KR20010067931A - The System settle accounts by cellular phone - Google Patents

Abstract

PURPOSE: A payment system using a mobile phone is provided to enable a user to pay the price using a mobile phone, and to increase the security by enabling the user to input a password and a resident registration number which the user previously designated, thereby performing a user authentication. CONSTITUTION: A user makes a request for processing the amount of money for payment in a store. A feedback of an authentication number is performed. The amount of money requested from the store is processed. The user carrying a mobile phone purchases a product in the store. After that, the user selects a payment through the mobile phone. The user inputs a password and a resident registration number of the user for authenticating a payment authentication number for a user authentication. In case that the password and the resident registration number inputted from the user are confirmed, the payment is processed. The feedback of the authentication number is performed. A message for confirming the payment is outputted. The payment is completed.

Description

The system settle accounts by cellular phone}

Existing electronic payment systems are provided with various payment methods such as prepaid electronic money and electronic gift certificates, passbook-type Internet cash cards, and e-mail payment solutions, in addition to the most widely used credit cards for internet commerce. However, most of these electronic payment systems are online, so payment is possible, and current laws and systems make it difficult to comprehensively solve various problems caused by the Internet payment process. Complementing this, a service that is paid in a mobile environment has emerged.

With the development of the domestic electronic payment market, the mobile-related market is becoming more vibrant, especially as mobile phones become new mobile business terminals. To date, mobile phone payment service is an electronic payment method that approves payment through subscriber's personal information and charges Internet content usage fee to the call charge of the mobile phone. In order to confirm the mobile phone occupancy, the SMS-based one-time password generator method and the outgoing mobile phone verification method through the ARS are used. However, the above method is not enough security. If an anonymous user acquires a mobile phone and pays it, it cannot be verified. Paying only on the Internet is also a limitation of mobile payment services. In addition, the user must use a conventional credit card or electronic money in order to pay a large amount because the payment is a small amount of money that can not be paid over a certain amount. In Korea, where the majority of the economically active population have mobile phones, the potential for mobile payment services will be greater than for credit cards or other electronic payment methods.

The present invention is a system that improves security than the existing payment system, and allows payment anytime and anywhere using a mobile phone that most domestic consumers have.

The user enters the password and social security number specified in advance by the user to confirm user authentication and mobile phone occupancy. At this time, the user's authentication is not based on the existing short message, so the security can be further enhanced.

In addition, by entering the store code and the amount of money can be found where the user purchased the goods and items, payment options can be directly withdrawn from the bank account or included in the mobile phone usage fee.

When trading at the store, the mobile phone includes a barcode recognition function, which is connected to the store's POS, allowing the user to watch the calculation process with the mobile phone.

In addition, all bank transactions available through Internet banking are also possible with a mobile phone, so there is no need for a credit card or electronic money.

Figure 1 Process of Mobile Phone Payment System

Figure 2 is a detailed process of payment processing between the user and the store

Fig. 3 Process diagram of bank transaction using mobile phone (e.g. account transfer)

The present invention can be applied to any device including a wireless Internet function such as a mobile phone or a PDA.

When the user requests the payment amount processing in the store, the authorization number is fed back to process the amount requested by the store (Fig. 1).

In detail, the user who owns a mobile phone first selects a mobile phone payment after purchasing an item at a store. Enter the password to obtain the payment authorization number and the social security number of the owner of the cell phone room for user authentication. After the input confirmation, enter the store's unique code and the total amount, payment is processed and the authorization number is fed back. If you enter the feedback authorization number into the store's POS, a confirmation message is output and the calculation is completed (Fig. 2).

If you don't have a POS store, you can make payments if you own an information terminal such as PDA or EBOOK, or if you have WEB-POS. Banking transactions are similar. When the user requests a bank transaction such as balance inquiry or bank transfer, the bank processes the user through authentication and then feeds back the processing result back to the user (Fig. 3).

1. You can replace a poorly secured credit card.

2. Even if you lose your phone, you can increase security because you do not know the password and social security number to get the authorization number.

3. Cash service is not available, but all transactions available through internet banking such as bank transfer or balance inquiry are possible.

4. Existing services not only come with the mobile phone bill, but also allow the payment to be made directly from the account.

5. By adopting barcode recognition function in mobile phone, user can watch all the calculation process.

6. It can be used anywhere, anytime, and has extensibility to use.

Claims (4)

In order to use the mobile payment service, the user can enter a predetermined password and a real user social security number to increase security. How to use the mobile payment system to make electronic transactions, such as all bank transactions covered by Internet banking, as well as payment of purchases How you can choose a payment method, such as withdrawing directly from your account, or in addition to your mobile phone charges The method that users can pay while watching the calculation process by adopting barcode recognition function in the mobile phone