KR200223995Y1 - User Certificate Agreement & Payment Agent System by Mobile Phone & Out Bound TeleBanking System - Google Patents

Abstract

The present invention is designed to make payments in general commerce by directly calling the consumer's cell phone from the bank using Out Bound Tele (phone) banking, rather than the transfer of the bank and financial institution's existing In Bound Tele (phone) banking. The present invention relates to a system that enables banks and financial institutions to provide bank transfer services for payment when a consumer is asked whether the account is transferred for payment and the user correctly inputs an appropriate account password and security card password.

According to the present invention, a customer who wants to purchase a product or a lottery ticket from general sales, mail order, or lottery operators by using the personal identification function of the mobile communication terminal is connected to the server of the inventor of the present invention with his mobile communication terminal. By checking the information content, customers can check the transaction content directly, and when paying the purchase price of the goods and lottery tickets, the outbound tele (phone) bank provided by the inventors to banks and financial institutions. By using ARS equipment, the bank directly calls the customer's mobile phone and checks the account password and security card password to transfer the payment to the operator's account, thereby providing a new means to the method of commerce payment. Activate sales and lottery business, and generally receive payments by credit card Given to the contractor much lower 1% of the fee by presenting a new methodology to collect payment only by reducing the revenue losses of operators than credit card fees ranging from 3-4% and aims to maximize profits.

Description

User Certificate Agreement & Payment Agent System by Mobile Phone & Outbound Bound TeleBanking System using Mobile Phones, Banks and Financial Institutions

The present invention is designed to solve the financial accidents and excessive sales-related fees incurred in the settlement of transaction charges by credit cards, which are emerging as problems in the existing commerce. By using the Out Bound Tele (phone) banking ARS equipment installed by the present inventors in banks and financial institutions, banks and financial institutions directly call customers to make payments by simply entering account password and security card password. The present invention relates to the construction of a system that enables user authentication by direct phone verification for direct account transfer.

Cash payments and payments made by credit card were used as a general method of transaction payment in commercial transactions. However, in the case of cash, it is inconvenient to carry the credit card. There was discomfort. In addition, in the case of a credit card, the card number and the effective date are read by a magnetic stripe reader so that payment can be made through the final authentication of the credit card company using the network of the telecommunication service provider. There is a drawback that the fee related to the sales that the service provider pays is excessive due to the excessive use of the cost during various networks.

In addition, the payment by bank transfer of the bank account is a time and space inconvenience because the customer must go directly to the bank window or ATM equipment, and the traditional bank transfer (telephone) banking is 60 customers If you enter a lot of numbers, such as your bank telephony phone number, your account number, password, transfer password, security card number, deposit amount, and account number where you deposit money, and all of these numbers are stolen, There was a weak point that one's own responsibility could not be avoided even when money went out of the account to another person's account, and the burden of the communication fee and the fee due to the transfer was burdened by the customer.

In the conventional commerce, payment methods other than cash payments have been made so far, such as payments by credit card, bank transfers between banks or ATM equipment, and account transfers by traditional telephony banking. Although the purpose was authentication, focusing on whether the passwords such as card number or account number were correct, but as of December 2000, the purpose of this invention was to focus on the dissemination of mobile communication terminals with 26 million subscribers. Banks and financial institutions that use the personal identification function of the buyer's mobile terminal, not the simple number verification, such as a password, to the operators who wish to pay the transaction by contract with the inventor and the mobile users who want to pay the transaction. Using out-bound telebanking equipment provided by the inventor Call with headphones ARS responds with a customer-account password, confirm such as security card password - receive check payments through the amount requested and the payment target is to build a system to enforce payment by bank transfer between Perugia.

Figure 1 shows the system (3) of the inventors of the agreement that the consumer owning the mobile terminal agrees to pay by outbound tele (phone) banking of banks and financial institutions as a means of payment of goods, services, lottery purchase In the case of signing up, the consumer checks the payment contents from the ARS equipment of the outbound tele (phone) banking system of the bank and the financial institution to the mobile terminal in the final confirmation phase of the settlement, An example shows how to make a payment by entering the correct account password and security card password.

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

A. General sales, mail order, manufacturing, distribution and lotto operators

B. Our Server

C. Customer / Mobile Phone (Mobile Communication Terminal)

D. Banks and Financial Institutions

<Explanation of symbols for the progress of the main parts of the drawing>

1. Connect to our server for order and payment request from customer's mobile phone

2. Send your mobile phone number and social security number, payment request price, and business code

3. Out-bound ARS equipment provided by the inventors in banks and financial institutions to ask the customer's mobile phone account password, security card password, etc.

4. If you enter your account password, security card password, etc. correctly

5. Notification of payment approval to the inventor's server

5-1. Payment by account transfer between subordinates

6. Payment confirmation confirmation

6-1. Payment confirmation confirmation and goods delivery instruction

6-2. Lotto Operator Ticketing Instruction

7. Print receipt to customer

7-1. Shipment Confirmation Notification

7-2. Ticketing Content Notification

** Step 7 is for when the customer requests receipt printing.

According to the present invention, a customer (C) who wants to purchase goods or a ticket from a company (A) who wants to receive payment according to the presenter's proposal, such as a general seller, a telecom seller, a manufacturing distributor, or a ticket company, If you want to receive the bank transfer service, when the customer accesses the inventor's server (B) with his mobile phone, the customer's mobile phone number is checked by the caller ID check function in the inventor's system (1). After confirming the social security number, customer's password, and bank to be paid internally, the customer enters the merchant code to be paid and the amount to be paid in numerical form. Banking and financial instruments by sending phone number, social security number, payment request (account transfer) amount, and affiliate code number (2) From the server for outbound tele (phone) banking of our inventors, we call the customer's mobile phone directly to Out Bound ARS (3) such as account password and security card password of the required deposit account that matches the customer's social security number. When the input is requested and the response (4) is correct, the bank transfer (D) is made in the bank and the server of the present inventor is notified (5) of the completed transfer. For large businesses, direct account transfers are made to accounts established by banks in the banks (5-1). In the case of small businesses, the 14 financial institutions of the inventors are subject to the terms and conditions of affiliates. The funds will be settled the next day after the payment is transferred to the institution's account.

The inventor notifies that the payment has been completed by notifying the payment details to the server, mobile phone, credit card inquiry terminal, and the dedicated pager provided by the inventor to the server for the payment authorization received from the bank and the financial institution (6 , 6-1, 6-2), and accordingly, each operator delivers the goods to the customer or instructs delivery, confirms the contents of the ticket release, and then sends a text message to the customer's mobile phone from the inventor's server (7-1, 7). -2) will be sent to inform the customer of the processing.

There have been three methods of payment in general commerce, such as cash payment, credit card payment, and traditional tele (phone) bank transfer.However, as the use of credit cards becomes more common, many people use credit cards. I prefer to pay.

As payments by credit cards become more common, many operators are dealing with the problem of a decline in revenue due to excessive credit card sales-related fees (3-4% of total sales) and actual payment periods of 3-10 days. It became hard.

On the other hand, consumers have a lot of trouble and anxiety that it is difficult to carry and carry large amounts of cash, and because they have to spend a lot of time and are inconvenient to use it to transfer money from banks or financial institutions or ATM equipment. I prefer to use cards.

As banks and financial institutions have been using credit cards, the amount of traditional cash flow has decreased, leading to the problem that account usage is not activated when the credit card is not a payment account.

According to the present invention, the operator pays a fee much less than the existing credit card sales fee (about 1%) to the present inventor, and the payment is made on the same day or the next day. This greatly increases.

Consumers will be able to benefit from the operator's profit structure, and from the practice of having to pay excessive financial interest until now.

In the case of banks and financial institutions, even in the case of bank transfers that do not charge a fee to consumers in the current system, it is possible to obtain an account transfer fee income of about 0.2% of the total transaction amount by consultation with the inventor. To reduce the number of customers who visit bank counters or use ATM equipment, it is possible to reduce the cost of maintaining a branch or additionally purchasing ATM equipment, and to activate a dormant account.

Carriers that play an important role in the inventor's design will be able to earn new revenues from the customers when they call our server to make payment requests or when the bank calls consumers to confirm payment requests. .

Most importantly, in the case of credit card payments or bank transfers, which imply that the user cannot be directly verified in all cases other than cash payment until now, personal identification of the mobile communication terminal, which is the most important element of the inventor's design. Based on this, the financial institution directly checks the confirmation phone of the payment by calling the consumer's mobile communication terminal, so the consumer can have confidence that the payment method is safer than any payment method.

This means that when a consumer requests payment of a payment, the registered password of the inventor should be dialed into the mobile communication terminal and correctly entered into the inventor's server, and when the bank and financial institution confirms the account transfer for the payment, again. Since the bank account and the security card password of the financial institution of your choice are correctly entered into the ARS equipment of the Outbound Tele (phone) banking from the bank and the financial institution to the mobile terminal, the account transfer for payment will proceed. With the loss or theft of a mobile communication terminal, the password for accessing the server of the inventor, the account password and the security card password of a financial institution are all physically secured and cannot be used by others unless they are stolen or leaked at the same time. All three elements of the foot at the same time The accident also has been limited to the purchase of goods and services will also not be limited to the participating companies of the Architects of payment (bank transfer), the traditional telemarketing (phone) banking, financial accidents will never happen so.

In addition, by applying the user authentication part of the present invention, it can be used as a 100% perfect complementary measure even in a large-scale financial transaction such as e-commerce by an existing credit card, online bank transfer or online securities transaction between banks. That is, even in the above case, if the user's authentication method is used in the final step, even if the user's PC or financial server's server is hacked, the user's mobile terminal, which is a tool for inputting the password in the final authentication step, is not available. For no use.

Claims (1)

The process of authenticating the user (1) by accessing the inventor's server to the general sales, mail order, and lotto operators using the personal identification function of the mobile communication terminal. With the request for payment as the data of the authentic authentication of the buying behavior, the payment request for the purchase price of the purchase price is sent to the bank and the financial institution as data (2), and the bank and the financial institution provide the buyer with the outbound ARS equipment provided by the present inventor. (3) Directly dial the mobile communication terminal of the customer to confirm that the customer entered the account password and security card password, etc. (4) to transfer the payment amount requested by the customer from the customer's account to the operator's account System that lets you.