KR20000063770A - Settlement Method and System on Wireless Internet Credit Card Authorization terminal - Google Patents

Abstract

PURPOSE: A settlement system and method using a terminal for approving a wireless internet card are provided to perform the approval of the wireless internet card and an electronic commerce in a mobile and portable manner, by allowing a card user to use the terminal with a browser, and to obtain a card transaction approval via the wireless internet that supports a wireless application protocol(WAP) and a mobile explore(ME). CONSTITUTION: An internet approval terminal(410) is connected to various web servers to supply useful information. A system(412) allocates a data call channel via a wireless digital signal, and outputs the card information recognized by the terminal(410) via the allocated data call channel. A wireless internet communication network(411) connected to the system(412) includes a basic station controller, a mobile switching center, and an inter-working function as a wireless internet modem. A WAP gateway(420) converts a web document to a web page, and transfers it to a web server(430). The web server(430) manages the information of the card user and a member shop. A card approval server(431) is connected to a card settlement system(440).

Description

Settlement Method and System on Wireless Internet Credit Card Authorization terminal

The present invention provides an electronic transaction system in which a card holder uses a wireless Internet card approval terminal equipped with an operating system and a browser, and receives a card transaction approval through a wireless mobile communication network using a wireless Internet method that supports a WAP or ME protocol. It relates to an electronic transaction method using the system.

The card holder of the wireless internet card approval terminal equipped with the operating system and the browser transmits the card holder's unique number and authorization information to the wireless communication network using the wireless internet communication protocol (WAP method or ME method). The system places the WAP Gateway after the IWF in the existing communication network to follow the standard protocol of the wireless WAP by passing the standard communication protocol between the wireless Internet card approval terminal and the web server. . In addition, in the ME type card approval system, the WAP Gateway is omitted and the communication protocol for transmitting and receiving in the wireless communication network is transmitted and received from the wireless internet card approval terminal, not the WSP / WTP, to the web server via HTTP to receive the card approval. It was.

The present invention is an electronic transaction card approval system using wireless Internet, and is a system developed to satisfy customers with an additional service that provides various contents to the electronic transaction card approval system through a combination of the existing wireless data communication and the Internet. .

Currently, there are two ways to provide Internet services in wireless networks: the WAP method of the WAP Forum in Europe and the ME method of Microsoft. First, the WAP method was described.Unwired (PHONE.COM) developed the Handheld Device Transe Protocol (HDTP) and the Handheld Device Markup Language (HDML), and developed the Tagged Text Mark-up Language (TTML) in NoKia. . In addition, Ericsson developed the Intelligent Terminal Transper Protocol (ITTP), and each company developed its own technology, which caused incompatibility problems. In June 1997, four companies, Ericsson, Motorola, NoKia, and Unwired planet, formed a common protocol to form the Wireless Application Protocol (WAP) forum. Many countries have joined the WAP forum. WAP is an open global specification that enables easy accessibility, cross-distribution of information, and instant service. The WAP uses a wireless application protocol to embed a wireless modem module for data communication into a wireless internet card approval terminal. In addition, it can be utilized for a method of wirelessly realizing financial settlement by connecting it to a mobile communication network and establishing a call to a financial system.

Compared with the prior art patent application technology and the present invention, the first "wireless network electronic transaction system using a wireless communication terminal and electronic transaction method using the system (application number: 10-1997- 0072037)" is a wireless communication network Compared to the present invention in the card payment portion to be used, this prior art is a transaction using only a wireless communication terminal without using a credit card checker, compared with the present invention, without using a credit card checker, the card number And the expiration date, product number, password, etc. must be entered by hand, so it is inconvenient to use, and in case of emergency, the illegal use of others can not be prevented. In addition, web service cannot be used because WAP / ME / TCP-IP protocol is not used, and there is no operating system and browser built in the card approval query, so it can find differentiation that cannot be linked with the web. In addition, since the communication contents, the order, and the like with the server must be stored as a program in the card approval inquiry machine, it is very difficult to change the communication contents and add or delete services.

Second, the "financial payment method using a mobile communication network and a system for performing the same (application number: 10-1999-0020944)" is compared with the present invention in the card approval part through a wireless communication network using a wireless terminal, Conventional technology is a method of connecting a credit card checker and a mobile communication terminal to send and receive predetermined packet data. The credit card checker and the mobile communication terminal are separated from each other. The difference from the present invention is that the credit card VAN system is not configured as a web server using a wireless Internet protocol supporting the WAP method or the ME method. In addition, since the credit card inquiry and the portable communication terminal are separated, it is inconvenient to move and carry, and there is an inconvenience that a user must make a phone call by inputting a phone number into the mobile communication terminal every time. In addition, it is not easy to expand and change contents by using a dedicated program without a built-in operating system and a browser, and cannot use other services using wireless mobile communication. In addition, the input and output function of the credit card query machine is limited to text only, and has a problem in that various additional services cannot be provided because menus and functions are embedded in the credit card inquiry machine.

Third, "Internet information providing method of a portable information terminal for reducing communication time in a wired / wireless combined network (application number: 10-1999-0042832)" is compared with the present invention the part that provides Internet service through a wireless communication network This prior art uses a service agent server and an application server to pass through a service agent server and an application server to use the service on the web in a manner that uses a service on the web, so that services not connected to such a server cannot be used. There is a problem. In addition, there is a compatibility problem that cannot be used with other servers by using a unique protocol when communicating with a portable information terminal and each server, and delays in overall work time due to frequent communication lines ON and OFF, and uncertainty of receiving a result. And the like. On the other hand, the present invention is directly connected to a service on the web using a WAP method or a ME method of the wireless Internet protocol, there is no restriction on the service, the compatibility is high, and once a communication connection is made, a stable connection is maintained until one task is completed. Ensure communication

Looking at the prior art with respect to the present invention, first Figure 1 is a view showing a wired Internet method according to the prior art. The prior art is connected to the PC-Internet network-Internet server method, the wireless method is connected to the terminal WAP Gateway Internet network Internet server method. Both methods use TCP / IP as the underlying protocol, but the wired method uses the HTTP protocol as the top protocol and the wireless method uses the WAP protocol. Since the wireless terminal has a small processing capacity and a slow communication speed, the HTTP protocol is not suitable. Therefore, the wireless terminal receives and displays a web page using the WAP protocol and the WML language proposed for the wireless terminal. In addition, the WAP protocol and the WML language are designed to be suitable for a wireless terminal in consideration of the difference between the input and output methods of the wireless terminal and the PC. However, considering that most Internet servers currently use HTTP, a WAP Gateway is used to convert data from the HTTP protocol to the WAP protocol or from the WAP protocol to the HTTP protocol.

Second, Fig. 2 is a drawing of a card approval inquiry machine that has made an electronic transaction using a conventional wireless communication network. The credit card inquiry device and the mobile communication terminal are separated, which is inconvenient to move and carry, and the user carries a phone number every time. It is inconvenient to make a call by inputting to a communication terminal. In addition, it is not easy to expand and change contents by using a dedicated program without a built-in operating system and a browser, and cannot use other services using wireless mobile communication. In addition, the input and output function of the credit card query machine is limited to text only, and has a problem in that various additional services cannot be provided because menus and functions are embedded in the credit card inquiry machine.

Third, according to the present invention, the present invention transmits the card approval data in the form of text from the network interworking device called IWF 37 of the wireless data network 33 to the authorization server 38. The conventional technology is a method of connecting a credit card checker and a mobile communication terminal to transmit and receive predetermined packet data, and the credit card checker and the mobile communication terminal are separated from each other. It is a difference from the present invention that the credit card VAN system is not configured with a web server using a wireless Internet protocol supporting the WAP method or the ME method. In addition, since the credit card inquiry and the portable communication terminal are separated, it is inconvenient to move and carry, and there is an inconvenience that a user must make a phone call by inputting a phone number into the mobile communication terminal every time. On the contrary, according to (2) of FIG. 4 of the present invention, the card approval service using the wireless Internet is a binary data of binary (0 or 1) in which the wireless Internet card approval data is transmitted from the IWF 415 of the system to the WAP Gateway 420. After the data has been transmitted, the data is converted into a web page document through encryption and decryption at the WAP Gateway 420 and transmitted to the web server 430 through a leased line using the HTTP protocol. The wireless card authorization web page document received by the web server is transmitted to the institution (card company or bank) 440 via the authorization server 431. After the data is processed, the result is returned to the wireless Internet card approval terminal 410 via the web server 430 and the WAP gateway 420 again. After that, the information for the merchant is downloaded. The information displays the number of visits and the amount used when the customer visits the merchant's credit card. This allows merchants to offer higher quality services to their key customers.

Therefore, a common problem of the prior art is that it does not follow the standard communication protocol for the wireless Internet, which is a large flow around the world, so it is used only in a special environment. In other words, by using independent wireless protocols for various bearers (CDMA, GSMIS-136, etc.), the full text and protocols of the existing wireless card approval terminal are programmed according to the respective server environment. Difficult to develop Therefore, it is not easy to upgrade a wireless card approval terminal, and it is not easy for various companies to use various wireless Internet contents using a wireless web portal for various customers.

Accordingly, the present invention has been made to solve the problems of the prior art as described above, the object of the present invention is to use a wireless Internet card approval terminal when the cardholder requests a card payment in a merchant that needs to carry and move It is to provide a card approval electronic transaction service through a wireless communication network conforming to international standards of WAP method or ME method.

It is still another object of the present invention to perform the card approval e-commerce method and use various wireless Internet contents services of a wireless communication network using different protocols. It is to provide additional services.

1 is a view showing a wired Internet method according to the prior art,

2 is a diagram of a wireless card approval terminal used for electronic transactions using a conventional wireless communication network;

3 is a configuration diagram for explaining an electronic transaction system using a conventional wireless communication network;

4 is a configuration diagram of an entire system for explaining a transaction method of a wireless network electronic transaction system for card approval using a wireless Internet card approval terminal according to an embodiment of the present invention;

5 is a block diagram of a wireless Internet card approval terminal,

6 is a flowchart showing a credit card approval task using a wireless Internet card approval terminal;

7 is a flowchart illustrating a debit card approval task using a wireless Internet card approval terminal;

8 is a view showing the output result screen and the print history after the credit card, debit card approval of the wireless Internet card approval terminal;

9 is a view for explaining a communication protocol used when the card is approved in the electronic transaction system of the wireless Internet method according to the present invention.

10 is a block diagram illustrating an additional electronic transaction service using a wireless communication network in an electronic transaction system of a wireless Internet method according to the present invention.

[Description of Symbols for Main Parts of Drawing]

URL: Uniform Resource Locator

BSC: Base Station Controller

MSC: Mobile Switching Function

IWF: Inter Working Function

WAP: Wireless Application Protocol

ESN: Manufacturing Serial Number

MIN: subscriber number

HSM: Host Security Module

ME: Mobile Explore

WSP: Wireless Session Protocol

WTP: Wireless Transaction Protocol

WDP: Wireless Datagram Protocol

WTLS: Wireless Trnasport Layer Security

WML: Wireless Markup Language

SSL: Secure Sockets Layer

HTML: HyperText Markup Language

HTTP: HyperText Transfer Protocol

CHTML: Compact HyperText Markup Language

SHTML: Small HyperText Markup Language

MHTML: MIME E-Mail Encapsulation of Aggregate HyperText Markup Language

In order to achieve the first object of the present invention, a wireless network electronic transaction system using a wireless Internet card approval terminal and an electronic transaction method using the system,

When the cardholder selects a payment method for a card from a mobile and portable wireless internet card approval terminal, the wireless internet card approval terminal combines the information required for the transaction approval request and uses the WAP or ME protocol to complete the transaction approval request. In the case of receiving wireless communication, a protocol for transmitting wireless Internet data (full transaction approval request) is connected to WTP, WSP, and WDP, and the ME method is HTTP, and the WAP method is WML and ME. A first step of transmitting a wireless Internet web document of HTML (CHTML, SHTML, MHTML, etc.), the WAP method to a WAP Gateway, and the ME method to a web server without passing through the WAP Gateway;

Receive transaction approval request information delivered to WML's wireless internet web document through wirelessly connected transmission line using WAP protocol and convert it to web page document through encryption and decryption at WAP Gateway and use HTTP protocol. A second step of transmitting to a web server through a dedicated line;

The transaction approval request information converted and transmitted to the web server is converted to X.25 in order to comply with the protocol of the card company or the computer network of the bank. Performing a card authorization electronic transaction;

Notifying the card consumer through the wireless internet transaction approval web server, a WAP gateway having a wireless internet protocol conversion function, and a wireless internet card approval terminal, the transaction approval result of the card company or the bank analyzing the transaction approval request. It is characterized by including a fourth step.

In addition, in order to achieve the second object of the present invention to provide a wireless Internet-based web-based content for providing additional services through a variety of wireless Internet content services of a wireless communication network using a different protocol according to the present invention Way,

A wireless Internet card approval terminal device for providing useful information by accessing a different web server by installing a WINDOWS CE operating system and a browser to provide various wireless Internet contents to merchants requiring mobile and portable;

Connected to the device through a WAP-type wireless Internet protocol, the protocol for transmitting wireless Internet data is connected to the WTP, WSP, WDP, and the like, and receives the WML wireless Internet web document, and encrypts and decrypts the web page document. A WAP Gateway device that converts the data into a web server and transmits and receives a web server through a dedicated line using an HTTP protocol;

An information providing web server device which collects and stores and manages cardholder or affiliated store information in various ways to additionally service the information providing request information, which is converted to the TCP / IP protocol used in the web server and connected in both directions with the device. Characterized in that it comprises a.

Hereinafter, with reference to the accompanying drawings will be described in more detail "payment method and system using a wireless Internet card approval terminal" according to an embodiment of the present invention.

4 is a block diagram of an overall system for explaining a transaction method of a wireless network electronic transaction system for card approval using a wireless Internet card approval terminal according to an embodiment of the present invention. 4 (1) is an overall conceptual diagram of a wireless Internet card approval electronic transaction system including a WAP method or a ME method. In addition, FIG. 4 (2) is a block diagram of a card approval electronic transaction system using a wireless Internet card approval terminal of the WAP method in more detail than FIG. 4 (1), WAP card for establishing a standard of wireless data The approval system is to put the WAP Gateway 420 after the IWF (415) in the existing communication network to follow the standard protocol of the wireless web to match the standard communication protocol between the wireless Internet card approval terminal 410 and the web server 430. . 4 (3) is a block diagram of a card approval electronic transaction system using a wireless Internet card approval terminal of the ME method in more detail than in Fig. 4 (1), this method is compared with the existing wired Internet by using a protocol called HTTP It is developed with compatibility. In the ME method, the WAP Gateway 420 of FIG. 4 (2) is omitted, and the communication protocol for transmitting and receiving according to FIG. 4 (3) is not WSP / WTP, but the wireless Internet card approval terminal 410. The web server 430 transmits and receives via HTTP.

5 is a block diagram of a wireless Internet card approval terminal. The terminal 540 is a terminal for performing wireless Internet card approval, a card reader for reading card information, a wireless modem for connecting with a wireless communication network, a keyboard for receiving input from a user, a menu for displaying data, and the like. It consists of an LCD, a printer for printing vouchers, a motherboard that connects all these devices to run the CPU, and a battery that supplies power.

The terminal has a built-in wireless modem, which is convenient to carry, move, and use, and is equipped with a browser that supports the WAP and ME protocols so that anytime, anywhere Internet connection is possible. In addition, the common operating system WINDOWS CE is used as the operating system, so data can be jointly managed in the desktop environment. In addition, the terminal has a card reader and a printer for printing slips for card approval, and has been manufactured to allow card approval anytime, anywhere with ultra-lightweight and miniaturization. In addition, personal information management and application programs can be run using a general-purpose operating system to perform PDA functions.

Looking at the SOFTWARE configuration of the terminal, based on the WIDOWS CE operating system (511), the KEY PAD DRIVER (513) for driving the KEY PAD, the LCD DRIVER (512) for controlling the LCD, MODEM DRIVER for controlling the wireless modem ( 514) and RS-232C DRIVER, browser program 519 for wireless internet, PIM application 518 for PDA functions, link program 517 for connecting to wireless Internet, establishing a link, and controlling the printer For the printer program 515.

In the software configuration, the browser 519 downloads and interprets a web document written in HTML, CHTML, SHTML, MHTML, WML, XML, and outputs the data to the LCD 520, and uses WTP, WSP, WDP, HTTP, and the like. It has a function to deliver. In addition, the link program 517 has a call setup, bearer setup, link protocol setup, IP setup, and PPP setup for accessing the wireless Internet network before the browser 519 is operated. In addition, WINDOWS CE 511 is a GUI-based general-purpose operating system, and in addition to a browser, it can also run applications such as PIM program 518 and other calculators.

The wireless internet card approval process using the terminal requests a data call to the wireless network using a wireless modem, allocates an appropriate bearer (CDMA, GSM), drives a link protocol to correct an error in a wireless section. A link establishment step of assigning an IP and setting up PPP; A web page output step of connecting to a web server with a URL of an approval processing web server by using a browser, downloading a web page, and displaying the web page on the LCD; An input and transmission step of transferring data received from a user using a KEY PAD and a card reader to a web server using CGI, JAVA, etc .; Processing the data input from the web server and converting the result into a web document, the terminal downloading the web document and displaying the result on the LCD; If the processing is successful, an output step of outputting the approval result to the printer is configured.

6 is a flowchart illustrating a credit card approval service using a wireless Internet card approval terminal. Referring to FIG. 5, when the credit card authorization is selected in the main menu 520 of the wireless internet card approval terminal 510, the web page document in the text form is moved to the corresponding URL on the LCD of the wireless internet card approval terminal. There are two methods for processing credit card authorization with the wireless Internet card approval terminal 510. First, when the SWIPE (s100) is applied to the wireless Internet card approval terminal 510 by the credit card 530, the card is automatically recognized as the credit card 530 according to the card number, and the card number and expiration date information in the card. Read and store temporarily in the wireless Internet card approval terminal.

According to FIG. 6, whenever a fee (s104), a service fee (s105), or an installment (s106) are input while the wireless internet card approval terminal and the web server are in communication with each other, the web server requests a web page document for the corresponding function. Then, after downloading the web page document having the registered URL, the following screen is displayed on the wireless Internet card approval terminal. After all the input is finished, if you press the transmission key (s107), the message that the transmission is on the screen appears. In this case, the message is transmitted to the BTS 412 of the mobile communication company of FIG. 4 using the ESN and the MIN stored in the wireless modem module 415 of FIG. 4.

The web page document to be transmitted is transmitted and received in the WAP Gateway 420 by WSP / WTP, which is a WAP protocol in binary form, in the WAP type wireless Internet card approval system. The web page document transmitted to the WAP Gateway 420 converts the protocol into a binary form that can be recognized by the web server 430 to the web server 430 connected by a dedicated line, and is transmitted by the HTTP protocol as a web page document.

The web page document for the card approval is processed by the authority (card company) 440 via the approval server 431, and the result is returned to the web server 430 via the approval server 431. The web server 430 is transmitted to the wireless internet card approval terminal 410 and the wireless internet card approval terminal 410 stores the received web page document in the cache memory of the terminal and the result is displayed on the LCD screen and the card approval result. Will print to the printer. After a few seconds, the number of visits by the customer and the amount of money visited by the customer are displayed on the wireless Internet card approval terminal.

Similarly, in the second method, the card number and the expiration date are directly input by the user of the wireless internet card approval terminal and stored in the wireless internet card approval terminal. Subsequently, the same process is performed after the transmission (s107) when the credit card is SWIPE (s100) to the wireless Internet card approval terminal in FIG. The LCD screen output in the wireless Internet card approval terminal for the credit card approval result is shown in FIG. 8 (1) and the printer output is shown in FIG. 8 (2). 8 (3) is the full text of credit card authorization in the wireless Internet card approval system.

7 is a screen page document for inputting the amount s202 of the screen page document of the URL when SWIPE (s201) the debit card to the wireless Internet card approval terminal, and enters the amount of service charges of the corresponding URL ( A screen page for entering s203 is displayed. After that, after entering the service fee (s203) comes out a screen page document for entering the customer's password (s204) corresponding to the URL. This password should not be known to anyone other than the customer. Enter 4 to 6 digits of the customer's password. According to FIG. 8 (7), the customer's password is the master key stored at the time of manufacture of the wireless internet card approval terminal 60 and the encrypted working key received from the bank or HSM 62 corresponding to the institution 63. A password encrypted by the encryption algorithm of the card approval terminal 60 is generated. When the transmission key is pressed in the wireless Internet card approval terminal 60, the password and data related to the previous debit card approval are input to the corresponding approval server 61 through the wireless network.

After the debit card authorization data is processed by the authorization server 61, the authorization is obtained through the bank corresponding to the institution 63, and the resultant value and the new working key are again transferred to the wireless Internet card approval terminal via the authorization server 61. Is sent. The wireless internet card approval terminal 60 stores the received working key in a memory. This working key will be used for the next debit card transaction. And the result screen for the transaction history for the debit card is manifested in the wireless Internet card approval terminal 60, the screen manifests (4) of FIG. The received web page document is stored in the cache memory of the terminal and the debit card approval result is output to the printer. After a few seconds, the number of visits by the customer and the amount of money visited by the customer are displayed on the wireless Internet card approval terminal.

8 (4) and (5) is a result screen and print details after debit card approval of the wireless Internet card approval terminal.

9 is a view for explaining a communication protocol used when the card is authorized in the electronic transaction system of the wireless Internet method according to the present invention. First of all, upon requesting data call setup in a wireless section, an appropriate bearer (CDMA, GSM) should be allocated to the wireless Internet card approval terminal 71, and a link protocol for correcting errors in the wireless section is driven.

In addition, a PPP setting 75 between the IWF 72 and the terminal for allocating an IP of the wireless Internet card approval terminal 71 should be made. Since the radio link is basically set up for the data service after receiving the data call connection request from the user, the link is established by accessing the data call.

First, the terminal 71 configures PPP through IP routing with BTS, BSC, MSC, and IWF in a wireless Internet manner, and then applies an Internet protocol (TCP / IP) for transmitting a web document. In this case, the WAP Gateway connects to the web server 74 of VAN using HTTP protocol to obtain desired card authorization information.

Subsequently, the user requests a URL from the wireless Internet card approval terminal 71. In order for the browser of the terminal to transmit card approval request information including a URL through the wireless Internet network, the terminal 71 becomes a PPP client and the IWF 72 becomes a PPP server and is connected to PPP between both ends.

Then, the terminal 71 transmits the wireless Internet protocol (WAP, ME method) to the IWF 72, and the WAP Gateway 73 connected in both directions with the IWF 72 receives the received wireless Internet web document (WML). , CHTML, SHTML, MHTML) is converted into a web document (HTML, XML, etc.) used by VAN's web server 74, and then connected to the VAN's web server 74 by IP routing.

Subsequently, the terminal 71 becomes a TCP client and the WAP Gateway 73 becomes a TCP server, and the terminal 71 transmits TCP to the WAP Gateway 73. At this time, the WAP Gateway 73 parses the request (confirms whether it conforms to the grammar) and makes a request to the web server 74 in the form of HTTP. Further, when the terminal 71 makes a URL connection request to the IWF 72, the IWF 72 connects to the WAP Gateway 73 by TCP / IP, and then uses the HTTP protocol to the web server 74 of VAN Corporation. Make a URL request. At this time, the web server 74 parses the request and determines what to send.

Then, if the URL requests a static file, the web server 74 sends it and executes the program if it is a CGI program. The web server 74 sends the result of the static file or the CGI program in the HTTP header to the WAP Gateway 73.

Then, the WAP Gateway 73 parses the response and verifies WML authorization (HTTP header deletion) and sends it to the browser of the wireless Internet card approval terminal 71. The browser of the wireless Internet card approval terminal 71 then parses the response and sends the received information to the user.

Then, the release method of the set data call may proceed in the reverse order to the call establishment method.

10 is a block diagram illustrating an additional electronic transaction service using a wireless communication network in an electronic transaction system of a wireless Internet method according to the present invention.

FIG. 10 (1) is an overall system configuration diagram and a business flow chart for inquiry of sales / number by period. If you select 'Period sales / number inquiry' (s801) in the merchant wireless terminal 800, a day / month / year selection screen (s802) appears. If you select 'Daily sales / number inquiry', a screen for entering a desired date is selected. (s803). If you enter the date here (if you press any key, it is assumed that you entered the current date), this request is forwarded to the web server 820 through the WAP Gateway (810). When the request is delivered, the web server 820 extracts the request data for the affiliated store from the DB Log data 830 stored at the time of card approval and delivers the request data to the affiliated store wireless terminal 800 through the WAP Gateway 810 again. The sales / number (s804) extracted according to a date is inquired on the screen of the wireless internet card approval terminal 800.

10 (2) is an overall system configuration diagram and a business flow chart for the DDC payment deposit inquiry. If you select the DDC payment history inquiry '(s805) in the merchant wireless terminal (800), a screen (s806) for selecting the payment history or the unpaid history is displayed. The request is forwarded to the web server 820 through the WAP Gateway 810. When the request is delivered, the web server 820 extracts the request data for the affiliated store from the DB Log data 830 received and stored one day ago by the card company 840, and again through the WAP Gateway 810, the affiliated store wireless terminal 800 ), And the extracted DDC payment deposit details s807 are inquired on the screen of the wireless internet card approval terminal 800.

10 (3) is the overall system configuration and work flow diagram for the DDC payment bank deposit account inquiry. If the merchant wireless terminal 800 selects 'DDC payment bank deposit account inquiry' (s808), the balance inquiry request for the DDC payment bank deposit account is transmitted to the web server 820 through the WAP Gateway 810. When the request is forwarded, the web server 820 extracts the request data for the corresponding merchant account from the DB Log data 830 received and stored one day ago by the bank 850 and again through the WAP Gateway 810 for the merchant wireless terminal ( The DDC payment bank balance account (s809) extracted and then delivered to the 800 is queried on the screen of the wireless Internet card approval terminal 800.

Therefore, as described above, the present invention provides a card approval electronic transaction method through a protocol conforming to the international standard of the WAP method or the ME method using a wireless Internet card approval terminal equipped with an operating system, a browser, and a built-in wireless Internet modem. Therefore, there is an advantage that first, the mobile terminal of the present invention can carry out or carry a wireless Internet card approval electronic transaction only without a separate device.

In the case of connecting a portable credit card terminal to a conventional commerce system using a wireless data communication network and a portable terminal, the transaction can be easily performed even in a place where a wired network is not installed, but a portable terminal is required separately and a call connection is required. In order to do this, I had to be inconvenient to dial up.

Secondly, since the user accesses the web server by the selected URL without entering the phone number, the result of the experiment is 40% to 50% less than the prior art. It provides customers with low communication costs and guarantees quick inquiry and approval results.

Third, WAP Gateway device can be used for wireless internet e-commerce that conforms to international standard protocols, so it can always be connected to different web servers, so that additional services from multiple or completely different service providers can be provided. The effect is expected.

In addition, the present invention provides a variety of content through a web page document, rather than the text-based card transaction behavior used in the prior art, to provide a flexible and various useful information in a wireless Internet web server for new information required by the customer Ensure services that can be additionally provided to trading customers.

Claims (12)

A card approval electronic transaction method of a wireless internet electronic transaction system including a wireless internet card approval terminal interworking with a wireless internet gateway device of a wireless communication network, a wireless card approval e-commerce web server linked with a wireless internet gateway device, and a card company or a bank To When the cardholder selects a payment method for a card from a mobile and portable wireless internet card approval terminal, the wireless internet card approval terminal combines the information required for the transaction approval request and uses the WAP or ME protocol to complete the transaction approval request. In the case of receiving wireless communication, a protocol for transmitting wireless Internet data (full transaction approval request) is connected to WTP, WSP, and WDP, and the ME method is HTTP, and the WAP method is WML and ME. A first step of delivering a wireless Internet web document of HTML (CHTML, SHTML, MHTML, etc.) to a WAP gateway to a WAP gateway and a ME method to a web server; Receive transaction approval request information delivered to WML's wireless internet web document through wirelessly connected transmission line using WAP protocol and convert it to web page document through encryption and decryption at WAP Gateway and use HTTP protocol. A second step of transmitting to a web server through a dedicated line; The transaction approval request information converted and transmitted to the web server is converted to X.25 in order to comply with the protocol of the card company or the computer network of the bank. Performing a card authorization electronic transaction; Notifying the card consumer through the wireless internet transaction approval web server, a WAP gateway having a wireless internet protocol conversion function, and a wireless internet card approval terminal, the transaction approval result obtained by the card company or the bank analyzing the transaction approval request. Payment method using a wireless Internet card approval terminal, characterized in that it comprises a fourth step. The payment method of claim 1, wherein the wireless Internet card approval terminal adopts a WAP method or a ME method, and includes a WINDOWS CE operating system and a browser for a wireless Internet. The payment method of claim 1, wherein the wireless Internet web server converts the wireless Internet protocol of the WAP method or the ME method into an HTTP protocol to perform card approval. 3. The method of claim 2, wherein the wireless Internet card approval terminal connects a protocol for transmitting wireless Internet data to a WTP method using WTP, WSP, WDP, and ME method by HTTP, and then, WAP method is WML, and ME method is HTML. Card approval payment method using a wireless Internet communication network and a wireless Internet gateway, characterized in that it includes a wireless Internet Web document (CHTML, SHTML, MHTML, etc.). 5. The payment according to any one of claims 2 to 4, wherein the wireless internet card approval terminal includes a wireless internet function, a wireless card approval function, and a wireless communication function in one device. Way. The payment method according to any one of claims 1 to 3, wherein the payment is performed by accepting a wireless Internet standard protocol of a wireless Internet web server WAP method or ME method. The WAP method of the wireless communication network accesses the WAP Gateway and the ME method of the IWF through the URL of the wireless Internet card approval terminal using a different protocol, and parses the wireless Internet web page document through the connected wireless transmission line to the web server. In the wireless network electronic transaction system using a wireless Internet card approval terminal that provides a wireless Internet-based web-based content, A wireless internet card approval terminal device equipped with a WINDOWS CE operating system and a browser to access different web servers to provide useful information for card approval and various wireless Internet contents to merchants requiring mobile and portable; Receives a call setup request signal through a wireless digital signal from the wireless internet card approval terminal, allocates a data call channel, and receives datagram data of card information recognized from the wireless internet card approval terminal through the assigned data call channel. A BTS which receives the response code of the output data and outputs it to the outside; The MSC bidirectionally connected to the BTS, and the BSC in charge of the operation and management of the base station, and the bidirectional interworking with the BSC to establish a data transmission path by performing a connection between a mobile communication network and a public switched telephone network. A wireless internet communication network interworking with the wireless network, the wireless internet communication network including an IWF functioning as a wireless internet modem for transmitting and receiving the datagram data; By bidirectionally interworking with the device, a protocol for transmitting wireless Internet data is connected via WTP, WSP, WDP, etc., and then the WML's wireless Internet web document is received, converted into a web page document through encryption and decryption, and the HTTP protocol is A WAP gateway device for transferring to a web server through a dedicated line by using the WAP gateway device; Web server device which is connected to the device in both directions, and collects, stores and manages the cardholder or merchant information in order to service the card approval request information and information providing request information that is converted to the TCP / IP protocol used in the web server Wow; The transaction approval request information, which is connected to the device via a bidirectional dedicated line and is converted to the web server, is converted into X.25 to comply with the protocol of the card company or bank's computer network, and for the cardholder's request for transaction approval, An authorization server device for transferring the card authorization request information converted to .25 to a card company or a bank; The card consumer through the wireless internet transaction approval server, a web server, a WAP gateway having a wireless internet protocol conversion function, and a wireless internet card approval terminal, the transaction approval result of analyzing the transaction approval request by the card company or bank. Payment system using a wireless Internet card approval terminal consisting of a card payment system of a card company or a bank to notify. 8. The payment system of claim 7, wherein the transmission signal is a wireless internet web page document. 9. The wireless Internet communication network according to any one of claims 7 to 8, wherein a PPP setting between an IWF and a wireless Internet card approval terminal for allocating an IP of the wireless Internet card approval terminal must be made, and a call connection request is received from the user. When a user requests a URL from a wireless Internet card approval terminal to set up a wireless link for data service, the browser of the wireless internet card approval terminal sends the request information including the URL to the WAP gateway and the ME method to the web server. Payment system using a requesting wireless Internet network. The payment system of claim 7, wherein the wireless Internet card approval terminal of the electronic network transaction system is any one of a credit card service, a debit card service, a check inquiry service, and various content providing services. The payment system of claim 7, wherein the web server for the wireless Internet service accommodates a WAP method or a ME method in a wireless Internet protocol. [11] The method according to any one of claims 7 to 10, wherein the various content providing services provide various information for dynamically changing on-line information such as sales / number inquiry to the wireless internet card approval terminal by wireless internet method. Payment system that includes a service that outputs (including advertising services).