KR20000064159A - System and Method of settling transactions with portable telecommunications equipments - Google Patents

Abstract

PURPOSE: A system and method for an electronic settlement sing personal portable communication terminals is provided so that a purchaser can achieve the reception of purchase contents for manufactured goods or services and the transmission of authentication information for the contents through his personal portable communication terminal. CONSTITUTION: A system for an electronic settlement sing personal portable communication terminals is composed of a plurality of client computers(10), a server(20) and an internet network(30). The server(20) is comprised of a member DB(21), a purchase DB(22), an input module(23), a transmitting processing module(24), a receiving processing module(25) and a comparing processing module(26). The member DB(21) has members' names, resident registration numbers, personal portable communication terminal numbers or passwords. The purchase DB(22) stores goods or service information. The input module(23) provides a screen so that a member can watch desired goods or services. The transmitting processing module(24) provides a screen to request payment. The receiving processing module(25) receives authentication information for purchase contents. The comparing processing module(26) compares authentication information and a member's password.

Description

Electronic payment system and payment method using personal mobile communication device {System and Method of settling transactions with portable telecommunications equipments}

The present invention relates to an electronic payment system and a payment method using a personal mobile communication device, and more particularly, to an electronic payment system and method for paying for the use of goods or services during electronic commerce.

If a lot of methods are applied as a payment method on the network, it is described in Korean Patent Laid-Open Publication Nos. 2000-6796 and 2000-24137, in particular, regarding a payment method using mobile communication.

In addition, Korean Patent Application Publication No. 2000-6815 discloses a system using a communication device as a means of displaying an order content of an article or a service.

However, in the above-mentioned patent, the personal portable communication device itself has a limitation in that it is required to retransmit the received encryption key again through the Internet using a simple reception function or used only for checking information input on the Internet. There was no way to require the purchaser (the owner of the communication device) a multi-step process or restrict the illegal use of personal mobile communication devices by others.

The present invention is to solve the problems of the prior art as described above,

In electronic commerce, information transmitted on a wired network with a relatively high exposure risk is minimized, and a member (buyer) transmits the purchase of goods or services and authentication information about the purchase to the wireless network to reduce the exposure risk. It is an object of the present invention to provide an electronic payment system and a payment method using a personal portable communication device, which is relatively small and cannot be used other than the true owner of the personal mobile communication device.

1 is a system configuration of one embodiment according to the present invention.

2 is a flow diagram of one embodiment according to the present invention.

*** Explanation of symbols on main parts of drawing ***

10. Client PC (Terminal) 20. Server 21. Member DB

22. Member company DB 23. Input module

24. Transmitting Processing Module

25. Receiving Processing Module

26. Processing Modules to Compare

30. Internet Network (Open Network)

100. Steps to Choose for Purchase

200. Steps to Apply for a Purchase

300. Processing Steps to Send

400. Receiving Processing Step

500. Comparing Processing Steps

Electronic payment system using a personal portable communication device according to the present invention,

An electronic payment system comprising at least one terminal, a server, and an open network connecting the terminal and the server,

The server,

A member DB having any one or more of a member name, member resident registration number, member personal mobile communication device number, and secret password data; A purchase DB having one or more of a kind of goods or services, a quantity of the goods or services, a price of the goods or services; The member accesses the server through the terminal and the open network, and provides a screen for viewing a specific item or a specific service that the member wants to purchase, and the member makes a purchase of the specific item or the specific service. An input module for storing in the purchase DB if desired; A processing module for providing a screen for requesting payment when the member wants to pay the purchase of the specific item or the specific service and transmits the purchased contents to the member's personal portable communication device; A processing module for receiving information for authenticating the purchased contents from the personal portable communication device of the member; And a processing module for comparing the information for authenticating the purchased contents with the secret password data of the member recorded in the member DB.

In the processing module for transmitting the purchased contents, the transmission is characterized in that for transmitting to the member's personal portable communication device so that the member can directly hear or see the voice signal or text information,

In the processing module for receiving the information for authenticating the purchased content, the information is characterized in that for receiving the input number data or the voice data of the member using the numeric plate of the member's personal portable communication device,

By comparing the password data on the member DB with the input number data or the voice data of the member using the numeric plate of the personal portable communication device of the member received by the processing module for comparing the secret password data, whether the actual member It can be distinguished.

In particular, each processing module may convert information into digital information into analog information, and analog information into digital information, and the comparing processing module converts the information when comparing analog information with digital information. It is characterized by enabling mutual comparison through.

Electronic payment method using a personal mobile communication device according to the present invention,

Selecting by the member to purchase goods or services; Applying for a purchase by completing a selection of a specific item or a specific service; A processing step of transmitting the purchase contents to the personal portable communication device of the member; And a processing step of receiving information for authenticating the purchased contents from the personal portable communication device of the member and a process of comparing whether the information for authenticating the purchased contents is correct.

In the processing step of transmitting the purchased contents, the transmission is characterized in that for transmitting to the member's personal portable communication device so that the member can directly hear or see the voice signal or text information,

In the processing step of receiving the information for authenticating the purchased content, the authentication information is characterized in that receiving the input number data or the voice data of the member directly using the number plate of the personal portable communication device of the member; ,

The actual number is determined by comparing the input number data or voice data of the member using the numeric plate of the member's personal portable communication device received in the processing step of comparing whether the authentication information is correct with the secret password data on the member DB. It can be characterized by.

In particular, each of the processing steps may convert information into digital information, analog information into analog information, and analog information into digital information. The comparing processing step may be performed to convert the information when comparing the analog information to the digital information. It is characterized by enabling mutual comparison through.

As described above, the present invention,

Receiving the purchase contents and transmitting the authentication information of the purchase contents wirelessly through a personal mobile communication device to minimize the exposure of personal information on the wired network, and the number data or voice data input from the personal mobile communication device. Since only the user of the personal mobile communication device can be used to prevent the purchase of goods or services by the use of another person, in particular, when receiving the voice data of the user and determining whether the actual member through the voice data, It is possible to complete the user identification, characterized by a very excellent security.

Hereinafter, with reference to the drawings will be described in detail. However, these drawings are for illustrative purposes only and the present invention is not limited thereto.

1 is a system configuration of an embodiment according to the present invention.

Referring to Figure 1, the present invention is composed of a client PC 10, a server 20 and the Internet network (30).

The server 20 is composed of a member DB (21), purchase DB (22), input module 23, the processing module 24 to transmit, the processing module 25 to receive, the processing module 26 to compare have.

The member DB 21 has any one or more of a member name, a member resident registration number, a number of a member personal portable communication device, secret password data,

The purchase DB 22 has any one or more of the kind of goods or services, the quantity of the goods or services, the price of the goods or services,

The input module 23 provides a screen for the member to access the server through the terminal and the open network to view a specific item or a specific service that the member wants to purchase, and the member to the specific item. Or if you want to purchase the specific service is stored in the purchase DB.

The transmitting processing module 24 provides a screen for requesting the payment when the member wants to pay because the purchase of the specific item or the specific service is completed, and the purchase is performed by the number of the personal mobile communication device of the member. Send the contents.

The receiving processing module 25 receives information for authenticating the purchased contents from the member's personal portable communication device.

The comparing processing module 26 compares the information for authenticating the purchased contents with the secret password data of the member recorded in the member DB.

2 is a flowchart of one embodiment according to the present invention.

Referring to Figure 2, the present invention selects to purchase (100), the purchase requesting step 200, transmitting processing step 300, receiving processing step 400, comparing processing step 500 It consists of.

The selecting step 100 to purchase is a step that a member selects to purchase an item or service.

Applying for the purchase step 200 is a step in which the member completes selection of a specific item or a specific service and applies for a purchase.

The transmitting step 300 is to transmit the contents purchased by the member's personal mobile communication device, the member (ie, the buyer) the contents purchased by the member through the personal portable communication device It is characterized in that the transmission so as to recognize the voice or text information, and detects whether the personal portable communication device has received the transmission. If the personal portable communication device does not receive the transmission, the member is informed that the personal portable communication device cannot receive the transmission.

The receiving processing step 400 is a processing step of receiving information for authenticating the purchased contents from the personal portable communication device of the member, wherein the authentication is transmitted by the member through the personal portable communication device of the member. Receives the information and delivers the processing step 500 for comparing the received contents. If the authentication information is not received in the receiving processing step 400, it may be requested to retransmit to the transmitting processing step 300. In particular, in the transmitting processing step 300, retransmission of a predetermined number or more is impossible, and in this case, the processing unit 400 receiving the member notifies that the information transmitted from the personal portable communication device is not received.

The comparing processing step 500 is a processing step of comparing whether the information for authenticating the purchased contents is correct, the input number data or the voice data of the member using the numeric plate of the personal mobile communication device of the member. Compared with the secret password data on the DB it is characterized in that the actual membership can be determined.

The comparing processing step 500 notifies the member that the secret password data is different from the authentication information if the secret password data and the authentication information are different.

As described above, according to the present invention, the purchase contents and the information for authenticating the purchased contents are minimized to be transmitted on a wire network having a relatively high exposure risk, and in particular, the purchased contents and the information for authenticating the purchased contents are minimized. By reducing the risk of exposure by sending and receiving over a wireless network, it provides the effect of keeping personal and payment information secure.

Claims (4)

An electronic payment system comprising at least one terminal, a server, and an open network connecting the terminal and the server, The server, A member DB having one or more of a member name, member resident registration number, member personal mobile communication device number, and secret password data; A purchase DB having one or more of a kind of goods or services, a quantity of the goods or services, a price of the goods or services; The member accesses the server through the terminal and the open network, and provides a screen for viewing a specific item or a specific service that the member wants to purchase, and the member makes a purchase of the specific item or the specific service. An input module for storing in the purchase DB if desired; A processing module for providing a screen for requesting payment when the member wants to pay the purchase of the specific item or the specific service and transmits the purchased contents to the member's personal portable communication device; A processing module for receiving information for authenticating the purchased contents from the personal portable communication device of the member; And a processing module for comparing the information for authenticating the purchased contents with the secret password data of the member recorded in the member DB. The method of claim 1, The comparing processing module may convert information into digital information into analog information, and analog information into digital information. When comparing analog information with digital information, the processing module may compare each other by converting the information. Electronic payment system, characterized in that. In the electronic payment method using a personal mobile communication device, Selecting by the member to purchase goods or services; Applying for a purchase by completing a selection of a specific item or a specific service; A processing step of transmitting the purchase contents to the personal portable communication device of the member; And a processing step of receiving information for authenticating the purchased contents from the personal portable communication device of the member and a processing step of comparing whether the information for authenticating the purchased contents is correct. Electronic payment method using. The method of claim 3, In the comparing step, the digital information may be converted into analog information, and the analog information may be converted into digital information. When comparing analog information and digital information, the comparison may be performed by converting the information. Electronic payment method using a personal mobile communication device, characterized in that.