KR20010016619A - Settlement system using the credit-phone - Google Patents

Abstract

PURPOSE: A payment system using a credit phone is provided to primarily prevent a leakage of information on a customer by directly enabling the customer carrying the credit card to make a request for paying, to reduce an economical injury owing to loss by disabling those other than customers carrying the card from paying through a holding system and a credit phone, and to secondarily prevent the leakage of the information on the customer by transmitting an itemized statement of the customer to a credit phone server and the holding system by a GPID which is an enciphered signal. CONSTITUTION: A customer(1) visits a member store(5) in cooperation with a financial company, a credit card company and receives necessary goods and other services(101). The customer activates a payment browser and transmits an ID, a password, a member store number and an itemized statement to a credit phone server(2)(102). The credit phone server(2) transmits a signal received from the credit phone and a signal which requests an authentication of the customer to the holding system(3)(103). The holding system(3) certifies the customer and notifies informations to the credit phone server(2) in case that the information of the customer constructed as a database in the system correspond to data on the customer carrying the credit card(104). The holding system(3) transmits the statement, the member store number and a purchaser authentication to servers(4) of the financial and the credit card company. The server(4) confirms the payment on purchasing the goods based on the signal received from the holding system and informs the holding system(3) of the web coin balance from the payment(106). A payment certification received from the server(4) and informations on the web coin balance are transmitted to the credit phone of the customer(1) through the credit phone server(2)(108,109). The statement received to the browser is compared with a sales slip transmitted from a card terminal(5), and contents are confirmed(110). In case that there's nothing wrong, the purchaser signs the sales slip and finally confirms the contents(111).

Description

Payment system using credit phone {SETTLEMENT SYSTEM USING THE CREDIT-PHONE}

The present invention relates to a method of making a credit payment for a purchase using a credit-phone, in particular, when purchasing goods or buying food at a merchant of a financial and card company, instead of a conventional credit card payment. It is about providing a security-enhanced system by making a payment using a diet phone.

In general, payment using a credit card is made so that a purchaser holding a credit card passes the credit card to a store owner and makes a payment after going through the financial inquiry by contacting the magnetic terminal at a terminal installed in the affiliated store or store. In the above process, the purchaser does not directly check the card payment, but is made by the store owner. Therefore, there is a possibility that the card information may be leaked without the buyer's knowledge, and there is a risk of hacking while exchanging information with the payment server. do.

In order to solve the above problems, a payment method using a web coin or a mobile phone has been proposed as an alternative. Until now, most of payment methods using a mobile phone have been used for payment methods for Internet commerce, and the related art is disclosed in Korean Patent Publication No. 2000-6796. In the related art, when a user with a mobile phone makes a payment through the Internet, the consumer selects a content or an item to be purchased on the Internet, and then gives the seller his or her mobile number or an ID contracted with the mobile carrier in advance. When sent over the web, the seller delivers the purchased goods information and the mobile number or the ID to the mobile carrier, the mobile carrier confirms that the number or ID is a normal user to notify the seller of the user authentication, the seller 1 Generates a password for use and sends the generated password to the mobile phone, the mobile phone holder confirms to the seller that the actual mobile phone owner by entering the received password directly on the seller's site, the seller enters the password and the password generated by the consumer Compares and matches Electronic payments that consist of selling goods or contents, and the purchase price is added to the mobile phone bill that the customer pays monthly, and after the consumer pays the bill, the mobile service provider pays the seller an amount excluding the storage agency and the authentication fee. It is about a method. According to the above method, when purchasing an item on the Internet, payment is made using the web and a mobile phone at the same time, and after the completion of the above step, the buyer cannot immediately confirm the authentication details of the purchase, and pay for the purchase. Since the charge is made by adding up the monthly mobile phone charges, there is a disadvantage that an objection to the authentication details cannot be made immediately.

The payment method in the Internet e-commerce using mobile communication similar to the prior art is disclosed in Korean Patent Publication No. 2000-24137, which is a resident registration number, mobile phone number, mobile communication when applying for purchases on the Internet. If you enter your password and name, you can search the database of the transaction certification authority, payment agency, and credit information agency to verify the identity of the buyer of the goods, and when the confirmation is complete, you are asked whether you want to make a payment through the buyer's mobile terminal. Send a message. Then, when the purchaser presses the call button, the mobile communication company reconciles the terminal's unique number with the personal information entered by the purchaser on the Internet, and when the confirmation is confirmed, the caller's call charge and the purchase history and the amount of the purchaser are attached to the bill at the end of the month. do. In the above case, since the information of the buyer is directly transmitted to the Internet, the security of personal information is not maintained. In order to verify the purchaser, a text message is sent to the purchaser's mobile terminal to confirm the purchase. And the step of confirming the payment approval history by the buyer is omitted.

In addition, other payment methods using a mobile phone include a method of paying a transportation fee using a mobile phone, which does not correspond to the purchase of goods, but is a chip having a special function mounted on a flip portion of a mobile phone, such as a general transportation card. It is merely intended to show the function, and payment for this takes the form of a service for making a payment in postpay.

The above-described prior art is mostly limited to payment in Internet commerce, not offline payment, and mobile phones are used only as an auxiliary means for payment, and are mainly used as a means of billing. In addition, when purchasing an item by accessing the Internet, the personal information of the buyer is transmitted without any special security measures, so the risk of leakage to the outside may be very high.

It is an object of the present invention when a purchaser buys an item at a merchant that can make a credit payment, buys food, etc., and makes a payment, using a credit-phone having a credit card function. The ID, password, merchant number, and purchase history can be transmitted to enable the purchaser to authenticate and request the purchase. The transmission history by the purchaser is based on the credit phone server (or mobile) by GPID, a unique signal generated by the credit phone. It is transmitted to the communication device server) and the holding system to maintain security, and if the transmission is leaked or hacked to the outside, it is impossible to decipher and provides a secure payment method that ensures secure security.

In addition, in making a credit payment, a buyer pays with a credit phone instead of using a credit card, and immediately after payment, checks a payment slip output from the terminal of the merchant and signs it.

1 is a flow chart showing the step of making a payment using a credit phone according to the present invention,

2 is a block diagram showing the type of signals transmitted and received between objects according to the present invention;

3 is a flowchart illustrating another embodiment of the present invention.

In order to achieve the above object, the credit phone according to the present invention is an intangible mobile card that adds the function of a credit card to the function of a mobile phone, and is used as an alternative to the conventional magnetic contact credit card, and the buyer can By using the dial phone, you can request payment by directly accessing to the banking and credit card company server through credit phone server (or mobile communication device server) and holding system, and the payment is operated in connection with the existing credit card company. do. In addition, the payment according to the present invention is made of a web-coin which is a kind of cyber money, the web-coin is a holding of the credit phone buyers holding a partnership with the financial and card companies to receive credit payment service When you open a payment account through membership in the system, at the same time a certain amount of web-coin is credited to the payment account. After that, the user can earn a web-coin in the payment account by depositing and acquiring various event products, and can also loan from the financial and card companies. The web-coin of a certain amount paid upon new subscription of the payment account is similar to a negative bank account issued by a general financial institution, and is a web-coin paid to a buyer in the form of a credit loan. Therefore, the web-coin has the same characteristics as the balance of the payment account.

Specific system configuration used to implement the present invention is a purchaser having a credit phone that actually makes a purchase; Credit phone server for transmitting the buyer data, merchant number and purchase history received from the buyer to the holding system; A holding system for transmitting the authentication of the purchaser who makes the purchase through the credit phone, the purchase history received from the purchaser, and the merchant number to the financial and card company server; A banking and card company server that performs payment approval, ticket issuance, web-coin settlement and payment verification; And it provides a buyer, goods, food and other services, and compares the payment slip received on the credit card and the buyer's credit card and confirms the merchant, the payment according to the present invention is made of the web-coin It is a post-payment method that bills the buyer through monthly settlement.

In more detail the step of making a payment using a credit phone according to the present invention, the purchaser having the credit phone visits the merchant for the purpose of goods purchase and sale, and purchases goods; The purchaser having a credit phone for the purchase launches a browser embedded in the terminal and sends a purchase history, ID, password, and merchant number to the credit phone server; The credit phone server receiving the information sends a buyer authentication request signal together with the information to the holding system; The holding system transmits the purchaser authentication to the credit phone server and the financial and card company server, and transmits the payment history and the merchant number for the purchase of the goods to the financial and card company server; The financial and card company server transmitting the payment confirmation and web-coin balance information to the holding system with respect to the received payment details; The financial and card company server transmitting the payment approval and slip output signal to the merchant card terminal for the payment history; The holding system transmits the payment confirmation and web-coin balance information received from the financial and card company server to the credit phone server; The credit phone server transmitting the received payment confirmation and web-coin balance information to a credit phone possessed by a purchaser; The purchaser having the credit phone checks the payment information received in the payment browser of the credit phone and the payment approval details received at the merchant card terminal; After the confirmation step, the buyer confirms the payment by signing the slip output from the merchant card terminal; After the end of the payment, the purchaser holding the credit phone goes through the step of depositing the payment amount on the payment invoice to the financial and card companies on the financial and card settlement date at the end of the month.

When making a payment using a credit phone according to the present invention, the payment is possible for the purchase of goods, food, cultural goods, accommodation, and conventional mobile phone payments provided by merchants of financial and card companies that have introduced the holding system. The purchase of goods in the Internet shopping mall that has been made, etc., and the payment is made by the purchaser of the credit phone directly enters the ID and password to connect to the holding system, and if someone else makes payments using the credit phone. When not the owner of the terminal when the purchaser authentication is not made because the payment is not made because the user can hold, the buyer data transmitted from the credit phone to the credit phone server and holding system is encrypted GPID It is transmitted in the form, so security can be maintained.

(Example)

Hereinafter, embodiments according to the present invention will be described in more detail with reference to the drawings.

Figure 1 shows the step of making a payment using a credit phone according to the present invention, the buyer (1) who has a credit phone payment to a financial and card company equipped with a holding system (3) as described above Open the account and deposit the web-coin, the buyer 1 holding the credit phone registers the buyer's data, i.e. ID, password, social security number, address, occupation, etc. in the holding system 3 You must register through the process.

A purchaser who has completed the above-mentioned registration process, that is, a purchaser having a credit phone, stops at the affiliated store 5 which is affiliated with the financial and card company for the purpose of purchasing or purchasing goods. When other services are provided (101) and the payment is made for the act, the buyer activates the payment browser embedded in the credit phone to transmit the ID, password, merchant number and purchase history to the credit phone server ( 102). The credit phone server 2 transmits a signal for requesting the purchaser authentication of the purchaser 1 having the credit phone to the holding system 3 together with the signal received from the credit phone (103). The received holding system 3 compares the information of the purchaser, which is built into the DB in the system, and the data of the purchaser 1 having the credit phone, and if the information matches each other, authenticates the buyer and sends it to the credit phone server ( 2) the notification 104 is displayed in the payment browser of the credit phone terminal, and the payment details, the merchant number and the buyer authentication are transmitted to the financial and card company server 4 (105). The financial and card company server 4 confirms the payment for the purchase of goods based on the signal received from the holding system 3, and notifies the holding system 3 of the balance of the web-coin for the payment (106). ). At the same time as the notification to the holding system (3), the financial and card company server (4) approves the payment for the purchase history using the credit phone, and the merchant's terminal (5) to issue a sales slip issue order for payment. 107. Payment confirmation and web-coin balance information received from the financial and card company server (4) is transmitted to the credit phone of the purchaser (1) having a credit phone via the credit phone server (108,109) Comparing the payment slip received at the credit phone payment browser with the sales slip output from the affiliated card terminal 5, check the contents (110) and if there is no abnormality, the buyer signs the sales slip and signs the payment. Finally confirm (111). After the transaction is completed, the financial and card companies settle the purchase made by the purchaser (1) who has a credit phone for the month at the end of the month and send the bill for payment. For the reduction, the deposit 112 and deposit via the bank transfer to the web-coin to enable the payment using the credit phone continuously.

As described above, the payment for the present invention can be authenticated by the holding system 3 only by the purchaser 1 who has a credit phone, so it is impossible to trade goods, etc. without the purchaser 1 certification. In addition, even if a purchase is made at a merchant using a credit phone in the same manner as the payment method using a conventional credit card, the sales slip output from the merchant's card terminal 5 can be checked immediately after the transaction. By doing so, it is possible to increase the reliability of security and payment.

FIG. 2 is a block diagram showing the types of signals transmitted and received between objects for payment in FIG. 1, and the data containing the purchaser's ID, password, merchant number, and purchase details are in the form of an encrypted GPID 201. It is transmitted to the holding system 3 via the low credit phone server 2, and even if the GPID 201 signal is leaked, it cannot be decrypted, which is a very good means for maintaining security. The GPID 201 is an inherent signal owned by a mobile phone and is an irregular signal containing contents of a mobile phone serial number and frequency, and the GPID 201 can communicate without interfering with each other by dividing frequencies of the same band. It has a function. The credit phone embedded with the payment browser transmits the buyer data to the credit phone server 2 as a GPID 201 signal, and the received credit phone server 2 receives the buyer data and the buyer authentication request as described above. The signal is also sent to the holding system 3 as a GPID 201 signal. The data received by the holding system 3 is transmitted to the financial and card company server 4 for payment. The leased line 202 is installed between the holding system 3 and the financial and card company server 4. Information can be transmitted and received to maintain security. The financial and card company server 4 transmits the payment approval and the slip output to the affiliated store terminal 5, using a wired communication network 203 as a communication means. In the transmission and reception of the data as described above, the data transmitted from the credit phone is transferred directly to the financial and card company server 4 when the financial and card company server 4 is provided with the holding system 3. It can also be sent in the form of a signal.

Figure 3 shows another embodiment of the present invention, the other embodiment of the present invention integrates a credit phone server (2), holding system (3) and financial / card company server (4) in one payment By having a server 6, a buyer having a credit phone can make a quick and safe payment through a simpler process when making a payment for the affiliated store 5. Here, the payment server 6 may be operated by a provider that provides a credit phone service, or financial and card companies may operate the payment server. Even in this case, the buyer data, the purchase history, the merchant number, and the payment history are transmitted and received as the GPID 201 signal between the credit phone and the payment server 6. In the present invention, the credit phone server 2 is a terminal according to the type of communication device such as Credit-Phoen possessed by the purchaser 1, that is, cellular, PCS, TRS, IMT-2000, E-BOOK, PDA, etc. It is possible to omit the communication server, it is possible to settle according to the invention with such a configuration.

According to the present invention, when the payment is made for the purchase of goods and the use of other services at the merchant using the credit phone, the buyer having the credit phone requests payment directly, thereby preventing the leakage of information of the buyer. In addition, it can solve the inconvenience of having a credit card with respect to the purchase, and provides a method of minimizing the economic damage due to the loss by making it impossible to pay other than the holder by the holding system and the credit phone. In addition, the transmission history by the purchaser is transmitted to the credit phone server (or mobile communication device server) and the holding system by the GPID, which is an encrypted signal generated by the credit phone, thereby preventing information leakage secondarily. An easy credit payment method is provided.

Claims (2)

A purchaser 1 having a credit phone; A credit phone server (or mobile communication device server) (2) in charge of a relay for receiving the payment details and information of the purchaser from the credit phone of the purchaser (1) and transmitting it to the holding system (3); A holding system 3 which is responsible for tasks such as buyer management, buyer security data, purchase history and payment history transmission; a finance and card company server (4) in charge of affairs such as web-coin payment, payment approval, and slip payment; In the payment system using a credit phone that takes charge of goods transaction, food service and payment confirmation, and make payment for the purchase of goods using a system consisting of affiliated stores (5), etc., allied with the financial and card companies. , A purchaser 101 having the credit phone visits an affiliated store for the purpose of goods purchase and catering, and purchases a product (101); The purchaser 1 having a credit phone for the purchase launches a payment browser embedded in the terminal and transmits the purchase history, ID, password, and merchant number to the credit phone server 2 (102); The credit phone server (2) receiving the above information transmits the purchaser authentication request signal together with the information to the holding system (103) (103); The holding system 3 transmits the purchaser authentication to the credit phone server 2 and the financial and card company server 4 (104,105), and sends the payment details and the merchant number for the purchase of the goods to the financial and card company server ( Sending 105 to 4); The financial and card company server 4 transmitting the payment confirmation and web-coin balance information to the holding system 3 with respect to the received payment details; The financial and card company server 4 transmitting a payment approval and slip output signal to the affiliated card terminal 5 for payment details (107); The holding system 3 transmits the payment confirmation and web-coin balance information received from the financial and card company server 4 to the credit phone server 2; The credit phone server (2) transmitting (109) the received payment confirmation and web-coin balance information to the credit phone possessed by the purchaser (1); A purchaser (1) carrying the credit phone (110) checks the payment information received at the terminal payment browser and the payment approval details received at the merchant card terminal (5); After the confirmation step, the purchaser 1 confirms the payment by signing the slip output from the merchant card terminal 5 (111); After the end of the payment, the purchaser (1) comprises a step (112) of depositing the payment amount on the payment invoice to the financial and card companies on the financial and card settlement date at the end of the month. A purchaser 1 having a mobile phone such as cellular, PCS, TRS, IMT-2000, E-BOOK, PDA, etc .; A holding system 3 which is responsible for tasks such as buyer management, buyer security data, purchase history and payment history transmission; a finance and card company server (4) in charge of affairs such as web-coin payment, payment approval, and slip payment; In the payment system using a mobile phone in charge of goods transaction, food service and payment confirmation business, and paying for the purchase of goods using a system consisting of affiliated stores (5), etc., allied with the financial and card companies, A step (101) in which the purchaser (1) possessing the mobile phone visits an affiliated store for the purpose of purchasing goods and catering; The purchaser 1 having a mobile phone for the purchase launches a payment browser embedded in the terminal and transmits a purchase history, ID, password, and merchant number to the holding system 3; The holding system 3 transmits 105 the purchaser authentication and payment details and the merchant number for the purchase of the goods to the financial and card company server 4; The financial and card company server 4 transmitting the payment confirmation and web-coin balance information to the holding system 3 with respect to the received payment details; The financial and card company server 4 transmitting a payment approval and slip output signal to the affiliated card terminal 5 for payment details (107); The holding system 3 transmits the payment confirmation and web-coin balance information received from the financial and card company server 4 to the mobile phone possessed by the purchaser 1; A purchaser (1) carrying the mobile phone (110) checking the payment information received at a terminal payment browser and a payment approval history received at a merchant card terminal (5); After the confirmation step, the purchaser 1 confirms the payment by signing the slip output from the merchant card terminal 5 (111); After the end of the payment, the purchaser (1) comprises a step (112) of depositing the payment amount on the payment invoice to the financial and card companies on the financial and card settlement date at the end of the month.