KR20030068603A - Paying system using cellular phone and the method - Google Patents

Abstract

PURPOSE: A system and a method for settling charge using a cellular phone are provided to realize a micro remittance function and an accumulation function as well as a micro payment function by using the cellular phone of the wireless communication without the wired Internet environment. CONSTITUTION: A user section(52) is a buyer checking processor generated when a buyer starts transaction. An input server(54) stores a transaction request as a queue format. A customer information confirmation part(56) verifies a cellular phone number of the buyer and a seller by linking with a mobile communication company's data part(58). A mobile account(62) is a virtual account linked with a real account of a bank or a credit card company(64). A limit/remainder confirmation part(60) decides the transaction by checking the remainder or a credit limit of the mobile account(62). A certification number generating part(66) generates a number for the identification and the approval of the transaction. A transaction particulars server(68) changes the virtual account of the buyer and the seller after confirming the transaction particulars and the certification number from the buyer.

Description

Payment system using a mobile phone and its method {PAYING SYSTEM USING CELLULAR PHONE AND THE METHOD}

The present invention relates to a payment system using a mobile phone and a method thereof, and more particularly, to a system and a method of making a payment using a mobile phone of a buyer and a mobile phone of a seller.

In the conventional payment system using a mobile phone, it is partially used for micropayment by purchasing contents on the wired / wireless internet or paying at a cyber shopping mall, but until now it is only used for simple payment and can be used only under the internet environment. It is coming true.

In the case of using the wired Internet network as shown in FIG. 1, when a user inputs an amount and a phone number using a PC / Internet, the administrator informs the user's mobile phone of the authentication number. Then, the user enters the authentication number assigned through the PC / Internet. The manager pays the bill to the mobile carrier. The amount used by the user is then listed on the invoice for the use of the mobile phone. It is difficult to spread the micropayment because it requires an internet line and a PC and receives an authentication number to use for the micropayment offline.

As shown in FIG. 2, the small payment on the wireless Internet is directly inputted by a predetermined amount of money from a mobile communication company, and the mobile communication company makes a payment to a supplier. In this case, there is no direct transaction between the user and the supplier. In addition, only a fixed amount is possible and there is no free charge system.

The present invention is to overcome the above-mentioned conventional problems, the object of the present invention is a payment system using a mobile phone that enables not only micropayment but also mutual microtransfer, earning function using only a mobile phone of wireless communication without wired Internet environment And to provide a method.

As an example of the payment system using a mobile phone according to the present invention for achieving the object of the present invention,

The purchaser mobile phone and the seller mobile phone are made by the payment system, and the payment system is

The user section, which is the processor for buyer checks, which is generated when a buyer initiates a transaction;

An input server that stores a request for a transaction in the form of a QUEUE to serve multiple users;

A customer information verification unit linked to the carrier data unit to confirm the authenticity of the mobile phone number of the buyer and seller;

A mobile account that functions as a bank account as a virtual account of a buyer linked to a real name account of a commercial bank or credit card company,

A limit / balance checking unit for checking the balance or credit limit of the mobile account to determine whether the transaction is possible;

Authentication number generation unit for generating a number for confirming and approval of identity during the transaction,

The transaction history server for temporarily storing the transaction details and the authentication number applied by the buyer, and if the retransmission of the authentication number received later by the buyer, the transaction history server for changing the virtual account of the buyer and the seller after checking this;

An output server that manages authentication numbers and messages for delivery to buyers and sellers,

SMS server with short message service

It consists of.

As an example of the payment method using a mobile phone according to the present invention for achieving the object of the present invention,

Buyer calls the predetermined payment system using his mobile phone and enters the seller mobile phone number and amount,

The payment system recognizes the purchaser's mobile number in the user section and determines whether it is a phone number of new or existing data.

In case of a new mobile phone number, the input server stores the transaction request in Queue format.

Determining the authenticity of the buyer's mobile phone and the seller's mobile phone in the customer information verification unit associated with the mobile carrier data unit;

Confirming the purchase limit or balance of the purchaser in the limit / balance checking unit through the mobile account, which is the buyer's virtual account linked to the real name account of a commercial bank or credit card company;

If the limit / balance check unit determines that the mobile account is enough to purchase, the step of generating the authentication number in the authentication number generation unit,

The generated authentication number is delivered as a message to the purchaser mobile phone through the output server and the SMS server, and the generated authentication number is entered into the transaction history server and temporarily stored;

When the buyer receives the verification code, he / she enters the verification code back into the payment system, and the user section confirms that the buyer is already, and the transaction history server checks for the already issued verification number and the input verification number. Authorizing the settlement to be made in

The transaction history server delivers the transaction completion as a message to the seller mobile phone through the output server and the SMS server.

It consists of.

1 is a block diagram showing a micropayment system on a conventional wired Internet

2 is a block diagram showing a micropayment system on a conventional wireless Internet

3 is a block diagram of a payment system using a mobile phone according to the present invention

4 is a block diagram of a payment system using a mobile phone according to the present invention

<Description of Symbols for Main Parts of Drawings>

10: Buyer Cell Phone 20: Seller Cell Phone

50: Payment System 52: User Section

54: input server 56: customer information confirmation

58: mobile carrier data unit 60: limit / balance check unit

62: mobile account 64: commercial banks / credit card companies

66: authentication number generation 68: transaction history server

70: output server 72: SMS server

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

3 and 4, a payment system using a mobile phone according to the present invention is shown.

Payment system using a mobile phone according to the present invention is made by the payment system 50 as the buyer mobile phone 10 and the seller mobile phone (20).

The user section 52 is a processor for buyer checks that is created when a buyer starts a transaction.

The input server 54 is a system for storing a request for a transaction in the form of a QUEUE to serve multiple users.

The customer information confirmation unit 56 is a system for confirming the authenticity of the mobile phone number of the buyer and seller and the PAYGATE virtual account subscription, and is connected with the mobile communication company data unit 58.

The mobile account 62 serves as a virtual account of a buyer connected to a real name account of a commercial bank or credit card company 64, and serves as a bank account.

The limit / balance check unit 60 is a system for checking the balance or credit limit of the mobile account 62 to determine whether the transaction.

Authentication number generation unit 66 is a system for generating a number for identity verification and approval during the transaction.

The transaction history server 68 is a system that temporarily stores the transaction history and the authentication number applied by the buyer, and when retransmitting the authentication number received later by the buyer, it is a system for changing the virtual accounts of the buyer and the seller. .

The output server 70 is a system for managing authentication numbers and messages to be delivered to buyers and sellers.

The SMS server 72 is a server for short message service.

By the above configuration, the payment system using the mobile phone according to the present invention operates as follows.

The purchaser makes a call to the predetermined payment system 50 using his mobile phone 10. In addition, it is possible to connect using the wireless Internet. And enter the seller mobile number and amount.

The payment system 50 recognizes the purchaser's mobile phone number in the user section 52 to determine whether it is a phone number of new or existing data.

In the case of a new cell phone number, the input server 54 stores the transaction request in Queue format.

Then, the customer information confirmation unit 56 associated with the mobile communication company data unit 58 determines the authenticity of the buyer mobile phone and the seller mobile phone.

The purchase limit or balance of the purchaser is confirmed by the limit / balance checking unit 60 through the mobile account 62 which is a virtual account of the buyer linked to the real name account of the commercial bank or credit card company 64.

If the limit / balance check unit 60 determines that the mobile account 62 is enough to purchase, the authentication number generator 66 generates an authentication number.

The generated authentication number is transmitted as a message to the purchaser mobile phone 10 through the output server 70 and the SMS server 72.

In addition, the generated authentication number is input to the transaction history server 68 and temporarily stored.

When the buyer receives the authentication number, the authentication number is entered into the payment system again, and the user section 52 confirms that the buyer is already a buyer, and the transaction history server 68 displays the already issued authentication number and the entered authentication number. In contrast, if correct, the mobile account 62 authenticates the settlement.

In addition, the transaction history server 68 transmits the transaction completion as a message to the seller mobile phone 20 through the output server 70 and the SMS server 72. Of course, it can also inform the buyer mobile phone (10).

As described above, the payment system and the method using the mobile phone according to the present invention, unlike the existing mobile phone payment method, simple payment as well as can be earned, regardless of whether the Internet environment whether to make a small payment conveniently offline It can be utilized.

In addition, since the mobile phone itself acts as an approver for the credit card, a separate approval system is unnecessary.

As a difference between the present invention and the credit card, the present invention does not require an approval system, and can immediately prevent unauthorized use by immediately verifying an authentication number through a mobile phone SMS. There is an advantage not to see.

Furthermore, the present invention does not have to carry cash in a purse or carry small change, and it is possible to trade as well as to trade between individuals (eg, allowance payment, service fee payment).

What has been described above is just one embodiment for implementing the payment system and the method using a mobile phone according to the present invention, the present invention is not limited to the above-described embodiment, as claimed in the following claims As described above, any person having ordinary knowledge in the field of the present invention without departing from the gist of the present invention will have the technical spirit of the present invention to the extent that various modifications can be made.

Claims (2)

The purchaser mobile phone 10 and the seller mobile phone 20 is made by the payment system 50, the payment system 50 is User section 52, which is a processor for buyer checks that is created when a buyer initiates a transaction, An input server 54 for storing a request for a transaction in the form of a QUEUE to serve multiple users, A customer information verification unit 56 associated with the mobile carrier data unit 58 to confirm the authenticity of the mobile phone number of the buyer and seller; A mobile account 62 serving as a virtual account of a buyer linked to a real name account of a commercial bank or credit card company 64, A limit / balance checking unit 60 for checking the balance or credit limit of the mobile account 62 to determine whether the transaction is possible or not; Authentication number generation unit 66 for generating a number for identity verification and approval at the time of the transaction, Transaction history server 68 for changing the virtual account of the buyer and the seller after confirming this, if the re-transmission of the authentication number received by the buyer later to the system that temporarily stores the transaction history and the authentication number applied by the buyer, Output server 70 for managing the authentication number and message to be delivered to the buyer and seller, SMS server with short message service (72) Payment system using a mobile phone, characterized in that consisting of. A purchaser accessing a predetermined payment system 50 using his mobile phone 10 to input a seller mobile phone number and amount; The payment system 50 recognizes the purchaser's mobile number in the user section 52 to determine whether it is a phone number of new or existing data, and In the case of a new mobile phone number, the step of storing the transaction request in the queue form in the input server 54, Determining the authenticity of the purchaser's mobile phone and the seller's mobile phone by the customer information checking unit 56 associated with the mobile communication company data unit 58; Confirming the purchase limit or balance of the purchaser in the limit / balance checking unit 60 through the mobile account 62 which is the virtual account of the buyer associated with the real name account of the commercial bank or credit card company 64; If the limit / balance check unit 60 determines that the mobile account 62 is enough to purchase, the step of generating the authentication number in the authentication number generation unit 66, The generated authentication number is delivered as a message to the purchaser mobile phone 10 through the output server 70 and the SMS server 72, and the generated authentication number is entered into the transaction history server 68 and temporarily stored; , When the buyer receives the authentication number, the authentication number is entered into the payment system again, and the user section 52 confirms that the buyer is already a buyer, and the transaction history server 68 displays the already issued authentication number and the entered authentication number. In preparation, authenticating the settlement to be made in the mobile account 62 if correct, The transaction history server 68 transmits the transaction completion as a message to the seller mobile phone 20 through the output server 70 and the SMS server 72. Payment method using a mobile phone, characterized in that consisting of.