KR100759959B1 - Smspay method and system for the same - Google Patents

Abstract

A method for paying the cost of an SMS(Short Message Service) and a system therefor are provided to perform payment only by an SMS by a remitter, a WAP(Wireless Application Protocol) between the payment system and the remitter, and dialing without interworking with a computer terminal and requesting any exclusive programs for the payment. A method is that the cost of an SMS is paid to a remittee by a payment request message between the electronic terminal of a remitter(100a) and a payment system(200) and the exchange of approval information of the payment request message. The electronic terminal is a portable terminal. The payment request message is transmitted to the payment system from the portable terminal of the remitter(100b) by an SMS.

Description

Text message payment method and system for same {SMSPAY METHOD AND SYSTEM FOR THE SAME}

1 is a block diagram showing a preferred embodiment of a system used in the SMS payment method according to the present invention.

2 is a diagram showing the interaction between the mobile terminal and the payment system used in the SMS payment method according to the present invention.

The present invention relates to a text message payment method and a system therefor. More specifically, the present invention relates to a short message (SMS) payment method and a system therefor, which does not require any dedicated program for payment and without any interworking with a computer terminal.

Mobile terminals are used to pay for products purchased in online shopping malls. Examples thereof include Korean Patent Registration No. 344,144, Korean Publication No. 2005-36511 and 2004-59103. Korean Registered Patent No. 344,144 (name of the invention: Electronic payment approval method and system using a short message service) (a) The payment approval server of the product to be purchased from the mobile communication subscriber computer connected to the electronic shopping mall server through the communication network Receiving user payment account authentication information including product purchase information including type information and purchase price information, and a mobile terminal number of the subscriber and an authentication number for confirming true identity; (b) the payment approval server performing a user payment account authentication of the subscriber who made a payment request for the product purchase price by searching a database in which user payment account authentication information is previously stored; (c) The payment approval server requests and receives payment request subscriber information stored in the mobile communication subscriber database to the mobile telecommunication service provider server, and may settle the post-payment through the billing bill issued by the mobile telecommunication service provider. Receiving subscriber history information which can confirm whether credit is present in the subscriber information; (d) After confirming that the payment approval server is able to postpaid the payment, based on the subscriber information received, the payment approval server generates an occupancy approval number if the postpayment is possible, and then transmits it to the terminal of the mobile subscriber using the short message service. Doing; And (e) the payment approval server receives the occupancy approval number from the mobile communication subscriber computer through the approval number input webpage provided through the electronic shopping mall server, and then enters the occupancy approval number and the occupancy approval transmitted. Comparing the number, if the match is made, the final payment of the post-paid electronic payment for the purchase price of the product is included.

Korean Patent Laid-Open No. 2005-36511 discloses (a) product transaction information including purchase target product information and purchase price information from a purchaser terminal connected to an electronic shopping mall server, and the purchaser's mobile terminal number and authentication for the purchaser's identity verification. Receiving a code; (b) requesting payment authentication and waiting for a response after transmitting payment authentication information including the mobile terminal number and a purchaser's identification code to the mobile communication service provider server; (c) a URL for linking a swap connection of a payment approval server to a purchaser's mobile terminal when the mobile communication provider server transmits an authentication success code as a result of querying a mobile communication subscriber database using the payment authentication information. Transmitting a short message including a callback through a mobile service provider server; And (d) if there is a swap connection of the buyer mobile terminal using the URL callback, the step of accepting payment on the condition of the matching of the mobile terminal number transmitted during the swap connection and the mobile terminal number received from the electronic shopping mall; Includes a URL callback, characterized in that it comprises a.

In the cost payment method using the portable terminals described in Korean Patent No. 344114 and Korean Patent Publication No. 2005-36511, the portable terminal is merely a means for receiving possession approval information. In other words, in the above-mentioned payment method, when the mobile terminal is only a means for assisting the computer terminal, the cost payment is not performed by the mobile terminal itself. Therefore, the cost payment method disclosed in Korean Patent No. 344114 and Korean Patent Publication No. 2005-36511 is only a model that can be applied only to the purchase of goods in an online shopping mall. For another example of a payment method using a portable terminal assisting a computer terminal, see Korean Patent Laid-Open Nos. 2001-89104, 2004-59103, and 2006-22304.

On the other hand, another method of payment using a mobile terminal is a method using a dedicated program under the control of a bank. This method applies the online payment method, and accesses the financial server using a dedicated program embedded in the mobile terminal to perform the payment. This method has the advantage of paying the cost by the portable terminal itself, but only targets the portable terminal with a built-in program.

It is an object of the present invention to provide a method for carrying out cost payment on its own without the aid of any other electronic terminal, including a computer terminal.

Another object of the present invention is to provide a method for simply and efficiently performing a cost payment using a portable terminal having a text message transmission and reception function and / or a swap server connection function without a dedicated program.

It is another object of the present invention to complete the payment to the remittee by the sender without incurring a burden on the transfer fee.

Still another object of the present invention is not to pay the costs with the recipient's financial account information, but to the recipient's mobile phone number or a text value corresponding thereto (a value corresponding to the mobile phone number, such as a name and business name). It is characterized by achieving a payment on the basis of.

The above objects and other objects to be described in the detailed description of the present invention, in performing the payment to the payee by the payment request message between the sender's electronic terminal and the payment settlement system and approval thereof, The terminal is a mobile terminal, and the request for payment is achieved by providing an SMS payment method, characterized in that the short message service (SMS) is transmitted from the sender's mobile terminal to the payment system.

According to a preferred embodiment of the present invention, the method comprises: a) at the sender's mobile terminal, a payment request message or payment information including the recipient's contact information and remittance amount, a text message (SMS); B) delivering to a payment system, b) in the payment system, in response to receiving the payment request message, performing a telephone call to a sender's mobile terminal or delivering a swap server connection message; c A) in the mobile terminal of the remitter, adding to the user authentication information or payment information transmitted in step a) through a response to a telephone call or a swap server, and adding the payment information to the payment system; d) in the payment system, in response to receipt of the sender's user authentication information, whether the sender has the authority to pay the cost; Checking whether the payment is made, and if it is normally confirmed that the remitter has the authority to pay the cost, a payment information message for guiding that the payment has been made from the remitter is provided as contact information of the payee. There is provided a method for paying a short message service (SMS) for a mobile terminal, comprising the step of notifying.

According to another preferred embodiment of the present invention, there is provided an SMS payment method of a mobile terminal, wherein the payment request message of step a) comprises a telephone number of the payment system and a payment request command.

According to another preferred embodiment of the present invention, the recipient contact information is not the recipient's account information, but is a mobile phone number of the recipient or a text value corresponding to the recipient's mobile terminal, characterized in that SMS A payment method is provided.

According to another preferred embodiment of the present invention, there is provided a method for paying SMS for a mobile terminal, characterized in that step b) is the transfer of a swap server connection message.

According to another preferred embodiment of the present invention, there is provided a method for payment of an SMS cost of a mobile terminal, characterized in that the cost payment guide message of step e) is transmitted as a text message.

According to still another preferred embodiment of the present invention, there is provided a method for payment of an SMS cost of a mobile terminal, wherein the cost payment guide message of step e) includes a remitter identification information, a remittance amount, and a payment system contact information.

According to another preferred embodiment of the present invention, in parallel with step e) or after performing step e), the sender's mobile terminal sends a payment completion message to the recipient confirming that the payment has been completed normally. Characterized in that it further comprises the step of delivering, the SMS payment method of the mobile terminal is provided.

According to another preferred embodiment of the present invention, an SMS data payment method of a mobile terminal, characterized in that the advertisement data is additionally delivered with the payment completion message.

Hereinafter, with reference to the accompanying drawings will be described in more detail the present invention.

1 is a block diagram showing a preferred embodiment of a system used in the SMS payment method according to the present invention. 2 is a diagram showing the interaction between the mobile terminal and the payment system.

1 and 2, the SMS payment method according to the present invention is a cost payment model by the mobile terminal (100). Specifically, the present invention provides a method for performing payment on its own without the aid of any other electronic terminal, including a computer terminal. According to the present invention, the portable terminal 100 may not have a built-in application for performing the payment. The mobile terminal 100 includes at least a text message transmission and reception function, and preferably further includes a swap server connection function. As the mobile terminal 100, a conventional mobile phone having a swap server connection function can be widely used. One of the most important features according to the present invention is that the payment request message, in the form of a text message, is transferred from the mobile terminal 100a, which is the remittance, to the payment system 200. The payment request message includes a payment system telephone number and a payment request command. Here, the term "payment of payment" includes a simple remittance transfer as well as payment for a service / goods purchase. Thus, the term "payment request message" includes a message requiring payment or remittance transfer for the price of the service / product purchase.

In response to the receipt of the payment request message, the payment system 200 performs a telephone call to the sender's mobile terminal 100a or transmits a swap server connection message to the mobile terminal 100a. In the case of user authentication information, strict security is required. Therefore, it is not preferable to carry out by text message. This is why telephone call or swap server connection messages are employed. Preferably it is a swap server connection message. The format of the swap server connection message is preferably a URL (uniform resource locator) callback message. The mobile terminal 100 of the remitter transfers user authentication information to the cost settlement system 200 through a response to a telephone call or through a swap server connection.

On the other hand, in order to perform the cost payment, payment information including a remittance amount, payee contact information, payment means, and the like is required. The payment information may be conveyed along with the payment request message, along with a response to a telephone call or with user authentication information via a WAP server connection, or a combination thereof. For example, all payment information may be delivered to the payment system 200 along with the payment request message. In this case, the payment system 200 may omit the request for payment information. In contrast, only the remittance amount may be transferred to the payment system 200 along with the payment request message. In this case, the payment system 200 may further request the recipient contact information and the payment means through the URL callback message. If no payment information is delivered with the payment request message, the payment system 200 may request the sender for all payment information through the URL callback message. Preferably, the payee contact information and the remittance amount are performed together with the payment request message, and the payment means is preferably performed through a swap server connection. In the case of a specific remitter, if a payment method (e.g., payment using a bank account, credit card payment, telephone bill payment, etc.) is registered in advance in the payment system 200, information on the payment method is not additionally provided. You may.

Another of the most important features according to the present invention is that the recipient contact information, instead of the recipient's account information, a letter value corresponding to the recipient's mobile phone number or the recipient's mobile terminal (e.g., the recipient's name, trade name, Payee nickname, etc.) may be used. In other words, the payment is performed based on the cost payment request from the sender's mobile terminal 100a, but the transfer amount is not directly transferred to the recipient's financial account, but as the contact information of the payee. I will respond to the payment request for this. " In this specification, such a message is defined as a "payment guidance message".

More specifically, in the payment system 200, in response to the receipt of the user authentication information of the remitter, it will be checked whether the remitter has the authority to pay the cost. This may be done by contact with a financial server (not shown) (e.g., a server of a bank or card company), contact with a telecommunications company, or confirmation of a deposit in the payment system 200. When it is normally confirmed that the remitter has the right to pay the cost, the cost settlement system 200 notifies the recipient's portable terminal 100b of the cost payment guide message based on the recipient contact information. The payment guidance message may also be delivered in the form of an SMS text message, in the same manner as the payment request message. This provides the advantage that both the request for payment from the remitter and the payment guidance to the recipient can be performed using SMS text messages. Here, the cost payment guide message includes the remitter identification information, the remittance amount and the contact information for the payment system 200. In response to the receipt of a message requesting the payment from the payee to his payment account, the cost settlement system 200 first performs authorization verification for the payee, and then transfers the transfer amount to the payment account. . After such a series of operations, the payment system 300 transmits a cost payment completion message to the sender's portable terminal 100a and / or the recipient's portable terminal 100b to confirm that the payment has been completed normally. do.

Meanwhile, the cost settlement system 200 may perform a remittance process with a plurality of financial servers (not shown). Therefore, there is little burden on the transfer fee. In general, transfer fees are free for many transactions. Therefore, the transferee and the recipient may not be charged any transfer fee. Instead of paying the transfer fee to the remitter and the recipient, the operator of the payment system 200, along with the payment guidance message and / or payment completion message, subject the SMS cost to the receipt of the advertising data. You can use the payment service. In other words, by adding advertising data to the payment guidance message and / or the payment completion message, the operator of the payment system 200 may earn. Advertisements added to the payment guidance message and / or the payment completion message may enable the rational operation of the SMS payment service.

At times, the advertiser may be a payee. For example, when the recipient delivers a payment completion message to the sender who pays the payment to the operator of the payment system 200, the recipient may send the advertising data associated with the recipient to the non-payment completion message. By delivering to the sender together, the targeted advertisement can be achieved. The provision of such legal and enhanced advertising data is another important feature in accordance with the present invention.

In the payment system 200 of FIG. 1, the interactive interface 201 is for transmitting and receiving data transmitted through a mobile communication network (not shown), and the swap server 202 is for delivering a URL callback message. The DB server 203 may provide information for authentication and authorization of a registered user, payment means information, a text value of a registered payee (for example, a payee's name, trade name, payee's nickname, etc.) and a corresponding mobile phone number. Manage various data including information. The advertisement server 204 manages advertisement data to be transmitted to the sender's and recipient's portable terminals. The control server 205 controls a series of processes performed in the payment system 200.

The short message payment method according to the present invention provides the following advantages.

(1) The method according to the present invention does not require any dedicated program for payment without any interworking with the computer terminal. However, payment can be made by a short message (SMS) by the remitter and a swap server or telephone call between the payment system and the remitter.

(2) In the method according to the present invention, the request for payment to the payee is not performed based on the payee's account information, but by the telephone number, the payee's name, or the payee's name. This provides a basis for performing new targeted advertisements, and provides a basis for remittances and recipients not to incur any transfer fees.

Claims (10)

In a method of paying a cost request message between an electronic terminal of a remitter and a payment system and a payment thereof by exchanging authorization information, the electronic terminal is a mobile terminal, and the cost payment request message is a text message (SMS: SMS payment method, characterized in that the transfer from the sender's mobile terminal to the payment system using a short message service). The method according to claim 1, wherein the method comprises: a) using a short message service (SMS), a payment request message or payment information including the remittee's contact information and the remittance amount, in a remitter's mobile terminal; Delivering to a payment system, b) at the payment system, in response to receiving the payment request message, performing a telephone call to a sender's mobile terminal or delivering a swap server connection message, c) the sender's In the mobile terminal, if the user authentication information or the payment information transmitted in step a) is not complete through a response to a telephone call or a swap server connection, adding the payment information to the payment system, d) In the payment system, in response to receiving the sender's user authentication information, it is checked whether the sender has the authority to pay the cost. And e) in the cost settlement system, if it is normally determined that the remitter has the right to pay the fee, informing the payee of the cost payment guide message to inform the recipient that the cost has been carried out. The payment method of the short message service (SMS) of the mobile terminal. 3. The method of claim 2, wherein the payment request message of step a) comprises a telephone number of the payment system and a payment request command. 3. The method of claim 2, wherein the recipient contact information is not a recipient's account information but a recipient's mobile phone number or a text value corresponding to the recipient's mobile terminal. The method of claim 2, wherein the cost payment guide message of step e) is transmitted as a text message. 6. The method of claim 5, wherein the cost payment guide message of step e) comprises remitter identification information, remittance amount, and payment system contact information. The method of claim 6, wherein advertisement data is additionally delivered together with the payment guidance message. 3. The method of claim 2, further comprising: in parallel with step e) or after performing step e), forwarding a payment completion message to the payee confirming that the payment was successfully completed. Characterized in that it comprises, SMS payment method of the mobile terminal, SMS payment method of the mobile terminal. The method of claim 8, wherein advertisement data is additionally delivered together with the payment completion message. a) transmitting, at the sender's mobile terminal, the payment request message or payment information including the recipient's contact information and the remittance amount to the payment system using a short message service (SMS); b In the cost settlement system, in response to receiving the cost payment request message, forwarding a swap server connection message to a sender's mobile terminal; c) at the sender's mobile terminal, user authentication information or through the swap server connection; If the payment information delivered in step a) is not complete, add the payment information and deliver it to the payment system; d) in the payment system, in response to receipt of the user authentication information of the remitter, the remitter Checking whether or not it is authorized to pay this fee, and e) in the cost settlement system, that the remitter has the right to pay If not normally confirmed, the method comprising the step of notifying the recipient of the cost payment information message to inform that the cost was performed from the sender, the mobile terminal, SMS (short message service) payment method of payment.

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