KR100791268B1 - Method for Processing Payment by Using Mobile Terminal and Recording Medium - Google Patents

Abstract

The present invention relates to a payment processing method and system using a wireless terminal and a program recording medium for the same, the payment processing method according to the present invention, receiving information for receiving payment processing request information from a customer wireless terminal in a predetermined information receiving means; A storage medium (or storage medium operation) for identifying the customer wireless terminal number information in a predetermined information checking means, and storing and storing the customer wireless terminal number information, the customer payment means information, and at least one payment processing target information in association; Means for confirming at least one or more payment processing object information and payment means information associated with the customer wireless terminal number, and the payment processing object included in the received payment processing request information is determined. Information confirmation step of checking whether the information is included; As a result, when the payment processing object included in the received payment processing request information is included in the confirmed payment processing target information, the predetermined information processing means sets the payment processing target information and the confirmed customer payment means information into the payment. An information processing step of transmitting to the payment processing means corresponding to the means, and a payment processing step of performing the payment processing on the payment processing object by using the payment processing object information and the customer payment means information in the payment processing means. do.

Wireless terminal, payment processing

Description

Payment processing method using a wireless terminal and a program recording medium therefor {Method for Processing Payment by Using Mobile Terminal and Recording Medium}

1 is a diagram illustrating an information registration system for payment processing according to an embodiment of the present invention.

2 is a diagram illustrating an information registration process for payment processing according to an embodiment of the present invention.

3 is a diagram illustrating a wireless message-based payment system according to an embodiment of the present invention.

4 is a diagram illustrating a process of providing customer account-based payment processing request information using a wireless message according to an embodiment of the present invention.

5 is a flowchart illustrating a payment processing process using a customer account according to an exemplary embodiment of the present invention.

6 illustrates a payment approval process using a customer account according to an embodiment of the present invention.

7 is a diagram illustrating a process of providing customer account-based payment processing request information using a wireless message according to another embodiment of the present invention.

8 illustrates a payment approval process using a customer account according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a wireless message-based payment system according to another embodiment of the present invention.

10 is a diagram illustrating a credit card based payment processing request information providing process using a wireless message according to an embodiment of the present invention.

11 is a flowchart illustrating a payment processing process using a credit card according to an embodiment of the present invention.

12 illustrates a payment approval process using a credit card according to an embodiment of the present invention.

13 is a diagram illustrating a credit card based payment processing request information providing process using a wireless message according to another embodiment of the present invention.

14 is a flowchart illustrating a payment approval process using a credit card according to another exemplary embodiment of the present invention.

15 is a diagram illustrating a wireless message-based payment system according to another embodiment of the present invention.

16 is a diagram illustrating a check card-based payment processing request information providing process using a wireless message according to an embodiment of the present invention.

17 is a flowchart illustrating a payment processing process using a check card according to an embodiment of the present invention.

18 illustrates a payment approval process using a check card according to an embodiment of the present invention.

19 is a diagram illustrating a check card based payment processing request information providing process using a wireless message according to another embodiment of the present invention.

20 illustrates a payment approval process using a check card according to another exemplary embodiment of the present invention.

21 is a diagram illustrating a wireless Internet-based payment system according to an embodiment of the present invention.

22 is a diagram illustrating an information providing process for wireless internet based payment processing according to an embodiment of the present invention.

23 is a flowchart illustrating a payment processing process using a customer account according to an embodiment of the present invention.

24 is a flowchart illustrating a payment approval process using a customer account according to one embodiment of the present invention.

25 is a diagram illustrating an information providing process for wireless internet based payment processing according to another embodiment of the present invention.

26 illustrates a payment approval process using a customer account according to another exemplary embodiment of the present invention.

27 is a diagram illustrating a wireless Internet-based payment system according to another embodiment of the present invention.

28 is a diagram illustrating an information providing process for wireless internet-based payment processing according to an embodiment of the present invention.

29 is a flowchart illustrating a payment processing process using a credit card according to an embodiment of the present invention.

30 is a flowchart illustrating a payment approval process using a credit card according to an embodiment of the present invention.

31 is a diagram illustrating an information providing process for wireless internet based payment processing according to another embodiment of the present invention.

32 is a flowchart illustrating a payment approval process using a credit card according to another embodiment of the present invention.

33 is a diagram illustrating a wireless internet-based payment system according to another embodiment of the present invention.

34 is a diagram illustrating an information providing process for wireless internet based payment processing according to an embodiment of the present invention.

35 is a flowchart illustrating a payment processing process using a check card according to an embodiment of the present invention.

36 is a flowchart illustrating a payment approval process using a check card according to an embodiment of the present invention.

37 is a diagram illustrating an information providing process for wireless internet based payment processing according to another embodiment of the present invention.

38 is a flowchart illustrating a payment approval process using a check card according to another embodiment of the present invention.

39 is a diagram illustrating a voice call-based payment system according to an embodiment of the present invention.

40 is a diagram illustrating a process of receiving customer account-based payment processing information from a wireless terminal according to one embodiment of the present invention.

41 is a flowchart illustrating a payment processing process using a customer account according to one embodiment of the present invention.

42 is a flowchart illustrating a payment approval process using a customer account according to one embodiment of the present invention.

43 is a diagram illustrating a process of receiving customer account-based payment processing information from a wireless terminal according to another embodiment of the present invention.

44 is a flowchart illustrating a payment approval process using a customer account according to another embodiment of the present invention.

45 is a diagram illustrating a voice call-based payment system according to another embodiment of the present invention.

46 is a diagram illustrating a process of receiving credit card based payment processing information from a wireless terminal according to one embodiment of the present invention.

47 is a flowchart illustrating a payment processing process using a credit card according to an embodiment of the present invention.

48 is a flowchart illustrating a payment approval process using a credit card according to an embodiment of the present invention.

49 is a diagram illustrating a process of receiving credit card based payment processing information from a wireless terminal according to another embodiment of the present invention.

50 is a flowchart illustrating a payment approval process using a credit card according to another embodiment of the present invention.

51 is a diagram illustrating a voice call-based payment system according to another embodiment of the present invention.

52 is a diagram illustrating a process of receiving check card based payment processing information from a wireless terminal according to one embodiment of the present invention.

53 is a flowchart illustrating a payment processing process using a check card according to an embodiment of the present invention.

54 is a flowchart illustrating a payment approval process using a check card according to an embodiment of the present invention.

55 is a diagram illustrating a process of receiving check card-based payment processing information from a wireless terminal according to another embodiment of the present invention.

56 is a flowchart illustrating a payment approval process using a check card according to another embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: authentication information setting unit

130: storage medium 135: client terminal

300: payment processing server 305: payment processing unit

310: approval processing unit 315: air interface unit

320: information receiving unit 325: information processing unit

330: information confirmation unit 335: information transmission unit

340: financial system 345: customer wireless terminal

The present invention provides a payment system for performing a payment process through a predetermined wireless terminal when the customer wireless terminal number, customer account information, and payment processing target information for payment processing according to the present invention are stored in a predetermined storage medium. It is about.

Conventionally, a method of paying utility bills, tuition fees, tuition fees, etc., is a method of paying directly through the storage requesting institution and paying by cash and / or card payment, optical character recognition (OCR) and / or magnetic ink character recognition (MICR). There is a method of visiting and paying a predetermined storage institution (eg, a bank, a post office, etc.) through a giro paper, and a method of paying using an internet payment system.

Among the payment methods described above, the payment method using the Giro paper is inconvenient that the payer should visit the bank directly with the Giro paper. Also, the payment method using the Internet payment system also depends on the Internet payment procedure. It is inconvenient to perform complicated information input process.

However, the payment method using the Giro paper and the payment method using the Internet payment system are mainly used by institutions that issue a large amount of bills such as utility bills, and small institutions such as school tuition fees and / or building rents. In the case of (or businesses), a very inconvenient payment method is used in which the payer visits the institution (or company) and pays through cash and / or credit card payment.

In particular, in the case of paying the school tuition fee of the child, parents visit the school directly and pay the tuition fee, or transfer the school tuition fee to the school through the child is mainly used. Not only is it very inconvenient, it also carries the risk of loss.

An object of the present invention, when receiving the payment processing request information from the customer wireless terminal, confirms the customer wireless terminal number information, by linking the customer wireless terminal number information, customer payment means information and at least one or more payment processing target information Check at least one payment processing target information and payment means information linked to the customer wireless terminal number in association with a storage medium (or a storage medium operating means) to be stored, and the payment included in the received payment processing request information. If it is determined whether a processing target is included in the confirmed payment processing target information, and the result of the check, the payment processing target included in the received payment processing request information is included in the confirmed payment processing target information, the payment processing A payment destination corresponding to the payment means with target information and the confirmed customer payment means information; A payment processing using a wireless terminal for transmitting to a resource means.

A payment processing method using a wireless terminal according to the present invention comprises: an information receiving step of receiving payment processing request information from a customer wireless terminal in a predetermined information receiving means; A storage medium (or storage medium operating means) which checks the customer wireless terminal number information in a predetermined information checking means and links and stores the customer wireless terminal number information, the customer payment means information, and at least one payment processing target information; Confirm at least one payment processing object information and payment means information linked to the customer wireless terminal number, and include the payment processing object included in the received payment processing request information in the confirmed payment processing object information. An information checking step of confirming whether or not it is; As a result of the check, if the payment processing object included in the received payment processing request information is included in the confirmed payment processing object information, the predetermined information processing means may include the payment processing object information and the confirmed customer payment means information. An information processing step of transmitting to a payment processing means corresponding to the payment means; And a payment processing step of performing the payment processing on the payment processing object by using the payment processing object information and the customer payment means information in the payment processing means.

On the other hand, the payment processing method using a wireless terminal according to the present invention, an information receiving step of receiving payment processing request information from the customer wireless terminal in a predetermined information receiving means; A storage medium (or storage medium operating means) which checks the customer wireless terminal number information in a predetermined information checking means and links and stores the customer wireless terminal number information, the customer payment means information, and at least one payment processing target information; An information checking step of confirming at least one payment processing target information and payment means information linked to the customer wireless terminal number in association; In connection with the wireless terminal in a predetermined information processing means, to check the payment processing target information corresponding to the payment processing request of the at least one or more payment processing target information, the confirmed payment processing target information and the confirmed An information processing step of transmitting customer payment means information to a payment processing means corresponding to the payment means; And a payment processing step of performing the payment processing on the payment processing object by using the payment processing object information and the customer payment means information in the payment processing means.

According to the present invention, the payment processing method using the wireless terminal, characterized in that it further comprises an information transmitting step of transmitting the payment processing details to the payment processing object and / or the customer communication means in a predetermined information transmission means. It is done.

Further, according to the present invention, the payment processing method using the wireless terminal, after requesting the customer authentication information to the wireless terminal from a predetermined information processing means, after receiving the customer authentication information from the wireless terminal, the customer and / Or authenticating the validity of the wireless terminal.

According to the present invention, in the information receiving step, the payment processing request information is received from the customer wireless terminal as a text message, or received through a wireless internet network, or received through a call connection.

According to the present invention, in the payment processing step, when the payment means associated with the customer wireless terminal is an account, the payment processing means may check the balance of the customer account, and withdraw the amount corresponding to the payment request. Confirming whether or not; If the withdrawal result is possible, processing the approval in the payment processing means corresponding to the payment request; The account withdrawal corresponding to the payment processing is transmitted from the server on the communication network connected to the payment processing means to the customer communication means, and when the account withdrawal approval information is received from the customer communication means, the notification is sent to the payment processing means. Doing; And converting the approval process to an approval process based on the account withdrawal approval information in the payment processing means.

In addition, when the payment means associated with the customer wireless terminal is a credit card, checking the credit limit of the customer credit card in the payment processing means, to determine whether the authorization processing of the amount corresponding to the payment request; Processing the approval in response to the payment request in the payment processing means when the approval result approval processing is possible; Transmitting the payment processing details from the server on the communication network connected to the payment processing means to the customer communication means, and notifying the payment processing means if the approval information for the payment processing is received from the customer communication means; And converting the approval process into an approval process on the basis of the approval information in the payment processing means.

In addition, when the payment means associated with the customer wireless terminal is a check card, the payment processing means checks the payment account corresponding to the customer check card, in connection with the account management means for managing the payment account, the payment Checking whether the amount of money can be withdrawn corresponding to the request, and requesting the payment account to set an amount of money withdrawal prevention lock corresponding to the payment request; Transmitting the payment processing details from the server on the communication network connected to the payment processing means to the customer communication means, and notifying the payment processing means if the approval information for the payment processing is received from the customer communication means; And requesting the lock release and withdrawal of the payment amount set in the payment account to the account management means on the basis of the approval information in the payment processing means.

In addition, according to the present invention, the payment processing step, by checking the customer payment means information in the payment processing means, to determine whether the payment processing corresponding to the payment request; If the settlement result is possible, processing the approval in the payment processing means corresponding to the payment request; Registering the approval processing details on a predetermined website in a server on a communication network connected to the payment processing means; When the customer accesses the website, a predetermined website operation means presents the registered approval details to the customer, and if the customer approves the payment processing corresponding to the approval details, the payment processing is performed. Notifying by means; And converting the approval process into an approval process based on the approval information of the customer in the payment processing means.

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

On the other hand, the payment processing system using the wireless terminal according to the present invention, when receiving the payment processing request information from the customer wireless terminal, and confirms the customer wireless terminal number information, the customer wireless terminal number information and customer payment means information and at least one The at least one payment processing target information and the payment means information associated with the customer wireless terminal number are identified in connection with a storage medium (or a storage medium operating means) that stores and processes the above payment processing target information in association. Information checking means for checking whether the payment processing object included in the received payment processing request information is included in the checked payment processing object information; And when the payment processing object included in the received payment processing request information is included in the confirmed payment processing object information, the payment processing object information and the confirmed customer payment means information corresponding to the payment means. And information processing means for transmitting to the payment processing means.

On the other hand, the payment processing system using the wireless terminal according to the present invention, when receiving the payment processing request information from the customer wireless terminal, and confirms the customer wireless terminal number information, the customer wireless terminal number information and customer payment means information and at least one Information checking means for confirming at least one or more payment processing target information and payment means information associated with the customer wireless terminal number in association with a storage medium (or a storage medium operating means) for cooperatively processing and storing the above payment processing target information. ; And confirming payment processing object information corresponding to the payment processing request among the at least one payment processing object information identified in association with the wireless terminal, and confirming the confirmed payment processing object information and the confirmed customer payment means information. And information processing means for transmitting to a payment processing means corresponding to the payment means.

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 made based on the contents throughout the present invention.

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 following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

1 is a diagram illustrating an information registration system for payment processing according to an embodiment of the present invention.

In more detail, in FIG. 1, a predetermined client terminal 135 accesses an information registration system through a predetermined network means to display a customer wireless terminal number, customer payment means information, and payment processing target information for payment processing according to the present invention. As a system configuration for storing in association with the storage medium 130, those of ordinary skill in the art to which the present invention pertains, the information registration system configuration for payment processing by referring to and / or modifying the drawing 1 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more means for storing the customer wireless terminal number, customer payment means information and payment processing target information provided from the client terminal 135 on the storage medium 130 on the information registration system shown in FIG. And / or a component corresponding to the functional configuration is referred to as " information registration server " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for payment processing according to the present invention includes at least one client terminal 135 connected to a predetermined network means, and at the client terminal 135. A storage medium 130 for linking and storing the transmitted customer wireless terminal number, customer payment means information, and payment processing target information, and is connected to the client terminal 135 through a predetermined network means, and through the network means. And an information registration server 100 configured to receive the transmitted customer wireless terminal number, customer payment means information, and payment processing target information in association with the storage medium 130 for storage.

The client terminal 135 is a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). At least one wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 through a communication system, and / or connected to a code division multiple access (CDMA) based mobile communication network. At least one wireless terminal comprising at least one mobile communication terminal and / or a portable internet terminal connected to an IEEE 802.16 based high speed wireless internet, and / or a wireless data communication terminal connected to a DataTAC / Mobitex based wireless data communication network Characterized in that it comprises above, the client terminal 135 is provided by the information registration server 100 Outputting at least one interface screen, and inputting and / or selecting at least one information through the interface screen to transmit the information registration server 100 (e.g., a browser program and a communication function) It is preferable that it is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the client terminal 135 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Omit for convenience.

According to an embodiment of the present invention, when the client terminal 135 is a wired terminal, the network means includes the TCP / IP based wired network, and when the client terminal 135 is a wireless terminal, The network means preferably comprises at least one of the CDMA based mobile communication network, and / or IEEE 802.16 based high speed wireless Internet, and / or DataTAC / Mobitex based wireless data communication network.

The storage medium 130 provided on the information registration system according to the present invention is characterized by storing the customer wireless terminal number, customer payment means information and payment processing target information transmitted from the client terminal 135 in association with each other. do.

In this case, the customer wireless terminal number is connected to a code division multiple access (CDMA) based mobile communication network to receive voice calls, wireless messages, and wireless Internet services. Global System for Mobile terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone Phone) preferably comprises a phone number assigned to at least one mobile communication terminal.

According to another embodiment of the present invention, when the customer uses the IEEE 802.16x-based portable Internet terminal in addition to the mobile communication terminal, the customer radio terminal number corresponding to the mobile communication telephone number is the IEEE 802.16 It may further include a wireless terminal address provided in the x-based portable Internet terminal, whereby the present invention is not limited.

In addition, the customer payment means information includes all the customer account information, credit card information, check card information, prepaid card information, etc. that the customer can process a predetermined payment amount in the payment processing process for at least one payment merchant It is preferable to comprise.

When the customer payment means is a customer account, the customer payment means information (customer account information) preferably comprises the customer account number and the name of the account holder, in addition to at least one or more information according to the intention of those skilled in the art have.

In addition, when the customer payment means is a credit card, the customer payment means information (credit card information) includes the TRACK II information such as the credit card number, expiration date, card issuer, and English name of the card holder. Preferably, at least one or more information may be further included according to the intention of the person skilled in the art.

When the customer payment means is a check card, the customer payment means information (check card information) includes TRACK II information such as the check card number, expiration date, card issuer, and English name of the card holder. Preferably, at least one or more information may be further included according to the intention of the person skilled in the art.

In addition, when the customer payment means is a prepaid card, the customer payment means information (prepaid card information) is made including the prepaid card number and the amount charged, and in the case of a named prepaid card further comprises the cardholder information In addition, at least one or more information may be further included according to the intention of the person skilled in the art.

The payment processing target information may include at least one payment merchant information, payment amount information, and payment target information.

According to an embodiment of the present invention, the payment merchant information is institution information requesting the customer to pay at least one or more payment amounts, and the payment merchant is a school used by the customer (or a child of the customer), and / or the It includes all organizations that periodically charge (or irregularly) a predetermined payment amount to the customer, such as newspapers / magazines that the customer regularly subscribes to, and the management office of the apartment in which the customer lives. The present invention is not limited by this.

According to an embodiment of the present invention, the payment merchant information preferably comprises payment merchant specific information for identifying a particular payment merchant among at least two payment merchants, the payment merchant specific information is provided in the payment merchant Terminal information provided in a predetermined payment terminal, and / or merchant information assigned to the payment merchant by a financial institution (eg, a bank, a card company, etc.) corresponding to the customer payment means, and / or a business registration number of the payment merchant (And / or corporate registration number), and / or representative information including the resident registration number of the representative of the payment merchant preferably comprises at least one or more.

In addition, the payment merchant information preferably further comprises the payment merchant account information (or deposit account information) to be the amount of payment processed through the customer payment means, whereby the payment processing process according to the invention It can be easily processed.

According to an embodiment of the present invention, the information registration server 100 communicates with the client terminal 135 through the network means in order to provide a web interface corresponding to the client terminal 135 and the network means. And an interface unit 105 for connecting and managing channels, whereby the information registration server 100 is connected to the client terminal 135 through a wired network and / or a wireless network. It has the function of a web server.

According to an exemplary embodiment of the present invention, when the client terminal 135 is a wired terminal to which a communication channel is connected through a TCP / IP based wired network, the interface unit 105 connects to the client terminal 135 and HTTP ( An interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is connected to the client terminal 135 through a communication channel based on a Hyper-Text Transfer Protocol protocol. It is preferable to perform a function of transmitting and outputting the data, and receiving and processing a predetermined customer wireless terminal number, customer payment means information, and payment processing target information input (or selected) through the interface screen from the client terminal 135. Do.

According to another exemplary embodiment of the present invention, when the client terminal 135 is a wireless terminal to which a communication channel is connected through a CDMA based wireless network, the interface unit 105 is connected to the client terminal 135 and a WAP (Wireless). Connect a predetermined communication channel based on the Application Protocol and / or Mobile Explorer (ME) protocol, and the interface in the form of a Wireless Markup Language (WML) and / or HTML compatible document to the client terminal 135 through the communication channel. Transmitting and outputting a screen and / or information providing screen, and receiving and processing a predetermined customer wireless terminal number, customer payment means information, and payment processing target information corresponding to the interface screen from the client terminal 135; It is preferable.

According to another exemplary embodiment of the present invention, when the client terminal 135 is a wireless terminal to which a communication channel is connected through an IEEE 802.16 based wireless network, the interface unit 105 may be connected to the client terminal 135. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16 standard, and transmit and output a predetermined interface screen and / or information providing screen to the client terminal 135 through the communication channel, and the client terminal. It is preferable to perform a function of receiving and processing a predetermined customer wireless terminal number, customer payment means information, and payment processing target information corresponding to the interface screen from 135, and / or the client terminal 135 performs a DataTAC / In the case of a wireless terminal in which a communication channel is connected through a Mobitex-based wireless network, the interface unit 105 is connected. Connects a predetermined communication channel with the client terminal 135 based on a wireless protocol corresponding to the DataTAC / Mobitex standard, and provides a predetermined interface screen and / or information providing screen to the client terminal 135 through the communication channel. It is preferable to perform a function of transmitting and outputting the data, and receiving and processing a predetermined customer wireless terminal number, customer payment means information, and payment processing target information corresponding to the interface screen from the client terminal 135.

Referring to FIG. 1, the information registration server 100 interworks with the interface unit 105 when a predetermined client terminal 135 accesses the information registration server 100 through the interface unit 105. Interface providing unit for generating (or extracting) a predetermined interface screen for inputting (or selecting) predetermined customer wireless terminal number, customer payment means information, and payment processing target information from the client terminal 135. And a client wireless terminal number, customer payment means information, and payment processing target information inputted (or selected) and transmitted from the client terminal 135 through the interface screen in association with the interface unit 105. The information receiving unit 115 and the received customer wireless terminal number, customer payment means information and payment processing target information to the storage medium 130 to process the connection and storing It is characterized in that it comprises an information storage unit 120.

The interface providing unit 110 has a functional configuration (for example, a client) provided in the client terminal 135 when a predetermined client terminal 135 accesses the information registration server 100 through the interface unit 105. Corresponding to the browser program provided in the terminal 135, input (or select) predetermined customer wireless terminal number, customer payment means information, and payment processing target information and transmit it to the information registration server 100 through the network means. A predetermined interface screen which can be generated, and / or extracted from a predetermined database (not shown), and linked to the interface unit 105 to generate the generated (or extracted) interface screen through the network means. Characterized in that provided to the terminal 135.

Thereafter, the client terminal 135 inputs (or selects) predetermined customer wireless terminal number, customer payment means information, and payment processing target information based on the interface screen, and the input (or selected) customer wireless terminal number. The customer payment means information and payment processing target information are transmitted to the information registration server 100 through the network means.

When the information receiving unit 115 inputs (or selects) a predetermined customer wireless terminal number, customer payment means information, and payment processing target information through the interface screen, the client terminal 135 transmits the information through the network means. Receiving the customer wireless terminal number, customer payment means information and payment processing target information in conjunction with the interface unit 105, the received customer wireless terminal number, customer payment means information and payment processing target information The information storage unit 120 is provided.

The information storage unit 120 may process the customer wireless terminal number, the customer payment means information, and the payment processing target information received through the information receiver 115 and store the information in the storage medium 130. .

According to the present invention, when the customer wireless terminal number is first received from the client terminal 135 and stored in the storage medium 130, the information registration server 100 authenticates the payment process according to the present invention. And an authentication information setting unit 125 for setting customer authentication information for securing authentication, integrity, and nonrepudiation.

According to one embodiment of the invention, the customer authentication information comprises a predetermined password to authenticate the validity of the customer and / or the wireless terminal corresponding to the customer wireless terminal number in the payment process according to the invention. It is preferable.

At this time, the authentication information setting unit 125 generates (or extracts) a predetermined password input interface screen through the interface providing unit 110 to set the password as the customer authentication information, and the interface unit ( By providing the password input interface screen to the client terminal 135 (or a wireless terminal corresponding to the customer wireless terminal number) through 105, the client terminal 135 (or a wireless terminal corresponding to the customer wireless terminal number). Receives a predetermined password for authenticating the payment processing through a wireless terminal corresponding to the customer wireless terminal number in the payment processing process according to the present invention from the customer wireless terminal by processing the received password as the customer authentication information It is preferable to store the number in association with the number.

According to another exemplary embodiment of the present invention, the customer authentication information includes customer personal information (or customer unique information) such as a social security number of the customer corresponding to the customer wireless terminal number in the payment processing process according to the present invention. desirable.

At this time, the authentication information setting unit 125 inputs predetermined customer personal information (or unique information) through the interface providing unit 110 to set the customer personal information (or unique information) as the customer authentication information. An interface screen is generated (or extracted) and the customer personal information (or unique information) input interface screen is transferred to the client terminal 135 (or a wireless terminal corresponding to the customer wireless terminal number) through the interface unit 105. By providing, a predetermined step of authenticating the payment processing from the client terminal 135 (or a wireless terminal corresponding to the customer wireless terminal number) through the wireless terminal corresponding to the customer wireless terminal number in the payment processing process according to the present invention. Receive customer personal information (or unique information), and process the received customer personal information (or unique information) as the customer authentication information To store the processing associated with the customer wireless terminal number is preferred.

According to another exemplary embodiment of the present invention, the customer authentication information includes a predetermined OTP (One) for authenticating the storing payment process through a wireless terminal corresponding to the customer wireless terminal number in the storing payment processing process according to the present invention. Time Password) is preferably included.

At this time, the authentication information setting unit 125 to provide a predetermined OTP generating program to the wireless terminal corresponding to the customer wireless terminal number through the interface unit 105 to set the OTP as the customer authentication information. Predetermined OTP authentication information for authenticating OTP generated dynamically through an OTP generating program mounted in the wireless terminal (for example, authenticating OTP dynamically generated through an OTP generating program mounted in the wireless terminal). Information for generating an OTP) is processed as the customer authentication information and stored in association with the customer wireless terminal number.

According to another embodiment of the present invention, the customer authentication information for authenticating the validity of the customer and / or the wireless terminal corresponding to the customer wireless terminal number in the payment process according to the invention, the password and / or individual customer In addition to the information (or unique information) may further include other authentication information (eg, biometric information of the customer), the authentication information setting unit 125 corresponds to the customer wireless terminal number in the payment process according to the present invention. Set predetermined customer authentication information for authenticating the validity of the customer and / or the wireless terminal, and stores the set customer authentication information in association with the customer wireless terminal number.

Referring to FIG. 1, the customer authentication information is illustrated as being stored in the storage medium 130 in association with the customer wireless terminal number, but the present invention is not limited thereto.

The customer authentication information is processed in association with the customer wireless terminal number in order to provide a high security for the payment processing process according to the present invention can be stored in a separate database in addition to the storage medium 130, thereby The present invention is not limited.

2 is a diagram illustrating an information registration process for payment processing according to an embodiment of the present invention.

In more detail, Figure 2 is a client for a payment process according to the present invention by accessing the information registration server 100 through a predetermined network means by a predetermined client terminal 135 through the information registration system shown in FIG. As a process for storing the wireless terminal number, customer payment means information, payment processing target information in the storage medium 130, the connection process, and set the predetermined customer authentication information and stored in association with the customer wireless terminal number, Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to infer various implementation methods for the information registration process for payment processing, but the present invention is inferred from the above It includes all implementation methods, and is not limited to the implementation method shown in FIG.

For example, although FIG. 2 illustrates that the password is set as the customer authentication information for authenticating the payment process, a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. It will be possible to infer a method of setting other customer authentication information, whereby the present invention is not limited.

Hereinafter, in FIG. 2, the client terminal 135 illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the information registration server 100 is referred to as a “server” for convenience.

Referring to FIG. 2, after the terminal 135 accesses the server 100 through a network means and registers and / or logs in, the server 100 registers information for payment processing according to the present invention. Request (200), the server 100 generates (or extracts) a predetermined information registration interface screen for payment processing and provides it to the terminal 135 through the network means (205), and the terminal ( 135 inputs (or selects) the customer wireless terminal number, customer payment means information, and payment processing target information through the information registration interface screen (210).

Thereafter, the terminal 135 transmits the customer wireless terminal number, customer payment means information, and payment processing target information input (or selected) through the information registration interface screen to the server 100 through the network means. (215).

The server 100 receiving the customer wireless terminal number, customer payment means information, payment processing target information for the payment processing from the terminal 135, the received customer wireless terminal number and / or customer payment means information And / or verify the validity of the payment processing target information (220).

According to an exemplary embodiment of the present invention, the server 100 checks the validity of the wireless terminal corresponding to the customer wireless terminal number in association with a communication company corresponding to the customer wireless terminal number.

In this case, the validity of the wireless terminal includes checking whether the wireless terminal is a wireless terminal that is normally operating.

In addition, the server 100 confirms the validity of the customer payment means corresponding to the customer payment means information in connection with the financial institution and / or card issuer corresponding to the customer payment means information.

Here, the validity of the customer payment means includes checking whether the customer payment means is a payment means owned by the customer.

In addition, the server 100 checks the validity of the payment merchant corresponding to the payment processing target information.

In this case, the validity of the payment affiliate includes checking whether the payment affiliate is a normal affiliate (eg, a card payment affiliate) that can process payment according to the present invention.

If the validity of the customer wireless terminal number and / or customer payment means information and / or payment processing target information is not authenticated (225), the server 100 is the customer wireless terminal number and / or customer payment means information and And / or generating validity error information about payment processing target information (230), transmitting the generated validity error information to the terminal 135 through the network means and outputting the data (235), and payment processing according to the present invention. End the information registration process for.

On the other hand, if the validity of the customer wireless terminal number and / or customer payment means information and / or payment processing target information is authenticated (225), the server 100 is the customer wireless terminal number received from the terminal 135, The customer payment means information and the payment processing target information are stored in the storage medium 130 in step 240.

In addition, the server 100 reads the customer wireless terminal number received from the terminal 135 (for example, searching whether the wireless terminal number that matches the customer wireless terminal number exists in the storage medium 130). Check whether the customer wireless terminal number is initially registered in the storage medium 130 (245).

If the customer wireless terminal number is not registered in the storage medium 130 for the first time (250), the server 100 terminates the information registration process for the payment processing.

On the other hand, if the customer wireless terminal number is initially registered in the storage medium 130 (250), the server 100 generates (or extracts) a predetermined password registration interface screen and the terminal 135 through the network means. (255), the terminal 135 inputs a predetermined password for authenticating the payment process through the password registration interface screen (260), and inputs the input password through the network means. The server 100 transmits the data to the server 100 (265).

Thereafter, the server 100 processes the password received from the terminal 135 as the customer authentication information and stores the data in association with the customer wireless terminal number (270).

3 is a diagram illustrating a wireless message-based payment system according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a predetermined wireless terminal when the storage medium 130 is stored in association with the customer wireless terminal 345 number, customer account information, and payment processing target information for payment processing according to the present invention. As a method for implementing a payment system for performing a payment process according to the present invention, those skilled in the art to which the present invention pertains, refer to and / or modify the drawing 3 to the storage medium 130 Although the present invention can infer various implementation methods for a payment system corresponding to a case where a customer wireless terminal 345 number, customer account information, and payment processing target information are stored in association with each other according to the present invention. It includes all the inferred method of implementation, whereby the present invention is not limited.

For example, in FIG. 3, the payment processing server 300 for processing a payment according to the present invention is illustrated as one server, but the payment processing server 300 may be separated into at least two or more servers. This is not limited.

According to FIG. 3, the payment system receives predetermined payment processing request information from a predetermined wireless terminal through a predetermined wireless message (eg, a terminal message or a multimedia message) and stored in the storage medium 130. And a payment processing server 300 linked with a predetermined financial system 340 for processing the financial settlement using the customer account information through a predetermined interface means.

The financial system 340 is a computer system provided in a predetermined financial institution, and has a function of providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one or more financial transaction customers. The payment processing server 300 is linked to the payment processing server 300 through a predetermined interface means (eg, a network means for connecting the financial system 340 to an external communication network) for payment processing according to the present invention.

The financial system 340 is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. The account system for handling window services such as credit or reception or trust or foreign exchange occurring in the above branch (or window), the information system for processing the headquarters business, the branch information support and the customer information management, and the financial system 340 ) And / or interconnection between at least one other financial system 340 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc.) to access the financial system 340, and / or Is characterized in that it comprises an external system that provides a variety of financial transaction interface through at least one common network (eg CD common network, financial common network), and the financial system 340 is configured in the financial system An interface module corresponding to a middleware platform that provides inter-element interfacing, and predetermined information (eg, ledger information, and / or customer information, and / or information required for each function in a component in the financial system); and / Or a DBMS (DataBase Management System) including at least one database for storing and managing management information.

In addition, the financial system 340 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 340 and the purpose of the financial system 340. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 340, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the financial system 340 is linked to the payment processing server 300 through the interface means for payment processing according to the present invention, the external system provided in the financial system 340 is the payment It is preferable that a predetermined financial settlement unit interworking with the processing server 300 is provided.

According to the implementation method of the present invention, the financial settlement unit checks whether the amount corresponding to the payment amount requested from the payment merchant is deposited in the financial account corresponding to the customer account information in connection with the payment processing server 300 and (E.g., confirming that a sufficient amount for payment processing of the payment amount is deposited), and returning the result to the payment processing server 300 is preferable.

According to an exemplary embodiment of the present invention, when an amount corresponding to a payment amount requested from the payment affiliate store is deposited in a financial account corresponding to the customer account information (for example, a sufficient amount to process the payment amount) Is deposited), the financial settlement unit when the amount corresponding to the payment amount of money deposited in the financial account in connection with the payment processing server 300 is transferred to the financial account corresponding to the payment merchant; It is preferable to set a lock so as not to be withdrawn by another financial transaction request until, and when the payment is finally approved, the lock is released, and from the financial account corresponding to the customer account information to the payment amount It is preferable to withdraw the corresponding amount and transfer it to the financial account corresponding to the payment merchant.

According to another embodiment of the present invention, when the amount corresponding to the payment amount requested from the payment merchant is deposited in the financial account corresponding to the customer account information (for example, sufficient to process the payment amount) If the amount is deposited, the financial settlement unit in connection with the payment processing server 300 a predetermined temporary account (e.g. Escrow account) of the amount corresponding to the payment amount of the amount deposited in the financial account Account), and when the payment is finally approved, it is preferable to withdraw the amount deposited in the temporary account and transfer it to the financial account corresponding to the payment merchant.

Referring to FIG. 3, the payment processing server 300 receives a wireless message (eg, a short message or a multimedia message) transmitted from at least one or more wireless terminals through a predetermined wireless communication network, and / or the wireless terminal. And a wireless interface unit 315 for transmitting a predetermined wireless message.

According to an embodiment of the present invention, the wireless communication network preferably comprises a CDMA stack-based mobile communication network, and may include the IEEE 802.16x-based portable Internet according to the intention of those skilled in the art.

Those skilled in the art will appreciate how the wireless interface unit 315 can transmit and receive at least one wireless message with at least one wireless terminal through a predetermined wireless communication network. Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the air interface unit 315 supports a WAP / ME / HTTP based wireless Internet protocol for post-approval (or authentication) of payment processing according to the present invention through the wireless terminal. Preferably, the wireless terminal receives a wireless message including a predetermined callback URL (CallbackURL), and accesses the payment processing server 300 to process post payment approval through the customer authentication information. Can be.

According to the present invention, the payment processing server 300 is provided with an information receiving unit 320 for receiving a wireless message transmitted including the at least one payment request information from the wireless terminal through the air interface unit 315. Characterized in that made.

According to the present invention, the payment processing server 300, in the process of receiving at least one or more wireless messages through the information receiving unit 320, information confirmation unit 330 for confirming the wireless terminal number included in the wireless message It characterized by comprising a.

Those skilled in the art to which the present invention pertains, since the information check unit 330 will be familiar with the method of confirming the wireless terminal number included in the wireless message in the process of receiving a wireless message, Detailed description thereof will be omitted for convenience.

In addition, the information confirming unit 330 extracts at least one or more payment processing target information stored in association with the customer wireless terminal 345 number from the storage medium 130 after the wireless terminal number is confirmed. The payment processing target information may include at least one or more payment merchant information, payment amount information, and payment target information registered by the customer.

According to the exemplary embodiment of the present invention, the payment merchant information included in the payment processing target information stored in the storage medium 130 may be processed in association with predetermined identification information represented by predetermined letters, numbers, and symbols. In this case, the payment processing request information preferably corresponds to identification information assigned to the payment affiliated store information.

When the wireless message including the payment processing request information is received through the information receiving unit 320, the information checking unit 330 and the confirmed customer wireless terminal 345 number based on the identification information; By searching the associated payment processing target information, it is checked whether a payment affiliate corresponding to the payment processing request information is included in the payment processing target information associated with the confirmed customer wireless terminal 345 number.

For example, when the payment merchant is "ABC Academy" and the identification information associated with the payment merchant information is "ABC", the wireless message including the payment processing request information includes the "ABC" in the message body In this case, the information confirming unit 330 searches for payment processing target information associated with the customer wireless terminal 345 number through the "ABC" included in the message, thereby identifying the matching with the "ABC". It is checked whether the "ABC school" including the information is included in the payment processing target information associated with the customer wireless terminal 345 number.

If the payment affiliate corresponding to the payment processing request information included in the wireless message is included in the payment processing target information associated with the customer wireless terminal 345 number, the information checking unit 330 is the payment processing target Confirm as a valid payment processing target for the customer wireless terminal 345, and further confirms payment amount information and payment target information corresponding to the payment merchant information from the payment processing target information.

According to the exemplary embodiment of the present invention, the payment merchant information included in the payment processing target information stored in the storage medium 130 may be processed in association with at least two or more payment amount information and payment target information, and the payment amount information and payment Preferably, the target information is processed in association with predetermined identification information represented by a predetermined character, a number, and a symbol. In this case, the payment processing request information includes identification information assigned to the payment affiliated store, payment amount information, and payment target. It is preferable to include identification information assigned to the information.

At this time, the payment processing request information is a predetermined identifier (for example, "*", "#", etc.) to distinguish the identification information assigned to the payment merchant and the identification information assigned to the payment information and payment target information. Symbol, or a comma (","), or a space ("", etc.) may be further included.

When the wireless message including the payment processing request information is received through the information receiving unit 320, the information checking unit 330 is the confirmed customer wireless based on the payment identification information included in the wireless message. By searching the payment processing target information associated with the terminal 345 number, it is checked whether the payment merchant corresponding to the payment processing request information is included in the payment processing target information associated with the confirmed customer wireless terminal 345 number. .

For example, in the state where the payment merchant is "ABC school" and the identification information associated with the payment merchant information is "ABC", the identification information associated with the payment target information corresponding to the English course is "eng", If the identification information associated with the payment target information corresponding to the course is "kor" and the identifier between the identification information is ",", the wireless message including the payment processing request information is displayed in the message body. , kor "or" ABC, eng ", and the like, in which case the information checking unit 330 is associated with the customer wireless terminal 345 number through" ABC "included in the message. By searching the information, it is checked whether the "ABC school" including identification information matching the "ABC" is included in the payment processing target information associated with the customer wireless terminal 345 number, and the "ABC school" is The customer wireless terminal (345) number When included in the payment processing target information processed in conjunction with, the information verification unit 330 checks whether the payment target matching the "eng" or "kor" of the payment target of the "ABC Academy".

If the payment merchant and the payment target corresponding to the payment processing request information included in the wireless message are included in the payment processing target information associated with the customer wireless terminal 345 number, the information checking unit 330 is the The wireless message is recognized as a valid wireless message including valid payment processing request information according to the present invention.

According to an embodiment of the present invention, the payment processing request information is predetermined payment amount information (for example, payment processing request in the form of a number separated through a predetermined separator) corresponding to the payment merchant and / or payment target information. Information may be included), whereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the payment merchant information and the payment target information included in the payment processing target information stored in the storage medium 130 correspond to the numbers "0 to 9", the "*" sign and / or When identification information including at least one "#" code is assigned, the payment processing request information may be included in the caller's telephone number of the wireless message, thereby not limiting the present invention.

According to another embodiment of the present invention, the wireless message may be received further including predetermined authentication information for authenticating payment processing according to the present invention, in which case the information checking unit 330 (or the information processing unit). Extracts the stored customer authentication information from the storage medium 130 in association with the customer wireless terminal 345 number, compares the extracted customer authentication information with the received authentication information, and authenticates the payment to the payment process. It is characterized by checking the validity.

According to the present invention, when the payment processing server 300 confirms that the valid payment processing request information is received through the wireless message through the information checking unit 330, the customer wireless from the storage medium 130 Extracting the customer account information stored in association with the terminal 345 number, and also in response to the payment processing request information, payment merchant information, payment amount information and payment target information to be used for payment processing according to the present invention, and / or After extracting payment target information and payment amount information, the customer account information, payment merchant information, and payment amount information are provided to the approval processing unit 310 and / or payment processing unit 305 provided in the payment processing server 300. Characterized in that it comprises an information processing unit 325, thereby processing to perform the payment processing according to the present invention.

In this case, the payment merchant information to be used for the payment processing is information capable of payment processing through the customer account information stored in the storage medium 130, and preferably includes account information corresponding to the payment merchant. Do.

According to the present invention, the payment processing server 300 is based on the customer account information and the payment amount information (or payment amount information extracted from the payment processing target information) to the financial system 340 to the payment processing; Characterized in that it comprises a temporary approval processing unit 310 for requesting approval for the authorization.

The approval processing unit 310 provides the customer account information and the payment amount information to the financial system 340 (eg, the financial settlement unit) through a predetermined interface means, thereby providing a financial account corresponding to the customer account information. Characterized in that the customer account confirmation process for confirming whether a sufficient amount for payment processing the payment amount information is deposited.

If as a result of performing the customer account verification process, a sufficient amount for depositing the payment amount information is deposited in the financial account corresponding to the customer account information, the approval processing unit 310 is the financial system In operation 340, for example, a financial account corresponding to the customer account information, the financial account corresponding to the customer account information performs a customer account lock process for setting a lock so that the amount corresponding to the payment amount is not withdrawn by another financial transaction. It is characterized by.

According to another exemplary embodiment of the present invention, the approval approval processor 310 may process the customer account confirmation process and the customer account lock process in association with the financial system 340 (eg, the financial settlement unit). The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when an escrow function is provided in the financial system 340 (for example, the financial settlement unit), the approval system 310 performs the financial system 340 ( For example, in the financial account corresponding to the customer account information in connection with the financial settlement unit, a customer account lock process for setting a lock to prevent the amount corresponding to the payment amount from being withdrawn by another financial transaction may be omitted. The present invention is not limited by this.

In particular, when the customer account lockout process is omitted, the customer account confirmation process may be performed by the payment processing unit 305 provided in the payment processing server 300, and the present invention is not limited thereto.

According to the present invention, when the payment processing according to the present invention is finally approved, the payment processing server 300 is based on the customer account information, payment merchant information and payment amount information based on the financial system 340 (eg, financial The amount corresponding to the payment amount is withdrawn from the financial account corresponding to the customer account information (and / or the escrow function is provided in the financial system 340) in connection with the payment account). It is characterized in that it comprises a payment processing unit 305 for depositing a payment amount) to be deposited in a financial account corresponding to the payment merchant.

In addition, the payment processing unit 305 after the payment processing is completed through the financial system 340, characterized in that for generating a predetermined payment approval history corresponding to the payment processing, wherein the payment approval details Preferably, the wireless message is provided to the wireless terminal.

In addition, if the final confirmation for a predetermined time after the customer account confirmation process (and / or customer account lock process) is performed, the payment processing unit 305 is the payment processing (eg, customer account confirmation and / or customer It is characterized in that the payment approval details corresponding to the account lock) is generated, wherein the payment approval details are provided to the wireless terminal through the wireless message.

In addition, in the process of confirming the customer account, if a sufficient amount for payment processing of the payment amount is not deposited in the financial account corresponding to the customer account information, the payment processing unit 305 performs the payment. And generate payment approval details corresponding to the processing (eg, customer account deposit assistance), wherein the payment approval details are preferably provided to the wireless terminal via the wireless message.

According to the present invention, the payment processing server 300 is characterized by comprising an information transmission unit 335 for providing the payment approval details to at least one customer communication means, wherein the customer communication means is a wireless terminal, And / or at least one customer owned email address.

In addition, the information transmission unit 335 is characterized in that to provide the payment approval details to the merchant (or payment processing target) communication means corresponding to the payment merchant, wherein the merchant (or payment processing target) communication means The merchant includes at least one predetermined merchant terminal, and / or a mobile communication terminal of an affiliated store representative (or employee), and / or an email address of the affiliated store representative (or employee).

4 is a diagram illustrating a process of providing customer account-based payment processing request information using a wireless message according to an embodiment of the present invention.

In more detail, Figure 4 is a wireless terminal on the payment processing system shown in Figure 3 by transmitting a predetermined wireless message including the payment processing request information according to the present invention, the wireless terminal in the payment processing server 300 Receiving payment processing request information for payment processing according to the present invention from the person of ordinary skill in the art to which the present invention pertains, referring to and / or modifying the Figure 4 and the wireless message Various implementation methods for receiving predetermined payment processing request information may be inferred, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the payment processing server 300 shown in FIG. 3 is referred to as a “server” for convenience.

Referring to FIG. 4, a wireless message including payment processing request information including at least one identification information allocated to payment processing target information stored in association with the wireless terminal number in the storage medium 130 in the wireless terminal. (400), and transmits the generated wireless message including the payment processing request information to the server 300 through the wireless communication network connected to the wireless terminal (405), the server 300 is the wireless The wireless terminal number is read by reading a wireless message received through a communication network (410), and the payment processing target information stored in association with the wireless terminal number from the storage medium 130 is checked (or extracted) (415). ).

If it is determined that the payment processing target information stored in association with the wireless terminal number from the storage medium 130 is not confirmed (420), the server 300 generates a predetermined payment error message to generate the wireless terminal number. Through the transmission to the wireless terminal (425), and ends the payment process according to the present invention.

On the other hand, if the payment processing target information stored in association with the wireless terminal number is confirmed from the storage medium 130 as a result of the check (420), the server 300 identifies the payment processing target information assigned from the wireless message. Extracting at least one payment processing request information matching the information (430), payment merchant information and / or payment target information included in the extracted payment processing request information and payment merchant information included in the payment processing target information; The identification information allocated to the payment target information is matched (435).

If the check result is that the payment processing request information does not match the payment processing target information (440), the server 300 generates a predetermined payment error message and transmits to the wireless terminal through the wireless terminal number ( 425), the payment process according to the present invention ends.

On the other hand, if the payment processing request information is matched with the payment processing target information as a result of the checking (440), the server 300 is the payment merchant information and payment corresponding to the payment processing target information confirmed from the storage medium 130 The amount of money information is extracted (445), and the customer account information stored in association with the radio terminal number is stored from the storage medium 130 (450).

According to another exemplary embodiment of the present invention, the payment amount information may be included in the payment processing request information and received from the wireless terminal, and thus the present invention is not limited thereto.

5 is a flowchart illustrating a payment processing process using a customer account according to an exemplary embodiment of the present invention.

In more detail, Figure 5 is a payment processing process through the customer account information, payment amount information and payment merchant information obtained the process shown in Figure 4, the person having ordinary knowledge in the technical field to which the present invention belongs If it is possible to infer various payment processing processes by referring to and / or modifying the drawing 5, the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in the drawing 5.

Hereinafter, in FIG. 5, the payment processing server 300 shown in FIG. 3 is referred to as a “server” for convenience.

Referring to FIG. 5, when the customer account information, the payment amount information, and the payment merchant information are obtained through the process illustrated in FIG. 4, the server 300 sends the customer account information and the payment amount information to the server 300. The payment amount through a deposit deposited in a financial account corresponding to the customer account (500) by transmitting to the financial system 340 associated with (or opening a financial account corresponding to the customer account information) (500). Check whether it is possible to process the payment (505).

If the check result indicates that the payment amount cannot be settled through the deposit deposited in the financial account corresponding to the customer account (510), the financial system 340 may not settle the settlement process to the server 300. Returning (515), and correspondingly, the server 300 generates a predetermined payment approval history including the result of the customer account deposit shortage error (520), and provides the payment approval details to the wireless terminal (525).

On the other hand, if the check result is able to process the payment amount through the deposit deposited in the financial account corresponding to the customer account (510), the financial system 340 is the payment processing result to the server 300 Return 530.

Figure 6 illustrates a payment approval process using a customer account according to an embodiment of the present invention.

In more detail, Figure 6 shows that the payment process through the deposit deposited in the financial account corresponding to the customer account from the financial system 340 through the process shown in Figure 5 is possible, the wireless terminal Through the process of final approval of the payment through, and those skilled in the art to which the present invention pertains, various inferences of various implementation methods for the final approval of the payment process by referring to and / or modified in this figure 6 It should be noted that the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 6 illustrates a final approval of the payment process through an approval method, and a person skilled in the art to which the present invention pertains may refer to and / or modify this FIG. It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

Hereinafter, in FIG. 6, the payment processing server 300 shown in FIG. 3 is referred to as a “server” for convenience.

Referring to FIG. 6, when it is confirmed through the process shown in FIG. 5 that payment processing through a deposit deposited in a financial account corresponding to the customer account is possible, the server 300 Requests the financial system 340 to lock the financial account corresponding to the customer account information through the customer account information and the payment amount information (600), and the financial system 340 corresponds to the customer account. The process of locking the customer financial account is performed through the information and the payment amount information (605).

According to another exemplary embodiment of the present invention, when the financial system 340 provides an escrow function, an amount corresponding to the settlement amount is withdrawn from the customer financial account through an escrow function instead of the customer account lock. It is also possible to transfer to a temporary account (e.g., an escrow account), and the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the customer deposit confirmation process and the customer financial account locking process (or escrow processing process) shown in FIG. 5 may be performed in one batch, and the present invention is not limited thereto.

Thereafter, the server 300 generates a wireless message including a predetermined callback UL and requests predetermined authentication information to the wireless terminal (610). In response, the wireless terminal transmits the server through the callback rate AL. Access 300, and provide predetermined authentication information for approving (or authenticating) the payment process.

If it is confirmed that the requested authentication information is provided from the wireless terminal (615), the server 300 extracts the stored customer authentication information stored in association with the wireless terminal number from the storage medium 130 (620) By comparing and authenticating the authentication information confirmed from the wireless terminal and the extracted customer authentication information, it is checked whether the payment process is approved (625).

If the payment process is not approved (630), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment processing is approved (630), the server 300 provides the financial system 340 with the customer account information, payment amount information and the payment merchant information (e.g., account information corresponding to the payment merchant). In response thereto, the financial system 340 releases the lock on the customer financial account through the customer account information, and withdraws an amount corresponding to the payment amount from the customer financial account. After depositing to the financial account corresponding to (640), the account transfer result is returned to the server 300 (645).

Thereafter, the server 300 generates a predetermined payment approval history including the payment processing result (650), and outputs the payment approval details to the wireless terminal (655).

7 is a diagram illustrating a process of providing customer account-based payment processing request information using a wireless message according to another embodiment of the present invention.

In more detail, FIG. 7 illustrates that the wireless terminal on the payment processing system shown in FIG. 3 transmits a predetermined wireless message including payment processing request information according to the present invention, thereby transmitting the wireless terminal from the payment processing server 300. Receiving payment processing request information for payment processing according to the present invention from the person of ordinary skill in the art to which the present invention belongs, the reference to and / or modifying the present Figure 7 to the wireless message Various implementation methods for receiving predetermined payment processing request information may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the payment processing server 300 shown in FIG. 3 is referred to as a “server” for convenience.

Referring to FIG. 7, a wireless message including payment processing request information including at least one identification information assigned to payment processing target information stored in association with the wireless terminal number in the storage medium 130 in the wireless terminal. (700), and transmits the generated wireless message including the payment processing request information to the server 300 through the wireless communication network connected to the wireless terminal (705), the server 300 is the wireless The wireless terminal number is read by reading a wireless message received through a communication network (710), and the payment processing target information stored in association with the wireless terminal number is stored (or extracted) from the storage medium 130 (715). ).

If it is determined that the payment processing target information stored in association with the wireless terminal number from the storage medium 130 is not confirmed (720), the server 300 generates a predetermined payment error message to generate the wireless terminal number. Through the transmission to the wireless terminal (725) and ends the payment process according to the present invention.

On the contrary, if the payment processing target information stored in association with the wireless terminal number is confirmed from the storage medium 130 (720), the server 300 identifies the payment information allocated to the payment processing target information from the wireless message. Extracting at least one payment processing request information that matches the information (730), payment merchant information and / or payment target information included in the extracted payment processing request information and payment merchant information included in the payment processing target information; And / or check whether the identification information assigned to the payment target information is matched (735).

If the payment result request information does not match with the payment processing target information (740), the server v generates a predetermined payment error message and transmits a predetermined payment error message to the wireless terminal through the wireless terminal number (725). Then, the payment process according to the present invention ends.

On the other hand, if the payment processing request information is matched with the payment processing target information (740), the server 300 performs a payment processing process corresponding to the payment processing request information.

8 illustrates a payment approval process using a customer account according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates a process of finally approving the payment through the wireless terminal when the payment processing request information is obtained through the process illustrated in FIG. 7. Those skilled in the art will be able to infer various implementation methods for final approval of the payment process by referring to and / or modifying this drawing, but the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown.

For example, FIG. 8 illustrates a final approval of the payment process through an approval method, and a person skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to escrow. It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

Hereinafter, in FIG. 8, the payment processing server 300 shown in FIG. 3 is referred to as a “server” for convenience.

Referring to FIG. 8, when the payment processing request information is obtained through the process illustrated in FIG. 7, the server 300 may provide payment merchant information and payment amount information available for the payment processing from the storage medium 130. The method extracts 800 from the storage medium 130 and extracts the stored customer account information associated with the wireless terminal number from the storage medium 130 (805).

Thereafter, the server 300 generates a wireless message including a predetermined callback UL and requests predetermined authentication information to the wireless terminal (810). In response, the wireless terminal transmits the server through the callback rate AL. Access 300, and provide predetermined authentication information for approving (or authenticating) the payment process.

If it is determined that the requested authentication information is provided from the wireless terminal (815), the server 300 extracts stored customer authentication information stored in association with the wireless terminal number from the storage medium 130 (820). By comparing and authenticating the authentication information confirmed from the wireless terminal and the extracted customer authentication information, it is checked whether the payment processing is approved (825).

If the payment process is not approved (830), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment processing is approved (830), the server 300 provides the customer account information, payment amount information and the payment merchant information (for example, account information corresponding to the payment merchant) to the financial system 340. In operation 835, the financial system 340 releases the lock on the customer financial account through the customer account information, and withdraws an amount corresponding to the payment amount from the customer financial account. After depositing to the financial account corresponding to (840), the account transfer result is returned to the server 300 (845).

Thereafter, the server 300 generates a predetermined payment approval history including the payment processing result (850), and outputs the payment approval details to the wireless terminal (855).

9 is a diagram showing a wireless message-based payment system according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates a predetermined wireless terminal when the storage medium 130 is stored in association with the customer wireless terminal 345 number, credit card information, and payment processing target information for payment processing according to the present invention. As a method for implementing a payment system for performing a payment process according to the present invention, those skilled in the art to which the present invention pertains, refer to and / or modify the drawing 9 to the storage medium 130 Although the present invention can infer various implementation methods for a payment system corresponding to a case where the customer wireless terminal 345 number, credit card information, and payment processing target information are stored in association with each other according to the present invention. It includes all the inferred method of implementation, whereby the present invention is not limited.

For example, in FIG. 9, the payment processing server 300 for processing payment according to the present invention is illustrated as one server, but the payment processing server 300 may be separated into at least two or more servers. This is not limited.

Referring to FIG. 9, the payment processing server 300 receives a wireless message (eg, a short message or a multimedia message) transmitted from at least one or more wireless terminals through a predetermined wireless communication network, and / or the wireless terminal. And a wireless interface unit 315 for transmitting a predetermined wireless message.

According to an embodiment of the present invention, the wireless communication network preferably comprises a CDMA stack-based mobile communication network, and may include the IEEE 802.16x-based portable Internet according to the intention of those skilled in the art.

Those skilled in the art will appreciate how the wireless interface unit 315 can transmit and receive at least one wireless message with at least one wireless terminal through a predetermined wireless communication network. Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the air interface unit 315 supports a WAP / ME / HTTP based wireless Internet protocol for post-approval (or authentication) of payment processing according to the present invention through the wireless terminal. Preferably, the wireless terminal receives a wireless message including a predetermined callback URL (CallbackURL), and accesses the payment processing server 300 to process post payment approval through the customer authentication information. Can be.

According to the present invention, the payment processing server 300 is provided with an information receiving unit 320 for receiving a wireless message transmitted including the at least one payment request information from the wireless terminal through the air interface unit 315. Characterized in that made.

According to the present invention, the payment processing server 300 in the process of receiving at least one or more wireless messages through the information receiving unit 320, the information confirmation unit 330 for confirming the wireless terminal number included in the wireless message It characterized by comprising a.

Those skilled in the art to which the present invention pertains, since the information check unit 330 will be familiar with the method of confirming the wireless terminal number included in the wireless message in the process of receiving a wireless message, Detailed description thereof will be omitted for convenience.

In addition, the information confirming unit 330 extracts at least one or more payment processing target information stored in association with the customer wireless terminal 345 number from the storage medium 130 after the wireless terminal number is confirmed. The payment processing target information may include at least one or more payment merchant information, payment amount information, and payment target information registered by the customer.

According to the exemplary embodiment of the present invention, the payment merchant information included in the payment processing target information stored in the storage medium 130 may be processed in association with predetermined identification information represented by predetermined letters, numbers, and symbols. In this case, the payment processing request information preferably corresponds to identification information assigned to the payment affiliated store information.

When the wireless message including the payment processing request information is received through the information receiving unit 320, the information checking unit 330 and the confirmed customer wireless terminal 345 number based on the identification information; By searching the associated payment processing target information, it is checked whether a payment affiliate corresponding to the payment processing request information is included in the payment processing target information associated with the confirmed customer wireless terminal 345 number.

For example, when the payment merchant is "ABC Academy" and the identification information associated with the payment merchant information is "ABC", the wireless message including the payment processing request information includes the "ABC" in the message body In this case, the information confirming unit 330 searches for payment processing target information associated with the customer wireless terminal 345 number through the "ABC" included in the message, thereby identifying the matching with the "ABC". It is checked whether the "ABC school" including the information is included in the payment processing target information associated with the customer wireless terminal 345 number.

If the payment affiliate corresponding to the payment processing request information included in the wireless message is included in the payment processing target information associated with the customer wireless terminal 345 number, the information checking unit 330 is the payment processing target Confirm as a valid payment processing target for the customer wireless terminal 345, and further confirms payment amount information and payment target information corresponding to the payment merchant information from the payment processing target information.

According to the exemplary embodiment of the present invention, the payment merchant information included in the payment processing target information stored in the storage medium 130 may be processed in association with at least two or more payment amount information and payment target information, and the payment amount information and payment The target information is preferably processed in association with predetermined identification information represented by predetermined letters, numbers, and symbols. In this case, the payment processing request information may include identification information assigned to the payment affiliated store, payment amount information, and payment target information. It is preferable to include the identification information assigned to the.

At this time, the payment processing request information is a predetermined identifier (for example, "*", "#", etc.) to distinguish the identification information assigned to the payment merchant and the identification information assigned to the payment information and payment target information. Symbol, or a comma (","), or a space (""), etc. may be further included.

When the wireless message including the payment processing request information is received through the information receiving unit 320, the information checking unit 330 is the confirmed customer wireless based on the payment identification information included in the wireless message. By checking the payment processing target information associated with the terminal 345 number, check whether the payment affiliate corresponding to the payment processing request information is included in the payment processing target information associated with the confirmed customer wireless terminal 345 number. do.

For example, in the state where the payment merchant is "ABC school" and the identification information associated with the payment merchant information is "ABC", the identification information associated with the payment target information corresponding to the English course is "eng", When the identification information associated with the payment target information corresponding to the course is "kor" and the identifier between the identification information is ",", the wireless message including the payment processing request information is displayed in the message body. kor "or" ABC, eng "and the like, and in this case, the information checking unit 330 receives payment processing target information associated with the customer wireless terminal 345 number through" ABC "included in the message. Search for "ABC school" including identification information matching the "ABC" is included in the payment processing information associated with the customer wireless terminal 345 number, the "ABC school" is Customer wireless terminal (345) number Where it included in the association process payment processing object information, the information check unit 330 to verify that it contains the billing destination that matches with the "ABC Academy" payment target of "eng" or "kor" of.

If the payment merchant and the payment target corresponding to the payment processing request information included in the wireless message are included in the payment processing target information associated with the customer wireless terminal 345 number, the information checking unit 330 is the The wireless message is recognized as a valid wireless message including valid payment processing request information according to the present invention.

According to an embodiment of the present invention, the payment processing request information is predetermined payment amount information (for example, payment processing request in the form of a number separated through a predetermined separator) corresponding to the payment merchant and / or payment target information. Information may be included), whereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the payment merchant information and the payment target information included in the payment processing target information stored in the storage medium 130 correspond to "0-9", the "*" sign and / or When identification information including at least one "#" code is assigned, the payment processing request information may be included in the caller's telephone number of the wireless message, thereby not limiting the present invention.

According to another embodiment of the present invention, the wireless message may be received further including predetermined authentication information for authenticating the payment process according to the present invention, in which case the information checking unit 330 (or the information processing unit ( 325) extracts customer authentication information stored in association with the customer wireless terminal 345 number from the storage medium 130 and compares and authenticates the extracted customer authentication information with the received authentication information. It is characterized by checking the validity of the payment processing.

According to the present invention, when the payment processing server 300 confirms that the valid payment processing request information is received through the wireless message through the information checking unit 330, the customer wireless from the storage medium 130 Extracting the customer account information stored in association with the terminal 345 number, and also in response to the payment processing request information, payment merchant information, payment amount information and payment target information to be used for payment processing according to the present invention, and / or After extracting payment target information and payment amount information, the credit card information, payment merchant information and payment amount information are provided to the authorization processing unit 310 and / or payment processing unit 305 provided in the payment processing server 300. Characterized in that it comprises an information processing unit 325, thereby processing to perform the payment processing according to the present invention.

Here, the payment merchant information required for the payment processing is information capable of payment processing through the credit card information stored in the storage medium 130, preferably in the payment terminal information (or payment terminal provided in the payment merchant) Corresponding terminal information).

According to the present invention, the payment processing server 300 is the payment to the credit settlement server based on the credit card information and the payment amount information extracted from the storage medium 130 through the information verification unit 330 Characterized in that it comprises a temporary approval processing unit 310 for requesting approval for the processing.

The approval processing unit 310 provides the credit card information and the payment amount information to the credit settlement server through a predetermined interface means, thereby confirming whether the payment amount can be processed through the credit card. Characterized in that the process of checking the payment approval possibility.

According to an exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 345 number is a credit card, the approval processing unit 310 sends the credit card information and the payment amount information to the credit settlement server. By providing a, characterized in that for performing the credit card payment approval possibility confirmation process for confirming that the credit payment processing within the credit card limit amount range.

If it is possible to process the payment amount through the credit card payment as a result of performing the credit card payment approval confirmation process, the authorization processing unit 310 is linked with the credit payment server to pay the credit card Characterized in that the approval.

According to an exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 345 number is a credit card, the authorization processing unit 310 is an amount corresponding to the payment amount in connection with the credit settlement server. It is characterized in that the credit payment lock process is performed so that payment is not processed by the other credit request.

According to another exemplary embodiment of the present invention, the approval processing unit 310 may process a credit card payment approval possibility confirmation process and a card payment lock process in association with the credit settlement server, thereby allowing the present invention to be processed. It is not limited.

According to the present invention, if the payment processing server 300 is finally approved (for example, when the final approval through the customer wireless terminal 345) according to the present invention, the credit in conjunction with the credit payment server And a payment processing unit 305 for final payment approval processing of the amount corresponding to the payment amount through the card, and generating a predetermined payment approval history corresponding to the payment processing.

In addition, after the credit card payment approval possibility confirmation process (and / or card payment lock process) is performed, if not finally approved for a certain time, the payment processing unit 305 is the payment processing (for example, the card payment confirmation and And / or payment approval details corresponding to the card payment lock).

In addition, when the credit card payment error occurs in the process of confirming the credit card payment approval possibility, the payment processing unit 305 may generate a payment approval history corresponding to the payment processing.

According to the invention, the payment processing server 300 is characterized in that it comprises an information transmission unit 335 for providing the payment approval details to at least one or more customer communication means, wherein the customer communication means is a wireless message ( For example, a short message or a multimedia message) includes a customer-owned mobile communication terminal capable of receiving and / or at least one or more customer owned e-mail address.

In addition, the information transmission unit 335 is characterized in that to provide the payment approval details to the merchant (or payment processing target) communication means corresponding to the payment merchant, wherein the merchant (or payment processing target) communication means The merchant includes at least one predetermined merchant terminal, and / or a mobile communication terminal of an affiliated store representative (or employee), and / or an email address of the affiliated store representative (or employee).

10 is a diagram illustrating a credit card based payment processing request information providing process using a wireless message according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates that the wireless terminal on the payment processing system shown in FIG. 9 transmits a predetermined wireless message including payment processing request information according to the present invention, thereby transmitting the wireless terminal from the payment processing server 300. Receiving payment processing request information for payment processing according to the present invention from the person of ordinary skill in the art to which the present invention belongs, the reference to and / or modifying the present Figure 10 to modify the wireless message Various implementation methods for receiving predetermined payment processing request information may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the payment processing server 300 shown in FIG. 9 is referred to as "server" for convenience.

Referring to FIG. 10, a wireless message including payment processing request information including at least one identification information assigned to payment processing target information stored in association with the wireless terminal number in the storage medium 130 in the wireless terminal. In operation 1000, if the wireless message including the payment processing request information is transmitted to the server 300 through a wireless communication network to which the wireless terminal is connected, the server 300 transmits the wireless message to the server 300. The wireless terminal number is read by reading a wireless message received through a communication network (1010), and the payment processing target information stored in association with the wireless terminal number from the storage medium 130 is stored (or extracted) (1015). ).

If it is determined that the payment processing target information stored in association with the wireless terminal number from the storage medium 130 is not confirmed (1020), the server 300 generates a predetermined payment error message to generate the wireless terminal number. Through the transmission to the wireless terminal (1025), and ends the payment process according to the present invention.

On the other hand, if the check result of the payment processing target information stored in association with the wireless terminal number from the storage medium 130 is confirmed (1020), the server 300 is identified from the wireless message is assigned to the payment processing target information Extracting at least one payment processing request information matched with the information (1030), payment merchant information and / or payment target information included in the extracted payment processing request information, payment merchant information included in the payment processing target information, and And / or checks whether identification information allocated to payment target information matches (1035).

If the payment result request information does not match the payment processing target information (1040), the server 300 generates a predetermined payment error message and transmits a predetermined payment error message to the wireless terminal through the wireless terminal number ( 1025), the payment process according to the present invention ends.

On the contrary, if the payment processing request information is matched with the payment processing target information (1040), the server 300 determines payment merchant information and payment corresponding to the payment processing target information identified from the storage medium 130. The amount information is extracted (1045), and the credit card information stored in association with the wireless terminal number is extracted from the storage medium 130 (1050).

According to another exemplary embodiment of the present invention, the payment amount information may be included in the payment processing request information and received from the wireless terminal, and thus the present invention is not limited thereto.

11 illustrates a payment processing process using a credit card according to an embodiment of the present invention.

In more detail, Figure 11 is a payment processing process through the credit card information, payment amount information and payment merchant information obtained the process shown in Figure 10, the person of ordinary skill in the art to which the present invention belongs If it is possible to infer various payment processing procedures by referring to and / or modifying the drawing 11, the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in this drawing.

Hereinafter, in FIG. 11, the payment processing server 300 shown in FIG. 9 is referred to as "server" for convenience.

Referring to FIG. 11, when credit card information, payment amount information, and payment merchant information are obtained through the process illustrated in FIG. 10, the server 300 stores the credit card information and the payment amount information in the server 300. By transmitting to the credit settlement server associated with (1100), it is checked whether it is possible to process the payment amount through the inquiry of the limit amount corresponding to the credit card (1105).

If the check result is unable to process the payment amount through the credit card payment (1110), the credit settlement server returns a result of the payment processing impossible to the server (1115), and correspondingly the server 300 Generates a predetermined payment approval history including a credit card payment error result (1120), and provides the payment approval details to the wireless terminal (1125).

On the other hand, if the check result is able to process the payment amount through the credit card payment (1110), the credit settlement server returns a possible payment processing result to the server (300) (1130).

12 illustrates a payment approval process using a credit card according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates a process of finally approving the payment through the wireless terminal after confirming that payment processing through the credit card is possible from the credit settlement server through the process shown in FIG. Persons having ordinary skill in the art to which the present invention pertains may be able to infer various implementation methods for final approval of the payment processing by referring to and / or modifying the drawing 12, but the present invention may be inferred from the above-described implementation. It includes all methods, and is not limited to the embodiment shown in FIG.

For example, this drawing 12 is described as a final approval of the payment processing through the approval method, if those skilled in the art to which the present invention belongs, reference to and / or modified this drawing 12 escrow It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

In the following figure 12, the payment processing server 300 shown in FIG. 9 is referred to as " server " for convenience.

Referring to FIG. 12, when it is confirmed that payment processing through the credit card payment is possible from the credit settlement server through the process illustrated in FIG. 11, the server 300 sends the credit card information to the credit settlement server. Request for approval of the credit card payment through payment amount information (1200), and correspondingly, the credit settlement server corresponds to the payment amount of the credit card limit amount through the credit card information and payment amount information. The authorization processing is performed so that the amount is not authorized by another credit card payment request (1205).

According to another exemplary embodiment of the present invention, when the financial system 340 associated with the check card provides an escrow function, the credit card corresponds to the payment amount from the customer financial account through an escrow function instead of the credit card lock. The money may be withdrawn and transferred to a predetermined temporary account (for example, an escrow account), whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the customer deposit confirmation process and the customer financial account locking process (or escrow processing process) shown in FIG. 11 may be performed at once, and the present invention is not limited thereto.

Thereafter, the server 300 generates a wireless message including a predetermined callback UL and requests predetermined authentication information to the wireless terminal (1210). In response, the wireless terminal transmits the server through the callback rate AL. Access 300, and provide predetermined authentication information for approving (or authenticating) the payment process.

If it is confirmed that the requested authentication information is provided from the wireless terminal (1215), the server 300 extracts the stored customer authentication information stored in association with the wireless terminal number from the storage medium 130 (1220). By comparing and authenticating the authentication information confirmed from the wireless terminal and the extracted customer authentication information, it is checked whether the payment process is approved (1225).

If the payment process is not approved (1230), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment processing is approved (1230), the server 300 provides the credit card information, payment amount information and the payment merchant information to the credit payment server (1235), and correspondingly the financial system 340 ) After the credit card payment for the payment amount is approved through the credit card information (1240), and returns the credit card payment results to the server 300 (1245).

Thereafter, the server 300 generates a predetermined payment approval history including the credit card payment processing result (1250), and outputs the payment approval details to the wireless terminal (1255).

13 is a diagram illustrating a credit card based payment processing request information providing process using a wireless message according to another embodiment of the present invention.

In more detail, FIG. 13 illustrates that the wireless terminal on the payment processing system illustrated in FIG. 9 transmits a predetermined wireless message including payment processing request information according to the present invention, thereby transmitting the wireless terminal from the payment processing server 300. Receiving payment processing request information for payment processing according to the present invention from the person of ordinary skill in the art to which the present invention pertains, referring to and / or modified in this figure 13 to the wireless message Various implementation methods for receiving predetermined payment processing request information may be inferred, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the payment processing server 300 shown in FIG. 9 is referred to as a “server” for convenience.

Referring to FIG. 13, the wireless terminal includes payment processing request information including at least one or more identification information assigned to the payment processing target information stored in association with the wireless terminal number in the storage medium 130. When a message is generated (1300), and the wireless message generated including the payment processing request information is transmitted to the server 300 through a wireless communication network connected to the wireless terminal (1305), the server 300 is The wireless terminal number is checked by reading a wireless message received through a wireless communication network (1310), and the payment processing target information stored in association with the wireless terminal number from the storage medium 130 is stored (or extracted) ( 1315).

If it is determined that the payment processing target information stored in association with the wireless terminal number is not confirmed from the storage medium 130 (1320), the server 300 generates a predetermined payment error message to generate the wireless terminal number. Through the transmission to the wireless terminal (1325), and ends the payment process according to the present invention.

On the contrary, when the check result information stored in connection with the wireless terminal number is stored from the storage medium 130 in operation 1320, the server 300 identifies the information assigned to the payment processing target information from the wireless message. Extracting at least one payment processing request information matched with the information (1330), payment merchant information and / or payment target information included in the extracted payment processing request information, payment merchant information included in the payment processing target information, and And / or check whether the identification information allocated to the payment target information matches.

If the check result is that the payment processing request information does not match the payment processing target information (1340), the server 300 generates a predetermined payment error message and transmits to the wireless terminal through the wireless terminal number ( 1325), the payment process according to the present invention ends.

On the contrary, if the payment processing request information is matched with the payment processing target information (1340), the server 300 performs a payment processing process corresponding to the payment processing request information.

Figure 14 illustrates a payment approval process using a credit card according to another embodiment of the present invention.

More specifically, FIG. 14 illustrates a process of finally approving the payment through the wireless terminal when the payment processing request information is obtained through the process shown in FIG. 13, and is generally known in the art. Those skilled in the art will be able to infer various implementation methods for final approval of the payment process by referring to and / or modifying this drawing 14, but the present invention includes all of the inferred implementation methods, It is not limited to the implementation method shown.

For example, this drawing 14 is described as a final approval of the payment processing through the approval method, if those of ordinary skill in the art to which the present invention belongs, refer to and / or modified this drawing 14 escrow It will be possible to infer an implementation method for finally approving the payment process through the method, and the present invention includes an implementation method for finally approving the payment process through the escrow method.

In the following figure 14, the payment processing server 300 shown in FIG. 9 is referred to as a "server" for convenience.

Referring to FIG. 14, when the payment processing request information is obtained through the process illustrated in FIG. 13, the server extracts payment merchant information and payment amount information available for the payment processing from the storage medium 130. In operation 1405, the credit card information is stored and processed in association with the wireless terminal number from the storage medium 130 (1405).

Thereafter, the server generates a wireless message including a predetermined callback UL and requests predetermined authentication information to the wireless terminal (1410). In response, the wireless terminal transmits the server 300 through the callback rate AL. And provide predetermined authentication information for approving (or authenticating) the payment process.

If it is confirmed that the requested authentication information is provided from the wireless terminal (1415), the server 300 extracts the stored customer authentication information stored in association with the wireless terminal number from the storage medium 130 (1420). By comparing and authenticating the authentication information confirmed from the wireless terminal and the extracted customer authentication information, it is checked whether the payment processing is approved (1425).

If the payment process is not approved (1430), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment processing is approved (1430), the server 300 provides the credit card information, payment amount information and the payment merchant information to the credit payment server (1435), corresponding to the financial system 340 ) After the credit card payment for the payment amount is approved through the credit card information (1440), and returns the credit card payment results to the server 300 (1445).

Thereafter, the server 300 generates a predetermined payment approval history including the credit card payment processing result (1450), and outputs the payment approval details to the wireless terminal (1455).

15 is a diagram illustrating a wireless message-based payment system according to another embodiment of the present invention.

In more detail, FIG. 15 illustrates a predetermined wireless terminal when the storage medium 130 is stored in association with the customer wireless terminal 345 number, check card information, and payment processing target information for payment processing according to the present invention. As an implementation method for a payment system for performing a payment process according to the present invention, those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 15 to the storage medium 130 While the present invention can infer various implementation methods for a payment system corresponding to a case where a customer wireless terminal 345 number, check card information, and payment processing target information are stored in association with each other according to the present invention. It includes all the inferred method of implementation, whereby the present invention is not limited.

For example, in FIG. 15, the payment processing server 300 for processing a payment according to the present invention is illustrated as one server, but the payment processing server 300 may be separated into at least two or more servers. This is not limited.

According to FIG. 15, the payment system receives predetermined payment processing request information through a predetermined wireless message (eg, a terminal message or a multimedia message) from a predetermined wireless terminal, and checks stored in the storage medium 130. And a payment processing server 300 linked with a predetermined financial system 340 for processing a financial settlement using card information through a predetermined interface means.

The check payment server is characterized by comprising at least one check payment server and the financial system 340.

The financial system 340 is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. The account system for handling window services such as credit or reception or trust or foreign exchange occurring in the above branch (or window), the information system for processing the headquarters business, branch office information support and customer information management, and the financial system 340 ) And / or interconnection between at least one other financial system 340 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc.) to access the financial system 340, and / or Is characterized in that it comprises an external system that provides a variety of financial transaction interface through at least one common network (eg CD common network, financial common network), and the financial system 340 is configured in the financial system An interface module corresponding to a middleware platform that provides inter-element interfacing, and predetermined information (eg, ledger information, and / or customer information, and / or information required for each function in a component in the financial system); and / Or a DBMS (DataBase Management System) including at least one database for storing and managing management information.

In addition, the financial system 340 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 340 and the purpose of the financial system 340. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 340, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the financial system 340 is linked to the payment processing server 300 through the interface means for payment processing according to the present invention, the external system provided in the financial system 340 is the payment It is preferable that a predetermined check payment unit interworking with the processing server 300 is provided.

According to the implementation method of the present invention, the check payment unit checks whether the amount corresponding to the payment amount requested from the payment merchant in the financial account corresponding to the check card information in connection with the payment processing server 300 and (E.g., confirming that a sufficient amount for payment processing of the payment amount is deposited), and returning the result to the payment processing server 300 is preferable.

According to an exemplary embodiment of the present invention, when an amount corresponding to a payment amount requested from the payment affiliate store is deposited in a financial account corresponding to the check card information (for example, a sufficient amount to process the payment amount) Is deposited), the check payment unit when the amount corresponding to the payment amount of money deposited in the financial account in connection with the payment processing server 300 is transferred to the financial account corresponding to the payment merchant; It is preferable to set a lock so as not to be withdrawn by another financial transaction request until, and when the payment is finally approved, the lock is released and corresponding to the payment amount from the financial account corresponding to the check card information It is preferable to withdraw the amount to be transferred to a financial account corresponding to the payment merchant.

According to another exemplary embodiment of the present invention, when the amount corresponding to the payment amount requested from the payment merchant is deposited in the financial account corresponding to the check card information (for example, sufficient to process the payment amount) If the amount is deposited, the check payment unit in connection with the payment processing server 300, the amount corresponding to the payment amount of the amount deposited in the financial account (e.g. escrow account) Account), and when the payment is finally approved, it is preferable to withdraw the amount deposited in the temporary account and transfer it to the financial account corresponding to the payment merchant.

Referring to FIG. 13, the payment processing server 300 receives a wireless message (eg, a short message or a multimedia message) transmitted from at least one or more wireless terminals through a predetermined wireless communication network, and / or the wireless terminal. And a wireless interface unit 315 for transmitting a predetermined wireless message.

According to an embodiment of the present invention, the wireless communication network preferably comprises a CDMA stack-based mobile communication network, and may include the IEEE 802.16x-based portable Internet according to the intention of those skilled in the art.

Those skilled in the art will appreciate how the wireless interface unit 315 can transmit and receive at least one wireless message with at least one wireless terminal through a predetermined wireless communication network. Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the air interface unit 315 supports a WAP / ME / HTTP based wireless Internet protocol for post-approval (or authentication) of payment processing according to the present invention through the wireless terminal. Preferably, the wireless terminal receives a wireless message including a predetermined callback URL (CallbackURL), and accesses the payment processing server 300 to process post payment approval through the customer authentication information. Can be.

According to the present invention, the payment processing server 300 is provided with an information receiving unit 320 for receiving a wireless message transmitted including the at least one payment request information from the wireless terminal through the air interface unit 315. Characterized in that made.

According to the present invention, the payment processing server 300 in the process of receiving at least one or more wireless messages through the information receiving unit 320, the information confirmation unit 330 for confirming the wireless terminal number included in the wireless message It characterized by comprising a.

Those skilled in the art to which the present invention pertains, since the information check unit 330 will be familiar with the method of confirming the wireless terminal number included in the wireless message in the process of receiving a wireless message, Detailed description thereof will be omitted for convenience.

In addition, the information confirming unit 330 extracts at least one or more payment processing target information stored in association with the customer wireless terminal 345 number from the storage medium 130 after the wireless terminal number is confirmed. The payment processing target information may include at least one or more payment merchant information, payment amount information, and payment target information registered by the customer.

According to the exemplary embodiment of the present invention, the payment merchant information included in the payment processing target information stored in the storage medium 130 may be processed in association with predetermined identification information represented by predetermined letters, numbers, and symbols. In this case, the payment processing request information preferably corresponds to identification information assigned to the payment affiliated store information.

When the wireless message including the payment processing request information is received through the information receiving unit 320, the information checking unit 330 and the confirmed customer wireless terminal 345 number based on the identification information; By searching the associated payment processing target information, it is checked whether a payment affiliate corresponding to the payment processing request information is included in the payment processing target information associated with the confirmed customer wireless terminal 345 number.

For example, when the payment merchant is "ABC Academy" and the identification information associated with the payment merchant information is "ABC", the wireless message including the payment processing request information includes the "ABC" in the message body In this case, the information confirming unit 330 searches for payment processing target information associated with the customer wireless terminal 345 number through the "ABC" included in the message, thereby identifying the matching with the "ABC". It is checked whether the "ABC school" including the information is included in the payment processing target information associated with the customer wireless terminal 345 number.

If the payment affiliate corresponding to the payment processing request information included in the wireless message is included in the payment processing target information associated with the customer wireless terminal 345 number, the information checking unit 330 is the payment processing target Confirm as a valid payment processing target for the customer wireless terminal 345, and further confirms payment amount information and payment target information corresponding to the payment merchant information from the payment processing target information.

According to the exemplary embodiment of the present invention, the payment merchant information included in the payment processing target information stored in the storage medium 130 may be processed in association with at least two or more payment amount information and payment target information, and the payment amount information and payment The target information is preferably processed in association with predetermined identification information represented by predetermined letters, numbers, and symbols. In this case, the payment processing request information may include identification information assigned to the payment affiliated store, payment amount information, and payment target information. It is preferable to include the identification information assigned to the.

At this time, the payment processing request information is a predetermined identifier (for example, "*", "#", etc.) to distinguish the identification information assigned to the payment merchant and the identification information assigned to the payment information and payment target information. Symbol, or a comma (","), or a space ("", etc.) may be further included.

When the wireless message including the payment processing request information is received through the information receiving unit 320, the information checking unit 330 is the confirmed customer wireless based on the payment identification information included in the wireless message. By searching the payment processing target information associated with the terminal 345 number, it is checked whether the payment merchant corresponding to the payment processing request information is included in the payment processing target information associated with the confirmed customer wireless terminal 345 number. .

For example, in the state where the payment merchant is "ABC school" and the identification information associated with the payment merchant information is "ABC", the identification information associated with the payment target information corresponding to the English course is "eng", When the identification information associated with the payment target information corresponding to the course is "kor" and the identifier between the identification information is ",", the wireless message including the payment processing request information is displayed in the message body. kor "or" ABC, eng "and the like, and in this case, the information checking unit 330 receives payment processing target information associated with the customer wireless terminal 345 number through" ABC "included in the message. Search for "ABC school" including identification information matching the "ABC" is included in the payment processing information associated with the customer wireless terminal 345 number, the "ABC school" is Customer wireless terminal (345) number When included in the payment processing target information processed in conjunction with, the information verification unit 330 checks whether the payment target matching the "eng" or "kor" of the payment target of the "ABC Academy".

If the payment merchant and the payment target corresponding to the payment processing request information included in the wireless message are included in the payment processing target information associated with the customer wireless terminal 345 number, the information checking unit 330 is the The wireless message is recognized as a valid wireless message including valid payment processing request information according to the present invention.

According to an embodiment of the present invention, the payment processing request information is predetermined payment amount information (for example, payment processing request in the form of a number separated through a predetermined separator) corresponding to the payment merchant and / or payment target information. Information may be included), whereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the payment merchant information and the payment target information included in the payment processing target information stored in the storage medium 130 correspond to "0-9", the "*" sign and / or When identification information including at least one "#" code is assigned, the payment processing request information may be included in the caller's telephone number of the wireless message, thereby not limiting the present invention.

According to another embodiment of the present invention, the wireless message may be received further including predetermined authentication information for authenticating the payment process according to the present invention, in which case the information checking unit 330 (or the information processing unit ( 325) extracts customer authentication information stored in association with the customer wireless terminal 345 number from the storage medium 130 and compares and authenticates the extracted customer authentication information with the received authentication information. It is characterized by checking the validity of the payment processing.

According to the present invention, when the payment processing server 300 confirms that the valid payment processing request information is received through the wireless message through the information checking unit 330, the customer wireless from the storage medium 130 Extracting the customer account information stored in association with the terminal 345 number, and also in response to the payment processing request information, payment merchant information, payment amount information and payment target information to be used for payment processing according to the present invention, and / or After extracting the payment target information and the payment amount information, the check card information, payment merchant information and payment amount information to the approval processing unit 310 and / or payment processing unit 305 provided in the payment processing server 300 It is characterized in that it comprises an information processing unit 325 to provide, thereby processing to perform the payment processing according to the present invention.

Here, the payment merchant information necessary for the payment processing is information capable of payment processing through the check card information stored in the storage medium 130, preferably the payment merchant information (or payment terminal provided in the payment merchant) Corresponding terminal information, and / or account information corresponding to the payment affiliated store).

According to the present invention, the payment processing server 300 is the payment to the check payment server based on the check card information extracted from the storage medium 130 and the payment amount information through the information verification unit 330 Characterized in that it comprises a temporary approval processing unit 310 for requesting approval for the processing.

The approval processing unit 310 provides the check card information and the payment amount information to the check payment server through a predetermined interface means, thereby checking whether the payment amount can be processed through the check card. It is characterized in that the process of confirming the approval possibility.

According to the exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 345 number is a check card, the approval processing unit 310 sends the check card information and the payment amount to the check payment server. By providing the information, the amount deposited in the financial account associated with the check card may perform a check card payment approval possibility confirmation process to confirm that there is a sufficient amount to debit the payment amount. It features.

If the check card payment approval possibility confirmation process is performed, and the payment amount can be processed through the check card payment, the approval processing unit 310 is linked with the check payment server to pay the check card Characterized in that the approval.

According to an exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 345 number is a check card, the approval processing unit 310 is an amount corresponding to the payment amount in connection with the check payment server. In the financial account associated with the check card is characterized in that to perform a check payment lock process to prevent withdrawal by another financial transaction.

According to another exemplary embodiment of the present invention, the approval processing unit 310 may process a check card payment approval possibility confirmation process and a card payment lock process in association with the check payment server, thereby limiting the present invention. Not.

According to another embodiment of the present invention, in the check card settlement, when the escrow function is provided in the financial system 340 in which the financial account associated with the check card is opened, the approval processing unit ( 310 may withdraw the amount corresponding to the payment amount from the financial account associated with the check card in connection with the check payment server and deposit it into a predetermined temporary account (eg, an escrow account). When the card payment lock process for the check card payment may be omitted, whereby the present invention is not limited.

In particular, when the card payment lock process for the check card is omitted, the check card payment approval possibility check process may be performed by the payment processing unit 305 provided in the payment processing server 300, whereby The invention is not limited.

According to the present invention, the payment processing server 300 checks in conjunction with the check payment server when the payment processing according to the present invention is finally approved (for example, when finally approved through the customer wireless terminal 345). And a payment processing unit 305 for final payment approval processing of the amount corresponding to the payment amount through the card, and generating a predetermined payment approval history corresponding to the payment processing.

Also, after the check card payment approval possibility confirmation process (and / or the card payment lock process) is performed, if the final approval is not performed for a predetermined time, the payment processing unit 305 may perform the payment process (for example, the card payment confirmation and the like). And / or payment approval details corresponding to the card payment lock).

In addition, when the check card payment error occurs while the check card payment approval possibility confirmation process is performed, the payment processing unit 305 may generate a payment approval history corresponding to the payment processing.

Here, the check card payment error is preferably made to include an error exceeding the limit amount, the check card payment error is preferably made to include a balance shortage error of the financial account associated with the check card.

According to the invention, the payment processing server 300 is characterized in that it comprises an information transmission unit 335 for providing the payment approval details to at least one or more customer communication means, wherein the customer communication means is a wireless message ( For example, a short message or a multimedia message) includes a customer-owned mobile communication terminal capable of receiving and / or at least one customer-owned e-mail address.

In addition, the information transmission unit 335 is characterized in that to provide the payment approval details to the merchant (or payment processing target) communication means corresponding to the payment merchant, wherein the merchant (or payment processing target) communication means The merchant includes at least one predetermined merchant terminal, and / or a mobile communication terminal of an affiliated store representative (or employee), and / or an email address of the affiliated store representative (or employee).

16 is a diagram illustrating a check card-based payment processing request information providing process using a wireless message according to an embodiment of the present invention.

In more detail, FIG. 16 illustrates that the wireless terminal on the payment processing system shown in FIG. 15 transmits a predetermined wireless message including payment processing request information according to the present invention, thereby transmitting the wireless terminal from the payment processing server 300. Receiving payment processing request information for payment processing according to the present invention from the present invention, those skilled in the art to which the present invention belongs, and with reference to this figure 16 and / or modified the wireless message Various implementation methods for receiving predetermined payment processing request information may be inferred, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the payment processing server 300 shown in FIG. 15 is referred to as "server" for convenience.

Referring to FIG. 16, a wireless message including payment processing request information including at least one identification information allocated to payment processing target information stored in association with the wireless terminal number in the storage medium 130 in the wireless terminal. (1600), and transmits the generated wireless message including the payment processing request information to the server 300 via the wireless communication network connected to the wireless terminal (1605), the server 300 The wireless terminal number is checked by reading a wireless message received through a line communication network (1610), and the payment processing target information stored in association with the wireless terminal number is stored (or extracted) from the storage medium 130 ( 1615).

If it is determined that the payment processing target information stored in association with the wireless terminal number from the storage medium 130 is not confirmed (1620), the server 300 generates a predetermined payment error message to generate the wireless terminal number. Through the transmission to the wireless terminal (1625), and ends the payment process according to the present invention.

On the other hand, if the payment result information stored in connection with the wireless terminal number is confirmed from the storage medium 130 in operation 1620, the server 300 identifies the payment information assigned to the payment processing information from the wireless message. Extracting at least one payment processing request information matching the information (1630), payment merchant information and / or payment target information included in the extracted payment processing request information and payment merchant information included in the payment processing target information and And / or the identification information assigned to the payment target information is checked (1635).

If the check result is that the payment processing request information does not match the payment processing target information (1640), the server 300 generates a predetermined payment error message and transmits to the wireless terminal through the wireless terminal number ( 1625), the payment process according to the present invention ends.

On the contrary, if the payment processing request information is matched with the payment processing target information (1640), the server 300 determines payment merchant information and payment corresponding to the verified payment processing target information from the storage medium 130. The amount information is extracted (1645), and the check card information stored in association with the radio terminal number is extracted from the storage medium 130 (1650).

According to another exemplary embodiment of the present invention, the payment amount information may be included in the payment processing request information and received from the wireless terminal, and thus the present invention is not limited thereto.

Figure 17 illustrates a payment processing process using a check card according to an embodiment of the present invention.

More specifically, FIG. 17 illustrates a payment processing process using check card information, payment amount information, and payment merchant information obtained through the process illustrated in FIG. 16, and has a general knowledge in the technical field to which the present invention belongs. If various payment processing procedures can be inferred by referring to and / or modifying the drawing 17, the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in the drawing 17.

Hereinafter, in FIG. 17, the payment processing server 300 shown in FIG. 15 is referred to as "server" for convenience.

Referring to FIG. 17, when check card information, payment amount information, and payment merchant information are obtained through the process illustrated in FIG. 16, the server 300 transmits the check card information and the payment amount information to the server 300. By transmitting to the check payment server associated with (1700), the balance of the financial account associated with the check card in connection with the financial system 340 opened the financial account associated with the check card in the check payment server is the payment amount Check whether it is possible to process the payment amount through the account balance inquiry (1705).

If it is determined that the payment amount cannot be processed through the check card payment (1710), the check payment server returns a result of the payment processing impossible to the server 300 (1715), and correspondingly the server 300 generates a predetermined payment approval history including a check card payment error result (1720), and provides the payment approval details to the wireless terminal (1725).

On the other hand, if it is possible to process the payment amount through the check card payment as a result of the check (1710), the check payment server returns a possible result of payment processing to the server 300 (1730).

18 illustrates a payment approval process using a check card according to an embodiment of the present invention.

More specifically, FIG. 18 is a process for finally approving the payment through the wireless terminal after confirming that payment processing through the check card is possible from the check payment server through the process shown in FIG. 17. Persons having ordinary skill in the art to which the present invention pertains may be able to infer various implementation methods for final approval of the payment processing by referring to and / or modifying the drawing 18, but the present invention may be inferred from the above-described implementation All the methods are included, and the method is not limited to the embodiment shown in FIG.

For example, this figure 18 is described as a final approval of the payment process through the approval method, if those of ordinary skill in the art to which the present invention belongs, reference to and / or modified this figure 18 escrow It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

Hereinafter, in FIG. 18, the payment processing server 300 shown in FIG. 15 is referred to as "server" for convenience.

Referring to FIG. 18, when it is confirmed that payment processing through the check card payment is possible from the check payment server through the process shown in FIG. 17, the server 300 sends the check card information to the check payment server. The approval request for payment of the check card is requested through payment amount information (1800), and in response, the check payment server deposits an amount deposited in the financial account associated with the check card through the check card information and the payment amount information. An authorization process is performed to prevent the withdrawal by the other check card settlement request and / or another financial transaction request (1805).

According to another exemplary embodiment of the present invention, when the financial system 340 in which the financial account associated with the check card is opened provides an escrow function, the client account is transferred from the customer financial account through an escrow function instead of the check card lock. The amount corresponding to the settlement amount may be withdrawn and transferred to a predetermined temporary account (for example, an escrow account), whereby the present invention is not limited thereto.

Thereafter, the server 300 generates a wireless message including a predetermined callback UL and requests predetermined authentication information to the wireless terminal (1810). In response, the wireless terminal transmits the server through the callback rate AL. Access 300, and provide predetermined authentication information for approving (or authenticating) the payment process.

If it is confirmed that the requested authentication information is provided from the wireless terminal (1815), the server 300 extracts the stored customer authentication information from the storage medium 130 in association with the wireless terminal number (1820). By comparing and authenticating the authentication information confirmed from the wireless terminal and the extracted customer authentication information, it is checked whether the payment processing is approved (1825).

If the payment process is not approved (1830), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment processing is approved (1830), the server 300 provides the check card information, payment amount information and the payment merchant information (1835) to the check payment server, and correspondingly the financial system 340 ), After approval processing of the check card payment for the payment amount through the check card information (1840), and returns the check card payment results to the server 300 (1845).

Thereafter, the server 300 generates a predetermined payment approval history including the check card payment processing result (1850), and outputs the payment approval details to the wireless terminal (1855).

19 is a diagram illustrating a check card-based payment processing request information providing process using a wireless message according to another embodiment of the present invention.

In more detail, in FIG. 19, the wireless terminal on the payment processing system shown in FIG. 15 transmits a predetermined wireless message including payment processing request information according to the present invention, thereby transmitting the wireless terminal from the payment processing server 300. Receiving payment processing request information for payment processing according to the present invention from the person of ordinary skill in the art to which the present invention pertains, referring to and / or modified this figure 19 to the wireless message Various implementation methods for receiving predetermined payment processing request information may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In the following figure 19, the payment processing server 300 shown in FIG. 15 is referred to as " server " for convenience.

Referring to FIG. 19, a wireless message including payment processing request information including at least one or more identification information assigned to payment processing target information stored in association with the wireless terminal number in the storage medium 130 in the wireless terminal. (1900), if the wireless message including the payment processing request information is transmitted to the server 300 through the wireless communication network connected to the wireless terminal (1905), the server 300 is the wireless The wireless terminal number is read by reading a wireless message received through a communication network (1910), and the payment processing target information stored in association with the wireless terminal number is stored (or extracted) from the storage medium 130 (1915). ).

If it is determined that the payment processing target information stored in association with the wireless terminal number from the storage medium 130 is not confirmed (1920), the server 300 generates a predetermined payment error message to generate the wireless terminal number. Through the transmission to the wireless terminal (1925) and ends the payment process according to the present invention.

On the other hand, if the payment result information stored in association with the wireless terminal number is confirmed from the storage medium 130 as the result of the check (1920), the server 300 identifies the information assigned to the payment processing target information from the wireless message. Extracting at least one payment processing request information matched with the information (1930), payment merchant information and / or payment target information included in the extracted payment processing request information and payment merchant information included in the payment processing target information and And / or check whether the identification information allocated to the payment target information matches.

If the payment result request information does not match the payment processing target information (1940), the server 300 generates a predetermined payment error message and transmits to the wireless terminal through the wireless terminal number ( 1925), the payment process according to the present invention ends.

On the contrary, if the payment processing request information is matched with the payment processing target information (1940), the server 300 performs a payment processing process corresponding to the payment processing request information.

20 illustrates a payment approval process using a check card according to another embodiment of the present invention.

More specifically, FIG. 20 illustrates a process of finally approving the payment through the wireless terminal when the payment processing request information is obtained through the process illustrated in FIG. 19, and is generally known in the art. Those skilled in the art will be able to infer various implementation methods for final approval of the payment process by referring to and / or modifying this figure 20, but the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown.

For example, this drawing 20 is described as a final approval of the payment processing through a method of approval, and if one of ordinary skill in the art to which the present invention belongs, refer to and / or modified this drawing 20 escrow It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

Hereinafter, the payment processing server 300 shown in FIG. 15 in this drawing 20 will be referred to as "server" for convenience.

Referring to FIG. 20, when the payment processing request information is obtained through the process illustrated in FIG. 19, the server 300 may provide payment merchant information and payment amount information available for the payment processing from the storage medium 130. Extract (2000) and extract the stored check card information associated with the radio terminal number from the storage medium (130) (2005).

Thereafter, the server 300 generates a wireless message including a predetermined callback UL and requests predetermined authentication information to the wireless terminal (610). In response, the wireless terminal transmits the server through the callback rate AL. Access 300, and provide predetermined authentication information for approving (or authenticating) the payment process.

If it is confirmed that the requested authentication information is provided from the wireless terminal (2015), the server 300 extracts the stored customer authentication information stored in association with the wireless terminal number from the storage medium 130 (2020). In operation 2025, it is determined whether the payment process is approved by comparing and authenticating the authentication information confirmed from the wireless terminal and the extracted customer authentication information.

If the payment process is not approved (2030), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment processing is approved (2030), the server 300 provides the check card information, payment amount information and the payment merchant information to the check payment server (2035), and correspondingly the financial system 340 ), After the check card payment for the payment amount is approved through the check card information (2040), and returns the check card payment results to the server 300 (2045).

Thereafter, the server 300 generates a predetermined payment approval history including the check card payment processing result (2050), and outputs the payment approval details to the wireless terminal (2055).

21 is a diagram illustrating a wireless Internet-based payment system according to an embodiment of the present invention.

More specifically, FIG. 21 shows a predetermined wireless terminal when the storage medium 130 is stored in association with the customer wireless terminal 345 number, customer account information, and payment processing target information for payment processing according to the present invention. As an implementation method for a payment system for performing a payment process according to the present invention, those skilled in the art to which the present invention pertains, refer to and / or modify this figure 21 to the storage medium 130 Although the present invention can infer various implementation methods for a payment system corresponding to a case where a customer wireless terminal 345 number, customer account information, and payment processing target information are stored in association with each other according to the present invention. It includes all the inferred method of implementation, whereby the present invention is not limited.

For example, in FIG. 21, the payment processing server 300 for processing payment according to the present invention is illustrated as one server, but the payment processing server 300 may be separated into at least two or more servers. This is not limited.

According to FIG. 21, the payment system receives predetermined payment processing request information from a predetermined wireless terminal through a predetermined wireless Internet communication channel, and processes financial settlement using customer account information stored in the storage medium 130. It is characterized in that it comprises a payment processing server 300 associated with a predetermined financial system 340 and a predetermined interface means.

The financial system 340 is a computer system provided in a predetermined financial institution, and has a function of providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one or more financial transaction customers. The payment processing server 300 is linked to the payment processing server 300 through a predetermined interface means (eg, a network means for connecting the financial system 340 to an external communication network) for payment processing according to the present invention.

The financial system 340 is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. The account system for handling window services such as credit or reception or trust or foreign exchange occurring in the above branch (or window), the information system for processing the headquarters business, branch office information support and customer information management, and the financial system 340 ) And at least one other non-face-to-face financial transaction means (e.g., internet banking, wireless banking) provided on at least one other communication network, and / or interconnection between at least one other financial system 340 (and / or payment system) IC chip-based wireless banking, tele banking, TV banking, etc.) to access the financial system 340, and / or Is characterized in that it comprises an external system that provides a variety of financial transaction interface through at least one common network (eg CD common network, financial common network), and the financial system 340 is configured in the financial system An interface module corresponding to a middleware platform that provides inter-element interfacing, and predetermined information (eg, ledger information, and / or customer information, and / or information required for each function in a component in the financial system); and / Or a DBMS (DataBase Management System) including at least one database for storing and managing management information.

In addition, the financial system 340 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 340 and the purpose of the financial system 340. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 340, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the financial system 340 is linked to the payment processing server 300 through the interface means for payment processing according to the present invention, the external system provided in the financial system 340 is the payment It is preferable that a predetermined financial settlement unit interworking with the processing server 300 is provided.

According to the implementation method of the present invention, the financial settlement unit checks whether the amount corresponding to the payment amount requested from the payment merchant is deposited in the financial account corresponding to the customer account information in connection with the payment processing server 300 and (E.g., confirming that a sufficient amount for payment processing of the payment amount is deposited), and returning the result to the payment processing server 300 is preferable.

According to an exemplary embodiment of the present invention, when an amount corresponding to a payment amount requested from the payment affiliate store is deposited in a financial account corresponding to the customer account information (for example, a sufficient amount to process the payment amount) Is deposited), the financial settlement unit when the amount corresponding to the payment amount of money deposited in the financial account in connection with the payment processing server 300 is transferred to the financial account corresponding to the payment merchant; It is preferable to set a lock so as not to be withdrawn by another financial transaction request until, and when the payment is finally approved, the lock is released, corresponding to the payment amount from the financial account corresponding to the customer account information It is preferable to withdraw the amount to be transferred to a financial account corresponding to the payment merchant.

According to another embodiment of the present invention, when the amount corresponding to the payment amount requested from the payment merchant is deposited in the financial account corresponding to the customer account information (for example, sufficient to process the payment amount) If the amount is deposited, the financial settlement unit in connection with the payment processing server 300 a predetermined temporary account (e.g. Escrow account) of the amount corresponding to the payment amount of the amount deposited in the financial account Account), and when the payment is finally approved, it is preferable to withdraw the amount deposited in the temporary account and transfer it to the financial account corresponding to the payment merchant.

Referring to FIG. 21, the payment processing server 300 may include a web interface unit 315 for connecting at least one wireless terminal and a wireless internet based communication channel through a predetermined wireless communication network.

The web interface unit 315 may include an interface for accessing the web server through a predetermined network means using a browser provided in at least one or more wireless terminals, and an interface for providing a predetermined web page to the wireless terminal. And at least one or more of an interface for receiving predetermined data from the wireless terminal through at least one form form included in the web page, and having a general knowledge in the technical field to which the present invention pertains. If so, the detailed processing and the role of the web interface unit 315 to allow the storage processing server to perform the function of the web server can be easily inferred, and a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the wireless communication network preferably comprises a CDMA stack-based mobile communication network, and may include the IEEE 802.16x-based portable Internet according to the intention of those skilled in the art.

According to an embodiment of the present invention, the web interface unit 315 transmits a wireless message including a predetermined callback URL (CallbackURL) for post-approval (or authentication) for payment processing according to the present invention through the wireless terminal. As a result, the payment processing post approval may be processed through the wireless terminal.

According to the present invention, the payment processing server 300 is characterized in that it comprises an information receiving unit 320 for receiving at least one or more payment processing request information from the wireless terminal through the web interface unit 315.

According to the present invention, the payment processing server 300 in the process of accessing the payment processing server 300 at least one or more wireless terminals through the web interface unit 315, the wireless terminal number for the wireless terminal Characterized in that it comprises an information confirmation unit 330 to confirm.

Those skilled in the art to which the present invention pertains, the information check unit 330 is familiar with how to check the wireless terminal number in the process of the wireless terminal is connected to the payment processing server 300. Therefore, detailed description thereof will be omitted for convenience.

In addition, the information confirming unit 330 extracts at least one or more payment processing target information stored in association with the customer wireless terminal 345 number from the storage medium 130 after the wireless terminal number is confirmed. The payment processing target information may include at least one or more payment merchant information, payment amount information, and payment target information registered by the customer.

According to the present invention, when the predetermined payment processing request information is received through the information receiving unit 320, the payment processing server 300 is associated with the customer wireless terminal 345 number from the storage medium 130. And extract the stored customer account information, and also in response to the payment processing request information, payment merchant information, payment amount information and payment target information, and / or payment target information and payment amount information to be used for payment processing according to the present invention. After extraction, the information processing unit 325 provides the customer account information, the payment merchant information, and the payment amount information to the approval processing unit 310 and / or the payment processing unit 305 provided in the payment processing server 300. Characterized in that the processing, so that the payment process according to the invention is performed.

In this case, the payment merchant information to be used for the payment processing is information capable of payment processing through the customer account information stored in the storage medium 130, and preferably includes account information corresponding to the payment merchant. Do.

According to the present invention, the payment processing server 300 is based on the customer account information and the payment amount information (or payment amount information extracted from the payment processing target information) to the financial system 340 to the payment processing; Characterized in that it comprises a temporary approval processing unit 310 for requesting approval for the authorization.

The approval processing unit 310 provides the customer account information and the payment amount information to the financial system 340 (eg, the financial settlement unit) through a predetermined interface means, thereby providing a financial account corresponding to the customer account information. Characterized in that the customer account confirmation process for confirming whether a sufficient amount for payment processing the payment amount information is deposited.

If as a result of performing the customer account verification process, a sufficient amount for depositing the payment amount information is deposited in the financial account corresponding to the customer account information, the approval processing unit 310 is the financial system In operation 340, for example, a financial account corresponding to the customer account information, the financial account corresponding to the customer account information performs a customer account lock process for setting a lock so that the amount corresponding to the payment amount is not withdrawn by another financial transaction. It is characterized by.

According to another exemplary embodiment of the present invention, the approval approval processor 310 may process the customer account confirmation process and the customer account lock process in association with the financial system 340 (eg, the financial settlement unit). The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when an escrow function is provided in the financial system 340 (for example, the financial settlement unit), the approval system 310 performs the financial system 340 ( For example, in the financial account corresponding to the customer account information in connection with the financial settlement unit, a customer account lock process for setting a lock to prevent the amount corresponding to the payment amount from being withdrawn by another financial transaction may be omitted. The present invention is not limited by this.

In particular, when the customer account lockout process is omitted, the customer account confirmation process may be performed by the payment processing unit 305 provided in the payment processing server 300, and the present invention is not limited thereto.

According to the present invention, when the payment processing according to the present invention is finally approved, the payment processing server 300 is based on the customer account information, payment merchant information and payment amount information based on the financial system 340 (eg, financial The amount corresponding to the payment amount is withdrawn from the financial account corresponding to the customer account information (and / or the escrow function is provided in the financial system 340) in connection with the payment account). It is characterized in that it comprises a payment processing unit 305 for depositing a payment amount) to be deposited in a financial account corresponding to the payment merchant.

In addition, the payment processing unit 305 after the payment processing is completed through the financial system 340, characterized in that for generating a predetermined payment approval history corresponding to the payment processing, wherein the payment approval details Preferably, the wireless terminal is provided to the wireless terminal through the wireless internet based communication channel.

In addition, if the final confirmation for a predetermined time after the customer account confirmation process (and / or customer account lock process) is performed, the payment processing unit 305 is the payment processing (eg, customer account confirmation and / or customer It is characterized in that the payment approval history corresponding to the account lock) to be generated, wherein the payment approval details are provided to the wireless terminal through the wireless Internet-based communication channel.

In addition, in the process of confirming the customer account, if a sufficient amount for payment processing of the payment amount is not deposited in the financial account corresponding to the customer account information, the payment processing unit 305 performs the payment. And generating payment approval details corresponding to the processing (for example, customer account deposit assistance), wherein the payment approval details are preferably provided to the wireless terminal through the wireless internet based communication channel.

According to the present invention, the payment processing server 300 is characterized by comprising an information transmission unit 335 for providing the payment approval details to at least one customer communication means, wherein the customer communication means is a wireless terminal, And / or at least one customer owned email address.

In addition, the information transmission unit 335 is characterized in that to provide the payment approval details to the merchant (or payment processing target) communication means corresponding to the payment merchant, wherein the merchant (or payment processing target) communication means The merchant includes at least one predetermined merchant terminal, and / or a mobile communication terminal of an affiliated store representative (or employee), and / or an email address of the affiliated store representative (or employee).

22 is a diagram illustrating an information providing process for wireless internet based payment processing according to an embodiment of the present invention.

In more detail, FIG. 22 illustrates a method for processing a payment according to the present invention by connecting a wireless terminal on the payment processing system shown in FIG. 21 to the storage processing server performing a predetermined web server function through a predetermined wireless communication network. As an implementation method for an information providing process, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 22 to support a payment processing system shown in FIG. Various implementation methods for the information providing process for payment processing may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In Fig. 22, the wireless terminal shown in Fig. 21 is referred to as " terminal " for convenience, and the storage processing server is referred to as " server " for convenience.

Referring to FIG. 22, when the terminal 345 accesses the server through a predetermined wireless communication network and requests a payment process according to the present invention after registering and / or logging in (2200), the server connects the terminal 345 to the server. Extracts a radio terminal number (2205).

According to another exemplary embodiment of the present invention, when the customer wireless terminal 345 number is stored in predetermined member information D / B (not shown) provided in the server, the predetermined customer wireless terminal is stored in the terminal 345. The process of receiving the customer wireless terminal 345 number by providing a number input interface screen may be replaced with a process of extracting the customer wireless terminal 345 number from the member information D / B. The present invention is not limited by this.

According to another exemplary embodiment of the present invention, an account in which the terminal 345 logs in to the server may include the customer wireless terminal 345 number, whereby the present invention is not limited thereto.

Thereafter, the server extracts at least one payment merchant information stored in association with the customer wireless terminal 345 number from the storage medium 130 (2210) and includes the extracted at least one payment merchant information. A payment merchant selection interface screen is generated and provided to the terminal 345 through the wireless communication network and output (2215). In response, the terminal selects a payment merchant targeted for a predetermined payment processing through the payment merchant selection interface screen. The server transmits the data to the server (2220).

Thereafter, the server extracts at least one payment target information corresponding to the selected payment affiliate store from the storage medium 130 (2225), and generates a predetermined payment target selection interface screen including the payment target to the terminal. In operation 235, the terminal 345 selects a predetermined payment target through the payment target selection interface screen and transmits the predetermined payment target to the server at operation 2235.

Thereafter, the server extracts payment merchant information and payment amount information corresponding to the identified payment processing target information from the storage medium 130 (2240), and also associates with the wireless terminal number from the storage medium 130. The processed and stored customer account information is extracted (2245).

According to another exemplary embodiment of the present invention, the payment amount information may be received from the wireless terminal through the wireless internet protocol, and thus the present invention is not limited thereto.

Figure 23 illustrates a payment processing process using a customer account according to an embodiment of the present invention.

More specifically, Figure 23 is a payment processing process through the customer account information, payment amount information and payment merchant information obtained in the process shown in Figure 22, the person of ordinary skill in the art to which the present invention belongs If various payment processing procedures can be inferred by referring to and / or modifying the drawing 23, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in the drawing 23.

Hereinafter, in FIG. 23, the payment processing server 300 shown in FIG. 21 is referred to as a "server" for convenience.

Referring to FIG. 23, when the customer account information, the payment amount information, and the payment merchant information are obtained through the process illustrated in FIG. 22, the server 300 sends the customer account information and the payment amount information to the server 300. The payment amount through a deposit deposited in a financial account corresponding to the customer account (2300) by transmitting to the financial system 340 associated with (or opening a financial account corresponding to the customer account information) (2300). Check whether it is possible to process the payment (2305).

If it is determined that the payment amount cannot be settled through the deposit deposited in the financial account corresponding to the customer account (2310), the financial system 340 returns the result of the settlement process not possible to the server; 2315), correspondingly, the server 300 generates a predetermined payment approval history including a result of a customer account deposit shortage error (2320), and provides the payment approval details to the wireless terminal (2325).

On the other hand, if the check result is able to process the payment amount through the deposit deposited in the financial account corresponding to the customer account (2310), the financial system 340 will be able to process the payment processing result to the server 300 Return (2330).

24 illustrates a payment approval process using a customer account according to an embodiment of the present invention.

More specifically, FIG. 24 shows that the payment process is possible through the deposit deposited in the financial account corresponding to the customer account from the financial system 340 through the process shown in FIG. Through the process of final approval of the payment through, and those skilled in the art to which the present invention pertains, various inferences of various implementation methods for the final approval of the payment process by referring to and / or modified in this figure 24 Although the present invention may be implemented, the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

For example, this drawing 24 is described as a final approval of the payment processing through a method of approval, and if one of ordinary skill in the art to which the present invention belongs, refer to and / or modified this drawing 24 escrow It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

Hereinafter, in FIG. 24, the payment processing server 300 shown in FIG. 21 is referred to as "server" for convenience.

Referring to FIG. 24, when it is confirmed through the process shown in FIG. 23 that payment processing through a deposit deposited in the financial account corresponding to the customer account is possible, the server 300 Requests the financial system 340 to lock the financial account corresponding to the customer account information through the customer account information and the payment amount information (2400), and the financial system 340 corresponds to the customer account. Locking the customer financial account is performed through the information and the payment amount information (2405).

According to another exemplary embodiment of the present invention, when the financial system 340 provides an escrow function, an amount corresponding to the settlement amount is withdrawn from the customer financial account through an escrow function instead of the customer account lock. It is also possible to transfer to a temporary account (e.g., an escrow account), and the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the customer deposit confirmation process and the customer financial account locking process (or escrow processing process) shown in FIG. 23 may be performed in one batch, and the present invention is not limited thereto.

Thereafter, the server 300 requests predetermined authentication information for approving (or authenticating) the payment process to the wireless terminal through the wireless Internet (2410). In response, the wireless terminal establishes the wireless Internet. The server 300 provides predetermined authentication information for approving (or authenticating) a payment process.

If it is determined that the requested authentication information is provided from the wireless terminal (2415), the server 300 extracts the stored customer authentication information from the storage medium 130 in association with the wireless terminal number (2420). By comparing and authenticating the authentication information confirmed from the wireless terminal and the extracted customer authentication information, it is checked whether the payment processing is approved (2425).

If the payment process is not approved (2430), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment process is approved (2430), the server 300 provides the financial system 340 with the customer account information, the payment amount information, and the payment merchant information (eg, account information corresponding to the payment merchant). In operation 2435, the financial system 340 releases the lock on the customer financial account through the customer account information, and withdraws an amount corresponding to the payment amount from the customer financial account. After depositing to the financial account corresponding to (2440), and returns the account transfer result to the server 300 (2445).

Thereafter, the server 300 generates a predetermined payment approval history including the payment processing result (2450), and outputs the payment approval details to the wireless terminal (2455).

25 is a diagram illustrating an information providing process for wireless internet based payment processing according to another embodiment of the present invention.

In more detail, FIG. 25 illustrates a method for processing a payment according to the present invention by connecting a wireless terminal on a payment processing system shown in FIG. 21 to a storage processing server performing a predetermined web server function through a predetermined wireless communication network. As an implementation method for an information providing process, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to, and / or modify, this wireless communication network based on the wireless Internet based on the payment processing system shown in FIG. Various implementation methods for the information providing process for payment processing may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In the drawing 25, the wireless terminal shown in the drawing 21 is referred to as " terminal " for convenience, and the storage processing server is referred to as " server " for convenience.

Referring to FIG. 25, when the terminal accesses the server 300 through a predetermined wireless communication network and requests a payment process according to the present invention after joining and / or logging in (2500), the server 300 reads The wireless terminal number for the terminal is extracted (2505).

According to another exemplary embodiment of the present invention, when the customer wireless terminal 345 number is stored in predetermined member information D / B (not shown) provided in the server 300, a predetermined customer wireless terminal is stored in the terminal. The process of receiving the customer wireless terminal 345 number by providing a number input interface screen may be replaced with a process of extracting the customer wireless terminal 345 number from the member information D / B. The present invention is not limited by this.

According to another exemplary embodiment of the present invention, an account in which the terminal logs in to the server 300 may include the customer wireless terminal 345 number, whereby the present invention is not limited thereto.

Thereafter, the server 300 extracts at least one payment merchant information stored in association with the customer wireless terminal 345 number stored in the storage medium 130 (2510), and the extracted at least one payment merchant information. Generate and display a payment merchant selection interface screen including the terminal to the terminal through the wireless communication network (2515), and correspondingly, the terminal selects a predetermined payment processing target payment merchant through the payment merchant selection interface screen. The server 300 transmits the data to the server 300 (2520).

Thereafter, the server 300 extracts (2525) at least one or more payment target information corresponding to the selected payment affiliate store from the storage medium 130, and generates a predetermined payment target selection interface screen including the payment target. The terminal selects a predetermined payment target through the payment target selection interface screen (2530) and transmits it to the server 300 (2535).

Thereafter, the server 300 performs the payment processing according to the present invention through payment merchant information and payment amount information corresponding to the payment processing target information identified from the storage medium 130.

Figure 26 illustrates a payment approval process using a customer account according to another embodiment of the present invention.

More specifically, FIG. 26 illustrates a process of finally approving the payment through the wireless terminal when the payment processing request information is obtained through the process illustrated in FIG. 25, and is generally known in the art. Those skilled in the art will be able to infer various implementation methods for final approval of the payment processing by referring to and / or modifying this drawing 26, but the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown.

For example, this drawing 26 is described as a final approval of the payment processing through the approval method, if the person skilled in the art to which the present invention belongs, refer to and / or modified this drawing 26 escrow It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

Hereinafter, the payment processing server 300 shown in FIG. 21 in this drawing 26 will be referred to as "server" for convenience.

Referring to FIG. 26, when the payment processing request information is obtained through the process illustrated in FIG. 25, the server 300 may provide payment merchant information and payment amount information available for the payment processing from the storage medium 130. Extract (2600) and extract the stored customer account information from the storage medium 130 in association with the wireless terminal number (2605).

Thereafter, the server 300 requests predetermined authentication information for approving (or authenticating) the payment process to the wireless terminal through the wireless Internet (2610). In response, the wireless terminal establishes the wireless Internet. The server 300 provides predetermined authentication information for approving (or authenticating) a payment process.

If it is confirmed that the requested authentication information is provided from the wireless terminal (2615), the server 300 extracts the stored customer authentication information stored in association with the wireless terminal number from the storage medium 130 (2620). By comparing and authenticating the authentication information confirmed from the wireless terminal and the extracted customer authentication information, it is checked whether the payment processing is approved (2625).

If the payment process is not approved (2630), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment processing is approved (2630), the server 300 provides the financial system 340 with the customer account information, payment amount information and the payment merchant information (for example, account information corresponding to the payment merchant) In response thereto (2635), the financial system 340 releases the lock on the customer financial account through the customer account information, and withdraws the amount corresponding to the payment amount from the customer financial account. After depositing to the financial account corresponding to the merchant (2640), and returns the account transfer result to the server 300 (2645).

Thereafter, the server 300 generates a predetermined payment approval history including the payment processing result (2650), and outputs the payment approval details to the wireless terminal (2655).

27 is a diagram showing a wireless Internet-based payment system according to another embodiment of the present invention.

More specifically, FIG. 27 shows a predetermined wireless terminal when the storage medium 130 is stored in association with the customer wireless terminal 345 number, credit card information, and payment processing target information for payment processing according to the present invention. As a method for implementing a payment system for performing a payment process according to the present invention, those skilled in the art to which the present invention pertains, refer to and / or modify the present drawing 27 to the storage medium 130 Although the present invention can infer various implementation methods for a payment system corresponding to a case where the customer wireless terminal 345 number, credit card information, and payment processing target information are stored in association with each other according to the present invention. It includes all the inferred method of implementation, whereby the present invention is not limited.

For example, in FIG. 27, the payment processing server 300 for processing a payment according to the present invention is illustrated as one server, but the payment processing server 300 may be separated into at least two servers, whereby the present invention. This is not limited.

Referring to FIG. 27, referring to FIG. 27, the payment processing server 300 includes a web interface unit 315 for connecting a wireless internet based communication channel with at least one wireless terminal through a predetermined wireless communication network. It is characterized by.

The web interface unit 315 may include an interface for accessing the web server through a predetermined network means using a browser provided in at least one or more wireless terminals, and an interface for providing a predetermined web page to the wireless terminal. And at least one or more of an interface for receiving predetermined data from the wireless terminal through at least one form form included in the web page, and having a general knowledge in the technical field to which the present invention pertains. If so, the detailed processing and the role of the web interface unit 315 to allow the storage processing server to perform the function of the web server can be easily inferred, and a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the wireless communication network preferably comprises a CDMA stack-based mobile communication network, and may include the IEEE 802.16x-based portable Internet according to the intention of those skilled in the art.

According to an embodiment of the present invention, the web interface unit 315 transmits a wireless message including a predetermined callback URL (CallbackURL) for post-approval (or authentication) for payment processing according to the present invention through the wireless terminal. As a result, the payment processing post approval may be processed through the wireless terminal.

According to the present invention, the payment processing server 300 is characterized in that it comprises an information receiving unit 320 for receiving at least one or more payment processing request information from the wireless terminal through the web interface unit 315.

According to the present invention, the payment processing server 300 in the process of accessing the payment processing server 300 at least one or more wireless terminals through the web interface unit 315, the wireless terminal number for the wireless terminal Characterized in that it comprises an information confirmation unit 330 to confirm.

Those skilled in the art to which the present invention pertains, the information check unit 330 is familiar with how to check the wireless terminal number in the process of the wireless terminal is connected to the payment processing server 300. Therefore, detailed description thereof will be omitted for convenience.

In addition, the information confirming unit 330 extracts at least one or more payment processing target information stored in association with the customer wireless terminal 345 number from the storage medium 130 after the wireless terminal number is confirmed. The payment processing target information may include at least one or more payment merchant information, payment amount information, and payment target information registered by the customer.

According to the present invention, when the predetermined payment processing request information is received through the information receiving unit 320, the payment processing server 300 is associated with the customer wireless terminal 345 number from the storage medium 130. And extract the stored customer account information, and also in response to the payment processing request information, payment merchant information, payment amount information and payment target information, and / or payment target information and payment amount information to be used for payment processing according to the present invention. After the extraction, the credit card information, the payment merchant information and the payment amount information is provided with an information processing unit 325 for providing the authorization processing unit 310 and / or payment processing unit 305 provided in the payment processing server 300 Characterized in that the processing, so that the payment process according to the invention is performed.

Here, the payment merchant information required for the payment processing is information capable of payment processing through the credit card information stored in the storage medium 130, preferably in the payment terminal information (or payment terminal provided in the payment merchant) Corresponding terminal information).

According to the present invention, the payment processing server 300 is the payment to the credit settlement server based on the credit card information extracted from the storage medium 130 and the payment amount information through the information verification unit 330 Characterized in that it comprises a temporary approval processing unit 310 for requesting approval for the processing.

The approval processing unit 310 provides the credit card information and the payment amount information to the credit settlement server through a predetermined interface means, so that the credit card payment checks whether the payment amount can be processed through the credit card. It is characterized in that the process of confirming the approval possibility.

According to an exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 345 number is a credit card, the approval processing unit 310 sends the credit card information and the payment amount information to the credit settlement server. By providing a, characterized in that for performing the credit card payment approval possibility confirmation process for confirming that the credit payment processing within the credit card limit amount range.

If it is possible to process the payment amount through the credit card payment as a result of performing the credit card payment approval confirmation process, the authorization processing unit 310 is linked with the credit payment server to pay the credit card Characterized in that the approval.

According to the exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 345 number is a credit card, the approval processing unit 310 corresponds to the payment amount in association with the credit settlement server. It is characterized in that the credit settlement process is performed so that the amount is not processed by another credit settlement request.

According to another exemplary embodiment of the present invention, the approval processing unit 310 may process a credit card payment approval possibility confirmation process and a card payment lock process in association with the credit settlement server, thereby limiting the present invention. Not.

According to the present invention, if the payment processing server 300 is finally approved (for example, when the final approval through the customer wireless terminal 345) according to the present invention, the credit in conjunction with the credit payment server And a payment processing unit 305 for final payment approval processing of the amount corresponding to the payment amount through the card, and generating a predetermined payment approval history corresponding to the payment processing.

In addition, after the credit card payment approval possibility confirmation process (and / or card payment lock process) is performed, if not finally approved for a certain time, the payment processing unit 305 is the payment processing (for example, the card payment confirmation and And / or payment approval details corresponding to the card payment lock).

In addition, when the credit card payment error occurs in the process of confirming the credit card payment approval possibility, the payment processing unit 305 may generate a payment approval history corresponding to the payment processing.

According to the invention, the payment processing server 300 is characterized in that it comprises an information transmission unit 335 for providing the payment approval details to at least one or more customer communication means, wherein the customer communication means is a wireless message ( For example, a short message or a multimedia message) includes a customer-owned mobile communication terminal capable of receiving and / or at least one customer-owned e-mail address.

In addition, the information transmission unit 335 is characterized in that to provide the payment approval details to the merchant (or payment processing target) communication means corresponding to the payment merchant, wherein the merchant (or payment processing target) communication means The merchant includes at least one predetermined merchant terminal, and / or a mobile communication terminal of an affiliated store representative (or employee), and / or an email address of the affiliated store representative (or employee).

28 is a diagram illustrating an information providing process for wireless internet based payment processing according to an embodiment of the present invention.

More specifically, FIG. 28 is a diagram illustrating a process for processing a payment according to the present invention by connecting a wireless terminal on a payment processing system shown in FIG. 27 to a storage processing server performing a predetermined web server function through a predetermined wireless communication network. As an implementation method for an information providing process, a person having ordinary knowledge in the technical field to which the present invention pertains can refer to and / or modify this drawing 28 to correspond to the payment processing system shown in the drawing 21 based on the wireless Internet. Various implementation methods for the information providing process for payment processing may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In FIG. 28, the wireless terminal shown in FIG. 21 is referred to as " terminal " for convenience, and the storage processing server is referred to as " server " for convenience.

Referring to FIG. 28, when the terminal accesses the server through a predetermined wireless communication network and requests a payment processing according to the present invention after registering and / or logging in (2800), the server is a wireless terminal number for the terminal. Extract (2805).

According to another exemplary embodiment of the present invention, when the customer wireless terminal 345 number is stored in predetermined member information D / B (not shown) provided in the server, the predetermined customer wireless terminal 345 is transmitted to the terminal. The process of receiving the customer wireless terminal 345 number by providing a number input interface screen may be replaced by the process of extracting the customer wireless terminal 345 number from the member information D / B. This is not limited.

According to another exemplary embodiment of the present invention, an account for the terminal to log in to the server may be formed including the customer wireless terminal 345 number, whereby the present invention is not limited thereto.

Thereafter, the server extracts at least one payment affiliate store information stored in association with the customer wireless terminal 345 number from the storage medium 130 (2810) and includes the extracted at least one payment merchant information. A payment affiliated store selection interface screen is generated and provided to the terminal through the wireless communication network and output (2815). In response, the terminal selects a predetermined payment processing target payment affiliate store through the payment affiliated store selection interface screen and displays the server. Transmit (2820).

Thereafter, the server extracts at least one payment target information corresponding to the selected payment affiliate store from the storage medium 130 (2825), and generates a predetermined payment target selection interface screen including the payment target to the terminal. In operation 2830, the terminal selects a predetermined payment target through the payment target selection interface screen and transmits it to the server (2835).

Thereafter, the server extracts payment merchant information and payment amount information corresponding to the identified payment processing target information from the storage medium 130 (2840), and also associates with the wireless terminal number from the storage medium 130. The processed and stored credit card information is extracted (2845).

According to another exemplary embodiment of the present invention, the payment amount information may be received from the wireless terminal through the wireless internet protocol, and thus the present invention is not limited thereto.

29 is a flowchart illustrating a payment processing process using a credit card according to an embodiment of the present invention.

More specifically, Figure 29 is a payment processing process through the credit card information, payment amount information and payment merchant information obtained the process shown in Figure 28, the person having ordinary skill in the art to which the present invention belongs If various payment processing processes can be inferred by referring to and / or modifying the drawing 29, the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in the drawing 29.

Hereinafter, in FIG. 29, the payment processing server 300 shown in FIG. 27 is referred to as "server" for convenience.

Referring to FIG. 29, when credit card information, payment amount information, and payment merchant information are obtained through the process illustrated in FIG. 28, the server 300 stores the credit card information and the payment amount information in the server 300. By transmitting to the credit settlement server associated with (2900), it is checked whether it is possible to process the payment amount through the inquiry of the limit amount corresponding to the credit card (2905).

If it is determined that the payment amount cannot be processed through the credit card payment (2910), the credit settlement server returns a result of the payment processing impossible to the server (2915), and correspondingly the server 300 Generates a predetermined payment approval history including a credit card payment error result (2920), and provides the payment approval details to the wireless terminal (2925).

On the other hand, if the check result is able to process the payment amount through the credit card payment (2910), the credit settlement server returns a possible result of payment processing to the server 300 (2930).

30 illustrates a payment approval process using a credit card according to an embodiment of the present invention.

More specifically, FIG. 30 is a process for finally approving the payment through the wireless terminal after confirming that payment processing through the credit card is possible from the credit settlement server through the process shown in FIG. 29. Persons having ordinary skill in the art to which the present invention pertains may be able to infer various implementation methods for final approval of the payment process by referring to and / or modifying the drawing 30, but the present invention may be inferred from the above-described implementation. It includes all the methods, it is not limited to the embodiment shown in this figure.

For example, this drawing 30 is described as a final approval of the payment processing through a method of approval, and if one of ordinary skill in the art to which the present invention belongs, with reference to and / or modified this drawing 30 escrow It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

In the following figure 30, the payment processing server 300 shown in the figure 27 will be referred to as "server" for convenience.

Referring to FIG. 30, when it is confirmed that payment processing through the credit card payment is possible from the credit settlement server through the process illustrated in FIG. 29, the server 300 sends the credit card information to the credit settlement server. Request for approval of the credit card payment through payment amount information (3000), the credit settlement server corresponding to the payment amount of the credit card limit amount through the credit card information and payment amount information corresponding thereto The authorization processing is performed so that the amount is not authorized by another credit card payment request (3005).

According to another exemplary embodiment of the present invention, when the financial system 340 associated with the check card provides an escrow function, the credit card corresponds to the payment amount from the customer financial account through an escrow function instead of the credit card lock. It is also possible to withdraw the money and transfer it to a predetermined temporary account (for example, an escrow account), whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the customer deposit confirmation process and the customer financial account locking process (or escrow processing process) shown in FIG. 29 may be performed at once, and the present invention is not limited thereto.

Thereafter, the server requests predetermined authentication information for approving (or authenticating) the payment process to the wireless terminal through the wireless Internet (3010). In response, the wireless terminal requests the server through the wireless Internet. Provides predetermined authentication information for approving (or authenticating) the payment process.

If it is confirmed that the requested authentication information is provided from the wireless terminal (3015), the server extracts the stored customer authentication information stored in association with the wireless terminal number from the storage medium 130 (3020), the wireless By comparing and authenticating the authentication information confirmed from the terminal and the extracted customer authentication information, it is checked whether the payment processing is approved (3025).

If the payment process is not approved (3030), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment process is approved (3030), the server 300 provides the credit card information, payment amount information and the payment merchant information to the credit payment server (3035), and correspondingly the financial system 340 ) After the credit card payment for the payment amount is approved through the credit card information (3040), and returns the credit card payment results to the server 300 (3045).

Thereafter, the server 300 generates a predetermined payment approval history including the credit card payment processing result (3050), and outputs the payment approval details to the wireless terminal (3055).

31 is a diagram illustrating an information providing process for wireless internet based payment processing according to another embodiment of the present invention.

More specifically, FIG. 31 illustrates a method for processing a payment according to the present invention by connecting a wireless terminal on the payment processing system shown in FIG. 27 to a storage processing server performing a predetermined web server function through a predetermined wireless communication network. As an implementation method for an information providing process, a person having ordinary knowledge in the technical field to which the present invention pertains refers to a wireless Internet-based payment corresponding to the payment processing system shown in FIG. Various implementation methods for the information providing process for processing may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In Fig. 31, the wireless terminal shown in Fig. 21 is referred to as " terminal " for convenience, and the storage processing server is referred to as " server " for convenience.

Referring to FIG. 31, when the terminal accesses the server through a predetermined wireless communication network and requests a payment processing according to the present invention after registering and / or logging in (3100), the server is a wireless terminal number for the terminal. Extract (3105).

According to another exemplary embodiment of the present invention, when the customer wireless terminal 345 number is stored in predetermined member information D / B (not shown) provided in the server, the predetermined customer wireless terminal 345 is transmitted to the terminal. The process of receiving the customer wireless terminal 345 number by providing a number input interface screen may be replaced by the process of extracting the customer wireless terminal 345 number from the member information D / B. This is not limited.

According to another exemplary embodiment of the present invention, an account for the terminal to log in to the server may be formed including the customer wireless terminal 345 number, whereby the present invention is not limited thereto.

Thereafter, the server extracts at least one payment merchant information stored in association with the customer wireless terminal 345 number from the storage medium 130 (3110), and includes the extracted at least one payment merchant information. A payment affiliated store selection interface screen is generated and provided to the terminal through the wireless communication network and output (3115) .In response, the terminal selects a predetermined payment processing target payment affiliate store through the payment affiliated store selection interface screen and displays the server. Transmit (3120).

Thereafter, the server extracts at least one payment target information corresponding to the selected payment affiliate store from the storage medium 130 (3125), and generates a predetermined payment target selection interface screen including the payment target to the terminal. In operation 3130, the terminal selects a predetermined payment target through the payment target selection interface screen and transmits it to the server (3135).

Thereafter, the server performs payment processing according to the present invention through payment merchant information and payment amount information corresponding to the payment processing target information identified from the storage medium 130.

32 is a flowchart illustrating a payment approval process using a credit card according to another exemplary embodiment of the present invention.

In more detail, Figure 32 is a process for final approval of the payment through the wireless terminal, when the payment processing request information is obtained through the process shown in Figure 31, the present invention is conventional Those skilled in the art will be able to infer various implementation methods for final approval of the payment processing by referring to and / or modifying the drawing 32, but the present invention includes all the inferred implementation methods, and It is not limited to the implementation method shown by.

For example, the drawing 32 is described as a final approval of the payment processing through the approval method, and those skilled in the art to which the present invention belongs, refer to and / or modified this drawing 32 escrow It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

In the following Figure 32, the payment processing server 300 shown in Figure 27 is referred to as "server" for convenience.

Referring to FIG. 32, when the payment processing request information is obtained through the process illustrated in FIG. 31, the server 300 receives payment merchant information and payment amount information available for the payment processing from the storage medium 130. Extract (3200) and extract credit card information stored in association with the wireless terminal number from the storage medium 130 (3205).

Thereafter, the server requests (3210) predetermined authentication information for approving (or authenticating) the payment process to the wireless terminal through the wireless Internet, and correspondingly, the wireless terminal requests the server through the wireless Internet. In step 300, predetermined authentication information for approving (or authenticating) a payment process is provided.

If it is determined that the requested authentication information is provided from the wireless terminal (3215), the server 300 extracts the stored customer authentication information stored in association with the wireless terminal number from the storage medium 130 (3220). By comparing and authenticating the authentication information confirmed from the wireless terminal and the extracted customer authentication information, it is checked whether the payment process is approved (3225).

If the payment process is not approved (3230), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment processing is approved (3230), the server 300 provides the credit card information, payment amount information and the payment merchant information (3235) to the credit payment server, and correspondingly the financial system 340 ) After the credit card payment for the payment amount is approved through the credit card information (3240), and returns the credit card payment results to the server 300 (3245).

Thereafter, the server 300 generates a predetermined payment approval history including the credit card payment processing result (3250), and outputs the payment approval details to the wireless terminal (3255).

33 is a diagram showing a wireless Internet based payment system according to another embodiment of the present invention.

In more detail, FIG. 33 illustrates a predetermined wireless terminal when the storage medium 130 is stored in association with the customer wireless terminal 345 number, check card information, and payment processing target information for payment processing according to the present invention. As a method for implementing a payment system for performing a payment process according to the present invention, those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 33 to the storage medium 130 While the present invention can infer various implementation methods for a payment system corresponding to a case where a customer wireless terminal 345 number, check card information, and payment processing target information are stored in association with each other according to the present invention. It includes all the inferred method of implementation, whereby the present invention is not limited.

For example, in FIG. 33, the payment processing server 300 for processing payment according to the present invention is illustrated as one server, but the payment processing server 300 may be separated into at least two or more servers, whereby the present invention. This is not limited.

According to FIG. 33, the payment system receives predetermined payment processing request information from a predetermined wireless terminal through a predetermined wireless internet communication channel, and processes a financial settlement using check card information stored in the storage medium 130. It is characterized in that it comprises a payment processing server 300 which is linked through a predetermined financial system 340 and a predetermined interface means.

The check payment server is characterized by comprising at least one check payment server and the financial system 340.

The financial system 340 is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. The account system for handling window services such as credit or reception or trust or foreign exchange occurring in the above branch (or window), the information system for processing the headquarters business, branch office information support and customer information management, and the financial system 340 ) And / or interconnection between at least one other financial system 340 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc.) to access the financial system 340, and / or And an external system that provides various financial transaction interfaces through at least one common network (eg, a CD common network, a financial common network), and the financial system 340 is a component in the financial system. An interface module corresponding to a middleware platform providing inter-interfaces, and predetermined information (e.g., ledger information, and / or customer information, and / or) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing management information.

In addition, the financial system 340 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 340 and the purpose of the financial system 340. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 340, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the financial system 340 is linked to the payment processing server 300 through the interface means for payment processing according to the present invention, the external system provided in the financial system 340 is the payment It is preferable that a predetermined check payment unit interworking with the processing server 300 is provided.

According to the implementation method of the present invention, the check payment unit checks whether the amount corresponding to the payment amount requested from the payment merchant in the financial account corresponding to the check card information in connection with the payment processing server 300 and (E.g., confirming that a sufficient amount for payment processing of the payment amount is deposited), and returning the result to the payment processing server 300 is preferable.

According to an exemplary embodiment of the present invention, when an amount corresponding to a payment amount requested from the payment affiliate store is deposited in a financial account corresponding to the check card information (for example, a sufficient amount to process the payment amount) Is deposited), the check payment unit when the amount corresponding to the payment amount of money deposited in the financial account in connection with the payment processing server 300 is transferred to the financial account corresponding to the payment merchant; It is preferable to set a lock so as not to be withdrawn by another financial transaction request until, and when the payment is finally approved, the lock is released and corresponding to the payment amount from the financial account corresponding to the check card information It is preferable to withdraw the amount to be transferred to a financial account corresponding to the payment merchant.

According to another exemplary embodiment of the present invention, when the amount corresponding to the payment amount requested from the payment merchant is deposited in the financial account corresponding to the check card information (for example, sufficient to process the payment amount) If the amount is deposited, the check payment unit in connection with the payment processing server 300, the amount corresponding to the payment amount of the amount deposited in the financial account (e.g. escrow account) Account), and when the payment is finally approved, it is preferable to withdraw the amount deposited in the temporary account and transfer it to the financial account corresponding to the payment merchant.

Referring to FIG. 31, the payment processing server 300 may include a web interface unit 315 for connecting at least one wireless terminal and a wireless internet based communication channel through a predetermined wireless communication network.

The web interface unit 315 may include an interface for accessing the web server through a predetermined network means using a browser provided in at least one or more wireless terminals, and an interface for providing a predetermined web page to the wireless terminal. And at least one or more of an interface for receiving predetermined data from the wireless terminal through at least one form form included in the web page, and having a general knowledge in the technical field to which the present invention pertains. If so, the detailed processing and the role of the web interface unit 315 to allow the storage processing server to perform the function of the web server can be easily inferred, and a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the wireless communication network preferably comprises a CDMA stack-based mobile communication network, and may include the IEEE 802.16x-based portable Internet according to the intention of those skilled in the art.

According to an embodiment of the present invention, the web interface unit 315 may send a wireless message including a predetermined callback URL (CallbackURL) to post-authorize (or authenticate) the payment process according to the present invention through the wireless terminal. By transmitting, the payment processing post-approval and the like can be processed through the wireless terminal.

According to the present invention, the payment processing server 300 is characterized in that it comprises an information receiving unit 320 for receiving at least one or more payment processing request information from the wireless terminal through the web interface unit 315.

According to the present invention, the payment processing server 300 in the process of accessing the payment processing server 300 at least one or more wireless terminals through the web interface unit 315, the wireless terminal number for the wireless terminal Characterized in that it comprises an information confirmation unit 330 to confirm.

Those skilled in the art to which the present invention pertains, the information check unit 330 is familiar with how to check the wireless terminal number in the process of the wireless terminal is connected to the payment processing server 300. Therefore, detailed description thereof will be omitted for convenience.

In addition, the information confirming unit 330 extracts at least one or more payment processing target information stored in association with the customer wireless terminal 345 number from the storage medium 130 after the wireless terminal number is confirmed. The payment processing target information includes at least one or more payment merchant information, payment amount information, and payment target information registered by the customer.

According to the present invention, when the predetermined payment processing request information is received through the information receiving unit 320, the payment processing server 300 is associated with the customer wireless terminal 345 number from the storage medium 130. And extract the stored customer account information, and also in response to the payment processing request information, payment merchant information, payment amount information and payment target information, and / or payment target information and payment amount information to be used for payment processing according to the present invention. After extraction, the information processing unit 325 provides the check card information, payment merchant information, and payment amount information to the approval processing unit 310 and / or payment processing unit 305 provided in the payment processing server 300. Characterized in that the processing, so that the payment process according to the invention is performed.

Here, the payment merchant information necessary for the payment processing is information capable of payment processing through the check card information stored in the storage medium 130, preferably the payment merchant information (or payment terminal provided in the payment merchant) Corresponding terminal information, and / or account information corresponding to the payment affiliated store).

According to the present invention, the payment processing server 300 is the payment to the check payment server based on the check card information extracted from the storage medium 130 and the payment amount information through the information verification unit 330 Characterized in that it comprises a temporary approval processing unit 310 for requesting approval for the processing.

The approval processing unit 310 provides the check card information and the payment amount information to the check payment server through a predetermined interface means, thereby checking whether the payment amount can be processed through the check card. It is characterized in that the process of confirming the approval possibility.

According to an exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 345 number is a check card, the approval processing unit 310 sends the check card information and the payment amount information to the check payment server. By providing a, the amount deposited in the financial account associated with the check card performs a check check card payment approval possibility confirmation process for confirming that a sufficient amount is deposited to process the payment amount in a debit manner It is done.

If the check card payment approval possibility confirmation process is performed, and the payment amount can be processed through the check card payment, the approval processing unit 310 is linked with the check payment server to pay the check card Characterized in that the approval.

According to the exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 345 number is a check card, the approval processing unit 310 corresponds to the payment amount in association with the check payment server. Characterized in that the check payment lock process to prevent the amount is withdrawn by another financial transaction in the financial account associated with the check card.

According to another exemplary embodiment of the present invention, the approval processing unit 310 may process a check card payment approval possibility confirmation process and a card payment lock process in association with the check payment server, thereby limiting the present invention. Not.

According to another embodiment of the present invention, in the check card settlement, when the escrow function is provided in the financial system 340 in which the financial account associated with the check card is opened, the approval processing unit ( 310 may withdraw the amount corresponding to the payment amount from the financial account associated with the check card in connection with the check payment server and deposit it into a predetermined temporary account (eg, an escrow account). When the card payment lock process for the check card payment may be omitted, whereby the present invention is not limited.

In particular, when the card payment lock process for the check card is omitted, the check card payment approval possibility check process may be performed by the payment processing unit 305 provided in the payment processing server 300, whereby The invention is not limited.

According to the present invention, the payment processing server 300 checks in conjunction with the check payment server when the payment processing according to the present invention is finally approved (for example, when finally approved through the customer wireless terminal 345). And a payment processing unit 305 for final payment approval processing of the amount corresponding to the payment amount through the card, and generating a predetermined payment approval history corresponding to the payment processing.

Also, after the check card payment approval possibility confirmation process (and / or the card payment lock process) is performed, if the final approval is not performed for a predetermined time, the payment processing unit 305 may perform the payment process (for example, the card payment confirmation and the like). And / or payment approval details corresponding to the card payment lock).

In addition, when the check card payment error occurs while the check card payment approval possibility confirmation process is performed, the payment processing unit 305 may generate a payment approval history corresponding to the payment processing.

Here, the check card payment error is preferably made to include an error exceeding the limit amount, the check card payment error is preferably made to include a balance shortage error of the financial account associated with the check card.

According to the invention, the payment processing server 300 is characterized in that it comprises an information transmission unit 335 for providing the payment approval details to at least one or more customer communication means, wherein the customer communication means is a wireless message ( For example, a short message or a multimedia message) includes a customer-owned mobile communication terminal capable of receiving and / or at least one customer-owned e-mail address.

In addition, the information transmission unit 335 is characterized in that to provide the payment approval details to the merchant (or payment processing target) communication means corresponding to the payment merchant, wherein the merchant (or payment processing target) communication means The merchant includes at least one predetermined merchant terminal, and / or a mobile communication terminal of an affiliated store representative (or employee), and / or an email address of the affiliated store representative (or employee).

34 is a diagram illustrating an information providing process for wireless internet based payment processing according to an embodiment of the present invention.

More specifically, FIG. 34 shows a wireless terminal on the payment processing system shown in FIG. 33 for accessing the storage processing server performing a predetermined web server function through a predetermined wireless communication network to process payment according to the present invention. As an implementation method for an information providing process, a person having ordinary knowledge in the technical field to which the present invention pertains refers to a wireless Internet-based payment corresponding to the payment processing system shown in FIG. Various implementation methods for the information providing process for processing may be inferred, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

In FIG. 34, the wireless terminal shown in FIG. 21 is referred to as " terminal " for convenience, and the storage processing server is referred to as " server " for convenience.

Referring to FIG. 34, when the terminal accesses the server through a predetermined wireless communication network and requests a payment processing according to the present invention after registering and / or logging in (3400), the server is a wireless terminal number for the terminal. Extract (3405).

According to another exemplary embodiment of the present invention, when the customer wireless terminal 345 number is stored in predetermined member information D / B (not shown) provided in the server, the predetermined customer wireless terminal 345 is transmitted to the terminal. The process of receiving the customer wireless terminal 345 number by providing a number input interface screen may be replaced by the process of extracting the customer wireless terminal 345 number from the member information D / B. This is not limited.

According to another exemplary embodiment of the present invention, an account for the terminal to log in to the server may be formed including the customer wireless terminal 345 number, whereby the present invention is not limited thereto.

Thereafter, the server extracts at least one payment merchant information stored in association with the customer wireless terminal 345 number from the storage medium 130 (3410) and includes the extracted at least one payment merchant information. A payment affiliated store selection interface screen is generated and provided to the terminal through the wireless communication network and output (3415). In response, the terminal selects a predetermined payment processing target payment affiliate store through the payment affiliated store selection interface screen and displays the server. In operation 3420.

Thereafter, the server extracts at least one or more payment target information corresponding to the selected payment affiliate store from the storage medium 130 (3425), and generates a predetermined payment target selection interface screen including the payment target to the terminal. In operation 3430, the terminal selects a predetermined payment target through the payment target selection interface screen and transmits it to the server (3435).

Thereafter, the server extracts payment merchant information and payment amount information corresponding to the identified payment processing target information from the storage medium 130 (3440), and also associates with the wireless terminal number from the storage medium 130. The processed and stored check card information is extracted (3445).

According to another exemplary embodiment of the present invention, the payment amount information may be received from the wireless terminal through the wireless internet protocol, and thus the present invention is not limited thereto.

35 illustrates a payment processing process using a check card according to an embodiment of the present invention.

More specifically, Figure 35 is a payment processing process through the check card information, payment amount information and payment merchant information obtained the process shown in Figure 34, the person having ordinary skill in the art to which the present invention belongs If various payment processing procedures can be inferred by referring to and / or modifying the drawing 35, the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in the drawing 35.

Hereinafter, in FIG. 35, the payment processing server 300 shown in FIG. 33 is referred to as "server" for convenience.

Referring to FIG. 35, when check card information, payment amount information, and payment merchant information are obtained through the process illustrated in FIG. 34, the server 300 transmits the check card information and the payment amount information to the server 300. By transmitting to the check payment server associated with (3500), the balance of the financial account associated with the check card in connection with the financial system 340 opened the financial account associated with the check card in the check payment server is the payment amount Check whether it is possible to process the payment amount through the account balance inquiry (3505).

If it is determined that the payment amount cannot be processed through the check card payment (3510), the check payment server returns a result of impossible payment processing to the server 300 (3515), and correspondingly the server 300 generates a predetermined payment approval details including a check card payment error result (3520), and provides the payment approval details to the wireless terminal (3525).

On the other hand, if it is possible to process the payment amount through the check card payment as a result of the check (3510), the check payment server returns a possible result of payment processing to the server (300) (3530).

Figure 36 illustrates a payment approval process using a check card according to an embodiment of the present invention.

In more detail, FIG. 36 illustrates a process of finally approving the payment through the wireless terminal after confirming that payment processing through the check card is possible from the check payment server through the process shown in FIG. 35. Persons having ordinary skill in the art to which the present invention pertains may be able to infer various implementation methods for final approval of the payment processing by referring to and / or modifying the drawing 36, but the present invention may be inferred from the above-described implementation. All the methods are included, and the method is not limited to the embodiment shown in FIG.

For example, FIG. 36 illustrates a final approval of the payment process through an approval method, and a person skilled in the art to which the present invention pertains can refer to and / or modify this diagram 36 to escrow. It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

Hereinafter, in FIG. 36, the payment processing server 300 shown in FIG. 33 is referred to as "server" for convenience.

Referring to FIG. 36, when it is confirmed that payment processing through the check card payment is possible from the check payment server through the process illustrated in FIG. 35, the server 300 sends the check card information to the check payment server. Request for approval of the check card payment through payment amount information (3600), and correspondingly, the check payment server sets the amount deposited in the financial account associated with the check card through the check card information and the payment amount information. The authorization processing is performed to prevent the withdrawal by the other check card settlement request and / or another financial transaction request (3605).

According to another exemplary embodiment of the present invention, when the financial system 340 in which the financial account associated with the check card is opened provides an escrow function, the client account is transferred from the customer financial account through an escrow function instead of the check card lock. The amount corresponding to the settlement amount may be withdrawn and transferred to a predetermined temporary account (for example, an escrow account), whereby the present invention is not limited thereto.

Subsequently, the server 300 requests predetermined authentication information for approving (or authenticating) the payment process to the wireless terminal through the wireless Internet (3610). In response, the wireless terminal establishes the wireless Internet. It provides predetermined authentication information for approving (or authenticating) a payment process through the server.

If it is determined that the requested authentication information is provided from the wireless terminal (3615), the server 300 extracts the stored customer authentication information stored in association with the wireless terminal number from the storage medium 130 (3620). By comparing and authenticating the authentication information confirmed from the wireless terminal and the extracted customer authentication information, it is checked whether the payment process is approved (3625).

If the payment process is not approved (3630), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment processing is approved (3630), the server 300 provides the check card information, payment amount information and the payment merchant information to the check payment server (3635), corresponding to the financial system 340 ), After the check card payment for the payment amount is approved through the check card information (3640), and returns the check card payment results to the server (3645).

Thereafter, the server 300 generates a predetermined payment approval history including the check card payment processing result (3650), and outputs the payment approval details to the wireless terminal (3655).

37 is a diagram illustrating an information providing process for wireless internet based payment processing according to another embodiment of the present invention.

In more detail, FIG. 37 illustrates a method for processing a payment according to the present invention by accessing the storage processing server performing a predetermined web server function through a wireless communication network by a wireless terminal on the payment processing system shown in FIG. As an implementation method for the information providing process, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 37 to make a wireless Internet based payment corresponding to the payment processing system shown in FIG. Various implementation methods for the information providing process for processing may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In Fig. 37, the wireless terminal shown in Fig. 21 is referred to as " terminal " for convenience, and the storage processing server is referred to as " server " for convenience.

Referring to FIG. 37, when the terminal accesses the server through a predetermined wireless communication network and requests a payment process according to the present invention after registering and / or logging in (3700), the server 300 is connected to the terminal. The wireless terminal number is extracted (3705).

According to another exemplary embodiment of the present invention, when the customer wireless terminal 345 number is stored in predetermined member information D / B (not shown) provided in the server 300, a predetermined customer wireless terminal is stored in the terminal. The process of receiving the customer wireless terminal 345 number by providing a number input interface screen may be replaced with a process of extracting the customer wireless terminal 345 number from the member information D / B. The present invention is not limited by this.

According to another exemplary embodiment of the present invention, an account in which the terminal logs in to the server 300 may include the customer wireless terminal 345 number, whereby the present invention is not limited thereto.

Thereafter, the server 300 extracts at least one payment merchant information stored in association with the customer wireless terminal 345 number from the storage medium 130 (3710), and the extracted at least one payment merchant information. Generate and display a payment merchant selection interface screen including the wireless communication network to the terminal (3715), and in response, the terminal selects a predetermined payment processing target payment merchant through the payment merchant selection interface screen. And transmits to the server (3720).

Thereafter, the server 300 extracts at least one payment target information corresponding to the selected payment affiliate store from the storage medium 130 (3725), and generates a predetermined payment target selection interface screen including the payment target. The terminal selects a predetermined payment target through the payment target selection interface screen (3730) and sends it to the server (3735).

Thereafter, the server 300 performs the payment processing according to the present invention through payment merchant information and payment amount information corresponding to the payment processing target information identified from the storage medium 130.

38 illustrates a payment approval process using a check card according to another embodiment of the present invention.

In more detail, FIG. 38 illustrates a process of finally approving the payment through the wireless terminal when the payment processing request information is obtained through the process illustrated in FIG. 37. Those skilled in the art will be able to infer various implementation methods for final approval of the payment processing by referring to and / or modifying this drawing 38, but the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown.

For example, FIG. 38 illustrates the final approval of the payment process through an approval method, and a person skilled in the art to which the present invention pertains may refer to and / or modify this diagram 38 to escrow. It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

Hereinafter, the payment processing server 300 shown in FIG. 33 is referred to as "server" in FIG.

Referring to FIG. 38, when the payment processing request information is obtained through the process illustrated in FIG. 37, the server 300 may provide payment merchant information and payment amount information available for the payment processing from the storage medium 130. Extracts (3800) and extracts the stored check card information associated with the radio terminal number from the storage medium 130 (3805).

Thereafter, the server 300 requests predetermined authentication information for approving (or authenticating) the payment process to the wireless terminal through the wireless Internet (3810). In response, the wireless terminal establishes the wireless Internet. The server 300 provides predetermined authentication information for approving (or authenticating) a payment process.

If it is confirmed that the requested authentication information is provided from the wireless terminal (3815), the server 300 extracts and stores the customer authentication information stored in association with the wireless terminal number from the storage medium 130 (3820). By comparing and authenticating the authentication information confirmed from the wireless terminal and the extracted customer authentication information, it is checked whether the payment processing is approved (3825).

If the payment process is not approved (3830), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment processing is approved (3830), the server 300 provides the check card information, payment amount information and the payment merchant information (3835) to the check payment server, and correspondingly the financial system 340 ), After approval processing of the check card payment for the payment amount through the check card information (3840), and returns the check card payment results to the server (3845).

Thereafter, the server 300 generates a predetermined payment approval history including the check card payment processing result (3850), and outputs the payment approval details to the wireless terminal (3855).

39 illustrates a voice call based payment system according to an embodiment of the present invention.

More specifically, FIG. 39 shows a predetermined wireless terminal when the storage medium 130 is stored in association with the customer wireless terminal 345 number, customer account information, and payment processing target information for payment processing according to the present invention. As a method for implementing a payment system for performing a payment process according to the present invention by connecting a call channel, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 39 and store the above information. Various implementation methods for the payment system corresponding to the case where the customer wireless terminal 345 number, the customer account information, and the payment processing target information for payment processing according to the present invention are stored in the medium 130 in association with each other may be inferred. However, the present invention includes all of the above-described inferred method, and the present invention is not limited thereto.

For example, in FIG. 39, the payment processing server 300 for processing payment according to the present invention is illustrated as one server, but the payment processing server 300 may be separated into at least two or more servers. This is not limited.

According to FIG. 39, the payment system connects a predetermined wireless terminal with a communication channel, and a predetermined financial system 340 and a predetermined financial system for processing a financial settlement using customer account information stored in the storage medium 130. Characterized in that it comprises a payment processing server 300 linked through the interface means.

The financial system 340 is a computer system provided in a predetermined financial institution, and has a function of providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one or more financial transaction customers. The payment processing server 300 is linked to the payment processing server 300 through a predetermined interface means (for example, a network means for connecting the financial system 340 and an external communication network) for payment processing according to the present invention.

The financial system 340 is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. The account system for handling window services such as credit or reception or trust or foreign exchange occurring in the above branch (or window), the information system for processing the headquarters business, branch office information support and customer information management, and the financial system 340 ) And / or interconnection between at least one other financial system 340 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc.) to access the financial system 340, and / or And an external system that provides various financial transaction interfaces through at least one common network (eg, a CD common network, a financial common network), and the financial system 340 is a component in the financial system. An interface module corresponding to a middleware platform providing inter-interfaces, and predetermined information (e.g., ledger information, and / or customer information, and / or) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing management information.

In addition, the financial system 340 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 340 and the purpose of the financial system 340. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 340, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the financial system 340 is linked to the payment processing server 300 through the interface means for payment processing according to the present invention, the external system provided in the financial system 340 is the payment It is preferable that a predetermined financial settlement unit interworking with the processing server 300 is provided.

According to the implementation method of the present invention, the financial settlement unit checks whether the amount corresponding to the payment amount requested from the payment merchant is deposited in the financial account corresponding to the customer account information in connection with the payment processing server 300 and (E.g., confirming that a sufficient amount for payment processing of the payment amount is deposited), and returning the result to the payment processing server 300 is preferable.

According to an exemplary embodiment of the present invention, when an amount corresponding to a payment amount requested from the payment affiliate store is deposited in a financial account corresponding to the customer account information (for example, a sufficient amount to process the payment amount) Is deposited), the financial settlement unit when the amount corresponding to the payment amount of money deposited in the financial account in connection with the payment processing server 300 is transferred to the financial account corresponding to the payment merchant; It is preferable to set a lock so as not to be withdrawn by another financial transaction request until, and when the payment is finally approved, the lock is released, corresponding to the payment amount from the financial account corresponding to the customer account information It is preferable to withdraw the amount to be transferred to a financial account corresponding to the payment merchant.

According to another embodiment of the present invention, when the amount corresponding to the payment amount requested from the payment merchant is deposited in the financial account corresponding to the customer account information (for example, sufficient to process the payment amount) If the amount is deposited, the financial settlement unit in connection with the payment processing server 300 a predetermined temporary account (e.g. Escrow account) of the amount corresponding to the payment amount of the amount deposited in the financial account Account), and when the payment is finally approved, it is preferable to withdraw the amount deposited in the temporary account and transfer it to the financial account corresponding to the payment merchant.

Referring to FIG. 39, the payment processing server 300 performs a call connection procedure for at least one or more wireless terminals through a predetermined wireless communication network, thereby connecting the wireless terminal and a call channel for payment processing according to the present invention. It is characterized in that it comprises a call path setting unit 355, whereby the payment processing server 300 performs an Automatic Response Service (ARS) server function for a wireless terminal connected to the wireless communication network.

For those skilled in the art, the call path setting unit 355 performs a predetermined call connection procedure with the wireless terminal through a predetermined wireless communication network for payment processing according to the present invention. Since you will be familiar with how to connect the call channel, a detailed description thereof will be omitted for convenience.

According to the present invention, the payment processing server 300 is connected to at least one wireless terminal and a communication channel through the call path setting unit 355 (for example, performing a call connection procedure), the wireless And an information confirmation unit 330 for confirming the radio terminal number in association with the radio communication network to which the terminal is connected (for example, through a caller ID display function provided in the radio communication network).

Those skilled in the art to which the present invention belongs, the wireless information through the caller ID display function provided in the wireless communication network connected to the wireless terminal in the process of performing the call connection procedure of the information check unit 330 Since you will be familiar with how to check the terminal number, a detailed description thereof will be omitted for convenience.

In addition, the information confirming unit 330 extracts at least one or more payment processing target information stored in association with the customer wireless terminal 345 number from the storage medium 130 after the wireless terminal number is confirmed. The payment processing target information may include at least one or more payment merchant information, payment amount information, and payment target information registered by the customer.

According to another exemplary embodiment of the present invention, when the information checking unit 330 cannot confirm the wireless terminal number through a caller ID display function provided in the wireless communication network to which the wireless terminal is connected (for example, When the caller ID display rejection function is set), the information checking unit 330 sends the voice information providing unit 360 provided in the payment processing server 300 to the wireless terminal and a key tone corresponding to the wireless terminal number. It is possible to induce to generate, and to receive and confirm the radio terminal number through the signal processing unit 350 provided in the payment processing server 300, whereby the present invention is not limited.

According to the present invention, the payment processing server 300 converts the payment processing target information into voice information when the information checking unit 330 extracts at least one payment processing target information from the storage medium 130. And a voice information providing unit 360 provided to the wireless terminal through the call path setting unit 355, wherein the voice information providing unit 360 voices the payment processing target information. The method for converting the information into the wireless terminal through the call path setting unit 355 may first provide at least one affiliate store information included in the payment processing target information to the wireless terminal in association with a predetermined number. And / or providing payment target information and payment amount information corresponding to the payment merchant information to the wireless terminal in association with a predetermined number. Is done.

In addition, the voice information providing unit 360 processes the guide information for inducing the customer to generate at least one or more key signals for payment processing according to the present invention through a wireless terminal in the form of voice information to set the call path It is characterized in that provided to the wireless terminal through the 355, the key tone generated in the wireless terminal is received by the signal processing unit 350 provided in the payment processing server 300.

In addition, the voice information providing unit 360, through the call path setting unit 355 to confirm the validity of the payment processing according to the present invention, the key signal corresponding to the predetermined customer authentication information to the wireless terminal Characterized in that the guidance information to guide to generate in the form of voice information, characterized in that the key signal sound generated in the wireless terminal is received by the signal processing unit 350 provided in the payment processing server 300.

In the technical field to which the present invention pertains, the voice information providing unit 360 converts the payment processing target information into voice information and guides the wireless terminal through the call path setting unit 355. And / or guide information for generating at least one key signal for payment processing according to the present invention in the form of voice information to provide to the wireless terminal through the call path setting unit 355. Since you will be familiar with the method, such a detailed description will be omitted for convenience.

The tone processing unit 350 provided in the payment processing server 300 processes the key signal generated by the wireless terminal through the call setting unit in a dual frequency multi-frequency (DTMF) scheme to "0 to 9". The number and the "*" code and "#" code, characterized in that the conversion, and the number and code is provided to the information processing unit 325 provided in the payment processing server 300.

Those skilled in the art to which the present invention belongs, the signal tone processing unit 350 processes the key tone generated in the wireless terminal through the call setting unit in a complex frequency code (DTMF) method "0 ~ 9" Until you will be familiar with the technical features of converting numbers with "*" and "#" signs, detailed description thereof will be omitted for convenience.

The information processing unit 325 included in the payment processing server 300 may include at least one or more information corresponding to payment processing target information provided to the wireless terminal by the voice information providing unit 360 through the tone processing unit 350. And payment settlement selection information, payment object and payment amount selection information, and the payment according to the present invention in response to the payment merchant selection information and payment object and payment amount selection information from the storage medium 130. It is characterized by extracting the payment merchant information and payment amount information necessary for processing.

In this case, the payment merchant information required for the payment processing is information capable of payment processing through the customer account information stored in the storage medium 130, and preferably includes account information corresponding to the payment merchant. .

In addition, when the payment merchant information and payment amount information necessary for payment processing according to the present invention is extracted from the storage medium 130, the information processing unit 325 is the information confirmation unit 330 from the storage medium 130 It is characterized by extracting the customer account information stored in the storage medium 130 is processed in conjunction with the confirmed customer wireless terminal 345 number.

When the customer account information, payment merchant information and payment amount information is extracted as described above, the information processing unit 325 is provided with the extracted customer account information, payment merchant information and payment amount information in the payment processing server 300 By providing the authorization processing unit 310 and / or payment processing unit 305, the payment processing according to the present invention is processed.

According to another exemplary embodiment of the present invention, the voice information providing unit 360, the signal processing unit 350, and the information processing unit 325 interoperate with each other to generate a key tone corresponding to the payment amount information from the customer wireless terminal 345. It can be obtained by generating, by which the present invention is not limited.

In addition, when the predetermined information is received from the wireless terminal through the tone processor 350, the information processor 325 confirms the customer wireless terminal from the storage medium 130 to the information checker 330. (345) extracting the customer authentication information stored in association with the number, and comparing and authenticating the authentication information received through the tone processing unit 350 and the customer authentication information extracted from the storage medium 130, the payment processing It is characterized in that for checking the validity.

According to the present invention, the payment processing server 300 is based on the customer account information and the payment amount information (or payment amount information extracted from the payment processing target information) to the financial system 340 to the payment processing; Characterized in that it comprises a temporary approval processing unit 310 for requesting approval for the authorization.

The approval processing unit 310 provides the customer account information and the payment amount information to the financial system 340 (eg, the financial settlement unit) through a predetermined interface means, thereby providing a financial account corresponding to the customer account information. Characterized in that the customer account confirmation process for confirming whether a sufficient amount for payment processing the payment amount information is deposited.

If as a result of performing the customer account verification process, a sufficient amount for depositing the payment amount information is deposited in the financial account corresponding to the customer account information, the approval processing unit 310 is the financial system In operation 340, for example, a financial account corresponding to the customer account information, the financial account corresponding to the customer account information performs a customer account lock process for setting a lock so that the amount corresponding to the payment amount is not withdrawn by another financial transaction. It is characterized by.

According to another exemplary embodiment of the present invention, the approval approval processor 310 may process the customer account confirmation process and the customer account lock process in association with the financial system 340 (eg, the financial settlement unit). The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when an escrow function is provided in the financial system 340 (for example, the financial settlement unit), the approval system 310 performs the financial system 340 ( For example, in the financial account corresponding to the customer account information in connection with the financial settlement unit, a customer account lock process for setting a lock to prevent the amount corresponding to the payment amount from being withdrawn by another financial transaction may be omitted. The present invention is not limited by this.

In particular, when the customer account lockout process is omitted, the customer account confirmation process may be performed by the payment processing unit 305 provided in the payment processing server 300, and the present invention is not limited thereto.

According to the present invention, when the payment processing according to the present invention is finally approved, the payment processing server 300 is based on the customer account information, payment merchant information and payment amount information based on the financial system 340 (eg, financial The amount corresponding to the payment amount is withdrawn from the financial account corresponding to the customer account information (and / or the escrow function is provided in the financial system 340) in connection with the payment account). It is characterized in that it comprises a payment processing unit 305 for depositing a payment amount) to be deposited in a financial account corresponding to the payment merchant.

In addition, the payment processing unit 305 after the payment processing is completed through the financial system 340, characterized in that for generating a predetermined payment approval history corresponding to the payment processing, wherein the payment approval details The voice information providing unit 360 is preferably provided to the wired terminal.

In addition, if the final confirmation for a predetermined time after the customer account confirmation process (and / or customer account lock process) is performed, the payment processing unit 305 is the payment processing (eg, customer account confirmation and / or customer It is characterized in that the payment approval history corresponding to the account lock) is generated, wherein the payment approval details are provided to the wired terminal through the voice information providing unit 360.

In addition, in the process of confirming the customer account, if a sufficient amount for payment processing of the payment amount is not deposited in the financial account corresponding to the customer account information, the payment processing unit 305 performs the payment. Characterized in that the payment approval history corresponding to the processing (for example, customer account deposit assistance), wherein the payment approval details are preferably provided to the wired terminal through the voice information providing unit 360.

According to the invention, the payment processing server 300 is characterized in that it comprises an information transmission unit 335 for providing the payment approval details to at least one or more customer communication means, wherein the customer communication means is a wireless message ( For example, a short message or a multimedia message) includes a customer-owned mobile communication terminal capable of receiving and / or at least one customer-owned e-mail address.

In addition, the information transmission unit 335 is characterized in that to provide the payment approval details to the merchant (or payment processing target) communication means corresponding to the payment merchant, wherein the merchant (or payment processing target) communication means The merchant includes at least one predetermined merchant terminal, and / or a mobile communication terminal of an affiliated store representative (or employee), and / or an email address of the affiliated store representative (or employee).

40 is a diagram illustrating a process of receiving customer account-based payment processing information from a wireless terminal according to one embodiment of the present invention.

More specifically, Figure 40 is an embodiment of the method for receiving payment processing information for payment processing according to the present invention from the wireless terminal on the payment system shown in Figure 39, which is a general knowledge in the art If you have, it will be able to infer various implementation methods for receiving payment processing information for payment processing according to the present invention from the wireless terminal by referring to and / or modifying the present figure 40, the present invention is inferred implementation method It includes all, and is not limited to the embodiment shown in FIG.

Referring to FIG. 40, the wireless terminal performs a predetermined call connection procedure through a wireless communication network for payment processing according to the present invention to connect a call channel with the server (4000). The wireless terminal number is identified 4005 in association with a communication network (eg, through a caller ID function).

If the wireless terminal number is not confirmed (4010), the server requests to provide the wireless terminal number to the wireless terminal through the call channel (for example, outputs a voice announcement) (4015), and correspondingly The radio terminal provides the radio terminal number to the server through a predetermined key tone (4020).

On the other hand, if the wireless terminal number is confirmed (4010), and / or provided with the wireless terminal number from the wireless terminal (4020), the server is processed in connection with the wireless terminal number from the storage medium 130 stored payment processing By extracting target information (4025) and providing the payment processing target information through the call channel, a predetermined payment merchant for payment processing according to the present invention is selected from at least one payment merchant included in the payment processing target. Request (eg, output a voice announcement).

If the payment merchant selection information in the form of a key tone is received from the wireless terminal (4035), the server requests the wireless terminal to select a payment amount and / or a payment target corresponding to the payment affiliate store through the communication channel ( For example, the voice announcements are output (4040).

If the payment payment amount and payment object selection information in the form of a key tone is received from the wireless terminal (4045), the server extracts payment merchant information and payment amount information available for the payment processing from the storage medium 130. In operation 4055, the stored account information is extracted from the storage medium 130 in association with the wireless terminal number.

41 is a flowchart illustrating a payment processing process using a customer account according to an embodiment of the present invention.

More specifically, Figure 41 is a payment processing process through the customer account information, payment amount information and payment merchant information obtained in the process shown in Figure 40, having a general knowledge in the technical field to which the present invention belongs If one grows up, various payment processing processes may be inferred by referring to and / or modifying the drawing 41, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in the drawing 41.

In the following Figure 41, the payment processing server 300 shown in Figure 39 is referred to as "server" for convenience.

Referring to FIG. 41, when the customer account information, the payment amount information, and the payment merchant information are obtained through the process illustrated in FIG. 40, the server associates the customer account information and the payment amount information with the server (or the By transmitting to the financial system 340, the financial account corresponding to the customer account information (4100), it is possible to settle the payment amount through the deposit deposited in the financial account corresponding to the customer account. (4105).

If the check result indicates that the payment amount cannot be settled through the deposit deposited in the financial account corresponding to the customer account (4110), the financial system 340 returns a result of the settlement processing impossible to the server; In response thereto, the server generates a predetermined payment approval history including a result of a customer account deposit shortage error (4120), and provides the payment approval details to the wireless terminal (4125).

On the other hand, if the check result is able to process the payment amount through the deposit deposited in the financial account corresponding to the customer account (4110), the financial system 340 returns the settlement processing result to the server ( 4130).

42 is a flowchart illustrating a payment approval process using a customer account according to an embodiment of the present invention.

In more detail, FIG. 42 shows that the payment process is possible through the deposit deposited in the financial account corresponding to the customer account from the financial system 340 through the process shown in FIG. As a process for final approval of the payment through the present invention, those of ordinary skill in the art to which the present invention pertains, various analogous implementation methods for final approval of the payment processing by referring to and / or modified in this drawing 42 It should be noted that the present invention encompasses all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

For example, the drawing 42 is described as a final approval of the payment processing through the approval method, and those skilled in the art to which the present invention belongs, refer to and / or modified this drawing 42 escrow It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

In the following Figure 42, the payment processing server 300 shown in Figure 39 is referred to as "server" for convenience.

Referring to FIG. 42, when it is confirmed through the process shown in FIG. 41 that payment processing through deposits deposited in the financial account corresponding to the customer account is possible, the server 300 Requests the financial system 340 to lock the financial account corresponding to the customer account information through the customer account information and the payment amount information (4200), and the financial system 340 corresponds to the customer account. The process of locking the customer financial account is performed through the information and the payment amount information (4205).

According to another exemplary embodiment of the present invention, when the financial system 340 provides an escrow function, an amount corresponding to the settlement amount is withdrawn from the customer financial account through an escrow function instead of the customer account lock. It is also possible to transfer to a temporary account (e.g., an escrow account), and the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the customer deposit confirmation process and the customer financial account locking process (or escrow processing process) shown in FIG. 41 may be performed in one batch, and the present invention is not limited thereto.

Thereafter, the server 300 requests predetermined authentication information to the wireless terminal through the call channel (4210). If the requested authentication information is confirmed from the wireless terminal (4215), the server 300 The customer extracts the stored customer authentication information stored in association with the wireless terminal number from the storage medium 130 (4220), and compares and authenticates the authentication information checked from the wireless terminal and the extracted customer authentication information, the payment Check whether the processing is approved (4225).

If the payment process is not approved (4230), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment process is approved 4230, the server 300 provides the financial system 340 with the customer account information, the payment amount information, and the payment merchant information (eg, account information corresponding to the payment merchant). In response (4235), the financial system 340 releases the lock on the customer financial account through the customer account information, and withdraws the amount corresponding to the payment amount from the customer financial account to the payment affiliated store. After depositing to the financial account corresponding to (4240), and returns the account transfer result to the server (4245).

Thereafter, the server 300 generates a predetermined payment approval history including the payment processing result (4250), and outputs the payment approval details to the wireless terminal (4255).

43 is a diagram illustrating a process of receiving customer account-based payment processing information from a wireless terminal according to another embodiment of the present invention.

More specifically, FIG. 43 is an embodiment of a method of receiving payment processing information for payment processing according to the present invention from a wireless terminal on the payment system shown in FIG. 39, and the general knowledge in the technical field to which the present invention pertains. If it is a person having, it will be able to infer various implementation methods for receiving payment processing information for payment processing according to the present invention from the wireless terminal by referring to and / or modifying the present Figure 43, the present invention is inferred implementation method It includes all, and is not limited to the embodiment shown in FIG.

Referring to FIG. 43, the wireless terminal performs a predetermined call connection procedure through a wireless communication network for payment processing according to the present invention to connect a call channel with the server (4300). The wireless terminal number is identified in association with a communication network (eg, through a caller ID function) (4305).

If the wireless terminal number is not confirmed (4310), the server requests to provide the wireless terminal number to the wireless terminal through the call channel (eg, outputs a voice announcement) (4315), and correspondingly The wireless terminal provides a corresponding wireless terminal number to the server through a predetermined key tone (4320).

On the other hand, if the wireless terminal number is confirmed (4310), and / or provided with the corresponding wireless terminal number from the wireless terminal (4320), the server is processed in connection with the wireless terminal number from the storage medium 130 stored payment processing By extracting target information (4325) and providing the payment processing target information through the call channel, a predetermined payment merchant for payment processing according to the present invention is selected from at least one payment merchant included in the payment processing target. Request (eg, output a voice announcement).

If the payment merchant selection information in the form of a key tone is received from the wireless terminal (4335), the server requests the wireless terminal to select a payment amount and / or a payment target corresponding to the payment merchant through the communication channel ( For example, the voice announcement is output) (4340).

If the payment payment amount and payment object selection information in the form of a key tone is received from the wireless terminal (4345), the server performs a payment processing process using the obtained payment processing information.

44 is a flowchart illustrating a payment approval process using a customer account according to another embodiment of the present invention.

In more detail, FIG. 44 illustrates a process of finally approving the payment through the wireless terminal when the payment processing information is obtained through the process illustrated in FIG. 43, which is common in the art. Those skilled in the art will be able to infer various implementation methods for final approval of the payment process by referring to and / or modifying this drawing 44, but the present invention includes all of the inferred implementation methods, It is not limited to the implementation method shown.

For example, the drawing 44 is described as a final approval of the payment process through a method of approving, and a person of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawing 44 to escrow. It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

In the following Figure 44, the payment processing server 300 shown in Figure 39 is referred to as "server" for convenience.

Referring to FIG. 44, when the payment processing information is obtained through the process illustrated in FIG. 43, the server 300 obtains payment merchant information and payment amount information available for the payment processing from the storage medium 130. 4400, and extracts stored customer account information from the storage medium 130 in association with the wireless terminal number (4405).

Thereafter, the server 300 requests predetermined authentication information to the wireless terminal through the call channel (4410). If the requested authentication information is confirmed from the wireless terminal (4415), the server stores the storage. Extracting the customer authentication information stored in association with the wireless terminal number stored in the medium 130 (4420), by comparing and authenticating the authentication information confirmed from the wireless terminal and the extracted customer authentication information, whether the payment processing is approved or not Check (4425).

If the payment process is not approved (4430), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment processing is approved (4430), the server 300 provides the customer account information, payment amount information and the payment merchant information (for example, account information corresponding to the payment merchant) to the financial system 340. In response (4435), the financial system 340 releases the lock on the customer financial account through the customer account information, and withdraws the amount corresponding to the payment amount from the customer financial account to the payment affiliated store. After depositing to the financial account corresponding to (4440), and returns the account transfer result to the server 300 (4445).

Thereafter, the server 300 generates a predetermined payment approval history including the payment processing result (4450), and outputs the payment approval details to the wireless terminal (4455).

45 is a diagram illustrating a voice call-based payment system according to another embodiment of the present invention.

More specifically, FIG. 45 shows a predetermined wireless terminal when the storage medium 130 is stored in association with the customer wireless terminal 345 number, credit card information, and payment processing target information for payment processing according to the present invention. As an implementation method for a payment system for performing a payment process according to the present invention by connecting a call channel through the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 45 and store the above information. Various implementation methods for the payment system corresponding to the case where the customer wireless terminal 345 number, credit card information, and payment processing target information for payment processing according to the present invention are stored in the medium 130 in association can be inferred. However, the present invention includes all of the above-described inferred method, and the present invention is not limited thereto.

For example, in FIG. 45, the payment processing server 300 for processing a payment according to the present invention is illustrated as one server. However, the payment processing server 300 may be separated into at least two servers. This is not limited.

According to FIG. 45, the payment system connects a predetermined wireless terminal with a communication channel, and a predetermined financial system 340 and a predetermined financial system for processing financial settlement using credit card information stored in the storage medium 130. Characterized in that it comprises a payment processing server 300 linked through the interface means.

The credit settlement server is characterized in that the post-payment payment processing of the payment amount requested by the customer in a short distance at least one or more credit limit amount for the customer.

Referring to FIG. 45, the payment processing server 300 connects a call channel for payment processing according to the present invention by performing a call connection procedure for at least one wireless terminal through a predetermined wireless communication network. It is characterized in that it comprises a call path setting unit 355, whereby the payment processing server 300 performs an Automatic Response Service (ARS) server function for a wireless terminal connected to the wireless communication network.

For those skilled in the art, the call path setting unit 355 performs a predetermined call connection procedure with the wireless terminal through a predetermined wireless communication network for payment processing according to the present invention. Since you will be familiar with how to connect the call channel, a detailed description thereof will be omitted for convenience.

According to the present invention, the payment processing server 300 is connected to at least one wireless terminal and a communication channel through the call path setting unit 355 (for example, performing a call connection procedure), the wireless The terminal is connected to a wireless communication network (for example, through the caller ID display function provided in the wireless communication network) characterized in that it comprises an information confirmation unit 330 for confirming the wireless terminal number.

Those skilled in the art to which the present invention belongs, the wireless information through the caller ID display function provided in the wireless communication network connected to the wireless terminal in the process of performing the call connection procedure of the information check unit 330 Since you will be familiar with how to check the terminal number, a detailed description thereof will be omitted for convenience.

In addition, the information confirming unit 330 extracts at least one or more payment processing target information stored in association with the customer wireless terminal 345 number from the storage medium 130 after the wireless terminal number is confirmed. The payment processing target information may include at least one or more payment merchant information, payment amount information, and payment target information registered by the customer.

According to another exemplary embodiment of the present invention, when the information checking unit 330 cannot confirm the wireless terminal number through a caller ID display function provided in the wireless communication network to which the wireless terminal is connected (for example, When the caller ID display rejection function is set), the information checking unit 330 sends the voice information providing unit 360 provided in the payment processing server 300 to the wireless terminal and a key tone corresponding to the wireless terminal number. It is possible to induce to generate, and to receive and confirm the radio terminal number through the signal processing unit 350 provided in the payment processing server 300, whereby the present invention is not limited.

According to the present invention, the payment processing server 300 converts the payment processing target information into voice information when the information checking unit 330 extracts at least one payment processing target information from the storage medium 130. And a voice information providing unit 360 provided to the wireless terminal through the call path setting unit 355, wherein the voice information providing unit 360 voices the payment processing target information. The method for converting the information into the wireless terminal through the call setting unit may first provide at least one affiliate store information included in the payment processing target information to the wireless terminal in association with a predetermined number, and / or the And providing the payment target information and the payment amount information corresponding to payment merchant information to the wireless terminal in association with a predetermined number. Lose.

In addition, the voice information providing unit 360 processes the guide information for inducing the customer to generate at least one or more key signals for payment processing according to the present invention through a wireless terminal in the form of voice information to set the call path It is characterized in that provided to the wireless terminal through the 355, the key tone generated in the wireless terminal is received by the signal processing unit 350 provided in the payment processing server 300.

In addition, the voice information providing unit 360 to confirm the validity of the payment processing according to the present invention, the key ring tone corresponding to the predetermined customer authentication information to the wireless terminal through the call path setting unit 355 Characterized in that the guidance information to guide to generate in the form of voice information, characterized in that the key tone generated in the wireless terminal is received by the signal processing unit 350 provided in the payment processing server 300.

In the technical field to which the present invention pertains, the voice information providing unit 360 converts the payment processing target information into voice information and guides the wireless terminal through the call path setting unit 355. And / or guide information for generating at least one key signal for payment processing according to the present invention in the form of voice information and providing the same to the wireless terminal through the call path setting unit 355. Since it will be familiar with, etc., detailed description thereof will be omitted for convenience.

The tone processing unit 350 provided in the payment processing server 300 processes the key signal generated by the wireless terminal through the call setting unit in a dual frequency multi-frequency (DTMF) scheme to "0 to 9". The number and the "*" code and "#" code, characterized in that the conversion, and the number and code is provided to the information processing unit 325 provided in the payment processing server 300.

If the person skilled in the art to which the present invention pertains, the signal tone processing unit 350 processes the key tone generated by the wireless terminal through the call path setting unit by using a complex frequency code (DTMF) scheme to perform "0 to 9". You will be familiar with the technical features for converting numbers to "*" and "#" symbols, so that detailed descriptions are omitted.

The information processing unit 325 included in the payment processing server 300 may include at least one or more information corresponding to payment processing target information provided to the wireless terminal by the voice information providing unit 360 through the tone processing unit 350. And payment selection information, payment object and payment amount selection information, and the payment processing according to the present invention corresponding to the payment merchant selection information and payment object and payment amount selection information from the storage medium 130. It is characterized by extracting the payment merchant information and payment amount information required for.

Here, the payment merchant information required for the payment processing is information capable of payment processing through the credit card information stored in the storage medium 130, preferably in the payment terminal information (or payment terminal provided in the payment merchant) Corresponding terminal information).

In addition, when the payment merchant information and payment amount information necessary for payment processing according to the present invention is extracted from the storage medium 130, the information processing unit 325 is the information confirmation unit 330 from the storage medium 130 It is characterized by extracting the credit card information stored in the storage medium 130 is processed in conjunction with the confirmed customer wireless terminal 345 number.

When the credit card information, payment merchant information and payment amount information is extracted as described above, the information processing unit 325 is provided with the extracted credit card information, payment merchant information and payment amount information in the payment processing server 300 By providing the authorization processing unit 310 and / or payment processing unit 305, the payment processing according to the present invention is processed.

According to another exemplary embodiment of the present invention, the voice information providing unit 360, the signal processing unit 350, and the information processing unit 325 interoperate with each other to generate a key tone corresponding to the payment amount information from the customer wireless terminal 345. It can be obtained by generating, by which the present invention is not limited.

In addition, when the predetermined information is received from the wireless terminal through the tone processor 350, the information processor 325 confirms the customer wireless terminal from the storage medium 130 to the information checker 330. (345) extracting the customer authentication information stored in association with the number, and comparing and authenticating the authentication information received through the tone processing unit 350 and the customer authentication information extracted from the storage medium 130, the payment processing It is characterized in that for checking the validity.

According to the present invention, the payment processing server 300 is the payment to the credit settlement server based on the credit card information and the payment amount information extracted from the storage medium 130 through the information verification unit 330 Characterized in that it comprises a temporary approval processing unit 310 for requesting approval for the processing.

The approval processing unit 310 provides the credit card information and the payment amount information to the credit settlement server through a predetermined interface means, so that the credit card payment checks whether the payment amount can be processed through the credit card. It is characterized in that the process of confirming the approval possibility.

According to an exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 345 number is a credit card, the approval processing unit 310 sends the credit card information and the payment amount information to the credit settlement server. By providing, characterized in that for performing the credit card payment approval possibility confirmation process for confirming that the credit card payment processing within the credit card limit amount range.

If it is possible to process the payment amount through the credit card payment as a result of performing the credit card payment approval confirmation process, the authorization processing unit 310 is linked with the credit payment server to pay the credit card Characterized in that the approval.

According to an exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 345 number is a credit card, the authorization processing unit 310 is an amount corresponding to the payment amount in connection with the credit settlement server. It is characterized in that the credit payment lock process is performed so that payment is not processed by the other credit request.

According to another exemplary embodiment of the present invention, the approval processing unit 310 may process a credit card payment approval possibility confirmation process and a card payment lock process in association with the credit settlement server, thereby limiting the present invention. Not.

According to the present invention, if the payment processing server 300 is finally approved (for example, when the final approval through the customer wireless terminal 345) according to the present invention, the credit in conjunction with the credit payment server And a payment processing unit 305 for final payment approval processing of the amount corresponding to the payment amount through the card, and generating a predetermined payment approval history corresponding to the payment processing.

In addition, after the credit card payment approval possibility confirmation process (and / or card payment lock process) is performed, if not finally approved for a certain time, the payment processing unit 305 is the payment processing (for example, the card payment confirmation and And / or payment approval details corresponding to the card payment lock).

In addition, when the credit card payment error occurs in the process of confirming the credit card payment approval possibility, the payment processing unit 305 may generate a payment approval history corresponding to the payment processing.

According to the invention, the payment processing server 300 is characterized in that it comprises an information transmission unit 335 for providing the payment approval details to at least one or more customer communication means, wherein the customer communication means is a wireless message ( For example, a short message or a multimedia message) includes a customer-owned mobile communication terminal capable of receiving and / or at least one customer-owned e-mail address.

In addition, the information transmission unit 335 is characterized in that to provide the payment approval details to the merchant (or payment processing target) communication means corresponding to the payment merchant, wherein the merchant (or payment processing target) communication means The merchant includes at least one predetermined merchant terminal, and / or a mobile communication terminal of an affiliated store representative (or employee), and / or an email address of the affiliated store representative (or employee).

46 is a diagram illustrating a process of receiving credit card based payment processing information from a wireless terminal according to one embodiment of the present invention.

More specifically, Figure 46 is an embodiment of the method for receiving payment processing information for payment processing according to the present invention from a wireless terminal on the payment system shown in Figure 45, which is a general knowledge in the art If you have, it will be able to infer various implementation methods for receiving payment processing information for payment processing according to the present invention from the wireless terminal by referring to and / or modifying the present 46, the present invention is inferred implementation method It includes all, and is not limited to the embodiment shown in FIG.

46, the wireless terminal performs a predetermined call connection procedure through a wireless communication network for payment processing according to the present invention to connect a call channel with the server (4600). The wireless terminal number is identified in association with a communication network (eg, through a caller ID function) (4605).

If the wireless terminal number is not confirmed (4610), the server requests to provide the wireless terminal number to the wireless terminal through the call channel (e.g., outputs a voice announcement) (4615). The wireless terminal provides the corresponding wireless terminal number to the server through a predetermined key tone (4620).

On the other hand, if the wireless terminal number is confirmed (4610), and / or provided with the corresponding wireless terminal number from the wireless terminal (4620), the server is processed in connection with the wireless terminal number from the storage medium 130 stored payment processing By extracting target information (4625) and providing the payment processing target information through the call channel, a predetermined payment merchant for payment processing according to the present invention is selected from at least one payment merchant included in the payment processing target. Request (eg, output a voice announcement).

If the payment merchant selection information in the form of a key tone is received from the wireless terminal (4635), the server requests the wireless terminal to select a payment amount and / or a payment target corresponding to the payment affiliated store through the communication channel ( For example, the voice announcement is output (step 4640).

If the payment payment amount and payment object selection information in the form of a key tone is received from the wireless terminal (4645), the server extracts payment merchant information and payment amount information available for the payment processing from the storage medium 130. In operation 4655, the credit card information extracted from the storage medium 130 in association with the wireless terminal number is stored (4655).

47 is a flowchart illustrating a payment processing process using a credit card according to an embodiment of the present invention.

More specifically, Figure 47 is a payment processing process through the credit card information, payment amount information and payment merchant information obtained in the process shown in Figure 46, the person having ordinary skill in the art to which the present invention belongs If not, the various payment processing procedures may be inferred by referring to and / or modifying the drawing 47, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in the drawing 47.

In the following Figure 47, the payment processing server 300 shown in Figure 45 is referred to as "server" for convenience.

Referring to FIG. 47, when credit card information, payment amount information, and payment merchant information are obtained through the process shown in FIG. 46, the server 300 sends the credit card information and the payment amount information to the server 300. By transmitting to the credit settlement server associated with (4700), it is checked whether it is possible to process the payment amount through the limit amount inquiry corresponding to the credit card (4705).

If the check result is unable to process the payment amount through the credit card payment (4710), the credit settlement server returns a result of the payment processing impossible to the server (4715), and correspondingly the server 300 Generates a predetermined payment approval history including a credit card payment error result (4720), and provides the payment approval details to the wireless terminal (4725).

On the other hand, if the check result is able to process the payment amount through the credit card payment (4710), the credit settlement server returns a result capable of payment processing to the server 300 (4730).

48 illustrates a payment approval process using a credit card according to an embodiment of the present invention.

More specifically, FIG. 48 illustrates a process of finally approving the payment through the wireless terminal after confirming that payment processing through the credit card is possible from the credit settlement server through the process shown in FIG. 47. As those skilled in the art to which the present invention pertains may refer, various embodiments of the present invention may be inferred by referring to and / or modifying the drawing 48, but the present invention is inferred from It includes all implementation methods and is not limited to the implementation method shown in FIG.

For example, this drawing 48 is described as a final approval of the payment process through a method of approval, and if one of ordinary skill in the art to which the present invention belongs, refer to and / or modified this drawing 48 escrow It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

Hereinafter, the payment processing server 300 shown in FIG. 45 in this drawing 48 will be referred to as "server" for convenience.

Referring to FIG. 48, when it is confirmed that payment processing through the credit card payment is possible from the credit settlement server through the process illustrated in FIG. 47, the server 300 sends the credit card information to the credit settlement server. The approval request for the credit card payment is requested through payment amount information (4800). In response, the credit settlement server corresponds to the payment amount of the credit card limit amount through the credit card information and the payment amount information. An authorization process is performed so that the amount is not authorized by another credit card payment request (4805).

According to another exemplary embodiment of the present invention, when the financial system 340 associated with the check card provides an escrow function, the credit card corresponds to the payment amount from the customer financial account through an escrow function instead of the credit card lock. The money may be withdrawn and transferred to a predetermined temporary account (for example, an escrow account), whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the customer deposit confirmation process and the customer financial account locking process (or escrow processing process) shown in FIG. 47 may be performed in one batch, and the present invention is not limited thereto.

Thereafter, the server requests predetermined authentication information from the wireless terminal through the communication channel (4810). If the requested authentication information is confirmed from the wireless terminal (4815), the server requests the storage medium 130. Extract the customer authentication information stored in association with the wireless terminal number (4820), and compare and authenticate the authentication information checked from the wireless terminal and the extracted customer authentication information to confirm whether the payment processing is approved. (4825).

If the payment process is not approved (4830), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment processing is approved (4830), the server provides the credit card information, payment amount information and the payment merchant information (4835) to the credit payment server, and correspondingly the financial system 340 is After the credit card payment for the payment amount is approved through credit card information (4840), the credit card payment result is returned to the server 300 (4845).

Thereafter, the server 300 generates a predetermined payment approval history including the credit card payment processing result (4850), and provides the payment approval details to the wireless terminal for output (4855).

49 is a diagram illustrating a process of receiving credit card based payment processing information from a wireless terminal according to another embodiment of the present invention.

More specifically, Figure 49 is an embodiment of the method for receiving payment processing information for payment processing according to the present invention from the wireless terminal on the payment system shown in Figure 45, which is a general knowledge in the art If it is a person having, it will be able to infer various implementation methods for receiving payment processing information for payment processing according to the present invention from the wireless terminal by referring to and / or modifying the Figure 49, the present invention is inferred implementation method It includes all, and is not limited to the embodiment shown in Figure 49.

Referring to FIG. 49, the wireless terminal performs a predetermined call connection procedure through a wireless communication network for payment processing according to the present invention to connect a call channel with the server (4900). The wireless terminal number is identified in association with the communication network (eg, through a caller ID function) (4905).

If the wireless terminal number is not confirmed (4910), the server requests to provide the wireless terminal number to the wireless terminal through the call channel (eg, outputs a voice announcement) (4915), and correspondingly The wireless terminal provides the corresponding wireless terminal number to the server through a predetermined key beep (4920).

On the other hand, if the wireless terminal number is confirmed (4910), and / or provided with the corresponding wireless terminal number from the wireless terminal (4920), the server is processed in association with the wireless terminal number from the storage medium 130 stored payment processing By extracting target information (4925) and providing the payment processing target information through the call channel, a predetermined payment merchant for payment processing according to the present invention is selected from at least one payment merchant included in the payment processing target. Request (eg, output a voice announcement).

If the payment merchant selection information in the form of a key tone is received from the wireless terminal (4935), the server requests the wireless terminal to select a payment amount and / or a payment target corresponding to the payment merchant through the communication channel ( For example, the voice guidance message is output (4940).

If the payment payment amount and payment target selection information in the form of a key tone are received from the wireless terminal (4945), the server performs a payment processing process using the obtained payment processing information.

Figure 50 illustrates a payment approval process using a credit card according to another embodiment of the present invention.

In more detail, Figure 50 is a process for final approval of the payment through the wireless terminal, when the payment processing information is obtained through the process shown in Figure 49, the general knowledge in the technical field to which the present invention belongs Persons having the present invention may infer various implementation methods for finally approving the payment processing by referring to and / or modifying the drawing 50, but the present invention includes all the inferred implementation methods, and is shown in this drawing 50. It is not limited to the implemented method.

For example, this drawing 50 is described as a final approval of the payment process through a method of approval, and if one of ordinary skill in the art to which the present invention belongs, refer to and / or modified this drawing 50 escrow It will be possible to infer a method of performing the final approval of the payment processing through the method, and the present invention includes an implementation method of finally approving the payment processing through the escrow method.

Hereinafter, in the drawing 50, the payment processing server 300 shown in the drawing 45 will be referred to as "server" for convenience.

Referring to FIG. 50, when the payment processing information is obtained through the process illustrated in FIG. 49, the server 300 obtains payment merchant information and payment amount information available for the payment processing from the storage medium 130. Extraction (5000), and extracts the stored credit card information associated with the radio terminal number from the storage medium 130 (5005).

Thereafter, the server 300 requests predetermined authentication information to the wireless terminal through the call channel (5010). If the requested authentication information is confirmed from the wireless terminal (5015), the server stores the storage. Extracting the customer authentication information stored in association with the wireless terminal number stored in the medium 130 (5020), by comparing and authenticating the authentication information and the extracted customer authentication information confirmed from the wireless terminal, whether the payment processing is approved or not Check (5025).

If the payment process is not approved (5030), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment processing is approved (5030), the server 300 provides the credit card information, payment amount information and the payment merchant information to the credit payment server (5035), corresponding to the financial system 340 ) After the credit card payment for the payment amount is approved through the credit card information (5040), and returns the credit card payment results to the server 300 (5045).

Thereafter, the server 300 generates a predetermined payment approval history including the credit card payment processing result (5050), and outputs the payment approval details to the wireless terminal (5055).

51 is a diagram illustrating a voice call-based payment system according to another embodiment of the present invention.

In more detail, FIG. 51 shows a predetermined wireless terminal when the storage medium 130 is stored in association with the customer wireless terminal 345 number, check card information, and payment processing target information for payment processing according to the present invention. As an implementation method for a payment system for performing a payment process according to the present invention by connecting a call channel through the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 51 and store the above information. Various implementation methods for the payment system corresponding to the case where the customer wireless terminal 345 number, the check card information, and the payment processing target information for the payment processing according to the present invention are stored in the medium 130 in association can be inferred. However, the present invention includes all of the above-described inferred method, and the present invention is not limited thereto.

For example, in FIG. 51, the payment processing server 300 for processing payment according to the present invention is illustrated as one server, but the payment processing server 300 may be separated into at least two or more servers. This is not limited.

According to FIG. 51, the payment system connects a predetermined wireless terminal with a call channel, and a predetermined financial system 340 and a predetermined bank to process a financial settlement using the check card information stored in the storage medium 130. Characterized in that it comprises a payment processing server 300 linked through the interface means.

The check payment server is characterized by comprising at least one check payment server and the financial system 340.

The financial system 340 is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. The account system for handling window services such as credit or reception or trust or foreign exchange occurring in the above branch (or window), the information system for processing the headquarters business, branch office information support and customer information management, and the financial system 340 ) And at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking) provided on at least one external communication network and / or interconnection between at least one other financial system 340 (and / or payment system) IC chip-based wireless banking, tele banking, TV banking, etc.) to access the financial system 340, and / or Is characterized in that it comprises an external system that provides a variety of financial transaction interface through at least one common network (eg CD common network, financial common network), and the financial system 340 is configured in the financial system An interface module corresponding to a middleware platform that provides inter-element interfacing, and predetermined information (eg, ledger information, and / or customer information, and / or information required for each function in a component in the financial system); and / Or a DBMS (DataBase Management System) including at least one database for storing and managing management information.

In addition, the financial system 340 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 340 and the purpose of the financial system 340. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 340, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the financial system 340 is connected to the payment processing server 300 through the interface means for payment processing according to the present invention, the external system provided in the financial system 340 is It is preferable that a predetermined check payment unit interworking with the payment processing server 300 is provided.

According to the implementation method of the present invention, the check payment unit checks whether the amount corresponding to the payment amount requested from the payment merchant in the financial account corresponding to the check card information in connection with the payment processing server 300 and (E.g., confirming that a sufficient amount for payment processing of the payment amount is deposited), and returning the result to the payment processing server 300 is preferable.

According to an exemplary embodiment of the present invention, when an amount corresponding to a payment amount requested from the payment affiliate store is deposited in a financial account corresponding to the check card information (for example, a sufficient amount to process the payment amount) Is deposited), the check payment unit when the amount corresponding to the payment amount of money deposited in the financial account in connection with the payment processing server 300 is transferred to the financial account corresponding to the payment merchant; It is preferable to set a lock so as not to be withdrawn by another financial transaction request until, and when the payment is finally approved, the lock is released and corresponding to the payment amount from the financial account corresponding to the check card information It is preferable to withdraw the amount to be transferred to a financial account corresponding to the payment merchant.

According to another exemplary embodiment of the present invention, when the amount corresponding to the payment amount requested from the payment merchant is deposited in the financial account corresponding to the check card information (for example, sufficient to process the payment amount) If the amount is deposited, the check payment unit in connection with the payment processing server 300, the amount corresponding to the payment amount of the amount deposited in the financial account (e.g. escrow account) Account), and when the payment is finally approved, it is preferable to withdraw the amount deposited in the temporary account and transfer it to the financial account corresponding to the payment merchant.

Referring to FIG. 51, the payment processing server 300 connects the wireless terminal with a call channel for payment processing according to the present invention by performing a call connection procedure for at least one wireless terminal through a predetermined wireless communication network. It is characterized in that it comprises a call path setting unit 355, whereby the payment processing server 300 performs an Automatic Response Service (ARS) server function for a wireless terminal connected to the wireless communication network.

For those skilled in the art, the call path setting unit 355 performs a predetermined call connection procedure with the wireless terminal through a predetermined wireless communication network for payment processing according to the present invention. Since you will be familiar with how to connect the call channel, a detailed description thereof will be omitted for convenience.

According to the present invention, the payment processing server 300 is connected to at least one wireless terminal and a communication channel through the call path setting unit 355 (for example, performing a call connection procedure), the wireless The terminal is connected to a wireless communication network (for example, through the caller ID display function provided in the wireless communication network) characterized in that it comprises an information confirmation unit 330 for confirming the wireless terminal number.

Those skilled in the art to which the present invention belongs, the wireless information through the caller ID display function provided in the wireless communication network connected to the wireless terminal in the process of performing the call connection procedure of the information check unit 330 Since you will be familiar with how to check the terminal number, a detailed description thereof will be omitted for convenience.

In addition, the information confirming unit 330 extracts at least one or more payment processing target information stored in association with the customer wireless terminal 345 number from the storage medium 130 after the wireless terminal number is confirmed. The payment processing target information may include at least one or more payment merchant information, payment amount information, and payment target information registered by the customer.

According to another exemplary embodiment of the present invention, when the information checking unit 330 cannot confirm the wireless terminal number through a caller ID display function provided in the wireless communication network to which the wireless terminal is connected (for example, When the caller ID display rejection function is set), the information checking unit 330 sends the voice information providing unit 360 provided in the payment processing server 300 to the wireless terminal and a key tone corresponding to the wireless terminal number. It is possible to induce to generate, and to receive and confirm the radio terminal number through the signal processing unit 350 provided in the payment processing server 300, whereby the present invention is not limited.

According to the present invention, the payment processing server 300 converts the payment processing target information into voice information when the information checking unit 330 extracts at least one payment processing target information from the storage medium 130. And a voice information providing unit 360 provided to the wireless terminal through the call path setting unit 355, wherein the voice information providing unit 360 voices the payment processing target information. The method for converting the information into the wireless terminal through the call setting unit may first provide at least one affiliate store information included in the payment processing target information to the wireless terminal in association with a predetermined number, and / or the And providing the payment target information and the payment amount information corresponding to payment merchant information to the wireless terminal in association with a predetermined number. Lose.

In addition, the voice information providing unit 360 processes the guide information for inducing the customer to generate at least one or more key signals for payment processing according to the present invention through a wireless terminal in the form of voice information to set the call path It is characterized in that provided to the wireless terminal through the 355, the key tone generated in the wireless terminal is received by the signal processing unit 350 provided in the payment processing server (300).

In addition, the voice information providing unit 360, through the call path setting unit 355 to confirm the validity of the payment processing according to the present invention, the key signal corresponding to the predetermined customer authentication information to the wireless terminal Characterized in that the guidance information to guide to generate in the form of voice information, characterized in that the key signal sound generated in the wireless terminal is received by the signal processing unit 350 provided in the payment processing server 300.

In the technical field to which the present invention pertains, the voice information providing unit 360 converts the payment processing target information into voice information and guides the wireless terminal through the call path setting unit 355. And / or guide information for generating at least one key signal for payment processing according to the present invention in the form of voice information and providing the same to the wireless terminal through the call path setting unit 355. Since it will be familiar with, etc., detailed description thereof will be omitted for convenience.

The tone processing unit 350 provided in the payment processing server 300 processes the key signal generated by the wireless terminal through the call setting unit in a dual frequency multi-frequency (DTMF) scheme to "0 to 9". The number and the "*" code and "#" code, characterized in that the conversion, and the number and code is provided to the information processing unit 325 provided in the payment processing server 300.

Those skilled in the art to which the present invention belongs, the signal tone processing unit 350 processes the key tone generated in the wireless terminal through the call setting unit in a complex frequency code (DTMF) method "0 ~ 9" Until you will be familiar with the technical features of converting numbers with "*" and "#" signs, detailed description thereof will be omitted for convenience.

The information processing unit 325 included in the payment processing server 300 may include at least one or more information corresponding to payment processing target information provided to the wireless terminal by the voice information providing unit 360 through the tone processing unit 350. And payment selection information, payment object and payment amount selection information, and the payment processing according to the present invention corresponding to the payment merchant selection information and payment object and payment amount selection information from the storage medium 130. It is characterized by extracting the payment merchant information and payment amount information required for.

Here, the payment merchant information necessary for the payment processing is information capable of payment processing through the check card information stored in the storage medium 130, preferably the payment merchant information (or payment terminal provided in the payment merchant) Corresponding terminal information, and / or account information corresponding to the payment affiliated store).

In addition, when the payment merchant information and payment amount information necessary for payment processing according to the present invention is extracted from the storage medium 130, the information processing unit 325 is the information confirmation unit 330 from the storage medium 130 It is characterized by extracting the check card information stored in the storage medium 130 is processed in association with the customer wireless terminal 345 confirmed by.

When the check card information, payment merchant information and payment amount information is extracted as described above, the information processing unit 325 is provided with the extracted check card information, payment merchant information and payment amount information in the payment processing server 300. By providing the authorization processing unit 310 and / or payment processing unit 305, the payment processing according to the present invention is processed.

According to another exemplary embodiment of the present invention, the voice information providing unit 360, the signal processing unit 350, and the information processing unit 325 interoperate with each other to generate a key tone corresponding to the payment amount information from the customer wireless terminal 345. It can be obtained by generating, by which the present invention is not limited.

In addition, when the predetermined information is received from the wireless terminal through the tone processor 350, the information processor 325 confirms the customer wireless terminal from the storage medium 130 to the information checker 330. (345) extracting the customer authentication information stored in association with the number, and comparing and authenticating the authentication information received through the tone processing unit 350 and the customer authentication information extracted from the storage medium 130, the payment processing It is characterized in that for checking the validity.

According to the present invention, the payment processing server 300 is the payment to the check payment server based on the check card information extracted from the storage medium 130 and the payment amount information through the information verification unit 330 Characterized in that it comprises a temporary approval processing unit 310 for requesting approval for the processing.

The approval processing unit 310 provides the check card information and the payment amount information to the check payment server through a predetermined interface means, thereby checking whether the payment amount can be processed through the check card. It is characterized in that the process of confirming the approval possibility.

According to an exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 345 number is a check card, the approval processing unit 310 sends the check card information and the payment amount information to the check payment server. By providing a, characterized in that the amount deposited in the financial account associated with the check card performs a check card payment approval possibility confirmation process to check whether a sufficient amount is deposited to process the payment amount by debit method do.

If the check card payment approval possibility confirmation process is performed, and the payment amount can be processed through the check card payment, the approval processing unit 310 is linked with the check payment server to the check card It is characterized by the approval of the settlement.

According to an exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 345 number is a check card, the approval processing unit 310 is an amount corresponding to the payment amount in connection with the check payment server. In the financial account associated with the check card is characterized in that to perform a check payment lock process to prevent withdrawal by another financial transaction.

According to another exemplary embodiment of the present invention, the approval processing unit 310 may process a check card payment approval possibility confirmation process and a card payment lock process in association with the check payment server, thereby limiting the present invention. Not.

According to another embodiment of the present invention, in the check card settlement, when the escrow function is provided in the financial system 340 in which the financial account associated with the check card is opened, the approval processing unit ( 310 may withdraw the amount corresponding to the payment amount from the financial account associated with the check card in connection with the check payment server and deposit it into a predetermined temporary account (eg, an escrow account). When the card payment lock process for the check card payment may be omitted, whereby the present invention is not limited.

In particular, when the card payment lock process for the check card is omitted, the check card payment approval possibility check process may be performed by the payment processing unit 305 provided in the payment processing server 300, whereby The invention is not limited.

According to the present invention, the payment processing server 300 checks in conjunction with the check payment server when the payment processing according to the present invention is finally approved (for example, when finally approved through the customer wireless terminal 345). And a payment processing unit 305 for final payment approval processing of the amount corresponding to the payment amount through the card, and generating a predetermined payment approval history corresponding to the payment processing.

Also, after the check card payment approval possibility confirmation process (and / or the card payment lock process) is performed, if the final approval is not performed for a predetermined time, the payment processing unit 305 may perform the payment process (for example, the card payment confirmation and the like). And / or payment approval details corresponding to the card payment lock).

In addition, when the check card payment error occurs while the check card payment approval possibility confirmation process is performed, the payment processing unit 305 may generate a payment approval history corresponding to the payment processing.

Here, the check card payment error is preferably made to include an error exceeding the limit amount, the check card payment error is preferably made to include a balance shortage error of the financial account associated with the check card.

According to the invention, the payment processing server 300 is characterized in that it comprises an information transmission unit 335 for providing the payment approval details to at least one or more customer communication means, wherein the customer communication means is a wireless message ( For example, a short message or a multimedia message) includes a customer-owned mobile communication terminal capable of receiving and / or at least one customer-owned e-mail address.

In addition, the information transmission unit 335 is characterized in that to provide the payment approval details to the merchant (or payment processing target) communication means corresponding to the payment merchant, wherein the merchant (or payment processing target) communication means The merchant includes at least one predetermined merchant terminal, and / or a mobile communication terminal of an affiliated store representative (or employee), and / or an email address of the affiliated store representative (or employee).

52 is a diagram illustrating a process of receiving check card based payment processing information from a wireless terminal according to one embodiment of the present invention.

More specifically, Figure 52 is an embodiment of the method for receiving payment processing information for payment processing according to the present invention from the wireless terminal on the payment system shown in Figure 51, which is a general knowledge in the art If it is a person having, it will be able to infer various implementation methods for receiving payment processing information for payment processing according to the present invention from the wireless terminal with reference to and / or modifying the Figure 52, the present invention is inferred implementation method It includes all, and is not limited to the embodiment shown in FIG.

Referring to FIG. 52, the wireless terminal performs a predetermined call connection procedure through a wireless communication network for payment processing according to the present invention to connect a call channel with the server (5200). The wireless terminal number is identified in association with the communication network (eg, through a caller ID function) (5205).

If the wireless terminal number is not confirmed (5210), the server requests to provide the wireless terminal number to the wireless terminal through the call channel (eg, outputs a voice announcement) (5215), and correspondingly The wireless terminal provides the corresponding wireless terminal number to the server through a predetermined key tone (5220).

On the other hand, if the wireless terminal number is confirmed (5210), and / or provided with the wireless terminal number from the wireless terminal (5220), the server is processed in connection with the wireless terminal number from the storage medium 130 stored payment processing By extracting target information (5225) and providing the payment processing target information through the call channel, a predetermined payment merchant for payment processing according to the present invention is selected from at least one payment merchant included in the payment processing target. Request (eg, output a voice announcement).

If the payment merchant selection information in the form of a key tone is received from the wireless terminal (5235), the server requests the wireless terminal to select a payment amount and / or a payment target corresponding to the payment affiliate store through the communication channel ( For example, the voice announcements are output (5240).

If the payment payment amount and payment target selection information in the form of a key tone is received from the wireless terminal (5245), the server extracts payment merchant information and payment amount information available for the payment processing from the storage medium 130. In operation 5255, the stored check card information is extracted from the storage medium 130 in association with the wireless terminal number.

53 is a flowchart illustrating a payment processing process using a check card according to an embodiment of the present invention.

In more detail, Figure 53 is a payment processing process through the check card information, payment amount information and payment merchant information obtained the process shown in Figure 52, the person having ordinary skill in the art to which the present invention belongs If various payment processing procedures can be inferred by referring to and / or modifying the drawing 53, the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in the drawing 53.

In the drawing 53, the payment processing server 300 shown in the drawing 51 will be referred to as " server " for convenience.

Referring to FIG. 53, when check card information, payment amount information, and payment merchant information are obtained through the process illustrated in FIG. 52, the server 300 sends the check card information and the payment amount information to the server 300. By transmitting to the check payment server associated with (5300), the balance of the financial account associated with the check card in connection with the financial system 340 opened the financial account associated with the check card in the check payment server is the payment amount It is checked whether it is possible to process the payment amount through the account balance inquiry whether it is deposited enough to make a payment (5305).

If it is determined that the payment amount cannot be processed through the check card payment (5310), the check payment server returns a result of the payment processing impossible to the server 300 (5315), and correspondingly the server 300 generates a predetermined payment approval details including a check card payment error result (5320), and provides the payment approval details to the wireless terminal (5325).

On the other hand, if it is possible to process the payment amount through the check card payment as a result of the check (5310), the check payment server returns to the server 300 results of the payment process possible (5330).

54 is a flowchart illustrating a payment approval process using a check card according to an embodiment of the present invention.

More specifically, FIG. 54 illustrates a process of finally approving the payment through the wireless terminal after confirming that payment processing through the check card is possible from the check payment server through the process shown in FIG. 53. Persons having ordinary skill in the art to which the present invention pertains may be able to infer various implementation methods for finally approving the payment processing by referring to and / or modifying the drawing 54. It includes all the methods, and is not limited to the embodiment shown in FIG.

For example, the drawing 54 is described as a final approval of the payment processing through a method of approval, and if one of ordinary skill in the art to which the present invention belongs, refer to and / or modified this drawing 54 escrow It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

In the following Figure 54, the payment processing server 300 shown in Figure 51 is referred to as "server" for convenience.

Referring to FIG. 54, when it is confirmed that payment processing through the check card payment is possible from the check payment server through the process illustrated in FIG. 53, the server 300 sends the check card information to the check payment server. The approval request for the check card payment is requested through payment amount information (5400), and correspondingly, the check payment server sets the amount deposited in the financial account associated with the check card through the check card information and the payment amount information. The authorization processing is performed to prevent the withdrawal by the other check card settlement request and / or another financial transaction request (5405).

According to another exemplary embodiment of the present invention, when the financial system 340 in which the financial account associated with the check card is opened provides an escrow function, the client account is transferred from the customer financial account through an escrow function instead of the check card lock. The amount corresponding to the settlement amount may be withdrawn and transferred to a predetermined temporary account (for example, an escrow account), whereby the present invention is not limited thereto.

Thereafter, the server requests predetermined authentication information from the wireless terminal through the communication channel (5410). If the requested authentication information is confirmed from the wireless terminal (5415), the server 300 stores the storage. Extracting the customer authentication information stored in association with the wireless terminal number stored in the medium 130 (5420), by comparing and authenticating the authentication information confirmed from the wireless terminal and the extracted customer authentication information, whether the payment processing is approved or not Check (5425).

If the payment process is not approved (5430), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment process is approved (5430), the server 300 provides the check card information, payment amount information and the payment merchant information (5435) to the check payment server, and correspondingly the financial system 340 ), After approval processing of the check card payment for the payment amount through the check card information (5440), and returns the check card payment results to the server (5445).

Thereafter, the server 300 generates a predetermined payment approval history including the check card payment processing result (5450), and provides the payment approval details to the wireless terminal and outputs the generated payment approval (5545).

55 is a diagram illustrating a process of receiving check card-based payment processing information from a wireless terminal according to another embodiment of the present invention.

More specifically, FIG. 55 is an embodiment of a method for receiving payment processing information for payment processing according to the present invention from a wireless terminal on the payment system shown in FIG. 51. If you have, it will be able to infer various implementation methods for receiving payment processing information for payment processing according to the present invention from the wireless terminal by referring to and / or modified in this figure 55, the present invention is inferred implementation method It includes all, and is not limited to the embodiment shown in Figure 55.

Referring to FIG. 55, the wireless terminal connects a call channel with the server 300 by performing a predetermined call connection procedure through a wireless communication network for payment processing according to the present invention (5500). 300 confirms the wireless terminal number in connection with the wireless communication network (eg, through a caller ID function) (5505).

If the wireless terminal number is not confirmed (5510), the server 300 requests to provide the wireless terminal number to the wireless terminal through the call channel (for example, to output a voice announcement) (5515) In response, the wireless terminal provides the corresponding wireless terminal number to the server through a predetermined key beep (5520).

On the other hand, if the wireless terminal number is confirmed (5510), and / or provided with the wireless terminal number from the wireless terminal (5520), the server is processed in connection with the wireless terminal number from the storage medium 130 stored payment processing By extracting target information (5525) and providing the payment processing target information through the call channel, a predetermined payment merchant for payment processing according to the present invention is selected from at least one payment merchant included in the payment processing target. Request (eg, output a voice announcement).

If the payment merchant selection information in the form of a key tone is received from the wireless terminal (5535), the server 300 selects a payment amount corresponding to the payment merchant and / or a payment target to the wireless terminal through the call channel. Request (eg, output a voice announcement) (5540).

If the payment payment amount and payment object selection information in the form of a key tone is received from the wireless terminal (5545), the server 300 performs a payment processing process using the obtained payment processing information.

56 shows a payment approval process using a check card according to another embodiment of the present invention.

More specifically, FIG. 56 illustrates a process of finally approving the payment through the wireless terminal when the payment processing information is obtained through the process illustrated in FIG. 55, and is commonly known in the art. Persons having the present invention may infer various implementation methods for finally approving the payment process by referring to and / or modifying the drawing 56, but the present invention includes all the inferred implementation methods, and is shown in this drawing 56. It is not limited to the implemented method.

For example, this drawing 56 is described as a final approval of the payment processing through a method of approval, and if one of ordinary skill in the art to which the present invention belongs, refer to and / or modified this drawing 56 escrow It will be possible to infer a method of performing the final approval of the payment processing through the method, and the present invention includes an implementation method of finally approving the payment processing through the escrow method.

Hereinafter, in FIG. 56, the payment processing server 300 shown in FIG. 51 is referred to as "server" for convenience.

Referring to FIG. 56, when the payment processing information is obtained through the process illustrated in FIG. 55, the server 300 obtains payment merchant information and payment amount information available for the payment processing from the storage medium 130. In operation 5600, the check card information extracted from the storage medium 130 in association with the radio terminal number is stored (5605).

Thereafter, the server 300 requests predetermined authentication information to the wireless terminal through the call channel (5610). If the requested authentication information is confirmed from the wireless terminal (5615), the server 300 Extracts stored customer authentication information stored in connection with the wireless terminal number from the storage medium 130 (5620), and compares and authenticates the authentication information checked from the wireless terminal and the extracted customer authentication information, thereby making the payment. Check whether the processing is approved (5625).

If the payment process is not approved (5630), the server 300 repeats the process of requesting the authentication information to the wireless terminal.

On the other hand, if the payment processing is approved (5630), the server 300 provides the check card information, payment amount information and the payment merchant information to the check payment server (5635), corresponding to the financial system 340 ) After approval of the check card payment for the payment amount through the check card information (5640), returns the check card payment result to the server 300 (5645).

Thereafter, the server 300 generates a predetermined payment approval history including the check card payment processing result (5650), and outputs the payment approval details to the wireless terminal (5655).

According to the present invention, a customer can easily and conveniently process payments such as school expenses using a home landline telephone, and a target of processing payments using a customer landline telephone number connected to a customer payment means such as a child school expenses. By storing and registering, it has the effect of blocking the source of abuse caused by the leakage of the customer's landline telephone number and at the same time, eliminating the inconvenience that the customer had to directly enter the payment processing target information.

For example, the customer registers the information that he or she wants to process the child's school expenses and newspaper price of the school A with the payment method linked with the landline phone number. If the customer simply selects one of the pre-registered payment processing information according to the ARS system guide, the payment agency checks the customer's landline telephone number and selects the information selected by the customer from the pre-registered payment processing information. As the payment process is automatically performed, the customer can easily and conveniently settle the payment without additional manipulation by simply connecting the call to the phone number assigned to the payment agency, etc. by the home landline telephone. You will only pay the school fees or newspaper charges for your child. Thereby it can avoid.

Claims (10)

An information receiving step of receiving payment processing request information from a customer wireless terminal in a predetermined information receiving means; A storage medium (or storage medium operating means) which checks the customer wireless terminal number information in a predetermined information checking means and links and stores the customer wireless terminal number information, the customer payment means information, and at least one payment processing target information; Confirm at least one payment processing object information and payment means information linked to the customer wireless terminal number, and include the payment processing object included in the received payment processing request information in the confirmed payment processing object information. An information checking step of confirming whether or not it is performed; As a result of the check, if the payment processing object included in the received payment processing request information is included in the confirmed payment processing object information, the predetermined information processing means may include the payment processing object information and the confirmed customer payment means information. An information processing step of transmitting to a payment processing means corresponding to the payment means; And And a payment processing step of performing the payment processing on the payment processing object by using the payment processing target information and the customer payment means information in the payment processing means. The payment processing step, If the payment method associated with the customer wireless terminal is an account, Checking the balance of the customer account in the payment processing means to check whether the amount of money corresponding to the payment request can be withdrawn; If the withdrawal result is possible, processing the approval in the payment processing means corresponding to the payment request; The account withdrawal corresponding to the payment processing is transmitted from the server on the communication network connected to the payment processing means to the customer communication means, and when the account withdrawal approval information is received from the customer communication means, the notification is sent to the payment processing means. To do that, Converting the approval process into an approval process based on the account withdrawal approval information in the payment processing means; If the payment method associated with the customer wireless terminal is a credit card, Checking the credit limit of the customer credit card in the payment processing means to confirm whether the amount of money corresponding to the payment request can be processed; Processing the approval in response to the payment request in the payment processing means, if the approval result processing is possible; Transmitting the payment processing details from the server on the communication network connected to the payment processing means to the customer communication means and notifying the payment processing means if the approval information for the payment processing is received from the customer communication means; , Converting the approval process into an approval process on the basis of the approval information in the payment processing means; If the payment method associated with the customer wireless terminal is a check card, The payment processing means checks the payment account corresponding to the customer check card, and in connection with the account management means for managing the payment account, to check whether the amount of money withdrawal corresponding to the payment request is possible, and the payment account Requesting to set a lockout amount corresponding to a payment request; Transmitting the payment processing details from the server on the communication network connected to the payment processing means to the customer communication means and notifying the payment processing means if the approval information for the payment processing is received from the customer communication means; , And requesting the lock release and withdrawal of a payment amount set in the payment account to the account management means on the basis of the approval information in the payment processing means. An information receiving step of receiving payment processing request information from a customer wireless terminal in a predetermined information receiving means; A storage medium (or storage medium operating means) which checks the customer wireless terminal number information in a predetermined information checking means and links and stores the customer wireless terminal number information, the customer payment means information, and at least one payment processing target information; An information checking step of confirming at least one payment processing target information and payment means information linked to the customer wireless terminal number in association; In connection with the wireless terminal in a predetermined information processing means, to check the payment processing target information corresponding to the payment processing request of the at least one or more payment processing target information, the confirmed payment processing target information and the confirmed An information processing step of transmitting customer payment means information to a payment processing means corresponding to the payment means; And And a payment processing step of performing the payment processing on the payment processing object by using the payment processing target information and the customer payment means information in the payment processing means. The payment processing step, If the payment method associated with the customer wireless terminal is an account, Checking the balance of the customer account in the payment processing means to check whether the amount of money corresponding to the payment request can be withdrawn; If the withdrawal result is possible, processing the approval in the payment processing means corresponding to the payment request; The account withdrawal corresponding to the payment processing is transmitted from the server on the communication network connected to the payment processing means to the customer communication means, and when the account withdrawal approval information is received from the customer communication means, the notification is sent to the payment processing means. To do that, Converting the approval process into an approval process based on the account withdrawal approval information in the payment processing means; If the payment method associated with the customer wireless terminal is a credit card, Checking the credit limit of the customer credit card in the payment processing means to confirm whether the amount of money corresponding to the payment request can be processed; Processing the approval in response to the payment request in the payment processing means, if the approval result processing is possible; Transmitting the payment processing details from the server on the communication network connected to the payment processing means to the customer communication means and notifying the payment processing means if the approval information for the payment processing is received from the customer communication means; , Converting the approval process into an approval process on the basis of the approval information in the payment processing means; If the payment method associated with the customer wireless terminal is a check card, The payment processing means checks the payment account corresponding to the customer check card, and in connection with the account management means for managing the payment account, to check whether the amount of money withdrawal corresponding to the payment request is possible, and the payment account Requesting to set a lockout amount corresponding to a payment request; Transmitting the payment processing details from the server on the communication network connected to the payment processing means to the customer communication means and notifying the payment processing means if the approval information for the payment processing is received from the customer communication means; , And requesting the lock release and withdrawal of a payment amount set in the payment account to the account management means on the basis of the approval information in the payment processing means. The method according to claim 1 or 2, The information processing means further comprises the step of transmitting the payment processing details to the payment processing target or the customer communication means further comprises a payment processing method using a wireless terminal. The method according to claim 1 or 2, Requesting customer authentication information from the wireless terminal in a predetermined information processing means, receiving customer authentication information from the wireless terminal, and then authenticating the validity of the customer or the wireless terminal. Payment processing method using a terminal. The method according to claim 1 or 2, wherein in the information receiving step, The payment processing method using the wireless terminal, characterized in that receiving the payment processing request information from the customer wireless terminal in a text message, or via the wireless Internet network, or via a call connection. delete The method of claim 1 or 2, wherein the payment processing step, Checking the customer payment means information in the payment processing means to determine whether payment processing corresponding to the payment request is possible; If the settlement result is possible, processing the approval in the payment processing means corresponding to the payment request; Registering the approval processing details on a predetermined website in a server on a communication network connected to the payment processing means; When the customer accesses the website, a predetermined website operation means presents the registered approval details to the customer, and if the customer approves the payment processing corresponding to the approval details, the payment processing is performed. Notifying by means; And converting the approval process into an approval process on the basis of the approval information of the customer in the payment processing means. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. delete delete

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