KR20000006796A - Eletro-payment methods using handphone - Google Patents

Eletro-payment methods using handphone Download PDF

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Publication number
KR20000006796A
KR20000006796A KR1019990048471A KR19990048471A KR20000006796A KR 20000006796 A KR20000006796 A KR 20000006796A KR 1019990048471 A KR1019990048471 A KR 1019990048471A KR 19990048471 A KR19990048471 A KR 19990048471A KR 20000006796 A KR20000006796 A KR 20000006796A
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South Korea
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seller
mobile phone
password
mobile
company
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KR1019990048471A
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Korean (ko)
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이병훈
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이병훈
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Priority to KR1019990048471A priority Critical patent/KR20000006796A/en
Publication of KR20000006796A publication Critical patent/KR20000006796A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/16Payments settled via telecommunication systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

PURPOSE: An electronic payment method of the electronic commercial transaction system is provided to safely purchase the products as the contents on the internet using a cellular phone. CONSTITUTION: An electronic payment method comprises the steps of: setting an ID and a pass word of a user's own and of a mobile communication company and for the purchase of the internet products by a user; choosing the contents or products to purchase on the internet by a cellular phone possessor; affirming if a pass word and an ID is in the state of the normal user and providing the information about the user to a seller by the mobile communication company if a cellular phone possessor informs the number of his cellular phone or the ID previously agreed with the mobile communication company to the seller; and selling the products or the contents if the pass word input by the cellular phone possessor is agreed with the generated pass word after comparing the pass word input by the cellular phone possessor with the generated pass word by the seller.

Description

핸드폰을 이용한 전자지불 방법{Eletro-payment methods using handphone}Electronic payment method using a mobile phone {Eletro-payment methods using handphone}

인터넷상의 콘텐츠, 물건들을 핸드폰을 이용하여 안전하게 구매하기 위한 것이다.It is to securely purchase contents and goods on the Internet using a mobile phone.

현재까지 인터넷상의 수많은 전자 상거래 사이트들에서 행해지는 물품 구매 방식은To date, the purchase of goods on many e-commerce sites on the Internet

1) 소액의 경우 "이코인" 또는 "웹머니" 등의 일종의 선불카드를 이용한 방식과1) In the case of a small amount, a method using a kind of prepaid card such as "ecoin" or "web money"

2) 신용카드를 이용한 방법 ,그리고 3) 무통장 입금등이 사용되고 있다.2) using a credit card, and 3) depositing a bank account.

위와같은 방법들의 경우 문제점들이 상존하고 있는데Problems exist with these methods

1)의 경우 선불카드 실물을 제작 유통시키는데 비용이 적잖게 들고 소비자가 일일이 편의점등에서 구매해야하는 불편이 있고, 선불카드 분실시 남은 잔액을 회수 할 방법이 전혀 없다.In the case of 1), the cost of producing and distributing the prepaid card physically is inexpensive, and consumers have to purchase it at convenience stores, etc., and there is no way to recover the remaining balance when the prepaid card is lost.

2)의 경우 소비자가 자신의 카드정보를 노출시키는데 불안감이 있고,In case of 2), consumers are anxious to expose their card information,

( 이로 인해 전자 상거래가 아직은 활성화가 되지 못하고 있다)(E.g., e-commerce is not yet active)

판매자와 정보를 주고받는 과정에서In the process of exchanging information with the seller

아무리 강력한 암호화 기술을 사용한다고 하더라도 해킹 등의 위험이 있다.No matter how strong encryption technology is, there is a risk of hacking.

3)의 경우 입금하고 이를 확인하는 과정에서 시간이 많이 걸리고, 사기의 위험 등이 있다.In case of 3), it takes a lot of time to deposit and check it, and there is a risk of fraud.

이에 비해 본 발명의 방법은 휴대폰을 이용하여 인터넷상의 물품을 빠르고 안전하게 구매할 수 있게 한다.In contrast, the method of the present invention enables a fast and safe purchase of goods on the Internet using a mobile phone.

본 발명의 방법은 다음 단계들로 구성된다.The method of the present invention consists of the following steps.

제 1 실시예First embodiment

1) 사용자가 이동통신회사와 자신의 인터넷 물품 구매용 아이디와 비밀번호를 정하고,(이 단계는 원치않는 소비자는 생략 가능하다)1) The user sets a mobile phone company and his / her ID and password for the purchase of Internet items (this step can be omitted by unwanted consumers).

2) 핸드폰 소지자가 인터넷상에서 구매하고자하는 콘텐츠 또는 물품을 선택하고,2) the mobile phone holder selects the content or goods to purchase on the Internet,

3) 판매자에게 자신의 핸드폰 번호, 또는 미리 이동통신회사와 약정한 아이디를 알려주면( 웹상에서 입력하면),3) Tell the seller your mobile phone number or the ID you signed with your carrier (in advance).

4) 판매자는 이동통신회사로 구매대상 물품정보 및, 핸드폰 번호 또는 상기의 아이디를 전달하고,4) Seller delivers the purchase information and the mobile phone number or the above ID to the mobile communication company,

5) 이동통신회사는 그 번호 또는 아이디가 정상사용자 상태인지 확인하여,5) The mobile carrier checks whether the number or ID is a normal user state,

6)판매자에게 그 정보를 제공 (사용자 인증) 하고,6) provide the seller with the information (user authentication),

7) 판매자는 비밀번호(통상 1회용)를 생성하여, 입력된 것이 핸드폰 번호이면 그 번호로 비밀번호를 보내고 (문자메시지 등으로),7) The seller generates a password (usually one-time use), and if the input is a mobile phone number, the password is sent to the number (by text message, etc.),

아이디를 입력한 사용자는 판매자가 생성한 비밀번호를 이동통신회사가 받아 소비자의 핸드폰으로 전송한다.The user who inputs the ID receives the password generated by the seller and sends it to the mobile phone of the consumer.

또는 5)단계의 정상사용자 확인 후, 판매자 대신 이동통신회사가 비밀번호를 생성하여 소비자와 판매자 양측에 전달할 수도 있다.Alternatively, after confirming the normal user of step 5), the mobile carrier may generate a password and transfer it to both the consumer and the seller instead of the seller.

8) 소비자는 자신의 핸드폰으로 온 비밀번호를 직접 판매자의 사이트에서 그대로 입력 하므로써 실제 핸드폰 소유주임을 판매자에게 확인시킨다.8) The consumer confirms to the seller that he is the owner of the mobile phone by directly entering the password from his cell phone on the seller's site.

9) 판매자는 소비자가 입력한 비밀번호와 생성된 것을 비교하여, 일치하면 물품, 또는 콘텐츠를 판매한다.9) The seller compares the password entered by the consumer with the generated one and sells the item or content if it matches.

10) 구매대금은 소비자가 매월 결제하는 핸드폰요금에 합산되어 나오고, 소비자가 대금 납부 후 이동통신회사는 수납대행, 인증 수수료 등을 제외한 금액을 판매자에게 준다.10) The purchase price is added to the mobile phone bill that the customer pays monthly, and after the consumer pays the bill, the mobile carrier gives the seller an amount excluding the storage agent and the authentication fee.

상기방법으로 인터넷상에서 소액의 콘텐츠를 원할 때는 바로 구매가능하고 콘텐츠 공급자는 안전하고 효과적인 대금결제 시스템구축으로 양질의 정보를 유료로 제공할 수 있게 되어, 단순히 배너 광고 등에 의존하지 않고 안정된 수익원을 가질 수 있다.In the above method, when a small amount of content is desired on the Internet, the content can be purchased immediately, and a content provider can provide a high-quality information for a fee by constructing a secure and effective payment system, thus having a stable revenue source without resorting to banner advertisements. have.

또한 소비자는 자신이 구매에 사용할 수 있는 대금의 총액을 제한함으로써 혹시 있을지도 모르는 분실 휴대폰에 의한 사고를 예방할 수 있다.In addition, consumers can prevent accidents caused by lost mobile phones by limiting the total amount of money they can use to make purchases.

본 발명의 제 2 실시예를 살펴보면,Looking at the second embodiment of the present invention,

신용카드결제를 할 수 있게 한 것이 특징으로서As a characteristic of being able to make a credit card payment

1)핸드폰요금을 신용카드 결제하는 사용자( 즉 이동통신회사에 카드정보가 이미 노출된 사람)가 이동통신회사와 자신의 인터넷 물품 구매용 아이디와 비밀번호를 정하고,1) The user who pays the credit card for the mobile phone fee (that is, the person whose card information has already been exposed to the mobile carrier) determines the mobile phone company and his / her ID and password for the purchase of internet items,

2) 핸드폰 소지자가 인터넷상에서 구매하고자하는 콘텐츠 또는 물품을 선택하고,2) the mobile phone holder selects the content or goods to purchase on the Internet,

3) 판매자에게 자신의 핸드폰 번호 또는 미리 이동통신회사와 약정한 아이디를 알려주면( 웹상에서 입력하면),3) Tell the seller your mobile phone number or your mobile carrier's contract ID (if you enter it on the web).

4) 판매자는 이동통신회사로 구매대상 물품정보와 핸드폰 번호 또는 상기의 아이디를 전달하고,(거래 승인요청하고)4) Seller delivers purchase information and mobile phone number or ID to the mobile communication company (request transaction approval)

5) 이동통신회사는 그 번호 또는 아이디가 정상사용자 상태인지 확인하여,5) The mobile carrier checks whether the number or ID is a normal user state,

6)카드사에 그 핸드폰 번호 소유주의 신용카드거래를 승인 요청하고6) Ask the card company to approve the credit card transaction of the owner of the mobile phone number.

7) 카드사로부터 거래승인을 받으면 ,7) Once you receive the transaction approval from the card company,

8)이동통신회사는 비밀번호(통상 1회용)를 생성하여, 판매자 및 소비자에게 그 정보(승인결과)와 함께 제공한다.8) The mobile telecommunication company generates a password (usually one-time use) and provides it to the seller and the consumer with the information (authorization result).

9) 소비자는 자신의 핸드폰으로 온 비밀번호를 직접 판매자의 사이트에서 그대로 입력 하므로써 실제 핸드폰 소유주임을 판매자에게 확인시킨다.9) The consumer confirms that he is the owner of the mobile phone by directly entering the password from his mobile phone on the seller's site.

10) 판매자는 소비자가 입력한 비밀번호와 생성된 것을 비교하여, 일치하면 물품, 또는 콘텐츠를 판매한다.10) The seller compares the password entered by the consumer with the generated one and sells the item or content if it matches.

11) 판매자는 카드회사에 판매대금을 요청하고,11) The seller asks the card company for payment.

12) 카드회사는 판매대금을 지급하고 ,12) The credit card company pays the sales fee.

13) 이동통신회사는 판매자에게 수수료를 지급요청하고13) The carrier asks the seller to pay the fee.

14) 판매자는 수수료를 입금한다.14) The seller deposits the fee.

위에서 살펴보았듯이 본 발명의 방법은As we saw above, the method of the present invention

[1]구매자가 핸드폰 번호나 미리 이동통신회사와 정한 아이디말고는 자신의 정보(신용카드 포함)를 어느 판매업자에게도 노출시키지 않으므로 인터넷상의 물품 구매시 불안감을 최소화 할 수 있고,[1] Because the buyer does not expose his or her information (including credit cards) to any seller other than the mobile phone number or the ID set by the mobile carrier in advance, anxiety can be minimized when purchasing items on the Internet.

[2]구매자가 자신의 핸드폰으로 바로 전송된 비밀번호를 직접 입력하므로써 핸드폰의 현재 소유자가 구매자인 것을 쉽게 확인시킬 수있고,[2] Buyers can easily verify that the current owner of the phone is the buyer by directly entering the password sent directly to their phone.

[3]분실된 핸드폰의 경우 분실 휴대폰임을 확인 즉시 (실제 소유자의 전화연락 등) 지불정지를 하므로서 피해를 최소화 할 수있다.[3] In the case of lost cell phones, damage can be minimized by immediately stopping payments (such as the phone owner's phone call).

또한 특이한 사항 (카드주소지와는 다른 배송주소, 고액거래 등)이 발생시,In addition, if something unusual occurs (such as a delivery address that is different from the address of the card, a high value transaction, etc.),

제 1 실시예의 6)단계, 제 2 실시예의 8)단계 전에서Before step 6) of the first embodiment and step 8) of the second embodiment

이동통신회사는 핸드폰의 소유주의 정보( 미리 정한 인터넷 대금결제용 비밀번호)를 현재 핸드폰 점유자에게 요구(자사의 ARS시스템으로 전화를 걸어 입력하도록 하는 등의 방법으로 소유자확인 가능하다)하고, 일치하면 다음단계로 넘어간다. 그럼으로써 만약에 있을지 모르는 사고를 미리 예방할 수 있게 된다.The mobile carrier requests the owner of the mobile phone (predetermined password for internet payment) from the current mobile phone occupant (which can be verified by calling the user's ARS system and entering it). Go to step This will help you to prevent any accidents that may have occurred.

[4]그리고 기존의 소액의 컨텐츠 구매방법과 비교해서 선불 카드 같은 실물의 제작 유통 비용이 들지 않으므로 보다 저렴하게 컨텐츠 가격을 산정 할수 있고,[4] And compared to the existing method of purchasing a small amount of content, the cost of producing and distributing a physical item such as a prepaid card can be calculated more cheaply.

[5]생성된 비밀번호도 1회용 암호 등을 사용하여 (소액의 경우 그 판매 사이트내에서 당일 그 사이트 접속 종료시까지 등으로 여러 가지 제한가능) 핸드폰 분실시 피해를 최소화할 수 있게 된다.[5] The generated password can be minimized by using a one-time password (for a small amount, various restrictions can be made in the sales site until the end of the day's access to the site).

[6]판매자의 입장에서는 대기업인 이동통신회사가 인증업무를 담당하므로서 대금결제를 안전하게 보장받을 수 있고,[6] On the seller's side, the mobile operator, a large company, is in charge of the certification process, ensuring payment securely.

불안감 때문에 소규모 상거래 사이트에서는 신용카드를 쓰기를 꺼리는 소비자도 이동통신회사를 믿고 카드결제를 함으로써, 비교적 소규모의 업자도 신용카드로 대금결제가 활성화될 것이다.Because of the anxiety, consumers who are reluctant to use a credit card on a small commerce site trust the mobile communication company to pay by credit card.

Claims (3)

1) 사용자가 이동통신회사와 자신의 인터넷 물품 구매용 아이디와 비밀번호를 정하고,(이 단계는 원치 않는 소비자는 생략 가능)1) The user sets up a mobile phone company and his / her ID and password for the purchase of internet goods (this step can be omitted by unwanted consumers).
2) 핸드폰 소지자가 인터넷상에서 구매하고자하는 콘텐츠 또는 물품을 선택하고,2) the mobile phone holder selects the content or goods to purchase on the Internet,
3) 판매자에게 자신의 핸드폰 번호, 또는 미리 이동통신회사와 약정한 아이디를 알려주면( 웹상에서 입력하면),3) Tell the seller your mobile phone number or the ID you signed with your carrier (in advance).
4) 판매자는 이동통신회사로 구매대상 물품정보 및, 핸드폰 번호 또는 상기의 아이디를 전달하고,4) Seller delivers the purchase information and the mobile phone number or the above ID to the mobile communication company,
5) 이동통신회사는 그 번호 또는 아이디가 정상사용자 상태인지 확인하여,5) The mobile carrier checks whether the number or ID is a normal user state,
6)판매자에게 그 정보를 제공 (사용자 인증) 하고,6) provide the seller with the information (user authentication),
7) 판매자는 비밀번호(통상 1회용)를 생성하여, 입력된 것이 핸드폰 번호이면 그 번호로 비밀번호를 보내고 (문자메시지 등으로),7) The seller generates a password (usually one-time use), and if the input is a mobile phone number, the password is sent to the number (by text message, etc.),
아이디를 입력한 사용자는 판매자가 생성한 비밀번호를 이동통신회사가 받아 소비자의 핸드폰으로 전송하고,.The user who inputs the ID receives the password generated by the seller and sends it to the mobile phone of the consumer.
8) 소비자는 자신의 핸드폰으로 온 비밀번호를 직접 판매자의 사이트에서 그대로 입력 하므로써 실제 핸드폰 소유주임을 판매자에게 확인시키고,8) The consumer confirms that he is the owner of the mobile phone by directly inputting the password from his mobile phone on the seller's site.
9) 판매자는 소비자가 입력한 비밀번호와 생성된 것을 비교하여, 일치하면 물품, 또는 콘텐츠를 판매하고,9) The seller compares the password entered by the consumer with the generated one, and if it matches, sells the item or content,
10) 구매대금은 소비자가 매월 결제하는 핸드폰요금에 합산되어 나오고, 소비자가 대금 납부 후 이동통신회사는 수납대행, 인증 수수료 등을 제외한 금액을 판매자에게 주는 단계로 이루어진 전자 지불 방법10) The purchase price is added to the mobile phone bill that the customer pays monthly, and after the payment is made by the consumer, the mobile telecommunications company gives the seller an amount excluding the storage agent and the authentication fee.
제1항에 있어서,The method of claim 1,
상기 5)단계의 정상사용자 확인 후, 판매자 대신 이동통신회사가 비밀번호를 생성하여 소비자와 판매자 양측에 전달하는 것을 특징으로 하는 전자지불방법.After the normal user check in step 5), the mobile payment company instead of the seller generates a password and delivers to both the consumer and the seller.
1)핸드폰요금을 신용카드 결제하는 사용자( 즉 이동통신회사에 카드정보가 이미 노출된 사람)가 이동통신회사와 자신의 인터넷 물품 구매용 아이디와 비밀번호를 정하고,1) The user who pays the credit card for the mobile phone fee (that is, the person whose card information has already been exposed to the mobile carrier) determines the mobile phone company and his / her ID and password for the purchase of internet items,
2) 핸드폰 소지자가 인터넷상에서 구매하고자하는 콘텐츠 또는 물품을 선택하고,2) the mobile phone holder selects the content or goods to purchase on the Internet,
3) 판매자에게 자신의 핸드폰 번호 또는 미리 이동통신회사와 약정한 아이디를 알려주면( 웹상에서 입력하면),3) Tell the seller your mobile phone number or your mobile carrier's contract ID (if you enter it on the web).
4) 판매자는 이동통신회사로 구매대상 물품정보와 핸드폰 번호 또는 상기의 아이디를 전달하고,(거래 승인요청하고)4) Seller delivers purchase information and mobile phone number or ID to the mobile communication company (request transaction approval)
5) 이동통신회사는 그 번호 또는 아이디가 정상사용자 상태인지 확인하여,5) The mobile carrier checks whether the number or ID is a normal user state,
6)카드사에 그 핸드폰 번호 소유주의 신용카드거래를 승인 요청하고6) Ask the card company to approve the credit card transaction of the owner of the mobile phone number.
7) 카드사로부터 거래승인을 받으면 ,7) Once you receive the transaction approval from the card company,
8)이동통신회사는 비밀번호(통상 1회용)를 생성하여, 판매자 및 소비자에게 그 정보(승인결과)와 함께 제공하고,8) The mobile telecommunication company generates a password (usually one-time use) and provides it to the seller and the consumer with the information (approval result),
9) 소비자는 자신의 핸드폰으로 온 비밀번호를 직접 판매자의 사이트에서 그대로 입력 하므로써 실제 핸드폰 소유주임을 판매자에게 확인시키고,9) The consumer confirms that he is the owner of the mobile phone by directly inputting the password from his mobile phone on the seller's site.
10) 판매자는 소비자가 입력한 비밀번호와 생성된 것을 비교하여, 일치하면 물품, 또는 콘텐츠를 판매하고,10) Seller compares the password entered by the consumer with the generated one, and if it matches, sells the item or content,
11) 판매자는 카드회사에 판매대금을 요청하고,11) The seller asks the card company for payment.
12) 카드희사는 판매대금을 지급하고 ,12) The card fare pays the sale price,
13) 이동통신회사는 판매자에게 수수료를 지급요청하고13) The carrier asks the seller to pay the fee.
14) 판매자는 수수료를 입금하는 단계로 이루어진 전자지불 방법.14) An electronic payment method in which a seller deposits a fee.
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KR100684609B1 (en) * 1999-12-16 2007-02-20 이서원 Method paying small money by using of internet electronic commerce system
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KR20020008619A (en) * 2000-07-24 2002-01-31 백광현 Credit evaluation and settlement system of electronic commercial transaction
KR20020010165A (en) * 2000-07-27 2002-02-04 오상균 Method of controlling an access to a computer system and transmitting a certificate, using One Time Password
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WO2002046995A1 (en) * 2000-12-06 2002-06-13 Kim Min Suh Electronic financial transaction system and method providing real-time authentication service through wire/wireless communication network
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