KR20020017415A - Settlement system using mobile station and transaction method of the same - Google Patents

Abstract

PURPOSE: A settlement system using a personal mobile terminal and a method for operating thereof are provided to easily perform a settlement of whole commercial dealing and living service by substituting the various prepay or post pay type settlement means with the personal mobile terminal. CONSTITUTION: The system includes a communication company server(20) being connected to each other through a wireless and wire communication network, a personal mobile terminal(10) and a reader(30). The communication company server provides the wireless communication service such as a cellular phone, a PCS(Personal Communication service), a PDA(Personal Digital Assistant), and connects to a financial organization server(40) in order to execute the credit verification, settlement, transmission and payment of the personal mobile terminal user. The personal mobile terminal stores the personal information in order to execute a commercial dealing through the on-line. The reader is equipped to an affiliating store, an EC shopping mall, a transporting company, a transporting means and a vending machine. The reader reads the personal information from the personal mobile terminal and transmits the personal information to the communication company server.

Description

Payment system using personal portable terminal and its processing method {SETTLEMENT SYSTEM USING MOBILE STATION AND TRANSACTION METHOD OF THE SAME}

The present invention relates to a payment system, and more particularly to an integrated payment system and a processing method using a personal portable terminal.

In today's complex economic society, payment methods for purchasing goods are becoming more diversified. For example, a user purchases and pays for a product using a prepaid or postpaid method such as cash, credit card, cash card, transportation card, or the like. Therefore, a user possesses one or more credit cards issued by various financial companies, and has a transportation card which is a rechargeable payment card for purchasing and paying for goods or using a transportation method such as a bus or a subway.

In addition, a credit card, electronic money (for example, coin, web money, cyber money, etc.) is used as a method of purchasing goods and contents using the Internet and paying the same.

The user has a variety of payment means described above in case of need, so it is very inconvenient to manage them. This may cause the payment method to be lost, resulting in economic losses such as exposure of personal credit information.

Therefore, various payment systems are provided to provide a more convenient product purchase and payment environment for users using credit cards, electronic money, and the like. As related technologies, a bill payment device using a wireless mobile communication network of Korea Patent Publication No. 1998-042963, an electronic payment method using a mobile phone of Korea Patent Publication No. 2000-0006796.

The payment system as described above has a mobile phone for users who have a desire to purchase a product, and thus, the user can use a mobile phone to pay for a product, thereby providing convenience in commerce such as paying a transportation fee or purchasing a product. However, the fee payment device using the wireless mobile communication network of the Korean Patent Publication No. 1998-042963 is limited to the rechargeable payment method, and the electronic payment method of the Korean Patent Publication No. 2000-0006796 using a mobile phone is used every time a commercial transaction is made. There is an inconvenience of having to pay a password from a seller or a mobile communication company.

An object of the present invention is to solve the above problems, to provide an integrated payment system for purchasing and payment of goods using a personal portable terminal.

In addition, another object of the present invention is to solve the above problems, and to implement a data processing method in an integrated payment system for purchasing and paying for a product using a personal portable terminal.

1 is a block diagram showing the configuration of an integrated payment system according to an embodiment of the present invention;

2 is a block diagram showing the configuration of the personal portable terminal shown in FIG. 1;

3 is a block diagram showing the configuration of the server shown in FIG. 1;

4 is a block diagram showing the configuration of the reader shown in FIG. 1;

5 is a flowchart illustrating a payment procedure of an integrated payment system using a personal portable terminal according to an embodiment of the present invention;

6 is a flowchart illustrating a charging procedure of an integrated payment system using a personal portable terminal according to an embodiment of the present invention;

7 is a flowchart illustrating a payment procedure in an electronic commerce of an integrated payment system using a personal portable terminal according to an embodiment of the present invention;

8A to 8F are views showing LCD screens of the personal portable terminal according to the payment procedure shown in FIG. 5;

9A to 9F are views showing LCD screens of a personal portable terminal according to the charging procedure shown in FIG. 6;

10 is a flowchart showing the operation procedure of the reader according to the embodiment of the present invention; And

11 is a flowchart illustrating an operation procedure of a reader according to another embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

10: personal portable terminal 13: personal information storage unit

14: Micom 20: service provider server

21: Customer Information DB 22: Billing Information DB

23: merchant information DB 24: control unit

25: password DB 26: the first communication interface unit

30: reader 32: terminal detection unit

34: data processing unit 36: second communication interface unit

38: display unit 40: financial institution server

According to an aspect of the present invention for achieving the above object, a payment system comprising: a personal portable terminal for storing personal information of a user; The reader for reading the personal information from the personal portable terminal when the user purchases a product; Wired or wirelessly connected to the reader and receiving the personal information from the reader to determine whether the personal information is suitable for a commerce for the purchase of the product, and if the personal information is suitable for the commerce, the reader to the reader. A first server for transmitting the first approval information; When the personal portable terminal is connected to the first server by wire or wirelessly with each other and the personal portable terminal makes a payment for the commerce through the personal information, the payment is made to the reader. Including a second server; The reader receives the first approval information and pays the goods according to the commerce, and the first server requests the personal portable terminal to charge an amount corresponding to the paid amount to the second server. It is provided to pay the amount corresponding to the amount.

In a preferred embodiment of this aspect, the personal portable terminal is provided with a semiconductor device for storing the personal information.

In a preferred embodiment of this feature, the personal information includes a personal digital assistant number, a personal digital assistant serial number, a recharge amount, a user name and / or a social security number.

In a preferred embodiment of this aspect, the reader receives the password directly from the personal portable terminal after receiving the first approval information, transmits the password to the first server and for payment of the commerce. Request further second approval information.

In a preferred embodiment of the present invention, the reader transmits receipt data or issues a paper receipt to the personal portable terminal when the settlement of the commerce is completed, and transmits the details of the commerce to the first server. It includes more.

In a preferred embodiment of this feature, the first server is provided incorporating the second server.

In a preferred embodiment of this aspect, when the second approval information is requested from the reader, the first server determines whether the password received from the reader matches the password of the personal portable terminal, and determines the identification. If the result matches, the second approval information is output.

In this embodiment, when the personal information is a charge amount, the reader stores the charge amount in the personal portable terminal when the second approval information is received.

In a preferred embodiment of this aspect, the reader pays the amount according to the commerce with a prepaid or postpaid payment means.

According to another aspect of the present invention for achieving the above object, a personal portable terminal that is wired or wirelessly connected to a communication network and stores personal information, a reader for reading the personal information, and the commerce with the reader A payment system comprising a server for mutual data communication, comprising: receiving the personal information from the reader; Determining, by the personal information, whether the personal portable terminal is suitable for conducting the commerce; If the determination result is appropriate, outputting first approval information to the reader; Receiving commodity information for the commerce from the reader receiving the first approval information; And performing a payment for the product information.

In a preferred embodiment of this aspect, after receiving the first approval information, receiving the password input from the personal portable terminal, and further comprising the step of outputting the second approval information for payment of the commerce.

(Action)

Therefore, according to the present invention, a personal memory is provided with a semiconductor memory device to store personal information. The personal portable terminal is recognized by the reader during the commerce payment, and the reader reads out personal information. The read personal information is transmitted to the service provider server and authenticated for commerce payment. Once approved, the payment is made with the reader.

(Example)

DETAILED DESCRIPTION Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram showing the configuration of an integrated payment system according to the present invention.

Referring to the drawings, the integrated payment system includes a new service provider server 20, a personal portable terminal 10 and a reader 30 that are interconnected through a wireless or wired communication network.

The communication service provider server 20 is a server provided in a wireless communication service provider that provides wireless communication services such as cellular, PCS, and personal digital assistant (PDA). The telecommunication operator server 20 is connected to the financial institution server 40 for credit inquiry, payment, transfer and payment of the user of the personal portable terminal 10. In addition, the telecommunication service provider server 20 may directly operate a server (hereinafter referred to as a cyber bank) for credit inquiry, payment, transfer and payment of a user on behalf of a financial institution.

The personal portable terminal 10 may be a personal information (for example, a personal portable terminal number, a mobile phone serial number, a user name, a social security number and / or a mobile phone) to perform commerce via on / off line, for example. Charge amount, etc.).

The reader 30 is provided to all living service companies such as merchants, e-commerce shopping malls, transportation companies, transportation (subway, buses, taxis, etc.) or vending machines. The personal information is read and recognized, and the read personal information is transmitted to the communication service provider server 20. In addition, it is wirelessly connected to the personal portable terminal 10 is provided with a function to process the payment according to the product purchase and issue a receipt.

Therefore, when the transaction is made, the reader 30 recognizes the personal portable terminal 10 and reads out the personal information to provide it to the communication service provider server 20. And the payment is obtained by obtaining the approval information for the commerce from the service provider server 20. Specific processing thereof will be described in detail with reference to FIGS. 5 to 11.

2, the personal portable terminal 10 according to the embodiment of the present invention is provided with a new personal information storage unit 13 and MICOM (MICOM: 14). And an RF transceiver 11 for transmitting and receiving a wireless signal through an antenna, a modem 12 for modulating and demodulating a signal transmitted and received under the control of the microcomputer 14, and a plurality of functions and menus for commerce. And a plurality of keypads 15 for execution, an LCD device 16 for outputting display information according to a commerce process such as product settlement, and a codec 17 for encoding or decoding an audio signal input and output. . The codec 17 is connected to a speaker and a microphone for inputting and outputting an audio signal.

The personal information storage unit 13 is provided with a semiconductor IC chip such as a flash memory and stores the personal information described above.

The microcomputer 14 controls overall operations of the personal portable terminal 10 and controls to write / read the personal information to / from the personal information storage unit 13. For example, when the amount of money is charged, information according to the processing is displayed on the LCD device 16, and the amount of charge is stored in the personal information storage unit 13.

Therefore, when the user purchases a product, the personal portable terminal 10 contacts or approaches the reader 30 for payment. Subsequently, the reader 30 reads out personal information stored in the personal information storage unit 13.

Referring to FIG. 3, the service provider server 20 according to an embodiment of the present invention is a typical computer system or data processing system, and includes a new customer information database 21, a payment information database 22, and a merchant information database ( 23) and password database 25.

The control unit 24 controls and manages the databases 21, 22, 23, and 25, a security authentication system 26 for preventing hacking, duplication, and the like from a communication network, the personal portable terminal 10, and the And a first communication interface unit 27 for mutual wired or wireless communication with the reader 30.

The customer information database 21 stores information on the user of the personal portable terminal 10, that is, the personal information.

The payment information database 22 stores information on commerce such as transaction details of the user.

The merchant information database 23 includes information on all living service companies such as merchants such as credit cards and traffic cards, e-commerce shopping malls, transportation companies, transportation means (subway, buses and taxis) or vending machines. Saving.

The password database 25 stores the user's unique password for commerce payment using the personal portable terminal 10.

Therefore, the control unit 24 receives the personal information of the personal portable terminal 10 transmitted from the reader 30 at the time of the commerce payment, and determines the user through the customer information database 21, the personal portable terminal ( Determine whether 10) is suitable for commerce settlement. If it is determined that the credit status or a suitable personal portable terminal, the password input from the personal portable terminal 10 is accepted through the reader 30, and the verification for the transaction approval using the password database 25 is performed. Do this. If it is determined that the payment is suitable for the payment in the above-described process, the payment is approved by the reader 30 and the transaction details are stored in the payment information database 22. In addition, the payment of the payment amount for the transaction details stored in the payment information database 22 is included in the invoice for billing the user's portable terminal 10 and billed to the user.

4 shows a configuration of a reader according to an embodiment of the present invention.

Referring to the drawings, the reader 30 is a terminal recognition unit 32 for recognizing when the personal portable terminal 10 is approached or contacted, and the personal portable terminal 10 from the terminal recognition unit 32. Data processing unit 34 for receiving the personal information of the transmission and transfer to the telecommunication service provider server 20 or to receive the approval information from the telecommunication service provider server 20 and processing the overall operation, and the telecommunication service provider server 20 And a second communication interface unit 36 and a display unit 38 for performing mutual data communication.

Therefore, the reader 30 is provided in all possible living services such as merchants, e-commerce shopping malls, transportation companies, transportation (subway, buses, taxis, etc.) or vending machines, and communicates with the personal portable terminal 10 during commerce. Data communication with the operator server 20 is performed by wire or wirelessly.

Specifically, the payment operation procedure will be described with reference to FIGS. 5 to 11.

5 is a flowchart illustrating a payment procedure of an integrated payment system using a personal portable terminal according to an embodiment of the present invention. This procedure is a control program provided in the service provider server 20, which is executed by the control unit 24 of the service provider server 20.

Referring to the drawing, when the commerce is started in step S50, the personal portable terminal 10 is connected to the reader 30 recognized by wire or wirelessly. In step S52, the personal information of the personal portable terminal 10 is received from the reader 30. Subsequently, it is discriminated whether or not the personal information received in step S54 is of a commercial portable terminal. For example, it is determined whether the personal portable terminal is lost or whether the personal portable terminal of the user having a good credit status is present.

As a result of the discrimination, if the personal portable terminal is suitable for commerce, this procedure proceeds to step S56 to transmit a first acknowledgment signal to the reader 30. If the result of the determination is not suitable for commerce, the procedure goes to step S72 to transmit a first disapproval signal to the reader 30.

Subsequently, in step S58, the password input from the personal portable terminal 10 is received through the reader 30. It is determined whether the password received in step S60 matches the password of the personal portable terminal 10 stored in the service provider server 20. If the two passwords match as a result of the discrimination, the procedure proceeds to step S62 to transmit a second acknowledgment signal to the reader. If it does not match, the procedure goes to step S74 to transmit a second disapproval signal to the reader 30.

Subsequently, in step S64, product information (eg, a brand name and a product price) for payment is received from the reader 30. In step S66, the financial institution server 40 is accessed to make a payment for the product information. In operation S68, the payment result is transmitted to the reader 30. In step S70, the transaction completion information indicating that the payment is completed from the reader 30 is received and stored in the payment information database 22.

8A to 8F illustrate screens displayed on the LCD device of the personal portable terminal according to the payment procedure shown in FIG. 5. 8A is a screen for selecting a payment method, and FIG. 8B is a screen for selecting a type of card company to be traded when a credit card is selected in FIG. 8A. 8C illustrates a method of selecting an installment scheme and inputting an installment month number when selecting an installment scheme. 8D illustrates a screen for inputting a password in order to receive the second approval number, and FIG. 8E illustrates a screen in which a payment is completed. 8F shows receipt data displayed on the screen.

6 is a flowchart illustrating a charging procedure of a payment system using a personal portable terminal according to an embodiment of the present invention. This procedure is a prepaid method, that is, the user's personal information storage unit 13 of the personal information storage unit 13 to prepay the amount desired by the user, and to show the personal information storage unit 13 to charge the amount And the microcomputer 14 of the personal portable terminal 10.

Referring to the figure, in step S80 it is wirelessly connected to the service provider server 20. Subsequently, a menu for executing a plurality of functions is selected using the keypad 15 in step S82, a charging menu for charging money is selected in the menu, and a charging means is selected in step S84. For example, a means for charging is selected from a menu corresponding to a chargeable credit card, a cash card or a card issued by a telecommunications company. In the case of a communication service provider issued card, the service provider may be provided to charge a certain amount of money by credit for the card carrier.

In step S86, the amount of money to be charged is entered, and in step S88, a password is input. The password entered in step S90 is encrypted and transmitted to the telecommunication service provider server 20.

In step S92, it is determined whether an approval signal has been received from the service provider server 20. In other words, if the password transmitted from the service provider server 20 and the password stored in the password database 25 of the service provider server 20 coincide, an acknowledgment signal is transmitted. As a result of the determination, when the approval signal is received, the procedure proceeds to step S94 and the charge amount is input to the personal information storage unit 13. In addition, if the approval signal is not received, the service provider server 20 transmits a disapproval signal to the personal portable terminal 10 due to, for example, an error in inputting a password or not being a suitable user. Charging is canceled.

9A to 9F are diagrams illustrating LCD screens of a personal portable terminal according to the charging procedure illustrated in FIG. 6. FIG. 9A is a screen for selecting a menu for charging among payment methods, FIG. 9B is a screen for selecting a type of card to be charged, and FIG. 9C is a screen for checking the amount of money to be charged or the remaining limit amount. 9D is a screen for inputting a password, and FIG. 9E is a screen for displaying a state of completion of charging. Additionally, FIG. 9F illustrates a screen for issuing an electronic receipt after receiving a desired small payment service as a recharge amount.

7 is a flowchart illustrating a payment procedure in an electronic commerce of an integrated payment system using a personal portable terminal according to an embodiment of the present invention. This procedure is processed in the personal portable terminal.

Referring to the drawing, in step S100 a personal portable terminal is used to access the Internet. In step S102, a product (or content) to be purchased is selected, and in step S104, a payment method is selected. That is, information on payment methods such as credit card and cash card (card company selection, installment or the like) is selected. Subsequently, in step S106, a password for commerce approval is inputted, and in step S108, it is transmitted to the service provider server 20. Subsequently, in step S110, it is determined whether an approval signal is received from the telecommunication service provider server 20, and when the approval number is received, the process proceeds to step S112 and payment is made. If a disapproval signal is received in step S114, the transaction is canceled in step S116.

10 is a flowchart illustrating an operation procedure of a reader according to an embodiment of the present invention. This procedure is a program executed in the data processing unit of the reader, which is stored in a memory device (not shown) provided in the reader.

Referring to the drawing, when the user of the personal portable terminal 10 selects a product to be purchased in step S120, product information such as a brand name and a price is displayed on the display unit 38. In step S122, the personal information is read by accessing or contacting the personal portable terminal 10. The personal information read in step S124 is connected to the communication service provider server 20 and transmitted. Subsequently, in step S126, it is determined whether the first approval signal is received from the service provider server 20. In other words, it is determined whether the personal information is a personal portable terminal which has no abnormalities (e.g., lost personal portable terminal, etc.) for commerce. As a result of the determination, when the first approval signal is received, the procedure proceeds to step S128 to transmit the password input from the personal portable terminal 10 to the communication service provider server 20.

In operation S130, it is determined whether the second approval signal for the password is received from the service provider server 20. When the second approval signal is received, the process proceeds to step S132 to complete the payment, and in step S134 transmits information on the payment details, that is, the electronic receipt to the personal portable terminal 10 or issues a paper receipt.

If the first / second acknowledgment signal is not received in step S136 / S138, the flow proceeds to step S136 / S138 to receive the first / second disapproval signal and terminates the commerce settlement.

11 is a flowchart showing an operation procedure of a reader according to another embodiment of the present invention. This procedure is also a program executed in the data processing unit of the reader, which is stored in a memory device (not shown) provided in the reader. This procedure indicates that the processing is performed in a reader provided in a vending machine, for example, a vending machine or the like, which does not require a password input.

Referring to the figure, the personal portable terminal 10 is recognized in step S140, and the charge amount is read in step S142. In step S144, it is determined whether payment is possible with the current charge amount. If it is possible to settle the result of the determination, the procedure proceeds to step S146 to transmit the approval signal to the personal portable terminal 10, and payment is made in step S148. If it is determined that payment is not possible due to lack of a payment amount, the process proceeds to step S150 and transmits a disapproval signal to the personal portable terminal 10.

As described above, the present invention has been described through the most practical and preferred embodiments, but it should be noted that the present invention is not intended to limit the scope or the technical spirit of the present invention only to help the overall understanding of the present invention.

As described above, the present invention can make payments more convenient in all commerce and life services by using a variety of payment means of prepaid or postpaid method by using a personal portable terminal. In addition, the personal information may be stored in the personal portable terminal, and the personal credit information may be prevented from being lost.

You can also establish a credibility for commerce by issuing certified electronic payment receipts by uniformizing all payment methods, and reduce the cost and workload of issuing and invoking all payment methods such as credit cards, cash cards and transportation cards. Can be.

In addition, the wireless communication service provider can secure subscribers by providing various services, and since there is no limit on the service usage time, financial institutions can increase profits and provide financial information services accordingly.

Service providers can increase customer acquisition and profit by providing various services.

Claims (11)

In the payment system: A personal portable terminal for storing personal information of a user; The reader for reading the personal information from the personal portable terminal when the user purchases a product; Wired or wirelessly connected to the reader and receiving the personal information from the reader to determine whether the personal information is suitable for a commerce for the purchase of the product, and if the personal information is suitable for the commerce, the reader to the reader. A first server for transmitting the first approval information; When the personal portable terminal is connected to the first server by wire or wirelessly with each other and the personal portable terminal makes a payment for the commerce through the personal information, the payment is made to the reader. Including a second server; The reader receives the first approval information and pays the goods according to the commerce, and the first server requests the personal portable terminal to charge an amount corresponding to the paid amount to the second server. The payment system, characterized in that for paying the amount corresponding to the amount. The method of claim 1, The personal portable terminal comprises a semiconductor device for storing the personal information. The method according to claim 1 or 2, The personal information includes a personal portable terminal number, a personal portable terminal serial number, a charge amount, a user name and / or a social security number. The method of claim 1, The reader receives the password directly from the personal portable terminal after receiving the first approval information, sends the password to the first server and further requests the second approval information for payment of the commerce. Characterized by a payment system. The method according to claim 1 or 4, The reader may further include transmitting receipt data or issuing a paper receipt to the personal portable terminal when the settlement of the commerce is completed, and transmitting the history information of the commerce to the first server. . The method of claim 1, The first server is a payment system, characterized in that provided by integrating the second server. The method according to claim 1 or 4, When the second approval information is requested from the reader, the first server determines whether the password received from the reader matches the password of the personal portable terminal, and if the determination result matches the second approval information. Payment system characterized in that the output. The method of claim 4, wherein And the reader stores the charged amount in the personal portable terminal when the second approval information is received when the personal information is a charged amount. The method of claim 1, The reader is a payment system, characterized in that for paying the amount according to the commerce by prepay or postpay payment means. In a payment system comprising a personal portable terminal connected to a communication network by wires or wirelessly to each other, and storing a personal information, a reader for reading the personal information and a server for mutual data communication for the commerce with the reader, In the server's payment method: Accepting the personal information from the reader; Determining, by the personal information, whether the personal portable terminal is suitable for conducting the commerce; If the determination result is appropriate, outputting first approval information to the reader; Receiving commodity information for the commerce from the reader receiving the first approval information; The payment processing method of the payment system comprising the step of performing a payment for the product information. The method of claim 10, Receiving the password input from the personal portable terminal after receiving the first approval information, and outputting second approval information for payment of the commerce, further comprising: .