KR20030067812A - System and method for employing an electronic money by using a wireless mobile station - Google Patents

Abstract

PURPOSE: A system and a method for operating electronic cash using a wireless mobile terminal are provided to satisfy security and to be used as a credit card. CONSTITUTION: A subscriber client group(102) includes many subscriber clients registered as a member to receive the electronic cash operation service. A member shop client group(110) receives the electronic cash operation service. Databases(116,118) store the member information of each subscriber client and member shop client. A payment certification server(114) fixes a monthly use limit of phone money for each member, charges the phone money within the monthly use limit by responding to a request of the member, offers a new approval number for the payment settlement certification to the client for every charge, and certifies the payment settlement based on the payment approval condition including the approval number when the member shop client requests the payment settlement.

Description

Electronic money management system using wireless mobile terminal and its operation method {SYSTEM AND METHOD FOR EMPLOYING AN ELECTRONIC MONEY BY USING A WIRELESS MOBILE STATION}

The present invention relates to a technique for providing an electronic money service, and more particularly, to an electronic money operating system suitable for providing an electronic money service for commerce to a plurality of subscriber clients (wireless mobile terminal users) using the Internet and its operation. It is about a method.

In general commerce, payment methods other than cash payments include credit cards, debit cards, and bank transfers. In particular, the rapid use of credit cards is rapidly increasing due to the rapid change to the credit society. .

On the other hand, the credit card is determined by the owner's personal credit amount of a certain amount of monthly usage limits (such as one-time limit, installment limit, cash service limit, etc.), and the owner can make payments in the post-payment method within the limit. This method provides a lot of convenience to users, and provides many advantages such as transparency of commerce and securing real-name transaction system.However, when exposed to forgery, forgery, loss, or theft, very large financial damage is incurred to users. In particular, recently, financial damages due to illegal use by forgery / modulation and crime are increasing rapidly.

On the other hand, similar to the prepaid card method, a technique for opening a virtual account, transferring money from a real account to a virtual account, and using the money to perform e-commerce has been developed and used, but in this case, prepaid Since the card has a service limit, which is inadequate to meet the needs of many users.

Accordingly, an object of the present invention is to provide an electronic money operating system and a method of operating the same, using a wireless mobile terminal capable of satisfying security while having the function of a credit card.

According to an aspect of the present invention, there is provided a system for providing an electronic money (phone-money) operation service to a plurality of subscriber clients and a plurality of merchant clients using a wireless mobile terminal and the Internet. A subscriber client group including the plurality of subscriber clients registered as subscriber members to receive money operation services; An affiliated client group including the plurality of affiliated clients registered as an affiliated member to receive the electronic money operation service; Database means for storing member related information of each subscriber client and each merchant client; Set the monthly usage limit of the phone-money for each subscriber member, and in response to the request of the subscriber client, charges as many phone-money as desired within the preset monthly usage limit range, and charges the phone-money. Each time a new usage authorization number for payment authorization is generated and provided to the subscriber client, and when the merchant client requests the payment payment with the usage authorization number, payment is made based on the payment authorization condition information including the usage authorization number. Service means for authenticating; And a means for providing a wireless or wired communication path between each subscriber client, each merchant client, and the service means for the electronic money management service.

According to another aspect of the present invention, there is provided a method of providing an electronic money (phone-money) operation service to a plurality of subscriber clients using a wireless mobile terminal and the Internet, in response to a client request. Registering the client as a subscriber client; Determining a monthly usage limit of the phone-money of the registered subscriber client, generating a charge approval number, and providing the registered subscriber client with the determined phone-money monthly usage limit information; Requesting charging of the desired phone-money within a range of the determined phone-money monthly use limit by providing charging condition information including the charge approval number; After authenticating using the charging authorization number, charging the registered subscriber client with the requested commerce payment settlement phone-money; And generating a usage approval number for authenticating the charged payment payment phone-money for commerce and providing it to the registered subscriber client with a charge confirmation message, wherein the usage approval number is newly changed every time it is charged. It provides an electronic money operating method using a wireless mobile terminal made of.

1 is a block diagram of an electronic money management system that provides an electronic money management service to each subscriber client using a wireless mobile terminal according to a preferred embodiment of the present invention;

2 is a flowchart illustrating a process in which an arbitrary client subscribes to an electronic money management service in order to receive the electronic money management service according to the present invention;

3 is a flowchart illustrating a process in which a subscriber client subscribing to an electronic money management service charges his / her phone-money account as much as he / she desires;

4 is a flowchart illustrating a process of approving a payment settlement when a commerce is performed using a charged phone-money;

5 is a flowchart illustrating a process of providing a point marketing service to subscriber members (subscriber clients) subscribed to the electronic money management service.

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

102: subscriber client group 102/1-102 / n: subscriber client

104: mobile communication network 106: wired client group

106/1-106 / n: Wired client 108: Wired communication network

110: Merchant Client Group 110/1-110 / n: Merchant Client

112: Internet 114: Payment Authentication Service Server

116: subscriber member DB 118: merchant member DB

120: financial server 122: financial DB

The above and other objects and various advantages of the present invention will become more apparent from the preferred embodiments of the present invention described below with reference to the accompanying drawings by those skilled in the art.

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

The core technical gist of the present invention is to set a monthly usage limit of the phone-money (electronic money) that can be used for commerce according to the degree of individual credit, and set a monthly usage limit using a charge authorization number given whenever necessary. Charge as many phone-money as you want within the range of, give a use authentication number (use authentication number that is changed every time you charge) necessary to authenticate the use of the phone-money every time, By using the use authorization number granted in the commerce to authenticate the payment settlement within the currently charged phone-money limit, it is easy to achieve the purpose of the present invention through this technical means.

1 is a block diagram of an electronic money management system that provides an electronic money management service to each subscriber client using a wireless mobile terminal according to a preferred embodiment of the present invention. Subscriber client group 102, mobile communication network 104, wired client group 106 of multiple wired clients 106/1-106 / n, wired network 108, and multiple merchant clients 110 / 1-110 / n) merchant client group 110, Internet 112, payment authentication service server 114, subscriber member DB 116, merchant member DB 118, financial server 120 and finance DB 122 is included.

Referring to FIG. 1, each subscriber client 102/1-102 / n in the subscriber client group 102 includes a mobile communication network 104 and an Internet including a plurality of base stations and base station controllers, mobile communication exchanges and Internet access equipment. A wireless mobile terminal (for example, a PCS, a cellular phone, a PDA, an IMT-2000 terminal, etc.) that can be connected to the payment authentication service server 114 through the 112, and each subscriber client 102/1-102 / n. ) Can register as a subscriber member by accessing the payment authentication service server 114 and providing subscriber member information (ie, name, social security number, wireless mobile terminal number, charging password, etc.), and the charge received after registering as a subscriber member Phone-money charging service, phone-money payment authentication service for commerce, monthly usage limit inquiry service, etc. may be provided using an authorization number and a usage authorization number.

In addition, each subscriber client (102/1-102 / n) is a payment authentication service server through the wired communication network 108 and the Internet 112 using a wired communication terminal (wired telephone, computer, etc. equipped with Internet access equipment). A phone-money charging service, a phone-money payment authentication service for commerce, a monthly usage limit inquiry service, a charging phone-money balance inquiry service, and the like may be provided. In Fig. 1, each wired client 106/1-106 / n in the wired client group 106 corresponds to a wired communication means. That is, the present invention can be provided with a subscription, phone-money charging service, phone-money payment authentication service, usage limit and balance inquiry service using a wired communication terminal as well as a wireless mobile terminal.

Therefore, in the payment authentication service server 114, when any subscriber client or wired client requests subscriber registration by entering subscriber membership information (name, social security number, wireless mobile terminal number, charging password, etc.), the subscriber member information of the client is requested. Register to the subscriber member DB 116, and transmits the credit inquiry information (for example, name, social security number, etc.) of the client through the Internet 112 to the financial server 120 to query the credit status of the client; Based on the inquiry result and the prepared criteria, the monthly usage limit of the phone-money (electronic money) of the client is set, and if the monthly usage limit is set, the corresponding subscriber client (through the Internet 112 and the mobile communication network 104) is set. That is, the subscriber's wireless mobile terminal) is notified using SMS (short message service) or the like, that is, the charge approval number. And set with a phone - to notify the Money monthly use limit. Therefore, the subscriber client registered as a subscriber member can check the phone-money monthly usage limit given to the subscriber.

Here, the financial server 120 is, for example, a server system provided in a bank association and the like. When the payment authentication service server 114 requests a credit status inquiry, the financial server 120 searches for the financial DB 122 and the credit status of the client. After the query is provided to the payment authentication service server 114 via the Internet (112). To this end, the financial DB 122 stores the credit information of the financial transaction for each individual.

At this time, in the preferred embodiment of the present invention, the electronic money management service to the subscriber client has been described as separate operation of the payment authentication service server and the financial server, but this is merely illustrative for convenience of explanation and enhancement of understanding. The present invention is only presented, but is not necessarily limited thereto. In other words, the present invention can be configured to collectively process all services in one server capable of financial services.

On the other hand, in the payment authentication service server 114, any subscriber client or wired client enters the charging condition information (for example, social security number, wireless mobile terminal number, charging password, charging authorization number, charge desired amount, etc.) to perform charging. Upon request, the subscriber member DB 116 is checked to see if it is a valid subscriber member, and when it is confirmed as a valid subscriber member, the requested phone-money amount is charged and a charge confirmation message (i.e., phone-money charge amount, A charge confirmation message including the remaining amount of the monthly usage limit and the use authorization number) is generated and provided to the corresponding client through the Internet 112 and the mobile communication network 104 or the Internet 112 and the wired communication network 108. Thus, the client can use the phone-money (electronic money) charged at his request for commerce.

At this time, the charge of the phone-money can be charged at any time as necessary within the range of the monthly use limit given to the phone-money, and the use authorization number (ie, phone-for commerce) is given when charging the phone-money. The authorization number for use in requesting approval of payment of the money) is changed to a new number each time it is charged.

As such, the use authorization number is changed every time the phone-money is charged in order to minimize the financial damage that may occur due to information leakage of the phone-money. That is, even if the phone-money information is leaked by hacking or the like, the damage amount is not limited to the monthly use limit of the phone-money, but only to the currently charged phone-money.

Next, each merchant client 110/1-110 / n in the merchant client group 110 is capable of connecting to the payment authentication service server 114 via the mobile communication network 104 and the Internet 112 (e.g., For example, PDA, PCS, cellular phone, etc., each merchant client (110/1-110 / n) is connected to the payment authentication service server 114, merchant information (name, name, address, address, Wireless mobile terminal number, etc.), and can be registered as a member of a merchant.When any subscriber client requests payment of electronic money for commerce in the state of being registered as a member of the merchant, the unique number, the social security number of the subscriber client, Payment authentication request information is input through the mobile communication network 104 and the Internet 112 by inputting payment approval request information including a wireless mobile terminal number, a usage authorization number, a payment authorization request amount, and a product code name. By transmitting to the server server 114, payment authentication service for the payment price can be provided.

In addition, each merchant client registered as an affiliated member may access the payment authentication service server 114 through the Internet 112 and request point marketing for a desired product or the like. That is, when it is assumed that a new product has entered the shop, information on the new product may be transmitted to the payment authentication service server 114 such as a promotional message or a promotional picture.

Meanwhile, in the preferred embodiment of the present invention, the member of the affiliated store accesses a payment authentication service server through a mobile communication network and the Internet using a wireless mobile terminal such as a PDA and requests payment approval of a phone-money for commerce. The present invention is not necessarily limited thereto, and the wireless mobile terminal may be connected to a wired communication network to request payment approval of a phone-money for commerce after accessing a payment authentication service server through a wired communication network and the Internet.

Correspondingly, the payment authentication service server 114 requests payment approval request information (ie, a unique number, a social security number of a subscriber client, a wireless mobile terminal number, a use authorization number, a payment authorization request amount, and a code name of a product) from any merchant client. , Etc.), the subscriber member DB 116 and the merchant member DB 118 are searched for, and the member member requesting payment and the member member requesting payment are valid subscribers or merchant members, or It checks whether or not payment can be made with the charged phone-money, and when the payment is authenticated, the payment authorization request amount is charged from the charged phone-money of the subscriber member, and transaction history information (for example, merchant name, After the transaction date and time, the product code, etc. are stored in the subscriber member DB 116, the approval result message (i.e., approval processing, approval amount, Unique number of blind spot member, etc.) is generated and transmitted to the corresponding merchant client. Therefore, the merchant member and the subscriber member confirm the payment settlement of the phone-money, and then perform the commerce for the product selected by the subscriber member.

Here, the transaction history information (e.g., merchant name, transaction date and time, product code or product name, etc.) of each subscriber member stored in the subscriber member DB 116, each subscriber member confirms his or her transaction history or This information is for members to request for point marketing.

In addition, the personal identification information input into the wireless mobile terminal of the merchant client, that is, the subscriber's member (consumer) rather than the merchant member directly enters in consideration of problems such as the resident registration number, wireless mobile terminal number, use authorization number of the subscriber client. Would be desirable. Moreover, subscribers using phone-money may, of course, choose to pay in full or in installments, depending on their will.

Further, in the payment approval service server 114, if any merchant client sends a unique number and information about a specific product (product name or product code, product promotion contents, etc.) to request point marketing, the subscriber member DB 116 is requested. Searching to determine the point marketing target, and transmits the point marketing information (promotion information for a specific product) to the determined point marketing target (ie, the target subscriber member of the point marketing). In this case, the point marketing may determine a point member who has purchased a product at the affiliate store as a point marketing target, or a point member who has purchased a product or related product that is a target of the point marketing. .

On the other hand, the money used to charge (pay) by the phone-money used by the subscriber member is automatically replaced by the deposit account designated by the subscriber member on the agreed payment date, or paid by the credit card designated by the subscriber member in advance. Processing may be performed by adding up the call charge of the mobile terminal.

Next, a process of providing an electronic money operating service according to the present invention using the electronic money operating system having the above-described configuration will be described.

2 is a flowchart illustrating a process in which an arbitrary client subscribes to an electronic money management service in order to receive the electronic money management service according to the present invention.

Referring to FIG. 2, a client (subscriber client or wired client) who wants to receive an electronic money management service connects the mobile communication network 104 and the Internet 112 or the wired communication network 108 and the Internet 112 to register as a subscriber member. After accessing the payment authentication service server 114 through (step 202) and applying for subscription to the electronic money management service member (step 204), the payment authentication service server 114 requests the input of member information for subscription. (Step 206).

In response, the client enters member information (e.g., name, social security number, wireless mobile terminal number, charging password, etc.) necessary for subscribing to the mobile communication network 104 and the Internet 112 or the wired communication network 108. When the payment authentication service server 114 is transmitted to the payment authentication service server 114 through the Internet 112, the payment authentication service server 114 transmits personal information (that is, name, social security number, etc.) of the applicant who wants to subscribe through the Internet 112. Request to check the credit status for the candidates to join (step 208).

In this case, detailed description in the above embodiment is omitted, but in the present invention, the payment date of the phone-money use amount, payment method (account transfer, credit card charge, call charge sum), and condition information necessary according to the payment method (that is, , Payment account number, credit card number, etc.) can be selected by the client.

Next, the financial server 120 searches the financial DB 122 that stores the credit information of the financial transactions for each individual, inquires the credit status of the client (subscriber), and displays the inquiry result on the Internet ( 112 to the payment authentication service server 114.

Subsequently, the payment authentication service server 114 determines the monthly usage limit of the phone-money for the subscription applicant based on the credit status of the subscription applicant received from the financial server 120 and the criteria provided by the subscriber (step 210). . Subsequently, the payment authentication service server () stores the determined monthly usage limit in the subscriber member DB (), generates a charge approval number, and notifies the client by using an SMS (short message service) or the like with a subscription confirmation message, that is, The phone-money monthly usage limit set together with the charge approval number is notified (step 212). Therefore, the client registered as a subscriber member can recognize that he or she is a member and at the same time check the monthly usage limit of the phone-money given to him.

Here, the charge authorization number assigned to the subscriber member by the payment authentication service server 114 is used as authentication information when the subscriber member wants to charge as much phone-money as desired within the monthly usage limit of the phone-money given to him. It is to use.

Meanwhile, in the above-described preferred embodiment of the present invention, when an arbitrary client requests to join a member, the client accesses a financial server through the Internet, checks the credit status of the subscriber, and determines the monthly usage limit of the phone-money by referring to this. As described above, the present invention is not necessarily limited thereto, and when the payment authentication service server is a server capable of simultaneously providing financial services, the credit status of the subscribers can be inquired without access to another server. Contrary to the above, it is possible to set the monthly usage limit of the phone-money based on the criteria prepared by itself without inquiring about the credit status of the subscribers related to finance.

Therefore, in the present invention, any of the clients through a series of processes as described above, the wireless mobile terminal (PCS, PDA, cellular phone, IMT-2000 terminal, etc.) or wired communication equipment (wired telephone having a Internet access function, computer, etc.) ) Can be registered as a member to receive electronic money management services.

Next, a description will be given of a process in which a subscriber member who has subscribed as an electronic money management service member through the above-described process charges the desired phone-money within the monthly usage limit of the phone-money.

3 is a flowchart illustrating a process in which a subscriber client who subscribes to an electronic money management service charges his / her phone-money account with as many phone-money as desired.

Referring to FIG. 3, a subscriber member, that is, a subscriber client or a wired client, has a service connection to a payment authentication service server 114 through a mobile communication network 104 and the Internet 112 or a wired communication network 108 and the Internet 112. After (step 302), if the charging service of the phone-money is selected (step 304), the payment authentication service server 114, the charging condition information (for example, social security number, wireless mobile terminal number, charging password, charging authorization number, Input of a desired amount of charge, etc.) (step 306). In this case, the charging condition information input window is provided with the amount of phone-money that the subscriber member can charge.

In response, the subscriber member inputs the charging condition information such as the social security number, the wireless mobile terminal number, the charging password, the charging approval number, and the desired charging amount, and transmits the charging condition information to the payment approval service server 114 (step 308). The server 114 searches the subscriber member DB 116 and authenticates whether the subscriber member who requested the charging is a valid subscriber member or whether the desired charging amount exceeds the remaining monthly usage limit (step 310).

As a result of the check in the step 310, if the subscriber member is not authenticated, the payment approval service server 114 in the guidance message containing the reason for authentication (for example, "Charge approval number is not correct, please proceed again and proceed again) Message ”, etc.), and transmits it to the corresponding client (step 312), and the process returns to the above-described step 306 to repeat the subsequent process according to the selection of the corresponding client.

As a result of the check in step 310, if the subscriber member is authenticated, the payment approval service server 114 charges the requested phone-money to the subscriber's phone-money account (step 314). At this time, the amount equivalent to the phone-money charged in the phone-money account is deducted from the given monthly usage limit. For example, assuming that a monthly usage limit of 1 million won is given and the phone-money of 200,000 won is charged, the remaining amount of the monthly usage limit is 800,000 won.

Subsequently, the payment approval service server 114 charges the phone-money requested by the subscriber member, and then charges the corresponding charge confirmation message (ie, the phone-money charge amount, the remaining amount of the monthly usage limit, and the usage authorization number). A confirmation message) is generated and provided to the subscriber client through the Internet 112 and the mobile communication network 104. As a result, the subscriber client can check the phone-money (electronic money) charged at the request and then use it for commerce.

Here, the phone-money can be charged at any time as necessary within the monthly usage limit of the phone-money given to the subscriber member, and the use authorization number given when charging the phone-money, that is, the phone-money for commerce The authorization number for use when requesting payment authorization from is changed to a new number each time it is charged. As such, changing the use authorization number to a new one every time the phone-money is charged is to minimize the financial damage of the subscriber member that may be caused by the information leakage of the phone-money. That is, even if the phone-money information is leaked by hacking or the like, the damage amount is not limited to the monthly use limit of the phone-money, but only to the currently charged phone-money.

Next, a description will be given of a process of authenticating the payment settlement when the subscriber member conducts the transaction using the phone-money charged in the phone-money account through the above-described process.

FIG. 4 is a flowchart showing a process of approving the payment settlement when conducting commerce using the charged phone-money.

Referring to FIG. 4, when any subscriber member requests a commerce using a phone-money, the merchant client approves payment through the mobile communication network 104 and the Internet 112 or the wired communication network 108 and the Internet 112. After accessing the service server 114 (step 402), a payment approval service is selected (step 404).

Subsequently, the payment approval service server 114, in response to the payment approval service request, payment approval condition information (that is, the purchaser's social security number, wireless mobile terminal number, use authorization number, authorization request amount, unique number of the merchant member, product Information (product name or product code) and the like are requested (step 406).

In response, when the corresponding subscriber client inputs and transmits payment approval condition information (step 408), the payment approval service server 114 searches for the subscriber member DB 116 and the affiliated member DB 118 to request payment approval. The merchant member and the subscriber member who has been requested to approve the payment are authenticated whether they are a valid subscriber member or a merchant member or can be charged with the charged phone-money (step 410).

As a result of the check in step 410, if the payment request is not authenticated, the payment approval service server 114 sends a corresponding guidance message (for example, "the balance of the phone-money is smaller than the amount requested for payment". And payment to the merchant client via the Internet 112 and the mobile communication network 104 or the Internet 112 and the wired communication network 108 (step 412). The process returns to step 406 described above and repeats the subsequent process according to the selection of the merchant client (or subscriber client).

As a result of the check in step 410, if the payment approval request is authenticated, the payment approval service server 114 setstles the amount of payment approved by the subscriber's charged phone-money (step 414), and the transaction history information. (E.g., merchant name (or merchant unique number), transaction date and time, product code (or trade name), etc.) is stored in the subscriber member DB 116 (step 416), and then an approval result message (i.e. approval processing) , Payment approval amount, unique number of the merchant member, etc.) is generated and transmitted to the corresponding merchant client (step 418). Accordingly, the merchant member and the subscriber member confirm the payment settlement of the phone-money and then perform commerce on the product selected by the subscriber member (step 420).

As described above, the money charged (used) by the phone-money used by the member member is automatically transferred from the deposit account designated by the member member on the agreed payment date or by the credit card designated by the member member in advance. Or billing by adding to the call charge of the wireless mobile terminal.

In this case, the purchaser's resident registration number, the wireless mobile terminal number, and the use authorization number, which are input to the wireless mobile terminal of the affiliated client, are preferably directly inputted by the subscriber member (buyer), not the member of the affiliated store, in consideration of problems such as leakage. The buyer may also choose to pay the phone-money payment amount in a lump sum or installment at his will.

On the other hand, storing the transaction member information (for example, merchant name (or unique number), transaction date and time, product code (or brand name), etc.) of the subscriber member in the subscriber member DB 116 is a method of transaction details to each subscriber member) In order to provide an inquiry service or to utilize point marketing in response to a member member's request.

Next, a process of providing point marketing for a specific product or the like to a plurality of unspecified subscriber clients at the request of a member of a merchant is described.

5 is a flowchart illustrating a process of providing a point marketing service to subscriber members (subscriber clients) subscribed to the electronic money management service.

Referring to FIG. 5, after any merchant client connects to the payment authorization service server 114 via the mobile communication network 104 and the Internet 112 or the wired communication network 108 and the Internet 112 (step 502), When the point marketing service is selected (requested) (step 504), the payment approval service server 114 inputs the merchant client with the input of condition information (product name or product code, product promotion contents, merchant ID, etc.) for point marketing. Request (step 506).

In response, when the merchant client inputs and sends marketing condition information (step 508), the payment approval service server 114 searches the merchant member DB 118 to authenticate whether the merchant client is a valid merchant client. (Step 510).

If it is determined in the step 510 that it is not a valid merchant client, the payment approval service server 114 generates a corresponding non-authentication guidance message to generate the Internet 112 and the mobile communication network 104 or the Internet ( 112 and the merchant client via the wired communication network 108 (step 512), the process returns to the above-described step 506 to repeat the subsequent process according to the selection of the merchant client.

As a result of the check in the step 510, if it is authenticated as a valid affiliate client, the payment approval service server 114 searches the subscriber member DB 116 to determine a point marketing target (step 514), and determines the determined point marketing target. Point marketing information (promotion information about a specific product) is transmitted to the target marketing members (step 516). Here, the target of the point marketing may be determined by the subscriber members who have purchased the product at the affiliated shop requesting the point marketing or by the subscriber members who have purchased the product or related product that is the target of the point marketing.

Thus, each subscriber client can obtain the product information for the store he visited once or the marketing information for the purchased product or related product.

As described above, according to the present invention, unlike a credit card method that sets a monthly usage limit and allows the user to freely use it within the usage range, a phone-money (electronic money) that can be used for commerce according to the individual's credit level. Set a monthly usage limit, charge as many phone-money as you want within the set monthly usage limit using a given charge authorization number whenever necessary, and authenticate the use of the phone-money each time you charge By granting a new usage authorization number necessary to authenticate the payment and verifying payment payment within the currently charged phone-money limit using the usage authorization number given when conducting a commerce transaction with the phone-money, it absorbs the function of the credit card It is possible to minimize the financial damage of the user due to information leakage.

Claims (9)

A system for providing electronic money (phone-money) operation services to a plurality of subscriber clients and a plurality of merchant clients using a wireless mobile terminal and the Internet, A subscriber client group including the plurality of subscriber clients registered as subscriber members to receive the electronic money operation service; An affiliated client group including the plurality of affiliated clients registered as an affiliated member to receive the electronic money operation service; Database means for storing member related information of each subscriber client and each merchant client; Set the monthly usage limit of the phone-money for each subscriber member, and in response to the request of the subscriber client, charges as many phone-money as desired within the preset monthly usage limit range, and charges the phone-money. Each time a new usage authorization number for payment authorization is generated and provided to the subscriber client, and when the merchant client requests the payment payment with the usage authorization number, payment is made based on the payment authorization condition information including the usage authorization number. Service means for authenticating; And Electronic money management system using a wireless mobile terminal comprising a means for providing a wireless or wired communication path between each subscriber client and each merchant client and the service means for the electronic money management service. The method of claim 1, wherein the operation system further comprises credit inquiry means for inquiring and providing the financial credit status of each subscriber client to the service means to establish a basis for setting a monthly usage limit of each subscriber client. Electronic money operating system using a wireless mobile terminal, characterized in that. A method for providing an electronic money (phone-money) operation service to a plurality of subscriber clients using a wireless mobile terminal and the Internet, Registering the client as a subscriber client in response to the client request; Determining a monthly usage limit of the phone-money of the registered subscriber client, generating a charge approval number, and providing the registered subscriber client with the determined phone-money monthly usage limit information; Requesting charging of the desired phone-money within a range of the determined phone-money monthly use limit by providing charging condition information including the charge approval number; After authenticating using the charging authorization number, charging the registered subscriber client with the requested commerce payment settlement phone-money; And Generate a usage approval number for authenticating when using the charged payment phone-money for commerce and provides it to the registered subscriber client with a charge confirmation message, wherein the usage approval number is newly changed every time it is charged. Electronic money operating method using a wireless mobile terminal made. 4. The method of claim 3, wherein the operation method further comprises the step of inquiring the credit status of the registered subscriber client before determining the monthly usage limit for the phone-money, and based on the credit status inquiry result. Electronic money operating method using a wireless mobile terminal, characterized in that for determining the monthly usage limit. The method of claim 3 or 4, wherein the method of operation is: Requesting payment settlement approval of the phone-money for commerce by providing payment approval condition information including at least the use approval number and the authorization request amount by any merchant client; Authenticating payment payment of the phone-money using the use authorization number; And And when the payment of the phone-money is authenticated, subtracting the authorization request amount from the charged phone-money, generating an approval result message according to the payment of payment, and providing it to the arbitrary merchant client. Electronic money operating method using a wireless mobile terminal characterized in that. The method of claim 5, wherein the operation method further comprises storing transaction history information related to the payment settlement authentication in a storage space allocated to the subscriber client. . The method of claim 3 or 4, wherein the method of operation is: Requesting point marketing by providing a message including marketing information by any affiliated client; Determining a marketing target by searching a registered database by a plurality of subscriber clients; And And providing a point marketing message including the marketing information to the determined marketing target person. The method of claim 7, wherein the marketing target is subscriber clients having a history of purchasing a product from any of the affiliated client clients. The method of claim 7, wherein the marketing target is subscriber clients who have a history of purchasing a product or related product in the marketing information.