KR20030052594A - Method and apparatus for providing a bill service in a network payment system - Google Patents

Abstract

PURPOSE: A device and method for a payment in a network electronic money system is provided to minimize a spatial restriction for a payment and a leakage of personal information on the Internet using a mobile communication terminal by off-line and on-line through virtual account information of a client. CONSTITUTION: A wire/wireless mobile communication terminal(100) is included in a client group(100/1-100/n), connected to a wire/wireless network(150), downloads numeral data for a personal authentication, converts the numeral data into a bar-code, and displays the bar-code. A personal authentication number creation server(400) is connected to the wire/wireless mobile communication terminal(100), creates authentication completed numeral data, and transmits the numeral data to the wire/wireless mobile communication terminal(100). A bar-code recognition terminal(600) receives user authentication data and recognizes the bar code being displayed on the wire/wireless mobile communication terminal(100). An accounting and authenticating server(500) is interlocked with the personal authentication number creation server(400), determines numeral data creation for a personal authentication, informs the result to the personal authentication number creation server(400), compares user data in accordance with a bar-code recognition with predetermined user data, judges whether a payment is possible, and informs the result to the bar-code recognition terminal(600). An electronic money server(200) is interlocked with a plurality of bank servers(300), sets a virtual account of the client group(100/1-100/n), charges or exchanges electronic money in the virtual account in accordance with a charging or exchanging request of the client group(100/1-100/n), reflects the corresponding money to an actual account of the client group(100/1-100/n), and transfers the corresponding money to the actual account.

Description

Payment service device and method in network type electronic money system {METHOD AND APPARATUS FOR PROVIDING A BILL SERVICE IN A NETWORK PAYMENT SYSTEM}

The present invention relates to a payment service using a mobile communication terminal, and in particular, a payment service using a mobile communication terminal offline and online, for example, a micropayment, a prepaid payment, a credit card payment service, and the like through a client's virtual account information. The present invention relates to a payment service method in a network type electronic money system suitable for providing.

In recent years, the act of purchasing products through the Internet has been widely spread, and micro payment, prepaid payment, and credit card payment are widely used as payment methods for such products.

First of all, the micro payment technology refers to a payment method that is commonly used on the Internet, that is, a user inputs a wireless terminal number, a social security number, a user identification code transmitted through the terminal, and the like to obtain paid content on the Internet. It refers to a payment method that post-pays the cost according to the user's mobile communication call charges.

Such a small payment method has a very simple and inexpensive process compared to a card payment and a bank account payment method, so that a user can easily acquire paid content and generate more profits for a content provider.

However, this general micropayment method has some fatal problems.

For example, it is limited to an online payment method that uses a personal PC and a wireless terminal of a user to make a payment process. Thus, there is an alternative method for offline payment, that is, a user can directly visit a merchant to check and purchase an item. It didn't work.

In addition, since the user's mobile phone number, social security number, etc. must be input on the Internet, personal information may be exposed.

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.

In addition, the credit card payment method, the user's social security number, credit card number, the expiration date of the card through the user authentication process through the user authentication process to select the paid content on the Internet, and then charges for Say

However, this general prepaid payment and credit card payment method has to enter important information such as the user's social security number on the Internet, there is a problem that personal information may be exposed to others.

In particular, due to the recent development of mobile communication technology, various multimedia services such as Internet shopping, information retrieval, etc. are provided to users, without being limited to the general functions of mobile communication such as wireless calls, short message transmission, and the like. However, when performing a prepaid or credit card payment using the mobile communication terminal, for example, limited to the online payment method using a desktop or a notebook, the payment method in offline, that is, the user visits the merchant directly There may be a problem that can not be confirmed and purchased directly.

On the other hand, the virtual account service is to facilitate the settlement between the second financial sector and the affiliated bank using a virtual account. When a request for a financial transaction occurs, the validity of the account is verified to both the second financial institution and the affiliated bank. The premise is that the transaction results are shared between the second financial sector and the bank.

Therefore, such services must have a prior agreement between a second financial institution / virtual account management institution (eg, a financial transaction relay internet site) and a bank, and have a disadvantage in that they cannot be used in a wider field.

That is, in the normal virtual account service, since the account number must be directly input when using the service, it is not only inconvenient to use, but also inevitably incurs a fee when transferring funds.

Another virtual account service technology is a case where a virtual account set in a bank having a real account of a client is used as a financial transaction service means, in which a financial transaction request occurs between a sender and a collector who have a real account in different banks. Then, banks with real accounts of remitters and collectors have to install a virtual account management server to support financial transaction services.

Accordingly, the present invention has been made to solve the above-described problem, the present invention, by scanning a bar code corresponding to the personal data for personal authentication displayed on the portable communication terminal through a barcode recognition terminal to pay for goods on-line / online The payment service using the mobile communication terminal offline and online through the virtual account information of the client using the network type electronic money server with the electronic money charging function through the bank-specific firm banking based on its own virtual account Minimize the spatial constraints of payments and personal information leakage on the Internet, and provide financial transactions between other banks based on the account transfer granted to other banking transactions using a virtual account filled with electronic money. To minimize costs Network type to provide a device and method of payment services in the electronic money system has its purpose.

According to an embodiment of the present invention for achieving this object, it is included in the client group, it is possible to download the numeric data for personal authentication by accessing the wired / wireless network, converting the downloaded numeric data for personal authentication into a barcode A wired / wireless portable communication terminal capable of being displayed externally; A personal authentication number generation server connected to the wired / wireless portable communication terminal to generate predetermined numeric data that has been authenticated and transmitted to the wired / wireless portable communication terminal; A barcode recognition terminal capable of inputting user authentication data and recognizing barcode displayed on a wired / wireless portable communication terminal; 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 request terminal, and the result is notified to the personal authentication number generation server, and according to the barcode recognition provided from the barcode recognition terminal. A settlement and authentication server that compares the user data with the preset user data to determine whether payment is possible and to notify the barcode recognition credit authentication terminal of the result; It connects with multiple bank servers, sets up a virtual group of client groups, charges or exchanges electronic money in the virtual account according to the client group's electronic money recharge or exchange request, and exchanges the amount corresponding to the charged or exchanged electronic money. The present invention provides a payment service device in a network type electronic money system, comprising: an electronic money server configured to transfer a corresponding amount to a real account by reflecting a real account of a client group stored in a bank server.

According to another embodiment for achieving the object of the present invention, a mobile communication terminal capable of converting a bar code owned by any client, a personal authentication number generation server, a bar code recognition terminal, a settlement and authentication server, financial information of any client is databased An offline payment service method of a network type electronic money system linked to a plurality of bank servers, the method 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; Displaying the converted barcode on the display window of the portable communication terminal; Determining whether the displayed barcode is scanned by the barcode recognition terminal, and when scanning is completed, determining whether authentication data and selected item price information are input to the barcode recognition terminal; When the input of the authentication data and the selected item price information is completed, transmitting the input authentication data and the selected item price information to the settlement and authentication server to perform an authentication process; Transmitting a goods purchase confirmation message to a barcode recognition terminal and notifying a price of the goods to a client if the user approval is successful as a result of performing the authentication process; Determining whether a payment confirmation message is transmitted from the client, and if the payment confirmation message is transmitted, retrieving the virtual account information of any client in the database, and then subtracting the virtual account balance of the arbitrary client by the item price; It provides a payment service method in a network-type electronic money system comprising the step of reflecting the variable virtual account information to the real account of any client stored in any bank server among a plurality of bank servers.

According to another embodiment for achieving the object of the present invention, a portable communication terminal capable of bar code conversion owned by any client, a personal authentication number generation server for generating personal authentication number data for payment, a barcode recognition terminal connected to the Internet network In the online payment service method of a network-type electronic money system, which has a database of settlement and authentication servers for determining whether barcodes can be generated and payment, and financial information of arbitrary clients, and which is linked to a plurality of bank servers, Transmitting the small amount of personal authentication number data generated by the personal authentication number generation server to the portable communication terminal, and converting the transmitted number data into a small amount payment barcode; Displaying the converted barcode on the display window of the portable communication terminal; Displaying a payment screen linked to a settlement and authentication server on a barcode recognition terminal when a predetermined item is selected 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; Determining whether the authentication data and the selected item price information are input to the barcode recognition terminal when the scanning is completed; When the input of the authentication data and the selected item price information is completed, transmitting the input authentication data and the selected item price information to the settlement and authentication server to perform an authentication process; Transmitting a goods purchase confirmation message to a barcode recognition terminal and an internet shopping mall and notifying a price of the goods to a client if the user approval is successful as a result of performing the authentication process; Determining whether a payment confirmation message is transmitted from the client, and if the payment confirmation message is transmitted, retrieving the virtual account information of any client in the database, and then subtracting the virtual account balance of the arbitrary client by the item price; It provides a payment service method in a network-type electronic money system comprising the step of reflecting the variable virtual account information to the real account of any client stored in any bank server among a plurality of bank servers.

1 is a block diagram of a payment service device in a network type electronic money system using a portable communication terminal on-line and off-line in accordance with a preferred embodiment of the present invention;

2 is a flowchart illustrating a payment service process using a mobile communication terminal in an offline state performed by the network type electronic money server of FIG. 1 according to another embodiment of the present invention;

3 is a flowchart illustrating a payment service process using a mobile communication terminal on-line performed by the network type electronic money server of FIG. 1 according to another embodiment of the present invention.

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

100: client group

150: wired / wireless network

200: network type electronic money server

202: financial server

204: Financial Information DB

300: Bank Server Group

400: personal authentication number generation server

500: Settlement and Authentication Server

600: barcode recognition terminal

700: subscriber information DB

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 technical idea of the present invention transmits the personal authentication number data generated by the personal authentication number generation server to the portable communication terminal, and the portable communication terminal converts the numeric data into a barcode, Display and scan a small payment barcode that can be converted to a user authentication on the liquid crystal, and provide a payment service for goods online and offline based on the scanned information, and through the bank-specific perm banking based on its own virtual account By using a network-type electronic money server with an electronic money charging function, a payment service using a mobile communication terminal offline and online, for example, a prepaid payment, a micro payment, a credit card payment service, etc., is provided through a virtual account information of a client. From this implementation technique, the object of the present invention It could be easily achieved with what.

1 is a block diagram of a payment service system in a network type electronic money system according to an exemplary embodiment of the present invention. The client group 100, a wired / wireless network 150, a network type electronic money server 200, Bank server group 300, personal authentication number generation server 400, settlement and authentication server 500, barcode recognition terminal 600.

As shown, the client group 100 includes a plurality of clients 100/1... 100 / n, and these clients 100/1... 100 / n are wireless communication means, i.e., portable communication terminals. It may be referred to as.

When the portable communication terminal uses a wireless communication network, the wireless communication terminal having a built-in voice and data communication function connected to the wired / wireless network 150 through a mobile communication control means, that is, a base station, a mobile communication switching center (not shown), or the like. The portable terminal refers to a wired portable terminal having a function of connecting to the Internet through a wired network when using a wired communication network. Such a terminal has a picture display function, a wired / wireless internet connection, and a browsing function, and thus it is possible to convert and display a barcode used in the present embodiment. That is, the portable communication terminal may convert the numeric data for personal authentication received from the personal authentication number generation server 400 to be described later into a barcode and display it externally.

The network type electronic money server 200 sets a virtual account corresponding to the wireless terminal identifier of the client group 100 according to the virtual account setting of the client group 100, and requests for charging or exchanging electronic money of the client group 100. The real of the client group 100 that stores or exchanges electronic money in the virtual account and stores the amount (charge or exchange amount) corresponding to the charged or exchanged electronic money in the bank server group 300 connected by dedicated lines. The amount is reflected to the account and transferred to the real account owned by the electronic money server 200 or the real account owned by the electronic money server 200 to the real account of the client group 100. The electronic money charged in the virtual accounts of the clients 100/1... 100 / n will be used for the financial transaction service between the clients 100/1.

The network type electronic money server 200 includes a financial server 202 and a financial information DB 204.

The financial server 202 performs account creation and management, data generation, reservation recharge management, reservation remittance management, remittance and point management, and virtual account information of any client 100/1 recorded in the financial information DB 204. It reads the real account number, the electronic money charged in the virtual account, etc. and performs the function of providing the client group 100 through the wired / wireless network 150.

The bank server group 300 includes a communication means for interworking with the network type electronic money server 200 and reflects various financial transaction services provided by the electronic money server 200 to the real account of the client group 100. .

Personal authentication number generation server 400 performs the function of a wireless Internet server, and generates a small amount of personal authentication number data for payment can be used in the mobile communication terminal authenticated in conjunction with the settlement and authentication server 500 to be described later The generated numeric data is transmitted to the mobile communication terminal through the wired / wireless network 150. In addition, the personal authentication number generation server 400 transmits the generated numeric data to the settlement and authentication server 500.

The settlement and authentication server 500 stores the terminal number of the user, for example, a mobile identification number (MIN), authentication data, a barcode, and a small payment balance data, in the subscriber information DB 700, and generates the personal authentication number described above. The interworking with the server 400 determines whether the personal data for personal authentication can be generated for the personal authentication number request terminal and notifies the personal authentication number generation server 400 of the result.

In addition, the settlement and authentication server 500 is interlocked with the barcode recognition terminal 600 and the personal authentication number generation server 400, payment using the barcode, user authentication data, payment amount received from the barcode recognition terminal 600 It determines whether it is possible, and notifies the result to the barcode recognition terminal 600 and the mobile communication billing server not shown.

When the barcode recognition terminal 600 is offline, the barcode recognition portable communication terminal may be selectively applied when the barcode recognition terminal 600 is online.

First, when offline, the barcode recognition terminal 600 performs a function of recognizing a barcode displayed on the terminal liquid crystal, and user authentication data (for example, biometric data such as a password or fingerprint, iris, voice, etc.) is input. This input data is provided to the settlement and authentication server 500.

When online, the barcode recognition terminal 600 performs a function of recognizing a barcode displayed on the terminal liquid crystal, and is used as a means for inputting user authentication data, goods, and payment amount data. This input data is provided to the settlement and authentication server 500. At this time, the barcode recognition terminal 600, for example, is configured in a structure in which a barcode scanner (not shown) is connected to a normal desktop, directly connected to the Internet shopping mall (not shown) 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.

Hereinafter, with reference to the flowchart of Figures 2 and 3 attached to the above-described configuration, the payment service process in the network-type electronic money system using a mobile communication terminal in the offline and online according to a preferred embodiment of the present invention Explain.

FIG. 2 is a flowchart illustrating a payment service process using a mobile communication terminal offline in the network type electronic money system of FIG. 1.

First, the personal authentication number data generated by the personal authentication number generation server 400 is transmitted to the mobile communication terminal in the client group 100 (S200), and then converts the transmitted numeric data into a bar code of the mobile communication terminal The display is displayed through a display window (not shown) (S202), (S203), and it is determined whether the displayed barcode is scanned by the barcode recognition terminal 600 (S204).

When the scanning of the determination result of step S204 is completed, the barcode recognition terminal 600 proceeds to step S206 to determine whether authentication data and selected item price or purchase price information are input.

As a result of the determination in step S206, when the input of the authentication data and the selected item price information is completed, the barcode recognition terminal 600 proceeds to step S208 to settle and input the completed authentication data and the selected item price information and the authentication server ( 500).

In operation S210, the settlement and authentication server 500 performs an authentication process. This user authentication process can be easily understood by those skilled in the art, a detailed description thereof will be omitted.

If the user approval fails as a result of performing the authentication process (S214), the settlement and authentication server 500 proceeds to step S216 and transmits an error message to the barcode recognition terminal 600.

On the other hand, if the user approval is successful as a result of performing the above-described authentication process (S212), the settlement and authentication server 500 proceeds to step S218 and transmits the goods purchase confirmation message to the barcode recognition terminal 600.

Thereafter, the electronic money server 200 notifies the price of the goods to the client group 100 (S220), and determines whether a payment confirmation message indicating the final payment acceptance is transmitted from the client group 100 (S222).

As a result of the determination in step S222, when the payment confirmation message is transmitted, the electronic money server 200 proceeds to step S224 to display the virtual account information of any client 100/1 recorded in the financial information DB 204. Search.

As a result of the search, if the satisfactory virtual account information exists, the electronic money server 200 proceeds to step S226, subtracts the virtual account balance of the arbitrary client 100/1 by the price of the goods, and proceeds to step S228. .

In step S228, the variable virtual account information is reflected in the real account of any client 100/1 stored in any bank server 300/1 in the bank server group 300.

3 is a flowchart illustrating a payment service process using a mobile communication terminal online performed in the network type electronic money system of FIG. 1.

First, as in FIG. 2 described above, the process transmits the personal authentication number data generated by the personal authentication number generation server 400 to the mobile communication terminal (S300), and converts the transmitted numeric data into a barcode. Subsequently, it is assumed that the display is performed through the display window of the portable communication terminal (S302) (S303).

In steps S304 and S306, when an item is selected by accessing an internet shopping mall (not shown) through a barcode recognition terminal 600 in the form of a PC, the settlement and authentication server 500 is applied to the barcode recognition terminal 600. In step S308, the payment screen interlocked with the control panel is displayed, and it is determined whether the barcode displayed on the portable communication terminal is scanned by the barcode recognition terminal 600.

As a result of the determination in step S308, when scanning is completed, the process proceeds to step S310 to determine whether authentication data is input to the barcode recognition terminal 600.

When the input of the authentication data is completed, the barcode recognition terminal 600 proceeds to step S312 and transmits the input authentication data and the selected item price information to the settlement and authentication server 500 described above.

In step S314, the settlement and authentication server 500 performs an authentication process.

If the user's approval fails as a result of performing the authentication process (S318), the settlement and authentication server 500 proceeds to step S320 to transmit an error message to the barcode recognition terminal 600 and cancel the purchase process.

On the other hand, if the user approval is successful as a result of performing the authentication process (S316), the settlement and authentication server 500 proceeds to step S322 and transmits a goods purchase confirmation message to the barcode recognition terminal 600 and the Internet shopping mall.

Thereafter, the electronic money server 200 notifies the price of the goods to the client group 100 (S324), and determines whether a payment confirmation message indicating the final payment acceptance is transmitted from the client group 100 (S326).

As a result of the determination in step S326, when the payment confirmation message is transmitted, the electronic money server 200 proceeds to step S328 to display the virtual account information of any client 100/1 recorded in the financial information DB 204. Search.

As a result of the search, if the satisfactory virtual account information exists, the electronic money server 200 proceeds to step S330 to subtract the virtual account balance of the arbitrary client 100/1 by the amount of the goods and proceeds to step S332. .

In step S332, the variable virtual account information is reflected in the real account of the arbitrary client 100/1 stored in the arbitrary bank server 300/1 in the bank server group 300.

That is, the present invention is to implement a variety of payment service technology on-line and online by displaying a bar code on the portable communication terminal, scanning the displayed bar code, the payment price in the virtual account of the client when the payment confirmation from the client is requested After deducting the amount, and then linked with the bank server to implement the virtual account information to be reflected in the real account of the client.

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 micro payment service, which is not limited to online, but also has the effect of minimizing the leakage of personal information on the Internet. By using the virtual account filled with the money is effective to minimize the costs associated with the transfer of funds granted to the inter-line financial transaction services.

Claims (4)

Included in the client group, it is possible to download the numeric data for personal authentication by accessing the wired / wireless network, and convert the downloaded personal data to a bar-code and display it externally. A wireless portable communication terminal; A personal authentication number generation server connected to the wired / wireless portable communication terminal to generate predetermined numeric data that has been authenticated and transmitted to the wired / wireless portable communication terminal; A barcode recognition terminal capable of inputting user authentication data and recognizing a barcode displayed on the wired / wireless portable communication terminal; 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 the barcode provided from the barcode recognition terminal. A settlement and authentication server which compares user data according to recognition with preset user data to determine whether payment is possible, and notifies the barcode recognition credit authentication terminal of the result; It is associated with a plurality of bank servers, set up a virtual account of the client group, charge or exchange the electronic money in the virtual account according to the electronic money charging or exchange request of the client group, and corresponds to the charged or exchanged electronic money The payment service device of the network type electronic money system, characterized in that the electronic money server to reflect the amount to be stored in the real account of the client group stored in the bank server to transfer the corresponding amount to the real account. The method of claim 1, The user data and the predetermined user data is a mobile identification number (Mobile Identification Number) or ID / PW, authentication data, barcode and payment balance data, characterized in that the payment service device in a network type electronic money system. Mobile communication terminal capable of converting barcode owned by arbitrary client, personal authentication number generation server, barcode recognition terminal, settlement and authentication server, network information of arbitrary client and network type electronic money system linked with multiple bank servers In the offline payment service method, Transmitting numerical data for personal authentication generated by the personal authentication number generation server to the portable communication terminal; Converting the transmitted numeric data for personal authentication into a barcode; Displaying the converted barcode on the display window of the portable communication terminal; Determining whether the displayed barcode is scanned by the barcode recognition terminal and determining whether authentication data and selected item price information are input to the barcode recognition terminal when scanning is completed; When the input of the authentication data and the selected item price information is completed, transmitting the inputted authentication data and the selected item price information to the settlement and authentication server to perform an authentication process; Transmitting a goods purchase confirmation message to the bar code recognition terminal and notifying the price of the goods to the client when the user approval is successful as a result of performing the authentication process; Determining whether a payment confirmation message is transmitted from the client, and if the payment confirmation message is transmitted, retrieving virtual account information of any client in a database, and subtracting the virtual account balance of any client by an item price; And applying the variable virtual account information to a real account of an arbitrary client stored in an arbitrary bank server among the plurality of bank servers. A mobile communication terminal capable of converting a barcode owned by an arbitrary client, a personal authentication number generation server for generating personal authentication number data for payment, a barcode recognition terminal connected to the Internet network, a settlement and authentication for determining whether a barcode can be generated and whether payment can be made In the online payment service method of a network-type electronic money system in which a database of financial information of a server and an arbitrary client is linked to a plurality of bank servers, Transmitting the small payment personal authentication numeric data generated by the personal authentication number generation server to the portable communication terminal, and converting the transmitted numerical data into a small payment barcode; Displaying the converted barcode on the display window of the portable communication terminal; Displaying a payment screen linked to the settlement and authentication server on the barcode recognition terminal when a predetermined item is selected 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; Determining whether the authentication data and the selected item price information are input to the barcode recognition terminal when scanning is completed; When the input of the authentication data and the selected item price information is completed, transmitting the inputted authentication data and the selected item price information to the settlement and authentication server to perform an authentication process; Transmitting a goods purchase confirmation message to the barcode recognition terminal and the internet shopping mall and notifying the price of the goods to the client when the user approval is successful as a result of performing the authentication process; Determining whether a payment confirmation message is transmitted from the client, and if the payment confirmation message is transmitted, retrieving virtual account information of any client in a database, and subtracting the virtual account balance of any client by an item price; And applying the variable virtual account information to a real account of an arbitrary client stored in an arbitrary bank server among the plurality of bank servers.