryption unit for encrypting the amount information of the customer database unit; And a transmission unit for transmitting the encrypted amount information to the customer mobile communication device. The method of claim 1, wherein the customer mobile communication device A storage unit for storing the unique information of the customer; Receiving unit for receiving the encrypted money information from the mobile communication service system; Decryption unit for decrypting the money information received from the receiving unit; A display unit which displays the amount of money information decrypted from the decryption unit; An output unit connected to the affiliated merchant system to output unique information and payment information of the customer; Electronic payment system comprising a control unit for controlling the entire system. The electronic payment system of claim 1, wherein the affiliated merchant system is connected to the mobile communication service system by wire or wirelessly. The electronic payment system of claim 1, wherein the mobile communication device is any one of a wireless data terminal, a pager, a Trunked Radio System (TRS) terminal, a Personal Communication System (PCS) terminal, a cellular phone, and a city phone. In the electronic payment method of the electronic payment system consisting of a banking system, a mobile communication service system, an affiliated merchant system, and a customer mobile communication device, Accessing the affiliated affiliated system using a mobile communication device to purchase or use the goods, services, and contents in the affiliated affiliated system and pay the corresponding fee; When the customer enters the password to access, the affiliated merchant inputs the amount according to the payment, and sends a customer information, password, and payment stored in the mobile communication device to the mobile communication service system to request an inquiry; Retrieving the transferred customer information, password, and the amount due for payment through a customer database, and then searching for the balance due to customer authentication and payment; If the result of the search results, the customer authentication and the balance check result, if the balance is insufficient, sending a low balance signal to the customer mobile communication device and the affiliated merchant, and if the customer is not authenticated, sending a non-customer authentication signal to the affiliated merchant; Encrypting the amount according to the payment if the customer authentication result and the balance result search result are satisfied, and transmitting it to the mobile communication device of the customer; And decrypting the transmitted amount, and performing an electronic payment to an affiliated merchant system. The method of claim 6, When the electronic payment is completed, the affiliated merchant system transmits the electronic payment amount to the mobile communication service system to receive the payment; And updating the amount of money deposited in the account number of the customer in the customer database according to the amount paid, and transmitting the updated amount information to the customer's mobile communication device. . The method of claim 6, Requesting the amount of money information of the customer after accessing the mobile communication service system by using the mobile communication device or an external communication device of the customer; Retrieving the requested price information from a customer database and transmitting the price information to a customer mobile communication device; After confirming the transferred amount information, depositing cash using a financial service such as bank transfer, bankbook payment, phone banking, and internet banking in an account established in a mobile communication service system; Updating the customer database in the mobile communication service system with the deposited cash. The method of claim 6, And encrypting the encrypted amount so that it can only be decrypted by a decryptor embedded in the customer's mobile communication device. The method of claim 6, The electronic payment method is an electronic payment method, characterized in that the purchase of goods, transportation fees such as taxis, buses, trains, usage fees for the use of facilities such as restaurants, playgrounds, and amusement facilities, and cash withdrawal of the ATM.

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