KR101086753B1 - Terminal for Providing Real Time Mobile Billing Service by Using Digital Camera - Google Patents

Abstract

The present invention analyzes a pattern image obtained through a camera, extracts predetermined payment information encoded and included in the pattern image, and then includes a wireless terminal having a program for performing payment processing corresponding to the extracted payment information. Device.

Digital camera, wireless terminal, wireless payment

Description

Terminal for Providing Real Time Mobile Billing Service by Using Digital Camera}

FIG. 1 is a simple block diagram of a system for paying with a wireless terminal provided with a digital camera using a pattern image output on a payment screen provided by an internet shopping mall, and providing a card-based wireless payment service.

FIG. 2 is a simple flowchart illustrating a step of outputting a pattern image including payment information encoded on a payment screen while a customer purchases and pays a product in an internet shopping mall or a paid content provider.

FIG. 3 is a simple flowchart of a step in which a pattern analysis agent mounted on a wireless terminal analyzes payment information encoded and included in the recognized pattern image and outputs it to a wireless terminal screen.

4 is a simple flowchart of a process of processing a wireless electronic payment corresponding to payment information extracted from a pattern image by selecting a payment method that can be provided by the wireless terminal.

<Description of main parts of drawing>

100: pattern image server 105: Internet shopping mall

110: payment system 115: mobile communication system

120: wireless terminal

The present invention relates to a method and a system for providing a real-time wireless payment service on the Internet through a digital camera mounted on a wireless terminal, and includes a coded pattern image that can be expressed through a medium capable of outputting an image on the wireless terminal. Recognize using a digital camera, analyze and interpret a series of information encoded in a pattern image, and then provide a wireless payment service based on the encoded information without passing through a mobile communication system. A method and system for processing a payment by providing payment information of an internet shopping mall to a wireless terminal.

Handheld personal communication system (PCS), global system for mobile communications (GSM), personal digital cellular (PDC), personal handyphone system (PHS), personal digital assistant (PDA), and smart phone Mobile communication technology that provides wireless network and wireless Internet service for wireless terminals includes 2.5 generations that can play games through virtual machines (VMs) in the second generation mobile communication, which relies on simple text, simple image, and simple sound services. Afterwards, it has evolved into 3rd generation mobile communication that can provide multimedia services such as high quality images, high quality sound, and video.

In the development of the mobile communication technology as described above, it is possible to provide various additional services through a wireless terminal, and a typical service is a wireless payment service using a wireless terminal.

The wireless electronic payment system is a payment service that uses a wireless terminal to pay for services online and offline and purchases goods, and uses a smart card based on smart cards according to input and output of payment and transaction information and information transmission method using a wireless network. There are payment methods and non-card-based payment methods using a wireless network.

Since card-based wireless payment method uses IC chip, it is also called hardware type wireless payment method. Smart card or IC chip that stores various financial applications such as credit card, debit card, prepaid card, electronic wallet, and mileage is installed in wireless terminal. To handle authentication and payment services.

Currently, GSM wireless terminals in Europe already have a subscriber identity module (SIM) card containing subscriber information. Instead of GSM SIM cards, HLR (Home Location Register) / VLR (Visiting Location Register) of mobile communication systems In some CDMA environments that used subscriber information, such as Universal SIM Module (UIM), which is similar to GSM type SIM card, is introduced. Is gradually spreading.

Therefore, a card-based wireless payment requires a smart card that includes a banking and payment function that includes user authentication and financial functions in addition to the SIM, UIM, USIM card equipped with the user authentication chip, the two chips There are dual slot, dual chip, and one chip card-based wireless payments, depending on how the card is mounted in the wireless terminal at the same time.

Dual-slot card-based wireless payment is equipped with a separate smart card reader slot in the wireless terminal to insert and process a smart card owned by the user. Dual-chip card-based wireless payment is equipped with a payment application. A payment processing method that uses an IC chip mounted on a wireless terminal separately from a user authentication smart card, and a one-chip card-based wireless payment method combines a user authentication smart card and a financial settlement smart card into a single smart card. to be.

On the other hand, in the domestic mobile communication system that uses subscriber D / B such as HLR / VLR of mobile communication system without using personal information chip installed in wireless terminal for subscriber information and user authentication, user authentication smart card and One-chip card-based wireless payments, which are integrated into one smart card for financial settlement, are gradually being introduced.

Non-card-based wireless payment method is also called software wireless payment method because it uses a mobile communication system and wireless communication network, real-time authentication and payment system interworking through a mobile communication wireless network without a separate smart card that stores personal financial information Your payment is handled.

Currently, the most common non-card-based wireless payment methods include the integrated mobile phone billing method and the mobile wallet method.

Non-card-based wireless payment is a post-payment method that charges the bill by incorporating the payment amount into the next month's mobile bill. The wireless wallet-type non-card-based wireless payment is applied to the bank or credit card company's server. The subscriber enters the information and accesses the server through the wireless terminal to process the payment.

However, all the existing wireless payment methods as described above have a problem of being dependent on the mobile communication system and the mobile communication company and including a fatal weakness in security.

That is, even if all the existing wireless payment methods described above process the payment through a dedicated network such as a value added network (VAN) at the stage of payment processing, the payment is processed without passing through the mobile communication system and the mobile carrier, In the step of providing payment information to the wireless terminal, it must pass through the mobile communication system and the mobile communication company. This includes the limitation that all the wireless payment systems are processed depending on the mobile communication system and the mobile communication company, and the mobile communication system and the mobile communication company participate in all the wireless payment processes.

In addition, all the existing wireless payment methods described above include a weakness that payment information and personal information may be exposed to the outside in the step of providing payment information to the wireless terminal. For example, in order to provide payment information of an internet shopping mall to a wireless terminal, the wired internet and a wireless network are passed through the wired terminal. However, even though the wired internet via the payment information passes through a high-level security system and an authentication process, it is inappropriate. It contains a sufficient possibility that the payment information can be exposed by.

As a result, in order to overcome the problems and limitations of the existing wireless payment methods, a method of directly delivering a payment information to a wireless terminal without passing through a mobile carrier should be presented. In addition, in no case should it be exposed by improper means.

An object of the present invention to solve the above problems is to analyze a pattern image obtained through a camera, extract predetermined payment information that is encoded and included in the pattern image, the payment corresponding to the extracted payment information A wireless terminal device having a program for performing a process is provided.

The present invention relates to a method and a system for providing a real-time wireless payment service on the Internet through a digital camera mounted on a wireless terminal, wherein a customer purchases a product at an internet shopping mall or a paid content provider, Outputting a pattern image including payment information encoded therein, wherein the customer recognizes the pattern image output on the payment screen through a digital camera mounted on the wireless terminal, and the pattern analysis agent mounted on the wireless terminal recognizes the pattern image. Analyzing and outputting payment information encoded in an image on a wireless terminal screen; and processing wireless electronic payment corresponding to the payment information through a payment method that the wireless terminal can provide.

In the present invention, a pattern image is an image in which a series of information is encoded and included in a pattern form. The pattern image is output on a payment screen of an internet shopping mall and recognized by a digital camera mounted on a wireless terminal. Included information of any kind that can be interpreted. Typical pattern images include black and white bars, such as Universal Product Code (UPC), CODEBAR, MSI, Code 39, Korea Article Number (KAN), Japan Article Number (JAN), etc. There is a one-dimensional barcode that satisfies the above, a two-dimensional bar code that represents the black and white bars in a two-dimensional plane grid, and a three-dimensional bar code that represents the black and white bars in three-dimensional three-dimensional, etc. There are gray codes that express a mixture of colors and color codes that are represented by color colors. Accordingly, the pattern image of the present invention includes all kinds of encoded images that can be recognized through a digital camera mounted on a wireless terminal, and the pattern image of the present invention is not limited to a specific pattern image provided by a specific pattern or an encoding method. Do not.

In the present invention, a pattern image server for generating and providing a pattern image for payment processing to a wireless terminal equipped with a digital camera and a pattern analysis agent is an independent server on a wired or wireless Internet, a server in a mobile communication system, or an internet shopping mall. It is mounted in the form of a server. That is, the pattern image server exists in the form of a server optimized according to the phase on the wired / wireless internet and the network of the pattern image payment service provider proposed by the present invention.

The generating of the pattern image for the payment service by the pattern image server may include generating the payment image before the payment service is performed and generating the payment image during the payment service. For example, when the purchase price for each product is processed through the pattern image in the Internet shopping mall, the pattern image for the payment service may be generated before the payment service is performed, and is generated during the payment service. Can be. On the other hand, in the case where the total payment amount of the product in the shopping cart is processed through the pattern image in the Internet shopping mall, the pattern image for the payment service is generated during the payment service.

In addition, the method for generating a pattern image including payment information by the pattern image server includes a direct encoding method for directly encoding and including payment information in a pattern image, and a URL (Uniform Resource) on a wired / wireless internet where payment information is stored. Reference Encoding method of encoding and including location information in a pattern image, and Hybrid Encoding method of appropriately combining direct encoding and reference encoding.

Direct encoding is a pattern image generation method in which the pattern image server directly encodes and includes payment information provided from an internet shopping mall or a paid content provider in a pattern image. When the payment information satisfies a condition that can be included in one pattern image, The pattern image generation method of directly including the payment information in the pattern image according to the policy of the pattern image server for generating a pattern image. Accordingly, the wireless terminal that recognizes the directly encoded pattern image extracts payment information included in the pattern image and processes payment according to a given payment processing method.

Reference encoding is a pattern image generation method in which a pattern image server stores payment information provided from an internet shopping mall or a paid content provider at a specific location on a wired / wireless internet, and processes the location information in a URL form to be encoded and included in a pattern image. When the payment information does not satisfy the condition that can be included in one pattern image, according to the policy of the pattern image server for generating a pattern image, the pattern image generation method of including the URL information stored in the pattern image with reference to the pattern image; . Therefore, after recognizing the reference encoded pattern image, the wireless terminal extracts the reference payment information included in the corresponding pattern image, accesses the URL on the wired / wireless Internet corresponding to the reference payment information, downloads the payment information, and according to the given payment processing method. Process payment

Mixed encoding is a pattern image generating method by which a pattern image server directly encodes a part of payment information provided from an internet shopping mall or a paid content provider to a pattern image, and some information refers to the URL information where the information is stored. According to the policy of the pattern image server to generate a part of the payment information is directly included in the pattern image, and part of the pattern image generation method including the reference payment information, such as URL on the wired or wireless Internet where the pattern image is stored. Therefore, after recognizing the mixed-encoded pattern image, the wireless terminal extracts the direct payment information and the reference payment information included in the pattern image, accesses the URL on the wired / wireless internet corresponding to the reference payment information, and downloads the payment information. The downloaded payment information and direct payment information are combined to process payment according to a given payment processing method.

According to the present invention, a method of inserting and outputting a pattern image generated by a pattern image server into a payment screen provided by an internet shopping mall and a paid content provider to a client includes a pattern image direct output method and a pattern image reference output method.

In the method of directly outputting a pattern image, a pattern image server directly links the pattern image generated by the pattern image server and outputs the pattern image directly to the client by outputting the payment screen to the client. . In general, a method of directly outputting a pattern image is a pattern image output method which is mainly used when a pattern image is generated during a payment service in an internet shopping mall and a paid content provider. When provided to the server, and link the URL information that the pattern image is generated in the pattern image server, the pattern image server generates the payment pattern image in real time and outputs directly to the client.

In the pattern image reference output method, before the Internet shopping mall or the paid content provider outputs the payment screen to the client or at the step of outputting the pattern image server, the pattern image server generates the pattern image including the payment information. The content provider outputs the pre-generated pattern image to the client payment screen.

According to the present invention, the method of recognizing the pattern image by the wireless terminal equipped with the digital camera and interpreting the pattern image through the pattern analysis agent depends on the method of the pattern image server generating the pattern image including the payment information. That is, when the pattern image server generates the pattern image through the direct encoding method, the pattern analysis agent interprets the pattern image through the pattern image direct interpretation method, and the pattern image server generates the pattern image through the reference encoding method. In one case, the pattern analysis agent interprets the pattern image through a pattern image reference interpretation method. In addition, when the pattern image server generates the pattern image through the mixed encoding method, the pattern analysis agent also interprets the pattern image through the pattern image mixture analysis method.

Hereinafter, the features of the present invention will be described in detail with reference to the accompanying drawings. However, the following drawings and descriptions are for representative methods among various methods for properly describing the present invention, and the present invention is not limited only to the following drawings and descriptions.

An embodiment of the present invention relates to a representative method for processing a payment by receiving a pattern image from a payment screen of an internet shopping mall through a digital camera, and providing a card-based wireless payment method. The pattern image server directly encodes a pattern. When generating a pattern image including payment information encoded by using an image generating method and an internet shopping mall or a paid content provider outputting the pattern image to a client through a pattern image direct output method, the wireless terminal that recognizes the pattern image This is for the case of payment through card-based wireless payment.

However, as described above, the payment method using the pattern image is not limited only to the method described in the following embodiments, and the embodiment of the present invention is one of representative methods selected from various methods for properly describing the features of the present invention. to be. That is, the pattern image server may generate the pattern image through the direct encoding, the reference encoding, or the mixed encoding method of the pattern image, and the Internet shopping mall or the paid content provider may directly print the pattern image or the reference output method. It is possible to output a payment screen with a pattern image inserted into it, and through a card-based wireless payment method, without using an IC chip type credit card installed in a wireless terminal, a non-card based wireless such as a mobile phone integrated billing method or a wireless wallet method. The payment service proposed by the present invention may be achieved through payment. In addition, even when payment is made through a card-based wireless payment method offline, a process in which payment information such as a CAT (Credit Authorization Terminal) or a POS terminal device (Point of Sales Terminal) is provided to the wireless terminal is also a pattern image presented by the present invention. It can be done through.

1 is a system that uses a pattern image output on a payment screen provided by an internet shopping mall 105 or a paid content provider, etc., and has a digital camera mounted thereon and makes a payment with a wireless terminal 120 that provides a card-based wireless payment service. Here is a simple block diagram.

The internet shopping mall 105 is the same as the internet shopping mall 105 on the wire, which is operating in the past, and is linked with the pattern image server 100. A customer who purchases a product from the internet shopping mall 105 selects a payment method among online payment, credit card payment, electronic money payment, and pattern image wireless payment, which are typical payment methods provided by the existing internet shopping mall 105. The payment is selected from the Internet shopping mall 105 or the paid content provider through the payment method selected by the customer.

The payment screen is a payment processing screen that is output to a web browser of a client's client screen by the Internet shopping mall 105 or a paid content provider, and the payment processing interface allows the customer to select a payment amount and a payment method necessary for purchasing a product. To provide. If the customer selects the pattern image wireless payment and requests a pattern image command on the payment screen output by the internet shopping mall 105 or the paid content provider to the customer, the internet shopping mall 105 or the paid content provider outputs to the client. The pattern image generated and provided by the pattern image server 100 is output to the payment screen.

The wireless terminal 120 is a digital camera capable of recognizing a pattern image in which payment information provided by an internet shopping mall 105 or a paid content provider through a web browser is encoded and encoded from the pattern image recognized as described above. It is a handheld based mobile communication terminal is equipped with a pattern analysis agent that can interpret the payment information included.

The digital camera mounted in the wireless terminal 120 is a device that can acquire an image of a subject outside the wireless terminal 120 in the form of a digital image and store the image in a digital storage medium. The image of the subject is divided into bitmaps. Is a device for recording the luminance of a digital amount. In the present invention, the digital camera mounted on the wireless terminal 120 acquires a pattern image image, records it on a digital storage medium provided by the wireless terminal 120, and then causes the pattern analysis agent mounted on the wireless terminal 120 to perform a pattern. It requests to interpret the information encoded and included in the image.

The pattern analysis agent mounted on the wireless terminal 120 analyzes the pattern image image obtained from the digital camera, and converts the information included in the pattern image into letters, numbers, and binary digital data. As an application that performs the role of extracting in the form of, it is mounted in the form of software in the wireless terminal 120, or in the form of a chip for pattern image analysis. In the present embodiment, the pattern analysis agent extracts the payment information from the pattern image image including the payment information, and then expresses the extracted payment information in letters and numbers to form a smart card in which an IC chip is equipped with financial and payment functions. Serves to request to process wireless payments through your credit card.

According to this embodiment, the wireless terminal 120 is equipped with a smart card that provides the financial and payment functions for payment processing in addition to the above-described digital camera and pattern analysis agent, the wireless terminal 120 is in the form of the IC chip The real-time credit card payment can be processed directly without providing the credit card information to the Internet shopping mall 105 or the paid content provider through the credit card.

The mobile communication system refers to a mobile communication company that provides a wireless network and a wireless Internet service for the wireless terminal 120 and the mobile communication devices implemented in the mobile communication company, and is a digital camera mounted in the wireless terminal 120. The payment information acquired from the credit card payment information acquired from the IC chip of the smart card that provides the financial and payment functions, and the payment information generated through the pattern analysis agent is transmitted to the pattern image server 100 through the mobile communication system 115. Is sent.

The pattern image server 100 is a server that generates and manages a pattern image for wireless electronic payment and performs payment processing. In this embodiment, a customer such as an Internet shopping mall 105 and a paid content provider selects a pattern image wireless payment. And generating and outputting a pattern image including payment information to a web browser running on the client of the corresponding customer in the step of performing the payment, and processing the payment through the payment information and the credit card information extracted from the pattern image of the wireless terminal 120. In the step of requesting through the payment processing system associated with the customer's credit card serves to actually process the payment corresponding to the payment information.

In the step of generating the pattern image, the pattern image server 100 receives the payment information and the member information, which are provided from the Internet shopping mall 105 or the paid content provider, and is encoded in the pattern image. By comparing and analyzing payment information and credit card information and mobile subscriber information transmitted through the mobile communication system from 120, the anonymity, security, and portability of the electronic payment system 110 must be provided. It guarantees portability and two-way, and provides the confidentiality, authentication, integrity, and non-repudiation that security systems must have.

The payment processing system is a system for processing payment corresponding to the payment information generated by the wireless terminal 120 extracted from the pattern image. Various systems corresponding to the payment method selected by the wireless terminal 120 serve as a payment processing system. To perform. If the wireless terminal 120 selects online payment through mobile banking, a bank transfer system and a financial computer network may serve as a payment processing system, and the wireless terminal 120 may use a credit card. If you choose to pay through, credit card company's card authorization system and value added network (VAN) can act as a payment processing system. Alternatively, if the wireless terminal 120 selects a micro payment through the mobile communication payment request, the mobile communication carrier's communication bill payment system may serve as a payment processing system.

2 is a simple flowchart illustrating a step of outputting a pattern image including payment information encoded on a payment screen in a process in which a customer purchases and pays a product in an internet shopping mall 105 or a paid content provider.

FIG. 2 is a diagram illustrating a case in which payment information added to a shopping cart of an internet shopping mall 105 is paid through a pattern image among various pattern image payment service methods proposed by the present invention. The present invention relates to a process of generating a pattern image including payment information through a direct encoding pattern image generation method, and providing a payment screen to a client through an internet shopping mall 105 or a paid content provider directly outputting a pattern image. However, as described above, the pattern image payment service method of the present invention is not limited to the embodiment of FIG.

When the customer selects a product to purchase by accessing the Internet shopping mall 105 or a paid content provider (200), the Internet shopping mall 105 or the paid content provider is a client of the customer through a member authentication process and a shopping cart solution. A payment screen is output (205).

The payment screen basically includes a payment amount and a payment method to be paid for by the customer to purchase a product, and the customer selects a payment method to be used from the payment means included in the payment screen (210).

If the customer selects another payment method other than the pattern image wireless payment (215), the Internet shopping mall 105 and the paid content provider processes the payment for the purchased product according to the existing payment method selected by the customer (220).

On the other hand, if the customer selects the pattern image wireless payment proposed by the present invention (225), the customer requests the pattern image generation to the pattern image server 100 according to the method for directly outputting the pattern image proposed by the present invention (230) ).

The pattern image server 100, which has been requested to generate a pattern image from a client, requests member information on the purchase customer from the Internet shopping mall 105 and a paid content provider outputting a payment screen to the corresponding purchase customer, and the customer wants to purchase the image. Receive payment information, etc. for the goods to be received (235).

As described above, the pattern image server 100 that receives the purchaser's member information and the payment information for the purchased product from the Internet shopping mall 105 and the paid content provider that outputs the payment screen to the purchaser has the member information and the payment. The information is encoded to generate a pattern image to be provided to the customer (240). The pattern image generated by the pattern image server 100 and the member information and payment information encoded in the pattern image are temporarily stored for a predetermined period until the customer stops or completes the wireless payment of the pattern image. .

When the pattern image is generated from the pattern image server 100 as described above, the pattern image for wireless payment of the pattern image is transmitted to the client and inserted into the payment screen (245).

3 shows that the customer recognizes the pattern image output on the payment screen through the digital camera mounted on the wireless terminal 120, and the pattern analysis agent mounted on the wireless terminal 120 is encoded in the recognized pattern image. It is a simple flow chart for the step of interpreting the payment information and output to the screen of the wireless terminal 120.

Figure 3 of the present embodiment of the various pattern image payment service method proposed by the present invention, the pattern analysis agent mounted on the wireless terminal 120 directly interprets the pattern image generated by the pattern image server 100 through direct encoding And a process of extracting member information and payment information from the pattern image through a method. However, as described above, the pattern image payment service method of the present invention is not limited to the embodiment of FIG.

When the customer takes a pattern image inserted into the payment screen provided by the Internet shopping mall 105 and the paid content provider through a digital camera mounted on the wireless terminal 120 (300), the pattern image image information is wireless. Temporarily stored in the digital storage medium in the terminal 120 (305).

When the pattern image image information is stored through the above process, the pattern analysis agent verifies whether the stored pattern image is a valid pattern image (310). If the pattern image image information input and stored in the wireless terminal 120 through the process is not valid (315), the pattern analysis agent deletes the image image information (320) and then uses the digital camera to display the pattern image. The process of photographing and temporarily storing the digital storage medium in the wireless terminal 120 is repeated.

On the other hand, if the validity of the pattern image input as described above satisfies the conditions of the pattern image proposed by the present invention is confirmed (325), the pattern analysis agent is photographed as described above to correct the input pattern image (330).

The pattern image inputted through the digital camera to the wireless terminal 120 may include photographing proficiency of the user of the wireless terminal 120, an angle formed by the digital camera and the pattern image inserted on the payment screen at the time of shooting, and the ability to express colors of the client monitor. It can be modified by various variables. Accordingly, the pattern analysis agent corrects the pattern image according to a given image correction algorithm, and then checks whether the pattern image is interpretable.

If the corrected pattern image cannot be interpreted even through the above-described correction process (335), the pattern analysis agent deletes the image image information, and then photographs the pattern image through the digital camera, thereby inside the wireless terminal 120. The process of temporarily storing and calibrating the digital storage medium.

On the other hand, if the corrected pattern image can be interpreted through a series of image correction processes (340), the pattern analysis agent extracts the member information and payment information included in the pattern image (345).

And, as described above through the member information extracted from the pattern image and the user information of the wireless terminal 120 such as personal identification number (PIN) information obtained from the wireless terminal 120 and the mobile communication system. Check the validity of the member information and payment information (350).

If the member information extracted from the pattern image does not match the customer information extracted from the wireless terminal 120 and thus the validity is not confirmed (355), the pattern analysis agent outputs an error message about payment information (360). This completes the image recognition and interpretation process.

On the other hand, if the member information extracted from the pattern image as described above matches the customer information extracted from the wireless terminal 120 (365), the pattern analysis agent is the wireless terminal and the member information and payment information extracted from the pattern image as described above. (120) By outputting to the screen (370), the preparation for payment processing is completed.

4 is a simple flowchart illustrating a process of processing a wireless electronic payment corresponding to payment information extracted from a pattern image by selecting a payment method that the wireless terminal 120 can provide.

Figure 4 of the present embodiment of the various pattern image payment service method proposed by the present invention, the pattern information generated by the image server 100, extracted by the pattern analysis agent of the wireless terminal 120 wireless through the card-based wireless payment It is about the process of payment processing. However, as described above, the pattern image payment service method of the present invention is not limited to the embodiment of FIG.

According to the present invention, the wireless terminal 120 may process all kinds of electronic payment systems 110, such as online payment, credit card payment, and bill payment payment using a wireless network and the wireless Internet. However, the flowchart of FIG. 4 uses a credit card wireless payment using an IC chip capable of instant payment processing using the wireless terminal 120 to explain the flow of the present invention intuitively.

When the pattern analysis agent mounted on the wireless terminal 120 outputs the member information and payment information encoded and included in the pattern image on the screen of the wireless terminal 120, the user of the wireless terminal 120, That is, the product purchase customer selects the most appropriate payment method from various payment methods provided by the wireless terminal 120 to process the payment (400).

If the user of the wireless terminal 120 selects a wireless payment method other than credit card payment through the IC chip used in the present embodiment (405), the wireless terminal 120 corresponds to the payment method selected by the user. In operation 410, payment for the payment information extracted from the pattern image is processed.

On the other hand, if the user of the wireless terminal 120 selects the credit card payment through the IC chip presented in this embodiment (415), the pattern analysis agent extracts the credit card information stored in the IC chip (420), and from the pattern image A payment code is generated using the extracted payment information and credit card information extracted from the IC chip (425). The payment code generated as described above is necessary for the pattern image server 100 to process payment through a payment processing system, and is protected by a wireless encryption processing method.

When the payment code is generated through the payment information extracted from the pattern image and the credit card information extracted from the IC chip through the above process, the pattern analysis agent is processed by the pattern image server 100 from the user of the wireless terminal 120. In step 430, a credit card payment authorization code is required to be entered. In general, the credit card payment authorization code is a public key or a secret key required for the credit card company to approve the payment, and the payment processing procedure of the present embodiment is normally performed for the case where the payment authorization code is correctly input.

When a payment code is generated through payment information and credit card information and an authorization code necessary for processing the payment code is input, the pattern analysis agent transmits the payment code and the authorization code to the pattern image server 100 through a mobile communication system. (435).

The pattern image server 100 which has received the payment code and the authorization code from the wireless terminal 120 of the customer is connected to the Internet shopping mall 105 or the customer through the payment processing system corresponding to the credit card information included in the payment code. Process wireless electronic payment for goods purchased from paid content providers. (440)

When the pattern image server 100 completes the payment processing of the customer through the payment processing system 110 through the above process, the pattern image server 100 transmits the payment processing information to the Internet shopping mall 105 or the paid content. The provider, of course, transmits to the wireless terminal 120 of the customer 445 to notify that the payment processing for the product purchased by the customer is completed.

According to the present invention, a pattern image including payment information is encoded on a payment screen during a payment processing process of a product purchased by a customer on the Internet, and the pattern is output through a digital camera mounted on the wireless line terminal of the customer. Recognizing an image, the pattern analysis agent in the wireless terminal interprets and outputs the payment information to process the wireless electronic payment corresponding to the payment information through a payment method that the wireless terminal can provide, thereby inputting credit information. There is an advantage that payment can be made safely without. In addition, the customer has the advantage that more convenient payment can be made by simple key operation on the wireless terminal containing the payment information.

Claims (5)

In a wireless terminal device having a camera, The payment information is coded from the online shopping mall browser that is output on the client screen accessed by the user via the camera. The pattern information is output to the online shopping mall browser on the wired line. An acquisition unit for photographing and obtaining the encoded pattern image; A correction unit for correcting the acquired pattern image into a readable form based on the color representation ability of the online shopping mall browser; An extraction unit for analyzing the corrected pattern image and extracting encoded payment information; And a payment unit that performs payment processing on the extracted payment information through a user's payment means. The extraction unit, When payment information is directly encoded and included in the pattern image, the payment information is directly interpreted and extracted, When the pattern image is encoded by including an address on the Internet where payment information is stored, after analyzing and extracting a URL (Uniform Resource Location) included in the pattern image, accessing the corresponding address is to extract the payment information. , In the case of directly including some of the payment information in the pattern image, and the rest is linked through the URL, it is characterized in that by directly interpreting and extracting part of the payment information, accessing the URL address to extract and connect the remaining payment information. , The payment unit, Characterized in that the payment processing corresponding to the extracted payment information is performed using a financial IC chip provided in a wireless terminal device or connected to a financial server. The pattern image, A wireless terminal device comprising at least one of a one-dimensional barcode, a two-dimensional barcode, a three-dimensional barcode, and a color code. delete delete delete delete

Images