KR100826468B1 - Method of wibro settlement service and system of wibro settlement service using the same - Google Patents

Abstract

The present invention relates to a WiBro service payment method, and more particularly, to a WiBro payment service method for paying a purchase price according to a WiBro payment request corresponding to a purchase of a product by a wireless Internet terminal, and a WiBro payment service system using the same. . WiBro payment service method according to an embodiment of the present invention comprises the steps of receiving a WiBro payment request corresponding to the purchase of the product of the user through a wireless Internet terminal; Requesting first authentication to a Universal IC card (UICC) connected to the wireless Internet terminal in response to the payment request; When the first authentication is successful, requesting a second authentication from a billing server; And when the second authentication is successful, performing billing processing of the amount corresponding to the purchase of the product to generate billing data of the amount corresponding to the purchase of the product, and notifying the product provider of the authorization approval. It is characterized by.

WiBro, payment service, UICC, authentication

Description

WiBro payment service method and WiBro payment service system using the same {METHOD OF WIBRO SETTLEMENT SERVICE AND SYSTEM OF WIBRO SETTLEMENT SERVICE USING THE SAME}

1 is a diagram schematically illustrating a network connection relationship of a WiBro payment service system according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a WiBro payment service method according to an embodiment of the present invention.

3 is a diagram illustrating an example of a WiBro payment request according to an embodiment of the present invention.

4 is a diagram illustrating an example of performing primary authentication according to an embodiment of the present invention.

5 is a diagram illustrating an example of performing second authentication according to an embodiment of the present invention.

6 is a diagram illustrating an internal configuration of a WiBro payment service system according to an embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

600: payment service system

610: payment request receiving unit 620: first authentication requesting unit

630: second authentication request unit 640: payment processing unit

The present invention relates to a WiBro service payment method, and more particularly, to a WiBro payment service method for paying a purchase price according to a WiBro payment request corresponding to a purchase of a product by a wireless Internet terminal, and a WiBro payment service system using the same. .

In the information age that is integrated into the ubiquitous society, access to various devices connected through a network has the great advantage that it can be used anytime and anywhere through wired / wireless interworking. Is getting attention. As a wireless broadband service, WiBro is attracting attention as a new technology that compensates for the shortcomings of mobile communication and wireless LAN.

WiBro is an abbreviation of Wireless Broadband Internet. It is a high-speed Internet service that can use various information and contents by accessing the Internet at high speed (about 1Mbps) anytime and anywhere while using mobile devices. That is, it is a concept of extending indoor wired high-speed Internet service so that it can be used outdoors.

This is a new service that uses the 2.3 GHz frequency band to guarantee seamless wireless Internet service within a cell radius of 1 km and at least 60 km / H when moving, and to use the wireless Internet at a lower cost. Currently, it has been developed to support the mobility of 70Km / H and the transmission speed of 1Mbps per subscriber. When commercialized, it will be possible to the mobility of 100Km / H and the transmission speed of 3Mbps.

On the other hand, the conventional wireless Internet service provided by the mobile terminal could not provide the limited content provided by the mobile communication service provider because the wireless Internet network was not opened, and when the user downloads predetermined content from the mobile terminal, Separately, a call charge for the wireless Internet service was added to the users, which caused excessive charges to the users, and the low transmission speed of the contents did not satisfy the users' need for the multimedia service. On the other hand, WiBro service can satisfy the needs of users' multimedia services due to high transmission speed, mobility, low cost, and providing various contents. Accordingly, the e-commerce market using WiBro services is gradually expanding. However, since a payment settlement method for providing a payment service using a WiBro service has not been prepared in the past, it has been a factor preventing the expansion of the e-commerce market using the WiBro service. Therefore, it is urgent to prepare a new payment settlement model.

The present invention has been made to solve the above-mentioned problems of the prior art, WiBro payment service for performing user authentication using a UICC connected to a wireless Internet terminal for payment processing for the user's purchase of goods through a wireless Internet terminal It is an object of the present invention to provide a method and a WiBro payment system using the same.

It is an object of the present invention to perform user authentication more securely by performing user authentication using a UICC connected to a wireless internet terminal for payment processing for a user's purchase of a product through the wireless internet terminal.

In addition, an object of the present invention is to propose a model of a new payment method for providing a payment service according to a product purchase in a wireless Internet terminal using a WiBro communication network.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, the WiBro payment service method according to an embodiment of the present invention comprises the steps of receiving a WiBro payment request corresponding to the user's purchase of goods through a wireless Internet terminal ; Requesting first authentication to a Universal IC card (UICC) connected to the wireless Internet terminal in response to the payment request; When the first authentication is successful, requesting a second authentication from a billing server; And when the second authentication is successful, performing payment processing of an amount corresponding to the product purchase to generate billing data of an amount corresponding to the product purchase, and notifying the product provider of the authorization approval. Characterized in that.

WiBro payment service system according to an embodiment of the present invention comprises a payment request receiving unit for receiving a WiBro payment request corresponding to the purchase of a product of the user through a wireless Internet terminal; A first authentication request unit requesting first authentication to a universal IC card (UICC) connected to the wireless Internet terminal in response to the payment request; A second authentication request unit for requesting second authentication to a billing server when the first authentication is successful; And if the second authentication is successful, perform payment processing of the amount corresponding to the purchase of the product to generate billing data of the amount corresponding to the purchase of the product, and notify the product provider of the authorization approval. It is characterized by including.

Hereinafter, a WiBro payment service method and a WiBro payment service system using the same will be described in detail with reference to the accompanying drawings.

For reference, the term "wireless Internet terminal" herein refers to a PDC (Personal Digital Cellular) phone, PCS (Personal Communication Service) phone, PHS (Personal Handyphone System) phone, CDMA-2000 (1X, 3X) phone, WCDMA ( Wideband CDMA phone, Dual Band / Dual Mode phone, Global Standard for Mobile (GSM) phone, Mobile Broadband System (MBS) phone, Digital Multimedia Broadcasting (DMB) phone, Smart phone, Handheld devices that may include communication functions such as mobile phones, personal digital assistants (PDAs), hand-held PCs, WiBro terminals, notebook terminals, and international roaming services; A portable electric and electronic device, which means all kinds of handheld-based wireless communication devices including an International Mobile Telecommunication-2000 (IMT-2000) terminal that provides an extended mobile communication service, and is a Code Division Multiplexing Access (CDMA) module. , Bluetooth (Blu It may be provided with a predetermined communication module such as a wireless communication device equipped with a GPS chip to enable location tracking through an etooth module, an infrared data association, an wired / wireless LAN card, and a global positioning system (GPS). In addition, the microprocessor capable of performing a multimedia playback function is interpreted as a generic term for a terminal capable of performing a certain arithmetic operation.

1 is a diagram schematically illustrating a network connection relationship of a WiBro payment service system according to an exemplary embodiment of the present invention.

Referring to FIG. 1, the WiBro payment service system may be implemented as a software module in a memory means of the wireless Internet terminal 120, and may be connected to the billing server 130 through a communication network. The communication network may include a wireless communication network such as Wireless Broadband Internet (WiBro), Wideband Code Division Multiple Access (WCDMA), Wireless LAN (WLAN), and High Speed Downlink Packet Access (HSDPA).

The WiBro payment service system receives a WiBro payment request corresponding to the purchase of a product of the user through the wireless Internet terminal 120, and responds to the payment request to a Universal IC card (UICC) 110 connected to the wireless Internet terminal. Ask for the first certification. Subsequently, when the first authentication succeeds, the WiBro payment service system requests the second authentication to the billing server 130, and when the second authentication succeeds, performs the payment processing of the amount corresponding to the purchase of the product. The billing data of the amount corresponding to the purchase of the product is generated, and the product provider is notified of the authorization approval. The UICC (Universal IC card) 110 is embedded in the wireless Internet terminal to allow users to securely access the WiBro network and use various Internet services. In particular, the UICC (Universal IC card) (110) performs a cryptographic key and authentication encryption algorithm for processing WiBro connection authentication in the UICC (110), illegal terminal duplication and distribution, and / By preventing tampering, it is possible to improve the security of mobile communication environment.

2 is a diagram illustrating a WiBro payment service method according to an embodiment of the present invention.

Referring to FIG. 2, the WiBro payment service method receives a WiBro payment request corresponding to a user's purchase of a product through the wireless Internet terminal (S210). For example, the WiBro payment service method may receive a WiBro payment request by the user as a payment request for a predetermined product purchased at a cyber store operated by a content provider (CP) through the wireless Internet terminal. . In another example, the user may access the wireless Internet after performing user authentication through a Universal IC card (UICC) connected to the wireless Internet terminal to access the WiBro type wireless Internet from the wireless Internet terminal.

3 is a diagram illustrating an example of a WiBro payment request according to an embodiment of the present invention.

Referring to FIG. 3, a user selects a predetermined product to be purchased at a cyber shop connected through a wireless Internet terminal, and uses a payment means "credit card", "account transfer", "cell phone" to pay for the selected product. "WiBro payment" may be selected from "WiBro payment" and "WiBro payment", and the WiBro payment service system included in the wireless Internet terminal may receive a WiBro payment request corresponding to the purchase of a product by the user.

In addition, the WiBro payment service method requests first authentication with a Universal IC card (UICC) connected to the wireless Internet terminal in response to the payment request (S220). For example, the first authentication may be to receive a PIN of the UICC from the user, and verify whether the input PIN is valid. The PIN may be identified only by the user as a password of a universal IC card (UICC) uniquely provided to the user.

4 is a diagram illustrating an example of performing primary authentication according to an embodiment of the present invention.

Referring to FIG. 4, when the WiBro payment service method requests a first authentication with the Universal IC card (UICC), the user interface for receiving a PIN of the UICC may be displayed through the wireless Internet terminal. The user may input PIN “43212333” of the UICC through the user interface. That is, the WiBro payment service method may verify whether the PIN is valid by comparing the PIN input from the user with the PIN recorded on the UICC (Universal IC card).

In addition, when the first authentication succeeds, the WiBro payment service method requests a second authentication from the billing server (S230). The billing server may be a WiBro service server. For example, the second authentication may be performed using any one or more of a user identification number, a password, a social security number, and a serial number of the UICC. As another example, the second authentication may be performed by further considering any one or more of the monthly transaction limit and the blacklist of the user. That is, when performing the second authentication, the billing server may use a query result that inquires any one or more of the monthly transaction limit and the blacklist entry corresponding to the user by referring to a predetermined database.

5 is a diagram illustrating an example of performing second authentication according to an embodiment of the present invention.

In addition, when the second authentication succeeds, the WiBro payment service method performs payment processing of an amount corresponding to the product purchase to generate billing data of an amount corresponding to the product purchase, and authenticates the product provider. Notify the approval (S240). As an example of the step (S240), the WiBro payment service method may allow an amount corresponding to the purchase of the product to be added to the WiBro service using fee.

According to the present embodiment, when the payment processing is performed, the billing server may generate the billing data, and through the one or more banks or card companies linked to the billing server using the generated billing data. The amount corresponding to the purchase of the product may be charged or settled. In addition, the billing server may update and record the monthly transaction limit recorded corresponding to the user in the database.

According to an embodiment of the present invention, the WiBro payment service method receives a payment request corresponding to a product purchase of the user through the wireless Internet terminal, automatically reads the user payment information stored in the UICC to the product purchase. It can be used for payment processing of the corresponding amount. For example, the payment request may be a request for payment using any one of a payment method credit card payment, bank transfer payment, and mobile phone payment according to the prior art, the WiBro payment service method is a credit card payment method When a payment request is made using a payment, user payment information corresponding to the credit card payment stored in the UICC may be automatically read and used for payment processing of an amount corresponding to the purchase of the product.

For example, the user payment information may include a user's payment means information and encryption key information, and if the payment means information is leaked to the user personal information, there is a risk because it may be abused, using the encryption key information The payment means information can be used for user authentication by performing one of encryption and decryption. The encryption key information may be a hash value to which a predetermined hash function is applied. Security problems can be solved by using a hash value to which the hash function is applied.

6 is a diagram illustrating an internal configuration of a WiBro payment service system according to an embodiment of the present invention.

Referring to FIG. 6, the WiBro payment service system 600 includes a payment request receiver 610, a first authentication requester 620, a second authentication requester 630, and a payment processor 640. According to the present invention, the WiBro payment service system 600 may be implemented as a software module in the memory means of the wireless Internet terminal.

The payment request receiving unit 610 receives a WiBro payment request corresponding to a user's purchase of a product through the wireless Internet terminal.

In response to the payment request, the first authentication request unit 620 requests a first authentication to a Universal IC card (UICC) connected to the wireless Internet terminal. For example, the first authentication may be to receive a PIN of the UICC from the user, and verify whether the input PIN is valid. The PIN may be identified only by the user as a password of a universal IC card (UICC) uniquely provided to the user.

When the first authentication succeeds, the second authentication requester 630 requests the second authentication to the billing server. The billing server may be a WiBro service server. For example, the second authentication may be performed using any one or more of a user identification number, a password, a social security number, and a serial number of the UICC. As another example, the second authentication may be performed by further considering any one or more of the monthly transaction limit and the blacklist of the user.

If the second authentication is successful, the payment processing unit 640 performs payment processing of the amount corresponding to the product purchase to generate billing data of the amount corresponding to the product purchase, and grants the authorization to the product provider. Notify me. As an example of the payment processing unit 640, the payment processing unit 640 may allow an amount corresponding to the product purchase to be added to the WiBro service use fee.

According to an embodiment of the present invention, the payment request receiving unit 610 receives a payment request corresponding to the purchase of the product of the user through the wireless Internet terminal, and the payment processing unit 640 automatically receives the user payment information stored in the UICC. The lead can be used for payment processing of an amount corresponding to the purchase of the product.

The WiBro payment service method according to the present invention may be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. The medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, or the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

As described above, although the present invention has been described with reference to limited embodiments and drawings, the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined not only by the claims below but also by the equivalents of the claims.

According to the present invention, a WiBro payment service method for performing user authentication using a UICC connected to a wireless Internet terminal for payment processing for a user's purchase of a product through a wireless Internet terminal, and a WiBro payment system using the same can be provided.

According to the present invention, user authentication can be performed more securely by performing user authentication using a UICC connected to a wireless Internet terminal for payment processing for a user's purchase of a product through the wireless Internet terminal.

According to the present invention, it is possible to propose a new payment settlement model for providing a payment service according to a product purchase in a wireless Internet terminal using a WiBro communication network.

Claims (19)

Receiving a WiBro payment request corresponding to a user's purchase of a product through a wireless Internet terminal; Requesting primary user authentication to a Universal IC card (UICC) connected to the wireless Internet terminal in response to the payment request; Requesting secondary user authentication to a billing server when the primary user authentication is successful; And If the second user authentication is successful, performing payment processing of the amount corresponding to the product purchase to generate billing data of the amount corresponding to the product purchase, and notifying the product provider of the authorization approval. WiBro payment service method comprising a. The method of claim 1, The billing server is a WiBro service server and allows the billing data to be generated, The step of notifying the product provider of the authentication approval WiBro payment service method characterized in that the amount corresponding to the purchase of the product is added to the WiBro service fee. The method of claim 1, The first user authentication is a WiBro payment service method, characterized in that receiving the PIN of the UICC from the user, and verifies whether the input PIN is valid. The method of claim 1, The second user authentication is WiBro payment service method characterized in that performed using any one or more of the user identification number, password, social security number and the serial number of the UICC. The method of claim 4, wherein The second user authentication is WiBro payment service method, characterized in that performed in consideration of any one or more of the user's monthly transaction limit and blacklist entry. The method of claim 1, The WiBro payment service method Receiving a payment request corresponding to a product purchase of the user through the wireless Internet terminal; And Automatically reading user payment information stored in the UICC and using it for payment processing of an amount corresponding to the purchase of the product WiBro payment service method characterized in that it further comprises. The method of claim 6, And the user payment information comprises payment means information and encryption key information of the user. The method of claim 7, wherein The WiBro payment service method WiBro payment service method, characterized in that for performing the first or second user authentication by performing one of encryption and decryption using the encryption key information. A computer-readable recording medium in which a program for executing the method of any one of claims 1 to 8 is recorded. In the WiBro payment service system, A payment request receiving unit configured to receive a WiBro payment request corresponding to a user's purchase of a product through a wireless Internet terminal; A first authentication request unit requesting first user authentication to a Universal IC card (UICC) connected to the wireless Internet terminal in response to the payment request; A second authentication request unit requesting a second user authentication to a billing server when the first user authentication is successful; And In the case where the second user authentication is successful, the payment processing unit performs payment processing of the amount corresponding to the product purchase to generate billing data of the amount corresponding to the product purchase, and notifies the product provider of the authorization approval. WiBro payment service system comprising a. The method of claim 10, The WiBro payment service system WiBro payment service system, characterized in that implemented as a software module in the memory means of the wireless Internet terminal. The method of claim 10, The billing server is a WiBro service server and allows the billing data to be generated, The payment processing unit The WiBro payment service system, characterized in that the amount corresponding to the purchase of the product is added to the WiBro service usage fee. The method of claim 10, The first user authentication is a WiBro payment service system, characterized in that receiving the PIN of the UICC from the user, and verifies whether the input PIN is valid. The method of claim 10, The second user authentication is WiBro payment service system, characterized in that performed using any one or more of the user identification number, password, social security number and the serial number of the UICC. The method of claim 14, The second user authentication is WiBro payment service system, characterized in that performed in consideration of any one or more of the user's monthly transaction limit and blacklist entry. The method of claim 10, The payment processing unit WiBro payment service system, characterized in that for automatically reading the user payment information stored in the UICC used for payment processing of the amount corresponding to the product purchase. The method of claim 10, The payment request receiving unit Receive a payment request corresponding to the purchase of the product of the user through the wireless Internet terminal, The payment processing unit WiBro payment service system, characterized in that for automatically reading the user payment information stored in the UICC used for payment processing of the amount corresponding to the product purchase. The method of claim 10, The user payment information stored in the UICC includes the payment means information and encryption key information of the user WiBro payment service system. The method of claim 18, The payment processing unit WiBro payment service system, characterized in that for performing the first or second user authentication by performing one of encryption and decryption using the encryption key information.

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