KR20030012149A - System for settling bill electrically using a potable terminal enable short distance wireless communication and method thereof - Google Patents

Abstract

PURPOSE: A system for settling bill electrically using a potable terminal enable short distance wireless communication and a method thereof are provided to simply buy a desired article with credit by a simple operation pressing a key for transmitting the personal credit card information on the portable terminal. CONSTITUTION: The portable terminal(10) stores the personal credit card information, requests a card payment by transmitting the credit card information through the local area wireless communication network, and receives a price payment result. A charge payment terminal(12) requests the card payment approval by transmitting the credit card information and the payment price to a certification server(14) through the PSTN(Public Switched Telephone Network), processes the price according to the payment approval and transmits a processing result to the portable terminal(10). The portable terminal(10) includes a selection key to vary the strength of a transmission signal according to a distance from the charge payment terminal(12).

Description

Electronic bill payment system using a portable terminal capable of short-range wireless communication and method thereof {System for settling bill electrical using a potable terminal enable short distance wireless communication and method

The present invention relates to an electronic bill payment system, and more particularly, to a system and method for electronic bill payment by storing personal credit card information in a portable terminal capable of short-range wireless communication and using the portable terminal instead of a credit card.

In recent years, as the penetration rate of mobile phones increases, technologies for storing personal credit card information in mobile phones and using payments for mobile phones have been developed. For example, a mobile phone may be equipped with an infrared (IrDA) module to make a payment using a mobile phone using infrared straightness. However, in the case of payment payment using infrared rays, there is a problem in that security is weak due to simple password input, and infrastructure costs are high.

In addition, the mobile phone is equipped with a fingerprint recognition module to check the identity of the person, and payments to the mobile phone via the RF signal containing personal credit card information. In this case, security through fingerprint recognition is strong, but there is a problem in that the cost of installing a mobile phone and infrastructure infrastructure of fingerprint recognition technology is high.

The first technical problem to be achieved by the present invention is to provide an electronic bill payment system using a portable terminal capable of short-range wireless communication.

The second technical problem to be achieved by the present invention is to provide an electronic bill payment method performed in the electronic bill payment system.

A third technical problem to be achieved by the present invention is to provide a recording medium in which the electronic bill payment method is recorded with a program code executable on a computer.

A fourth technical problem to be achieved by the present invention is to provide a mobile terminal for performing payment settlement on behalf of a credit card through short-range communication.

The fifth technical problem to be achieved by the present invention is to provide a billing terminal for performing the requested billing processing through a local area network.

1 is a block diagram schematically showing an embodiment of an electronic bill payment system using a portable terminal capable of short-range wireless communication according to the present invention.

2 is a flowchart illustrating an embodiment of a bill payment processing method using a mobile terminal performed in the system illustrated in FIG. 1.

3 is a block diagram schematically showing another embodiment of an electronic bill payment system using a portable terminal capable of short-range wireless communication according to the present invention.

Figure 4 is a block diagram schematically showing another embodiment of an electronic bill payment system using a portable terminal capable of short-range wireless communication according to the present invention.

In order to achieve the first object, when the personal credit card information and payment amount is transmitted through the public telephone network, the present invention includes an authentication server for requesting payment approval by transmitting the transmitted personal credit card information and payment amount to the card company server. The electronic payment system according to the present invention stores personal credit card information, transmits personal credit card information through a local area network, requests a card payment, and receives a result of processing a short distance through a mobile terminal and a local area network. Sending a personal credit card information and payment amount from the mobile terminal to the authentication server through the public telephone network to request card payment approval, processing the amount according to the payment approval and sending the processing result to the mobile terminal Include.

In order to achieve the first task, the electronic bill payment system according to the present invention includes a card company server for determining whether to approve the card payment by checking the personal credit card information when the personal credit card information and payment amount are transmitted. It stores the personal credit card information through the local area network, requesting card payments, the mobile terminal capable of short-range communication to receive the result of the processing amount and the personal credit card information and payment transmitted from the mobile terminal through the local area network Approves the card payment approval by sending the amount through the public telephone network, approves the card payment terminal for processing the amount according to the payment approval and sending the processing result to the mobile terminal, and the card payment requested from the fee payment terminal for a predetermined period. , The card company records the approved billing history for a certain period of time. It includes an unauthorized payment terminal to send a batch to the server requesting approval.

In order to achieve the first task, the electronic bill payment system according to the present invention includes a certificate server for determining whether or not to approve payment by viewing the personal credit card information when the personal credit card information is transmitted, and stores the personal credit card information. By transmitting the personal credit card information through the local area network in response to external control and the local area network, the personal credit card information and payment amount transmitted from the mobile terminal through the local area network are transmitted to the authentication server through the Internet network. It includes a user computer for requesting card payment approval, processing card payment according to the payment approval, and transmitting the processing result to the mobile terminal.

In order to achieve the second task, a mobile terminal capable of short-range communication and storing personal credit card information, a short-term communication with the mobile terminal, and a fee payment terminal unit for obtaining card payment approval from the authentication server through communication with the authentication server In the electronic bill payment system, the electronic payment method according to the present invention (a) requesting the card payment by transmitting the personal credit card information stored in the portable terminal to the bill payment terminal via a local area network, the bill payment terminal unit Step (b) of requesting card payment approval by transmitting credit card information and payment amount transmitted from the mobile terminal to the authentication server and the payment terminal is processing the card payment when the card payment approval is made from the authentication server, and the processing result is processed. Step (c) is sent to the mobile terminal.

In order to achieve the second task, a short-term communication capable of short-range communication and storing personal credit card information, a short-term communication with the portable terminal, requesting payment of the card payment terminal and authentication of the card company server for a predetermined period In an electronic bill payment system including an unauthorized payment terminal for authenticating card payment of a bill payment terminal without a credit card, the electronic payment method according to the present invention transmits personal credit card information stored in a portable terminal to a bill payment terminal through a local area network. (A) requesting the card payment, the billing payment terminal unit transmits the credit card information and the payment amount transmitted from the mobile terminal to the unauthorized payment terminal unit (b) requesting approval of the card payment, the unauthorized payment terminal unit Authenticate the card payment authorization requested from the billing terminal for a certain period and save the authentication history. In step (c), the fee payment terminal unit performs card payment processing when the card payment is approved from the unauthorized payment terminal unit, and transmits the processing result to the mobile terminal (d) and after a predetermined period, step (c) In step (e) is made by sending the stored authentication history to the card company server to request payment approval.

In order to achieve the second task, a portable terminal capable of short-range communication and storing personal credit card information, and a user computer performing short-range communication with the portable terminal and obtaining card payment approval from the authentication server through communication with the authentication server In the electronic bill payment system, the electronic payment method according to the present invention comprises the step (a) of transmitting the personal credit card information stored in the portable terminal to the user computer through a local area network, the user computer is transferred credit card information and payment amount (B) requesting card payment approval while transmitting the data to the authentication server through a communication network, and the user computer performs card payment processing for the payment amount when the card payment approval is made from the authentication server, and stores the payment processing history (c). Step).

In order to achieve the third task, a mobile terminal capable of short-range communication and storing personal credit card information, and a user computer performing short-range communication with the mobile terminal and obtaining card payment approval from the authentication server through communication with the authentication server In the electronic bill payment system, the recording medium recording the electronic bill payment program according to the present invention is the (a) step of transmitting the personal credit card information stored in the portable terminal to the user computer via a local area network, the user computer is transferred credit Step (b) of requesting card payment approval while the card information and payment amount are transmitted to the authentication server through a communication network, and the user computer performs card payment processing on the payment amount when the card payment approval is made from the authentication server, and the payment processing history (C) storing the step.

In order to achieve the fourth task, a portable terminal according to the present invention for performing card payment through short-range communication with a charge payment terminal capable of short-range communication, a personal credit card by a storage unit for storing personal credit card information and external control It includes a short-range communication unit for retrieving the card information by sending the information to the payment terminal, and stores the card payment history in the storage unit.

In order to achieve the fifth task, the electronic bill payment terminal according to the present invention performs short-range communication with a portable terminal storing personal credit card information, and processes the card payment according to the card payment approval result in the authentication server. Receives personal credit card information transmitted through the local area network from the terminal, requests the approval of the card payment by transmitting the personal credit card information received from the local area communication unit and the local area communication unit that transmits the card payment processing result to the mobile terminal. When the card payment is authenticated from the authentication server, the card payment processing is performed and the processing result is transmitted to the local area communication unit.

Hereinafter, an electronic fare payment system and a method using a portable terminal capable of short-range wireless communication according to the present invention will be described with reference to the accompanying drawings.

1 is a block diagram schematically showing an embodiment of an electronic bill payment system using a portable terminal capable of short-range wireless communication according to the present invention. Referring to FIG. 1, the electronic bill payment system according to the present invention includes a portable terminal 10, a bill payment terminal 12, an authentication server 14, and a card company server 16.

Referring to FIG. 1, the portable terminal 10 and the bill payment terminal 12 may perform short-range communication with each other. For example, the portable terminal 10 and the payment terminal 12 have a built-in Bluetooth chip for performing short-range communication, and the short-range communication is performed through the built-in Bluetooth chip. Here, Bluetooth is a world standard for wireless data transmission technology. It uses data through a wireless link (Radio Link, 2.4GHz ISM Unlicensed Band) between various communication devices in a PAN (Personal Area Network) and a home, office, conference room, etc. within a 10m radius. , The transmission and reception of voice and video is possible.

The portable terminal 10 stores personal credit card information. Here, the personal credit card information is information including a credit card number, the expiration date of use, a card issue date, and the like. The user may make a payment settlement in place of the credit card to the mobile terminal 10 when visiting the store. That is, one of the plurality of keys provided in the mobile terminal 10 is assigned as a key for credit purchase, and the user presses the assigned key to pay the fee through a local area network based on personal credit card information stored in the mobile terminal 10. Transfer to the terminal 12. Preferably, the portable terminal 10 includes a storage unit 10a and a near field communication unit 10b.

The personal credit card information is stored in the storage unit 10a, and a credit purchase history using the mobile terminal 10 may be stored together.

The local area communication unit 10b withdraws the personal credit card information stored in the storage unit 10a in response to external control and transmits it to the fee payment terminal 12 to request payment. When the payment settlement process is completed in the payment settlement terminal 12, the payment settlement processing result is received from the payment settlement terminal 12 and stored in the storage unit 10a.

When the card payment is requested from the portable terminal 10 through the local area network, the fee payment terminal 12 transmits the personal credit card information and the payment amount to the authentication server 14 through the public telephone network and requests the card payment approval. When the card payment is approved by the authentication server 14, the bill payment terminal 12 performs the card payment processing and transmits the processing result to the portable terminal 10. Preferably, the bill payment terminal 12 is configured to include a near field communication unit 12a and a bill payment unit 12c, and may further include a storage unit 12b.

The local area communication unit 12a receives the credit card information from the mobile terminal 10 through the local area network, and transmits the bill payment result to the mobile terminal 10.

The bill payment unit 12c transmits the credit card information received from the local area communication unit 12a and the payment amount input from the outside to the authentication server 14, and requests the card payment approval. Is transmitted to the local area communication unit 12a.

And, the billing history made in the billing terminal 12 is stored in the storage unit 12b.

The authentication server 14 transmits the credit card information and the payment amount from the paying terminal 12 through the public telephone network, and when the card payment approval is requested, requests the card authentication to the corresponding card company server 16, and pays the authentication fee. Transfer to the terminal 12.

On the other hand, the signal transmitted from the mobile terminal 10 to the billing terminal 12 may be adjusted in accordance with the distance to the billing terminal 12 or the location of the signal. That is, the efficiency can be increased by estimating the distance between the portable terminal 10 and the bill payment terminal 12 according to the use place, and optimizing the output signal size of the portable terminal 10 according to the distance. For example, the mobile terminal 10 outputs a signal having a transmission distance of 0.5 m or less to a department store having a large number of payment terminals, thereby increasing the selectivity of the payment terminal to process the payment. In addition, since there is a distance of about 4 to 5 m from the driver's seat to the payment terminal 12 at the gas station, the portable terminal 10 selectively outputs a signal having a transmission distance of 4 to 5 m, and at the toll gate, the payment terminal ( Since there is a distance of about 10 to 15 m up to 12), the mobile terminal 10 may selectively output a signal having a transmission distance of 10 to 15 m. In this way, efficient short-range communication can be performed by adjusting the level of the output signal of the portable terminal 10 in accordance with the intended use.

2 is a flowchart illustrating an embodiment of a bill payment processing method using a portable terminal performed in the system shown in FIG. 1.

Referring to FIGS. 1 and 2, when a user makes a credit purchase, the user transmits personal credit card information stored in the portable terminal 10 to the bill payment terminal 12 through the local area network to request bill payment. Step 30).

When the credit card information is received from the mobile terminal 10, the fee payment terminal 12 transmits the received personal credit card information and the payment amount to the authentication server 14 through the public telephone network to request the card payment approval. Step 36). The authentication server 14 transmits the received personal credit card information and the payment amount to the card company server to request payment approval, and transmits the approval to the fee payment terminal 12 (step 38).

When the card payment is approved by the authentication server 14, the fee payment terminal 12 processes the fee and transmits the processing result to the mobile terminal 10 through the local area network (step 42). In this case, the bill payment terminal 12 may transmit the amount to be processed to the portable terminal 10 before the fee is processed so that the user can confirm the processing amount finally. The user may check the screen of the mobile terminal 10 to check the payment amount and the processing result thereof.

As described above, a user who wants to purchase a credit simply stores the credit card information in a portable terminal capable of short-range communication, and transmits the personal credit card information stored in the short-range communication network to the charge processing terminal, thereby simplifying the credit purchase process of the desired item. can do. In addition, the goods seller may also receive personal credit card information through short-range communication to make a card payment and transmit the processing result to the mobile terminal. Therefore, it is not necessary to take the credit card from the user, recognize it to the charge processing terminal, and print the processing result.

3 is a block diagram schematically showing another embodiment of an electronic bill payment system using a portable terminal capable of short-range wireless communication according to the present invention. Referring to FIG. 3, the electronic bill payment system according to the present invention includes a portable terminal 10, a bill payment terminal 12, an unauthorized authentication terminal 24, and a card company server 26.

Since the configuration and operation of the portable terminal 20 and the bill payment terminal 22 illustrated in FIG. 3 are the same as those of the portable terminal 10 and the bill payment terminal 12 illustrated in FIG. 1, detailed descriptions thereof will be omitted.

The unauthorized authentication terminal unit 24 authenticates the card payment approval requested from the bill payment terminal 22 for a predetermined period without approval of the card company server 26, and stores the bill payment history approved for a predetermined period. After the period, the card company server 24 transmits the package to request card approval. As such, it is possible to reduce the time required for the card payment approval by the self-authorization without approval of the card company server 26 for each case. Such unauthorized payment is preferably applied at the time of payment of a small amount.

Figure 4 is a block diagram schematically showing another embodiment of an electronic bill payment system using a portable terminal capable of short-range wireless communication according to the present invention. Referring to FIG. 4, the electronic fare payment system according to the present invention includes a mobile terminal 50, a user computer 58, an internet network 60, and an authentication server 54. 4 shows a card company server 56 together.

Referring to FIG. 4, although not shown, a user may access a shopping mall server using a user computer 58 to purchase a desired item. When using a credit card to purchase goods, the shopping mall server requests a credit card number. At this time, the user transmits the personal credit card information including the credit card number to the user computer 58 by using the mobile terminal 50 storing the personal credit card information. The user computer 58 receives the personal credit card information from the portable terminal 50 and transmits the received credit card information and the payment information to the authentication server 54 through the Internet network 60. The authentication server 54 transmits the personal credit card information and the payment amount received from the user computer 58 to the card company server 56 to request card authentication, and when the card is authenticated, performs the card payment processing and returns the result to the user computer ( 58). The user can confirm the result of the amount processing through the user computer 58.

As such, when a user purchases an item using credit card information online, the user can input the credit card information by simply pressing a key assigned to transmit personal credit card information on the mobile terminal without having to enter the card number. Can be sent to.

The invention can also be embodied as computer readable code on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, which are also implemented in the form of carrier waves (for example, transmission over the Internet). It also includes. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

The best embodiments have been disclosed in the drawings and specification above. Although specific terms have been used herein, they are used only for the purpose of describing the present invention and are not used to limit the scope of the present invention as defined in the meaning or claims. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible from this. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

As described above, according to the present invention and an electronic bill payment system using a portable terminal capable of short-range wireless communication according to the present invention, a user simply presses a key assigned to transmit personal credit card information on the portable terminal, thereby simplifying You can buy credit.

Claims (14)

In the electronic payment system including an authentication server for requesting payment authorization by transmitting the personal credit card information and payment amount to the card company server when the personal credit card information and payment amount is transmitted through the public telephone network, A mobile terminal which stores the personal credit card information and which is capable of short-range communication for transmitting the personal credit card information through a local area network to request a card payment and receiving a result of the amount processing; And Sending the personal credit card information and the payment amount transmitted from the mobile terminal through the local area network to the authentication server through the public telephone network, requesting card payment approval, processing the amount according to whether the payment is approved, and processing the result. Electronic billing system comprising a billing terminal for transmitting to the portable terminal. The method of claim 1, The mobile terminal comprises a selection key for varying the strength of the transmitted signal in accordance with the distance to the payment terminal. In the electronic bill payment system including a card company server for determining whether or not to approve the card payment by inquiring the personal credit card information and payment amount when the personal credit card information and payment amount are transmitted, A mobile terminal which stores the personal credit card information and which is capable of short-range communication for transmitting the personal credit card information through a local area network to request a card payment and receiving a result of the amount processing; And Sending the personal credit card information and the payment amount transmitted from the mobile terminal through the local area network through the public telephone network to request card payment approval, processing the amount according to whether the payment is approved, and processing the result to the mobile terminal. A billing terminal for transmitting; And Approving the card payment requested from the bill payment terminal for a predetermined period, Electronic bill payment characterized in that it comprises an unauthorized payment terminal for requesting approval by collectively transmitting the bill payment history approved for a predetermined period to the card company server system. The method of claim 3, The mobile terminal comprises a selection key for varying the strength of the transmitted signal in accordance with the distance to the payment terminal. An electronic bill payment system including a portable terminal capable of short-range communication and storing personal credit card information, and a billing terminal unit performing short-range communication with the portable terminal and obtaining card payment approval from the authentication server through communication with the authentication server. In the electronic payment method, (a) requesting a card payment by transmitting the personal credit card information stored in the portable terminal to the fee payment terminal through a local area network; (b) requesting the card payment approval by transmitting the credit card information and the payment amount transmitted from the mobile terminal to the authentication server; And (c) the bill payment terminal unit is a card payment processing is made from the authentication server, and the electronic payment method comprising the step of transmitting the processing result to the mobile terminal. The method of claim 5, wherein step (c) (c1) requesting confirmation of the processing amount by transmitting the processing amount to the mobile terminal when the payment terminal is authorized to pay the card from the authentication server; And (c2) when the processing amount is confirmed from the portable terminal, the billing payment terminal unit performs a card payment processing, and transmits the processing result to the portable terminal. A portable terminal capable of short-range communication and storing personal credit card information, a short-term communication with the portable terminal, a billing terminal unit requesting card payment approval, and a card of the billing terminal unit without authentication of a card company server for a predetermined period of time. In the electronic bill payment system including an unauthorized payment terminal unit for authenticating payment, the electronic payment method, (a) requesting a card payment by transmitting the personal credit card information stored in the portable terminal to the fee payment terminal through a local area network; (b) transmitting the credit card information and the payment amount transmitted from the portable terminal to the unauthorized payment terminal to request card payment approval; (c) the unauthorized payment terminal unit authenticating the card payment approval requested from the fee payment terminal unit for a predetermined period, and storing an authentication history; (d) the fee payment terminal unit performing card payment processing when a card payment approval is made from the unauthorized payment terminal unit, and transmitting a processing result to the mobile terminal; And (e) after a predetermined period of time, the electronic payment method using a portable terminal, characterized in that the step of requesting payment approval by collectively transmitting the authentication history stored in the step (c) to the card company server. In the billing terminal capable of short-range communication and the portable terminal for performing the card payment through the short-range communication, A storage unit for storing personal credit card information; And And a short-range communication unit for retrieving the personal credit card information and transmitting the credit card information to the fee payment terminal to request a card payment and storing a card payment history in the storage unit by external control. The method of claim 8, wherein the short-range communication unit The strength of the signal transmitted to the billing terminal according to the distance to the billing terminal may be selected. An electronic fare payment terminal which performs short-range communication with a mobile terminal storing personal credit card information and processes card payment according to the result of the card payment approval in the authentication server. A local area communication unit which receives the personal credit card information transmitted through the local area network from the mobile terminal, and transmits a card payment processing result to the mobile terminal; And The charge processing unit transmits the personal credit card information received from the local area communication unit to the authentication server to request card payment approval, and when the card payment is authenticated from the authentication server, performs card payment processing and transmits the processing result to the local area communication unit. Electronic bill payment terminal comprising a. The method of claim 10, And a storage unit for storing the card payment processing history. In the electronic bill payment system including a certificate server for determining whether to approve payment by querying the personal credit card information when the personal credit card information is transmitted, A mobile terminal storing the personal credit card information and capable of short-range communication for transmitting the personal credit card information through a local area network in response to external control; And Sending the personal credit card information and the payment amount transmitted from the mobile terminal through the local area network to the authentication server through the Internet network, requesting card payment approval, and processing the card payment according to the payment approval and processing the result. Electronic billing system comprising a user computer for transmitting to the portable terminal. In an electronic bill payment system including a portable terminal capable of short-range communication and storing personal credit card information, and a user computer performing short-range communication with the portable terminal and obtaining card payment approval from the authentication server through communication with an authentication server. , In the electronic payment method, (a) transmitting the personal credit card information stored in the portable terminal to the user computer through a local area network; (b) the user computer requesting card payment approval while transmitting the transmitted credit card information and payment amount to the authentication server through a communication network; And and (c) the user computer performing card payment processing for the payment amount when the card payment approval is made from the authentication server, and storing the payment processing history. In an electronic bill payment system including a portable terminal capable of short-range communication and storing personal credit card information, and a user computer performing short-range communication with the portable terminal and obtaining card payment approval from the authentication server through communication with an authentication server. In the recording medium recording the electronic bill payment program, (a) transmitting the personal credit card information stored in the portable terminal to the user computer through a local area network; (b) the user computer requesting card payment approval while transmitting the transmitted credit card information and payment amount to the authentication server through a communication network; And (c) the user computer executing the electronic payment program on the computer, characterized in that the card payment processing for the payment amount, and storing the payment processing history when the card payment approval is made from the authentication server Recording medium recorded by.