KR20000037355A - Method for approving electronic commerce using the short message service and system therefor - Google Patents

Abstract

PURPOSE: A method and a system for approving electronic settlement are provided to approve trading for goods by inquiring a subscriber database through mutual connection with a mobile telecommunication company in a settlement approval server when the subscriber purchases the goods in an electronic shopping mall. CONSTITUTION: A subscriber, connected to an electronic shopping mall, orders goods for purchasing(S110). A settlement approval server identifies whether the subscriber is a subscriber who finished member registration(S120). If the subscriber has not registered, he inputs his terminal number, password and resident registration number to register(S140). The settlement approval server requests subscriber information to a mobile telecommunication company(S150). The mobile telecommunication company extracts subscriber information from a subscriber database, so as to transmit to the settlement approval server(S160). The settlement approval server judges the limits of settlement for the subscriber, based on received subscriber information(S170). If the settlement approval server judges that the subscriber is conformable to clear the price for the goods, the settlement approval server transmits an approval value to the mobile telecommunication company(S190).

Description

Method for approving electronic commerce using the short message service and system therefor}

The present invention uses the mobile communication terminal to approve the identity of the user, check the credit of the mobile subscriber through the interconnection with the mobile communication provider, and configure the system so that a transaction in cyber can be formed by personal credit e-commerce market It is to establish a new economic paradigm that can activate personal approval and individual credit evaluation.

The present invention relates to a method for approving electronic payment in electronic commerce. Specifically, when a mobile communication subscriber attempts to purchase a product in an electronic shopping mall, the subscriber is secured through an interconnection with a mobile communication provider in a payment approval server. The present invention relates to an electronic payment approval method and a system using a short message service for querying a subscriber database of a product and approving a transaction for the product.

Electronic commerce is a transaction of goods or services, in whole or in part, by electronic methods such as electronic document exchange. A customer connects to a virtual store ("electronic shopping mall") using a terminal connected to the Internet, such as a computer, to make a purchase. When they find the product they want, they will send a purchase intention to the electronic shopping mall and make a payment using a credit card, prepaid card or online remittance.

However, in the conventional e-commerce payment method, there is anxiety that the card information is exposed by directly entering a number when using a credit card, and when using a prepaid card, a card must be purchased in advance and the remaining amount is found when lost. In case of online remittance, it is inconvenient to make a deposit to the account of the electronic shopping mall by directly visiting a bank or using telebanking after delivering a purchase intention for the product. Above all, there is a disadvantage in that electronic commerce using the electronic shopping mall is not activated in that it is a prepaid payment without obtaining a product.

The technical problem to be achieved by the present invention is that when a mobile communication subscriber purchases a product in an electronic shopping mall through a communication network, the mobile communication subscriber through a real-time interconnection with the mobile communication service provider at the payment approval server using the mobile communication terminal number received from the subscriber. Check the identity of the terminal to verify its identity, generate a product purchase approval value according to the subscriber's credit information, and allow the mobile service provider to use the short message service (SMS) to the subscriber terminal After the transmission, the subscriber's approval method entered in the electronic shopping mall and whether the same as the approval value sent to the mobile communication provider, the electronic payment approval method using a short message service to approve payment for the product purchase in the electronic shopping mall And to provide the system.

1 is a view schematically showing the configuration of an electronic payment approval system using a short message service according to an embodiment of the present invention;

2 is a flowchart illustrating a method for approving an electronic payment using a short message service according to an embodiment of the present invention;

3a and 3b is a flow chart showing a payment process after payment approval electronic payment shown in FIG.

Figure 4 is a block diagram showing the approval process in the electronic payment approval system shown in FIG.

In order to achieve the above object, the electronic payment approval method using the short message service according to the present invention includes a) a payment approval server, along with a purchase order for a product from a mobile communication subscriber connected to a shopping mall through a communication network, with the subscriber's terminal number Receiving a password for confirmation; b) requesting, by the payment approval server, subscriber information for the terminal number to a mobile communication provider; c) extracting, by the mobile communication provider, subscriber information about the terminal number stored in the subscriber database and transmitting the subscriber information to the payment approval server; d) the payment approval server evaluating the credit rating of the received subscriber information to generate an approval value, and transmitting the approval value to the mobile communication provider; e) the mobile telecommunication operator converting the approval value into a short message and transmitting the short message to the subscriber station; And f) receiving an approval value received from the terminal from the subscriber through an electronic shopping mall, and comparing the input approval value with the approval value transmitted to the mobile communication provider, and confirming the approval if the approval values are the same. Determining and transmitting the approval result to the electronic shopping mall; It includes.

In order to achieve the above object, the electronic payment approval system using the short message service according to the present invention includes a mobile communication subscriber subscribing to a mobile communication terminal; An electronic shopping mall having a merchandise database storing information on merchandise to be sold to the mobile subscriber connected through a communication network and a sales database storing sales information; A mobile communication provider having a subscriber database storing terminal identification numbers and contents of the mobile communication subscribers; A payment approval server including a processor configured to receive the subscriber information from the mobile communication service provider and generate an approval value for payment approval for the product to be purchased by the mobile communication subscriber through the electronic shopping mall; Means for transmitting the approval value generated by the payment approval server to the mobile communication provider to transmit the approval value in a short message to the terminal of the mobile communication subscriber; And the payment approval server receives the approval value received from the subscriber through the electronic shopping mall from the subscriber, compares the input approval value with the approval value sent to the mobile communication provider, and if the approval values are the same, the approval is approved. Means for transmitting the result to an electronic mall; It includes.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the present invention.

1 is a view schematically showing the configuration of an electronic payment approval system using a short message service according to an embodiment of the present invention.

Referring to Figure 1, the electronic payment approval system using a short message service according to the present invention is a mobile communication subscriber computer 10 and subscriber terminal 12, the electronic shopping mall 20 connected through a communication network 50, payment approval It comprises a server 30 and the mobile communication provider 40.

The mobile communication subscriber owns the terminal 12 and uses the subscriber computer 10 to access the electronic shopping mall 20 to purchase goods. The subscriber computer 10 is an input device that executes an application program such as a web browser and the like, is connected to the electronic shopping mall 20 through a communication network 50, and makes a purchase order for a product. The desktop computer, a laptop computer, a pop-top computer, It may be a personal digital assistant (PDA).

The electronic shopping mall 20 has a merchandise database (DB) 22 storing merchandise to be sold and a merchandise database (DB) 23 storing sales information on merchandise purchased by a mobile communication subscriber. In order to pay for the product to be purchased by the mobile communication subscriber, the payment approval server 30 requests payment approval.

The payment approval server 30 includes a processor 31, a member database 32, and a payment database 33 for approval of payment for a purchase order of a subscriber input through the electronic shopping mall 20. Doing. The payment approval server 30 requests and receives subscriber information about the subscriber from the mobile communication provider 40, and determines the approval of the purchase of the product based on the subscriber information. According to the approved result, the mobile communication provider 40 transmits the approval value to the terminal 12 of the mobile communication subscriber using a short message service (SMS).

The mobile communication service provider 40 has a subscriber database 42 storing information such as a terminal number and storage details for a subscriber, and transmits subscriber information to the subscriber data at the request of the payment approval server 30. Extracted from the base 42 and transmitted to the payment approval server 30, and transmits the approval value sent from the payment approval server 30 to the subscriber terminal 12 through the wireless communication network 52 using a short message service. do.

The electronic shopping mall 20 receives the approval value received from the mobile communication terminal 12 from the subscriber and transmits it to the payment approval server 30.

The payment approval server 30 compares the approval value transmitted from the electronic shopping mall 20 with the approval value transmitted to the mobile communication service provider 40, and if it matches, the approval result is sent to the electronic shopping mall 20 and the mobile communication service provider. The data is sent to 40 and stored in the payment database 33. Meanwhile, if the approval values do not match, the payment approval server 30 notifies the electronic shopping mall 20 and the mobile communication service provider 40 that the approval is denied so that the purchase of the product of the subscriber is not approved. As such, the approval of the purchase order is determined and the electronic shopping mall 20 delivers the goods ordered by the subscriber to the subscriber, and stores the sold information in the sales database 23.

In the present invention, the communication network 50 refers to the Internet that connects the world using the Transmission Control Protocol / Internet Protocol (TCP / IP) protocol, and the wireless communication network 52 refers to code division multiple access (CDMA). Voice and data transfer to portable wireless phones such as hand held phones, cellular phones, mobile phones, etc., which employ TDMA (time division multiple access) and IMT2000. It refers to a network.

As described above, the payment approval server 30 approves the payment of the product ordered by the mobile communication subscriber using the subscriber information provided by the mobile communication service provider 40, so that the subscriber separately receives a credit card, an online remittance, and the like. It is possible to easily purchase a product by not using an unnecessary payment method, and the electronic shopping mall 20 can reduce the inconvenience of receiving a payment by receiving a payment for a product buyer, thereby enabling electronic commerce.

Hereinafter, an electronic payment approval method using a short message service according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

2 is a flowchart illustrating an electronic payment approval method using a short message service according to an embodiment of the present invention, Figure 4 is a block diagram showing the approval process in the electronic payment approval system according to the present invention.

2 and 4, in the electronic payment approval procedure according to the present invention, the mobile communication subscriber accesses the electronic shopping mall 20 through the communication network 50 to make a purchase order for the product (S110).

When the subscriber places a purchase order, the payment page (not shown) is moved to proceed with the payment. Here, the subscriber may select whether to pay with a credit card or pay with a mobile terminal.

Next, when the subscriber selects the payment method using the mobile communication terminal, a screen provided by the payment approval server 30 is provided, and the subscriber determines whether the subscriber has already registered a member (S120).

If the subscriber is not registered, the subscriber registers by inputting a terminal number, password and social security number necessary for membership registration (S130). Here, the member registration may be a method of registering using a computer 10 connected to the communication network 50 and a method of registering using an ARS (auto response service) through a telephone network.

As described above, the payment approval server 30 is entered by the subscriber through the electronic shopping mall 20 for the goods ordered to the electronic shopping mall 20 in the state where the subscriber has registered the subscriber in the payment approval server 30. The terminal number and password are input and information about the purchase price and the merchant number is also received (S140).

The payment approval server 30 requests the mobile communication provider 40 for subscriber information about the subscriber input through the shopping mall server 20 (S150).

The mobile communication provider 40 extracts the requested subscriber information from the subscriber database 42 and transmits it to the payment approval server 30 (S160). The subscriber information includes a terminal number and a storage history of the subscriber.

The payment approval server 30 determines the payment limit of the subscriber based on the received subscriber information (S170). Here, the payment approval server 30 evaluates the credit rating of the subscriber according to the provided member database 32, and if it is determined that the subscriber is inadequate to pay for the product purchase, the electronic shopping mall 20 In step S180, the payment approval is rejected.

On the other hand, if the payment approval server 30 is determined that the subscriber is suitable to pay for the purchase order in the electronic shopping mall 20 according to the credit rating of the subscriber of the processor 31 that is provided on its own Generate and store the approval value using the algorithm, and transmits to the mobile communication provider (40) (S190).

The mobile communication provider 40 transmits the approval value received from the payment approval server 30 to the mobile communication terminal 12 using a short message service (SMS) (S200). In this case, it is preferable that the transmission path use a wireless communication network 52.

The subscriber inputs the approval value received at the terminal 12 into the payment page provided by the electronic shopping mall 20 through the computer 10 (S210). The electronic shopping mall 20 transmits the approval value input by the subscriber to the payment approval server 30 (S220).

The payment approval server 30 compares the approval value transmitted from the electronic shopping mall 20 with the approval value transmitted to the mobile communication provider (S230). If the approval values do not match, the payment approval is transmitted to the electronic shopping mall 20 (S180).

On the other hand, when the approval values match, the payment approval server 30 notifies the electronic shopping mall 20 and the mobile communication service provider 40 of the approval result and approves the payment (S240). Here, the approval result is stored in the payment database 33 provided in the payment approval server 30, and also stored in the subscriber database 42 of the mobile communication provider 40. In this way, the subscriber stores information on the product purchase, respectively, which the mobile communication provider 40 to be described later receives the payment and remits the payment to the electronic shopping mall 20, and receives the approval fee to the payment approval server 30. This is because it is necessary for comparison when sending money.

The electronic shopping mall 20 stores the approval result in the sales database 23 and delivers the approved product to the subscriber (S250).

Next, the process of paying the payment for the product purchased by the subscriber will be described with reference to FIGS. 3A and 3B.

3A is a flowchart illustrating a process of receiving a payment price from a subscriber according to the first embodiment of the present invention. Referring to FIG. 4, the mobile communication provider 40 charges and receives the payment price from the subscriber. (S310). Here, the mobile communication provider 40 bills the subscriber on a regular date, for example, once a month, by adding the payment amount to the mobile communication terminal fee.

The mobile communication service provider 40 remits the amount excluding the receiving agency fee from the received payment to the payment approval server 30 (S320). In addition, the payment approval server 30 calculates some of the payments received from the mobile communication provider 40 as an approval fee, and transfers the remaining payments excluding the amount to the electronic shopping mall 20 (S330).

As described above, the payment approval server 30, which has already registered the member, approves the payment for the goods purchased by the mobile communication subscriber connected to the electronic shopping mall 20 through the communication network 50, and the subscriber receives the credit card. Or, you can purchase the product without going through a separate payment means through online remittance, etc., the electronic shopping mall 20 can reduce the inconvenience caused by payment and storage for the sold product.

On the other hand, Figure 3b is a flow chart showing a process of receiving a payment from the subscriber according to the second embodiment of the present invention, as shown in the dotted line in Figure 4 the payment approval server 30 is the electronic shopping mall 20 By billing to the subscriber the payment for the purchase goods delivered to the subscriber by the (S350).

The payment approval server 30 transfers a part of the received payment amount to the mobile communication service provider 40 to receive the information fee and the short message service (SMS) fee (S360). In addition, the payment approval server 30 further transfers the payment amount excluding the approval fee to the electronic shopping mall 20 (S370).

As described above, since there is a payment approval server 30 that approves the payment for the purchase of goods from the mobile communication subscriber in the e-commerce and acts as a storage, the electronic shopping mall 20 can increase the product sales, The mobile communication service provider 40 may generate revenue through a short message service (SMS) whenever a payment approval for the sale of the product is required.

According to the present invention, by approving the electronic payment using a short message service through a mobile communication terminal has the following effects.

First, a mobile subscriber purchases an order for a product in an electronic shopping mall using a mobile terminal number and a password, and the payment approval server approves payment based on the subscriber's terminal information. By paying for, the anxiety of exposing credit information can be minimized.

Second, the e-shopping mall can be expected to increase sales by facilitating e-commerce by making payments for goods sold by mobile subscribers as buyers. You will be able to receive payments without entering.

Thirdly, the mobile operator transmits the approval value to the subscriber's terminal whenever the mobile subscriber makes an e-commerce transaction in the electronic shopping mall, thereby increasing revenues by receiving a short message service (SMS) fee and a storage agent fee. Become effective.

Fourth, the payment approval server acts as a payment approval for the sale of goods from the electronic shopping mall and obtains the approval fee income, provides the mobile communication service provider with the short message service fee and the storage agency fee, and purchases the mobile communication subscribers. By paying a postpaid payment, it helps to make it easier to purchase products.

Claims (11)

a) the payment approval server receiving a purchase order for the product from the mobile communication subscriber accessing the shopping mall through the communication network and inputting the terminal number of the subscriber and a password for identity verification; b) requesting, by the payment approval server, subscriber information for the terminal number to a mobile communication provider; c) extracting, by the mobile communication provider, subscriber information about the terminal number stored in the subscriber database and transmitting the subscriber information to the payment approval server; d) the payment approval server evaluating the credit rating of the received subscriber information to generate an approval value, and transmitting the approval value to the mobile communication provider; e) the mobile telecommunication operator converting the approval value into a short message and transmitting the short message to the subscriber station; And f) receiving the approval value received at the terminal from the subscriber through the electronic shopping mall, and comparing the input approval value with the approval value transmitted to the mobile communication provider, and determining the approval if the approval values are the same. Transmitting the approval result to the electronic shopping mall; Electronic payment approval method using a short message service comprising a. The method of claim 1, wherein step a) The payment approval server may further include registering a password by accessing the payment approval server through a communication network when the mobile communication subscriber is the first mobile communication subscriber who has not generated a password. Electronic payment approval method using. The method of claim 1, wherein step a) The payment approval server further comprises the step of registering a password by accessing the payment approval server through the ARS when the mobile communication subscriber is the first mobile communication subscriber who has not generated a password. Electronic payment approval method using. The method of claim 1, In order to prevent theft of another person when the mobile communication subscriber is the first purchase order in the electronic shopping mall, the payment approval server receives the subscriber's social security number additionally and compares it with the social security number in the subscriber database of the mobile communication service provider. Electronic payment approval method using a short message service characterized in that. The method of claim 1, wherein after step f) g) storing the approval result, and transmitting the result to the mobile communication provider; h) the electronic shopping mall receiving the approval result and delivering the payment approved product to a subscriber; And i) receiving, by the mobile operator, an amount obtained by adding up a fee for a subscriber's purchase product to a subscriber's terminal fee from the subscriber, and remitting an amount excluding the storage fee from the settlement amount to a payment approval server; Electronic payment approval method using a short message service comprising a. The method of claim 5, wherein after step (i) The payment approval server is an electronic payment approval method using a short message service, characterized in that for remitting the amount of money received from the mobile communication operator except the approval fee to the electronic shopping mall. The method of claim 1, wherein after step f) g) storing the approval result at the payment approval server; h) the electronic shopping mall receiving the approval result and delivering the payment approved product to a subscriber; And i) the payment approval server receives a payment amount for the purchase product of the subscriber from the subscriber, and transfers the amount excluding the receiving agency fee and the approval fee to the electronic shopping mall; Electronic payment approval method using a short message service comprising a. The method of claim 7, wherein step (i) The payment approval server is an electronic payment approval method using a short message service, characterized in that for transmitting a portion of the payment amount for the purchase goods received from the subscriber to the mobile communication provider as a short message service fee. A mobile communication subscriber subscribing to a mobile communication terminal; An electronic shopping mall having a merchandise database storing information on merchandise to be sold to the mobile subscriber connected through a communication network and a sales database storing sales information; A mobile communication provider having a subscriber database storing terminal identification numbers and contents of the mobile communication subscribers; A payment approval server having a processor for receiving approval information from the mobile communication service provider and generating an approval value for payment approval for a product to be purchased by the mobile communication subscriber through the electronic shopping mall; Means for transmitting the approval value generated by the payment approval server to the mobile communication provider to transmit the approval value in a short message to the terminal of the mobile communication subscriber; And The payment approval server receives the approval value received from the subscriber through the electronic shopping mall from the subscriber, compares the input approval value with the approval value transmitted to the mobile communication provider, and if the approval values are the same, the approval result. Means for transmitting the electronic shopping mall; Electronic payment approval system using a short message service comprising a. The method of claim 9, The electronic shopping mall receives the approval result from the payment approval server means for delivering the payment approved product to the subscriber; Means for notifying the mobile communication provider of the approval result by the payment approval server; A means for the mobile telecommunications provider to receive an amount of money from the subscriber, the sum of the payment for the purchase product of the subscriber and the fee for use of the subscriber terminal, and to transfer the amount excluding the storage fee from the payment amount to the payment approval server; And Means for remitting, by the payment approval server, an amount excluding the approval fee from the payment received from the mobile communication provider to the electronic shopping mall; Electronic payment approval system using a short message service comprising a. The method of claim 9, Means for the electronic shopping mall to receive an approval result from the payment approval server and deliver the payment approved product to a subscriber; Means for the payment approval server to receive a payment amount for the purchased product from a subscriber, calculate a part of the payment amount as a short message service fee, and remit it to the mobile communication provider; And Means for remitting, by the payment approval server, a portion of the payment amount to an electronic shopping mall excluding a storage agent fee and an approval fee; Electronic payment approval system using a short message service comprising a.