KR101139169B1 - Payment system and method using mobile originated temporary virtural account and mobile message - Google Patents

Abstract

Disclosed are a payment system and method using a MO temporary virtual account and a mobile message. The payment system generates MO (Mobile Originated) payment account according to the request received from the seller's system, and uses the information about the MO payment account processing unit and the MO payment account that provides information on the MO payment account to the terminal of the corresponding buyer. When the generated MO payment message is delivered through the mobile communication company system, it includes a payment processing unit for processing the payment using the MO payment message.

Description

Payment system and method using MMO temporary virtual account and mobile message {PAYMENT SYSTEM AND METHOD USING MOBILE ORIGINATED TEMPORARY VIRTURAL ACCOUNT AND MOBILE MESSAGE}

Embodiments of the present invention relate to a payment system and method using a MO temporary virtual account and a mobile message.

In the case of the conventional mobile payment service, when the buyer enters the payment information on the seller's web page and requests an authorization number, the authorization number is transmitted from the mobile carrier to the buyer's mobile terminal, and the authorization number is returned to the web page. You had to enter it.

1 is a view for explaining a method for providing a mobile phone payment service in the prior art. 1 illustrates a user 101, a shopping mall system 102, a mobile phone payment service system 103, and a mobile telecommunication company system 104.

First, when a user 101 who wants to access a shopping mall and purchase a product or service of a shopping mall requests a payment 111 to the shopping mall system 102 using a wired or wireless terminal such as a PC or a smartphone, the shopping mall system 102. Requests 112 the user's payment to the mobile phone payment service system 103. In this case, the mobile phone payment service system 103 generates 113 a payment window that can be checked on the wired / wireless terminal of the user 101.

When the user 101 inputs payment information through the payment window and requests the approval number 114, the payment information input through the payment window is sent to the mobile phone payment service system 103. In this case, as shown in FIG. 1, the payment information may include information for identifying a mobile communication company of a mobile phone to be settled, a phone number of the corresponding mobile phone, and information for identifying a subscriber of the mobile phone.

The mobile phone payment service system 103 requests the subscriber information confirmation to the corresponding mobile communication company system 104 using the above-described payment information 116, and the mobile communication company system 104 transmits the subscriber information to the mobile payment service system 103. Check (117).

The mobile phone payment service system 103 requests the mobile phone company system 104 to send the approval number 118, and the mobile phone company system 104 approves the mobile phone corresponding to the mobile phone number entered by the user 101. The number is transmitted (119).

Meanwhile, when the user 101 inputs payment information through the payment window and requests the approval number 114, a payment request window for receiving the approval number is generated in the wired / wireless terminal of the user 101. After entering the approval number received through the mobile communication company system 104 in the payment request window and requesting payment 120, the approval number is transmitted 121 to the mobile phone payment service system 103.

The mobile phone payment service system 103 may process the mobile phone micropayment using the received approval number, and transmit a message 122 confirming that the payment is completed to the shopping mall system 102. In addition, the mobile phone payment service system 103 may request 123 to send the payment result to the user to the mobile communication company system 104, the mobile communication company system 104 to send the payment result to the mobile phone of the user 101 The dispatch 124 may confirm that the payment is completed. In addition, the shopping mall system 102 may also transmit 125 a message confirming that payment is completed to the wired / wireless terminal of the user 101.

However, the payment method according to the related art has a difficulty in completing the payment without the purchaser accessing the web page without having a mobile communication terminal such as a mobile phone. That is, the purchaser has to enter the approval number transmitted to the mobile communication terminal again through the wired / wireless terminal used to access the web page, so that the payment is possible only when the wired / wireless terminal and the mobile communication terminal are held together.

In the present specification, a payment system and a method capable of paying a mobile phone more efficiently are provided.

If you provide information about a Mobile Originated (MO) payment account to a buyer who wishes to purchase your goods or services, and the buyer sends a MO payment message to the MO payment account using the MO service, the payment can be processed. A payment system and method are provided.

Even if the owner of the mobile communication terminal is remote from the purchaser, the payment system and method that can be completed simply by sending a message to the MO payment account through the mobile communication terminal is provided.

A payment system capable of allowing a payment to be performed using a pre-registered phone number and a MO payment account when making a payment for a repetitive situation by storing a specific MO payment account and at least one phone number in advance as necessary and related to each other; A method is provided.

The MO (Mobile Originated) payment account is generated according to the request received from the seller's system, and is generated by using the MO payment account processing unit and the MO payment account, which provide information on the MO payment account to the corresponding buyer's terminal. When the MO payment message is transmitted through the mobile communication company system, a payment system including a payment processing unit for processing a payment using the MO payment message is provided.

According to one side, the MO payment account may include a virtual account that is generated temporarily, the information on the MO payment account may be the account number of the MO payment account, and the receiving number of the MO payment message.

According to another aspect, the information on the MO payment account may have a unique value for each payment.

According to another aspect, the payment system may further include a phone number maintaining unit for storing and maintaining at least one phone number transmitted from the seller's system in association with the MO payment account when requested. In this case, the payment processing unit may process the payment according to the seller's request for the MO payment message including the telephone number as the transmission number and the information about the MO payment account as the reception number.

According to another aspect, the payment system may further include a user interface providing unit that provides a user interface for receiving payment information to the purchaser's terminal according to a request received from the seller's system. In this case, the payment system may receive payment information of the buyer through the user interface.

According to another aspect, the buyer's payment information may be stored and maintained in the seller's system. At this time, the payment system may receive the buyer's payment information through the seller's system.

According to another aspect, the payment system may further include a guide message sending request unit for requesting the sending of the guide message for the MO payment account generated by the mobile carrier system, the guide message may include at least information on the MO payment account; It may include.

Generating MO payment account according to the request received from the seller's system, providing information about the MO payment account to the buyer's terminal, and the MO payment message generated using the information on the MO payment account is the mobile carrier system. When delivered through, a payment method is provided that includes a step of processing a payment using a MO payment message.

If a buyer wants to purchase a seller's goods or services, he / she can provide information about the MO (Mobile Originated) payment account, and if the buyer sends the MO payment message to the MO payment account using the MO service, the payment can be processed. .

Even if the owner of the mobile communication terminal is remote from the buyer, the owner can easily complete the payment by sending a message to the MO payment account through the mobile communication terminal.

If necessary, by storing the specific MO payment account and at least one phone number in advance, the payment may be performed using the pre-registered phone number and the MO payment account when the payment is repeated.

1 is a view for explaining a method for providing a mobile phone payment service in the prior art.
2 is a view for explaining a method for providing a cellular phone payment service according to an embodiment of the present invention.
3 is a block diagram illustrating an internal configuration of a payment system according to an embodiment of the present invention.
4 is a flowchart illustrating a payment method according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

2 is a view for explaining a method for providing a cellular phone payment service according to an embodiment of the present invention. 1 illustrates a user 201, a shopping mall system 202, a mobile phone payment service system 203, and a mobile telecommunication company system 204.

First, when a user 201 who wants to access a shopping mall and purchase a product or service of the shopping mall requests a payment to the shopping mall system 202 using a wired or wireless terminal such as a PC or a smartphone (211), the shopping mall system 202 Requests 212 the user's payment to the mobile phone payment service system 203. In this case, the mobile phone payment service system 203 generates 213 a payment window that can be checked on the wired / wireless terminal of the user 201.

When the user 201 inputs payment information through the payment window and requests 214 a MO payment account, the payment information input through the payment window is sent to the mobile phone payment service system 203 (215). In this case, as shown in FIG. 2, the payment information may include information for identifying a mobile carrier of a mobile phone to be settled, a phone number of the corresponding mobile phone, and information for identifying a subscriber of the mobile phone.

The mobile payment service system 203 requests the subscriber information confirmation to the corresponding mobile service provider system 204 using the above-described payment information 216, and the mobile communication service provider system 204 transmits the subscriber information to the mobile payment service system 203. Check (217).

At this time, the mobile phone payment service system 203 does not request to send the approval number to the mobile carrier system 204, but generates a MO payment account and transmits information about the MO payment account to the wired / wireless terminal of the user 201 ( 218). In this case, the MO payment account may include a virtual account temporarily generated, and the information about the MO payment account may be an account number of the virtual account and a reception number used when sending the MO payment message. That is, FIG. 2 shows an MO payment account number "# 49891234" as an example of information on the MO payment account.

When the user 201 sends the mobile payment telephone number input as the payment information as the transmission number and the MO payment account number "# 49891234 " as the receiving number (219), the mobile communication system 204 sends the MO payment message. The payment message is received and transmitted to the mobile phone payment service system 203 (220).

That is, the mobile phone payment service system 203 may receive the MO payment message and make a payment using a mobile phone number that is a transmission number of the MO payment message. The mobile phone payment service system 203 transmits a message 221 to confirm that the payment is completed to the shopping mall system 202, and requests 222 to the mobile communication company system 204 to send a payment result.

In this case, the mobile communication company system 204 transmits a message including the payment result to the mobile phone corresponding to the mobile phone number 223, and the shopping mall system 202 transmits a message including the payment result to the wired / wireless terminal of the user 201. And transmit 224.

When the payment is completed, the transaction price for the purchase of the goods or services may be included in the communication cost of the mobile phone subscriber.

3 is a block diagram illustrating an internal configuration of a payment system according to an embodiment of the present invention. The payment system 300 according to the present embodiment may correspond to the mobile phone payment service system 203 described with reference to FIG. 2. As shown in FIG. 3, the payment system 300 may include a user interface providing unit 310, a MO payment account processing unit 320, and a payment processing unit 330.

The user interface providing unit 310 provides a purchaser's terminal with a user interface for receiving payment information according to a request received from the seller's system. For example, the user interface providing unit 310 may provide the payment window described with reference to FIG. 2 to the purchaser's terminal. In this case, the payment system 300 may receive payment information of the buyer through the user interface. Here, the payment information of the buyer may include information for identifying the mobile carrier of the mobile phone to be paid, the phone number of the mobile phone and information for identifying the subscriber of the mobile phone. For example, when a buyer requests payment for a purchase of a product or service through the seller's web page, the seller's system may request the buyer's payment to the payment system 300, in which case the user interface provider 310 ) May provide a user interface to the terminal of the buyer based on the buyer's information delivered with the payment request.

The MO payment account processing unit 320 generates a MO (Mobile Originated) payment account according to a request received from the seller's system, and provides information on the MO payment account to the terminal of the corresponding buyer. Here, the MO payment account may include a temporarily generated virtual account, the information on the MO payment account may be the account number of the virtual account, and the receiving number of the MO payment message. In addition, the information on the MO payment account may have a unique value for each payment.

The payment processing unit 330 processes the payment using the MO payment message when the MO payment message generated using the information on the MO payment account is transmitted through the mobile communication company system. That is, the payment processing unit 330 is a phone number included in the payment information of the buyer, if the information about the MO payment account, for example, a MO payment message with the MO payment account number as the receiving number is transmitted through the mobile carrier system. Payment may be performed such that the transaction price is included in the communication cost of the subscriber corresponding to the.

In the present embodiment, the payment system 300 receives the purchaser's payment information including the user interface 310, but in another embodiment, the payment system 300 instead of the user interface 310, the seller's system Buyer's payment information may be stored and maintained. In this case, the payment system 300 may receive the buyer's payment information through the seller's system.

In addition, in the present embodiment, the MO payment account having a unique value is used for each payment, but in another embodiment, the payment system 300 includes at least one phone number transmitted from the seller's system when the seller requests the MO payment account. It may further include a telephone number holding unit (not shown) for storing and maintaining in association. That is, the information about the MO payment account may have a unique value for at least one registered phone number instead of having a unique value for each payment. In this case, the payment processing unit 330 may process the payment according to the seller's request for the MO payment message including the phone number as the transmission number and the information about the MO payment account as the reception number. For example, the MO account number for church offerings and the phone numbers of church members are registered in advance and stored, and the MO payment message includes the information about the MO account number as a receiving number and the phone numbers of the members as the sending number. When receiving, the predetermined cost is added to the communication fee charged to the subscriber of the phone number can be processed to be settled. As another example, when a particular product or service is repeatedly purchased, the MO payment account and the purchaser's phone number are stored and registered in association with each other, thereby simplifying the payment process after the first payment.

In addition, in the present embodiment, the information about the MO payment account is transmitted only to the purchaser's terminal. In another embodiment, the information about the MO payment account may be further transmitted to the terminal of the subscriber of the telephone number included in the payment information of the buyer. . For example, the payment system 300 may further include a guide message sending request unit (not shown) requesting the sending of the guide message for the MO payment account generated by the mobile communication company's system. In this case, the guide message may include at least information about the MO payment account. That is, when the purchaser and the subscriber are different from each other, the guidance message may be transmitted for the protection of the subscriber or to allow the subscriber to help the purchaser at a remote location.

As such, a process for protecting the buyer or subscriber information or a process for protecting the buyer or subscriber may be further added as necessary. That is, the present invention is not limited to the embodiment described above. For example, a process of confirming whether the MO payment message is sent from the subscriber's mobile terminal may be further added to protect the subscriber.

4 is a flowchart illustrating a payment method according to an embodiment of the present invention. The payment method according to the present embodiment may be performed by the payment system 300 described with reference to FIG. 3. In FIG. 4, a payment method will be described by describing a process in which each step is performed by the payment system 300.

In operation 410, the payment system 300 provides a user interface for receiving payment information according to a request received from the seller's system, to the purchaser's terminal. For example, the payment system 300 may provide the payment window described with reference to FIG. 2 to the purchaser's terminal. In this case, the payment system 300 may receive payment information of the buyer through the user interface. Here, the payment information of the buyer may include information for identifying the mobile carrier of the mobile phone to be paid, the phone number of the mobile phone and information for identifying the subscriber of the mobile phone. For example, when a buyer requests payment for a purchase of a product or service through the seller's web page, the seller's system may request the buyer's payment to the payment system 300, in which case the payment system 300 The user interface may be provided to the terminal of the buyer based on the buyer's information delivered with the payment request.

In step 420, the payment system 300 generates a MO payment account according to the request received from the seller's system, and provides information about the MO payment account to the terminal of the buyer. Here, the MO payment account may include a temporarily generated virtual account, the information on the MO payment account may be the account number of the virtual account, and the receiving number of the MO payment message. In addition, the information on the MO payment account may have a unique value for each payment.

In operation 430, the payment system 300 processes the payment using the MO payment message when the MO payment message generated using the information on the MO payment account is transmitted through the mobile communication company system. That is, the payment system 300 is a phone number included in the payment information of the buyer when the information about the MO payment account, for example, the MO payment message with the MO payment account number as the receiving number is transmitted through the mobile carrier system. Payment may be performed such that the transaction price is included in the communication cost of the subscriber corresponding to the.

In this embodiment, the payment method receives the buyer's payment information, including the step of providing the user interface to the buyer's terminal (410), in another embodiment, the buyer's payment information in the seller's system instead of providing the user interface Can be stored and maintained. In this case, the payment system 300 may receive the buyer's payment information through the seller's system in step 410.

In addition, in the present embodiment, the MO payment account having a unique value is used for each payment, but in another embodiment, the payment system 300 includes at least one phone number transmitted from the seller's system when the seller requests the MO payment account. And storing and maintaining in association (not shown). That is, the information about the MO payment account may have a unique value for at least one registered phone number instead of having a unique value for each payment. In this case, the payment system 300 may process the payment according to the seller's request for the MO payment message including the phone number as a transmission number and the information about the MO payment account as a receiving number in step 430. have. For example, the MO account number for church offerings and the phone numbers of church members are registered in advance and stored, and the MO payment message includes the information about the MO account number as a receiving number and the phone numbers of the members as the sending number. When receiving, the predetermined cost is added to the communication fee charged to the subscriber of the phone number can be processed to be settled. As another example, when a particular product or service is repeatedly purchased, the MO payment account and the purchaser's phone number are stored and registered in association with each other, thereby simplifying the payment process after the first payment.

In addition, in the present embodiment, the information about the MO payment account is transmitted only to the purchaser's terminal. In another embodiment, the information about the MO payment account may be further transmitted to the terminal of the subscriber of the telephone number included in the payment information of the buyer. . For example, the payment system 300 may further include a step (not shown) for requesting the sending of a guide message for the MO payment account generated by the system of the mobile communication company. In this case, the guide message may include at least information about the MO payment account. That is, when the purchaser and the subscriber are different from each other, the guidance message may be transmitted for the protection of the subscriber or to allow the subscriber to help the purchaser at a remote location.

As such, a process for protecting the buyer or subscriber information or a process for protecting the buyer or subscriber may be further added as necessary. That is, the present invention is not limited to the embodiment described above. For example, a process of confirming whether the MO payment message is sent from the subscriber's mobile terminal may be further added to protect the subscriber.

As such, according to embodiments of the present invention, the information about the MO payment account is provided to the buyer who wants to purchase the goods or services of the seller, and the buyer sends the MO payment message to the MO payment account using the MO service. In this case, payment can be processed, and even if the owner of the mobile communication terminal is remote from the purchaser, the owner can easily complete the payment by transmitting a message to the MO payment account through the mobile communication terminal. In addition, if necessary, by storing the specific MO payment account and at least one phone number in association with each other in advance, payment can be performed using the pre-registered phone number and the MO payment account when the payment is repeated.

Methods according to an embodiment of the present invention can 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. In addition, the above-described file system can be recorded in a computer-readable recording medium.

As described above, the present invention has been described by way of limited embodiments and drawings, but 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.

300: payment system
310: user interface providing unit
320: MO payment account processing unit
330: payment processing unit

Claims (15)

A MO payment account processing unit for generating a mobile originated (MO) payment account according to a request received from a seller's system and providing information on the MO payment account to a corresponding purchaser's terminal; And
If the MO payment message generated using the information on the MO payment account is delivered through a mobile carrier system, a payment processing unit for processing the payment using the MO payment message.
Including,
The information about the MO payment account is the account number of the MO payment account, which is a temporary virtual account, and the payment system, characterized in that the receiving number of the MO payment message. delete The method of claim 1,
The information about the MO payment account has a unique value for each payment, payment system. The method of claim 1,
A telephone number holding unit for storing and maintaining at least one telephone number transmitted from the seller's system in association with the MO payment account upon the request.
Further comprising:
The payment processing unit,
The payment system including the phone number as a transmission number, and processing the payment according to the seller's request for the MO payment message containing the information about the MO payment account as a receiving number. The method of claim 1,
A user interface providing unit that provides a user interface for receiving payment information according to a request received from a seller's system to the terminal of the buyer.
Further comprising:
And receive payment information of the buyer through the user interface. The method of claim 1,
The payment information of the buyer is stored and maintained in the seller's system,
And payment information of the buyer through the seller's system. The method of claim 1,
Guide message sending request unit requesting the sending of the guide message for the generated MO payment account to the system of the mobile communication company
Further comprising:
The guide message includes at least information about the MO payment account. delete delete delete delete delete delete delete delete

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