KR101822488B1 - Simple payment processing service apparatus using mobile phone number and password, and operating method thereof - Google Patents

Abstract

Disclosed are a service apparatus for processing an easy payment using a mobile phone number and a password, and an operating method thereof. According to the service apparatus of the present invention, information on a mobile phone number, a password for an easy payment, and a payment means pre-registered by a plurality of customers for the easy payment, is stored in a customer information database, and then when an easy payment request is received from a client terminal of a specific customer, the mobile phone number and the password for the easy payment of the customer are received. Thereafter, when it is confirmed that the mobile phone number and the password for the easy payment are stored in the customer information database, a payment for a product purchased by the customer in a content providing server is performed. As a result, the customer can simply proceed with a payment process with only the phone number and the password. The service apparatus for processing an easy payment of the present invention comprises: a customer information database; an information deleting unit for deleting information on a payment means and history information from the customer information database; an information request unit; a payment processing execution unit; a history information updating unit for updating first history information; and a completion message transmitting unit.

Description

TECHNICAL FIELD [0001] The present invention relates to a simple payment processing service apparatus using a mobile phone number and a password,

The present invention relates to a simple payment processing service apparatus and a method of operating the same for supporting a simple payment process for a commodity price using a mobile phone number and a password for a commodity purchased from a content providing server by a customer.

Recently, as the spread of the Internet has become active, there has been an increasing use of systems for purchasing and paying for goods through the Internet.

In the electronic commerce system using the Internet, a user accesses a contents provider server that sells various goods using his / her client terminal, purchases a product he / she wants to purchase, And so on.

As the electronic commerce system using the Internet becomes widespread, various types of settlement accidents are often caused by exposing information for user authentication such as a password in a payment process.

Accordingly, in the e-commerce system, user authentication has become an important issue. In order to perform user authentication with enhanced security, it is possible to use an authorized certificate in the settlement process or introduce a two-channel text message based authentication Complex authentication procedures have begun to be included in the settlement process.

However, the billing system including such a complicated authentication procedure has a disadvantage in that it requires a user to have fatigue and a large number of add-on programs for performing a user authentication process are installed in a client terminal performing electronic payment And even complicated user authentication procedures are easily caused by hackers, which complicates the electronic payment process.

Therefore, when a user makes a payment for a product purchased through e-commerce, the electronic payment can be processed simply by a password, and at the same time, a simple payment Research on the treatment system is needed.

When a simple settlement request is received from a client terminal of a specific customer after storing a mobile phone number, a password for a simple settlement and a payment means in advance in a customer information database, If the mobile phone number and the simple settlement password are received and it is determined that the mobile phone number and the simple settlement password are stored in the customer information database, The present invention provides a simple payment processing service device and its operation method capable of supporting a simple settlement process by a customer using only a mobile phone number and a password.

A simple payment processing service device using a mobile phone number and a password according to an embodiment of the present invention includes a mobile phone number registered in advance for easy payment by a plurality of customers, a password for easy payment for each of the plurality of customers, A customer information database in which pieces of information on payment means registered in advance are stored in correspondence with each other, a simple payment processing request for the first goods purchased by the first customer from the contents providing server is received from the client terminal of the first customer The mobile terminal receives information on the amount of the first commodity from the content providing server and transmits to the client terminal of the first client a mobile phone number previously registered for easy payment by the first client and a password for easy settlement From the client terminal of the first client An information confirmation unit for confirming whether the first mobile phone number and the first simple settlement password are stored in association with each other on the customer information database when the first mobile phone number and the first simple settlement password are received, When it is determined that the first mobile phone number and the first simple settlement password are stored in association with each other on the information database, the first mobile phone number stored in the customer information database corresponding to the first mobile phone number A settlement processing performing unit for confirming the information and performing settlement processing based on the information on the first settlement unit by the amount of the first commodity; and a settlement processing unit for notifying the content providing server that the settlement processing for the first commodity is completed And a completion message transmission unit for transmitting a process completion message.

Also, a method of operating a simple payment processing service apparatus using a mobile phone number and a password according to an embodiment of the present invention may include a mobile phone number registered in advance for easy payment by a plurality of customers, a password for a simple payment for each of the plurality of customers And maintaining a customer information database in which information on payment means registered in advance by each of the plurality of customers is stored in association with each other, the method comprising the steps of: receiving, from a client terminal of a first customer, The information processing apparatus according to any one of claims 1 to 3, further comprising: an information processing unit for receiving information on the amount of the first merchandise from the content providing server when receiving a simple settlement processing request for the merchandise, Requesting transmission of a mobile phone number and a password for easy settlement; When the first mobile phone number and the first simple settlement password are received from the client terminal of the client terminal, checking whether the first mobile phone number and the first simple settlement password are stored in association with each other on the customer information database If it is determined that the first mobile phone number and the first simple settlement password are stored in association with each other on the customer information database, Means for confirming information about the first goods and performing payment processing based on the information about the first payment means for the amount of the first goods, and a step of notifying the contents providing server of the completion of the payment processing for the first goods And transmitting a processing completion message.

When a simple settlement request is received from a client terminal of a specific customer after storing a mobile phone number, a password for a simple settlement and a payment means in advance in a customer information database, If the mobile phone number and the simple settlement password are received and it is determined that the mobile phone number and the simple settlement password are stored in the customer information database, It is possible to provide a simple settlement processing service apparatus and an operation method thereof that can support a simple settlement process by a customer using only a mobile phone number and a password.

1 is a diagram illustrating a structure of a simple settlement processing service apparatus using a mobile phone number and a password according to an embodiment of the present invention.
2 is a flowchart illustrating an operation method of a simple settlement processing service apparatus using a mobile phone number and a password according to an embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described in detail with reference to the accompanying drawings. It is to be understood that the description is not intended to limit the invention to the specific embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. Like reference numerals in the drawings are used for similar elements and, unless otherwise defined, all terms used in the specification, including technical and scientific terms, are to be construed in a manner that is familiar to those skilled in the art. It has the same meaning as commonly understood by those who have it.

1 is a diagram illustrating a structure of a simple settlement processing service apparatus using a mobile phone number and a password according to an embodiment of the present invention.

1, a simple payment processing service apparatus 110 using a mobile phone number and a password according to the present invention includes a customer information database 111, an information requesting unit 112, an information checking unit 113, (114) and a completion message transmission unit (115).

In the customer information database 111, a mobile phone number registered in advance by a plurality of customers for easy settlement, a password for simple settlement for each of the plurality of customers, and information about the payment means registered in advance by the plurality of customers correspond to each other And stored.

For example, information may be stored in the customer information database 111 as shown in Table 1 below.

Multiple customers cellphone  number For easy payment  password Information about payment methods Customer 1 Cell phone number 1 Password 1 Information about credit card 1 Customer 2 Cell phone number 2 Password 2 Information on withdrawal account number 1 Customer 3 Cell phone number 3 Password 3 Information about credit card 2 ... ... ... ...

The information requesting unit 112 receives a simple payment processing request from the client terminal 130 of the first customer 131 for the first product purchased from the contents providing server 140 by the first customer 131, The first client 131 receives the information on the amount of the first commodity from the content providing server 140 and transmits the information on the amount of the first commodity to the client terminal 130 of the first customer 131 And requests the transmission of the mobile phone number and the password for easy settlement.

When the first mobile phone number and the first simple settlement password are received from the client terminal 130 of the first customer 131, the information confirmation unit 113 displays the first mobile phone number and the first mobile phone number on the customer information database 111 Whether or not the first simple settlement passwords are stored in association with each other.

The settlement processing performing unit 114 confirms that the first mobile phone number and the first simple settlement password are stored in association with each other on the customer information database 111, The information on the first payment means stored in correspondence with the mobile phone number is confirmed and payment processing based on the information on the first payment means is performed for the amount of the first goods.

For example, when "mobile phone number 1" is received from the client terminal 130 of the first customer 131 to the first mobile phone number and "password 1" is received as the first easy payment password, Quot; 1 "and" password 1 "are stored in correspondence with each other on the customer information database 111, the payment processing performing unit 114 stores the " It is possible to confirm the "information on the credit card 1" which is the information on the first payment means, and perform the settlement processing based on the "information on the credit card 1 "

Upon completion of the settlement processing, the completion message transmitting unit 115 transmits a settlement processing completion message to the contents providing server 140 indicating that the settlement processing for the first commodity has been completed.

In this case, according to an embodiment of the present invention, the customer information database 111 stores history information on history of each of the plurality of customers using simple payment for each mobile phone number of the plurality of customers Date of using simple settlement, information on settlement amount based on simple settlement) may be additionally stored in correspondence with each other.

In this case, according to an embodiment of the present invention, the simple settlement processing service apparatus 110 using the mobile phone number and the password may further include the history information updating unit 116.

The history information updating unit 116 updates the history information on the first customer on the customer information database 111 when the settlement process based on the information on the first payment means is completed for the first customer, The first history information corresponding to the number of the first product and the information on the payment date of the first product and the payment amount of the first product are added to the first history information, .

In addition, according to an embodiment of the present invention, the simple settlement processing service apparatus 110 using the mobile phone number and the password may further include the information deletion unit 117. [

The information deleting unit 117 confirms the history information of each of the plurality of customers stored on the customer information database 111 at predetermined time intervals and uses the latest time of the simple payment based on the current time among the plurality of customers The password for simple settlement, the information about the payment means, and the history information for customers whose dates exceed a predetermined first number of days are deleted from the customer information database 111. [

For example, assuming that the predetermined period is "one month" and the first day is "300 days", the information deletion unit 117 stores the information on the customer information database 111 every "one month" A password for a simple payment, a password for a simple settlement, and the like for customers whose date of last use of the simple settlement based on the current time point among the plurality of customers exceeds "300 days & The information on the means and the history information can be deleted from the customer information database 111.

That is, the information deletion unit 117 deletes the information on the customer who has not used the simple settlement for a predetermined number of days in the customer information database 111, so that the possibility of exposing information about the unused customer for a long period of time can be fundamentally blocked.

According to an embodiment of the present invention, the payment processing performing unit 114 may include a history checking unit 118 and a payment processing completion unit 119.

The history confirming unit 118 may store the first mobile phone number and the first mobile phone number on the customer information database 111 in response to receipt of the simple settlement processing request from the client terminal 130 of the first customer 131 The first history information for the first customer 131 stored in the customer information database 111 in correspondence with the first mobile phone number is confirmed on the basis of the first history information stored in the customer information database 111, Whether or not the date when the customer 131 last used the simple settlement exceeds a predetermined second number of days (the number of days is smaller than the first number) based on the current time point.

At this time, if the settlement processing completion unit 119 determines that the date when the first customer 131 last used the simple settlement does not exceed the second day based on the current time point, The information on the first payment means stored in association with the first mobile phone number is confirmed on the basis of the information on the first payment means and the settlement processing based on the information on the first payment means is completed by the amount of the first goods.

For example, assuming that the second day is "30 days ", the history checking unit 118 checks the history information of the first customer 131 stored in association with the first mobile phone number on the customer information database 111 It is possible to confirm whether the date when the first customer 131 last used the simple settlement exceeds the "30 days" based on the current time point by checking the first history information, If it is determined that the date of the last payment has not exceeded "30 days" on the basis of the current time, the payment processing completion unit 119 is stored in the customer information database 111 in correspondence with the first mobile phone number The settlement processing based on the information on the first settlement means can be completed by checking the information on the first settlement means.

However, when it is determined that the date when the first customer 131 last used the simple settlement exceeds the second day based on the current time point, the payment processing completion unit 119 generates a random authentication number If the same authentication number as the authentication number is received from the client terminal 130 of the first customer 131 within a predetermined reference time after transmitting the text message including the authentication number to the receiving side of the first mobile phone number , Confirms information on the first payment means stored in the customer information database (111) in association with the first mobile phone number, and performs payment processing based on the information on the first payment means Can be completed.

That is, when it is confirmed that the date when the first customer 131 last used the simple settlement exceeds the "30 days" on the basis of the current time, the first customer 131 uses the simple settlement service for a predetermined period The settlement processing completion unit 119 generates a random authentication number before performing the payment process for the first product and transmits a text message including the authentication number to the first mobile phone number Side.

Then, if it is confirmed that the same authentication number as the authentication number is received from the client terminal 130 of the first client 131 within a predetermined reference time, the payment processing completion unit 119 transmits the authentication number to the first client 131 ) Is determined to be genuinely willing to perform a simple settlement and confirms information on the first payment means stored in the customer information database 111 in correspondence with the first mobile phone number, The payment processing based on the information on the first payment means can be completed by the amount of money.

According to an embodiment of the present invention, the simple settlement processing service apparatus 110 using the mobile phone number and the password may further include a hash function database 120.

The hash function database 120 stores a plurality of different hash functions corresponding to each of a plurality of different number bands that can be included in a predetermined first digit among number bands of each digit constituting the mobile phone number.

For example, assuming that the first digit is the fourth digit from the left of the 11-digit mobile number having the form of "010-xxxx-yyyy", information is stored in the hash function database 120 as shown in Table 2 below Can be.

A plurality of number bands Multiple hash functions Band 0 Hash function 1 Band 1 Hash function 2 Band 2 Hash function 3 Band 3 Hash function 4 Band 4 Hash function 5 Band 5 Hash function 6 Band 6 Hash function 7 Band 7 Hash function 8 Band 8 Hash function 9 Band 9 Hash function 10

In Table 2, "band 1" means that the fourth digit from the left begins with "1" as "010-1xxx-yyyy ".

At this time, according to an embodiment of the present invention, the customer information database 111 may store a password for a simple settlement for each of the plurality of customers encrypted with a hash value for each of the plurality of customers.

In this case, the hash value of each of the plurality of customers may be a hash function corresponding to the number band corresponding to the first number of digits in the mobile number of each of the plurality of customers among the plurality of hash functions, Means the hash value generated by inputting the data on the date when the payment was last used as input.

For example, in the mobile number of "customer 1 ", the number band corresponding to the first digit is" band 4 ", and the date when "customer 1" last used the simple payment is "May 6, 2016" The hash value for "customer 1" may be the generated hash value by inputting data for the date "20160506" to the "hash function 5 " May be stored in the customer information database 111 in encrypted form with the hash value.

At this time, the information confirmation unit 113 includes a number band verification unit 121, a hash function extraction unit 122, a date verification unit 123, a hash value calculation unit 124, an encryption unit 125, 126).

When the first mobile number and the first simple settlement password for simple settlement of the first goods are received from the client terminal 130 of the first customer 131, 1 cell number to identify the first number band corresponding to the first number of digits.

The hash function extraction unit 122 extracts a first hash function stored in the hash function database 120 in association with the first number band.

At this time, the date confirming unit 123 confirms the first history information stored in association with the first mobile phone number from the customer information database 111, and determines the date when the first customer 131 last used the simple settlement .

Then, the hash value calculator 124 calculates the first hash value by applying the data on the date when the first customer 131 last used the simple settlement as an input to the first hash function.

When the calculation of the first hash value is completed, the encryption unit 125 encrypts the first easy settlement password with the first hash value to generate the encrypted first simple settlement password.

Thereafter, the information confirmation performing unit 126 determines whether or not the encrypted simple payment password stored corresponding to the first mobile phone number on the customer information database 111 matches the encrypted first simple payment password Thereby confirming whether or not the first mobile phone number and the first simple settlement password are stored in association with each other on the customer information database 111. [

For example, assuming that the first digit is "fourth digit from the left," information is stored in the hash function database 120 as shown in Table 2, In the case where the number band of the fourth digit from the left of the number is the "third band ", the hash function extraction unit 122 extracts the first hash function Quot; hash function 4 "

At this time, the date confirming unit 123 confirms the first history information stored in association with the first mobile phone number from the customer information database 111, and determines the date when the first customer 131 last used the simple settlement . If the date when the first customer 131 last used the simple settlement is "February 3, 2017 ", the hash value calculator 124 calculates the hash value Quot; 20170203 ", which is the date when the payment was last used, as input, and calculate the first hash value.

When the operation of the first hash value is completed, the encryption unit 125 encrypts the first easy payment password received from the client terminal 130 of the first customer 131 with the first hash value And the information confirmation performing unit 126 can generate the encrypted first simple settlement password and the encrypted simple settlement password stored corresponding to the first mobile phone number on the customer information database 111 is encrypted It is confirmed that the first mobile phone number and the first simple settlement password are stored in association with each other on the customer information database 111, A simple payment process can be carried out.

At this time, according to an embodiment of the present invention, the simple settlement processing service apparatus 110 using the mobile phone number and the password may further include the password update unit 127.

When the update of the first history information is completed through the history information updating unit 116 as the settlement process for the first product is completed for the first customer 131, The first hash function is operated by inputting data on the date on which the settlement processing for the first commodity is performed as an input to calculate a second hash value, and encrypting the first easy payment password with the second hash value The encrypted simplified payment password stored corresponding to the first mobile phone number on the customer information database 111 may be replaced with the first simple payment password encrypted with the second hash value and stored.

That is, when the goods settlement process for the customer is completed, the password update unit 127 generates a new hash value based on the data about the date of completion of the payment process for the product, The simple settlement password is newly encrypted and stored in the customer information database 111 so that the simple settlement password stored in the customer information database 111 is stored as new encrypted data every time the simple settlement process for the customer is completed And it is possible to solve the security weakness that may occur as a result of exposing the customer's simple settlement password.

According to one embodiment of the present invention, the simple settlement processing service apparatus 110 using the mobile phone number and the secret number can transmit the simple settlement password (hereinafter referred to as the simple settlement password) when the first customer 131 attempts simple settlement through the client terminal 130 When the simple settlement processing is not proceeding properly, considering the number of times that the first customer 131 has attempted simple settlement, if the number of attempts of simple settlement within a predetermined time exceeds the predetermined number, If the authentication number is received from the client terminal 130 of the first customer 131 after sending the random number to the receiving side with the first mobile number of the first customer 131, And a two-channel authentication processing configuration for performing a two-channel authentication processing configuration.

In addition, according to an embodiment of the present invention, the simple settlement processing service apparatus 110 using the mobile phone number and the password can determine that the amount of the first commodity for which the first customer 131 intends to perform the simple settlement, The client terminal 130 sends the random number to the receiver 130 and transmits the random number to the client terminal 130 of the first client 131, And may further include a two-channel authentication processing configuration for performing a simple settlement process when received.

2 is a flowchart illustrating an operation method of a simple settlement processing service apparatus using a mobile phone number and a password according to an embodiment of the present invention.

In step S210, a mobile phone number registered beforehand by a plurality of customers for easy settlement, a password for a simple settlement for each of the plurality of customers, and information on a payment means registered in advance by each of the plurality of customers are associated with each other And maintains a customer information database.

In step S220, when a simple payment processing request is received from the client terminal of the first customer for the first commodity purchased from the content providing server by the first client, information on the amount of the first commodity And requests the client terminal of the first client to transfer the mobile phone number and the simple settlement password previously registered for the simple settlement by the first client.

In step S230, when the first mobile phone number and the first simple settlement password are received from the client terminal of the first customer, the first mobile phone number and the first simple settlement password correspond to each other on the customer information database And it is confirmed whether or not it is stored.

In step S240, if it is determined that the first mobile phone number and the first simple settlement password are stored in association with each other on the customer information database, the first mobile phone number is stored in association with the first mobile phone number on the customer information database And the payment processing is performed based on the information of the first payment means by the amount of the first goods.

In step S250, a payment processing completion message indicating that payment processing for the first product is completed is transmitted to the contents providing server.

In this case, according to an embodiment of the present invention, the customer information database may include history information on a history of using the simple payment for each mobile phone number of the plurality of customers, A date of using the payment, and a payment amount based on the simple payment) may be further stored in correspondence with each other.

In this case, when the settlement processing based on the information on the first payment means is completed for the first customer by the amount of the first goods, the operation method of the simple settlement processing service apparatus using the mobile phone number and the password, The first history information stored in association with the first mobile phone number on the customer information database includes information on the date on which the payment processing for the first goods was performed and the payment amount for the payment processing for the first goods And updating the first history information by adding the second history information.

According to an embodiment of the present invention, an operation method of the simple settlement processing service apparatus using the mobile phone number and the password includes a step of acquiring history information of each of the plurality of customers stored in the customer information database A password for a simple settlement, information on a payment means, and history information for customers whose date of last use of the simple settlement is more than a predetermined first day, based on the current time of the plurality of customers, And deleting it from the information database.

If it is determined in step S240 that the first mobile phone number and the first simple settlement password are stored in association with each other on the customer information database, the first mobile phone number is associated with the first mobile phone number on the customer information database The first history information is stored and the first date when the first customer uses the simple settlement is a predetermined second day number (the second day number is a day number smaller than the first day) based on the current time point If it is determined that the date when the first customer last used the simple settlement does not exceed the second number of days based on the current time point, checking the first mobile phone number on the customer information database The information of the first payment means stored corresponding to the first payment information, When the first customer has confirmed that the date of the last use of the simple settlement exceeds the second number of days based on the current time point, the settlement process based on the information on the first settlement means When receiving an authentication number identical to the authentication number from the client terminal of the first client within a predetermined reference time after transmitting the text message including the authentication number to the receiving side, Confirming information on the first payment means stored in the customer information database in correspondence with the first mobile phone number, and completing settlement processing based on the information on the first payment means by the amount of the first goods . ≪ / RTI >

According to an embodiment of the present invention, an operation method of a simple payment processing service apparatus using the cell phone number and the password may include a plurality of different pluralities of number bands And maintaining a hash function database in which a plurality of different hash functions are stored in association with each of the number bands of the number bands.

At this time, in the customer information database, a simple settlement password for each of the plurality of customers is set to a hash value for each of the plurality of customers (the hash value for each of the plurality of customers is the same as the hash value for the plurality of customers A hash value corresponding to the first number of digits in each mobile number, and a hash value generated when data on a date when each of the plurality of customers last used the simple settlement is input as input) In step S230, when the first mobile phone number and the first easy-to-settle password are received from the client terminal of the first customer, the first mobile phone number is assigned to the first mobile phone number Identifying a number band from the hash function database; Extracting a first hash function stored corresponding to the first mobile phone number, checking the first history information stored in association with the first mobile phone number from the customer information database, Calculating a first hash value by applying as input data on a date when the first customer last used the simple settlement for the first hash function, The method comprising: generating a first easy-to-pay password encrypted with a first hash value and generating an encrypted first simple settlement password; and generating, when the encrypted first simple settlement password is generated, Whether the simple settlement password matches the encrypted first simple settlement password Check by, you can on the customer information database includes performing a check on whether the first mobile phone number of the first payment for the simple password is stored in correspondence with each other.

According to an embodiment of the present invention, there is provided a method of operating a simple payment processing service apparatus using a mobile phone number and a password, the method comprising: when the update of the first history information is completed, The first hash value is encrypted with the second hash value, and then the first hash value is added to the first mobile phone number on the customer information database And storing the encrypted simple settlement password stored in association with the first simple settlement password encrypted with the second hash value.

The operation of the simple settlement processing service apparatus using the mobile phone number and the password according to the embodiment of the present invention has been described above with reference to FIG. Here, the operation method of the simple settlement processing service apparatus using the mobile phone number and the password according to the embodiment of the present invention is similar to the operation of the simple settlement processing service apparatus 110 using the mobile phone number and the password, And therefore, a detailed description thereof will be omitted.

The operation method of the simple settlement processing service apparatus using the mobile phone number and the password according to an embodiment of the present invention can be implemented by a computer program stored in a storage medium for execution through a combination with a computer.

In addition, the operation method of the simple settlement processing service apparatus using the mobile phone number and the password according to the embodiment of the present invention can be implemented in the form of a program command which can be executed through various computer means and recorded in a computer readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions recorded on the medium may be those specially designed and constructed for the present invention or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks, and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like.

As described above, the present invention has been described with reference to particular embodiments, such as specific elements, and specific embodiments and drawings. However, it should be understood that the present invention is not limited to the above- And various modifications and changes may be made thereto by those skilled in the art to which the present invention pertains.

Accordingly, the spirit of the present invention should not be construed as being limited to the embodiments described, and all of the equivalents or equivalents of the claims, as well as the following claims, belong to the scope of the present invention .

110: Simple payment processing service device using mobile phone number and password
111: customer information database 112: information requesting unit
113: information confirmation unit 114: payment processing performing unit
115: Completion message transmitting unit 116: History information updating unit
117: information deleting unit 118: history confirmation unit
119: Payment processing completion unit 120: Hash function database
121: number band verifying unit 122: hash function extracting unit
123: date confirmation unit 124: hash value calculation unit
125: Encryption unit 126: Information verification unit
127:
130:
131: First customer
140: Content providing server

Claims (12)

A simple settlement processing service device using a mobile phone number and a password,
A mobile phone number registered in advance for easy settlement by a plurality of customers, a simple settlement password for each of the plurality of customers, and information on payment means registered in advance by each of the plurality of customers are stored in association with each other, History information on a history of use of the simple settlement by each of the plurality of customers with respect to each mobile number of customers of the customer, and the history information comprises information on a settlement date of each customer using the simple settlement, A customer information database further stored in correspondence;
The history information of each of the plurality of customers stored in the customer information database is checked at predetermined time intervals, and when the date of the last use of the simple settlement based on the current time point among the plurality of customers exceeds the predetermined first day An information deletion unit for deleting, from the customer information database, a mobile phone number, a password for a simple settlement, information on a payment means,
Receiving information on the amount of the first commodity from the content providing server when a request for a simple settlement processing for the first commodity purchased by the first client from the content providing server is received from the client terminal of the first client, An information requesting unit for requesting the client terminal of the first client to transmit the mobile phone number and the password for easy settlement previously registered for the simple settlement by the first client;
When the first mobile phone number and the first simple settlement password are received from the client terminal of the first customer, whether the first mobile phone number and the first simple settlement password are stored in correspondence with each other on the customer information database An information confirmation unit for confirming the information;
When it is determined that the first mobile phone number and the first simple settlement password are stored in association with each other on the customer information database, the first payment information stored in the customer information database in association with the first mobile phone number, A payment processing performing unit for performing payment processing based on the information on the first payment means for the amount of the first goods by confirming information about the first goods;
When the settlement processing based on the information on the first payment means is completed for the first customer by the amount of the first goods, the first history stored in association with the first mobile phone number on the customer information database A history information updating unit for updating the first history information by adding information on a date on which the settlement processing for the first goods is performed with respect to information and a settlement amount according to the settlement processing on the first goods; And
A settlement message transmission unit for transmitting a settlement process completion message to the contents providing server to notify that the settlement process for the first commodity is completed,
Lt; / RTI >
The settlement processing performing unit
If it is determined that the first mobile phone number and the first simple settlement password are stored in association with each other on the customer information database, the first history stored in association with the first mobile phone number in the customer information database Confirming information and confirming whether or not the date when the first customer used the simple settlement exceeds the predetermined second day number based on the current time point and the second day number is smaller than the first day number - Verification unit; And
When the date when the first customer last used the simple settlement does not exceed the second number of days based on the current time point, A settlement processing completion unit for confirming information on the settlement means and completing settlement processing based on the information on the first settlement means by the amount of the first commodity,
/ RTI >
The settlement processing completion unit
When the first customer has confirmed that the date when the first user last used the simple settlement exceeds the second number based on the current time point, generates a random authentication number and transmits the text message including the authentication number to the first mobile phone When receiving the same authentication number as the authentication number from the client terminal of the first customer within a predetermined reference time after transmitting the number to the receiving side, And a mobile phone number and a password for confirming the information on the payment means and completing the payment processing based on the information on the first payment means for the amount of the first goods. delete delete The method according to claim 1,
A hash function database in which a plurality of different hash functions are stored in association with each other for a plurality of different number bands that can be included in a predetermined first digit among number bands of each digit constituting the mobile phone number,
Further comprising:
The customer information database
Wherein a hash value for each of the plurality of customers and a hash value for each of the plurality of customers are stored in the mobile phone number of each of the plurality of customers, A hash value corresponding to a one-digit number band is encrypted and stored as a hash value generated by inputting data on a date when each of the plurality of customers last used the simple settlement,
The information verifying unit
A number band confirmation unit for confirming a first number band corresponding to the first number of digits in the first mobile phone number when the first mobile number and the first simple settlement password are received from the client terminal of the first customer;
A hash function extraction unit for extracting a first hash function stored corresponding to the first number band from the hash function database;
A date confirmation unit for checking the first history information stored in association with the first mobile phone number from the customer information database and confirming the date when the first customer last used the simple settlement;
A hash value calculation unit for calculating a first hash value by applying data on a date when the first customer last used the simple settlement to the first hash function as an input;
An encryption unit encrypting the first easy settlement password with the first hash value to generate an encrypted first simple settlement password; And
When the encrypted first simple settlement password is generated, whether or not the encrypted simple settlement password stored corresponding to the first mobile phone number on the customer information database matches the encrypted first simple settlement password An information confirmation performing unit for checking whether the first mobile phone number and the first simple settlement password are stored in association with each other on the customer information database,
A mobile phone number, and a password. 5. The method of claim 4,
When the update of the first history information is completed, the second hash value is calculated by applying, to the first hash function, data on the date on which the payment processing for the first product is performed as input, Encrypting the encrypted simple payment password stored in association with the first mobile phone number in the customer information database with the first hash value encrypted after encrypting the password for payment with the second hash value, A password update unit
And a mobile phone number and a password which further include a mobile phone number and a password. A method of operating a simple payment processing service apparatus using a mobile phone number and a password,
A mobile phone number registered in advance for easy settlement by a plurality of customers, a simple settlement password for each of the plurality of customers, and information on payment means registered in advance by each of the plurality of customers are stored in association with each other, History information on the history of use of the simple settlement by each of the plurality of customers with respect to the mobile number of each of the customers of the customers, the history information being composed of date of each customer using the simple settlement, Further comprising the steps of: maintaining a stored customer information database;
The history information of each of the plurality of customers stored in the customer information database is checked at predetermined time intervals, and when the date of the last use of the simple settlement based on the current time point among the plurality of customers exceeds the predetermined first day Deleting, from the customer information database, a mobile phone number, a password for a simple settlement, information about a payment means, and history information for customers making a payment;
Receiving information on the amount of the first commodity from the content providing server when a request for a simple settlement processing for the first commodity purchased by the first client from the content providing server is received from the client terminal of the first client, Requesting the client terminal of the first client to transmit the mobile phone number and the password for easy settlement previously registered for the simple settlement by the first client;
When the first mobile phone number and the first simple settlement password are received from the client terminal of the first customer, whether the first mobile phone number and the first simple settlement password are stored in correspondence with each other on the customer information database ;
When it is determined that the first mobile phone number and the first simple settlement password are stored in association with each other on the customer information database, the first payment information stored in the customer information database in association with the first mobile phone number, Confirming information on the first payment means and performing payment processing based on the information on the first payment means for the amount of the first goods;
When the settlement processing based on the information on the first payment means is completed for the first customer by the amount of the first goods, the first history stored in association with the first mobile phone number on the customer information database Updating the first history information by adding information on a date on which the settlement processing for the first commodity is performed and a settlement amount according to the settlement processing on the first commodity with respect to the information; And
Transmitting a settlement processing completion message to the contents providing server to notify that the settlement processing for the first commodity has been completed
Lt; / RTI >
The step of performing the payment processing
If it is determined that the first mobile phone number and the first simple settlement password are stored in association with each other on the customer information database, the first history stored in association with the first mobile phone number in the customer information database Confirming whether or not the date when the first customer used the simple settlement exceeds a predetermined second number of days based on the current time point and the second number of days is less than the first number of days, ;
When the date when the first customer last used the simple settlement does not exceed the second number of days based on the current time point, Confirming the information on the payment means and completing the settlement processing based on the information on the first payment means for the amount of the first commodity; And
When the first customer has confirmed that the date when the first user last used the simple settlement exceeds the second number based on the current time point, generates a random authentication number and transmits the text message including the authentication number to the first mobile phone When receiving the same authentication number as the authentication number from the client terminal of the first customer within a predetermined reference time after transmitting the number to the receiving side, 1) confirming the information on the payment means and completing the settlement processing based on the information on the first payment means for the amount of the first commodity
And a method of operating the simple payment processing service apparatus using the mobile phone number and the password. delete delete The method according to claim 6,
Maintaining a hash function database in which a plurality of different hash functions are stored corresponding to a plurality of different number bands that can be included in a predetermined first digit among number bands of each digit constituting the mobile phone number
Further comprising:
The customer information database
Wherein a hash value for each of the plurality of customers and a hash value for each of the plurality of customers are stored in the mobile phone number of each of the plurality of customers, A hash value corresponding to a one-digit number band is encrypted and stored as a hash value generated by inputting data on a date when each of the plurality of customers last used the simple settlement,
Wherein the step of checking whether the first mobile phone number and the first simple settlement password are stored in association with each other on the customer information database
Confirming a first number band corresponding to the first number of digits in the first mobile number when receiving the first mobile number and the first easy payment password from the client terminal of the first customer;
Extracting a first hash function corresponding to the first number band from the hash function database;
Checking the first history information stored in association with the first mobile phone number from the customer information database to confirm the date when the first customer last used the simple settlement;
Applying a first hash function to the first customer to input data on a date when the first customer used the simple settlement as an input to calculate a first hash value;
Encrypting the first simple settlement secret number with the first hash value to generate an encrypted first simple settlement secret number; And
When the encrypted first simple settlement password is generated, whether or not the encrypted simple settlement password stored corresponding to the first mobile phone number on the customer information database matches the encrypted first simple settlement password Confirming whether or not the first mobile phone number and the first simple settlement password are stored in association with each other on the customer information database,
And a method of operating the simple payment processing service apparatus using the mobile phone number and the password. 10. The method of claim 9,
When the update of the first history information is completed, the second hash value is calculated by applying, to the first hash function, data on the date on which the payment processing for the first product is performed as input, Encrypting the encrypted simple payment password stored in association with the first mobile phone number in the customer information database with the first hash value encrypted after encrypting the password for payment with the second hash value, Replacing and storing
And a mobile phone number and a password that further include a mobile phone number and a password. A computer-readable recording medium recording a program for performing the method of any one of claims 6, 9, and 10. A computer program stored in a storage medium for executing the method of any one of claims 6, 9 or 10 through a combination with a computer.

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