KR101751447B1 - Payment method and system between mobile terminals based on telephone number - Google Patents

Abstract

The present invention relates to a payment method and system for a mobile terminal based on a telephone number. More specifically, the present invention relates to a payment method and system for sharing a telephone number with a mobile terminal of a purchaser using a local area network and a seller mobile terminal requesting payment approval with reference to a telephone number of a shared purchaser, .

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment method for a portable terminal based on a telephone number,

The present invention relates to a payment method and system for a mobile terminal based on a telephone number. More specifically, the present invention relates to a payment method and system for sharing a telephone number with a mobile terminal of a purchaser using a local area network and a seller mobile terminal requesting payment approval with reference to a telephone number of a shared purchaser, .

Recently, with the development of mobile communication and multimedia technology, the demand for portable terminals, for example, smart phones has been greatly increased, and most people use portable terminals in daily life.

Meanwhile, in recent years, an increase in the number of one-person households and the expansion of the delivery infrastructure have also promoted the delivery business or the transportation business. In the case of a person delivering food or courier, the payment terminal is generally carried separately. However, it has been pointed out that it is inefficient for a carrier to carry another payment terminal while carrying a portable terminal capable of communication and calculation, because it is a burden for a delivery person and a separate terminal must be purchased for a carrier. Therefore, recently, there has been an interest in whether a mobile communication terminal such as a smart phone, which most people have, can be utilized as a payment terminal.

The present invention has been invented based on such a technical background and has been invented to provide additional technical elements which can not easily be invented by a person having ordinary skill in the art, as well as satisfying the technical requirements of the present invention.

Korean Patent Laid-open No. 10-2011-0131814 (Dec. 07, 2011)

It is an object of the present invention to enable payment processing between portable terminals, preferably smartphones.

Particularly, in this case, the present invention aims at minimizing the information exposed to the outside during settlement by allowing payment request and approval when sharing only the telephone number of the other party.

Further, the present invention aims at enhancing security by allowing a user to input a billing password set in advance at the time of payment, and furthermore, the database server in which the billing password is stored changes the storing address of the billing password at any time, Minimize the possibility.

According to another aspect of the present invention, there is provided a method of inter-mobile terminal-based payment using a telephone number, the method comprising the steps of: (a) receiving a card information, a user information and a payment password from a first user, A pre-registration step of storing all or part of the card information, the user information, and the settlement password in the mobile communication terminal and the database server, respectively; (b) a payment approval request step in which the first mobile communication terminal transmits a telephone number to the second mobile communication terminal, and the second mobile communication terminal transmits a payment approval request including the telephone number to the payment server; (c) the payment server transmits a payment information confirmation request to the first mobile communication terminal by referring to the telephone number included in the payment approval request, and upon receiving the payment information confirmation response from the first mobile communication terminal, And a payment approval step of determining whether the payment request of the mobile communication terminal is approved.

Further, in the payment method between the mobile communication terminals based on the telephone number, the first mobile communication terminal receives the payment password from the first user, transmits the payment password to the payment server, A payment authentication step of authenticating settlement by referring to the settlement password stored in the database; As shown in FIG.

Also, in the payment method between the mobile communication terminals on the basis of the telephone number, the pre-registration step may include: (a-1) receiving the card information, the user information and the payment password from the first user at the first mobile communication terminal; (a-2) storing the storage address of the card information and the payment password in the first mobile communication terminal; (a-3) transmitting, by the first mobile communication terminal, the card information, the user information, and the payment password to the database server; (a-4) storing the user information and the payment password in the database server; . ≪ / RTI >

In this case, the payment password stored in the database server in step (a-4) is stored without being matched with the user information.

Meanwhile, in the payment method between mobile communication terminals based on the telephone number, the payment authentication step may include: receiving the payment password by the first mobile communication terminal; Transmitting the billing password input by the first mobile communication terminal to the payment server; Authenticating the payment by comparing the payment server with the payment password stored in the database server; . ≪ / RTI >

In this case, the first mobile communication terminal further transmits a settlement address of the settlement password in addition to the settlement password to the settlement server, and the settlement server searches the settlement password in the database server by referring to the settlement address of the settlement password, And compares the received settlement password with the received settlement password to authenticate the settlement.

Further, the payment method between the mobile communication terminals based on the telephone number may include transmitting a new payment password storage address to the database server after the payment server authenticates the payment, and the database server storing the new payment password storage address ; And the payment server transmits the new settlement password storage address to the first mobile communication terminal.

Meanwhile, in the payment method between mobile communication terminals based on the telephone number, the payment approval request step may include: (b-1) transmitting the telephone number to the second mobile communication terminal by the first mobile communication terminal; (b-2) transmitting, by the second mobile communication terminal, a payment approval request including the telephone number, the payment amount, and the shop identification code to the payment server; And a control unit.

The billing system according to another aspect of the present invention receives card information, user information, and payment password from the first mobile communication terminal, stores the user information and the payment password, A database server for acquiring a payment password by referring to the payment password storage address when the payment authentication request is received, and transmitting the obtained payment password to the payment server; Receiving a settlement password and a settlement password storage address from the first mobile communication terminal, transmitting a settlement authentication request including the settlement password storage address to a database server, receiving a settlement password from the database server, And a payment server for comparing the payment password received from the terminal and determining whether the payment is approved.

The settlement server in the settlement system sets a new settlement password storage address for storing the settlement password of the first mobile communication terminal and transmits the new settlement password storage address to the database server and the first mobile communication terminal .

According to the present invention, as a payment mover for a mobile seller, an existing mobile communication terminal can be utilized for payment without having to carry the terminal separately.

Also, according to the present invention, if only the telephone number of the purchaser is known, the payment request and approval can be performed, so that the personal information exposed at the time of payment can be minimized.

Also, according to the present invention, there is an effect that security can be improved by changing the storage address of the settlement password at any time in storing the settlement password in the database server.

FIG. 1 shows an embodiment in which the settlement method according to the present invention can be implemented in a real life.
FIG. 2 shows the pre-registration step among the payment methods according to the present invention in order.
FIG. 3 is a flowchart illustrating a payment approval request and a payment approval step of the payment method according to the present invention.
FIG. 4 illustrates the payment authentication step during the payment approval step.

DETAILED DESCRIPTION OF THE EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment according to the present invention will be described in detail with reference to the accompanying drawings.

The embodiments disclosed herein should not be construed or interpreted as limiting the scope of the present invention. It will be apparent to those of ordinary skill in the art that the description including the embodiments of the present specification has various applications. Accordingly, any embodiment described in the Detailed Description of the Invention is illustrative for a better understanding of the invention and is not intended to limit the scope of the invention to embodiments.

The functional blocks shown in the drawings and described below are merely examples of possible implementations. In other implementations, other functional blocks may be used without departing from the spirit and scope of the following detailed description. Also, although one or more functional blocks of the present invention are represented as discrete blocks, one or more of the functional blocks of the present invention may be a combination of various hardware and software configurations that perform the same function.

In addition, the expression "including any element" is merely an expression of an open-ended expression, and is not to be construed as excluding the additional elements.

Further, when a component is referred to as being connected or connected to another component, it may be directly connected or connected to the other component, but it should be understood that there may be other components in between.

Also, the expressions such as 'first, second', etc. are used only to distinguish a plurality of configurations, and do not limit the order or other features between configurations.

It should also be understood that the term " system " described in the present invention can be embodied in the form of program code, i.e., software, which can be executed by a device or hardware that can be implemented as a single hardware device.

When a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" to another part in between. Also, when an element is referred to as "comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.

Hereinafter, a method of using the payment method according to the present invention in real life will be described with reference to FIG.

FIG. 1 is a flowchart illustrating a procedure in which a mobile seller visits a buyer's house to pay for goods or food after paying a fee. The mobile seller referred to in the present invention refers to a person who can carry goods, service delivery, and settlement by carrying a payment terminal mainly to a place where a buyer exists, such as a courier delivery manpower, a food delivery manpower, 1 (a) shows a step of sharing a telephone number through bumping (light contact) between a buyer terminal and a seller terminal. At this time, the purchaser terminal and the seller terminal are presumed to be portable terminals capable of communication, and preferably they can be smart phones. In this case, an application capable of performing payment according to the present invention may be installed in the portable terminal.

It should be understood that bumping between the two terminals is an example of various methods for sharing information among each other, and information sharing between two terminals may be performed through NFC, Bluetooth, infrared communication, or the like.

1 (b) shows a display window of the seller terminal after the telephone number of the purchaser terminal is shared. 1 (b), a telephone number of the purchaser is displayed on the seller terminal, and a payment amount column, a seller identification code, etc., in which the seller can directly input the payment amount can be displayed. The display content is preferably displayed by an interface of the payment application. On the other hand, the seller terminal requests payment approval after inputting the payment amount, and then the window as shown in FIG. 1C is displayed on the buyer terminal.

1 (c) shows contents displayed on the purchaser's terminal. According to this, after the payment approval request of the seller terminal, the buyer terminal displays the payment information so that the buyer can directly check the store identification code and the payment amount, and also the interface in which the buyer finally inputs the payment password Is provided. That is, through this process, the purchaser can confirm whether the seller has input an accurate payment amount or an accurate commodity (goods), and after the confirmation is made, the payment is finally approved by inputting the payment password .

On the other hand, after the settlement is completed according to the steps (a) to (c) of FIG. 1, the settlement completion indication is displayed as shown in (d).

As described above, the payment method according to the present invention can be utilized mainly in the process of payment when the goods or services are delivered by the buyer. As the buyer, the act of sharing the phone number with the mobile terminal of the mobile seller, The payment can be easily made only by the act of inputting.

Hereinafter, a payment method and a payment system will be described with reference to FIG. 2 to FIG.

The payment method according to the present invention includes three steps: a pre-registration step, a payment approval request step, and a payment approval step, wherein the payment approval step may further include a payment authentication step.

The pre-registration step is a step of storing user information and a payment password in the database server 500 in advance in order to use the payment method according to the present invention. Fig. 2 shows the pre-registration step in order.

In the pre-registration step, the first mobile communication terminal 100 and the database server 500 are the main components, and the verification server 600 may be further provided if necessary. In this case, the first mobile communication terminal 100 may be understood to mean a mobile communication terminal of a purchaser, and the database server 500 means a server accessed by the payment server 400 in the future payment approval.

The first step in the pre-registration step is a step S211 in which the first mobile communication terminal 100 receives the card information, the user information, and the settlement password from the user. This step may be performed through an application installed in the first mobile communication terminal 100. The card information may include a card number, an expiration date, and a CVC number, and the user information may include a name, a telephone number, a date of birth, and the like.

After step S211, the first mobile communication terminal 100 transmits the received information to the database server 500 (S212), and at the same time, the card information of the information is stored in the storage means of the first mobile communication terminal 100 (S213). In this case, the step S212 is preferably performed through a mobile communication network.

On the other hand, the database server 500 receiving the card information, the user information, and the payment password from the first mobile communication terminal 100 may select some of the information and store the selected information in the database server 500, It may further perform a step of verifying whether or not the card information is valid. That is, the database server 500 may perform 'card information verification request' to the verification server 600 in order to verify whether or not the card information of the user is valid (S214). In the verification server 600, And provides the result to the database server 500 (S215). At this time, the verification server 600 is a server that stores the card information and user information of the user, and may be a financial institution such as a card company or a bank that issued the card to the user.

On the other hand, if it is determined that the card information is valid after the verification of the card information is completed, the database server 500 stores the user information and the payment password in the received information (S216). At this time, it may be possible to store the card information in the database server 500 technically, but it should be understood that there are cases in which the card information can not be stored according to the regulations set by the government. In this detailed description, it is assumed that card information in the database server 500 can not be stored.

In step S216, the database server 500 internally stores the telephone number of the user information, and the telephone number is stored by being matched with the encryption assistance key assigned to each individual user. That is, the telephone number and the encryption assistance key are independently matched and stored for each individual user. At this time, there may be a matching key for matching the telephone number and the encryption auxiliary key.

On the other hand, the database server 500 stores the billing password in an arbitrary storage address independently of the telephone number and the encryption assistance key. That is, the database server 500 completely disassociates the billing password so that the telephone number of the user and the encryption assistance key can not be associated with the billing password, so that even if the information in the database server 500 is leaked by the external hacking in the future, It is impossible to know whether or not it is.

After storing the information as described above, the database server 500 transmits the storage address of the billing password and the encryption assistance key to the first mobile communication terminal 100 (S217), and the first mobile communication terminal 100 The storage address and the encryption assistance key are stored in the internal storage means (S218). That is, in the pre-registration step, the database server 500 provides the first mobile communication terminal 100 with which storage address the payment password is stored, thereby allowing the first mobile communication terminal 100 to store the storage address And can make payment authentication by reference. Also, the encryption auxiliary key is utilized when the card information is stored in the first mobile communication terminal 100. The first mobile communication terminal 100 encrypts the card information, especially the card number, And stored in the internal storage means.

The pre-registration step has been described with reference to FIG.

FIG. 3 is a flowchart illustrating a procedure of a payment approval request and a payment approval on a system including the first mobile communication terminal 100, the second mobile communication terminal 200, and the payment server 400 in order.

The payment approval request and payment approval step are a step in which a payment is made between a buyer and a mobile seller. The first mobile communication terminal 100 and the second mobile communication terminal 200, the payment server 400 ). In this case, the first mobile communication terminal 100 may be a purchaser's terminal, and the second mobile communication terminal 200 may be understood as a mobile merchant's terminal.

First, the payment approval requesting step starts from the step S310 in which the first mobile communication terminal 100 transmits a telephone number to the second mobile communication terminal 200, that is, the step of the purchaser transmitting the telephone number to the mobile merchant. The method for the first mobile communication terminal 100 to transmit the telephone number may be a bumping method as described above with reference to FIG. 1, and various methods such as NFC, Bluetooth, and infrared communication may exist.

After the telephone number is shared from the purchaser's mobile communication terminal, the second mobile communication terminal 200 displays a payment amount input field for receiving the payment amount so that the mobile seller can directly input the payment amount. (S320)

After step S320, the second mobile communication terminal 200 transmits a payment approval request including the telephone number, the payment amount, and the shop identification code of the first mobile communication terminal 100 to the payment server 400. [ (S330). At this time, the store identification code is a code for distinguishing which shop of the second mobile communication terminal 200 is requesting settlement of goods or services. The code is, for example, a store name, Or any other combination of letters, numbers, or any combination thereof.

The payment server 400 having received the payment approval request extracts the telephone number of the first mobile communication terminal 100 and performs a matching operation with the telephone number (S340). At this time, the matching operation is a process of searching the phone number list stored in the payment server 400 or the phone number list stored in the database server 500 in the same phone number as the phone number in the payment approval request it means. That is, the payment server 400 searches for the telephone number of the first mobile communication terminal 100 that is pre-registered in the payment server 400 or the database server 500.

After performing the phone number matching step, the payment server 400 requests the first mobile communication terminal 100 to input a payment information confirmation request and a payment password. (S350). In this step, the user of the first mobile communication terminal 100, that is, the purchaser of the first mobile communication terminal 100, receives payment information (payment goods or services, payment amount, store) And at the same time securing the security by finally receiving the payment password of the buyer.

The steps S310 to S350 described above are defined as a payment approval requesting step.

Steps S360 to S390 are a payment approval step. The payment approval step determines whether payment has been approved based on the response from the first mobile communication terminal 100, i.e., the purchaser, that the payment server 400 has received the payment information and the payment password, To the communication terminal (100) and the second mobile communication terminal (200).

Specifically, the payment approval step includes a step S360 in which the payment server 400 receives the settlement information confirmation response and the settlement password from the first mobile communication terminal 100 (S360). At this time, the settlement information confirmation response is a data packet informing that the user of the first mobile communication terminal 100 has confirmed the information to be currently paid. The payment password is set by the user (buyer) of the first mobile communication terminal 100 The same payment password as that previously registered in the database server 500. [

After step S360, the payment server 400 determines whether to approve the payment request (S370). The determination as to whether or not the payment is approved is made by checking whether the payment password is the same as the payment password stored in the database server 500. In addition to checking the identity of the payment password, The credit status of the purchaser, whether the card is valid or not, and determine whether the payment is approved.

After the settlement approval decision is made, the payment server 400 transmits the approval result to the first mobile communication terminal 100 and the second mobile communication terminal 200 (S380 and S390).

The steps S360 and S370 described above are performed according to the procedure shown in FIG. 4 in detail. In the present detailed description, the two steps are collectively referred to as a settlement authentication step. Hereinafter, the payment authentication step will be described with reference to FIG.

First, in step S360, the step starts from a step S361 in which the first mobile communication terminal 100 loads the storage address of the payment password and a step S362 in which the payment password input is received.

The step of loading the storage address of the payment password is a step of loading the payment password storage address received and stored from the database server 500 by the first mobile communication terminal 100 in the 'pre-registration step'. In this step, the first mobile communication terminal 100 delivers information so that the payment server 400 can refer to a storage address when determining the identity with the payment password in the database server 500, Exists because the settlement password in the database server 500 is variable and the storage address is changed. That is, the first mobile communication terminal 100 receives and stores the storage address at the time when the settlement password is last stored in the database server 500, and provides the settlement address to the settlement server 400 400) to search for a payment password.

The step of receiving the payment password input is a step in which the first mobile communication terminal 100 receives the payment password from the purchaser. The above input is received through an interface of an application installed in the first mobile communication terminal 100.

When the first mobile communication terminal 100 transmits the payment password and the storage address acquired in advance to the payment server 400 in step S363, the payment server 400 sends the received storage address to the database server 500, (Step S371). Thereafter, the database server 500 searches the settlement password by referring to the storage address, and provides the found settlement password to the settlement server 400. (S372)

After step S372, the payment server 400 compares the payment password received from the first mobile communication terminal 100 with the payment password received from the database server 500 and determines whether they are the same or not. Authentication.

Next, the payment server 400 sets a new storage address to store the payment password, and delivers the new storage address to the database server 500 and the first mobile communication terminal 100, respectively. (S374, S375, S376) When the new storage address is received, the database server 500 moves and stores the previously stored payment password in the storage address. (S377) This step is an essential step for fluidly managing the settlement password. Whenever one settlement authentication is performed, the settlement server 400 determines a new store address and transmits it to the database server 500 and the first mobile communication terminal 100, . If the storage address of the settlement password is continuously changed as described above, the settlement security can be further enhanced.

The preferred embodiments and application examples of the present invention have been shown and described.

In addition, the present invention is not limited to the above-described specific embodiments and application examples, and various changes and modifications can be made by those skilled in the art without departing from the gist of the present invention as claimed in the claims. And it is to be understood that such modifications are not to be understood from the technical idea or viewpoint of the present invention.

100 first mobile communication terminal
200 second mobile communication terminal
400 Payment Server
500 database server
600 validation server

Claims (10)

A payment method between mobile communication terminals based on a telephone number,
(a) the first mobile communication terminal receives the card information, the user information, and the payment password from the first user, stores all or part of the card information, the user information, and the payment password in the first mobile communication terminal and the database server A pre-registration step;
(b) a payment approval request step in which the first mobile communication terminal transmits a telephone number to the second mobile communication terminal, and the second mobile communication terminal transmits a payment approval request including the telephone number to the payment server;
(c) the payment server transmits a payment information confirmation request to the first mobile communication terminal by referring to the telephone number included in the payment approval request, and upon receiving the payment information confirmation response from the first mobile communication terminal, A payment approval step of determining whether the payment request of the mobile communication terminal is approved;
, ≪ / RTI &
The pre-
(a-1) the first mobile communication terminal receiving the card information, the user information, and the payment password from the first user;
(a-2) storing the storage address of the card information and the payment password in the first mobile communication terminal;
(a-3) transmitting, by the first mobile communication terminal, the card information, the user information, and the payment password to the database server;
(a-4) storing the user information and the payment password in the database server;
Lt; / RTI >
Wherein the user information includes a telephone number,
In the step (a-4), the database server matches the telephone number with the encryption auxiliary key assigned to each individual user,
the billing password stored in the database server in the step (a-4) is stored in an arbitrary storage address without being matched with the user information independently of the telephone number and the encryption assistance key,
After step (a-4), the database server transmits the storage address of the billing password and the encryption assistance key to the first mobile communication terminal, the first mobile communication terminal encrypts the card number using the encryption assistance key, (Method for Payment among Number Base Mobile Terminals).
The method according to claim 1,
The step (c)
The first mobile communication terminal receives the payment password from the first user, transmits the payment password to the payment server, and the payment server authenticates the payment by referring to the payment password stored in the database.
The method comprising the steps of:


delete delete 3. The method of claim 2,
In the payment authentication step,
Receiving a payment password from the first mobile communication terminal;
Transmitting the billing password input by the first mobile communication terminal to the payment server;
Authenticating the payment by comparing the payment server with the payment password stored in the database server;
Wherein the mobile communication terminal is a mobile communication terminal.
6. The method of claim 5,
The first mobile communication terminal transmits to the payment server a payment address in addition to the payment password,
The payment server searches the settlement password in the database server by referring to the storage address of the settlement password, and authenticates the settlement by comparing the found settlement password with the received settlement password. Payment Method.
The method according to claim 6,
After the payment server authenticates the payment,
Transmitting a new settlement password storage address to the database server, and the database server storing the previously stored settlement password as the new settlement password storage address;
The payment server transmitting the new settlement password storage address to the first mobile communication terminal;
The method comprising the steps of: (a) receiving a telephone number of a mobile communication terminal;
The method according to claim 1,
The payment authorization request step,
(b-1) transmitting the telephone number of the first mobile communication terminal to the second mobile communication terminal;
(b-2) transmitting, by the second mobile communication terminal, a payment approval request including the telephone number, the payment amount, and the shop identification code to the payment server;
Wherein the mobile communication terminal is a mobile communication terminal.
delete delete

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