KR100715560B1 - Mobile Devices for Mobile Payment, System and Method for Mobile Payment by Using Mobile Devices and Recording Medium - Google Patents

Abstract

According to an aspect of the present invention, there is provided a wireless terminal in which an integrated circuit (IC) chip including at least one payment means is mounted or detached, the wireless terminal comprising: a receiver configured to receive at least one wireless message through a predetermined wired / wireless network and / or a wireless communication means; A determination unit that reads the wireless message and determines whether the message is a general message or a payment related message including predetermined payment information data; A processor configured to provide the payment message to a payment agent corresponding to the payment related message when the wireless message is a payment related message; And extracting predetermined payment information data from the payment message, and reading payment means information corresponding to the payment information data from the IC chip mounted or detached from the wireless terminal using the payment information data. An agent; and a wireless payment system for wireless payment, characterized in that it comprises a wireless payment system and method using the wireless terminal and a recording medium therefor.

Thereby, wireless Internet access and / or callback URLs can be made by using a wireless terminal in which an IC chip equipped with at least one or more payment means is mounted or detached at the time of online and / or offline electronic payment and / or payment processing. ) Has the advantage of convenient payment processing without network access.

Payment method, IC chip, Wireless terminal

Description

 Wireless payment system and method using wireless terminal and wireless terminal for wireless payment and recording medium therefor {Mobile Devices for Mobile Payment, System and Method for Mobile Payment by Using Mobile Devices and Recording Medium}

1 is a view showing a preferred wireless payment system according to an embodiment of the present invention.

2 is a view showing a preferred wireless payment system according to another embodiment of the present invention.

3 is a view showing a preferred wireless payment system according to another embodiment of the present invention.

4 is a diagram illustrating a functional configuration of a wireless terminal according to a preferred embodiment of the present invention.

5 is a diagram illustrating a preferred payment related message structure according to an embodiment of the present invention.

6 is a diagram illustrating a process of transmitting a payment related message to a wireless terminal according to one embodiment of the present invention.

7 is a diagram illustrating a process of transmitting a payment related message to a wireless terminal according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a process of transmitting a payment related message to a wireless terminal according to another embodiment of the present invention.

9 is a diagram illustrating a wireless payment method according to a preferred embodiment of the present invention.

10 is a diagram illustrating a wireless payment processing process according to a preferred embodiment of the present invention.

11 is a diagram illustrating a wireless payment method according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: wireless terminal 105: client terminal

110: shopping server 115: payment terminal

120: server 125: information receiving unit

130: message generating unit 135: transmission unit

140: message center 145: wireless switching center

150: control station 155: HLR / VLR

160: network interlocking device 165: payment server

The present invention provides a terminal (or shopping server) for generating a predetermined payment information (or inputted by a cashier or extracted from a database) by a wireless terminal equipped with or detached IC (Integrated Circuit) chip equipped with at least one payment means; And / or receive a payment related message including the payment information data from a server receiving predetermined payment information from the terminal (or shopping server) through a predetermined wired / wireless network and / or wireless communication means, A wireless payment wireless terminal and a wireless payment system and method using the wireless terminal, characterized in that for driving a predetermined payment agent to read the payment means information corresponding to the payment information data from the IC chip and payment processing; To provide a recording medium for this.

Electronic payments and / or electronic payments may include payment of purchases for tangible and intangible goods, such as cash payments, with a predetermined medium (eg, magnetic stripe and / or IC chip) equipped with at least one payment method. Payment and / or payment electronically via a network and / or means of communication, where both online methods (eg, product purchase and payment (or payment) are processed electronically via the network, depending on where the payment and / or payment occurs). ) And offline (e.g., product purchases are made offline and only payment (or payment) is processed electronically via the network).

Wireless payment and / or wireless payment is an electronic payment and / or electronic payment method using a wireless terminal on which an IC chip equipped with at least one payment means is mounted or detached. In the case of offline wireless payment and / or wireless payment In the conventional offline electronic payment and / or electronic payment, a medium provided with a predetermined payment means is replaced with the wireless terminal, and in the case of the online wireless payment and / or wireless payment, The role of a client terminal in electronic payment and / or electronic payment is replaced with a wireless terminal.

That is, in the case of off-line wireless payment and / or wireless payment, the payment terminal provided in the merchant in the conventional off-line electronic payment and / or electronic payment according to the ISO / IEC 7810 to ISO / IEC 7816 standard from the medium The process of reading payment means information is replaced by a process of reading predetermined payment means information from the IC chip in the wireless terminal and providing the payment means information to the payment terminal through IrFM (Infrared Financial Messaging) of IrDA (Infrared Data Association). It is.

However, such offline payment and / or wireless payment is inconvenient to use compared to offline payment and / or electronic payment using conventional MS cards and / or IC cards (eg, at least one menu). Configuration, and selects and reads a payment method from the IC chip, and due to the characteristics of the infrared communication, it is not possible to activate due to the inconvenience of having to direct the infrared communication device of the wireless terminal to the payment terminal.

In addition, in the case of online payment and / or wireless payment, the wireless terminal replaces some (or all) of functions and roles to be performed in the client terminal in the conventional online payment and / or electronic payment. As one method, which is not commercially available but can be inferred by a person of ordinary skill in the art, the payment process may be performed according to a conventional online payment method and / or an electronic payment procedure. When a means information is provided to a card company (or financial company) server, a callback UEL (eg, a network address for allowing the wireless terminal to access the card company (or financial company) server through the wireless network from the server) is included. When transmitting a wireless message, the wireless terminal via the callback UEL Access to the card company (or financial company) server will provide payment method information.

However, the above-described wireless payment and / or wireless payment is used in comparison with a client terminal having a convenient user interface in online electronic payment and / or electronic payment using a conventional MS card and / or IC card or financial account. It is inconvenient to carry out, and the wireless terminal user has to pay excessive communication fee in the process of receiving an interface for payment and connection to the card company (or financial company) server through the callback UEL.

In order to solve the problems of the wireless payment and / or wireless payment as described above, wireless payment and / or wireless using a wireless terminal equipped with or detached IC (Integrated Circuit) chip equipped with at least one or more payment means In the settlement, a terminal (or shopping server) generating predetermined payment information (or inputted by a cashier or extracted from a database) and / or a server receiving predetermined payment information from the terminal (or shopping server) is predetermined. When a payment related message including predetermined payment information data is transmitted to the wireless terminal through a wired / wireless network and / or a wireless communication means, the wireless terminal receives payment from wireless messages received through the wired / wireless network and / or wireless communication means. Read the relevant message and obtain a payment agent corresponding to the payment related message. It will be a convenient wireless payment system and method for a wireless terminal to a wireless payment process and the settlement using the wireless terminal and the purpose of the recording medium therefor.

In order to achieve the above object, the present invention provides a wireless terminal in which an IC (Integrated Circuit) chip equipped with at least one payment means is mounted or detached, and includes at least one wireless message through a predetermined wired / wireless network and / or wireless communication means. Receiving unit for receiving; A determination unit that reads the wireless message and determines whether the message is a general message or a payment related message including predetermined payment information data; A processor configured to provide the payment message to a payment agent corresponding to the payment related message when the wireless message is a payment related message; And extracting predetermined payment information data from the payment message, and reading payment means information corresponding to the payment information data from the IC chip mounted or detached from the wireless terminal using the payment information data. Agent; characterized in that comprises a.

The present invention also provides the payment related message to a payment agent corresponding to the payment related message or extracts predetermined payment information data from the payment related message when the wireless message is a payment related message. By further comprising a processing unit provided to the payment agent.

Herein, when the payment agent is not driven in the wireless terminal in a state in which a payment related message is received by the processing unit, the processor executes and executes a payment agent corresponding to the payment related message.

In addition, when the payment agent is pre-driven in the wireless terminal while the payment related message is received by the wireless terminal, the processor extracts predetermined payment information data from the payment related message and corresponds to the payment related message. It is characterized by providing to the agent.

According to the present invention, the payment agent extracts predetermined payment information data from the payment related message, reads predetermined payment means information from a memory mounted or detached from the wireless terminal, and then corresponds to the payment information data. Characterized in that the payment processing is performed.

Preferably, the memory is characterized in that it comprises an IC chip.

According to the present invention, the wireless payment wireless terminal includes a memory unit having a storage area for storing the payment related message, and if the received wireless message is a general message, the wireless message is stored in the general message storage area. And storing the wireless message in a payment related message storage area when the received wireless message is a payment related message.

In this case, the payment related message may include a message header and / or identifier indicating that the message is a payment related message and payment information data.

 The payment related message may further include a checksum for authenticating validity of the message header and / or identifier and / or payment information data.

The payment related message and / or the payment information data may include at least one payment amount and / or merchant information and / or payment means information.

Preferably, the wireless terminal is a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal and / or a Personal Digital Cellular (PDC) and / or Personal Handyphone (PHS). System) and / or a personal digital assistant (PDA) and / or a smart phone and / or a wireless data communication terminal and / or a portable internet phone.

On the other hand, the present invention is characterized in that it comprises a recording medium characterized by recording a program for executing the above-described wireless terminal function.

In addition, the wireless payment system according to the present invention is a message generating unit for generating a predetermined payment-related message containing at least one or more payment information, and the payment-related message of the payment processing target client through a communication network (or wireless network) A determination unit which determines whether the message is a general message or a payment related message including payment information data by reading a server (or device) having a transmission unit for transmitting to a wireless terminal and a message provided from the server (or device); As a result, when the message is a payment related message, a client wireless terminal having a payment agent for performing a payment process corresponding to the payment related message is characterized in that it is made.

According to the present invention, the payment agent extracts predetermined payment information data from the payment related message, reads predetermined payment means information from a memory (or IC chip) mounted or detached from the wireless terminal, And perform payment processing corresponding to the payment information data.

In addition, the server (or device) is characterized in that after receiving the predetermined payment information from a predetermined payment terminal or a web server, and generates the received payment information as a predetermined payment-related message.

The wireless payment system may further include a message center which relays the payment related message to a wireless terminal through a communication network.

In addition, the wireless payment system may be configured to further include a payment server for approving the wireless payment corresponding to the payment information data in conjunction with the wireless terminal.

Preferably, the server comprises at least one payment agency server and / or financial institution server and / or card company server and / or mobile carrier server and / or Van (VAN) server and / or server on the network. do.

In addition, the wireless payment method according to the present invention, in the wireless payment method comprising a wireless terminal equipped with at least one or more payment means and a server (or device) for transmitting a payment related message to the wireless terminal, Receiving at least one wireless message from the server (or device) via a communication network (or wireless network); Reading the wireless message from the wireless terminal and determining whether the message is a general message or a payment related message including payment information data; If the wireless message is a payment related message, extracting predetermined payment information data from the payment related message in the wireless terminal; And performing a payment process corresponding to the extracted payment information data by using a payment means provided in the wireless terminal.

The wireless payment method may further include receiving predetermined payment information from a predetermined payment terminal or a web server at the server (or device); Processing at the server (or device) the payment information to insert the received payment information into a wireless message; Generating a payment related message including the payment information data in the server (or device); And transmitting, at the server (or device), the payment related message to the wireless terminal through a communication network (or a wireless network).

According to the present invention, the step of determining whether the wireless message is a general message or a payment related message including payment information data by reading the wireless message, if the wireless message is a general message, as a result of the determination, the wireless terminal Storing the general message in a general message storage area of a memory unit provided in the wireless terminal and if the wireless message is a payment related message, the payment agent corresponding to the payment related message is determined by the wireless terminal. Determining whether it is being driven, and if the payment agent is driven, providing the payment related message to the payment agent corresponding to the payment related message from the wireless terminal, and if the payment agent is not driven, The wireless terminal Standing the step of providing the payment message by driving the billing agent corresponding to the payment message can be further included.

According to the present invention, the step of performing a payment process corresponding to the extracted payment information data by using the payment means provided in the wireless terminal, generating a predetermined payment request message in the wireless terminal; ; The wireless terminal may further include transmitting the payment request message to a payment server through a communication network and requesting payment approval.

According to the present invention, the step of performing the payment processing corresponding to the extracted payment information data by using the payment means provided in the wireless terminal, the server (or Device) may be further included.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described wireless payment method.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the preferred embodiment of the present invention carried out below is a predetermined from the terminal (or shopping server) generating a predetermined payment information (or inputted by a cashier or extracted from a database) in order to effectively explain the technical components constituting the present invention Although a server for receiving payment information of the present invention is mainly directed to transmitting a payment related message including predetermined payment information data to a wireless terminal through a predetermined wired / wireless network (for example, a mobile communication network or a portable Internet), If the person skilled in the art, the terminal (eg, payment terminal and / or client terminal) for generating a predetermined payment information, the payment related message containing the payment information data via a predetermined wireless communication means wireless terminal It can be clearly understood that the transmission to.

In the present invention, a wired / wireless network for transmitting a payment related message including payment information data includes at least one of a mobile communication network or a portable Internet, and in a preferred embodiment of the present invention, a mobile communication network is provided for efficient explanation of the present invention. Although it will be described based on the above, the wired and wireless network is not limited to a mobile communication network, and a wireless communication network or a mobile Internet (Wibro) equipped with High-Speed Downlink Packet Acces (HSDPA), as well as a future proposal Including all kinds of wireless communication technologies.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a view showing a preferred wireless payment system according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a server 120 that receives predetermined payment information from a payment terminal 115 (or a shopping server 110) that generates predetermined payment information (or inputted by a cashier or extracted from a database). When a payment related message including the payment information data is generated and the payment related message is transmitted to the wireless terminal 100 through a predetermined wired / wireless network (mobile communication network), the wireless terminal 100 reads the payment related message. And a wireless payment system for driving a predetermined payment agent 485 to process a payment.

The wireless payment system shown in FIG. 1 is an online electronic payment system consisting of a predetermined client terminal 105, the Internet, and a shopping server 110 and / or an offline electronic payment system consisting of a predetermined payment terminal 115 and a payment network. Receiving predetermined payment information from the electronic payment system and generating a payment related message including the payment information data, the wireless terminal 100 is mounted or detached IC chip 440 equipped with at least one payment means Server 120 for transmitting to, and a predetermined wired or wireless network transmitted via the payment related message.

The electronic payment system generates predetermined payment information (or inputted by a cashier or extracted from a database (not shown)) according to the electronic payment procedure, and provides the predetermined payment information to the server 120. The client terminal 105 and / or the shopping server 110 and / or the payment terminal 115 on the payment system are generated (or input or extracted).

According to a preferred embodiment of the present invention, the payment information preferably comprises a payment amount and merchant information, payment means information (for example, card company (or financial company) information corresponding to the payment means) according to the method of the skilled person And / or additional information such as purchased product information (eg, a brand name (or model name), manufacturer information, expiration date).

Referring to FIG. 1, the server 120 that receives predetermined payment information from the electronic payment system includes an information receiver 125 that receives predetermined payment information from a predetermined payment terminal 115 or a shopping server 110. And a message generator 130 for generating a payment related message including payment information data formed by processing the received payment information into a predefined data structure, and transmitting the payment related message to the wireless terminal through a mobile communication network. It characterized in that it comprises a transmission unit 135 for transmitting to 100.

The information receiving unit 125 is connected to a terminal (or shopping server 110) that generates (or inputs or extracts) the payment information through a predetermined network (or communication means). Alternatively, the shopping server 110 may receive payment information including payment amount and merchant information and / or payment means information and / or purchase product information.

The message generator 130 generates payment information data by processing the received payment information into a predetermined data structure defined for inclusion in a wireless message transmitted to the wireless terminal 100, and generates the payment information data. The payment related message is generated by being included in a predetermined wireless message, and the payment related message is transmitted to the wireless terminal 100 according to a corresponding wireless message transmission process.

According to a preferred embodiment of the present invention, the wireless terminal 100 may include a personal communication system (PCS) and / or a global system for mobile communications (GSM) terminal and / or a personal digital cellular terminal; A mobile communication terminal including at least one of a PDC) and / or a Personal Handyphone System (PHS) terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone, and the server 120 And when the mobile communication terminal is connected through a mobile communication network, the wireless message includes at least one standard of Short Message Service (SMS) and / or Enhanced Message Service (EMS) and / or Multimedia Messaging Service (MMS). It is preferable to have a data structure. In addition, when a new message standard (or data communication standard) is generated in accordance with the development of mobile communication technology in the future, the wireless message includes a data structure corresponding to the corresponding standard, whereby the technical spirit of the present invention It is not limited.

According to another embodiment of the present invention, the wireless terminal 100 may include a personal communication system (PCS) and / or a global system for mobile communications (GSM) terminal and / or a personal digital cellular terminal; PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or dedicated terminals for smartphones and / or wireless data and / or mobile internet A wireless data communication terminal comprising at least one phone and / or a wireless notebook and / or a portable computer and / or a wearable computer, wherein the server 120 and the wireless data communication terminal are at least one packet-based wireless communication network. (E.g., wireless data communication network other than mobile communication, wireless LAN, Wibro, and future wireless data communication services When connected via a wireless communication network for transmitting and receiving data), the wireless message preferably comprises a data structure including at least one message standard (or data communication standard) transmitted and received through the wireless data communication network. In particular, the wireless message transmitted and received through the wireless data communication network is characterized in that it comprises at least one or more packets. In addition, when a new message standard is generated according to the development of wireless data communication technology in the future, the wireless message includes a data structure corresponding to the corresponding standard, whereby the technical idea of the present invention is not limited.

According to the present invention, the payment related message generated by the message generating unit 130 is characterized in that it comprises a unique data structure that is distinguished (or identified) from the conventional general message, whereby the payment related message The wireless terminal 100 receiving the readout and selectively extracts a payment related message from a wireless message received through a predetermined wired or wireless network and / or a wireless communication means.

Referring to FIG. 1 according to a preferred embodiment of the present invention, a mobile communication network is connected between the server 120 and the wireless terminal 100, whereby the payment related message generated by the message generator 130 is The wireless message including SMS and / or EMS and / or MMS is preferably generated according to at least one standard. A preferred embodiment of the data structure of the payment related message may be easily implemented by those skilled in the art in FIG. 5. Please explain.

The transmitter 135 connects the payment related message generated by the message generator 130 between the server 120 and the wireless terminal 100 according to a corresponding wireless message standard (in the case of FIG. 1). It is characterized in that for transmitting to the wireless terminal 100 through a mobile communication network.

Referring to FIG. 1 according to a preferred embodiment of the present invention, a mobile communication network is connected between the server 120 and the wireless terminal 100, whereby the payment related message transmitted by the transmission unit 135 is Preferably, a wireless message including SMS and / or EMS and / or MMS is transmitted to the wireless terminal 100 through a mobile communication network according to at least one standard, and / or the payment related message is WIPI (Wireless Internet). Platform for Interoperability) preferably comprises a data communication standard that can be received by the data communication application provided in the platform, the wireless terminal 100 receiving the payment-related message using the payment information data included in the payment-related message Payment process is described in Figure 10 to be easily carried out by those skilled in the art Order.

According to another exemplary embodiment of the present invention, the server 120 and the wireless terminal 100 are connected through the mobile Internet, whereby the payment-related message transmitted by the transmission unit 135 is a data communication for the mobile Internet. It is possible to include a specification.

In FIG. 1 according to the preferred embodiment of the present invention, the mobile communication network corresponding to the wired / wireless network connecting the server 120 and the wireless terminal 100 may be equipped with an IC chip 440 having at least one payment means. A detachable wireless terminal 100, a base transceiver station (155) connected to the wireless terminal 100 through a wireless section and connecting a predetermined wireless path, and a base station (BTS) through a wired section And a control station 150 (BTS System Controller; BSC) corresponding to a station that connects the wireless switching station 145 and manages network control processes such as polling, selection, and recovery. And a wireless switching center 145, which constitutes an access point for user traffic between a mobile communications network and another mobile switching center (MSC) in a general telephone network, the same or another mobile communications network. Home location register (HLR) 155 / Visitor Location Register (VLR) 155 that registers the subscriber's location and / or visitor's location, and wireless data communication and connection with other networks in the network infrastructure for voice calls. Interworking function (IWF) 160 for providing circuit data services and / or packet data services for the network.

Referring to FIG. 1 according to a preferred embodiment of the present invention, a payment related message transmitted from the server 120 is reliably guaranteed while ensuring portability and / or mobility of the wireless terminal 100. A predetermined message center 140 (e.g., a Short Message Service Center (SMSC) for SMS and / or an Enhanced Message Service Center (EMSC) for EMS and / or MMS in the mobile communication network for transmission and / or management) MMSC (Multimedia Message Service Center) is preferably provided.

According to another embodiment of the present invention, the wireless network connecting the server 120 and the wireless terminal 100 is a packet-based wireless communication network, and the reliability of end-to-end message transmission and reception by a communication protocol is high. If so, the message center 140 (eg, the server 120 performing resend after the temporary storage of the message) may be omitted.

Referring to Figure 1 according to a preferred embodiment of the present invention, the network interlocking device provided in the mobile communication network using the payment means information read from the IC chip 440, the real-time payment approval from the wireless terminal 100 and And / or a predetermined payment server 165 (e.g., a card company (or financial company) server) for post payment approval (e.g., payment processing and post approval in a shadow account manner) is preferably connected.

According to another exemplary embodiment of the present invention, the information receiving unit 125 and / or the message generating unit 130 and / or the transmitting unit 135 included in the server 120 may be a computer-readable program as the server ( It may be provided with a predetermined recording medium provided to 120.

2 is a view showing a preferred wireless payment system according to another embodiment of the present invention.

In more detail, FIG. 2 generates a payment related message including the payment information data in the payment terminal 115 (or the shopping server 110) generating predetermined payment information (or inputted by a cashier or extracted from a database). When the payment-related message is transmitted to the wireless terminal 100 through a predetermined wired / wireless network (mobile communication network), the wireless terminal 100 reads the payment-related message and drives a predetermined payment agent 485 to make the payment. For a wireless payment system to process.

Referring to FIG. 2, in FIG. 1, the functions of the message generator 130 and / or the transmitter 135 included in the server 120 generate predetermined payment information (or a clerk inputs or extracts from a database). ) Is provided in the payment terminal 115 (or shopping server 110), thereby the payment terminal 115 (or shopping server 110) through the message center 140 on the mobile communication network A predetermined payment related message is transmitted to the wireless terminal 100.

3 is a view showing a preferred wireless payment system according to another embodiment of the present invention.

In more detail, FIG. 3 illustrates a client terminal for inputting payment information to a payment terminal 115 for generating predetermined payment information (or inputted by a cashier or extracting from a database) and / or a predetermined shopping server 110. In step 105, a payment related message including the payment information data is generated, and predetermined short-range wireless communication means (for example, infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), and wireless LAN) are generated. The current short range wireless communication means including Wi-Fi, and / or at least one short range wireless communication means among all kinds of short range wireless communication means provided in the wireless terminal 100 in the future). When the related message is transmitted to the wireless terminal 100, the wireless terminal 100 reads the payment related message and drives a predetermined payment agent 485 to make a payment. For a wireless payment system to process.

Referring to FIG. 3, in FIG. 1, the functions of the message generator 130 and / or the transmitter 135 included in the server 120 may be provided to the payment terminal 115 and / or the client terminal 105. The payment terminal 115 and / or the client terminal 105 is a predetermined for transmitting and receiving a predetermined wireless message corresponding to the predetermined short-range wireless communication means provided in the wireless terminal 100 Communication means is provided so that the payment terminal 115 and / or the client terminal 105 transmits a predetermined payment-related message to the wireless terminal 100 via a short-range wireless communication means.

4 is a diagram illustrating a functional configuration of a wireless terminal 100 according to a preferred embodiment of the present invention.

In more detail, FIG. 4 is related to payment transmitted through a wired / wireless network from a predetermined server 120 based on the payment information provided by a predetermined payment terminal 115 (or shopping server 110) as shown in FIG. Message and / or a payment related message directly transmitted through a wired / wireless network from a payment terminal 115 (or shopping server 110) generating predetermined payment information (or inputted by a cashier or extracted from a database) as shown in FIG. And / or in a predetermined payment related message transmitted through a short range wireless communication means from a payment terminal 115 (and / or a client terminal 105) that inputs and / or generates predetermined payment information as shown in FIG. By using the payment agent 485 corresponding to the predetermined payment information data included in the payment related message, the predetermined payment means information included in the IC chip 440 is read and thereby The preferred functional configuration of the wireless terminal 100 for wireless payment processing. In particular, Figure 4 will be described the functional configuration of the wireless terminal 100 using a mobile communication terminal connected to a mobile communication network to help those skilled in the art to practice the present invention, but the technical spirit of the present invention is not limited by this no.

In terms of hardware, the wireless terminal 100 connected to the mobile communication network according to the preferred embodiment of the present invention has an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, and a battery 420. And the like, and internally, a predetermined modem chip (for example, Qualcomm, USA) that incorporates functions such as a code division multiple access (CDMA) modem, a central processing unit / micro processing unit (CPU / MPU), a vocoder, and the like. MSM series modem chips), duplexer filters that separate transmission and reception signals from various memory devices, one antenna, power amplifiers for amplifying transmission signals, high power amplifiers (HPA), and high power transmission signals. Isolator to prevent phenomena, RF / IF SAW filter to remove out-of-band unwanted signal, frequency up circuit of transmission path, frequency of reception path Includes a direction conversion circuit, a Voltage Controlled Temperature Compensated X-tal Oscillator (VCTCXO) corresponding to a reference clock source, a UHF frequency synthesizer used as a local signal for frequency up-down conversion, and a codec chip for converting an analog voice signal into a digital signal. The internal components are gradually integrated in the modem chip, and the modem chip has various components for various multimedia services and / or additional services in addition to the core components for the mobile communication service. Functions are being directized together.

In addition, in terms of software, the wireless terminal 100 connected to the mobile communication network according to the preferred embodiment of the present invention is preferably equipped with a WIPI (Wireless Internet Platform for Interoperability) platform. Qualcomm's BREW platform or WITOP (Wireless Internet Terminal Open Platform) may be installed, and in some cases, pre-WIPI wireless platforms (eg, GVM / SK-VM, etc.) may be installed.

Referring to the hardware configuration of the wireless terminal with reference to the above described the functional configuration of the wireless terminal, as shown in Figure 4, the control unit 400, the screen output unit 405, the key input unit 410 and the sound processor 415 and The IC chip 440 includes a wireless processor 425, a short-range communication unit 430, a memory unit 445, and a battery 420 for power supply, and includes at least one payment means for wireless payment processing. And an IC chip interface 435 that provides an interface between the IC chip 440 and the wireless terminal 100.

The controller 400 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program routine for providing a function specific to the wireless terminal 100 from a predetermined memory device. (Routine) and / or a bus (BUS) for inputting and outputting the program data and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that from a predetermined memory device and / or chipset in software Generic term of program routines and / or program data loaded into the execution memory and processed by the processor to perform specific functions (hence, in the present invention, recorded on a recording medium of the wireless terminal 100 for wireless payment). A predetermined program routine is illustrated and illustrated as being provided in the control unit 400 for convenience. In addition, various functions to be implemented in the wireless terminal 100 are realized by the controller 400, and in order to realize predetermined functions included in the wireless terminal 100, the overall operation of the wireless terminal 100 is controlled and Characterized in that the management. In particular, in order for the controller 400 to control and manage the overall operation of the wireless terminal 100, the wireless terminal 100 may include an operating system routine from the memory unit 445 in a process of inputting and booting a predetermined power. System control routines and / or system variables are loaded into the execution memory and processed by the processor to configure the controller 400, whereby each functional configuration is operated in the wireless terminal 100.

The screen output unit 405 is a liquid crystal display (LCD) driver for screen output, and is a key input unit 410 by the control unit 400 (for example, a program routine for outputting predetermined information or data to the LCD). Key data generated through the &lt; RTI ID = 0.0 &gt;), various information, signals, and / or content (e. G., Text content, image content, and / or multimedia content) extracted and / or generated in the course of performing certain functions of the wireless terminal ) To the LCD, and through the screen output unit 405 and the LCD is provided a screen output means provided in the wireless terminal.

The key input unit 410 may include at least one key input from a predetermined keypad including a plurality of number keys, character keys, and / or at least one function key. Read a predetermined information or signal corresponding to the data from the data (for example, from a table that stores the information or signal matching the key data) and delivers the information to the control unit 400, the key Key input means provided in the wireless terminal through the input unit 410 and the keypad is provided.

The sound processor 415 encodes a predetermined sound signal input from a microphone provided in the wireless terminal and provides the sound signal to the controller 400 or a predetermined sound extracted and / or generated by the controller 400. A signal is decoded and output through a speaker. To this end, the sound processor 415 is provided with a predetermined vocoder and a codec. Sound input means provided in the wireless terminal is provided through the sound processor 415 and a microphone, or sound output means provided in the wireless terminal is provided through the sound processor 415 and a speaker.

The wireless processor 425 may be associated with the controller 400 (eg, a program routine for providing a mobile communication service) for location registration and / or slot mode and / or power control. Or providing a mobile communication service including a hand-off and / or call processing procedure, wherein the mobile base station corresponding to the end of the mobile communication network in the process of providing the mobile communication service And an RF processing function (eg, antenna control, modulation, synthesis, amplification, and / or filtering of the radio frequency signal) for performing transmission and reception of the radio frequency signal. In particular, the wireless processing unit 425 processes or processes information or a signal transmitted from the wireless terminal to the mobile base station 155 in a CDMA stack to provide the mobile communication service, or receives a CDMA received from the mobile base station 155. It is characterized in that it provides a function for reading a predetermined information or signal from the stack.

According to a preferred embodiment of the present invention, the wireless message (payment related message) received through the wireless network as shown in Figure 1 to Figure 2 via the wireless network via the wireless processing unit 425 via the wireless terminal 100 It is preferable to reach and is received by the wireless message receiving function provided in the wireless terminal 100.

The short range communication unit 430 includes infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), wireless LAN, and Wi-Fi. And providing at least one short-range wireless communication function provided in the terminal, and transmitting / receiving a predetermined terminal provided with the short-range wireless communication means and a predetermined wireless message based on a protocol defined in the short-range wireless communication means. It features.

According to a preferred embodiment of the present invention, as shown in FIG. 3, a wireless message (payment related message) received through a short range wireless communication unit reaches the wireless terminal 100 through the short range communication unit 430. And, it is received by the wireless message receiving function provided in the wireless terminal 100.

The memory unit 445 inputs and outputs information when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the wireless terminal is performed. And / or a general term for a memory device for storing data; read only memory (ROM) corresponding to read-only memory, flash memory (FM), and electrically erasable and programmable read only (EEPROM). Memory) and the like. In general, the ROM stores system information that should not be deleted, and the flash memory stores operating system routines, call processing program routines, and / or application program routines provided through the wireless terminal and information or data therefor. The EEPROM stores terminal registration related parameters, a phone number (eg, an address book), or at least one information and / or data extracted and / or generated while executing an application provided in the wireless terminal.

According to a preferred embodiment of the present invention, the memory unit 445 includes general messages (messages according to respective wireless message protocols) among wireless messages received through the wireless processing unit 425 and / or the local area communication unit 430. A general message storage area for storing and a payment related message storage area for storing payment related messages according to the present invention are preferably provided. For example, if the wireless message received by the wireless terminal 100 is a short message based on SMS, the message storage area is preferably composed of a memory stack for storing a short message of 80 bytes or less.

The IC chip interface 435 includes a payment agent 480 and an IC chip 440 provided in the wireless terminal 100 through the IC chip 440 standard including ISO / IEC 7816 and / or ISO / IEC 14443. It provides information and / or data exchange between them. For example, the IC chip interface 435 provides information and / or data exchange between the IC chip 440 agent program and the IC chip 440 through an Application Protocol Data Unit (APDU).

Referring to the IC chip 440 standard and the EMV standard including ISO / IEC 7816 and / or ISO / IEC 14443 and the like, the IC chip 440 mounted or detached from the wireless terminal 100 includes the IC chip ( 440 is a card terminal device through contact points such as power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply (VPP), and / or input / output (I / O). A processor unit 455 including an input / output interface 450 communicating with the at least one processor, at least one computing element including a central process unit (CPU), a micro process unit (MPU), a coprocessor, and the like; It consists of a memory unit 460 consisting of at least one memory device including a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like. In particular, at least one of the memory devices manages the smart card internal resources. And operating the chip operating system; the (Chip Operating System COS) is provided, and also is provided with at least one IC chip (440) storing information for providing a service using a smart card, at least one of the remaining memory elements.

The IC chip 440 storage information included in the memory unit 460 on the IC chip 440 may include a data storage unit for storing a data set corresponding to data or information read and used by a card terminal program, and / Or a data processing unit for storing and driving a program module (eg, JAVA Applet) that can be used by the card terminal program, and the like, and in particular, the program processing unit 480 includes a card configuration (eg, COS, Or part of a virtual machine of an open smart card, or interlocked with a card configuration.

According to a preferred embodiment of the present invention, a credit card payment means and / or a debit card payment means and / or a check card payment means issued by a predetermined card company (or financial company) and / Or Prepaid Card payment method and / or Electronic Wallet payment method and / or Electronic Bankbook payment means (e.g. payment means for direct payment processing from the electronic bank) is the data And a storage unit (eg, information or data corresponding to payment means information) and a data processing unit (eg, a program routine for authentication / encryption and transaction processing of payment means information). desirable.

Referring to FIG. 4, the wireless terminal 100 includes a receiver 465 for receiving at least one or more wireless messages through a predetermined wired / wireless network and / or wireless communication means; A determination unit 470 that reads the wireless message and determines whether the message is a general message or a payment related message including predetermined payment information data; A processing unit 480 for providing the payment message to a payment agent 485 corresponding to the payment related message when the wireless message is a payment related message as a result of the determination; And extracting predetermined payment information data from the payment message, and using the payment information data, payment means information corresponding to the payment information data from the IC chip 440 mounted or detached from the wireless terminal 100. And a payment agent 485 for reading and processing payment.

According to a preferred embodiment of the present invention, when the received wireless message is a general message, the wireless terminal 100 stores the wireless message in a general message storage area, and when the received wireless message is a payment related message. And a storage unit 475 for storing the wireless message in a payment related message storage area.

According to a preferred embodiment of the present invention, the receiving unit 465 and / or the determining unit 470 and / or the processing unit 480 and / or the storage unit 475 and / or the payment agent 485 are provided on the WIPI platform. It is preferable to operate, and depending on the implementation method may operate on a platform other than WIPI.

The receiving unit 465 is a wireless message received by the wireless processing unit 425 via a wireless network to which the wireless terminal 100 is connected, and / or to the local area communication unit 430 through the short range wireless communication unit. Receive the received wireless message according to the respective wireless message protocol, characterized in that the received wireless message is preferably provided to the determination unit 470.

The determination unit 470 substitutes and / or compares and / or reads a wireless message received by the receiving unit 465 into a predefined payment related message data structure, whereby the wireless message includes predetermined payment information data. It is characterized by determining whether the payment-related message.

According to a preferred embodiment of the present invention, the determination unit 470 checks a predefined memory location to include an identifier from any data area on the received wireless message, and includes it in the payment related message from the memory location. It is preferable to detect a predetermined identifier known to be possible, and if the identifier is detected, it is determined to be a payment related message, and if not detected, a general message is determined.

As a result of the determination by the determination unit 470, if the received wireless message is a general message, the reception unit 465 provides the received wireless message to the storage unit 475, and the storage unit 475 may be configured as the wireless message. After storing the wireless message in the general message storage area on the memory unit 445, the wireless message is output on the screen according to a predetermined wireless message processing procedure.

According to an exemplary embodiment of the present disclosure, when the wireless message received as a result of the determination is a payment related message, the storage unit 475 transmits the payment related message to the payment related message storage area on the memory unit 445. It is desirable to save the message.

Alternatively, if the determination result of the determination unit 470, the received wireless message is a payment-related message, the receiving unit 465 provides the received wireless message to the processing unit 480, the processing unit 480 The payment related message is read and the payment related message (or payment information data extracted from the payment related message) is provided to a predetermined payment agent 485 corresponding to the payment related message.

According to a preferred embodiment of the present invention, the processing unit 480 preferably includes performing a validity authentication (eg, validating using a checksum) on the received payment-related message, and checking the payment-related message. If omitted, the validity authentication using the checksum may be omitted.

According to another exemplary embodiment of the present invention, the processor 480 encrypts the payment related message (or payment information data included in the payment related message) based on a wireless public key infrastructure (WPKI). Or electronic signature), and in this case, the processor 480 may authenticate validity of the payment related message (or payment information data) based on the wireless public key infrastructure.

According to a preferred embodiment of the present invention, the processing unit 480 is driven by a predetermined payment agent 485 corresponding to the payment related message (or payment information data included in the payment related message) in the wireless terminal 100. It is preferable to include whether or not to check, and if the predetermined payment agent 485 corresponding to the payment-related message (or payment information data) is not running, corresponding to the payment-related message (or payment information data) Preferably, the method further includes executing a predetermined payment agent 485.

According to one method of the present invention, the processing unit 480 preferably provides the received payment related message to the payment agent 485, and the payment agent 485 provides a predetermined payment from the payment related message. It is preferable to extract information data and to read predetermined payment means information from the IC chip 440 using the payment information data.

According to another method of the present invention, the processing unit 480 extracts predetermined payment information data from the received payment related message, and provides the extracted payment information data to the payment agent 485. The payment agent 485 preferably reads predetermined payment means information from the IC chip 440 using the payment information data.

The payment agent 485 is a payment processing program corresponding to the payment related message, and reads predetermined payment means information corresponding to payment information data included in the payment related message from the IC chip 440. And performing a predetermined wireless payment procedure using the payment means information.

According to a preferred embodiment of the present invention, the payment agent 485 is valid for the IC chip 440 (for example, a PIN (Personal Identification Number)) through the IC chip interface 435 provided in the wireless terminal 100. ), A function of authenticating confidentiality, authentication, integrity, and nonrepudiation), and a function of reading predetermined payment means information from the IC chip 440. Preferably, it is preferably made, including a function for performing a wireless payment procedure using the read payment means information.

According to a preferred embodiment of the present invention, the payment agent 485 performs a wireless payment procedure, the wireless terminal 100 directly accesses the payment server 165 corresponding to the payment means information directly wireless A method of processing a payment and transmitting the payment means information to a server 120 (or a terminal) that has transmitted the payment related message from the wireless terminal 100 so that the server 120 (or a terminal) processes the payment. And the payment process through the IC chip 440 in a shadow account method corresponding to the payment means information in the wireless terminal 100, and then a post-approval method.

5 is a diagram illustrating a preferred payment related message structure according to an embodiment of the present invention.

In more detail, FIG. 5 is a preferred structure for utilizing a wireless message (eg, short message (SMS)) transmitted and received through a mobile communication network as shown in FIGS. 1 to 2 as a payment related message proposed by the present invention. As shown in FIG. 5, one of ordinary skill in the art may refer to the message structure shown in FIG. 5 and refer to other types of wireless messages (eg, EMS and / or) currently provided through a mobile communication network. MMS) and / or other types of wireless messages provided through a packet-based wireless communication network may be easily used as payment related messages. That is, the message structure shown in FIG. 5 is only for easy implementation by those skilled in the art, and the technical spirit of the present invention is not limited to the case shown in FIG.

According to the present invention, the payment-related message is characterized in that it follows a predetermined wireless message protocol received by the wireless terminal 100, a predetermined identifier and payment for distinguishing from the general message in any data area of the wireless message And inserting the information data.

Referring to FIG. 5, the payment related message includes a message header corresponding to an essential area (eg, a message block according to IS-637 (TMS Standard for SMS) in the case of a short message), and an identifier and payment information data in an arbitrary data area. And it characterized in that it comprises a checksum (CHK).

The identifier is an identification code for identifying (or distinguishing) the payment related message from a conventional general message, and includes a client terminal 105 and / or a wireless terminal for transmitting a predetermined wireless message to the wireless terminal 100. / Or the shopping server 110 and / or the message transmission server 120, etc. characterized in that it comprises a character code or a binary code that can not be included in a general message, and in some cases special symbols or special characters (for example "*" "," # ") May be included at least one.

For example, the identifier may include at least one character code or binary code not used in a general message, such as 0X00 (NULL) and / or 0X02 (STX) and / or 0X03 (ETX) and / or 0X1B (ESC). In order to be compatible with the Hangul message, it is preferable that the two-byte code, and may consist of a code of 1 byte or more than 3 bytes. Occasionally, special marriages or special characters such as “$” (0 24) and / or “&” (0 26) and / or “#” (0 23) and / or “*” (0 2A) are at least One or more may be included.

The payment information data may include a payment amount (for example, a payment amount for a purchased product) and merchant information (for example, in the case of wireless payment using a credit card payment method, a merchant code assigned to a merchant by a card company, or a wireless account using an electronic bank account or a financial account). In the case of payment, it comprises a financial account number of the merchant opened in the financial institution, characterized in that, in some cases the payment means information (for example, the terminal (or server 120) on the electronic payment system wireless terminal 100) Defining the predetermined payment means information from the wireless terminal 100 to the IC chip 440 when the payment is set in advance in the payment means provided in the IC chip 440 mounted or detached to Information) and / or purchased goods information (for example, information about purchased goods for which the payment amount is made). It is preferred.

According to a preferred embodiment of the present invention, the payment amount of the payment information data is fixed in length on the data area, it is preferably made of an integer (Integer) within 2 to 4 bytes to prevent the value from being changed arbitrarily When the maximum limit amount is set and the length can be fixed (for example, when the limit digit of the payment amount is fixed to 10 digits and the payment amount is 1 million won, it is defined to be expressed as “0001000000”). ), The payment amount may be composed of a character code of 0 30 ~ 0 39.

According to a preferred embodiment of the present invention, the merchant information of the payment information data, if the payment means for payment processing is fixed, merchant information necessary for the electronic payment processing corresponding to the payment means (for example, paying a credit card) In the case where the device is fixed for use as a means, the card company preferably includes a merchant code (or terminal device serial number) assigned to the merchant. If the payment means is not fixed, the IC chip 440 may be provided. At least one merchant information (e.g., merchant code for credit card payment processing, and / or merchant bank account number for payment processing using a financial account) for payment processing to be performed through at least one payment method among payment methods. It is preferable to comprise. Alternatively, when the predetermined data area includes predetermined payment means information set by the terminal (or server 120), it is preferable to include affiliated store information required for payment processing using the corresponding payment means. .

According to a preferred embodiment of the present invention, when the payment means information of the payment information data is set in the terminal (or server 120) on the electronic payment system, payment by the payment means corresponding to the set payment means As the information for processing, when the credit card payment means is selected, the card company information is preferably included. If the payment method using the financial account is selected, the information on the credit card is preferably included. .

According to a preferred embodiment of the present invention, the purchase product information of the payment information data is information for allowing the user of the wireless terminal 100 to determine which goods were purchased at what stores and at what time. It is preferable to include a predetermined character code in the remaining area of the data area.

The checksum (CHK) is for confirming validity of payment related information (eg, identifier and payment information data) included in the arbitrary data area. According to a preferred embodiment, the identifier and payment information data are stored in units of 1 byte. It is preferable that the result value including the XOR operation is included.

In addition, the payment-related message may include a message header and / or identifier indicating that the payment-related message and payment information data.

6 is a diagram illustrating a process of transmitting a payment related message to a wireless terminal 100 according to an embodiment of the present invention.

6 shows the server 120 in the shopping server 110 on the online electronic payment system including the client terminal 105 and the shopping server 110 in the wireless payment system as shown in FIG. When the payment information for the purchased product is provided, the server 120 generates a payment related message including the payment information data and transmits the wireless terminal 100 to the terminal.

Referring to FIG. 6, a user of a wireless terminal 100 in which an IC chip 440 equipped with at least one payment means is mounted or detached is provided to a shopping server 110 (eg, the Internet) through a predetermined client terminal 105. When the user purchases a predetermined product by accessing the shopping server 110, the digital broadcasting shopping server 110, and the home shopping server 120 (600), the shopping server 110 for the purchased product information and the purchased product The payment amount is provided to the client terminal 105 (605), and the client terminal 105 determines whether to pay the payment amount for the purchased product based on the purchase product information and the payment amount.

If it is determined to pay the purchased goods (610), the client terminal 105 enters a predetermined wireless terminal 100 phone number to receive the payment related message and transmits to the shopping server 110 (615) In operation 620, the shopping server 110 transmits payment information (eg, payment amount and merchant information) for the purchased product and the telephone number of the wireless terminal 100 to the server 120.

When the payment information is received, the server 120 generates a predetermined payment related message using the payment information (625), and wirelessly transmits the generated payment related message using the wireless terminal 100 phone number. Transmit (630) to the wireless terminal 100 via a network (eg, via message center 140).

7 is a diagram illustrating a process of transmitting a payment related message to the wireless terminal 100 according to another exemplary embodiment of the present invention.

In more detail, FIG. 7 includes a predetermined payment information data in the payment terminal 115 on the offline electronic payment system including the payment terminal 115 and the payment network in the wireless payment system as shown in FIG. This is a case where a payment related message is generated and transmitted to the wireless terminal 100.

Referring to FIG. 7, a clerk of an offline merchant enters a payment amount for a product purchased by a user of a wireless terminal 100 into a payment terminal 115 provided at a store, or the payment terminal 115 is provided from a POS terminal. Extracting (700), and from among at least one or more payment means supported by the payment terminal 115, the user of the wireless terminal 100 selects which payment method to use (705).

According to a preferred embodiment of the present invention, it is preferable that the payment terminal 115 is provided with a payment selection menu using the wireless terminal 100 for the wireless payment processing proposed by the present invention.

If the wireless payment using the wireless terminal 100 is not selected (710), the payment terminal 115 is a conventional electronic payment procedure (for example, using a credit card in the form of a plastic card) using the selected payment means (for example, In the payment terminal 115, the payment process is performed according to a procedure of obtaining a payment approval from the payment server 165 through a value added network (VAN) (715).

On the other hand, if the wireless payment using the wireless terminal 100 is selected (710), the payment terminal 115 outputs a menu for inputting the telephone number of the wireless terminal 100, thereby wireless to receive the payment-related message The terminal 100 enters a phone number (720).

When the radio terminal telephone number is input, the payment terminal 115 generates a predetermined payment related message including payment information data for the purchased product (725), and the payment terminal 115 generates the payment. The relevant message is transmitted to the wireless terminal 100 via the wireless network (for example, through the message center 140) using the telephone number of the wireless terminal 100 (730).

8 is a diagram illustrating a process of transmitting a payment related message to a wireless terminal 100 according to another embodiment of the present invention.

In detail, FIG. 8 illustrates a payment related message including predetermined payment information data in the payment terminal 115 having a short range wireless communication means for transmitting and receiving wireless messages in the wireless payment system as shown in FIG. For the case of transmitting to the wireless terminal 100 through the short-range wireless communication means.

Referring to FIG. 8, a cashier of an offline merchant enters a payment amount for a product purchased by a user of a wireless terminal 100 into a payment terminal 115 provided at a store, or the payment terminal 115 is provided from a POS terminal. In operation 805, the user of the wireless terminal 100 selects which payment method the payment terminal uses among at least one payment means supported by the payment terminal 115 (805).

If the wireless payment using the wireless terminal 100 is not selected (810), the payment terminal 115 is a conventional electronic payment procedure (for example, using a credit card in the form of a plastic card) The payment terminal 115 processes the payment according to the procedure of obtaining payment approval from the payment server 165 through a value added network (VAN) (815).

On the other hand, if the wireless payment using the wireless terminal 100 is selected (810), the payment terminal 115 outputs a menu for inputting the telephone number of the wireless terminal 100, thereby wireless to receive the payment-related message The terminal 100 inputs a phone number (820).

When the wireless terminal telephone number is input, the payment terminal 115 may receive the payment related message through a communication connection target search function provided in a predetermined short range wireless communication unit based on the wireless terminal 100 telephone number. The wireless terminal 100 is searched for (825).

If the search result is successful in the wireless terminal 100 (830), the payment terminal 115 generates a payment related message transmitted and received through the short-range wireless communication means including the predetermined payment information data (840) In operation 845, the generated payment related message is transmitted to the wireless terminal 100 through the short range wireless communication means.

9 is a diagram showing a wireless payment method according to a preferred embodiment of the present invention.

In more detail, FIG. 9 illustrates a case in which a wireless payment is performed through the received payment related message in the wireless terminal 100 when the payment related message is received through the same process as in FIGS. 6 to 7 to 8. It is about.

Referring to FIG. 9, when a predetermined wireless message is received by the wireless terminal 100 through a predetermined wireless network and / or a short range wireless communication means (900), the wireless terminal 100 reads the received wireless message. In operation 905, it is determined whether the message is payment related.

If the received wireless message is not a payment related message (910), the wireless terminal 100 performs a predetermined wireless message processing procedure to output and / or store the received wireless message (915).

On the other hand, if the received wireless message is a payment related message (910), the wireless terminal 100 checks the validity of the payment-related message (620).

If the validity of the payment related message is not authenticated (925), the wireless terminal 100 generates and outputs a wireless payment performance error using the payment related message on a screen (930), and receives the received payment related The message is deleted from the memory unit 445 (935).

On the other hand, if the validity of the payment-related message is authenticated (925), the wireless terminal 100 extracts payment information data included in the payment-related message (940), and the payment included in the extracted payment information data. The amount of money and the purchased product information are displayed on the screen, and the wireless terminal user waits whether a payment approval for the payment process is input (945).

According to a preferred embodiment of the present invention, it is preferable that the payment is approved by clicking a menu or clicking a confirmation button on the wireless terminal 100.

If the payment amount is not approved (950), the wireless terminal 100 generates and outputs a wireless payment execution error using the payment related message on a screen (930), and outputs the received payment related message. The memory unit 445 deletes the data from the memory unit 445 (935).

If the payment amount is approved (950), the wireless terminal 100 reads the payment information data to determine whether to drive the payment agent 485 corresponding to the payment-related message (or payment information data). (955).

If the payment agent 485 needs to be driven (960), the wireless terminal 100 automatically executes (965) a payment agent 485 corresponding to the payment related message (or payment information data), thereby making the payment. Perform a wireless payment procedure using the relevant message.

10 is a diagram illustrating a wireless payment processing process according to a preferred embodiment of the present invention.

In more detail, FIG. 10 illustrates a preferred case in which the wireless agent 100 performs a wireless payment procedure through the payment agent 485 when the payment agent 485 is driven through the same process as in FIG. 9. .

Referring to FIG. 10, the wireless terminal 100 checks the validity of the IC chip 440 required in the payment processing process through the PIN using the payment agent 485 (1000). When the validity of the chip 440 is authenticated (1005), the wireless terminal 100 through the payment agent 485 in response to the payment information data from the IC chip 440, a predetermined for wireless payment processing Read payment means information (e.g., when payment information is included in the payment information data, automatically reads the payment means information corresponding to the payment means information, or IC when payment means information is not included in the payment information data. In operation 1010, the method further selects a predetermined payment means from at least one payment means provided in the chip 440 (not shown).

After the payment means is read as described above, if the wireless payment processing procedure corresponding to the payment means information is not required in real time payment approval (1015), the wireless terminal 100 is the payment through the IC chip 440 After payment processing in a shadow account method corresponding to the means information (1020), and receives a post-approval (not shown) for the shadow account.

On the other hand, if a wireless payment processing procedure corresponding to the payment means information is required in real time payment approval (1015), the wireless terminal 100 determines whether to process the payment directly or indirectly, if the wireless terminal ( When the payment is directly processed using the payment means information (100) (1025), the wireless terminal 100 generates a predetermined payment request message including the payment means information and the payment information to the payment server (165) In step 1030, and after receiving a predetermined payment approval message from the payment server 165 (1035), the payment related message is stored in the memory unit 445 of the wireless terminal 100 (1040). ).

On the other hand, in case of indirect payment processing using the payment means information (1025), the wireless terminal 100 transmits the payment means information to the server 120 (or terminal) that sent the payment related message (1045) ), The server 120 (or the terminal) generates a payment request message including the payment means information and payment information and transmits to the payment server 165 (1050), the predetermined from the payment server 165 Receive a payment approval text (1055).

11 is a diagram showing a wireless payment method according to a preferred embodiment of the present invention.

In more detail, FIG. 11 illustrates a wireless platform (eg, WIPI) supporting multiple applications in the wireless terminal, and in the state in which a predetermined application is already executed in the wireless terminal 100, FIGS. In the case where a payment related message is received through the process as shown in FIGS. 7 to 8, the wireless terminal 100 is a preferred case of performing wireless payment through the received payment related message.

However, the wireless payment method shown in FIG. 11 is a type of application programs that are already executed in the wireless terminal 100 (for example, a voice call application or a data communication application or a call waiting application or a game application). ) And the internal communication method between the payment agent (for example, whether the application mounted on the wireless terminal shares the reception unit 465, the determination unit 470, or the processing unit 480, or is provided within a specific application program). Can be implemented. That is, FIG. 11 is for explaining a preferred wireless payment method for a wireless platform that supports multiple applications to those skilled in the art, and supports multiple applications according to the present invention. The wireless platform-based wireless payment method is not limited to the case of FIG.

Referring to FIG. 11, a wireless terminal 100 having a wireless platform supporting multiple applications includes a predetermined application program (for example, a voice call application or a data communication application or a call waiting application or a game application). Etc.), and when predetermined wireless data is received by the wireless terminal 100 through a predetermined wireless network and / or a short range wireless communication means while the predetermined application program is being executed as described above (1100). In operation 1110, the wireless terminal 100 temporarily suspends the operation of the currently executing application program and reads the received wireless data to determine whether the payment is a message related to payment.

If the received wireless data is not a payment related message (1115), the wireless terminal 100 performs a predetermined wireless data processing procedure corresponding to the wireless data to output and / or store the received wireless data. Afterwards 1120, the wireless terminal 100 reloads (1145) an application that was previously running (or paused).

On the other hand, if the received wireless data is a payment related message (1115), the wireless terminal 100 checks the validity of the payment related message (1125).

If the validity of the payment related message is not authenticated (1130), the wireless terminal 100 generates and outputs a wireless payment performance error using the payment related message on a screen (1135), and receives the received payment related information. After deleting the message from the memory unit 445 (1140), the wireless terminal 100 reloads (1145) an application program that was previously running (or paused).

On the other hand, if the validity of the payment-related message is authenticated (1130), the wireless terminal 100 extracts payment information data included in the payment-related message (1150), the payment included in the extracted payment information data Outputs the amount of money and purchase goods information on the screen, and waits for a payment approval for the payment processing from the wireless terminal user (1155), wherein the payment approval is clicked on a payment related menu in the wireless terminal 100; Or it is preferable to include clicking a confirmation button.

If the payment amount is not approved (1160), the wireless terminal 100 generates and outputs a wireless payment execution error using the payment related message on a screen (1135), and outputs the received payment related message. After deleting from the memory unit 445 (1140), the wireless terminal 100 reloads an application program that was previously running (or paused) (1145).

If the payment amount is approved (1160), the wireless terminal 100 reads the payment information data to determine whether to drive a payment agent 485 corresponding to the payment related message (or payment information data). (1165).

If the payment agent 485 needs to be driven (960), the wireless terminal 100 automatically executes the payment agent 485 corresponding to the payment related message (or payment information data), and executes the executed payment agent. In operation 485, a first execution priority that is to be executed first among the plurality of application programs executed in the wireless terminal is assigned to the first execution priority 1375, the wireless payment procedure using the payment related message is performed.

After the wireless payment procedure is performed as described above, the payment corresponding to the payment related message is processed through the process as shown in FIG. 10, and the wireless terminal 100 is previously transferred at the end of the process shown in FIG. 10. It is also possible to further include reloading the application that was running (or paused).

According to the present invention, wireless Internet access and / or callback UEL () using a wireless terminal in which an IC chip equipped with at least one or more payment means is mounted or detached at the time of online and / or offline electronic payment and / or payment processing. There is an advantage of convenient payment processing without network access using Callback URL).

According to the present invention, a payment including predetermined payment information data from a terminal and / or a server for generating payment information (or inputted by a user or extracted from a database) during electronic payment and / or payment processing on and / or offline. A shadow account method is provided by providing a related message to a wireless terminal through a predetermined communication network and / or a wireless communication means, and processing the payment by using the payment information provided in the payment information data and the IC chip in the wireless terminal. There is an advantage of saving fees by processing payment.

Claims (28)

In the wireless terminal is mounted or detached memory having at least one payment means, A receiving unit for receiving at least one or more wireless messages through a predetermined communication network (or wireless network); A determination unit that reads the wireless message and determines whether the message is a general message or a payment related message including payment information data; And And, if the wireless message is a payment related message, a payment agent for performing a payment process corresponding to the payment related message (or payment information data included in the payment related message). Wireless terminal for payment. The method of claim 1, If the wireless message is a payment related message, providing the payment related message to a payment agent corresponding to the payment related message, or And a processing unit which extracts predetermined payment information data from the payment related message and provides it to the payment agent. The method of claim 2, wherein the processing unit And when a payment agent is not driven in the wireless terminal while a payment related message is received by the wireless terminal, executing and executing a payment agent corresponding to the payment related message. The method of claim 2, wherein the processing unit When a payment agent is pre-driven in the wireless terminal while a payment related message is received by the wireless terminal, extracting predetermined payment information data from the payment related message and providing the same to a payment agent corresponding to the payment related message. A wireless terminal for wireless payment, characterized in that. The method of claim 1, wherein the payment agent, Extracting predetermined payment information data from the payment related message, reading predetermined payment means information from a memory mounted or detached from the wireless terminal, and then performing payment processing corresponding to the payment information data; Wireless terminal for wireless payment. The method of claim 1, wherein the memory, Wireless payment wireless terminal comprising an IC chip. The wireless terminal of claim 1, wherein A memory unit having a storage area for storing the payment related message; A storage unit for storing the wireless message in a general message storage area when the received wireless message is a general message and storing the wireless message in a payment related message storage area when the received wireless message is a payment related message; Wireless terminal for wireless payment, characterized in that further comprises. The method of claim 1, wherein the payment-related message A message header and / or identifier indicating that the message is payment related, A wireless terminal for wireless payment, characterized in that comprises the payment information data. The method according to any one of claims 1 to 8, wherein the payment related message, And a checksum for authenticating the validity of the message header and / or the identifier and / or the payment information data. The method according to any one of claims 1 to 8, wherein the payment related message, The payment information data, And a payment amount and / or merchant information and / or payment means information. The method of claim 1, wherein the wireless terminal Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or a wireless data communication terminal and / or a mobile internet phone, the wireless payment terminal comprising at least one or more. A recording medium comprising a program for executing the wireless terminal function according to any one of claims 1 to 7. A message generator for generating a predetermined payment related message including at least one payment information; A server (or apparatus) having a transmission unit for transmitting the payment related message to a wireless terminal of the payment processing target client through a communication network (or a wireless network); And A determination unit which reads the message provided from the server (or the device) and determines whether the message is a general message or a payment related message including payment information data; And if the message is a payment related message, a client wireless terminal having a payment agent for performing a payment process corresponding to the payment related message. The method of claim 13, wherein the payment agent, Extract predetermined payment information data from the payment related message, read predetermined payment means information from a memory (or IC chip) mounted on or detached from the wireless terminal, and perform payment processing corresponding to the payment information data. Wireless payment system, characterized in that performing. The method of claim 13, wherein the server (or device), And receiving the predetermined payment information from a predetermined payment terminal or a web server and generating the received payment information as a predetermined payment related message. The wireless payment system of claim 13, wherein And a message center which relays the payment related message to a wireless terminal through a communication network. The wireless payment system of claim 13, wherein And a payment server for approving the wireless payment corresponding to the payment information data in association with the wireless terminal. The method of claim 13, wherein the payment-related message A message header and / or identifier indicating that the message is payment related, Wireless payment system comprising a billing information data. 19. The method of claim 13 or 18, wherein the payment related message is And a checksum for authenticating the validity of the message header and / or identifier and / or payment information data. 19. The method of claim 13 or 18, wherein the payment information data Wireless payment system comprising at least one or more payment amount and / or merchant information and / or payment means information. The method of claim 13, wherein the wireless terminal is Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A wireless payment system comprising at least one of a personal digital assistant (PDA) and / or a smart phone and / or a wireless data communication terminal and / or a portable internet phone. The server of claim 13, wherein the server is A wireless payment system comprising at least one payment agency server and / or financial institution server and / or card company server and / or mobile carrier server and / or Van (VAN) server and / or server on the network. In the wireless payment method comprising a wireless terminal having at least one payment means and a server (or device) for transmitting a payment related message to the wireless terminal, Receiving at least one wireless message from the server (or device) via a communication network (or wireless network) at the wireless terminal; Reading the wireless message from the wireless terminal and determining whether the message is a general message or a payment related message including payment information data; If the wireless message is a payment related message, extracting predetermined payment information data from the payment related message in the wireless terminal; And performing a payment process corresponding to the extracted payment information data by using a payment means provided in the wireless terminal. The method of claim 23, wherein Receiving predetermined payment information from a predetermined payment terminal or a web server at the server (or device); Processing at the server (or device) the payment information to insert the received payment information into a wireless message; Generating a payment related message including the payment information data in the server (or device); And And transmitting the payment related message from the server (or the device) to the wireless terminal through a communication network (or a wireless network). The method of claim 23, wherein the reading of the wireless message by the wireless terminal to determine whether the message is a general message or a payment related message including payment information data comprises: As a result of the determination, when the wireless message is a general message, storing the general message in a general message storage area of a memory unit provided in the wireless terminal; And If the wireless message is a payment related message, determining whether a payment agent corresponding to the payment related message is running in the wireless terminal; If the payment agent is running as a result of the determination, the wireless terminal provides the payment related message to the payment agent corresponding to the payment related message, and if the payment agent is not running, the payment is made by the wireless terminal. And providing the payment related message by driving a payment agent corresponding to the related message. The method of claim 23, wherein the performing of the payment processing corresponding to the extracted payment information data by using the payment means provided in the wireless terminal comprises: Generating a predetermined payment request message in the wireless terminal; And transmitting the payment request message from the wireless terminal to a payment server through a communication network and requesting a payment approval. The method of claim 23, wherein the performing of the payment processing corresponding to the extracted payment information data by using the payment means provided in the wireless terminal comprises: And transmitting the payment means information from the wireless terminal to the server (or device). A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 23 to 27.

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