KR20020093373A - Method and apparatus for providing a prepay bill service by using a portable telecommunication terminal - Google Patents

Abstract

PURPOSE: A system for an advance payment using a mobile communication terminal on an off-line and an on-line and a method for servicing the same are provided to solve a restriction of a payment and minimize an exposure of personal information. CONSTITUTION: Numeral data for authorizing a user created by a personal authorization number-creating server are transmitted to a mobile communication terminal. The numeral data are converted into a bar code and displayed on a display window of the mobile communication terminal. In addition, it is judged whether the displayed bar code is scanned by bar-code recognition CAT(Credit Authorization Terminal)(S400). If the bar code is completely scanned, the bar-code recognition CAT judges whether information of a selection article price or a purchase amount of money is inputted(S402). If the selection article price information is inputted completely, the bar-code recognition CAT transmits scanned advance payment bar-code information and input-completed selection article price information to an authorization server(S404). The recognition server processes a recognizing process(S406). If a user is approved(S408), the recognition server compares user balance information stored in a net cash server with information of purchase amount of money(S412). If the user balance is more than the information of purchase amount(S414), the recognition server transmits an advance payment confirmation message to the bar-code recognition CAT(S416). A transaction amount of money is subtracted from the user balance(S418).

Description

Prepaid payment system and service method using mobile communication terminal offline and online {METHOD AND APPARATUS FOR PROVIDING A PREPAY BILL SERVICE BY USING A PORTABLE TELECOMMUNICATION TERMINAL}

The present invention relates to a prepaid payment technology on the Internet, and more particularly, to a prepaid payment system and a service method thereof using a mobile communication terminal on offline and online.

In recent years, the act of purchasing goods through the Internet has been widely spread, and a prepaid payment method may be used as a payment method for purchasing such goods.

The prepaid payment method refers to a payment method in which data about a prepaid amount of a user is stored in a net cash server, and the balance is updated whenever a user requests a payment. In other words, the prepaid payment method refers to a method of inputting a social security number of a user on the Internet to perform a user authentication process, and then select and select paid content on the Internet, and then deduct the money from the balance.

However, this general prepaid payment method requires inputting important information such as the user's social security number on the Internet, which raises a problem that personal information may be exposed to others.

On the other hand, due to the recent development of mobile communication technology, various multimedia services such as Internet shopping, information retrieval, etc. are provided to the user, without being limited to the general functions of mobile communication such as wireless calls, short message transmission, and the like. have.

At this time, when performing a prepaid payment using such a mobile communication terminal, for example, limited to the online payment method using a desktop or a laptop, the payment method in offline, that is, the user directly visits the merchant to directly check the goods The question was raised that it can not be purchased.

Accordingly, the present invention has been made to solve the above-described problems, the object of the present invention is to transmit the numeric data for personal authentication capable of user authentication to a portable communication terminal capable of bar code conversion, the numeric data in the portable communication terminal Is converted into a prepaid payment barcode including user prepaid information and displayed on the terminal liquid crystal, and the displayed barcode is a barcode recognition credit authentication terminal (hereinafter abbreviated as barcode recognition CAT (Credit Authorization Terminal)), PC (Personal Computer) Prepaid payment system and service method using mobile communication terminal in offline and online to minimize the spatial constraints of payment and the leakage of personal information on the Internet by making payment of goods on offline / online by scanning through To provide.

According to an embodiment of the present invention for achieving the above object, a barcode communication is possible, the personal authentication number generation server for generating a personal authentication number for prepaid payment, a barcode capable of recognizing the barcode displayed on the portable communication terminal A prepaid payment service method using a mobile communication terminal offline in a prepaid payment system having a recognition CAT, an authentication server for determining whether or not generation of numerical data for personal authentication and payment is possible, and a net cache server storing user accumulated amount data. A personal authentication number generation server comprising: transmitting numerical data for personal authentication generated by a personal authentication number generation server to a portable communication terminal; Converting the transmitted numeric data for personal authentication into a barcode for prepaid payment; Displaying the converted barcode on the display window of the portable communication terminal; Determining whether the displayed barcode is scanned by the barcode recognition CAT, and determining whether the selected item price information is input to the barcode recognition CAT when scanning of the barcode is completed; When the input of the selected item price information is completed, the scanned barcode information and the inputted selected item price information are transmitted to the authentication server to perform an authentication process and determine whether payment is possible based on the credit information of the mobile communication terminal that requested the payment. Making a step; If the user approval is successful as a result of performing the authentication process, comparing the user accumulated amount stored in the net cache server with the selected item amount; Transmitting a prepaid payment confirmation message to a barcode recognition CAT and subtracting an item purchase amount from the user accumulated amount if the user accumulated amount stored in the net cache server is larger than the selected item amount; When the user's approval fails or the user's accumulated amount is less than the selected item as a result of performing the authentication process, an error message is transmitted to the barcode recognition CAT. Provide a method.

According to another embodiment for achieving the object of the present invention, a portable communication terminal capable of converting a barcode, a personal authentication number generation server for generating prepaid digital data, recognition of the barcode connected to the Internet network and displayed on the portable communication terminal Prepaid payment service method using a mobile communication terminal on-line of the prepaid payment system having a barcode recognition terminal capable of generating, a personal authentication number generation and payment possible authentication server, a net cache server storing the user's accumulated amount data A method for transmitting personal authentication numeric data generated by a personal authentication number generation server to a portable communication terminal, the method comprising: converting the transmitted personal authentication numeric data into a barcode; Displaying the converted barcode on the display window of the portable communication terminal; Displaying a payment screen interworking with a barcode settlement and authentication server when selecting an item in an internet shopping mall on a display window of a barcode recognition terminal; Determining whether the barcode displayed on the display window of the portable communication terminal is scanned by the barcode recognition terminal; Determining whether authentication data is input; When barcode scanning and authentication data input are completed, the input barcode information, authentication data, and selected item price information are transmitted to the authentication server to perform the authentication process, and the payment is made based on the credit information of the mobile communication terminal that requested the payment. Judging; If the user approval is successful as a result of performing the authentication process, comparing the user accumulated amount stored in the net cache server with the selected item amount; Transmitting a prepaid payment confirmation message to a barcode recognition terminal and an internet shopping mall and subtracting an item purchase amount from the user accumulated amount if the user accumulated amount stored in the net cache server is larger than the selected item amount; When the user's approval fails as a result of performing the authentication process or when the user's reserve amount is less than the selected item amount, transmitting an error message to the barcode recognition terminal and canceling the purchase process. It provides a prepaid payment service method using.

1 is a block diagram of a prepaid payment system using a mobile communication terminal offline according to an embodiment of the present invention;

2 is a block diagram of a prepaid payment system using a mobile communication terminal online according to another embodiment of the present invention;

3 is a flowchart of a process of receiving and converting barcode data for personal authentication for prepaid payment according to the present invention;

4 is a flowchart of a prepaid payment service process using a mobile communication terminal offline in the system of FIG. 1;

5 is a flow chart of a prepaid payment service process using a mobile communication terminal on-line performed in the system of FIG.

<Description of the code | symbol about the principal part of drawing>

100, 200: mobile communication terminal

102, 202: Wire / wireless communication network

104, 204: personal authentication number generation server

106, 206: Authentication server

108: barcode recognition CAT

110, 210: Subscriber Information DB

112, 212: Net Cache Server

208: Barcode Recognition PC

214: Internet Shopping Mall

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the present invention.

Prior to the description, the core technology of the present invention transmits the numeric data for personal authentication generated in the personal authentication number generation server to the portable communication terminal, which converts the numeric data into a barcode, and displays means, i.e., liquid crystal. After displaying the barcode for prepaid payment including the user prepaid information converted in the image and scanning it, and providing the goods payment service on-line and off-line based on the scanned information, from the implementation technology of the present invention It will be easy to achieve the purpose.

1 is a block diagram of a prepaid payment system using a mobile communication terminal offline according to an embodiment of the present invention, the mobile communication terminal 100, wired / wireless communication network 102, personal authentication number generation server 104 ), Authentication server 106, barcode recognition CAT 108, subscriber information DB 110, net cache server 112.

As shown, the portable communication terminal 100, when using a wireless communication network, voice connected to the wired / wireless communication network 102 through a mobile communication control means, that is, a base station, a mobile communication switching center (not shown), and the like. Refers to a wireless portable terminal with a built-in data communication function, and refers to a wireless portable terminal with a function for connecting to the Internet through a wired network when using a wired communication network. The terminal 100 has a picture display function, a wired / wireless internet connection and a browsing function, so that the bar code used in the present embodiment can be converted and displayed. That is, the portable communication terminal 100 may convert and display numeric data for personal authentication received from the personal authentication number generation server 104 into a barcode.

At this time, in the configuration of Figure 1, for convenience of description, but expressed as one terminal, it is possible to implement a plurality of terminals, this fact will be readily appreciated by those skilled in the art.

The personal authentication number generation server 104 performs a function of a wired / wireless Internet server, and generates personal authentication numeric data for prepaid payment that can be used in an authenticated mobile communication terminal in conjunction with an authentication server 106 to be described later. The generated numeric data is transmitted to the mobile communication terminal 100 through the wired / wireless communication network 102. In addition, the personal authentication number generation server 104 transmits the generated numeric data to the authentication server 106, and notifies the generation result in cooperation with an SMS server not shown.

The barcode recognition CAT 108 performs a function of recognizing a barcode displayed on the liquid crystal of the terminal 100, and user authentication data (eg, biometric data such as a password or fingerprint, iris, voice, etc.) is input. This input data is provided to the authentication server 106.

The authentication server 106 according to the present invention works in conjunction with the net cache server 112 and the personal authentication number generation server 104 to retrieve user credit information according to a user's terminal number, for example, a mobile identification number (MIN). It performs the function. That is, the authentication server 106 is provided with the subscriber information DB 110, and stores various types of information of the user, for example, MIN, credit information, authentication data, bar code information, and the like.

In addition, the authentication server 106 determines whether or not it is possible to generate numerical data for personal authentication for the personal data number request terminal in connection with the barcode recognition CAT 108 and the personal identification number generation server 104, and the result is personalized. It performs a function of notifying the authentication number generation server 104, and determines whether payment is possible based on the barcode received from the barcode recognition CAT 108, user authentication data, user credit information according to the payment amount, and the result The function of notifying the barcode recognition CAT 108 is performed. That is, the authentication server 106 compares the amount of data prepaid by the user stored in the net cache server 112 with the amount of data requested from the barcode recognition CAT 108 to determine whether prepaid payment is possible.

The net cache server 112 stores data on the amount paid in advance by the user, and performs a function of updating the balance whenever a payment request is requested from the user.

2 is a block diagram of a prepaid payment system using a mobile communication terminal online according to another embodiment of the present invention. The mobile communication terminal 200, the wired / wireless communication network 202, and the personal authentication number generation server 204 are illustrated in FIG. ), Authentication server 206, barcode recognition PC 208, subscriber information DB 210, net cache server 212, the Internet shopping mall 214.

First, the prepaid payment system on-line as shown in FIG. 2 is the same as the prepaid payment system on-line described in FIG. 1 except for the barcode recognition means, and thus descriptions of overlapping components will be omitted.

The barcode recognition PC 208 performs a function of recognizing a barcode displayed on the liquid crystal of the terminal 200 and is used as a means for inputting user authentication data, goods, and payment amount data. This input data is provided to the authentication server 206. At this time, such a barcode recognition PC 208, for example, has a structure in which a barcode scanner (not shown) is connected to a normal desktop, directly connected to the Internet shopping mall 214 to select the goods and pay the price As can be, the user can visit the affiliated store directly to eliminate the inconvenience of paying for the goods.

The authentication server 206 according to the present invention stores the user's terminal number, authentication data, barcode information, etc. in association with the subscriber information DB 210, and performs personal authentication in conjunction with the personal authentication number generation server 204 described above. The digital number data request terminal performs a function of determining whether or not generation of digital data for personal authentication is possible and notifying the result of the personal authentication number generation server 204.

In addition, the authentication server 206 is linked with the barcode recognition PC 208, personal authentication number generation server 204, the net cache server 212 and the Internet shopping mall 214, the barcode received from the barcode recognition PC 208 It determines whether payment is possible using the user authentication data and the payment amount, and notifies the barcode recognition PC 208 and the Internet shopping mall 210 of the result. That is, the authentication server 206 compares the amount of data prepaid by the user stored in the net cache server 212 with the amount of data requested from the barcode recognition CAT 208 to determine whether the prepaid payment is possible.

Hereinafter, the above-described configuration will be described in detail with reference to the flowcharts of FIGS. 3 to 5 attached to a prepaid payment service process using a mobile communication terminal offline and online according to a preferred embodiment of the present invention.

First, FIG. 3 is a view illustrating a process of transmitting the personal authentication number data generated by the personal authentication number generation server 204 to the portable communication terminal 200. The prepaid payment service in offline and online according to the present invention is performed. It is a process that must be premised in order to be provided.

As shown in FIG. 3, in step S300, after accessing the wireless Internet through the portable communication terminal 100, the process proceeds to step S302, where the user authentication data is transmitted from the terminal 100 to the personal authentication number generation server ( 104).

Subsequently, in step S304, the personal authentication number generation server 104 checks the terminal number or ID / PW, authentication data, and the available payment amount input from the mobile communication terminal 100, and when authentication is completed, step S306. In step S308, the numerical data for personal authentication is generated, and in step S308, the generated numerical data for personal authentication is transmitted to the mobile communication terminal 100.

In step S310 and step S312, the portable communication terminal 100 converts the numeric data for personal authentication into a barcode and displays the converted barcode through the display window of the portable communication terminal 100. That is, the mobile communication terminal 100, 200 applied to the present invention has a bar code conversion function, so that the received personal authentication numeric data can be converted into a corresponding bar code and displayed.

4 is a flowchart of a prepaid payment service process using a mobile communication terminal in an offline state performed by the system of FIG. 1.

First, the personal authentication number data generated by the personal authentication number generation server 104 is transmitted to the mobile communication terminal 100, and then converted into a bar code to display the display window of the mobile communication terminal (100) Omit) and determine whether the displayed barcode is scanned by the barcode recognition CAT 108 (S400).

When the scanning of the determination result of step S400 is completed, the barcode recognition CAT 108 proceeds to step S402 to determine whether the selected item price or purchase price information is input.

As a result of the determination in step S402, when the input of the selected item price information is completed, the barcode recognition CAT 108 proceeds to step S404 to check the prepaid barcode information scanned and inputted selected item price information by the authentication server 106. To send.

In step S406, the authentication server 106 performs an authentication process.

If the user approval is successful as a result of performing the authentication process (S408), the authentication server 106 proceeds to step S410 and the user balance information stored in the net cache server 112 and the item price requested from the barcode recognition CAT 108 The information is compared, and if the user balance information is greater than the item price information, the flow proceeds to step S412.

In step S412, the authentication server 106 transmits a prepaid payment confirmation message to the barcode recognition CAT 108.

Thereafter, the transaction amount is deducted from the user balance (S414).

On the other hand, if the user approval fails as a result of performing the above-described authentication process, or the user balance is less than the transaction amount (S416), the authentication server 106 proceeds to step S418 and transmits an error message to the barcode recognition CAT 108. do.

FIG. 5 is a flowchart of a prepaid payment service process using a mobile communication terminal online performed in the system of FIG. 2.

First, the present process transmits the numeric data for personal authentication generated by the personal authentication number generation server 204 to the portable communication terminal 200, converts the transmitted numeric data into a barcode, and then transfers the numeric data to the portable communication terminal 200. The display is assumed to be displayed through the display window.

In step S500, when the user accesses the Internet shopping mall 210 through the barcode recognition PC 208 and selects the article, the shopping mall 210 proceeds to step S502 and the authentication server 206 in the barcode recognition PC 208. Display the payment screen linked with).

When the display is completed, the flow advances to step S504 to determine whether the barcode displayed on the portable communication terminal 200 is scanned by the barcode recognition PC 208.

As a result of the determination in step S504, when scanning is completed, the process proceeds to step S506 to determine whether authentication data is input to the barcode recognition terminal 208.

When the input of the authentication data is completed, the barcode recognition terminal 208 proceeds to step S508 and transmits the scanned prepaid barcode information and input completed selected item price information to the authentication server 206 described above.

In operation S510, the authentication server 206 performs an authentication process. That is, it is determined whether payment is possible based on the credit information of the terminal requesting the payment.

If the user approval is successful as a result of performing the authentication process (S512), the authentication server 106 proceeds to step S514 and the user balance information stored in the net cache server 212 and the item price requested from the barcode recognition CAT 208 The information is compared, and if the user balance information is more than the item price information, the flow proceeds to step S516.

In step S516, the authentication server 206 transmits an item purchase confirmation message to the barcode recognition PC 208 and the Internet shopping mall 214.

Thereafter, the purchase amount of the goods requested by the user is charged to the user card price (S518).

On the other hand, if the user approval fails as a result of performing the above-described authentication process or the user balance is less than the transaction amount (S520), the authentication server 206 proceeds to step S522 and transmits an error message to the barcode recognition PC 208. And cancel the purchase process.

That is, the present invention implements the prepaid payment service technology on offline and online by displaying a barcode corresponding to the prepaid payment information on the portable communication terminal and scanning the displayed barcode.

As mentioned above, although this invention was concretely demonstrated based on the Example, this invention is not limited to this Example, Of course, various changes are possible within the range which does not deviate from the summary.

Therefore, the present invention can provide a more diverse and convenient prepaid payment service, which is not limited to online, but also minimizes the leakage of personal information on the Internet.

Claims (8)

A mobile communication terminal capable of downloading numerical data for personal authentication by accessing a wired / wireless internet, and converting the downloaded personal authentication numeric data into a prepaid payment barcode (bar-code) to be displayed externally; A personal authentication number generation server connected to the mobile communication terminal to generate predetermined numeric data that has been authenticated and transmitted to the mobile communication terminal; A barcode recognition credit authentication terminal capable of inputting user authentication data and recognizing a barcode displayed on the wireless portable communication terminal; A net cache server which stores data on the amount paid in advance by the user and updates the balance whenever a payment request is requested from the user; In connection with the personal authentication number generation server, it is determined whether the personal data for personal authentication can be generated for the personal authentication number data request terminal and notifies the personal authentication number generation server of the result, and provided from the barcode recognition credit authentication terminal. The user information according to the barcode recognition and the preset user credit information are compared, and the amount of data prepaid by the user stored in the net cache server and the amount data requested from the barcode recognition credit authentication terminal are compared to determine whether a prepaid payment is possible. A prepaid payment system using a portable communication terminal on-line, characterized in that the authentication server for determining and notifying the result of the barcode recognition credit authentication terminal. The method of claim 1, The user information and the predetermined user credit information is a mobile identification number (Mobile Identification Number) or ID / PW, authentication data, barcode and prepaid payment balance data, characterized in that the prepaid payment system using a mobile communication terminal on the offline. A wireless portable communication terminal capable of downloading numerical data for personal authentication by accessing a wired / wireless internet, and converting the downloaded personal authentication numeric data into a prepaid payment barcode to be displayed externally; A personal authentication number generation server connected to the mobile communication terminal to generate predetermined numeric data that has been authenticated and transmitted to the wireless mobile communication terminal; A barcode recognition terminal inputted with user authentication data and connected to an internet shopping mall through an internet network capable of recognizing a barcode displayed on the wireless portable communication terminal; A net cache server which stores data on the amount paid in advance by the user and updates the balance whenever a payment request is requested from the user; In connection with the personal authentication number generation server, it is determined whether the personal data for personal authentication can be generated for the personal authentication number data request terminal and notifies the personal authentication number generation server of the result, and provided from the barcode recognition credit authentication terminal. The user information according to the barcode recognition and the preset user credit information are compared, and the amount of data prepaid by the user stored in the net cache server and the amount data requested from the barcode recognition credit authentication terminal are compared to determine whether a prepaid payment is possible. A prepaid payment system using a mobile communication terminal on-line characterized in that it comprises a verification server for determining and notifying the barcode recognition credit authentication terminal and the result to the Internet shopping mall. The method of claim 3, wherein The user information and the predetermined user credit information is a terminal identification number or ID / PW, authentication data, barcode and prepaid payment balance data, characterized in that the prepaid payment system using a mobile communication terminal on-line. Personal authentication number generation server for generating personal authentication number data for prepaid payment, barcode recognition credit recognition terminal capable of recognizing barcode displayed on mobile communication terminal, authentication server for determining whether barcode can be generated and whether payment is possible, user accumulated amount In the prepaid payment service method using a mobile communication terminal in the offline of the prepaid payment system having a net cache server that stores data, Transmitting personal authentication number data for prepaid payment generated by the personal authentication number generation server to the portable communication terminal; Converting the transmitted numeric data into a barcode for prepaid payment; Displaying the converted barcode on the display window of the portable communication terminal; Determining whether the displayed barcode is scanned by the barcode recognition credit authentication terminal, and determining whether the selected item price information is input to the barcode recognition credit authentication terminal when scanning of the barcode is completed; When the input of the selected item price information is completed, the scanned barcode information and the inputted selected item price information are transmitted to the authentication server to perform an authentication process, and it is determined whether payment is possible based on the credit information of the mobile communication terminal requesting payment. Judging; Comparing the user accumulated amount and the selected item amount stored in the net cache server when the user approval is successful as a result of performing the authentication process; Transmitting a prepaid payment confirmation message to the barcode recognition credit authentication terminal and subtracting an item purchase amount from the user accumulation amount if the user accumulated amount stored in the net cache server is larger than the selected item amount; And transmitting an error message to the barcode recognition credit authentication terminal when the user approval fails as a result of performing the authentication process or when the user's accumulated amount is less than the selected item amount. Prepayment service method The method of claim 5, The numerical data transmission step for personal authentication, Determining whether a terminal identification number or ID / PW, user credit information, authentication data, and a payment amount are input from the portable communication terminal to the personal authentication number generation server; When the terminal identification number, user credit information, authentication data and payment amount are input, generating numerical data for personal authentication after undergoing a user verification process; And transmitting the generated personal authentication number data to the portable communication terminal. Personal authentication number generation server for generating numeric data for prepaid payment, a mobile communication terminal that converts the numeric data into a barcode and displays it externally, barcode recognition that is connected to the Internet network and can recognize the barcode displayed on the mobile communication terminal In the prepaid payment service method using a mobile communication terminal on-line of the prepaid payment system having a terminal, an authentication server for determining whether or not barcode generation and payment is possible, and a net cache server that stores the user accumulated amount data, Transmitting the personal authentication number data generated by the personal authentication number generation server to the portable communication terminal and converting the transmitted personal authentication number data into a prepaid payment barcode; Displaying the converted barcode on the display window of the portable communication terminal; Displaying a payment screen interworking with the authentication server on the barcode recognition terminal when selecting an item in an internet shopping mall; Determining whether the barcode displayed on the display window of the portable communication terminal is scanned by the barcode recognition terminal; As a result of the determination of the step, when scanning is completed, whether the payment is possible based on the credit information of the mobile communication terminal requesting the payment by transmitting the scanned barcode information and the input price of the selected selected item to the authentication server to perform an authentication process. Determining; Comparing the user accumulated amount and the selected item amount stored in the net cache server when the user approval is successful as a result of performing the authentication process; Transmitting a prepaid payment confirmation message to the barcode recognizing terminal and the internet shopping mall and subtracting an item purchase amount from the user accumulated amount if the user accumulated amount stored in the net cache server is larger than the selected item amount; When the user's approval fails as a result of performing the authentication process or when the user's reserve amount is less than the selected item amount, transmitting an error message to the barcode recognition terminal and canceling the purchase process. Prepaid payment service method using a mobile communication terminal. The method of claim 7, wherein The numerical data transmission step for personal authentication, Determining whether a terminal identification number, user credit information, authentication data, and a payment amount are input from the portable communication terminal to the personal authentication number generation server; When the terminal identification number, user credit information, authentication data and payment amount are input, generating numerical data for personal authentication after undergoing a user verification process; And transmitting the generated numerical data for personal authentication to the portable communication terminal.