KR20010112562A - Payment method by phone number of mobile phone - Google Patents

Abstract

The present invention provides a furnace (6) and process that relied on a multiplicity of radiant heating tubes (20), each in the form of a U- shaped coil, that are mounted within a furnace firebox (10) such that an inlet leg (22) of any one of the plural tubes (20) is immediately adjacent and spaced apart from an outlet leg (26) of another one of the plural tubes (20) within the firebox (10) of a thermal cracking furnace (6). This spacial pairing of an inlet leg (22) of one tube with an outlet leg (26) of another tube of the plural radiant heating tubes (20) of the cracking furnace (6) maximizes utilization of the available radiant heat within the firebox (10) of the thermal cracking furnace (6) while reducing the likelihood of localized hot spotting that could produce coke- tar plugging of the tube (20).

Description

PAYMENT METHOD BY PHONE NUMBER OF MOBILE PHONE}

The present invention relates to a payment method using a mobile phone number to enable identification and credit inquiry without having to carry a card separately by using the individual's mobile phone number as a unique recognition means of the individual.

1 is a schematic diagram of a conventional credit card payment system, in which a customer 11 requests a card issuance from a credit card company (①), after receiving a card from a credit card company (②). When presenting the card to the merchant 12 at the time of payment (③), the payment amount is transferred to the credit card company 13 together with the credit information read from the card presented by the merchant 12 to the card reader (④ ), When the authorization is denied from the credit card company 13 (⑤), it is made by issuing a receipt with the authorization number to the customer, and the customer 11 pays a small fee every time the credit card company 13 uses it. And to pay the credit card company 13 according to the approval of use.

At this time, the magnetic card, which is a payment method, has a high risk of fraudulent use when lost, and the card company imposes a high card fee rate of 2-5% in consideration of the loss, thereby providing a cause for merchants to be reluctant to use the card.

In addition, since the credit card is released by each operator, and there is a difference in the use range and services according to the released type, too many cards are needed because the customer has to select a suitable card as needed.

Therefore, since the management of the card is very difficult from the customer's point of view, a global system is currently being researched for an integrated system that integrates multiple cards to process credit transactions of all operators with a single payment method.

Moreover, in the current commerce, the use of credit cards used as a payment method instead of cash increased to 39 million card issuances and 1.2 million card merchants as of the end of December 1999, greatly increasing with the government's credit card recommendation policy. There is a trend to do it.

Despite the use of such a generalized card, the customer has not solved the inconvenience of having multiple cards, and merchants with a high frequency of use have many difficulties and complaints because they are not managed by card companies.

There is a large-capacity card with an IC chip so that all payments can be made with one card, but also because there is no mutual compatibility, the issuing agency should introduce a new card issuing system that is not compatible with each other. Purchase a card reader.

In addition, in the case of small stores, there is a problem in that it is reluctant to buy a credit card to buy a wireless card reader for reading a credit card.

The present invention has been proposed in order to solve the above-mentioned problems, the object of the present invention is to use a mobile phone owned by everyone as a unique recognition means, apart from the conventional payment concept using a plastic card, the existing credit By applying the card-based payment system as it is, it is possible to provide a payment method using a mobile phone number that can be constructed without adding new costs and can enhance user convenience.

1 is a schematic diagram showing a conventional payment system using a credit card.

2 is a block diagram showing the overall configuration of a payment system using a mobile phone number according to the present invention.

3 is a perspective view showing a mobile phone used as a payment means in accordance with the present invention.

4 is a view showing a screen output example of the mobile phone when operating in the payment mode according to the present invention.

5 is a flowchart showing the operation process at the customer side during payment processing using a mobile phone number according to the present invention.

6 is a flowchart showing a process of processing at a merchant side in payment processing using a mobile phone number according to the present invention.

* Description of the symbols for the main parts of the drawings *

31: customer

32: Merchant

33: additional communication company

34 financial institutions

As a construction means for achieving the above object of the present invention, the payment method using a mobile phone number according to the present invention

When the customer requests the use of the mobile phone as a payment method, the additional telecommunications company has a payment mode function for displaying his / her telephone number when the signature tag and password are input to the user's terminal, and storing the credit information of the customer. ;

In the case of a predetermined transaction, the customer selects the payment mode of the mobile phone and enters a password to display his number and present it to the affiliated store;

After confirming the telephone number of the mobile phone, the affiliated store transmits the telephone number and credit information of the customer with the payment amount to the additional communication company and requests the payment approval;

The additional telecommunication company checks whether the mobile phone number is defective or stolen based on the transmitted information, and gives an approval number in association with the financial institution when there is no defect;

Outputting a receipt from the additional telecommunications company, and confirming the identity by comparing the signature tag attached to the mobile phone, and ending the transaction upon matching;

Hereinafter, with reference to the accompanying drawings will be described in detail the configuration and operation of the payment system using a mobile phone number according to the present invention.

2 is a schematic diagram showing the construction and mutual process of a payment system using a mobile phone according to the present invention, wherein a customer 31 uses a credit contract to use a mobile phone as a payment means for credit transactions with an additional telecommunication company 33; (21, 22). At this time, the additional communication company 33 provides the customer 31 with the mobile phone 40, which is attached with the signature tag 44 of the customer 31 who has entered into the contract and is given a phone number, as shown in FIG. The customer's credit information is stored, such as the credit card company that the customer subscribes to and the card number of the credit card issued by the customer.

Then, in order to perform a predetermined transaction, when the customer 31 presents his / her telephone number to the affiliated store 32 (23), the affiliated store 32 relays the credit transaction with the provided telephone number and payment amount. It transmits to the additional communication company 33 and requests approval processing (27).

Accordingly, the additional communication company 33 transmits the credit information and payment amount of the mobile phone number received from the affiliated store 32 stored in the bank to the corresponding financial institution (card company or bank) 34, and thus the financial institution 34 In the payment approval is made (26), the result is transmitted to the affiliated store (32) (25).

Thereafter, the merchant 32 confirms the signature of the customer 31 by comparing with the signature tag attached to the mobile phone as in the conventional credit card payment and gives a receipt including the approval number to complete the payment processing.

At this time, if the payment request outside the merchant, after confirming the customer's phone number from the customer's mobile phone, using a wired or wireless phone, connected to the additional communication company to deliver the customer's mobile phone number, After confirming that the telephone number is intact, the telecommunications company will assign an approval number in connection with the financial institution.

And, as shown in Figure 3, the mobile phone 40 used as a payment means provided by the customer 31 is attached with a signature tag for signature verification of the customer 31, in addition to the normal phone function In general, the user cannot view his / her phone number, and a payment mode for displaying his / her phone number when a password is input is added. This is possible with a simple internal program change.

When the payment mode is selected, the display state of the mobile telephone 40 is changed as shown in FIG. That is, when the customer 31 selects the payment mode for payment, a message for inputting a password is displayed as shown in FIG. 4A, and the password set by the customer 31 as shown in FIG. 4B. If is input, the phone number of the mobile phone 40 is displayed as shown in (c) of FIG.

5 is a flowchart showing the processing of the customer side in more detail in the payment system using the mobile phone number.

As shown, the customer 31 selects the payment mode by operating the button of the mobile telephone 40 in the state that the power of the mobile telephone received from the additional communication company 33 is turned on (501). The mobile phone 40 operates in the payment mode. First, it is checked whether the customer 21 inputs a correct password and a password that matches the setting (503). If the numbers do not match, the number of incorrect inputs is counted (504). If the number of incorrect inputs is equal to or greater than a predetermined number N (505), the payment mode cannot be used (506).

On the contrary, if the correct password is input after the payment mode is selected, the mobile phone number is received from the additional communication speaker 33 and displayed (507). In the payment mode, the current time and the like are displayed on the LCD screen together with the telephone number of the mobile communication telephone.

The customer 31 shows the number displayed on his mobile phone to the affiliated store (508), and after the predetermined processing is completed at the merchant, the customer requests a signature and presents a receipt to the customer. Receives this, and the processing on the client side is completed (510).

FIG. 6 is a flowchart showing in more detail a processing procedure at an affiliated store in the payment system using the mobile telephone number.

As described above, when the customer 31 presents his / her phone number, the customer 31 confirms the number displayed on the customer's mobile phone (601), and the member of the merchant enters an amount as in the current credit system and checks whether the postpay is made. After confirming whether it is a direct debit or a monthly installment, a request for payment approval is made to the additional communication company (602 to 604). After checking whether the mobile phone number, which is the payment account, is stolen, lost, or exceeded the limit, and connecting to the customer's designated financial institution, the debit or postpay account or credit card account is approved. An authorization number is assigned (605).

The merchant acquires the approval number (606), and outputs a receipt (607). Then, after receiving the signature of the customer on the output receipt, and comparing the signature tag attached to the customer's mobile phone to check whether the match (608), the transaction is terminated by storing the receipt (609).

In the security system according to the present invention described above, firstly, the mobile phone and the phone number are objectively matched by using a system provided by the telecommunication company for displaying the phone number of the mobile phone itself. At present, a huge number of cryptographic algorithms and certification authorities are used to make a unique card number, that is, a card that cannot be duplicated, but it is difficult to use due to the increase in time delay and cost of authentication. However, in the present invention, the mobile telephone company's communication network proves that the telephone number used for payment is unique and that the terminal is the telephone number. Second, to enter the payment mode by entering a personal password, it can ensure a better security effect than the current credit card system. In other words, even if you lose your mobile phone, if you do not know the password, you will not be able to make credit transactions. In addition, thirdly, existing cards often delay the loss report without recognizing the loss and theft. However, the cell phone will soon report the loss, thereby reducing the possibility of fraud, reducing the loss of credit card companies and reducing the number of disputes with customers.

In the above, the value-added telecommunications company may act as a fee for the settlement with the financial institution designated by the customer and generate a fee income for the number of transactions and the amount of the transaction as a fee.

As described above, the payment system according to the present invention can reduce the economic loss, such as the customer does not have to hold a number of cards by using a mobile phone that is widely spread without introducing a separate plastic card, in addition, You don't need to introduce a card reader or consider compatibility with different cards. You can use the existing payment system, and if you lose your mobile phone, you can't do credit without knowing your password. The risk of use can be prevented, and by only presenting the phone number of the mobile phone possessed at the time of use, there is an excellent effect that can facilitate the convenience of customers.

Claims (4)

When the customer requests the use of the mobile phone as a payment method, the additional telecommunications company has a payment mode function for displaying his / her telephone number when the signature tag and password are input to the user's terminal, and storing the credit information of the customer. ; In the case of a predetermined transaction, the customer selects the payment mode of the mobile phone and enters a password to display his number and present it to the affiliated store; After confirming the telephone number of the mobile phone, the affiliated store transmits the telephone number and credit information of the customer with the payment amount to the additional communication company and requests the payment approval; The additional telecommunication company checks whether the mobile phone number is defective or stolen based on the transmitted information, and gives an approval number in association with the financial institution when there is no defect; Outputting a receipt when granting an approval number from an additional telecommunications company, comparing with a signature tag attached to a mobile phone, and confirming whether or not the transaction is completed, and ending the transaction upon matching; payment method using a mobile phone number . According to claim 1, The payment method using the mobile phone number At the time of payment mode selection and password input, the additional communication company transmits the phone number of the mobile phone, and the received phone number is displayed on the screen of the mobile phone. According to claim 1, If the payment request outside the merchant, after confirming the customer's telephone number from the customer's mobile phone, using a wired or wireless telephone, connected to the additional telecommunications company to promote the customer's mobile phone number If delivered, the payment method using the mobile phone number characterized in that the additional telecommunications company checks whether the phone number is defective and assigns the approval number in association with the financial institution. The method of claim 1, wherein when a password is incorrectly inputted more than a predetermined number of times after selecting a payment mode, the payment mode is disabled.