KR100751910B1 - Communication Function Loaded Electric Home Appliances and Home Network Server, and Method for Mobile Payment - Google Patents

Abstract

According to an aspect of the present invention, there is provided a home appliance including communication means for transmitting and receiving predetermined information or data by connecting to or connecting to an external network, comprising: a memory unit for storing predetermined wireless terminal information; And a communication unit configured to transmit wireless terminal information stored in the memory unit to a server on a network through the communication means, when a predetermined payment process is performed. Wireless payment processing method and system and recording medium therefor. Thus, when predetermined payment processing is executed in the household electrical appliance, predetermined payment information is input to the household electrical appliance, and / or predetermined payment means are provided in the predetermined card terminal device interlocked with the household electrical appliance. There is an advantage that the payment process is conveniently performed by inserting an IC card and requesting a payment, which is omitted, and also through the payment means and the mobile communication network provided on the IC chip mounted or detached from the wireless terminal. By processing a payment executed in the device, there is an advantage of automatically securing the confidentiality, authentication, integrity, nonrepudiation, and the like required for the payment processing.

Home Network, Payment, Digital Home, IP

Description

Home appliance and home network server with communication function and wireless payment processing method using same {Communication Function Loaded Electric Home Appliances and Home Network Server, and Method for Mobile Payment}

1 is a diagram illustrating a home payment system according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a home payment system according to another exemplary embodiment of the present invention.

3 is a diagram illustrating a home payment system according to another exemplary embodiment of the present invention.

4 is a diagram illustrating a home payment system according to another exemplary embodiment of the present invention.

5 is a view showing a functional configuration of a home appliance 200 according to a preferred embodiment of the present invention.

6 to 7 to 9 illustrate a home payment system according to an embodiment of the present invention on a home network.

10 is a diagram illustrating a home payment system provided in a digital television capable of bidirectional communication according to an embodiment of the present invention.

11 is a view showing a preferred home payment method according to an embodiment of the present invention.

12 is a view showing another home payment method according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a home payment system provided in a water purifier 1300 having communication means according to another exemplary embodiment of the present invention.

14 is a view showing a preferred home payment method according to another embodiment of the present invention.

15 is a view showing another home payment method according to another embodiment of the present invention.

<Description of main parts of drawing>

100: wireless terminal 200: home appliances

205: wireless terminal information 300: server

305: Receiver 310: Message unit

315: extractor 320: payment information

325: payment processing unit 400: payment server / financial server

The present invention provides a wireless payment to a predetermined home appliance including a home appliance provided in a home and / or a home server on a home network and / or a home server on a home network, including a predetermined communication means and a memory unit. After storing predetermined wireless terminal information on which an IC chip having a predetermined payment means is mounted or detached for processing, and when predetermined payment processing is executed in the household electrical appliance, the wireless terminal information is stored in the household electrical appliance. It is to provide a home payment method and system characterized in that the wireless payment processing by extracting predetermined payment information for wireless payment processing to the wireless terminal through a predetermined communication means and / or at least one wired or wireless network.

With the development of ubiquitous network environment with the development of information communication technology and broadcasting technology, home appliances equipped in the home perform networking through broadband home server by integrating with information communication infrastructure while performing inherent functions. The home network function is being added, whereby the home appliance further includes the function of the information communication terminal based on the home network in the previous home appliance.

On the other hand, in order to give the home appliances a function of the information communication terminal, each home appliance must be given a unique address. In the current IPv4 based on the 32-bit address system, it is necessary to give each home appliance a unique address. It is virtually impossible. Thereby, the current home network is configured such that a home server given a predetermined communication means and an IP address can control and network at least one or more home appliances corresponding to the home client.

The latest home payment method proposed for payment processing in the conventional home network system as described above includes a predetermined IC card payment terminal device in a home server controlling a home client (home appliance connected to the home network) on the home network. And the home server controls the home client to process a predetermined payment through the IC card payment terminal device.

However, in order to process a payment through the conventional home payment method as described above, a customer (for example, a resident of a house equipped with a home network system) must always carry a predetermined IC card that can be used in the IC card payment terminal device. In addition, there is an inconvenience in that a predetermined user manipulation process for payment processing must be performed in front of a home server for home payment, and the home server is connected to the Internet (eg, ASL (Asymmetric Digital Subscriber Line) or VDSL (Very high-data rate). Access to public networks such as the Digital Subscriber Line) implies the risk of hacking and / or theft of the payment process.

The present invention is derived to solve the above problems, after storing the predetermined wireless terminal information that is mounted or detached IC chip equipped with a predetermined payment means in the memory unit provided in the home appliance, When a predetermined payment process is executed in the home appliance, when the home appliance extracts the wireless terminal information from the memory unit and transmits the wireless terminal information to a server on a network, the server receives the predetermined payment information based on the wireless terminal information. By transmitting to a wireless terminal, it is an object of the home payment method and system for payment processing through the payment information in the wireless terminal.

Another object of the present invention is to store predetermined wireless terminal information in which an IC chip having a predetermined payment means is mounted or detached in a memory unit provided in the household electrical appliance, and then predetermined payment processing is executed in the household electrical appliance. When the home appliance receives predetermined payment information from a server on a network and extracts the wireless terminal information from the memory unit, and transmits the payment information to the predetermined payment agent server in association with the wireless terminal information. The payment agent server transmits predetermined payment information to the wireless terminal based on the wireless terminal information, and the home payment method and system for payment processing through the payment information in the wireless terminal.

Still another object of the present invention is to store predetermined wireless terminal information in which an IC chip having a predetermined payment means is mounted or detached in a memory unit provided in a home server on a home network, and then managed by the home server. When a predetermined payment process is required in a home appliance, when the home server extracts the wireless terminal information from the memory unit, and the home server transmits the wireless terminal information to a server on a network in place of the home appliance, An object of the present invention is to provide a home payment method and a system in which the wireless terminal transmits predetermined payment information based on the wireless terminal information to the wireless terminal, thereby making payment processing through the payment information in the wireless terminal.

Still another object of the present invention is to store predetermined wireless terminal information in which an IC chip having a predetermined payment means is mounted or detached in a memory unit provided in a home server on a home network, and then managed by the home server. When a predetermined payment process is required in a home appliance, the home server extracts the wireless terminal information from the memory unit, and the home server receives predetermined payment information from a server on a network and associates with the wireless terminal information. The home payment method and system for the payment processing through the payment information in the wireless terminal by transmitting the predetermined payment information based on the wireless terminal information from the payment agency server, if the transfer to a predetermined payment agency server; For the purpose.

According to an aspect of the present invention, there is provided a home appliance including: a home appliance having communication means for transmitting and receiving predetermined information or data by connecting or connecting to an external network, the home appliance comprising: a memory unit configured to store predetermined wireless terminal information; And a communication unit configured to transmit wireless terminal information stored in the memory unit to a server on a network through the communication unit at a predetermined payment process.

According to a preferred embodiment of the present invention, the home appliance comprises: a screen output unit for outputting predetermined payment related information received through the communication means; And a user operation unit that performs a predetermined user operation required for the payment processing during the predetermined payment processing.

According to a preferred embodiment of the present invention, the communication unit preferably connects or connects with an external network to receive predetermined payment information, and / or connects or connects with an external network to receive predetermined payment information, In the payment process, it is preferable to further transmit the payment information to a server on the network.

According to a preferred embodiment of the present invention, the home appliance preferably comprises a home appliance including at least one of a digital television, a refrigerator, a washing machine, a water purifier, an air purifier, a microwave oven, audio, a computer, and / or communication. It is preferable to have a predetermined device unique number (telephone number or ENUM (tElephone NUmber Mapping) number) and / or IP address for processing, and / or to store the IP address of the server in advance, or It is preferable to receive an IP address of the server through a predetermined communication channel, and / or to be connected to an external network through a predetermined gateway, and to connect the predetermined communication channel with the server via the external network. And / or to perform near field communication with a given wireless terminal. It further includes a re-wireless communication means.

According to the present invention, the recording medium provided in the home appliance is provided in a home appliance including at least one of a digital television, a refrigerator, a washing machine, a water purifier, an air purifier, a microwave oven, audio, and a computer provided in a home. Storing predetermined wireless terminal information on a memory; Extracting the wireless terminal information from the memory during a predetermined payment process; And a function of connecting or connecting the extracted wireless terminal information to an external network and transmitting the predetermined information or data to a server on the network through communication means for transmitting and receiving predetermined information or data.

According to a preferred embodiment of the present invention, the program preferably further realizes a function of outputting predetermined payment related information received through the communication means to a predetermined display output means, and / or an IP address of the server. It is preferable to further implement the function of storing the IP address or the IP address of the server through a predetermined communication channel in the payment processing process, and / or to connect or connect to an external network to receive predetermined payment information. It is desirable to further realize the function, and / or to connect or connect with an external network to receive predetermined payment information; And further transmitting the payment information to a server on the network at a predetermined payment processing.

According to the present invention, a home server having a communication means for transmitting and receiving predetermined information or data by connecting or connecting to an external network, the home server comprising: a memory unit for storing predetermined wireless terminal information; And a communication unit configured to transmit wireless terminal information stored in the memory unit to a server on a network through the communication unit when a predetermined payment process is executed in at least one home appliance to control and / or manage. It is done.

According to a preferred embodiment of the present invention, the communication unit provided in the home server preferably connects or connects with an external network to receive predetermined payment information corresponding to a payment process executed in the home appliance, and / Alternatively, it is preferable to connect or connect with an external network to receive predetermined payment information corresponding to the payment processing executed in the home appliance, and to transmit the payment information to a server on the network during the predetermined payment processing.

According to a preferred embodiment of the present invention, the home server preferably has a predetermined device unique number (telephone number or tElephone NUmber Mapping (ENUM) number) and / or IP address for communication processing. Short-range wireless communication means for storing the IP address of the server in advance or receiving the IP address of the server through a predetermined communication channel in the payment process, and / or performing short-range wireless communication with a predetermined wireless terminal. It is preferable to further provide.

According to the present invention, the recording medium provided in the home server is characterized in that the home server is provided with a communication means for transmitting and receiving predetermined information or data by connecting or connecting to an external network, the predetermined wireless terminal information Storing on memory; Extracting the wireless terminal information from the memory when a predetermined payment process is performed in at least one home appliance to control and / or manage; And a function of connecting or connecting the extracted wireless terminal information to an external network and transmitting the predetermined information or data to a server on the network through communication means for transmitting and receiving predetermined information or data.

According to a preferred embodiment of the present invention, it is preferable that the program further realizes a function of previously storing the IP address of the server or receiving the IP address of the server through a predetermined communication channel in the payment process. And / or to further realize a function of receiving predetermined payment information by connecting or connecting with an external network, and / or by connecting or connecting with an external network to receive predetermined payment information; And further transmitting the payment information to a server on the network at a predetermined payment processing.

According to the present invention, the wireless payment processing system includes a wireless terminal on which an IC chip equipped with a predetermined payment means (or payment means information) is mounted or detached; A home appliance having a memory for storing the wireless terminal information and transmitting wireless terminal information stored in the memory to a server through a predetermined communication means during a payment process; And a server for transmitting the predetermined payment information for payment processing to the wireless terminal by using the wireless terminal information after receiving the wireless terminal information from the home appliance.

According to a preferred embodiment of the present invention, the wireless terminal includes a personal communication system (PCS), a global system for mobile communications (GSM), and a PDC (with or without an IC chip provided with a predetermined payment means). Personal Digital Cellular (PHS), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smart Phone (Smart Phone) preferably comprises at least one, and / or based on the payment information provided from the server, It is preferable to perform payment processing using predetermined payment means (or payment means information) provided in the IC chip, and / or read predetermined payment means information for performing payment processing from the IC chip, The predetermined payment request message is generated using the read payment means information and the payment information provided from the server, and the settlement is performed through a mobile communication network. It is preferable to transmit to the payment server or the financial server corresponding to the means information, and / or credit card, debit card, check card, prepaid card, electronic wallet It is preferable that an IC chip provided with a payment means (or payment means information) including at least one of an electronic wallet, an electronic bankbook, and a financial common network be mounted or detached.

According to a preferred embodiment of the present invention, it is preferable that the wireless terminal information includes at least one of predetermined wireless terminal number information and / or tElephone NUmber Mapping (ENUM) number information and / or IP address information.

According to a preferred embodiment of the present invention, the home appliance comprises a memory unit for storing predetermined wireless terminal information; And a communication unit for transmitting the wireless terminal information stored in the memory unit to a server on a network through a predetermined communication unit during a predetermined settlement process, and / or a predetermined payment received through the communication unit. A screen output unit for outputting related information; And

In the predetermined payment processing, a user operation unit for performing a predetermined user operation required for the payment processing; preferably further comprises, and / or a communication unit for connecting to or connecting to an external network to receive the predetermined payment information. And / or further comprising a communication unit which connects or connects with an external network to receive predetermined payment information, and transmits the payment information to a server on the network during a predetermined payment processing. desirable.

According to a preferred embodiment of the present invention, the home appliance has a function of storing predetermined wireless terminal information on a memory, a function of extracting the wireless terminal information from the memory during a predetermined payment process, and the extracted wireless terminal. It is preferable to have a recording medium characterized by recording a program for realizing a function of transmitting or connecting information to a server on a network through a communication means for transmitting or receiving predetermined information or data by connecting or connecting with an external network.

According to a preferred embodiment of the present invention, the server includes a receiving unit for receiving predetermined wireless terminal information from the home appliance; And a message unit for transmitting predetermined payment information for payment processing to the wireless terminal using the wireless terminal information, and / or upon receiving predetermined payment means information from the wireless terminal. And a payment processor configured to process a payment executed in the home appliance using the payment means information and the payment information, and / or upon receiving predetermined payment means information from the wireless terminal. Generate a predetermined payment request message corresponding to the payment means information received from the wireless terminal by using the payment means information and the payment information, and transmits the payment request message to the payment server or financial server corresponding to the payment means information. And a predetermined corresponding to the full payment request message from the payment server or the financial server. It is preferable to further comprise a payment processing unit for receiving a payment approval full text, and / or to transmit a predetermined broadcast content to the sales server and / or the home appliance to sell a predetermined product through a network connected to the home appliance On the network for the home payment and / or the home payment server and / or the mobile communication server to which the wireless terminal corresponding to the wireless terminal information is subscribed and a broadcasting server and / or a sales server for selling a predetermined product through broadcast contents in cooperation with the broadcasting company It is preferable to include at least one server provided in.

According to a preferred embodiment of the present invention, it is preferable that the payment information comprises at least one or more payment amount information, purchase product information and / or seller information and / or merchant information, and / or the wireless terminal IC chip. If the payment means provided in the payment means associated with the financial account, it is preferable to include the financial account information of the seller or merchant required for payment processing using the payment means associated with the financial account, and / or the Preferably, the wireless terminal further includes a predetermined callback UEL for connecting to the server for payment processing.

According to the present invention, the wireless payment processing system includes a wireless terminal on which an IC chip equipped with a predetermined payment means (or payment means information) is mounted or detached; And a memory for storing the wireless terminal information, and during payment processing, receives predetermined payment information from a server 1 on a network through a predetermined communication means, and then stores the wireless terminal information and the payment information stored in the memory. Home appliances for transmitting to the server (2) on the network through the communication means; And a server (2) receiving the wireless terminal information and payment information from the home appliance, and transmitting the payment information to the wireless terminal using the wireless terminal information.

According to a preferred embodiment of the present invention, the wireless terminal performs a payment process using a predetermined payment means (or payment means information) provided in the IC chip based on the payment information provided from the server 2. And / or read predetermined payment means information for performing payment processing from the IC chip, and predetermined payment by using the read payment means information and payment information provided from the server 2. It is preferable to generate a request message and transmit it to a payment server or a financial server corresponding to the payment means information through a mobile communication network.

According to a preferred embodiment of the present invention, the home appliance comprises a memory unit for storing predetermined wireless terminal information; And a communication unit for transmitting the wireless terminal information stored in the memory unit to the server 2 on the network through a predetermined communication unit during a predetermined payment process, and / or a predetermined unit received through the communication unit. A screen output unit for outputting payment related information of the; And a user operation unit that performs a predetermined user operation required for a payment processing during a predetermined payment process, and / or makes a predetermined payment from the server 1 by connecting or connecting to an external network. Preferably, the communication unit further comprises a communication unit for receiving information, and / or connects or connects with an external network to receive predetermined payment information from the server 1, and at the time of predetermined payment processing, the server 2 on the network. It is preferable to further comprise a communication unit for transmitting the payment information).

According to a preferred embodiment of the present invention, the home appliance has a function of storing predetermined wireless terminal information on a memory, a function of extracting the wireless terminal information from the memory during a predetermined payment process, and the extracted wireless terminal. It is preferable to have a recording medium characterized by recording a program for realizing a function of transmitting or connecting information to an external network to a server 2 on a network through communication means for transmitting and receiving predetermined information or data. .

According to a preferred embodiment of the present invention, the server (2) comprises a receiving unit for receiving predetermined wireless terminal information and payment information from the home appliance; And a message unit for transmitting the payment information to the wireless terminal using the wireless terminal information, and / or upon receiving predetermined payment means information from the wireless terminal. And a payment processing unit for processing a payment executed in the home appliance by using the payment information, and / or upon receiving predetermined payment means information from the wireless terminal, the payment means information and the payment information. Generate a predetermined payment request message corresponding to the payment means information received from the wireless terminal by using the payment information, and transmits the payment request message to the payment server or financial server corresponding to the payment means information, the payment server Alternatively, a predetermined payment approval text corresponding to the payment request text message can be obtained from a financial server. Preferably formed by further comprising a billing processing part for.

According to a preferred embodiment of the present invention, the server (1) to the server (2) transmits a predetermined broadcast content to the sales server and / or the home appliance to sell a predetermined product through a network connected to the home appliance On the network for the home payment and / or the home payment server and / or the mobile communication server to which the wireless terminal corresponding to the wireless terminal information is subscribed and a broadcasting server and / or a sales server for selling a predetermined product through broadcast contents in cooperation with the broadcasting company. It is preferable to include at least one server provided in.

According to the present invention, the wireless payment processing system includes a wireless terminal on which an IC chip equipped with a predetermined payment means (or payment means information) is mounted or detached; A memory for storing the wireless terminal information, and when predetermined payment processing is executed in a control and / or managed home appliance, wireless terminal information stored in the memory unit to a server on a network through a predetermined communication means. A home server for transmitting; And a server on the network that receives the wireless terminal information from the home server and transmits predetermined payment information for payment processing to the wireless terminal using the wireless terminal information.

According to a preferred embodiment of the present invention, the home server comprises a memory unit for storing predetermined wireless terminal information; And a communication unit for transmitting the wireless terminal information stored in the memory unit to a server on a network through a predetermined communication unit when a predetermined payment process is executed in the control and / or management home appliance. The communication unit receives predetermined payment information by connecting or connecting with an external network, and / or receives predetermined payment information by connecting or connecting with an external network, and predetermined payment processing at a home appliance to be controlled and / or managed. When is executed, it is preferable to transmit the payment information to a server on the network.

According to a preferred embodiment of the present invention, the home server stores the predetermined wireless terminal information on the memory, when the predetermined payment processing is executed in at least one or more home appliances that control, and / or manage, the memory. A program for realizing a function of extracting the wireless terminal information from the terminal, and transmitting the extracted wireless terminal information to a server on the network through a communication means for connecting or connecting with an external network to transmit and receive predetermined information or data. It is preferable to have a recording medium characterized by recording.

According to a preferred embodiment of the present invention, the server on the network includes a receiving unit for receiving predetermined wireless terminal information from the home server; And a message unit for transmitting predetermined payment information for payment processing to the wireless terminal using the wireless terminal information, and / or upon receiving predetermined payment means information from the wireless terminal. And a payment processor configured to process a payment executed in the home appliance using the payment means information and the payment information, and / or upon receiving predetermined payment means information from the wireless terminal. Generate a predetermined payment request message corresponding to the payment means information received from the wireless terminal by using the payment means information and the payment information, and transmits the payment request message to the payment server or financial server corresponding to the payment means information. And a predetermined corresponding to the full payment request message from the payment server or the financial server. It is preferable to further comprise a payment processing unit for receiving a payment approval full text, sales server for selling a predetermined product through a network connected to the home appliance and / or broadcaster server for transmitting a predetermined broadcast content to the home appliance and And / or a sales server for selling a predetermined product through broadcast content in cooperation with the broadcaster and / or a mobile carrier server to which a wireless terminal corresponding to the wireless terminal information is subscribed and / or provided on a network for home payment. It is preferable to include at least one server.

According to the present invention, a wireless payment processing system includes a wireless terminal in which an IC chip equipped with a predetermined payment means (or payment means information) is mounted or detached; A memory for storing the wireless terminal information, and when predetermined payment processing is executed in a controlled and / or managed home appliance, predetermined payment information is received from a server 1 on a network through a predetermined communication means. Then, the home server for transmitting the wireless terminal information and the payment information stored in the memory to the server (2) on the network through the communication means; And a server (2) on the network that receives the wireless terminal information and the payment information from the home appliance, and then transmits the payment information to the wireless terminal by using the wireless terminal information. .

According to a preferred embodiment of the present invention, the wireless terminal uses the predetermined payment means (or payment means information) provided in the IC chip based on the payment information provided from the server 2 on the network to process the payment. And / or read predetermined payment means information for performing payment processing from the IC chip, and using the read payment means information and payment information provided from the server 2 on the network. It is preferable to generate a predetermined payment request message, and transmit it to a payment server or a financial server corresponding to the payment means information through a mobile communication network.

According to a preferred embodiment of the present invention, the home server comprises a memory unit for storing predetermined wireless terminal information; And a communication unit for transmitting the wireless terminal information stored in the memory unit to a server 2 on a network through a predetermined communication means when a predetermined payment process is executed in the controlled and / or managed home appliance. And / or a communication unit for receiving predetermined payment information from the server 1 on the network by connecting or connecting with an external network, and / or by connecting or connecting with an external network. It is preferable that the communication unit receives predetermined payment information from the server 1 and transmits the payment information to the server 2 on the network during the predetermined payment processing, and / or the server on the network. (1) and / or pre-store the IP address of the server (2) on the network or in the payment process It is preferable to receive the IP address of the server 1 on the network and / or the server 2 on the network through a predetermined communication channel, and / or to perform a short range wireless communication with a predetermined wireless terminal. It is preferable to further provide.

According to a preferred embodiment of the present invention, the home server stores the predetermined wireless terminal information in a memory, and when the predetermined payment processing is executed in a control and / or managed home appliance, the wireless is stored from the memory. A program for realizing a function of extracting terminal information and a function of transmitting the extracted wireless terminal information to a server 2 on a network through a communication means for connecting or connecting with an external network and transmitting and receiving predetermined information or data. It is preferable to have a recording medium characterized by recording.

According to a preferred embodiment of the present invention, the server (2) on the network includes a receiving unit for receiving predetermined wireless terminal information and payment information from the home server; And a message unit for transmitting the payment information to the wireless terminal using the wireless terminal information, and / or upon receiving predetermined payment means information from the wireless terminal. And a payment processing unit for processing a payment executed in the home appliance by using the payment information, and / or upon receiving predetermined payment means information from the wireless terminal, the payment means information and the payment means. Generate a predetermined payment request message corresponding to the payment means information received from the wireless terminal by using the payment information, and transmits the payment request message to the payment server or financial server corresponding to the payment means information, the payment server Alternatively, a predetermined payment approval text corresponding to the payment request text message can be obtained from a financial server. Preferably formed by further comprising a billing processing part for.

According to a preferred embodiment of the present invention, the server 1 on the network and / or the server 2 on the network is a predetermined sales server and / or the home appliance for selling a predetermined product through a network connected with the home appliance. A broadcaster server for transmitting broadcast content of a broadcaster and / or a sales server for selling a predetermined product through broadcast content in cooperation with the broadcaster and / or a mobile carrier server to which the wireless terminal corresponding to the wireless terminal information is subscribed. Or it is preferably made to include at least one server provided on the network for home payment.

According to the present invention, there is provided a home appliance having a predetermined communication means and a memory unit, a wireless terminal equipped with or detached from an integrated circuit (IC) chip having a predetermined payment means, and a predetermined communication channel with the home appliance. A wireless payment processing method comprising a server connected and transmitting and receiving predetermined information to the wireless terminal, comprising: a first step of storing predetermined wireless terminal information in a memory unit in the home appliance; Extracting the wireless terminal information from a memory unit in the home appliance when a predetermined payment process is executed in the home appliance; Transmitting, by the home appliance, the extracted wireless terminal information to the server through a predetermined communication means; And transmitting the predetermined payment information corresponding to the payment processing from the server to the wireless terminal corresponding to the wireless terminal information.

According to a preferred embodiment of the present invention, the wireless payment processing method uses the predetermined payment means (or payment means information) provided in the IC chip based on the payment information provided from the server in the wireless terminal. And a fifth step of performing the processing, and / or read out predetermined payment means information for performing payment processing from the IC chip in the wireless terminal, and read the read payment means information and the The method may further include a fifth step of generating a predetermined payment request message using the payment information provided from the server and transmitting the predetermined payment request message to a payment server or a financial server corresponding to the payment means information through a mobile communication network.

According to a preferred embodiment of the present invention, the wireless payment processing method, when the server receives predetermined payment means information from the wireless terminal, the payment is performed in the home appliance using the payment means information and the payment information. And a sixth step of processing, and / or when the server receives predetermined payment means information from the wireless terminal, received from the wireless terminal using the payment means information and the payment information. A sixth step of generating a predetermined payment request message corresponding to the payment means information; A seventh step of transmitting the full text of a payment request to a payment server or a financial server corresponding to the payment means information; And an eighth step of receiving a predetermined payment approval text corresponding to the payment request text message from the payment server or the financial server.

According to a preferred embodiment of the present invention, the wireless payment processing method further comprises the step of receiving a predetermined payment information by connecting or connecting to an external network in the home appliance, and / or in the home appliance Receiving predetermined payment information by connecting to or connecting to an external network; And transmitting the payment information from the home appliance to a server on the network.

According to the present invention, a predetermined payment means is transmitted to a home appliance equipped with a predetermined communication means and a memory unit, an integrated circuit (IC) chip equipped with a predetermined payment means, or a detachable payment information to the home appliance. In the wireless payment processing method characterized in that it comprises a server (1) on the network and a server (2) on the network is connected to the home appliance and a predetermined communication channel and transmitting and receiving predetermined information to the wireless terminal, A first step of storing predetermined wireless terminal information in a memory unit in the home appliance; A second step of receiving predetermined payment information from a server (1) on the network when predetermined payment processing is executed in the home appliance; Extracting, by the home appliance, the wireless terminal information from the memory unit in the home appliance; A fourth step of transmitting, by the home appliance, the extracted wireless terminal information and the payment information to a server (2) on the network through a predetermined communication means; And transmitting the payment information from the server 2 on the network to a wireless terminal corresponding to the wireless terminal information.

According to a preferred embodiment of the present invention, the wireless payment processing method is based on the payment information provided from the server 2 on the network in a wireless terminal, predetermined payment means (or payment means information) provided in the IC chip. And a sixth step of performing a payment process by using; and / or reading the predetermined payment means information for performing the payment process from the IC chip in the wireless terminal, and reading the read payment. A sixth step of generating a predetermined payment request message using the means information and the payment information provided from the server 2 on the network, and transmitting the predetermined payment request message to a payment server or a financial server corresponding to the payment means information through a mobile communication network; It is preferably further included, and / or predetermined from the wireless terminal in the server (2) on the network Preferably, when receiving payment means information, a seventh step of processing the payment executed in the home appliance using the payment means information and the payment information, and / or the server (2) on the network A seventh step of generating a predetermined payment request message corresponding to the payment means information received from the wireless terminal by using the payment means information and the payment information when receiving predetermined payment means information from the wireless terminal; An eighth step of transmitting the full text of a payment request to a payment server or a financial server corresponding to the payment means information; And a ninth step of receiving a predetermined payment approval text corresponding to the payment request text message from the payment server or the financial server.

According to the present invention, a home server equipped with a predetermined communication means and a memory unit and an integrated circuit (IC) chip having a predetermined payment means are mounted or detached to control and / or manage at least one home appliance. In the wireless payment processing method characterized in that it comprises a wireless terminal, and a server on the network is connected to the home server and a predetermined communication channel and transmits and receives predetermined information to the wireless terminal, A first step of storing the wireless terminal information of the memory unit; Extracting, by the home server, the wireless terminal information from the memory unit when a predetermined payment process is performed in the control and / or management home appliance; Transmitting, by the home server, the extracted wireless terminal information to a server on the network through a predetermined communication means; And transmitting a predetermined payment information corresponding to the payment processing from a server on the network to a wireless terminal corresponding to the wireless terminal information.

According to a preferred embodiment of the present invention, the wireless payment processing method uses a predetermined payment means (or payment means information) provided in the IC chip based on the payment information provided from the server on the network in the wireless terminal. And a fifth step of performing a payment process, and / or reading the predetermined payment means information for performing payment processing from the IC chip in the wireless terminal, and reading the read payment means information. And a fifth step of generating a predetermined payment request message using payment information provided from a server on the network and transmitting the predetermined payment request message to a payment server or a financial server corresponding to the payment means information through a mobile communication network. Preferably, and / or from the wireless terminal in a server on the network And receiving a payment means information, the sixth step of processing the payment executed in the home appliance using the payment means information and the payment information, and / or the wireless on a server on the network. A sixth step of generating predetermined payment request text corresponding to payment means information received from the wireless terminal using the payment means information and the payment information when receiving predetermined payment means information from the terminal; A seventh step of transmitting the full text of a payment request to a payment server or a financial server corresponding to the payment means information; And an eighth step of receiving a predetermined payment approval text corresponding to the payment request text message from the payment server or the financial server.

According to a preferred embodiment of the present invention, the wireless payment processing method further comprises the step of receiving a predetermined payment information by connecting or connecting to an external network in the home server, and / or the home server Receiving predetermined payment information by connecting to or connecting to an external network; And transmitting the payment information from the home server to a server on the network.

According to the present invention, a home server equipped with a predetermined communication means and a memory unit and an integrated circuit (IC) chip having a predetermined payment means are mounted or detached to control and / or manage at least one home appliance. The server 1 on the network for transmitting predetermined payment information to the wireless terminal and the home server, and the server 2 on the network for transmitting and receiving the predetermined information to the wireless terminal are connected to the home server. A wireless payment processing method comprising: a first step of storing predetermined wireless terminal information in a memory unit in a home server; A second step of receiving predetermined payment information from the server (1) on the network in the home server when the predetermined payment processing is executed in the control and / or management target home appliance; Extracting the wireless terminal information from the memory unit in the home server; A fourth step of transmitting the extracted wireless terminal information and the payment information from the home server to the server 2 on the network through a predetermined communication means; And transmitting the payment information from the server 2 on the network to a wireless terminal corresponding to the wireless terminal information.

According to a preferred embodiment of the present invention, the wireless payment processing method is based on the payment information provided from the server 2 on the network in the wireless terminal, predetermined payment means (or payment means information) provided in the IC chip. And a sixth step of performing a payment process by using), and / or reads predetermined payment means information for performing a payment process from the IC chip in the wireless terminal, A sixth step of generating a predetermined payment request message using payment means information and payment information provided from the server 2 on the network, and transmitting the predetermined payment request message to a payment server or a financial server corresponding to the payment means information through a mobile communication network; It further preferably comprises, and / or from the wireless terminal in the server (2) on the network And receiving a definition payment means information, the seventh step of processing the payment executed in the home appliance using the payment means information and the payment information, and / or a server on the network ( In step 2), upon receiving predetermined payment means information from the wireless terminal, a seventh step of generating a predetermined payment request message corresponding to the payment means information received from the wireless terminal using the payment means information and the payment information. ; An eighth step of transmitting the full text of a payment request to a payment server or a financial server corresponding to the payment means information; And a ninth step of receiving a predetermined payment approval text corresponding to the payment request text message from the payment server or the financial server.

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 described below is described as being provided in the server to the storage medium in order to efficiently describe the technical components constituting the present invention, but the general knowledge in the technical field to which the present invention belongs Those of ordinary skill in the art will readily understand that the storage medium may be provided on a network accessible from the server.

1 is a diagram illustrating a home payment system according to an exemplary embodiment of the present invention.

In more detail, FIG. 1 illustrates a wireless terminal 100 in which an IC chip having a predetermined payment means is mounted or detached, and a memory unit for storing predetermined communication means and the wireless terminal information 205 on a home network. 505 is provided, and when the predetermined payment processing is performed in the home appliance 200 receives the wireless terminal information 205 from the home appliance 200 to receive a predetermined The home payment system including a server 300 for transmitting the payment information 320 to the wireless terminal 100.

The wireless terminal 100 may include a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), a personal handyphone system (PHS), a personal digital assistant (PDA), and a smart phone. At least one portable communication device comprising a), characterized in that comprises a predetermined wireless terminal number (for example, a wireless telephone number or ENUM (tElephone for connecting to a mobile communication network) for a predetermined data communication using a mobile communication network NUmber Mapping)) and / or an IP address (for example, an IP address based on IPv6).

According to the present invention, the wireless terminal 100 includes a credit card, a debit card, a check card, a prepaid card, an electronic wallet, and an electronic bankbook. And an IC chip having a payment means including at least one of an electronic bankbook, a financial common network, or the like, mounted or detached therefrom, and reading predetermined payment means information corresponding to the payment means from the IC chip. It is characterized in that a predetermined function for payment processing is provided. That is, the present invention is not limited to a payment processing method using a predetermined payment means provided on an IC chip mounted or detached from the wireless terminal 100, and all existing payment processing methods as well as policies determined in the future. Include all payment processing.

The home appliance 200 is characterized in that it comprises a digital television that receives predetermined broadcast content from at least one or more broadcasters and is capable of transmitting and receiving data in both directions, and / or a television and / or a refrigerator connected to a home network and / or Characterized in that it comprises at least one or more white home appliances for a home network including a washing machine and / or a water purifier (1300). That is, in the present invention, the home appliance 200 includes a predetermined communication means and a memory unit 505, and the home appliance and / or home corresponding to all kinds of home appliances and / or home clients on the home network. And home server 300 on the network.

According to the present invention, the home appliance 200 is directly externally connected to a predetermined communication means connected to an external network through a predetermined gateway 210 (for example, a modem connected to a high-speed Internet network flowing into a home). Communication means connected to a network) and / or communication means connected to a home network through a predetermined home server 300 (or gateway 210) (eg, a home server 300 connected to a high-speed Internet network flowing into a home) (Or a communication means connected to the gateway 210), characterized in that it comprises at least one, for this purpose, the home appliance 200 has a predetermined device number (for example, telephone number or ENUM (for communication) tElephone NUmber Mapping)) and / or an IP address (eg, an IPv6 based IP address).

According to the embodiment of the present invention, the home appliance 200 has a short-range wireless communication means (for example, infrared ray communication, RF (Radio Frequency) communication for short-range connection with a predetermined wireless communication device provided in the home) , Bluetooth (BlueTooth), Wireless LAN (Wireless LAN), Wi-Fi (Wi-Fi, etc.) is preferably further included, and if the wireless terminal 100 is provided with a predetermined short-range wireless communication means It is possible to transmit and receive predetermined information or data from the home appliance 200 to the wireless terminal 100 through the short range wireless communication means.

Referring to FIG. 1, in the memory unit 505 included in the home appliance 200, wireless terminal information 205 in which an IC chip having a predetermined payment means is mounted or detached is stored. If a predetermined payment process is executed in the 200, it is extracted from the memory unit 505 and provided to the server 300 requesting the payment process through the home appliance 200 on a network. The home appliance 200 is connected to an external network through a predetermined gateway 210 (eg, a modem or a home server 300 connected to a high-speed Internet network flowing into a home), and the server (via the external network). 300 and a predetermined communication channel are connected.

According to a preferred embodiment of the present invention, the server 300 of the server 300 to transmit the wireless terminal information 205 to the server 300 in the memory unit 505 provided in the home appliance 200 It is preferable that the IP address is stored, or receive the server 300 IP address of the server 300 in real time through a predetermined communication channel during a predetermined payment process in the home appliance 200. It is preferable.

When the predetermined payment processing is executed in the home appliance 200, the server 300 may store wireless terminal information 205 on which the IC chip having a predetermined payment means is mounted or detached from the home appliance 200. Receives predetermined payment information 320 for processing the payment executed in the home appliance 200 from a predetermined storage medium, and the predetermined payment information 320 message including the payment information 320. Generates and transmits the data to the wireless terminal 100 corresponding to the wireless terminal information 205. When predetermined payment means information included in the IC chip is read and received from the wireless terminal 100, Characterized in that the payment processing performed in the home appliance 200 using the payment means information.

According to a preferred embodiment of the present invention, the server 300 is a sales server 300 for selling a predetermined product to the user of the wireless terminal 100 through a network to which the home appliance 200 is connected and / or the home appliance The broadcaster server 300 for transmitting predetermined broadcast content to the device 200 and / or the sales server 300 for selling a predetermined product through the broadcast content in cooperation with the broadcaster and / or the wireless terminal information 205. It is preferable that the mobile terminal 100 corresponding to the wireless carrier 100 is subscribed to and / or at least one server 300 provided on the network for the home payment.

Referring to Figure 1, the server 300

A storage medium storing predetermined payment information 320 required for payment processing executed in the home appliance 200;

A receiving unit 305 for receiving predetermined wireless terminal information 205 from the home appliance 200 when a predetermined payment process is executed in the home appliance 200;

An extraction unit 315 for extracting the payment information 320 from the storage medium; And

Generating a predetermined payment information 320 message including the extracted payment information 320 and transmitting the payment information 320 to the wireless terminal 100 through the wireless terminal information 205 received from the home appliance; It characterized in that it comprises a; message unit 310 for transmitting a message.

In addition, when predetermined payment means information is received from the wireless terminal 100, the server 300 uses the payment means information and the payment information 320 to make a payment executed in the home appliance 200. Payment processing unit 325 to process; characterized in that further comprises.

The storage medium is characterized in that for storing the predetermined payment information 320 for processing the payment executed in the home appliance 200, the payment information 320 preferably comprises a payment amount It is preferable that the product further comprises a purchase product information and / or seller information.

According to a preferred embodiment of the present invention, the seller information included in the payment information 320, if the payment means received from the wireless terminal 100 corresponds to the credit card payment means, payment using the credit card payment means It is preferable to include the merchant information required for processing (e.g., the merchant number of the merchant required for credit card payment processing), and / or the payment means received from the wireless short term is a payment means associated with a financial account ( For example, in the case of a debit card, a check card, a prepaid card, an electronic wallet, an electronic bank account, a financial common network, etc., financial account information (eg, IC chip) required for payment processing using a payment method associated with the financial account. It is preferable to include a financial account number that is transferred from the payment means provided in the).

The receiving unit 305 receives the wireless terminal information 205 for the wireless terminal 100 in which the IC chip equipped with the predetermined payment means required for the payment processing executed in the home appliance 200 is mounted or detached. The wireless terminal information 205 transmits predetermined payment information 320 from the server 300 to the wireless terminal 100 through the mobile communication network, or from the wireless terminal 100. It is preferable to include the network identification information for connecting the communication channel required to receive the predetermined payment information.

According to a preferred embodiment of the present invention, if the mobile communication network to which the wireless terminal 100 is connected is a circuit switched network based on code division multiple access (CDMA), the wireless terminal information 205 is stored in the wireless terminal 100. It is preferable to include a predetermined wireless telephone number or ENUM number assigned to, and / or if the mobile communication network to which the wireless terminal 100 is connected is an ALL-IP based packet switching network, the wireless terminal information 205 ) Preferably comprises an IPv6-based IP address assigned to the wireless terminal 100.

The extractor 315 extracts predetermined payment information 320 required for payment processing executed in the home appliance 200 from the storage medium, and includes at least one payment information (not shown) in the storage medium ( When 320 is stored, it is preferable to selectively extract at least one or more payment information 320 required for the payment processing executed in the home appliance 200.

According to a preferred embodiment of the present invention, at least one or more payment information 320 is stored in the storage medium, and the extractor 315 is configured to process the payment executed in the home appliance 200 from the storage medium. When extracting one or more payment information 320, the receiver 305 further includes the payment information 320 identification information in the process of receiving the wireless terminal information 205 from the home appliance 200. It is desirable to.

According to a preferred embodiment of the present invention, when at least two or more payment information 320 is extracted from the storage medium, the extraction unit 315 sums the payment amount included in the payment information 320 to add up the total payment amount. It is preferable to further comprise a function for calculating the.

The message unit 310 receives the predetermined wireless terminal information 205 from the home appliance 200 by the receiving unit 305, and the home appliance 200 from the storage medium by the extracting unit 315. When predetermined payment information 320 for processing the payment executed in the step is extracted, the predetermined payment information 320 message including the payment information 320 is generated, and the payment information 320 message is generated. Characterized in that the transmission to the wireless terminal 100 corresponding to the wireless terminal information (205).

According to a preferred embodiment of the present invention, when the mobile communication network to which the wireless terminal 100 is connected includes a message interworking structure based on a callback URL, the message unit 310 is the payment information 320. In the case of generating a message, it is preferable to generate a predetermined callback UEL for connecting to the server 300 in the wireless terminal 100 in the generated payment information 320 message.

The payment processor 325 receives the payment means information and the payment information 320 when the predetermined payment means information is received from the wireless terminal 100 that has received the message transmitted from the message unit 310 (eg, Corresponding to the payment means information received from the wireless terminal 100 using the payment information 320 extracted by the extraction unit 315 and / or the payment information 320 transmitted to the wireless terminal 100) Generate a predetermined payment request message, transmit the payment request message to the payment server 400 or the financial server 400 corresponding to the payment means information, the payment server 400 or the financial server 400 from the And receiving a predetermined payment approval text corresponding to the payment request text.

According to a preferred embodiment of the present invention, when the payment means included in the payment means information received from the wireless terminal 100 corresponds to the credit card payment means, the payment processing unit 325 is in the payment information 320 It is preferable to generate a predetermined payment request message including the payment amount and the merchant information included and the credit card information including the payment means information, and transmits it to the payment server 400 corresponding to the credit card issuer. / Or the payment means included in the payment means information corresponding to the payment means associated with the financial account, the payment processing unit 325 is included in the payment information 320 from the financial account included in the payment means information The payment amount is transferred to a financial account corresponding to the financial account information included in the payment information 320, or accumulated in the IC chip mounted or detached in the wireless terminal 100. The payment request message for transferring the value information (for example, information corresponding to cash) to the financial account corresponding to the financial account information included in the payment information 320 by the amount of payment included in the payment information 320. It is preferable to generate and transmit to the financial server 400 corresponding to the financial account information.

According to a preferred embodiment of the present invention, the payment processing unit 325 further includes a function of transmitting a payment approval result included in the received payment approval message to the home appliance 200 or the wireless terminal 100. It is preferable to make.

2 is a diagram illustrating a home payment system according to another exemplary embodiment of the present invention.

In more detail, FIG. 2 illustrates a payment processing process using a payment means provided in an IC chip mounted or detached from the wireless terminal 100 in the home payment system as shown in FIG. 1. The case is made directly between the payment server 400 or the financial server 400.

Referring to Figure 2, the server 300

A storage medium storing predetermined payment information 320 including predetermined payment amount and seller information;

A receiving unit 305 for receiving predetermined wireless terminal information 205 from the home appliance 200 when a predetermined payment process is executed in the home appliance 200;

An extraction unit 315 for extracting the payment information 320 from the storage medium; And

Generating a predetermined payment information 320 message including the extracted payment information 320 and transmitting the payment information 320 to the wireless terminal 100 through the wireless terminal information 205 received from the home appliance; It characterized in that it comprises a; message unit 310 for transmitting a message.

According to the embodiment of FIG. 2, the payment information 320 message transmitted from the server 300 to the wireless terminal 100 may include a payment amount and a seller information, and the wireless terminal 100 ) Reads predetermined payment means information for performing payment processing from the IC chip when the payment information 320 message is received from the server 300, and the payment amount included in the payment information 320. And generating a predetermined payment request message including the seller information and the payment means information and transmitting the predetermined payment request message to the payment server 400 or the financial server 400 corresponding to the payment means information through a mobile communication network.

According to a preferred embodiment of the present invention, the payment server 400 or the financial server 400 performs a predetermined payment processing corresponding to the payment request text message, and generates a predetermined payment approval text message for the wireless terminal. It is preferable to transmit to (100), and / or read the seller information contained in the payment request full text to transmit the payment approval full text (or payment approval result corresponding to the payment approval full text) to the server 300 It is preferable to further include the thing.

According to a preferred embodiment of the present invention, the wireless terminal 100 preferably further comprises a function for transmitting a payment approval result included in the received payment approval full text to the server 300.

3 is a diagram illustrating a home payment system according to another exemplary embodiment of the present invention.

3 shows a wireless terminal 100 in which an IC chip having a predetermined payment means is mounted or detached, and a memory unit for storing predetermined communication means and the wireless terminal information 205 on a home network. The home appliance 200 equipped with the 505 and the server 300 on the network providing the predetermined payment information 320 to the home appliance 200 when a predetermined payment process is executed in the home appliance 200. And a payment agent server that receives the payment information 320 and the wireless terminal information 205 from the home appliance 200 and transmits the payment information 320 for payment processing to the wireless terminal 100. 301), and a home payment system.

In FIG. 3, the wireless terminal 100 performs the same function and role as described in FIG. 1, and the home appliance 200 performs the same role as described in FIG. When predetermined payment processing is performed in the home appliance 200, the predetermined payment information 320 is received from the server 300 on the network, and the predetermined wireless terminal information 205 is received from the memory unit 505. ), And further comprises a function of transmitting the received payment information 320 and the extracted wireless terminal information 205 to the payment agency server 301 on the network.

According to another exemplary embodiment of the present invention, the home appliance 200 may be provided with a predetermined short range wireless communication means, and the predetermined settlement process is executed in the home appliance 200 to perform a predetermined payment process from the server 300 on the network. When predetermined payment information 320 is received, it is possible to provide the payment information 320 to the wireless terminal 100 equipped with the short range wireless communication unit of the specification through the short range wireless communication means (not shown). ).

Referring to Figure 3, the server 300

A storage medium storing predetermined payment information 320 required for payment processing executed in the home appliance 200;

An extraction unit 315 for extracting the payment information 320 from the storage medium; And

And a provision unit 330 for providing the extracted payment information 320 to the home appliance 200.

According to a preferred embodiment of the present invention, when a predetermined payment process is executed in the home appliance 200, the home appliance 200 transmits predetermined payment information 320 required for the payment process to the server 300. Request, the server 300 preferably extracts and provides the payment information 320 requested by the home appliance 200 from the storage medium. To this end, the home appliance 200 stores the IP address of the server 300 of the server 300 for requesting predetermined payment information 320 to the server 300, or the home appliance 200 In the process of executing a predetermined payment process in the) it is preferable to receive in real time through a predetermined communication channel.

In addition, the payment agent server 301 is

A receiving unit 305 for receiving predetermined wireless terminal information 205 from the home appliance 200 when a predetermined payment process is executed in the home appliance 200;

Generating a predetermined payment information 320 message including the extracted payment information 320 and transmitting the payment information 320 to the wireless terminal 100 through the wireless terminal information 205 received from the home appliance; Message unit 310 for transmitting a message; And

-When the predetermined payment means information is received from the wireless terminal 100, the payment processing unit 325 for processing the payment executed in the home appliance 200 using the payment means information and the payment information 320. It characterized by comprising;

According to a preferred embodiment of the present invention, the payment agency server 301 is a sales server 300 for selling a predetermined product to the user of the wireless terminal 100 through a network to which the home appliance 200 is connected and / or A broadcaster server 300 for transmitting predetermined broadcast content to the home appliance 200 and / or a sales server 300 for selling a predetermined product through broadcast content in cooperation with the broadcaster and / or the wireless terminal information ( It is preferable that the mobile terminal 100 to which the wireless terminal 100 corresponding to 205 is subscribed, and / or at least one server 300 provided on the network for home payment.

4 is a diagram illustrating a home payment system according to another exemplary embodiment of the present invention.

In more detail, FIG. 4 illustrates a payment processing process using a payment means provided in an IC chip mounted or detached from the wireless terminal 100 in the home payment system as shown in FIG. 3. The case is made directly between the payment server 400 or the financial server 400.

Referring to Figure 4, the payment agent server 301 is

A receiving unit 305 for receiving predetermined wireless terminal information 205 from the home appliance 200 when a predetermined payment process is executed in the home appliance 200; And

Generating a predetermined payment information 320 message including the extracted payment information 320 and transmitting the payment information 320 to the wireless terminal 100 through the wireless terminal information 205 received from the home appliance; It characterized in that it comprises a; message unit 310 for transmitting a message.

According to the embodiment of FIG. 4, the payment information 320 message transmitted from the payment server 301 to the wireless terminal 100 preferably includes a payment amount and seller information. When the payment information 320 message is received from the server 300, the 100 reads predetermined payment means information for performing payment processing from the IC chip and is included in the payment information 320. It generates a predetermined payment request full text including the payment amount and seller information and the payment means information and transmits to the payment server 400 or the financial server 400 corresponding to the payment means information through a mobile communication network to process the payment. It is characterized by.

5 is a diagram illustrating a functional configuration of the home appliance 200 according to the preferred embodiment of the present invention.

In more detail, Figure 5 is for the essential functional configuration that should be provided in each home appliance 200 for the home payment method and system proposed by the present invention, each home appliance 200 provided in the actual home Preferably further comprises at least one or more unique functional configurations not shown in FIG.

Referring to FIG. 3, the home appliance 200 includes a power supply unit 530 for supplying predetermined power to the home appliance 200 and a device unit 510 for performing a specific function assigned to the home appliance 200. And the device unit 510 includes at least one power supply unit 540 for supplying at least one device unit 535 and power supplied from the power supply unit 530 to each device. The home appliance 200 includes a memory unit 505 for storing predetermined wireless terminal information 205 and predetermined payment related information for home payment according to the present invention. A screen output unit 520, a user manipulation unit 525 to perform a predetermined user operation required for payment processing, and the home appliance 200 to connect or connect with an external network to transmit and receive predetermined information or data.Characterized in that via the bride 515 and wireless terminal information 205 stored in the memory unit 505 comprises a control unit 500 for controlling a predetermined payment processing.

The memory unit 505 operates by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the functions and operations unique to the home appliance 200. A general term for a memory device for storing information and / or data input when the data is performed, the read only memory corresponding to the read only memory, the flash memory capable of reading / writing, and EEPROM (Electrically Erasable and Programmable Read Only Memory), etc., and the IP address and the device unit 510 required for the home appliance 200 to access and connect to the external network through a predetermined gateway 210 Stores predetermined device control information required to control the home appliance 200, and is required to process the payment through the home payment method proposed by the present invention The predetermined wireless terminal information 205 is stored.

The screen output unit 520 is a predetermined screen output means (e.g., a liquid crystal panel (LCP) or a liquid crystal display (LCD) or a cathode ray tube (CRT)) mounted or connected to the home appliance 200. Characterized in that it outputs the information of, and when the predetermined payment processing is executed in the home appliance 200, output to the user that the payment processing has been executed in the home appliance 200, or the user to the payment processing It is characterized by outputting information operated by the operation unit 525.

The user manipulation unit 525 is an operation module mounted on the home appliance 200 or remotely connected to perform a specific function provided in the home appliance 200. The user manipulation unit 525 may generate at least one key data or a trigger. It characterized in that it comprises a key button for generating, generating a predetermined key data for executing a predetermined payment processing in the home appliance 200, or executes a predetermined payment processing in the home appliance 200 If so, the predetermined key data required for the payment processing is generated.

The communication unit 515 is a communication means provided in the home appliance 200, and connects the home appliance 200 with an external network through a predetermined gateway 210, and / or a predetermined home server 300. (Or gateway 210), and when the predetermined payment process is executed in the home appliance 200, predetermined payment information 320 from the server 300 on the network. Or the wireless terminal information 205 and / or the received payment information 320 stored in the memory unit 505 to the server 300 on the network.

The control unit 500 includes a processor and an execution memory that include a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware, and a predetermined program for providing a function specific to a wireless terminal from a predetermined memory device. Routine and / or a bus for inputting and outputting program data (BUS) and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that it comprises a predetermined memory device and / or chipset in software A generic term for program routines and / or program data loaded from the memory into the execution memory and processed by the processor to perform a specific function. The device unit may be configured through device control information stored in the memory unit 505. It characterized in that the control (510), the predetermined payment processing is carried out in the home appliance 200 In this case, the predetermined payment information 320 is received from the server 300 on the network through the communication unit 515 and output through the screen output unit 520 or the wireless terminal from the memory unit 505. Extracting the information 205 and controlling the transmission to the server 300 on the network through the communication unit 515.

6 through 7 through 8 through 9 illustrate a home payment system according to an embodiment of the present invention on a home network.

In more detail, FIG. 6 illustrates a case in which a home payment system as shown in FIG. 1 is implemented on a home network including a predetermined home server 300. FIG. 7 shows a home payment system as shown in FIG. This is for the case where the home network is formed on the home network including the home server 300, and FIG. 8 illustrates the home payment system as shown in FIG. 3 on the home network including the predetermined home server 300. FIG. 9 illustrates a case where a home payment system as shown in FIG. 4 is implemented on a home network including a predetermined home server 300.

6 to 7 to 8 to 9, at least one home appliance 200 (eg, the home appliance 200 includes a predetermined communication unit and a memory unit 505) on a home network. Home appliances corresponding to all kinds of home appliances and / or home clients on a home network) and a home server 300 for controlling and / or managing the home clients, The home appliance 200 includes communication means for connecting a predetermined wired / wireless communication channel with the home server 300, and the home server 300 connects a predetermined wired / wireless communication channel with a home client on the home network. Through a communication means and a predetermined gateway 210, a predetermined communication means (for example, a modem connecting with a high-speed Internet network flowing into a home) It is characterized in that comprises a communication means) connected directly to the external network.

According to the present invention, the home server 300 stores wireless terminal information 205 on which an IC chip having a predetermined payment means is mounted or detached, and which is controlled and / or managed by the home server 300. Receiving predetermined payment information 320 for processing the payment executed in the home appliance 200 from the server 300 on the network when the predetermined payment processing is performed in at least one or more home appliances 200, and And / or extract the stored wireless terminal information 205, and / or transfer the extracted wireless terminal information 205 and / or the received payment information 320 to a server 300 (or a payment agent server) on a network. 301)). That is, in the home server 300 illustrated in FIGS. 6 to 7 to 8 to 9, when a predetermined payment process is performed on at least one or more home appliances 200 provided on the home network, the home appliance 200 A payment using the wireless terminal information 205 instead.

According to another exemplary embodiment of the present invention, the home server 300 may be provided with a predetermined short range wireless communication means, and the home appliance 200 on the home network controlled and / or managed by the home server 300. When the predetermined payment processing is executed in the predetermined payment information 320 is received from the server 300 on the network, through the short-range wireless communication means to the wireless terminal 100 equipped with the short-range wireless communication means of the specification It is possible to provide the payment information 320 (not shown).

Hereinafter, the technical spirit of the present invention will be described through preferred embodiments in which various technical methods of the present invention belong to those skilled in the art to which the present invention pertains.

10 is a diagram illustrating a home payment system provided in a digital television capable of bidirectional communication according to an embodiment of the present invention.

The digital broadcasting system is divided into a digital broadcasting transmission system (for example, at least one broadcasting station and a digital broadcasting company) and a digital broadcasting reception system (for example, a home having a digital broadcasting equipment), and the like. The digital broadcasting transmission system is connected to a predetermined return channel.

The digital broadcast transmission system includes a broadcast program D / B for storing broadcast program data produced by at least one broadcast station in a broadcast standard data format (eg, Moving Picture Experts Group layer 2 (MPEG2)) and / or any broadcast data format ( 1005) an application information D / B 1000 for storing application information (eg, application program, product information, and / or purchase information) data corresponding to at least one or more broadcast programs stored in the broadcast program D / B 1005. ) Extracts at least one broadcast program data from the broadcast program D / B 1005 according to a broadcast schedule and at least one application information data linked to the broadcast program from the application information D / B 1000. And at least one broadcast program data output from the broadcast control unit 1010 and the broadcast control unit 1010. A transmitter 1020 which adds program confirmation information to the application information data and outputs at least one or more broadcast standard broadcast program data and / or arbitrary broadcast program data according to a given bandwidth, and a transmitter according to each broadcast channel ( A multiplexer 1025 for multiplexing the broadcast standard and / or arbitrary broadcast program data transmitted from the 1020 and outputting the same to at least one transmission facility (eg, satellite broadcast, cable broadcast, terrestrial broadcast, etc.), and a digital broadcast reception system. Collect at least one or more return data provided through at least one or more wired and / or wireless networks from the broadcast receiving unit 305 of the at least one server, and return the at least one or more servers 300 (eg, a return server). (300) (Return Server)) return data collector 1035, relay to provide relay It reads out the return data received via the data acquisition unit 1035, and is composed of a server 300 that provides at least one or more additional services for them.

The digital broadcast receiving system receives a broadcast standard and / or arbitrary broadcast program data including application information data from at least one or more receiving facilities (eg, satellite broadcast, cable broadcast, terrestrial broadcast, etc.), and receives the broadcast received as described above. The program data is processed into a television output signal and output to the corresponding digital television, and at least one return data is generated based on the application information data included in the broadcast program data, and the return data generated as described above is at least one. Television output signals output from the set-top box and the set-top box 1030 that provide a function such as transmission to the return data collector 1035 through the wired network and / or the wireless network. Digital television, the set-top box 1030 for outputting the image and sound data, etc. It consists of a remote controller (Remote Controller) or a wireless keyboard to provide at least one information input function in conjunction with.

Referring to FIG. 10 according to a preferred embodiment of the present invention, an IC chip having a predetermined payment means is mounted or detached in a memory unit 505 provided in the set top box 1030 of the digital broadcasting reception system. Preferably, the wireless terminal information 205 is stored, and predetermined payment processing (eg, payment for receiving Euro broadcasting content) associated with predetermined broadcasting content transmitted from the set top box 1030 through the digital broadcasting transmission system. Processing or payment processing for the purchase of goods sold in home shopping broadcasting contents), the set-top box 1030 is stored from the memory unit 505 as in the home payment system shown in FIGS. Extract predetermined wireless terminal information 205 and transmit it to the server 300 through the return channel, and / or the home payment shown in FIGS. 3 to 4 It connects to the server 300 through a return channel like a stem to receive predetermined payment information 320 and extract predetermined wireless terminal information 205 from the memory unit 505, and the payment information 320. In conjunction with the wireless terminal information 205 is preferably transmitted to the server 300 (or payment agent server 301).

11 is a view showing a preferred home payment method according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates a preferred home payment method performed in the home payment system when the home payment system as shown in FIG. 1 is implemented in a digital television capable of bidirectional communication as shown in FIG.

Referring to FIG. 11, when a user provides a predetermined payment command to the set-top box 1030 through a remote controller while receiving predetermined broadcast content through a digital television capable of bidirectional communication as shown in FIG. 10 (1100). The set top box 1030 extracts predetermined wireless terminal information 205 stored in the memory unit 505 and transmits predetermined broadcast content to the set top box 1030 through a return channel. (E.g., return server 300) (1105).

According to a preferred embodiment of the present invention, in the process of extracting the predetermined wireless terminal information 205 as described above and transmitting to the server 300 of the broadcaster through a return channel, the set-top box 1030 is the wireless terminal information It is preferable to output 205 to the digital television screen, and when at least two pieces of wireless terminal information 205 are extracted, a predetermined radio to use the wireless terminal information 205 for output and payment processing on the digital television screen. It is preferable to select the terminal information 205.

When the predetermined wireless terminal information 205 is received from the server 300 of the broadcaster through the return channel as described above, the server 300 broadcasts the content transmitted from the predetermined storage medium to the set top box 1030. Extracts predetermined payment information 320 for processing payment associated with 1110. After receiving the predetermined payment information 320 message including the callback UEL of the server 300 in the extracted payment information 320 (1115), the wireless terminal information 205 received from the set-top box 1030 In operation 1120, the generated payment information 320 message is transmitted to the wireless terminal 100 corresponding to the wireless terminal information 205.

When the predetermined payment information 320 message is received from the server 300 of the broadcaster, the wireless terminal 100 outputs the received payment information 320 message on a screen, and the user of the wireless terminal 100 In operation 1125, it is determined whether the payment processing for the payment information 320 is approved.

If the user of the wireless terminal 100 does not approve payment processing for the payment information 320 (1130), the wireless terminal 100 generates a predetermined payment error message to generate the server through the callback UEL. 300, and does not process a payment corresponding to the payment information 320 message received from the server 300 (1135).

On the other hand, if the user of the wireless terminal 100 approves the payment processing for the payment information 320 (1130), the wireless terminal 100 is a predetermined wireless payment procedure based on the IC chip (for example, the wireless terminal 100). A PIN (Personal Identification Number) to secure the integrity and non-repudiation of the IC chip, select a payment method to be used for payment processing from at least one or more payment means provided in the IC chip, and selects the A predetermined payment means information from the IC chip according to a series of procedures for reading the payment means information corresponding to the payment means) to the server 300 through the callback UEL included in the payment information 320 message. Send (1140).

According to one embodiment extending from the present invention, in transmitting predetermined payment information 320 from the wireless terminal 100 to the server 300 as described above, integrity and non-repudiation of the user of the wireless terminal 100 In order to secure the, the server 300 generates a predetermined one time password (OTP) and transmits it to the set-top box 1030 and outputs it to the digital television, and the wireless terminal 100 is output to the digital television. The method may further include transmitting an OTP to the server 300 in association with the payment means information (not shown).

When the predetermined payment means information is received from the wireless terminal 100 that has received the payment information 320 message as described above, the server 300 includes the predetermined payment means including the payment means information and the payment information 320. Generate the request message and transmit it to the payment server 400 through a predetermined network (1145), the payment server 400 receiving the payment request message is the payment means information and payment information included in the payment request message (320) ) To process the payment associated with the broadcast content received by the set-top box 1030, and generates a payment approval text including a predetermined payment approval result for the payment processing (1150).

When the payment approval text is generated as described above, the payment server 400 transmits the payment approval text to the server 300 (1155), and the server 300 includes the predetermined payment approval text. By generating the payment approval message of the transmission to the wireless terminal 100 (1160), the payment associated with the broadcast content received by the set-top box 1030 is completed.

12 is a view showing another home payment method according to an embodiment of the present invention.

More specifically, FIG. 12 illustrates a preferred home payment method performed in the home payment system when the home payment system as shown in FIG. 2 is implemented in a digital television capable of bidirectional communication as shown in FIG.

Referring to FIG. 11, if a user provides a predetermined payment command to the set-top box 1030 through a remote controller while receiving predetermined broadcast content through a digital television capable of bidirectional communication as shown in FIG. 10 (1200). The set top box 1030 extracts predetermined wireless terminal information 205 stored in the memory unit 505 and transmits predetermined broadcast content to the set top box 1030 through a return channel. (For example, return server 300) (1105), the server 300 transmits a payment associated with broadcast content being transmitted from a predetermined storage medium to the set-top box 1030. Extracts payment information 320 including a predetermined payment amount and seller information (for example, merchant information to be provided from the wireless terminal 100 to the payment server 400) to process the predetermined payment information 320. ) Generate a message After 1210, and it transmits the generated billing information (320) message to the wireless terminal 100 through a wireless terminal information 205 received from the set top box 1030 (1215).

When the predetermined payment information 320 message is received from the server 300 of the broadcaster, the wireless terminal 100 outputs the received payment information 320 message on a screen, and the user of the wireless terminal 100 It is determined whether the payment processing for the payment information 320 is approved (1220).

If the user of the wireless terminal 100 does not approve payment processing for the payment information 320 (1225), the wireless terminal 100 corresponds to the payment information 320 message received from the server 300. Does not process payments.

On the other hand, if the user of the wireless terminal 100 approves payment processing for the payment information 320 (1225), the wireless terminal 100 is predetermined from the IC chip according to a predetermined wireless payment procedure based on the IC chip. Read the payment means information of (1230), and generates a predetermined payment request message including the read payment means information and the payment information 320 received from the server 300 to the payment request full text through a mobile communication network To transmit to the payment server 400 (1235).

According to a preferred embodiment of the present invention, in transmitting the payment request message from the wireless terminal 100 to the payment server 400, to secure confidentiality and / or authentication and / or integrity and / or nonrepudiation. It is preferable to encrypt and / or electronically sign the payment request text (not shown).

When the payment request message is received from the wireless terminal 100, the payment server 400 reads the payment means information and payment information 320 included in the payment request message and is received by the set top box 1030. A payment associated with the broadcast content is processed and a payment approval message including a predetermined payment approval result for the payment processing is generated (1240).

When the payment approval message is generated as described above, the payment server 400 transmits the payment approval message to the wireless terminal 100 (1245), and the seller information included in the payment information 320 of the payment request message. Through 1250, the predetermined payment approval result included in the payment approval message is transmitted to the server 300 (eg, the return server 300).

FIG. 13 is a diagram illustrating a home payment system provided in a water purifier 1300 having communication means according to another exemplary embodiment of the present invention.

The water purifier 1300 periodically needs to replace a filter, and the filter replacement time may include the amount of water to be filtered and / or the water quality of the feed water supplied to the water purifier 1300 (eg, biological oxygen demand, amount of suspended solids). , Ionic component). In the conventional case, the replacement time of the filter was visually confirmed by the user, and the crystal and the new filter were replaced, or the water purifier 1300 was periodically dispatched and replaced by an employee. By the way, the water purifier 1300 is provided with predetermined communication means, and the home payment system proposed by the present invention makes it possible to conveniently purchase and replace the filter.

Referring to FIG. 13, the water purifier 1300 is provided with a predetermined filter sensor 1305 for determining the pollution degree and / or replacement time of the filter, and the purchase of a new filter is automatically performed by the filter sensor 1305. (For example, a filter is purchased in the water purifier 1300 and payment processing is automatically executed), and a predetermined payment is provided in the memory unit 505 provided in the water purifier 1300 for home payment processing according to the present invention. The wireless terminal information 205 on which the IC chip provided with the means is mounted or detached is stored.

14 is a view showing a preferred home payment method according to another embodiment of the present invention.

In more detail, FIG. 14 is performed in the home payment system when the home payment system as shown in FIG. 3 is implemented in the water purifier 1300 equipped with a predetermined communication means and a filter sensor 1305 as shown in FIG. It shows a preferred home payment method.

Referring to FIG. 14, the filter sensor 1305 provided at the constant as shown in FIG. 13 determines whether to replace the filter by checking the performance of the filter periodically or in real time (1400).

If the filter provided in the water purifier 1300 needs to be replaced (for example, if a payment process is executed in the water purifier 1300 for filter replacement) (1405), the water purifier 1300 is predetermined from the memory unit 505. Filter information (e.g., predetermined filter information (e.g., filter manufacturer information and / or filter dealer information and / or filter model information) of a filter provided in the water purifier 1300) is extracted and the server 300 (or For example, the server 1300 transmits a filter included in the water purifier 1300 to a sales server 300 selling 1410, and the server 300 extracts predetermined payment information 320 corresponding to the filter information and then network. Through the transmission to the water purifier 1300 (1415).

The water purifier 1300 receiving the payment information 320 extracts the wireless terminal information 205 stored in the memory unit 505 (1420), and the payment information 320 received from the server 300 and the The wireless terminal information 205 is linked and transmitted to the payment agency server 301 on the network (1425).

The payment agency server 301 that has received the predetermined payment information 320 and the wireless terminal information 205 from the water purifier 1300, sends the callback UEL of the payment agency server 301 to the payment information 320. After generating the predetermined payment information 320 message including the message 1430, the wireless terminal corresponding to the wireless terminal information 205 to the generated payment information 320 message through the wireless terminal information 205 ( 100) (1435).

When the predetermined payment information 320 message is received as described above, the wireless terminal 100 outputs the received payment information 320 message on the screen, and the user of the wireless terminal 100 receives the payment information 320. In operation 1440, it is determined whether to approve payment processing.

If the user of the wireless terminal 100 does not approve payment processing for the payment information 320 (1445), the wireless terminal 100 generates a predetermined payment error message and performs the payment through the callback UEL. The server 301 does not process the payment corresponding to the payment information 320 message received from the payment agent server 301 (1450).

On the other hand, if the user of the wireless terminal 100 approves payment processing for the payment information 320 (1445), the wireless terminal 100 is predetermined from the IC chip according to a predetermined wireless payment procedure based on the IC chip. The payment means information is read and transmitted to the payment agency server 301 through the callback UEL included in the payment information 320 message (1455).

When predetermined payment means information is received from the wireless terminal 100 that has received the payment information 320 message as described above, the payment agency server 301 includes the payment means information and the payment information 320. Generate a payment request full text of the payment server 400 through a predetermined network to transmit (1460), the payment server 400 received the payment request full text payment means information and payment information included in the payment request full text The processor 320 reads 320 to process the payment for the water filter 1300 filter replacement, and generates a payment approval message including the predetermined payment approval result for the payment processing (1465).

When the payment approval text is generated as described above, the payment server 400 transmits the payment approval text to the payment agency server 301 (1470), and the payment agency server 301 transmits the payment approval text. By generating a predetermined payment approval message to be transmitted to the wireless terminal 100 (1475), the water purifier (1300) to complete the payment for the filter replacement.

15 is a view showing another home payment method according to another embodiment of the present invention.

More specifically, FIG. 15 is performed in the home payment system when the home payment system as shown in FIG. 4 is executed in the water purifier 1300 having a predetermined communication means and a filter sensor 1305 as shown in FIG. The preferred home payment method is shown.

Referring to FIG. 15, the filter sensor 1305 included in the purified water as shown in FIG. 13 determines whether to replace the filter by checking the performance of the filter periodically or in real time (1500). If the filter provided in the 1300 is to be replaced (1505), the water purifier 1300 extracts predetermined filter information (for example, predetermined filter information for the filter provided in the water purifier 1300) from the memory unit 505. Transmitting to a server 300 (for example, a selling server 300 selling a filter) through a network (1510), and the server 300 extracts predetermined payment information 320 corresponding to the filter information; In operation 1520, the payment information 320 includes predetermined seller information (eg, merchant information for selling a filter corresponding to the filter information) to the water purifier 1300 through a network.

The water purifier 1300 receiving the payment information 320 extracts the wireless terminal information 205 stored in the memory unit 505 (1525), and the payment information 320 received from the server 300 and the The wireless terminal information 205 is linked to and transmitted to the payment server 301 on the network (1430).

The payment agency server 301 that has received the predetermined payment information 320 and the wireless terminal information 205 from the water purifier 1300, sends the callback UEL of the payment agency server 301 to the payment information 320. After generating a predetermined payment information (320) message including (1535), the wireless terminal corresponding to the wireless terminal information (205) to the generated payment information 320 message through the wireless terminal information 205 ( 100) (1540).

When the predetermined payment information 320 message is received as described above, the wireless terminal 100 outputs the received payment information 320 message on the screen, and the user of the wireless terminal 100 receives the payment information 320. In operation 1545, it is determined whether to approve payment processing for.

If the user of the wireless terminal 100 does not approve payment processing for the payment information 320 (1550), the wireless terminal 100 receives the payment information 320 message received from the payment agency server 301. Does not process the corresponding payment.

On the other hand, if the user of the wireless terminal 100 approves the payment processing for the payment information 320 (1550), the wireless terminal 100 is predetermined from the IC chip according to a predetermined wireless payment procedure based on the IC chip. Read the payment means information of the (1555), and generates a predetermined payment request message including the payment means information and the payment information 320 received from the payment agency server 301 to the payment through the mobile communication network The request message is transmitted to the payment server 400 (1560).

When the payment request message is received from the wireless terminal 100, the payment server 400 reads the payment means information and payment information 320 included in the payment request message to exchange the filter of the water purifier 1300. In step 1565, a payment approval message is processed and a payment approval message including a predetermined payment approval result for the payment processing is generated.

When the payment approval message is generated as described above, the payment server 400 transmits the payment approval message to the wireless terminal 100 (1570), and the seller information included in the payment request information 320 of the payment request message. Through 1515, the predetermined payment approval result included in the payment approval message is transmitted to the payment agency server 301 (or the selling server 300 selling the filter).

According to the present invention, when a predetermined payment process is executed in a home appliance provided in a digital home, the predetermined payment information is input to the home appliance, and / or the predetermined card terminal device linked with the home appliance. There is an advantage in that the payment processing is conveniently performed by omitting a series of processes for inserting an IC card equipped with a payment means and requesting payment.

According to the present invention, when payment processing based on USN (Ubiquitous Sensor Network) is executed through a home appliance provided in a digital home, the payment is made through a wireless terminal in which an IC chip having a predetermined payment means is mounted or detached. There is an advantage to handle it conveniently.

According to the present invention, when a predetermined payment process is executed in a home appliance provided in a digital home, the payment process is performed through a wireless terminal in which an IC chip having a predetermined payment means is mounted or detached from a remote place other than the home. This has the advantage of fast and convenient processing.

Claims (14)

In the wireless payment processing method, Transmitting user wireless terminal information and predetermined payment information from a home server to a server on a network through predetermined communication means; Transmitting the payment information from a server on the network to a wireless terminal corresponding to the wireless terminal information; And And performing a payment process on the basis of the payment information provided from the server on the network in the wireless terminal. The method of claim 1, wherein the performing of the payment process on the basis of the payment information provided from the server on the network in the wireless terminal, The mobile terminal reads predetermined payment means information for performing payment processing, generates a predetermined payment request message using the read payment means information and payment information provided from a server on the network, and establishes a mobile communication network. Wireless payment processing method comprising the step of transmitting to the payment server or the financial server corresponding to the payment means information. The method of claim 1, wherein the performing of the payment process on the basis of the payment information provided from the server on the network in the wireless terminal, Reading predetermined payment means information for performing payment processing in the wireless terminal, and transmitting the read payment means information to a server on a network; And And receiving payment means information from the wireless terminal in the server on the network, and processing payment using the received payment means information and the payment information. The method of claim 1, wherein the performing of the payment process on the basis of the payment information provided from the server on the network in the wireless terminal, Reading predetermined payment means information for performing payment processing in the wireless terminal, and transmitting the read payment means information to a server on a network; Receiving payment means information from the wireless terminal in the server on the network, and generating a predetermined payment request message using the received payment means information and the payment information; And And transmitting the full text of a payment request from a server on the network to a payment server or a financial server corresponding to the payment means information. The method of claim 1, Before the step of transmitting the user wireless terminal information and the predetermined payment information from the home server to the server on the network through a predetermined communication means, And receiving predetermined payment information by connecting or connecting with an external network at the home server. The method of claim 1, wherein the wireless terminal, At least one credit card, debit card, check card, prepaid card, electronic wallet, electronic bankbook, financial common network Wireless payment processing method characterized in that the IC chip equipped with a payment means (or payment means information) is mounted or detached. The method of claim 1, wherein the wireless terminal, It includes at least one of a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), a personal handyphone system (PHS), a personal digital assistant (PDA), and a smart phone. Wireless payment processing method characterized in that. The method of claim 1, wherein the wireless terminal information, And at least one of predetermined wireless terminal number information, ENUM (tElephone NUmber Mapping) number information, or IP address information. delete delete delete The method of claim 1, wherein the payment information, And at least one payment amount information, purchase product information, seller information, and merchant information. The method of claim 1, wherein the payment information, If the payment means provided in the wireless terminal is a payment means associated with the financial account, Wireless payment processing method comprising the financial account information of the seller or merchant required for payment processing using the payment means associated with the financial account. The method of claim 1, wherein the payment information, Wireless payment processing method characterized in that it further comprises a predetermined callback UEL.

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