KR20020065805A - A method of controlling a purchasing settlement by a wireless mobile terminal - Google Patents

Abstract

PURPOSE: A purchase settlement control method is provided to enable a user to purchase electronic money, to update the number of the electronic money whenever the user buys a commodity or enjoys a service with the electronic money at an affiliated store, online or offline so that it can prevent an illegal sale at the affiliated store and allow the user to easily manage remaining money at the mobile terminal. CONSTITUTION: The method comprises steps of a user accessing an ARS(Automatic Response System) of an electronic money management server via a telephone, or a web site of the electronic money management server over the internet for requesting purchase of the electronic money(S10), the user paying for the electronic money by a cash remittance, a credit card or an EFT(Electronic Fund Transfer)(S12), the server checking the payment and receiving the payment message from a bank(S14), the server checking if the number of an electronic money is designated for the user in advance, in a case that the number of an electronic money is designated for the user in advance, the server adding a newly purchased electronic money to a remaining amount while giving a new number to the added electronic money, and transmitting the new number to a mobile terminal, and in a case that the number of an electronic money is not designated, giving a new number to the newly purchased electronic money and transmitting the new number to a mobile terminal(S16), the server transmitting a message of an electronic money purchase result and a payable money amount to the mobile terminal(S18, S20), and the user making a usage registration of the purchased electronic money(S22).

Description

A method of controlling a purchasing settlement by a wireless mobile terminal

The present invention relates to a method for controlling payment of a purchase using a wireless mobile terminal, and more particularly, by allowing an electronic money number (including electronic money amount) received in a wireless mobile terminal to purchase a product online and offline. The present invention relates to a purchase payment control method using a wireless mobile terminal.

Electronic money is a general purpose prepaid card, a payment method that stores monetary values in electronic media (computers, IC cards, networks, etc.) and uses them to purchase goods and services. Credit and debit cards are used to transfer funds through a bank's payment account. Electronic money, on the other hand, is a method of paying with the value stored on a medium or network.

And, while most vouchers have one-time value storage and limited use, electronic money is rechargeable and versatile. Although it is common in that value is given to payment media in comparison to checks, checks are postpaid payment methods by which the issuer consigns payments to the payer without using electronic media.

Table 1 shows the comparison between electronic money and similar payment methods.

<Table 1> Comparison of Electronic Money and Similar Payment Methods

division Electronic money Credit card Debit card gift card check Storage ○ × × ○ × Value ○ × × ○ ○ Transfer of value × × × ○ ○ Payment point prepayment Postpay Debit prepayment Postpay Universality △ △ △ × ○ Repeated use ○ ○ ○ × × Used space Online, offline Online, offline offline offline offline

Electronic money is divided into IC card type and network type according to the storage method of money value. In other words, the IC card type is an integrated circuit (IC) embedded in a conventional plastic card to store monetary values (eg, K-cash, Mondex, Visacash, etc.), and the network type uses a computer connected to an information communication network. It stores the value of money as a digital signal and uses it for payment through a network such as the Internet (eg, e-coin, e-money, etc.).

The IC card-type electronic money is mainly used in offline merchants and the charge of the money is made by the charger, the network-type electronic money is mainly used in the online merchants and the money is charged through the Internet.

In addition, electronic money is divided into account type and non-account type according to the anonymity of the transaction. In other words, the account type is a method in which a record of the counterparties and transaction details is maintained and managed in the computer of the bank, and the record tracking is possible, and the non-account type is a method in which anonymity is guaranteed by transmitting only a transaction amount to the bank computer.

As such, electronic money eliminates time and space constraints through payment settlement using the network, and there is no qualification restriction for electronic money users, so it is easy to use the low-economic class such as housewives or minors, and it is convenient to make small payments. It eliminates inconvenience caused by possession, has excellent security compared to other payment methods, low commission fees for merchants, and great usefulness for online transactions such as Internet shopping.

Of course, even though the current electronic money is evaluated as a simple payment method in the media that "the concept of money is just electronically", electronic money is already unbearable and requires rapid standardization and system dissemination. Is the reality.

Accordingly, there have been actively proposed ways of activating the use of electronic money at various angles and additional service methods activating the purchase of goods and services by using the electronic money.

The present invention has been made in view of the above-described conventional situation, and provides a purchase and payment control method using a wireless mobile terminal that facilitates the purchase of electronic money and the purchase of goods online / offline by the purchased electronic money. There is a purpose.

1 is a network configuration applied to the method of the present invention,

2 is a flowchart illustrating an operation from electronic money application to issuance according to an embodiment of the present invention;

3 is a flowchart illustrating a purchase payment operation online according to an embodiment of the present invention;

4 is a flowchart for explaining a purchase payment operation offline according to an embodiment of the present invention;

5 is a flowchart illustrating a value transfer operation according to an embodiment of the present invention;

6 is a flowchart illustrating the operation of charging electronic money according to an embodiment of the present invention.

※ Explanation of code for main part of drawing

10: telephone 12a-12n: wireless mobile terminal

14: mobile communication network 16: computer

18: Internet network 20: online merchant server

22: offline merchant 24: value-added communication network

26: electronic money management server 26a: ARS system

26b Database 28 Servers of financial institutions

30: telephone line 32: electronic money sales agent

34a to 34n: branch

Purchasing payment control method using a wireless mobile terminal according to a preferred embodiment of the present invention to achieve the above object, the electronic money to be purchased from the online data input means and the telephone number of the wireless mobile terminal of the electronic money receiver Receiving a data for the first step; A second step of confirming whether a payment corresponding to the received electronic money amount data is received; A third step of transmitting payment amount information to the wireless mobile terminal of the electronic money receiver according to the received telephone number data of the wireless mobile terminal as the payment is confirmed; And a fourth process of making a purchase payment for the corresponding product based on the product price information provided by the online merchant and the payment amount information of the product buyer.

In addition, the purchase payment control method using a wireless mobile terminal according to another embodiment of the present invention, the first step of receiving data about the electronic money amount to be purchased offline and the telephone number of the wireless mobile terminal of the electronic money receiver; A second step of confirming whether a payment corresponding to the received electronic money amount data is received; A third step of transmitting payment amount information to the wireless mobile terminal of the electronic money receiver according to the received telephone number data of the wireless mobile terminal as the payment is confirmed; And a fourth process of making a purchase payment for the corresponding product based on the product price information provided by the offline affiliated store and the payment amount information of the product buyer.

Hereinafter, a purchase payment control method using a wireless mobile terminal according to an embodiment of the present invention will be described with reference to the accompanying drawings.

1 is a diagram illustrating a network configuration applied to the method of the present invention, wherein a wireless connection to a mobile communication network 14 and a wireless mobile terminal 12a to 12n capable of receiving various wireless signals transmitted through the mobile communication network 14 are shown. ; A computer 16 capable of online connection to the Internet network 18; An online merchant server 20 capable of accessing the computer 16 via the Internet network 18; A terminal 22a provided in the affiliated store 22 that can receive credit card approval, such as a restaurant; A value added network 24 exclusively connected to the terminal 22a of the offline affiliated store 22; Built-in ARS system 26a connected to the mobile communication network 14 and a general telephone network (not shown), and a database 26b that stores data on electronic money number and balance for each phone number of each wireless mobile terminal. One electronic money management server 26; And a server 28 of a financial institution connected to the electronic money management server 26.

The wireless mobile terminals 12a to 12n may be PCS phones, cellular phones, PDAs equipped with wireless mobile communication modules, and the like.

The computer 16 includes data input means such as a keyboard, an electronic pen, a mouse or a conventional speech recognition software package; Display means such as a video monitor; Audio output means such as a speaker; And a processing means such as a CPU, and incorporates a web-browser.

In addition, the terminal 22a of the offline affiliated store 22 may be configured as a card authorization terminal called CAT (Card Authorization Terminal).

In addition, when the terminal 22a is not provided in the offline affiliated store 22, the offline affiliated store 22 makes a telephone call with the electronic money management server 26 through the general telephone line 30.

The electronic money management server 26 controls the procedures for issuing, using, approving, transferring money, and settlement of electronic money. Here, value transfer means to transfer the electronic money of the customer to another person online if desired.

The electronic money purchaser operates the wireless mobile terminal (any one of 12a to 12n) to access the electronic money management server 26 through the mobile communication network 14, and the electronic money to be purchased and the telephone of the wireless money terminal of the electronic money receiver. Enter the data for the number. In addition, it is possible to input the electronic money amount to be purchased and the telephone number of the wireless mobile terminal of the electronic money receiver through the general telephone 10.

The electronic money management server 26 combines a predetermined electronic money number (e.g., composed of 12 to 14 numbers) containing the amount of payment information that can be paid to the wireless mobile terminal of the electronic money receiver through the mobile communication network 14. Number). At this time, the electronic money management server 26 transmits an SMS short message for a predetermined guide word.

In addition, the electronic money purchaser accesses a website operated by the electronic money management server 26 through the Internet network 18 through a computer 16, and purchases the electronic money amount and the telephone number of the wireless money receiver of the electronic money receiver. You can also enter data for this.

On the other hand, the buyer of the electronic money visits the electronic money sales representative 32 or the branch 34a to 34n of the electronic money sales representative 32 connected to the electronic money management server 26 to make a predetermined electronic currency. The purchase of waste may also give data on the telephone number of the electronic money receiver's wireless mobile terminal.

Here, the electronic money purchaser and the electronic money recipient may be the same person or separate persons.

In the above description of FIG. 1, the buyer has described the purchase of electronic money, but the electronic money may be replaced by a gift certificate. That is, in FIG. 1, an electronic money purchaser purchases an electronic money and provides the electronic money to a recipient of the electronic money. The user may purchase a predetermined amount of a gift certificate online or offline and provide it to a person who desires it. Accordingly, the recipient who has received the information on the gift certificate (for example, the gift certificate number) to his wireless mobile terminal can purchase the desired product using the gift certificate number. Of course, the electronic money management server 26 may manage all procedures such as issuance, use approval, value transfer, and settlement of electronic money and gift certificates.

2 is a flowchart illustrating an operation from electronic money application to issuance according to an embodiment of the present invention. Set and explain that the electronic money buyer and the electronic money recipient are separate persons.

First, a purchaser who wishes to purchase electronic money connects to the ARS system 26a of the electronic money management server 26 through the phone 10 or the mobile communication network 14 through the wireless mobile terminal 12a to 12n. Request the purchase of electronic money by accessing the ARS system 26a through the network or by accessing the web site (not shown) of the electronic money management server 26 through the Internet network 18 through a computer 16. (Step S10). In this case, the electronic money management server 26 receives and temporarily stores the purchaser's telephone number or the wireless mobile terminal's telephone number or e-mail address in order to inform the purchase result of the electronic money.

Accordingly, in the case of the ARS system 26a, a request message for inputting a desired purchase amount and a recipient's wireless mobile terminal phone number is transmitted through the mobile communication network 14 to the terminal (i.e., telephone, wireless mobile) of the corresponding electronic money purchase. To one of the terminals). The purchaser of the electronic money listens to the guidance message outputted by voice, and inputs the amount desired to purchase and the telephone number of the wireless mobile terminal receiving the electronic money. Then, a key input signal corresponding to the key input is transmitted to the ARS system 26a of the electronic money management server 26 through the telephone line or the mobile communication network 14.

Meanwhile, in the case of the web site, the Internet network 18 is transmitted to the computer 16 of the electronic money purchase applicant, requesting the input of the desired purchase amount and the receiver's wireless mobile phone number. The purchaser of the electronic money inputs the amount he / she wishes to purchase and the telephone number of the wireless mobile terminal to receive the electronic money according to the voice message or the guidance message displayed on the screen. Then, an input signal corresponding to the input is transmitted to the web site of the electronic money management server 26 through the internet network 18.

Of course, the electronic money purchaser can purchase the electronic money by directly visiting the electronic money dealer 32 or any of the branches 34a to 34n connected to the electronic money management server 26. That is, when the electronic money purchaser stops at the electronic money sales representative 32 and requests the purchase of a predetermined electronic money, and then provides data on the telephone number of the wireless mobile terminal of the electronic money receiver, the electronic money sales representative 32 The purchased electronic money amount and information on the telephone number of the wireless mobile terminal of the electronic money receiver may be transmitted to the electronic money management server 26.

The purchaser who has requested the purchase of the electronic money deposits a price corresponding to the electronic money amount which he / she wants to purchase (step S12). Here, the payment is made in the form of cash, credit card, bank transfer.

The electronic money management server 26 requests the payment confirmation through the server 28 of the financial institution, and receives a confirmation message indicating that the payment has been received from the server 28 of the financial institution (step S14).

Accordingly, the electronic money management server 26 confirms the preset presence or absence of the combined electronic money number in which the payment amount information for the electronic money receiver is loaded in the database 26b. As a result, if there is a preset combined electronic money number, the electronic money management server 26 adds the balance based on the electronic money number and the charged electronic money amount and newly combines the electronic money with respect to the added amount. Number and transmit the new electronic money number through the mobile communication network 14 to the wireless money receiver of the electronic money receiver, whereas without the preset combined number the first combined value for the purchased electronic money amount is provided. It assigns an electronic money number and transmits the first electronic money number to the wireless mobile terminal of the electronic money receiver through the mobile communication network 14. Of course, the new or first combined electronic money number is stored in the database 26b together with the telephone number of the wireless mobile terminal of the recipient of the electronic money (step S16).

The electronic money management server 26 transmits a guide message for a payment amount using a predetermined electronic money number and the electronic money number to the wireless mobile terminal of the electronic money receiver through the mobile communication network 14. (Step S18). In addition, when the guide message is transmitted, the provider's wireless mobile phone number may also be transmitted so as to identify who provided the electronic money. For example, a message such as "You have been provided with electronic money equivalent to 100,000 won from 000-111-2222. Your purchase number is xxxxxxxxxxxx. If you want to use it, please press the # key." Is sent to the receiver's wireless mobile terminal. If you assume that a gift voucher that is not electronic money is given to any recipient, a gift voucher worth 100,000 won has been provided to you from "000-111-2222. Your voucher number is xxxxxxxxxxxx at the time of purchase. Press the # key "and the like are sent to the recipient's wireless mobile terminal.

After transmission of the electronic money number to the wireless mobile terminal of the electronic money receiver, the electronic money management server 26 sends a message indicating that the purchase result has been successfully performed to the wireless mobile terminal of the electronic money buyer. Notification is made through step 14 (step S20).

Thereafter, the electronic money receiver reports the guidance message displayed on the display panel of his wireless mobile terminal and registers the use of the received electronic money (step S22). At this time, input of a password necessary for security on the electronic money can be selectively performed. The use registration signal in the wireless mobile terminal of the electronic money receiver is transmitted to the electronic money management server 26 through the mobile communication network 14. The password may be input by a key input in a wireless mobile terminal, may be input by voice, or may be a key or voice input of a word (or sentence) corresponding to the password.

Of course, if the recipient who received the electronic money for the first time does not register the receipt for a certain period of time, the electronic money management server 26 notifies the purchaser of the non-receipt, and transmits the refund or the second recipient desired by the buyer again.

In addition, even if the recipient has already received the electronic money, if the user does not register the use of the received electronic money, the electronic money management server 26 deletes the received electronic money number and the electronic money recipient. After maintaining the previous electronic money number and the previous balance for, the buyer will be notified of the receipt and sent again to the buyer or the second recipient.

Although the above-described flowchart of FIG. 2 is set and described as an electronic money purchaser and an electronic money receiver as a separate person, even if the electronic money purchaser and the electronic money receiver are the same person, the above operation is applied as it is.

3 is a flowchart illustrating a purchase payment operation online according to an embodiment of the present invention.

The electronic money holder accesses the server 20 of the affiliated store affiliated with the electronic money management server 26 through the Internet network 18 using the computer 16 (step S30).

The electronic money holder selects a product he / she wants to purchase by looking at various product information provided by the server 20 of the affiliated store, and inputs an electronic money number written in his wireless mobile terminal (step S32).

The product selection signal and the electronic money number corresponding thereto are inputted to the server 20 of the online merchant through the Internet network 18, and the server 20 of the online merchant stores the electronic money number and price information on the selected product. The electronic money management server 26 sends a request for payment approval (step S34).

Since the electronic money management server 26 has information on how much can be paid for the electronic money number for each customer, the electronic money management server 26 is based on the received product price and electronic money number. It is determined whether payment is possible (step S36).

If the received commodity price exceeds the payable amount (“No” in step S36), the electronic money management server 26 creates a non-payment reason message and the server of the affiliate store through the internet network 18 ( 20) (step S38).

On the contrary, if the price of the received product is less than the payable amount ("Yes" in step S36), the electronic money management server 26 writes a payable message to the server of the merchant through the Internet network 18 Transfer to step 20 (step S40).

In addition, the electronic money management server 26 calculates a balance after deducting the product price from the previous settlement amount of the electronic money holder, assigns a new electronic money number to the balance, and then applies the corresponding information through the mobile communication network 14. The transfer is made to the mobile terminal of the electronic money holder (step S42). The database 26b in the electronic money management server 26 is assigned a new electronic money number to the mobile phone number of the holder of the electronic money. After that, the holder of the electronic money makes a purchase using the new electronic money number.

The online affiliate store that receives the payment possible message through the Internet network 18 receives the contact information of the electronic money holder and services the corresponding product to the electronic money holder using, for example, a courier service (step S44).

4 is a flowchart for explaining a purchase payment operation offline according to an embodiment of the present invention.

The electronic money holder is a merchant (eg, a general booth in a department store, a permanent store in a department store) that has an affiliated store 22 that exists offline to purchase a product, that is, an electronic money management server 26 and a merchant store contract on the use of electronic money. Etc.).

Then, the electronic money holder selects the desired product from the offline affiliated store 22 and informs the salesperson of the offline affiliated store of the electronic money number written in his wireless mobile terminal (step S50).

The salesperson of the offline affiliated store 22 inputs the electronic money number and price information on the selected product by using the terminal 22a in the affiliated store, and transmits the same to the electronic money management server 26 to request payment approval. (Step S52). Accordingly, a signal corresponding to the keyed electronic money number and product price information is transmitted to the electronic money management server 26 through the value-added communication network 24. Of course, the offline affiliated store 22 may request payment approval to the electronic money management server 26 through the telephone line 30 using a general telephone instead of the terminal 22a.

Since the electronic money management server 26 has information on how much can be paid for the electronic money number for each customer, the electronic money management server 26 is based on the received product price and electronic money number. It is determined whether payment is possible (step S54).

If the received commodity price exceeds the payable amount (“No” in step S54), the electronic money management server 26 creates a non-payment reason message and the corresponding offline affiliated store through the value-added communication network 24. It transmits to the terminal 22a of (22) or notifies the telephone of the said offline affiliated store 22 via the telephone line 30 (step S56).

On the contrary, if the price of the received product is less than the payable amount (“Yes” in step S54), the electronic money management server 26 creates a payable message and the corresponding offline affiliated store through the value-added communication network 24. It transmits to the terminal 22a of (22) or notifies the telephone of the said offline affiliated store 22 via the telephone line 30 (step S58).

In addition, the electronic money management server 26 calculates a balance after deducting the product price from the previous settlement amount of the electronic money holder, assigns a new electronic money number to the balance, and then applies the corresponding information through the mobile communication network 14. The electronic money holder transmits to the wireless mobile terminal (step S60). The database 26b in the electronic money management server 26 is assigned a new electronic money number to the telephone number of the wireless mobile terminal of the holder of the electronic money. After that, the holder of the electronic money makes a purchase using the new electronic money number.

The offline affiliated store 22 provides the corresponding product to the electronic money holder (step S62).

On the other hand, when the purchase of goods on-line or off-line, the electronic money management server 26 deducts each merchant fee from the goods purchase price and deposits the payment to the account of the merchant.

That is, the electronic money management server 26 contracts with the online or offline merchants for fees and settlement periods, and when the settlement period is reached through the server 28 of the financial institution that deals with the management server, The amount settled in the bank account of the trading financial institution is deposited, and the merchant financial institution of the merchant confirms the payment to the merchant. The electronic money management server 26 provides settlement information to the corresponding affiliated store. Here, the settlement period is usually 3 days or less on the basis of the sales date (approval basis).

5 is a flowchart illustrating a value transfer operation according to an embodiment of the present invention, in which a person having a predetermined amount of electronic money wants to transfer all or part of his or her electronic money to another person. . And since value transfer provides electronic money to others, it can be called charging from the recipient's point of view.

First, the person holding a predetermined amount of electronic money connects to the electronic money management server 26 through the telephone 10, the wireless mobile terminal 12a to 12n, or the computer 16 (step S70), and then the other. In order to transfer their electronic money to a person, their electronic money number and the telephone number of the wireless mobile terminal to receive the electronic money are entered (step S72).

The electronic money management server 26 checks whether or not the same mobile number as the wireless mobile terminal telephone number exists in the database 26b, based on the input electronic money number and the wireless mobile terminal telephone number (step S74).

As a result of the check, if there is no same wireless mobile phone number ("No" in step S74), the electronic money management server 26 registers the newly inputted wireless money terminal phone number of the electronic money receiver in the database 26b. On the other hand (step S76), if there is the same wireless mobile phone number (Yes in step S74), the electronic money management server 26 does not go through a separate registration process. The telephone number is used as it is (step S78).

In other words, when the person who transfers electronic money (the payer) transfers some of his electronic money (“No” in step S80), that is, only a part of the electronic money owned by the person who transfers electronic money is transferred. If the information on the partial transfer amount is entered, the electronic money management server 26 subtracts the transfer amount from the balance based on the electronic money number of the person to be transferred, and adds a new electronic money number to the remaining amount. Then, the newly assigned electronic money number is transmitted to the payer's wireless mobile terminal through the mobile communication network 14 to inform the user (step S82).

The electronic money management server 26 adds the electronic money amount partially transferred by the payer to the electronic money amount of the electronic money recipient. That is, if no electronic money number is set to the electronic money receiver as a result of the search based on the telephone number of the wireless mobile terminal of the electronic money receiver, the first electronic money number corresponding to the partial transfer amount is assigned. On the other hand, if the electronic money recipient has an electronic money number already set, a new electronic money number is assigned to the sum of the balance and the transfer amount based on the predetermined electronic money number. Then, the electronic money management server 26 transmits the new electronic money number to the wireless mobile terminal of the corresponding electronic money receiver through the mobile communication network 14 to inform it (step S84).

However, if the person who transfers the electronic money (the payer) transfers all his electronic money (YES in step S80), that is, the information that the person who transfers the electronic money transfers all his / her electronic money. If you enter the electronic money management server 26 transfers all the electronic money of the payer to the recipient. That is, if no electronic money number is set for the electronic money receiver as a result of searching based on the telephone number of the wireless mobile terminal of the electronic money receiver, the first electronic money number corresponding to the total amount transferred is displayed. After assigning, the electronic money number is transmitted to the wireless mobile terminal of the electronic money receiver through the mobile communication network 14, and the electronic money number is already set to the electronic money receiver. After a new electronic money number is assigned to the sum of the balance based on the electronic money number and the total amount transferred, the newly assigned electronic money number is transferred to the wireless mobile terminal of the electronic money receiver through the mobile communication network 14. It transmits and informs (step S86).

Then, the electronic money management server 26 transfers all electronic money and deletes the electronic money number of the electronic money holder with no balance from the database 26b, and notifies it to the wireless mobile terminal of the person who was the electronic money holder. (Step S88).

6 is a flowchart illustrating the operation of charging electronic money according to an embodiment of the present invention. Here, the process of charging one's own electronic money is demonstrated.

The person who wants to charge the electronic money can manage the electronic money management server through the mobile communication network 14 or the Internet network 18 using the telephone 10 or the wireless mobile terminal 12a to 12n or the computer 16. 26) (step S90).

Then, the electronic money number and the amount to be charged are input (step S92). At this time, if there is a password for the user who has already set the charge for the electronic money number, the password may be entered together. In addition, it is also possible to enter their own mobile phone number instead of the electronic money number.

The electronic money management server 26, which has received the predetermined electronic money number and the information on the amount to be charged, checks whether the price for the amount to be charged has been deposited in connection with the server 28 of the financial institution (step S94). ).

When the electronic money management server 26 receives a confirmation message indicating that the payment corresponding to the charged amount has been received, the electronic money management server 26 searches for information of the corresponding electronic money charging candidate stored in the database 26b. (Step S96).

Thus, the balance based on the electronic money number of the electronic money charging applicant and the charged amount are added together, and a new electronic money number is assigned to the summed amount (step S98).

The electronic money management server 26 transmits the newly-assigned electronic money number to the wireless mobile terminal of the user who wishes to charge the electronic money via the mobile communication network 14 (step S100).

Besides the above-described embodiment of the present invention, the electronic money management server 26 allows the electronic money holder to inquire how much electronic money is owned by him. That is, when the electronic money holder accesses the electronic money management server 26 and inputs his / her wireless mobile phone number or electronic money number, the electronic money holder may notify the balance based on the electronic money number.

As described in detail above, according to the present invention, it is possible to purchase a product only by presenting an electronic money number, thereby providing anonymity and convenience without leakage of personal information as compared to the existing prepaid card method.

In addition, since the electronic money number is newly encrypted and updated every time the product is purchased, the electronic money number is transmitted to the wireless mobile terminal of the user.

In addition, since anyone can receive electronic money anytime, anywhere, if only a wireless mobile terminal provides the convenience and safety that can be freely used in the online / offline merchants.

In addition, if only the phone number of the other party's wireless mobile terminal designates its own electronic money transfer to the designated party, it is possible to transfer the value to the desired person in real time online.

On the other hand, the present invention is not limited only to the above-described embodiment, but can be modified and modified within the scope not departing from the gist of the present invention, the technical idea to which such modifications and variations are also applied to the claims Must see

Claims (26)

A first step of receiving data about an electronic money amount to be purchased input from an online data input means and a telephone number of a wireless mobile terminal of an electronic money receiver; A second step of confirming whether a payment corresponding to the received electronic money amount data is received; A third step of transmitting payment amount information to the wireless mobile terminal of the electronic money receiver according to the received telephone number data of the wireless mobile terminal as the payment is confirmed; And And a fourth process of making a purchase payment for the corresponding product based on the product price information provided by the online merchant and the payment amount information of the product buyer. The method of claim 1, The purchaser inputting the electronic money amount to be purchased and the electronic money recipient is the same person or different individual people purchase payment control method using a wireless mobile terminal. The method of claim 1, The payment amount information is a purchase payment control method using a wireless mobile terminal, characterized in that the number is a combination of predetermined numbers. The method of claim 3, wherein When receiving the telephone number of the wireless mobile terminal of the electronic money receiver from the data input means of the purchaser who input the electronic money to purchase, Check whether or not the payment corresponding to the electronic money amount to be purchased, When the payment is confirmed, it is checked whether or not the preset number of the combined number including the payment amount information for the electronic money receiver is included. If there is a preset combined number, the balance based on the combined number and the purchased electronic money amount are added, and the newly combined number is assigned to the added amount and transmitted to the wireless money terminal of the electronic money receiver. If there is no predetermined combination number, the purchase number control method using a wireless mobile terminal, characterized in that the first number assigned to the purchased electronic money amount to be transmitted to the wireless mobile terminal of the electronic money recipient. The method of claim 4, wherein And receiving the indication information wishing to register for use, which is input from the data input means of the electronic money recipient, which has been assigned the first combined number, and acknowledging the use of electronic money for the electronic money recipient. Purchase payment control method using a wireless mobile terminal. The method of claim 5, The intention information is a purchase payment control method using a wireless mobile terminal, characterized in that it includes an updateable password according to the use of electronic money. The method of claim 3, wherein When receiving information about any predetermined combined number inputted from the online connected data input means, the amount to be transferred, and the telephone number of the wireless money terminal of the electronic money receiver, If the amount to be transferred is a partial transfer, the partial amount to be transferred is subtracted from the balance based on the predetermined combined number, and the newly combined number is assigned to the deducted remaining amount to the wireless mobile terminal of some former person. Send, After checking whether there is a preset number with a combined number including payment amount amount information for the electronic money receiver, if there is a preset combined number, the balance based on the combined number and the partially transferred amount are added and then the added amount Give a newly combined number to and transmit it to the wireless mobile terminal of the electronic money receiver, If the electronic money recipient does not have a preset combined number, the purchase number control using the wireless mobile terminal is characterized in that the first combined number for the partially transferred amount is transmitted to the wireless money terminal of the electronic money receiver. Way. The method of claim 3, wherein When receiving information about any predetermined combined number inputted from the online connected data input means, the amount to be transferred, and the telephone number of the wireless money terminal of the electronic money receiver, If the amount to be transferred is all transferred, the presence or absence of a preset combined number for the electronic money receiver is checked, and if there is a predetermined combined number, the balance based on the combined number and the total amount transferred are added. The newly added number is added to the added amount and transmitted to the wireless money terminal of the electronic money receiver. If the electronic money recipient does not have a preset combined number, the first combined number is assigned to the total amount transferred and transmitted to the wireless money terminal of the electronic money receiver. Purchasing payment control method using a wireless mobile terminal, characterized in that for deleting the combined number preset to the person who has transferred all the electronic money. The method according to claim 7 or 8, And further comprising a step of receiving the intention information to be registered for use, which is input from the data input means of the electronic money recipient, which has been assigned the first combined number, and acknowledging the use of electronic money for the electronic money recipient. Purchase payment control method using a wireless mobile terminal. The method of claim 9, The intention information is a purchase payment control method using a wireless mobile terminal, characterized in that it includes an updateable password according to the use of electronic money. The method of claim 1, The third step, the purchase payment control method using a wireless mobile terminal, characterized in that when transmitting the information available for payment to the wireless mobile terminal of the electronic money recipient a short message for a predetermined guide text. The method of claim 1, And a step of notifying the purchase result of the electronic money to the wireless mobile terminal of the purchaser who has purchased the electronic money. The method of claim 1, In the fourth step, if the price of the product selected by the buyer exceeds the payable amount based on the payable amount information input online from the data input means, a non-payment reason message is sent to the selling server of the on-line product. A first step of transmitting; And And if the price of the product selected by the purchaser is less than the payable amount, transmitting the payable message to the selling server of the goods on-line. 2. A first step of receiving data about an electronic money amount to be purchased offline and a telephone number of a wireless mobile terminal of the electronic money receiver; A second step of confirming whether a payment corresponding to the received electronic money amount data is received; A third step of transmitting payment amount information to the wireless mobile terminal of the electronic money receiver according to the received telephone number data of the wireless mobile terminal as the payment is confirmed; And And a fourth process of making a purchase payment for a corresponding product based on product price information provided by an off-line merchant and the payment amount information of a product buyer. The method of claim 14, The purchaser inputting the electronic money amount to be purchased and the electronic money recipient is the same person or different individual people purchase payment control method using a wireless mobile terminal. The method of claim 14, The payment amount information is a purchase payment control method using a wireless mobile terminal, characterized in that the number is a combination of predetermined numbers. The method of claim 16, When the electronic money recipient's wireless mobile terminal telephone number is received from the purchaser who has entered the electronic money amount to be purchased, Check whether or not the payment corresponding to the electronic money amount to be purchased, When the payment is confirmed, it is checked whether or not the preset number of the combined number including the payment amount information for the electronic money receiver is included. If there is a preset combined number, the balance based on the combined number and the purchased electronic money amount are added, and the newly combined number is assigned to the added amount and transmitted to the wireless money terminal of the electronic money receiver. If there is no predetermined combination number, the purchase number control method using a wireless mobile terminal, characterized in that the first number assigned to the purchased electronic money amount to be transmitted to the wireless mobile terminal of the electronic money recipient. The method of claim 17, And further comprising a step of receiving the intention information to be registered for use, which is input from the data input means of the electronic money recipient, which has been assigned the first combined number, and acknowledging the use of electronic money for the electronic money recipient. Purchase payment control method using a wireless mobile terminal. The method of claim 18, The intention information is a purchase payment control method using a wireless mobile terminal, characterized in that it includes an updateable password according to the use of electronic money. The method of claim 16, In case of receiving information about any preset combined number inputted on the offline and amount to be transferred and the telephone number of the wireless money receiver of the electronic money receiver, If the amount to be transferred is a partial transfer, the partial amount to be transferred is subtracted from the balance based on the predetermined combined number, and the newly combined number is assigned to the deducted remaining amount to the wireless mobile terminal of some former person. Send, After checking whether there is a preset number with a combined number including payment amount amount information for the electronic money receiver, if there is a preset combined number, the balance based on the combined number and the partially transferred amount are added and then the added amount Give a newly combined number to and transmit it to the wireless mobile terminal of the electronic money receiver, If the electronic money recipient does not have a preset combined number, the purchase number control using the wireless mobile terminal is characterized in that the first combined number for the partially transferred amount is transmitted to the wireless money terminal of the electronic money receiver. Way. The method of claim 16, In case of receiving information about any preset combined number inputted on the offline and amount to be transferred and the telephone number of the wireless money receiver of the electronic money receiver, If the amount to be transferred is all transferred, the presence or absence of a preset combined number for the electronic money receiver is checked, and if there is a predetermined combined number, the balance based on the combined number and the total amount transferred are added. The newly added number is added to the added amount and transmitted to the wireless money terminal of the electronic money receiver. If the electronic money recipient does not have a preset combined number, the first combined number is assigned to the total amount transferred and transmitted to the wireless money terminal of the electronic money receiver. Purchasing payment control method using a wireless mobile terminal, characterized in that for deleting the combined number preset to the person who has transferred all the electronic money. The method of claim 20 or 21, And further comprising a step of receiving the intention information to be registered for use, which is input from the data input means of the electronic money recipient, which has been assigned the first combined number, and acknowledging the use of electronic money for the electronic money recipient. Purchase payment control method using a wireless mobile terminal. The method of claim 22, The intention display information is a purchase payment control method using a wireless mobile terminal, characterized in that it includes updateable password information according to the use of electronic money. The method of claim 14, The third step, the purchase payment control method using a wireless mobile terminal, characterized in that when transmitting the information available for payment to the wireless mobile terminal of the electronic money recipient a short message for a predetermined guide text. The method of claim 14, And a step of notifying the purchase result of the electronic money to the wireless mobile terminal of the purchaser who has purchased the electronic money. The method of claim 14, The fourth process may further include: transmitting a non-payment reason message to the seller terminal of the product offline when the price of the product selected by the buyer exceeds the payment amount based on the payment amount information input offline; Stage 1; And And a second step of transmitting, when the price of the product selected by the buyer is less than the payable amount, a payable message to a seller terminal of the product off-line.