KR20010048787A - Method for paying a charge of goods using mobile phone - Google Patents

Abstract

PURPOSE: A bill settling method using a mobile communication terminal is provided to stably and conveniently perform good transaction without using cash by using a mobile communication of a user and a previously registered credit card number. CONSTITUTION: When a user desires to settle a bill for a good by using a mobile phone(S10), he or she inputs a previously registered password, an identification code of a store of the good and a bill. Then, the mobile phone creates a bill settlement request data in a short message on the basis of a short message service protocol(S11) and transmits it to a good sale managing server(S12). When the user is recognized as a subscriber, a CPU compares the user's password of the received short message and a password stored in a user phone number searched by a hard disk(S13). If the two passwords are identical to each other, the CPU reads out a credit card number and effective term information on the credit card stored in the searched user phone number and transmits an authentication request data for requesting an authentication for the received bill together with the read credit card information to the credit card settling server(S14). The credit card settling server compares the creditable amount of money of the user related with the credit card information and the bill requested for settlement to determine whether the requested bill is to be authenticated for settlement(S15).

Description

Method for paying a charge of goods using mobile phone}

The present invention relates to a payment method for goods using a mobile communication terminal, and more particularly, by approving payment for goods requested from a goods purchaser through a mobile communication terminal based on a user's current creditable amount. In addition, the present invention relates to a payment method for goods using a mobile communication terminal to allow purchase and sale of goods.

In the conventional method of payment for goods purchased and sold, it is mostly made in cash or by using a credit card possessed by the user. In the case of using a credit card, the user purchases the goods at a merchandise store. After that, the credit card is presented, and accordingly, the merchandise store uses the provided credit card inquiry terminal to make an inquiry request to the credit card settlement server and receive the approval.

However, credit cards that must be carried in order to use these payment methods are frequently lost, and even if they are lost, they are often used for high-value transactions of more than tens of thousands of dollars rather than small transactions. While they are not aware of the loss, they are frequently used for malicious transactions such as fraudulent transactions.

In addition, since the credit card checks the authenticity of the user by the magnetic strip method, the credit card is vulnerable to forgery, which causes damage of more than tens of thousands of won caused by the forgery credit card.

In addition, since the transaction of goods using a credit card has to go through a cumbersome procedure at a store, it is not actually made in a small transaction, and a credit card holder also has to carry a certain amount of cash to purchase a small amount of goods. The retailer who wants to sell the goods by credit card has the additional cost to secure a separate inquiry terminal for reading and verifying the credit card. Therefore, the small shops that are mostly small transactions accept credit card transactions. It was true that it was difficult to do.

In addition, as described above, the user may purchase the goods through a telecom distributor instead of purchasing the goods directly at the merchandise store. When the user makes a direct call and establishes a telephone connection, the user will provide personal information such as a credit card number to pay for the purchased product over the telephone. Using the credit card number of the user to request the payment of the payment to the credit card payment server.

However, even in such a transaction method, there is a problem that a user must report personal information such as a credit card number of the user to a merchandise distributor through a communication medium such as a telephone every time the purchase of the product.

Therefore, the present invention was created to solve the above problems, using a mobile communication terminal and a pre-registered credit card number of the user, a move that allows the safe and convenient trading of goods without using cash The purpose is to provide a payment method for goods using a communication terminal.

1 is a diagram showing an entire network configuration in which a payment method for goods using a mobile communication terminal according to the present invention is implemented.

Figure 2 shows the configuration of a preferred embodiment of the goods price management server of Figure 1,

3a and 3b illustrate the flow of a preferred embodiment of the payment method for goods using a mobile communication terminal according to the present invention,

4 shows a configuration format of a unique electronic serial number (ESN) of a mobile communication terminal,

5 is a diagram illustrating a procedure for payment of goods;

6 and 7 show the storage contents of the hard disk provided in the goods payment server of FIG.

8 is a diagram showing the configuration of another embodiment of the goods price management server of FIG.

※ Explanation of code for main part of drawing

100: mobile communication terminal 200: affiliated store (article sales)

300: CDMA mobile communication network 400: public telephone network (PSTN)

500: commodity price management server 510: network connection

520: DTMF detection unit 530: clock unit

540: central processing unit 541: ROM

550: voice recording disk 560: voice restorer

570: hard disk 600: credit card payment server

Item payment method using the mobile communication terminal according to the present invention for achieving the above object, through the mobile communication terminal, the goods payment request data comprising the identification information and goods price of the goods seller and the goods buyers The first step of transmitting to the goods price management server; A second step of transmitting, to a credit card settlement server, user personal information including the registered credit card number of the buyer and the price of goods specified from the payment data for the goods; A third step of determining whether to approve payment of the goods price, based on the currently available amount of the purchaser specified from the credit card number; And a fourth step of transmitting, to the communication terminal specified from the identification information of the seller, the payment approval data including the price of the goods according to the determination.

In the payment method for goods using the mobile communication terminal, the goods purchaser first connects to the goods payment management server using his mobile communication terminal, and identifies the goods purchaser and the goods seller according to the call connection. The price payment request data including information and price of goods is wirelessly transmitted from the mobile communication terminal to the goods price management server connected thereto. Accordingly, the goods price management server is configured to include the purchaser, the registered credit card number of the buyer specified in the goods buyer identification information in the payment request data received from the mobile communication terminal and the goods price in the payment request data. Send the personal information to the credit card payment server, and accordingly the credit card payment server checks the user's current credit available amount associated with the received credit card number, from which the payment of the item price requested The approval will be decided.

If the determination of the credit card settlement server is payment approval, the goods price management server transmits the goods price payment approval data including the goods price to the communication terminal specified from the identification information of the seller, The seller can check the payment approval of the price of the goods so as to sell the goods.

Hereinafter, an embodiment of a payment method for goods using a mobile communication terminal according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating an entire network configuration of a payment method for goods using a mobile communication terminal according to the present invention, a mobile communication terminal capable of paying for goods (hereinafter, referred to as a "mobile phone") 100, a CDMA mobile communication network. 300, a merchandise distributor 200 having a communication terminal wirelessly connected to the CDMA mobile communication network 300 (or a wired connection to a general public telephone network (PSTN) 400); Credit card payment to determine whether or not to approve payment of goods on the basis of the goods available price management server 500, and the current credit available amount of the user who requested the payment for goods, using the mobile phone 100 of the user The server 600 is configured.

FIG. 2 illustrates a detailed configuration of the commodity price management server 500 in the entire network configuration of FIG. 1, which is connected to the CDMA mobile communication network 300, and which connects and sends and receives connection signaling and signals. 510); A hard disk 570 that stores personal information such as an address, a phone number, a transaction history, a password of each individual program, a subscriber (item purchaser), an identification code and an access number of a registered seller (merchant); A clock unit 530 which keeps track of the current date and time; And a central processing unit 540 that executes programs on the ROM 541 and the hard disk 570 to perform operations such as searching and data update storage of the hard disk 570.

Figure 3a and Figure 3b is a flow chart showing the flow of a preferred embodiment of the payment method for goods payment using a mobile communication terminal according to the present invention, below with reference to the network configuration of Figure 1 and the detailed configuration of FIG. 3A and 3B will be described in detail with respect to the article payment method.

First, a user applies for a subscription to a mobile communication provider in order to make a payment for an item using a mobile phone 100. At this time, the user uses a unique number of a credit card to be used for payment for an item and a valid period of a credit card (month (月) / Year), password, address, such as personal information is provided to the mobile communication provider, the user's personal information is hard of the goods sales management server 500 managed and operated by the mobile communication provider Stored on disk 570.

The merchandise distributor 200 also applies for a subscription to a mobile communication provider in order to be able to pay for the merchandise according to the purchase of the merchandise of the user by using the user's mobile phone. In this case, the merchandise seller identification code and access number Information such as a telephone number and a fax number is provided to the article sales management server 500, which is also stored in the hard disk 570 of the article sales management server 500.

The mobile phone 100 stores a user's mobile phone number (MIN) and the unique electronic serial number (ESN) of the mobile phone in advance, the mobile phone number is composed of 10 decimal digits, also referred to as Mobile Station Identification Number (MSIN) do. In addition, the electronic serial number (ESN), which is a unique identification code of a mobile phone, is an identifier uniquely assigned to a terminal (mobile phone), and has a data format as shown in FIG.

In such a state, the user may eat at a merchandise retailer, for example, a restaurant, or purchase a merchandise at a store subscribed to the merchandise management server 500, and then use his mobile phone to pay for meals or merchandise The payment can be made simply by referring to FIG. 5, which illustrates a procedure for payment of goods.

First, a user inputs a service use password registered on the mobile phone 100, an identification code of the corresponding merchandise seller 200, and the goods price for payment of goods using the mobile phone 100 (S10). (1 in Fig. 5), the mobile phone 100 according to the input data, the pre-stored mobile phone number, and the mobile payment service data payment request data consisting of the unique mobile phone serial number, Form a short message based on the short message service protocol, which is one of them (S11), and transmits the short message to the article sales management server 500 through the CDMA mobile communication network 300 (S12). (② of FIG. 5).

The short message service is a service for exchanging short text messages between mobile terminals or between a mobile terminal and a receiving device to receive a short message using an access / paging channel or a traffic channel. The maximum size of the user data field is 80 for English and 40 for Korean.

When the merchandise sales management server 500 receives the item payment request data in the form of a short message from the mobile phone 100, the central processing unit 520 in the management server 500 is the hard disk 570 This fact is recognized by the program on the network through the network connection 510, and from the short message received directly from the network connection 510, to check the phone number of the call-connected mobile phone 100 do.

Accordingly. The central processing unit 540 searches the hard disk 570 in which user personal information is stored as shown in FIG. 6 to confirm whether the confirmed telephone number exists, and if the telephone number exists, Recognize that the user is a registered subscriber.

As such, when the user is recognized as a subscriber, the central processing unit 540 retrieves the user's password in the received short message and the user retrieved from the hard disk 570 to confirm the validity of the user (3 in FIG. 5). Comparing the password stored in association with the phone number (S13) and confirms whether the two passwords are the same, and if both passwords are the same as the result of the confirmation, the user is judged as a legitimate user and the subsequent process is performed. If the password is not the same, a message prompting to re-enter the password is output to the mobile phone 100. If it is determined that the password is not the same three or more times in the password comparison process, the central processing unit 540 By outputting a guide message that the subsequent process can no longer be performed to the mobile phone 100, To stop the use of the service, the goods sales management server 500, the guide message output to the mobile phone 100 may also be a text message.

If the two passwords are the same as the result of the check, the central processing unit 540 determines that the user who requested the payment of goods is a legitimate user, and accordingly, the central processing unit 540 is stored in association with the retrieved user telephone number. Read the credit card number and the expiration date information of the credit card, and transmits the authorization request data for requesting the approval of the received price of the goods together with the read credit card information to the credit card payment server 600 (S14). (④ in Fig. 5).

The credit card payment server 600 stores the credit card information (credit card number and expiration date of the credit card, etc.) issued to the user and the user's current credit available amount, and stores the credit card payment server 600. ) Compares the credit available amount of the user associated with the credit card information received from the goods price management server 500 and the payment price of the requested item (S15), the payment of the price of the goods requested therefrom To determine whether to approve (⑤ of Figure 5), if the received price of the goods does not exceed the confirmed amount (S20) the credit card payment server 600 approves the payment of the requested price of the goods and In operation S21, the credit card payment server 600 updates the user's currently available credit amount to the amount subtracted from the approved payment amount according to the payment approval of the item price. It is (S22).

The credit card settlement server 600 notifies the goods price management server 500 whether or not the payment for the payment of the goods requested for payment (S23) (6 in FIG. 5), and according to the payment approval of the goods price. The central processing unit 540 maps the transaction history to the hard disk 570 based on the data previously received from the mobile phone 100 and the current date and time tracked and maintained by the watch unit 530. 6, which is classified as a transaction of the user specified from the mobile phone number among the received data, and the payment amount and the date and time of the transaction are classified and stored as a purchase amount. This will be used as a resource in case a dispute arises in the details.

In addition, the central processing unit 540 is notified whether the payment of the goods payment approval of the goods sales destination 200 through the network connection unit 510 (S24) (⑦ of Fig. 5), for this purpose The processing device 540 checks the identification code of the previously received merchandise seller 200, and the hard disk in which the identification code of the checked merchandise seller 200 is stored, as shown in FIG. Searching from 570, using the access number of the merchandise distributor 200 stored in association with the searched identification code, the call connection with the communication terminal provided in the merchandise seller 200 is made.

In this case, the communication terminal of the merchandise distributor 200 may be a CDMA mobile communication terminal or a wired telephone (or a wired connection dedicated payment terminal). In the case of a CDMA mobile communication terminal, a call connection is performed through the CDMA mobile communication network 300. This will be done. In the case of a wired terminal, a call connection is made through the public telephone network 400. When a call connection is made with the communication terminal of the merchandise seller 200, the central processing unit 540 is composed of a mobile phone number of the user who requested the payment for the goods and the payment for the goods and the payment price to the connected terminal; By sending payment approval data, the vendor can know the cost of the goods or services, the payer, and whether the payment has been approved.

At the time of transmitting the payment approval data, the central processing unit 540 additionally stores personal information such as an address, a name, a telephone number, and the like of the user previously stored in the hard disk 570 to the merchandise seller 200. This may be provided, in order to be used in the case where the merchandise distributor 200 must provide the goods to the user through a mail or a courier service.

In addition, when the communication terminal of the merchandise seller 200 is a CDMA mobile communication terminal, the central processing unit 540 informs the merchandise payment approval of the merchandise seller 200 whether to accept the payment for the goods. You can also notify us.

On the other hand, the central processing unit 540 notifies the purchaser's mobile phone 100 whether the payment approval of the goods price (S24) (⑦ of Fig. 5), for this purpose, the central processing unit 540 is By providing the payment approval in the form of a short message to the mobile phone 100, so that the user can check whether the payment approval of the payment price of the item he requested.

By the above process, the user can perform transactions by credit card using a mobile phone which is always carried without using a credit card.

In particular, even in the case of a utility bill, such as a merchant does not have to pay an identification code for the utility bill in the same manner as the merchant identification code. Of course, at this time, according to the utility bill identification code, the credit card settlement institution pays the credit card payment amount through the mobile phone to the receiving agency of the utility bill.

FIG. 8 shows a configuration of another embodiment of the item price management server 500, and has a DTMF detection unit 520 for detecting DTMF tones received through the network connection unit 510 in the same configuration as that of FIG. A voice storage disk 550 in which voice guidance messages are stored in data form; And a voice reconstructor 560 for reconstructing and transmitting the compressed voice data stored in the voice storage disk 550 into a voice message.

In the payment method for the commodity price configured as described above, the user first recalls a special phone number specified in the commodity price management server 500 for requesting payment of the commodity price, for example, a specific number such as "* 89". When the input using the dial button provided in the mobile phone 100, the telephone number of the input destination is transmitted to the CDMA mobile communication network 300 through a nearby base station, in which the conventional mobile phone 100 is stored in the mobile phone 100 The mobile phone number (MIN) of the user and the unique electronic serial number (ESN) of the mobile phone are transmitted in the Originating Message format of the access channel.

The base station receiving the call connection request data from the mobile phone 100 transmits the call destination requested destination data to the connected exchange (not shown), and the exchange receives the access number of the corresponding destination received when the call is requested. Request a call using the (phone number) to make a call connection with the corresponding price management server 500.

When a call connection is made with the goods price management server 500, the central processing unit 540 in the management server 500 performs this fact by executing a program on the hard disk 570. Recognized through, and confirms the telephone number of the call-connected mobile phone 100 from the call signal of the digital form received directly from the network connection unit 510, as previously described the user is registered Recognize that you are a subscriber.

When the user is recognized as a subscriber as described above, the central processing unit 540 reads compressed voice data corresponding to the entire service selection guide message among voice guide messages previously stored in the voice storage disk 550. The read voice data is restored by the voice restorer 560 and converted into a voice message, and then outputted to the call-connected mobile phone 100 through the network connection unit 510. 500, and listens to the voice message provided, the goods price management server 500 is a service waiting state waiting for the user's response, the entire service selection guide message may be the voice guidance of the following content have.

"Please dial the number of the service you want.

No. 1: Electronic payment

No. 2: Lost Report

Number 3: check payment history "

......................

The user selects a specific item desired for a service from the entire service item, and the specific item is designated through a dial button on the mobile phone 100 or '◀' or '▶' button according to the user's selection. When the user selects a desired service item from all the service items, the DTMF detection unit 520 detects a DTMF signal input through the network connection unit 510, and the central processing unit 540 The service selected by the user is confirmed from the detected DTMF signal.

As a result of the check, when the user selects the first, 'electronic payment' service item among the entire service items for payment of the goods, the central processing unit 540 sequentially processes the necessary data for the selected electronic payment. A guide message requesting an input of a message is read from the voice storage disk 550 and output to the call-connected mobile phone 100 through the network connection unit 510, and the goods price management server 500 again. The service waits for a response from the user.

The user who listens to the voice announcement message through the mobile phone 100, according to the voice announcement message, the pre-registered service use password which is necessary data for electronic payment, the identification code of the corresponding merchandise seller 200, the price of goods, etc. Are sequentially input in the order of the input request through the button provided in the mobile phone 100, the DTMF detection unit 520 detects DTMF signals sequentially input through the network connection unit 510, the center The processing device 540 checks the data input by the user from the detected DTMF signal.

The central processing unit 540 retransmits prestored voice data corresponding to the identified input data to the call-connected mobile phone 100 through the network connection unit 510, thereby allowing the user to send his / her own. By re-confirming the data input by listening to the voice message, the user re-confirms the data he / she input for payment of the goods, and if there is an error according to the result of the check, returns to the procedure and re-enter the data. To take appropriate action.

In this way, the central processing unit 540 of the merchandise sales management server 500 confirms receipt of data required for payment of goods from the mobile phone 100 in the form of DTMF signals in a call connection state, rather than in a short message form. Subsequently, subsequent operations in accordance with the reception of the necessary data for the payment for the goods are made in the same manner as described above.

The payment method for goods using the mobile communication terminal according to the present invention, which is made as described above, the user has to carry a person's credit information such as a credit card number to the goods retailer with a cash or credit card with a high risk of loss Without the hassle, you can easily pay for the goods by credit card by using a mobile terminal that is safer for forgery, and the seller can receive the sales amount according to the previous credit card payment method, and pay the additional cost. It is a very useful invention that can further spread the credit transaction can be carried out by using a conventional mobile communication terminal, always without a mobile communication terminal.

Claims (6)

In the payment method of goods, A first step of transmitting, through the mobile communication terminal, the item payment request data including the item selling destination and the item buyer identification information and the item price to the corresponding item price management server; A second step of transmitting, to a credit card settlement server, user personal information including the registered credit card number of the buyer and the price of goods specified from the payment data for the goods; A third step of determining whether to approve payment of the goods price, based on the currently available amount of the purchaser specified from the credit card number; And And a fourth step of transmitting, to the communication terminal specified from the identification information of the seller, the payment approval data including the price of the goods, in accordance with the determination. The method of claim 1, The goods payment request data of the first step in the form of a short message (Short Message), the goods payment method using a mobile communication terminal, characterized in that transmitted to the goods payment server. The method of claim 1, The goods payment request data of the first step, the goods payment method using a mobile communication terminal, characterized in that transmitted after the call connection with the goods payment server. The method of claim 1, Identification information of the buyer of the goods, payment method for goods using a mobile communication terminal, characterized in that comprises a unique number of the terminal. In the payment method of goods, A first step of receiving, from the mobile communication terminal, the payment price data of the goods, including the identification information of the goods seller and the goods buyer, and the goods price; A second step of requesting approval of payment of the price of the goods by sending user personal information including the registered credit card number of the buyer and the price of the goods specified from the identification information of the buyer of the goods to the credit card settlement server; ; A third step of receiving whether or not to approve payment of the goods price of the credit card payment server based on the requested data for approval of payment; And In accordance with whether or not the payment of the goods, the payment price of goods using a mobile communication terminal comprising a fourth step of transmitting the payment approval data including the price of goods to the communication terminal specified from the identification information of the vendor; Payment Method. The method of claim 5, The fourth step may further include transmitting payment approval data including the price of the goods to the mobile communication terminal specified from the purchaser's identification information according to whether the payment of the price of the goods is approved. Payment method for goods using a mobile communication terminal characterized in that.