KR20020076908A - method for credit card payment or clearing service using wireless network - Google Patents

Abstract

PURPOSE: A method for servicing a credit card payment using a wireless network is provided to increase a utilizing rate besides a telephone calling process, pursue diversification of a paying unit in accordance with an extension of a paying market, and perform the payment as an interactive mode. CONSTITUTION: When a client(20) requests the payment to a mobile communication company using a specific number, the first authentication server(22) combines client registration information and creates preliminary payment data. A P/G(Payment Gateway)(24) receives the preliminary payment data from the first authentication server(22), requests an approval to the second authentication server(26) in accordance with a credit card paying method, transmits approval details to a member store(28), and transmits payment details to the mobile communication company. If an approval request is generated from the first authentication server(22) and the P/G(24), the second authentication server(26) decides an approval or not.

Description

Method for credit card payment or clearing service using wireless network}

The present invention relates to a credit card payment service of a mobile communication terminal, and more particularly, to a credit card payment service method using a wireless network to increase utilization other than currency and to diversify payment methods according to the spread of a payment market.

1 is a block diagram of a general credit card payment service system. As shown in FIG. 1, when a customer 10 wants to pay for a service at an online merchant (a, b) or a real merchant (c, d), Present the card (online: personal information such as card number, expiration date, etc.), and the affiliated store (12) requests approval from the Value Added Network (VAN) or Payment Gateway (P / G) 14 through dialing or the Internet (e). Do it.

The VAN company or P / G 14 makes an authorization request (i) to the credit card company 16 at the request of the affiliated store 12 and uses the own or public network for approval of the credit card company 16. 12) to close the payment by sending the approval details.

In the related art, the mobile communication terminal can be used only as a calling function and it is difficult to use the payment means online.

Accordingly, the present invention has been made to solve the problems described above, and has an object of increasing the utilization other than currency, pursuing diversification of payment means according to the spread of the market and making payments interactively.

1 is a block diagram of a general credit card payment service system.

2 is a block diagram of a credit card payment service system applied to the present invention.

Figure 3 is a flow chart of the payment method at home shopping online applied to the present invention.

Figure 4 is a flow chart of a payment method at the time of normal credit online applied to the present invention.

5 is a flow chart of a payment method at the time of normal credit offline applied to the present invention.

6 is a flowchart of a payment method at the time of a credit failure in an online state applied to the present invention.

7 is a flowchart of a payment method at the time of a credit failure offline applied to the present invention.

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

10, 20, 30: Customer 12, 28, 34: Merchant (or home shopping company, shopping mall)

14, 24, 40: VAN or P / G

16, 24, 36: credit card company (or second authentication server)

22: first authentication server 32: mobile carrier

38: Supplier ㅣ

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

Online credit settlement method applied to the present invention,

When a customer enters a predetermined service code provided by a communication company and transmits order information for ordering a predetermined product, searching a database to determine whether the customer is authenticated, and if the customer is an authenticated customer, the customer Checking the inventory to the shopping mall where the product can be purchased by the telecommunication company according to the order information inputted; When the inventory is confirmed and the confirmation data is transmitted from the shopping mall to the communication company, the communication company generates approval preliminary data and transmits it to a payment gateway (P / G), and the P / G receiving the approval preliminary data is Inquiring the credit status of the customer by generating and transmitting the approval data to the credit information company; and if the credit status of the customer is normal, the credit information company transmits an approval message for authenticating the approval data to the P / G. And the P / G receiving the approval message transmits transaction details to the shopping mall and transmits the approval details to a communication company, and the communication service provider receiving the approval information transmits a confirmation message to a customer. The shopping mall that has received the transaction history transmits a feedback message to the P / G by checking the transaction history, and receives the approval history. The gentleman may include transmitting completed data to the P / G indicating that the transaction between the customer and the shopping mall is made.

The transmitting of the confirmation message and the transmitting of the completed data to the P / G may be performed at the same time.

The transmitting of the confirmation message may be performed by using a short message service (SMS).

If the credit status of the customer is abnormal, the credit information company transmits a rejection message not to authenticate the authorization data to the P / G, the P / G received the rejection message to the carrier according to the rejection message And transmitting the rejection history, and transmitting the rejection history to the customer that the transaction is not made.

Referring to the I-SMS (Interactive Short Messaging Service) method that is the background of the present invention.

SMS (Interactive Short Messaging Service) is a service that delivers short letters or numbers to PCS phones. It starts with the same calling service as a radio call.

That is, it is classified into a web, PC communication, a text message transmission service between a mobile terminal, a notification service for notifying that a new mail has been received by an email server, and a text information service for transmitting text information received from an information provider to a subscriber.

I-SMS is an advanced form of the one-way service of SMS, and provides subscribers with a form of asking and responding to the service interactively, rather than one-way reception, which is mainly used for information service.

In detail, the WAP (Wireless Application Protocol) method will be described as follows.

WAP is an application protocol defined for efficiently providing Internet services in wireless networks, and is used for providing information suitable for wireless networks and controlling wireless network services.

In order to apply WAP, HTML (Hyper Text Markup Language) for PC, pager, PDA (Personal Digital Assistant), WML (Wireless Markup Language) for mobile terminal such as mobile phone, or HDML (Handheld Device Markup Language) You need a WAP gateway to automatically convert

WML is very similar to HTML, but unlike HTML used to create TCP / IP-based web page documents, it is used to create pages that can be viewed in a WAP browser. In other words, WML is effectively used in WAP phones.

The present invention applies a service for interactive payment using the I-SMS method among the I-SMS method and the WAP method.

2 is a configuration diagram of a credit card payment service system applied to the present invention. As shown in the drawing, when a customer 20 requests a payment to a mobile carrier using a specific number, the customer preliminary data is generated by combining customer registration information. The first authentication server 22 and the preliminary payment data received from the first authentication server 22 to request the authorization to the second authentication server 26 according to the credit card payment method and the merchant ( A P / G 24 for transmitting the payment details to the mobile communication company, and a second authentication server for determining whether to approve when an approval request is received from the first authentication server 22 or the P / G 24. It consists of (26), the operation of which is described as follows.

First, a description will be given of the credit card payment method using the customer information of the mobile carrier itself.

In the payment service application of the mobile carrier customer 20, the user wants to use the credit card information registered with the mobile carrier in the general online / offline affiliate store 28 for charging his call, and the mobile carrier uses the registered information. I agree that

In the payment service registration, the mobile communication company operates its own security server separately to build a system separately from the CSBS (Customer Service & Billing System) to register the customer's information. In addition, the mobile communication company provides a specific number (eg, * 4949) system for the convenience of the customer (20). In addition, the mobile communication company to ask the affiliated certification authority to check the degree of failure of the customer 20 to increase the credit rating of registered customers.

In the online payment when using the payment service, the customer 20 requests a payment by inputting an affiliate store code, a purchase amount, etc. of an online affiliate store 28 such as an internet shopping mall by using a specific number given by a mobile communication company. In addition, the mobile communication company generates a preliminary payment data by combining the registration information of the customer according to the request of the customer 20 to the online P / G or the existing VAN company 24.

The P / G or VAN company 24 requests the approval according to the existing credit card payment flow, delivers the approved details to the affiliate store 28, and transmits the details to the mobile communication company.

In addition, the mobile communication company notifies the customer 20 applying for payment by using a general SMS, which acts as a receipt in consideration of the stability of the transaction online.

In the online payment when using the payment service, the customer 20 receives the service or purchases the goods from the general merchant 28, and indicates the payment intention using the mobile terminal, the merchant 28 presents its service code and the merchant code. do.

In this case, the customer 20 performs the service code, the merchant code and the payment amount according to the I-SMS method provided by the mobile communication company, and receives the result in the form of an SMS message to the customer terminal and the merchant terminal, the payment is completed. In addition, the final SMS message will ensure the receipt function and payment security.

Next, the credit card payment method through the customer registration of credit card companies are as follows.

In the payment service application of the mobile carrier customer 20, the user registers his payment information according to the homepage or a predetermined form of the credit card company 26 he wants to use and wants to use it in a general online / offline affiliate store 28. In this case, the user agrees to pay the registered information using the mobile communication company's network.

In the payment service registration, the credit card company 26 registers the information of the customers 20 by operating an operation server that is secured itself. In addition, a specific number (eg, * 4949) system is prepared for the convenience of the customer 20 from the mobile communication company. In addition, by confirming the degree of failure of the customer 20 by requesting the affiliated certification authority to increase the credit rating of registered customers.

In using the payment service, online / offline payment has the same flow as targeting the mobile communication customer 20.

As described above, the present invention can promote the diversification of the payment method by activating electronic commerce and popularizing the mobile communication terminal, but most of them use the mobile communication terminal but limitedly. By using this, complementary services are possible between participating entities (mobile telecommunication company, credit card company, P / G or VAN company, customer), not any one-sided service.

3 is a flowchart of a payment method for home shopping online applied to the present invention. As shown in FIG. 3, when the customer 30 enters a service code into the mobile communication company 32, the mobile communication company 32 stores the customer DB. Search for (s10, s11).

When the customer 30 inputs the order information as the mobile communication company 32 transmits a search result to the customer 30, the mobile communication company 32 requests a stock confirmation to the home shopping company 34. (s12, s13 )

When the home shopping company 34 checks the stock and transmits the confirmation data to the mobile communication company 32, the mobile communication company 32 generates the approval data and authorizes the credit card company 36 via the P / G or VAN. Request (s14, s15)

When the credit card company 36 checks the approval data and transmits an approval message to the mobile communication company 32, the mobile communication company 36 transmits an approval confirmation message to the customer 30 (s16, s17).

Thereafter, the customer 30 confirms the confirmation message and transmits the order status message to the mobile communication company 32. The mobile communication company 32 generates the confirmation or rejection data and transmits the data to the home shopping company 34. s18, s19)

After receiving the confirmation or rejection data, the home shopping company 34 transmits a delivery confirmation message to the customer 30 and instructs the supplier 38 to place an order / delivery. (S20, s21).

FIG. 4 is a flowchart of a normal credit payment method applied to the present invention. As shown in FIG. 4, when the customer 30 enters a service code, the mobile communication company 32 searches for the customer DB. s30, s31)

As the mobile communication company 32 transmits a search result to the customer 30, when the customer 30 inputs the order information, the mobile communication company 32 requests the inventory confirmation to the shopping mall 34. (S32, s33)

When the shopping mall 34 checks the stock and transmits the confirmation data to the mobile communication company 32, the mobile communication company 32 generates the preliminary approval data and transmits the data to the P / G 40. (s34, s35) )

When the P / G 40 confirms the transmission of the preliminary preliminary data and generates the approval data and requests approval from the credit card company 36, the P / G 40 checks the approval data and transmits the approval message to the P / G 40. (s36, s37)

In response to the approved message, the P / G 40 transmits the transaction history to the shopping mall 34 and simultaneously transmits the approval history to the mobile communication company 32, and the shopping mall 34 checks the transmitted transaction history and then P / G (40) sends a confirmation message (s38, s39, s40)

When the mobile communication company 32 confirms the transmitted approval history and transmits a confirmation message to the customer 30, the customer 30 checks the approval history and then transmits a confirmation message to the mobile communication company 32. s42)

After receiving the confirmation message from the mobile communication company 32, it generates confirmation data and transmits the generated data to the P / G 40 (s43).

5 is a flowchart of a normal credit payment method applied to the present invention, when the customer 30 enters the service code to the mobile carrier 32 as shown in the mobile carrier 32 is a customer DB Search for (s50, s51)

As the mobile carrier 32 transmits the search result to the customer 30, when the customer 30 inputs the order information, the mobile carrier 32 generates the preliminary approval data and then sends the preliminary approval data to the VAN company 40. Transmit (s52, s53)

After receiving the preliminary data from the VAN company 40 to generate the approval data, the credit card company 36 requests the approval to the credit card company 36 checks the approval request message and then sends the approval message to the VAN company 40. Is sent to (s54, s55).

When the VAN company 40 transmits the approval details to the mobile communication company 32 by the approved message, the mobile communication company 32 transmits the transaction history to the affiliate store 34, and the affiliate store 34 transmits the transaction details. After confirmation, the mobile station 32 transmits a confirmation message. (S56, s57, s58).

The mobile telecommunication company 32 transmits a confirmation message to the customer 30 at the same time as sending a confirmation message to the VAN company 40 after confirming the transmitted transaction history (s59, s60).

After confirming the confirmation message sent by the customer 30, the confirmation message is transmitted to the mobile communication company 32, and the confirmation confirmation message transmitted by the mobile communication company 32 is generated and confirmed by the VAN company 40 by generating confirmation data. Simultaneously with the data transmission, a confirmation message is sent to the affiliated store (s61, s62, s63).

FIG. 6 is a flowchart illustrating a payment method in case of a credit failure online applied to the present invention. As shown in FIG. 6, when the customer 30 enters a service code, the mobile communication company 32 searches for the customer DB. , s71)

As the mobile communication company 32 transmits a search result to the customer 30, when the customer 30 inputs the order information, the mobile communication company 32 requests a stock confirmation to the shopping mall 34 (S72, S73).

When the shopping mall 34 checks the stock and transmits the confirmation data to the mobile telecommunication company 32, the mobile telecommunication company 32 generates the preliminary approval data and transmits the data to the P / G 40. (s74, s75) )

When the P / G 40 confirms the transmission of the preliminary preliminary data and generates the approval data and requests approval from the credit card company 36, the P / G 40 checks the approval data and transmits a rejection message to the P / G 40. (s76, s77)

When the P / G 40 transmits the rejection history to the mobile communication company 32 by the rejected message, the mobile communication company 32 transmits a rejection confirmation message to the customer 30. (s78, s79)

After the customer 30 confirms the rejection confirmation message and transmits the confirmation message to the mobile communication company 32, the mobile communication company 32 generates the confirmation data and then transmits the confirmation data to the P / G 40. (s80, s81)

7 is a flowchart of a payment method in the case of a credit failure in the offline state applied to the present invention, and when the customer 30 enters the service code to the mobile communication company 32 as shown in FIG. Search for (s90, s91)

As the mobile carrier 32 transmits the search result to the customer 30, when the customer 30 inputs the order information, the mobile carrier 32 generates the preliminary approval data and then sends the preliminary approval data to the VAN company 40. (S92, s93)

After receiving the preliminary data from the VAN company 40 to generate the approval data, the credit card company 36 requests the approval to the credit card company 36 checks the approval request message and then sends the approval message to the VAN company 40. Is sent to (s94, s95).

When the VAN company 40 transmits the approval details to the mobile communication company 32 by the approved message, the mobile communication company 32 transmits the transaction history to the affiliate store 34, and the affiliate store 34 transmits the transaction details. After confirmation, the mobile station 32 transmits a confirmation message. (S96, s97, s98)

The mobile telecommunication company 32 checks the transaction history transmitted and then transmits a transaction confirmation message to the customer 30 (s99).

After the customer 30 confirms the transmitted confirmation message and transmits the rejection message to the mobile communication company 32, the mobile communication company 32 receives the rejection message transmitted and generates rejection data to the VAN company 40 to reject data. Transmits (s100, s101)

When the VAN company 40 receives the rejected data transmitted and requests the transaction cancellation to the credit card company 36, the credit card company 36 checks whether the transaction is canceled and transmits a confirmation message to the VAN company 40. (s102) , s103)

When the VAN company 40 confirms the confirmation message sent and then transmits the transaction cancellation confirmation to the mobile communication company 32, the mobile communication company 32 transmits the cancellation history to the affiliated store 34 and simultaneously cancels the customer 30. Send a message (s104, s105, s106)

Therefore, in the present invention, a credit card number, an expiration date, etc., which are selectively registered by a customer for call billing, or a credit card number, an expiration date, etc., registered through a separate registration procedure with a credit card company, must be input at every transaction. It eliminates the procedure of using a mobile communication terminal, which is a universally owned mobile communication service, and provides an interactive payment service using an I-SMS method.

As described above, according to the present invention, it is possible to reduce the dependence on the revenue of the call charges by increasing the utilization other than the currency, and to diversify the payment means according to the spread of the existing payment market.

In addition, the present invention has the advantage that there is no action taken by the customer other than the operation of inputting payment-related information and confirming after the final approval, and personal information is not exposed.

Claims (4)

If the customer enters a predetermined service code provided by the carrier and transmits the order information for ordering a predetermined product, searching the database to determine whether the customer is authenticated, If the customer is an authenticated customer, checking the inventory to a shopping mall in which the communication company can purchase the product according to the order information input by the customer. When the stock is confirmed and the confirmation data is transmitted from the shopping mall to the telecommunication company, the telecommunication company generates approval preliminary data and transmits it to a payment gateway (P / G), P / G receiving the approval preliminary data to generate the approval data sent to the credit information company to inquire the credit status of the customer, If the credit status of the customer is normal, the credit information company transmitting an approval message for authenticating the approval data to the P / G; The P / G receiving the approval message transmits the transaction details to the shopping mall and transmits the approval details to the communication company. The communication company receiving the approval details transmits a confirmation message to the customer, The shopping mall receiving the transaction history, transmitting the feedback message to the P / G by checking the transaction history; The telecommunication company receiving the approval details comprises the step of transmitting to the P / G complete data indicating that the transaction between the customer and the shopping mall is made online credit settlement method. The method of claim 1, wherein transmitting the confirmation message and transmitting the completed data to the P / G are performed at the same time. The method of claim 1, wherein the transmitting of the confirmation message is performed by using a short message service (SMS). The method of claim 1, wherein if the credit status of the customer is abnormal, the credit information company transmits a rejection message not to authenticate the approval data to the P / G. P / G receiving the rejection message transmits the rejection history according to the rejection message to the communication company, The carrier receiving the rejection history is an online credit transaction settlement method comprising the step of transmitting to the customer that the transaction is not made.