KR20010058269A - Credit Transactions by Portable telephoneand POS - Google Patents

Abstract

PURPOSE: A credit transactions system using a cellular phone is provided to allow a buyer to buy a product easily, and guarantee transparent distribution activity, by making the result of trade remaining as data. CONSTITUTION: A buyer transmits transaction information, suggested by a distribution company in which a POS(Point Of System) is installed, to a mobile communication company via the cellular phone(S301-S304). The mobile communication company checks the transaction information from the buyer, determines whether it approves the credit transactions of the buyer, and then transmits the approval of the credit transactions to the POS via a relay server(S305,S306). The distribution company checks the approval of the credit transactions from the mobile communication company, delivers a product to the buyer, and then send details of the credit transactions to the mobile communication company(S307-S309). The mobile communication company pays the price for the product to the distribution company, and issues a notice for payment of a mobile communication service and the price for the product(S310,S311).

Description

Credit transaction system using a mobile phone {Credit Transactions by Portable telephoneand POS}

The present invention relates to a method for paying a product price using a mobile phone, wherein a buyer can purchase a product of an e-commerce service company that manages the sales of a distributor equipped with a POS and customer sales by credit using his mobile phone. It is about how to.

Generally, distributors sell products using credit cards to general customers. In the existing form of credit transaction using a credit card, the contents of the customer's card read from the card reader, such as the buyer's credit card number, payment amount, and merchant number, are transferred to the card approval company using the Internet or a telephone line. Inquires the card information from each card company to check the credit of the card, and if the card is not suspended, transmits the permission signal and authorization number to the distributor. After the transaction is completed by the buyer's autograph, the distributor collects the payout from the card company.

In particular, an Internet e-commerce company using such a credit transaction method requires a customer to request a credit card number and password. In this process, the customer's password is hacked or stolen, causing damage to the buyer. Frequent.

Purchasing a product using a mobile phone is a great advantage in that a general distributor can provide a third payment method that provides convenience to a buyer, and second, an e-commerce company secures a safe and fast payment method. Have

An object of the present invention is to provide a more secure Internet cyber transaction, as well as a way for a buyer to easily purchase a product, as well as the sales and purchase results remain as a DATA.

1 is a block diagram of goods and cash flows between the buyer, distributors, mobile operators of the present invention

Figure 2 is a block diagram of a payment approval system between the buyer, distributors, mobile operators of the present invention

3 is a flowchart illustrating a credit transaction method using a mobile phone of the present invention.

<Description of the symbols for the main parts of the drawings>

11, 21: Distributor POS

12, 22: Buyer

13, 23: MAIN server for mobile communication providers

14, 24: relay server

1 illustrates a method for merchandise sales and payback. First, the first transaction is made at the distributor POS 11 when the purchaser 12 purchases the product, and after passing through the approval procedure of FIG. 2 using the mobile phone, the product is turned over to the purchaser 12. As a result, the merchandise purchase history recorded in the MAIN server 13 of the mobile communication provider is used for payment to the distributor who is the affiliated store and the bill for billing to the next month buyer 12. All costs incurred in this process can be covered by a small fee for the purchase of merchandise by the merchant.

Hereinafter, an approval method at the time of purchasing a product will be described with reference to FIG. 2.

The distributor presents the transaction unique number issued by the distributor POS 21 to the buyer 22 at the same time as the buyer 22 purchases the product, and the buyer 22 uses the mobile phone to display the transaction unique number and the payment amount. Transfer to mobile communication provider MAIN server (23). Mobile communication provider MAIN server 23 is a relay server 24 connected to the Internet or a dedicated line automatically transmits the result of checking the details and the payment limit of the buyer and whether or not to use. (The function of the relay server 24 is dedicated to the signals coming from each of the affiliated stores and unifies the approval path without disturbing the original function of the mobile communication service provider MAIN server 23.) The relay server is a corresponding POS POS 21. The transaction approval is confirmed, and the processing history is converted to DATA. The distributor POS 21 outputs the receipt with the received transaction approval details and takes over the goods to the customer. This process takes place within a few seconds with the outgoing mobile phone of the purchaser 22.

In addition, after the delivery of the goods is completed, a method of requesting a payment to the purchaser 22 and requesting payment, information such as product sales amount, product name, and approval number remaining in the distributor POS 21 at the end of the POS work is relayed. The relay server 24 collects the information of each affiliate store and transmits the details to the mobile communication service provider MAIN server 23. The mobile operator pays the distributor based on the collected information, and the product purchase cost is added to the buyer's mobile phone bill and subsequently billed on the buyer's settlement date.

As described above, the present invention may be applied to an Internet e-commerce company in addition to a general distributor, and thus may be referred to as a third credit payment medium that can purchase a product with maximum confidence in cyber transactions.

Claims (2)

In the case of credit transactions, transaction information such as transaction unique number and payment amount presented by distributors who have installed Point of System (POS) or Internet e-commerce companies (hereinafter referred to as 'distributors') on the buyer's mobile phone 1 step to send to the operator, A second step in which the mobile communication service provider checking the transaction information transmitted by the purchaser to the mobile phone terminal in the first step determines whether the purchaser approves the credit transaction, accesses the relay server, and transmits the approval to the POS of the distributor; A third step of distributing the goods to the purchaser and returning the transaction details to the mobile communication provider by the distributor who has confirmed the credit transaction approval transmitted by the mobile communication carrier in the second step; The mobile communication service provider receiving the payment in the third step pays the goods to the distributor and issues a mobile communication bill including the purchase price of goods to the buyer to recover the payment on the payment date. The method of claim 1 The first step is a method of accessing the mobile communication provider MAIN server to the mobile phone terminal of the buyer. In the second step, the relay server (hereinafter referred to as a relay server) connected to the MAIN server of the mobile communication service provider is checked and the credit approval result is automatically sent to the POS of the distributor. How to transfer. In the third step, the POS of the distributor who delivered the goods transmits the credit transaction details stored at the end of the work to the relay server, and the relay server collects information from each affiliate store and transmits the details to the MAIN server of the mobile communication provider. Way. In the fourth step, the MAIN server of the mobile communication service provider collects the collected information and pays the distributor and bills the purchaser to the mobile communication fee settlement date.