KR20020006654A - Method for advance/after payment of charge using mobile communication terminal - Google Patents

Abstract

PURPOSE: A method for advance/after payment of charge using a mobile communication terminal is provided to enable a user to perform a paying process in advance or deferred by inputting a mobile communication terminal number of the user in a credit card inquiring device of a member store. CONSTITUTION: A user connects to a web server of a mobile number banking web site using one's computer(S101). The web server judges whether the connected user is a member(S103). If the user is a member, the web server judges whether a mobile communication terminal number of a user who bought a commodity from a credit card inquiring device of an affiliated member store is inputted through a credit card van receiving an approval request of a mobile communication terminal number(S113). If a mobile communication terminal number is inputted, the web server judges whether the user is a normal user by checking personal information of the user(S115). If the user is a normal user, the web server requests whether the user pays the price of the commodity through the user's mobile communication terminal in advance or deferred(S117). The web server judges whether an advance message or a deferred message is inputted from the user(S119). If an advance message is inputted, the web server performs a paying process through a bankbook of the user and receives the processing result from an affiliated bank(S121). The web server informs the result to the credit card inquiring device of the affiliated member store through the credit card van and transmits a message to the advance payment(S123).

Description

Method for advance / after payment of charge using mobile communication terminal}

The present invention relates to a payment method for paying for goods purchased at a credit card affiliated merchant, and more particularly, a mobile communication terminal (eg, a mobile phone, It relates to a prepaid / postpaid payment method using a mobile communication terminal number that allows a user to pay a prepaid or postpaid payment for an item purchased by a user by inputting a number such as a PDA.

Generally, there are many financial institutions such as banks, securities firms, securities firms, investment trust companies, credit card companies, post offices, agricultural cooperatives, etc., and most people open accounts at one or more of the above financial institutions. to be. In addition, as physical and financial transactions are actively conducted, the movement of funds between accounts is frequently occurring.

In particular, in the method of payment for goods purchased when the goods are purchased and sold, most of them are made in cash or by using a credit card possessed by the customer, and when a credit card is used, the user is a product store (credit card merchant). After purchasing the goods in the), and presenting a credit card, according to the credit card merchant is made by using the credit card inquiry machine provided, inquiring request to the payment server of the credit card company for approval.

1 is a block diagram showing a general credit card payment system.

As shown in FIG. 1, a credit card van connecting a credit card inquiry machine 10 of a credit card merchant to each card company 40 via a public switched telephone network (PSTN) 20 ( VAN: Value Added Network (30), and the credit card checker (10) is approved for the financial transaction of the credit card entered and enter the payment details to each card company (40) It consists of the configuration provided.

However, as described above, the credit card payment system has a problem that the user has to hold a lot of cards more than necessary because the payment is made only when the user has a card company affiliated with the merchant to make a payment.

In addition, when a user loses a credit card, another person may abuse the credit card, causing damage to credit card companies and individuals.

Accordingly, the present invention has been proposed to solve the above problems according to the prior art, the object of the present invention is to prepaid or postpaid by entering the number of the mobile communication terminal used by the customer in the credit card inquiry of the merchant The present invention provides a prepaid / postpaid payment method using a mobile communication terminal number for payment.

Features of the prepaid / postpaid payment method using a mobile communication terminal number according to the present invention for achieving the above object,

In the prepaid / postpaid payment method of a payment system consisting of a user computer, a mobile number banking web server, a bank, a credit card van, a card company, a mobile terminal, and a credit card checker of a merchant,

Determining whether the user is a member or a nonmember;

Determining that the mobile communication terminal number of the user who purchased the item from the credit card inquiryer of the affiliated merchant through the credit card van receiving the request for approval of the mobile communication terminal number is entered (authentication request) if the member is a member of the determination result;

If it is determined that the mobile communication terminal number has been input, determining whether the user is a normal user (member or customer) by checking the user's personal information on the received mobile communication terminal number;

If the determination result is a normal user, requesting whether a prepaid or postpaid payment processing for the goods is made to the mobile communication terminal of the user who purchased the goods at the affiliated merchant;

Determining whether a prepaid or postpaid payment message has been input from the user's mobile communication terminal;

If the pre-payment message is input as a result of the determination, the user processing the payment for the goods at the bank account of the affiliated bank to which the user is subscribed and receiving the processed result from the affiliated bank;

Notifying the result of the processing from the bank to the credit card checker of the affiliated merchant through the credit card van and at the same time comprises a step of transmitting a message for receipt of the prepaid payment.

1 is a block diagram showing a typical credit card payment system,

2 is a block diagram showing a prepaid / postpaid payment system using a mobile communication terminal number to which the present invention is applied;

3 is a flowchart illustrating a prepaid / postpaid payment method using a mobile communication terminal number according to the present invention;

4 is a view displayed on the screen of the mobile communication terminal when the prepaid / postpaid payment selection of FIG. 3 is selected.

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

100: user computer

200: mobile number banking web server

300: Bank

400: Credit card van

500 card company

600: mobile communication terminal

700: Merchant

Hereinafter, a preferred embodiment of a prepaid / postpaid payment method using a mobile communication terminal number according to the present invention will be described with reference to the accompanying drawings.

2 is a block diagram showing a prepaid / postpaid payment system using a mobile communication terminal number to which the present invention is applied.

As shown in FIG. 2, the mobile number banking web server 200 of the mobile number banking website (ez-Pay) is identified by a mobile communication terminal number possessed by a user (member or customer), a credit card number, and a real name. The user computer 100 for inputting a bankbook number and other personal information, and database the information received from the user computer 100 and the received customer information through the affiliated bank (300) and credit card van (400) After transmitting to the affiliated card company 500, the bank 300 and the card company 500 receives customer authentication and transmits the unique authentication number of the customer to the user computer 100 or the mobile terminal 600, The mobile number banking web server 200 requesting prepaid / postpaid payment to the user's mobile communication terminal 600 and the mobile number banking web server 200 simultaneously with the mobile number banking web server 200. The mobile number banking web server to check the customer authentication for the mobile communication terminal number of the user transmitted from the credit card inquiry (not shown) of the affiliated merchant 700 registered as a member of the mobile number banking website at Select the prepaid / postpaid payment information from the credit card van 400 and the prepaid / postpaid payment information transmitted from the mobile number banking web server 200 and transmits the selected prepaid / postpaid payment information to the mobile. The mobile bank terminal 600 transmits the number banking web server 200.

The operation of the prepaid / postpaid payment system configured as described above will be described with reference to FIG. 3.

3 is a flowchart illustrating a prepaid / postpaid payment method using a mobile communication terminal number according to the present invention.

As shown in FIG. 3, first, a user computer 100 is used to access a mobile number banking web server 200 of a mobile number banking website which is a comprehensive information portal site (S101).

At this time, the mobile number banking web server 200 determines whether the connected user is a member or non-member (S103).

As a result of the determination in S103, the non-member, the mobile number banking web server 200 guides the member registration procedure to the screen of the user computer 100 (S105).

At this time, the user through the user computer 100 through the user computer 100, the personal information such as name, address, social security number, password, mobile communication terminal number, credit card number and real name confirmed account number according to the membership registration procedure Input to the server 200 (S107) (S109).

Accordingly, the mobile number web server 200 transmits the inputted personal information, mobile communication terminal number, credit card number and bankbook number to the affiliated bank 300 and the affiliated card company 500 and the bank 300. And while notifying the user identified from the card company 500, the unique authentication number and at the same time to register the registration registration information as a database (S111).

And, if it is determined in S103 that the member of the mobile number web server 200, the mobile number web server 200 of the affiliated merchant 700 through the credit card van 400 that receives the request for approval of the mobile communication terminal number It is determined whether the mobile communication terminal number of the user who purchased the item from the credit card inquiry machine is input (authentication request) (S113).

As a result of the determination in S113, when the mobile number web server 200 receives the mobile communication terminal number, the mobile number web server 200 checks the user's personal information with respect to the received mobile communication terminal number and thus is a normal user (member or member). Customer) (S115).

If the determination result of the S115 is a normal user, the mobile number web server 200 prepaid or postpaid payment processing of the goods to the mobile communication terminal 600 of the user who purchased the goods from the affiliated merchant 700 Request whether to do (S117).

In this case, as shown in FIG. 4, a message for inputting a prepaid / postpaid payment request and a password is displayed on the screen of the user mobile communication terminal.

In addition, the mobile number web server 200 determines whether a prepaid or postpaid payment message is input from the user (S119).

When the prepaid payment message is input as a result of the determination of S117, the mobile number web server 200 processes the payment for the goods in the bank account of the affiliated bank 300 to which the user is subscribed and processed from the affiliated bank 300. Receive the result (S121).

In addition, the mobile number web server 200 notifies the credit card checker of the affiliated merchant 700 through the credit card van 400 of the result processed from the bank and simultaneously transmits a message to print a receipt for the prepaid payment. (S123).

At this time, the credit card inquiry machine of the affiliated merchant prints a receipt.

On the other hand, if the deferred payment message is input as a result of the determination of S119, the mobile number web server 200 transmits a payment payment approval request for the item purchased by the user to the affiliate card company 500 through the credit card van (400). (S125).

Then, the affiliate card company 500 checks the user's personal information, and if the user is a normal user, through the credit card van 400 notifies the credit card checker of the affiliated merchant 700 and at the same time a receipt for the postpay payment Send a message to print (S127).

At this time, the credit card inquiry machine of the affiliated merchant 700 prints a receipt.

As described above, the present invention is free from the risk of loss due to the possession of a credit card to carry only the mobile terminal, payment can be selected at prepaid or post-paid, as well as email banking and future mobile communication terminal on the web There is an effect that can use a variety of additional services, such as remittance by number, billing, payment, electronic gift certificates.

In addition, it is possible to make transactions much cheaper than the number of merchants for existing credit card transactions, and the effect is that the payment is immediately paid to the merchant's account when prepaying, especially when giving a lost credit card during the postpay payment. It is effective in eliminating the dispute with the user and the card company because it will be out of the difficulty of verification.

In addition, the credit card van can take the profits of the prepaid payment as well as the fees associated with the existing credit card transaction, it is possible to enhance the image of the company by activating the transaction and other business business.

On the other hand, the bank has an effect that can take transaction fees in accordance with various financial transactions by e-mail banking and mobile terminal number.

Claims (4)

In the prepaid / postpaid payment method of a payment system consisting of a user computer, a mobile number banking web server, a bank, a credit card van, a card company, a mobile terminal, and a credit card checker of a merchant, Determining whether the user is a member or a nonmember; Determining that the mobile communication terminal number of the user who purchased the item from the credit card inquiryer of the affiliated store is input (authentication request) through the credit card van receiving the request for approval of the mobile communication terminal number if the member is a member of the determination result; If it is determined that the mobile communication terminal number has been input, determining whether the user is a normal user (member or customer) by checking the user's personal information on the received mobile communication terminal number; If the determination result is a normal user, requesting whether a prepaid or postpaid payment processing for the goods is made to the mobile communication terminal of the user who purchased the goods at the affiliated merchant; Determining whether a prepaid or postpaid payment message has been input from the user's mobile communication terminal; If the prepaid payment message is input as a result of the determination, the user processing the payment for the goods at the bank account of the affiliated bank to which the user is subscribed and receiving the processed result from the affiliated bank; Informing the credit card checker of the affiliated merchant through the credit card van, and transmitting a message to print a receipt for the prepaid payment through the credit card van. Postpay payment method. The method of claim 1, In the step of determining whether the user is a member or non-member, if the user is a non-member, Guiding a registration procedure to a screen of a user computer; Inputting name, address, social security number, personal information of password and mobile communication terminal number, credit card number and real name verified bank account number according to the registration procedure; The personal information, mobile communication terminal number, credit card number and bank account number are transmitted to affiliated banks and affiliated card companies, and a unique authentication number is notified to users identified by the banks and card companies, and the registration registration information is databased. Pre / post payment payment method using a mobile communication terminal number comprising the step of registering as a member. The method of claim 1, If a postpaid payment message is input in the step of determining whether a prepaid or postpaid payment message is input from the user's mobile terminal, A method of prepaid / postpaid payment using a mobile communication terminal number, comprising the step of transmitting a payment authorization request for an item purchased by a user to an affiliate card company through a credit card van. The method of claim 1, When the prepaid or postpaid payment, the method comprising the step of determining whether a unique password of the user's mobile communication terminal is input, characterized in that the payment made using the mobile terminal number.