KR20030068844A - Method for paying and managing personal information using a cellular phone - Google Patents

Abstract

PURPOSE: A method for paying a price and managing personal information is provided to pay a price with respect to a commodity or a service using a mobile communication terminal although an additional payment unit is not possessed and to manage the latest information with respect to a user. CONSTITUTION: A contents provider(210) supplies commodity information to a payment server(220)(225). A mobile communication terminal(110) is combined with the payment server(220) in accordance with a request of a user through a communication network(230). The payment server(220) transmits commodity information to a user terminal(235). If a purchase request is inputted from a user, the mobile communication terminal(110) transmits the inputted purchase request information to the payment server(220) through a communication network(240). The payment server(220) transmits payment request information of the user through the mobile communication terminal(110)(245). The mobile communication terminal(110) executes a payment program for detecting payment information stored in an individual information management module(120)(250). The mobile communication terminal(110) requests payment information to the individual information management module(120) using a tag received from the payment server(220)(255). The individual information management module(120) detects payment information(260) and transmits the detected payment information to the mobile communication terminal(110)(260). The mobile communication terminal(110) transmits the payment information detected from the individual information management module(120) to the payment server(220)(270). The mobile communication terminal(110) receives an inherent number from the user(280) and transmits the inherent number to the payment server(220)(280). The payment server(220) checks whether the received inherent number is valid(285). If the received inherent number is valid(290), the payment server(220) transmits a processing result with respect to the commodity purchase to the mobile communication terminal(110)(295).

Description

Payment and personal information management method using mobile communication terminal {METHOD FOR PAYING AND MANAGING PERSONAL INFORMATION USING A CELLULAR PHONE}

The present invention relates to a method of payment and personal information management using a mobile communication terminal, and in particular, even if a separate payment means can be used to pay for goods or services using a mobile communication terminal, The present invention relates to a payment method and a personal information management method using a mobile communication terminal that enables management of latest information.

Since the first appearance of credit cards in the 20th century, the types of cards that users can use are not only credit cards, but also cash cards, department cards, and securities cards.

In addition, such a credit card (or cash card) is also used in combination with an identification card or student ID card, and in recent years, due to the user's convenience, stability, versatility, etc. called interest in IC cards and smart cards Is increasing.

IC card is a 0.5mm thick semiconductor chip (IC chip) attached to a plastic with the size and thickness of a credit card in the form of a COB (Chip On Board), which is safer and more secure than an existing magnetic strip. It has the advantage of high performance and no fear of data being erased.

IC cards are generally divided into two types: smart cards and memory cards. Smart cards have a special secure cryptographic processor, microprocessor, memory, and chip operating system (COP) inside the chip. In addition, the memory card has a password protection function and a kill bit logic function during external operation. Among the memory cards, there is a wired logic memory card that can only be reduced by a special logic circuit. There are also cards that combine the best of smart cards and memory cards, such as Combi cards.

The IC card is implemented not only in the form of a contact type IC card, but also in the form of a wireless contactless card, and a type of a wireless contactless card includes a CICC (Contactless IC Card) and a RCCC (Remote Coupling Communication Card). CICC and RCCC are standardized to ISO DIS 10536. The detection distance of CICC is 1/2 inch range, and RCCC can recognize cards at a distance of about 700cm.

In addition, the IC chip generally uses a power supply terminal (Vcc) for power supply, a reset terminal (RST) for inputting a reset signal, a clock terminal (CLK), two spare terminals (RFU), a ground terminal (GND), and no use. It includes eight terminals consisting of terminals or programming voltage terminals (Vpp) and data input / output terminals (I / O).

In addition, in recent years, transportation cards that allow users to use transportation even if they do not have cash are not only common, but also due to the rapid development of the electronic and computer industries, RF cards using Radio Frequency, Smart cards have been developed and used as a means of payment for public transportation.

However, in the conventional IC card, only information input at the time of IC card generation at the request of the user is fixed as usable information, so that personal information, customer rating, etc. of the user changed after card issuance can be continuously updated and managed. There was a problem that could not be.

In addition, the conventional credit card was inconvenient to input information such as unique number, expiration date, password, etc. of the credit card whenever necessary when the user purchases or uses the service using a cyber shopping mall. .

In addition, a conventional credit card does not have sufficient protection to prevent a third party who acquires a credit card from purchasing a product at a cyber shopping mall or a spot store when the user loses the credit card. There was a problem that a huge loss occurs.

In addition, conventionally, in order to receive a discount benefit when a user purchases an item in a cyber shopping mall or a spot store, the user must separately carry a discount coupon or a customer card, and if not, a user who can receive a discount benefit, etc. Even though there was a discomfort that could not be provided discounts.

Accordingly, an object of the present invention is to update and manage not only the information input at the time of payment means creation at the request of the customer, but also the personal information, customer rating, etc. of the changed user even after issuing the payment means, so that the payment means is once If it is issued, it will be discarded or the membership will be canceled before a separate re-issuance process is provided, and a payment method and a personal information management method using a mobile communication terminal can be used according to a desired purpose according to a desired purpose.

Another object of the present invention is to purchase goods by simply selecting the desired goods or services when the user purchases the goods or uses the service using a cyber shopping mall, even if the user does not input a unique number, an expiration date, etc. of the payment means separately. The present invention provides a method of payment and personal information management using a mobile communication terminal capable of completing one-click purchase of goods.

It is still another object of the present invention to provide a sufficient protection device for preventing a third party who acquires a credit card from a user who purchases it at a cyber shopping mall or a spot store when the user loses the credit card. The present invention provides a method of payment and personal information management using a mobile communication terminal that enables independent protection device setting by a user.

According to another object of the present invention, when a user is provided with a discount coupon through the Internet, in-store, etc., if the user downloads it to a mobile communication terminal or performs a separate input and storage process, the discount is available at the time of purchase of the goods later. The present invention provides a method of payment and personal information management using a mobile communication terminal, which enables a user to receive discount benefits even without a coupon.

1A is a diagram illustrating a configuration of a personal information management module and a communication device coupled thereto according to the present invention.

1B is a view showing contact characteristics between a personal information management module and a communication device coupled thereto according to the present invention.

1C is a diagram illustrating a case where a personal information management module according to the present invention is combined with a mobile communication terminal.

2 is a diagram illustrating a method of purchasing goods using a cyber shopping mall according to an exemplary embodiment of the present invention.

3 is a diagram illustrating a method of purchasing goods using a spot shop according to an embodiment of the present invention.

4 is a flowchart illustrating a process of registering additional information through a communication network according to an embodiment of the present invention.

5 is a flowchart illustrating a method of automatically applying a coupon when purchasing an item according to an exemplary embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

110: mobile communication terminal 120: personal information management module

132: control unit 134: terminal system storage unit

136: first transceiver 138: second transceiver

142: module control unit 144: module transceiver

146: personal information storage unit 210: content provider

220: payment server 310: POS terminal

410: Coupon Offer System

In order to achieve the above object, according to an aspect of the present invention, in the method for the communication device to pay the cost in the cyber shopping mall using a personal information management module coupled to the communication device, the article information providing server via a communication network Connecting to a computer, receiving at least one item of information from the item information providing server, displaying the item information on a display unit coupled with the communication device, and corresponding to at least one item of information from a user. Receiving a purchase request, transmitting the purchase request to a payment server through a communication network, and receiving a payment information request from the payment server, wherein the payment request information is stored in the personal information management module. Can contain predefined tag data to detect information); Executing an application corresponding to the tag data, detecting the payment information from the personal information management module by an operation of the application, and transmitting the detected payment information to the payment server through a communication network. Transmitting the request to the user, receiving a request for inputting a unique number from the payment server, and receiving a predetermined unique number from the user (the unique number may include a PIN number, a password, a phone number, a social security number, etc.). And a step of transmitting the unique number to the payment server through a communication network, and receiving a processing result corresponding to the purchase request from the payment server. Is provided, and enables execution of a payment method using the communication device. A communication device, a personal information management module, a payment server, and a recording medium are provided.

The personal information management module may be separated from the communication device, and the payment server and the article information providing server may be configured as one server including both functions.

Receiving a payment information request from the payment server, the step of receiving a payment method selection request from the payment server (the payment means may include bank account deposit, credit purchase, Jiro usage method, bank transfer, etc.) and Receiving input of payment means selection information corresponding to the credit purchase from the user, transmitting the payment means selection information to the payment server through a communication network, and corresponding to the payment means selection information from the payment server. Receiving a request for payment information may include, the payment information may be applied to the credit card company, credit card number, expiration date, password, and the like.

Receiving a processing result corresponding to the purchase request from the payment server, the step of receiving a loyalty selection request from the payment server, and the loyalty selection information corresponding to the loyalty selection request from the user Receiving an input, transmitting the loyalty selection information to the payment server through a communication network, and receiving a processing result corresponding to the purchase request from the payment server. It may be a preset criterion to provide discount benefits, free benefits, accumulated benefits, etc. to the user.

The payment server transmitting the payment information and the unique number to a card company server coupled through a communication network to transmit the processing result to the communication device, receiving the processing result from the card company server; And transmitting the received processing result to the communication device through a communication network.

According to another preferred embodiment of the present invention, a method of performing a payment in a spot store by a communication device using a personal information management module coupled to the communication device, the method comprising: receiving a predetermined button by a user; Receiving a first unique number from the user, and detecting a second unique number stored in the personal information management module (a first tag previously designated to detect a second unique number stored in the personal information management module). (Tag) data may be used), and when the first unique number and the second unique number match, switching the state information of the communication device to the payment information providing state, and disconnecting the communication network from the POS terminal. Receiving a request for checking status information through the request; and transmitting status information indicating the payment information providing status to the POS terminal. Receiving a payment information request from the POS terminal (the payment request information may include second tag data that is pre-specified for detecting payment information stored in the personal information management module); Executing an application corresponding to the second tag data, detecting the payment information from the personal information management module by an operation of the application, and transmitting the detected payment information through a communication network. Transmitting to the POS terminal, receiving a state change request from the POS terminal, and converting the state information of the communication device into a payment information providing suppressed state using the state change request (state of the communication device). A third party pre-specified tag data may be used to change the information). This payment method is provided with a communication device, a personal information management module, POS terminal, a payment server, a recording medium is provided for enabling the implementation of the payment methods using art communication device.

According to another preferred embodiment of the present invention, a method for updating and managing user information stored in a personal information management module coupled with the communication device, the method comprising: receiving a predetermined button from a user; Displaying a personal information input screen on a display unit coupled to a communication device, receiving personal information from the user (the personal information may include financial information, coupon data, customer rating information, etc.), and There is provided a personal information management method using a communication device, comprising: receiving a storage request from a user; and storing the input personal information in the personal information management module corresponding to the storage request. Communication device, personal information management module, which enables to perform the personal information management method, A payment server or the like is provided.

In the case of storing the personal information, tag data designated in advance to store data input by the user may be used, and the personal information management module may be separated from the communication device.

According to another preferred embodiment of the present invention, a method of updating and managing user information stored in a personal information management module coupled to the communication device, the method comprising: accessing a server through a communication network; Receiving personal information transmitted from the personal information (the personal information may include financial information, coupon data, customer rating information, etc.), receiving a storage request from a user corresponding to the personal information, and storing the personal information. There is provided a personal information management method using a communication device, the method comprising: storing the input personal information in the personal information management module in response to a request, wherein the communication is enabled to perform a personal information management method using the communication device. A device, a personal information management module, a payment server, and a recording medium are provided.

According to still another preferred embodiment of the present invention, there is provided a method for allowing coupon data stored in a personal information management module to be used through a communication device, the method comprising: connecting to an item information providing server through a communication network; Receiving at least one item of information, displaying the item information on a display unit coupled with the communication device, receiving a purchase request corresponding to the at least one item of information from a user, and managing the personal information Checking whether there is available coupon data corresponding to the purchase request among at least one coupon data stored in the module; and when the coupon data exists, the coupon data and payment information are communicated to the payment server. Transmitting through the payment server; Receiving the coupon data usage information; and updating history information of the coupon data corresponding to the coupon data usage information among at least one coupon data included in the personal information management module. Provided is a method for automatically applying coupon data to be used, and a communication device, a personal information management module, a payment server, a POS terminal, and a recording medium for enabling execution of the method for automatically applying coupon data using the communication device are provided.

The updating of the history information of the coupon data corresponding to the coupon data usage information may include searching for the coupon data among at least one coupon data stored in the personal information management module, and corresponding to the retrieved coupon data. When the coupon data usage information is satisfied in a predetermined use condition, the coupon data may be removed, and the use count condition, use period condition, and the like may be applied as the use condition.

According to another aspect of the present invention, in the apparatus for performing a financial service using a user information stored in advance, comprising at least one of financial information, coupon data, personal orientation information, customer rating information A personal information management module for storing and managing user information, and a communication device coupled to the personal information management module and performing the financial service using the user information stored in the personal information management module at the request of a user. A communication device capable of performing a financial service is provided.

The user information may be downloaded from a server coupled with a communication network or updated through input of the user information of the user, and the personal information management module may be used universally for at least one user terminal.

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

In the description of the payment method and the personal information management method using the mobile communication terminal according to the present invention will be described based on the case where the IC chip is embedded in the mobile communication terminal. However, any device capable of storing and managing financial information, personal information, etc. of a user other than the IC chip may be applied in place of the IC chip without any limitation.

In addition, in the present specification, a case in which the user uses a mobile communication terminal for use in a billing or the like will be described. However, a communication device including a communication function (for example, a PDA, a notebook computer, etc.) will be described. If the ramen can be similarly applied using the method described below. However, in the following description of the present invention, a terminal used by a user in order to avoid duplication of description will be described with reference to a case of a mobile communication terminal.

FIG. 1A is a diagram illustrating a configuration of a personal information management module and a communication device coupled thereto according to the present invention, and FIG. 1B is a view illustrating contact characteristics between the personal information management module and the communication device coupled thereto according to the present invention. 1c is a diagram illustrating a case where the personal information management module according to the present invention is combined with a mobile communication terminal.

FIG. 1A shows a configuration and a coupling relationship between the mobile communication terminal 110 and a personal information management module (ie, an apparatus that accumulates personal information, additional information, etc., such as an IC chip).

Referring to FIG. 1A, the mobile communication terminal 110 may include a controller 132, a terminal system storage 134, a first transceiver 136, and a second transceiver 138, and manage personal information. The module 120 may include a module controller 142, a module transceiver 144, a personal information storage unit 146, and the like.

The personal information storage unit 146 may store the user's credit card information (for example, card number, password, etc.), customer rating information, bank account information, etc., in addition to the user (ie, mobile communication service subscriber) Phone number information, a unique number of the personal information management module 120 itself (for example, an ESN number, etc.) may be further stored.

In addition, although not shown in FIG. 1, the mobile communication terminal 110 or the personal information management module 120 further includes an information manager configured to update or modify related information stored in the personal information storage unit 146. The personal information storage unit 146 may be divided into a plurality of independent storage units according to each information division (for example, payment means information, personal information, customer rating related information, additional information such as a discount coupon, etc.). have.

The process in which the personal information management module 120 is combined with the user's mobile communication terminal 110 and applied to the use of goods purchase, service use, etc. will be described in detail with reference to the related drawings.

Hereinafter, the contact characteristics between the personal information management module and the communication device coupled thereto will be described with reference to FIG. 1B.

For example, referring to the reference standard for creating the personal information management module 120, the appearance and format of the personal information management module 120 conforms to the specification of ID-1 SIM or Plug-in SIM described in Section 4.1 of GSM 11.11. The location and interface of the contact point according to the standards of ISO-7816-1,2 and GSM 11.11, the mobile communication terminal 110 connects the personal information management module 120 according to ISO-7816-3 , Action, action can be stopped.

Of course, when the personal information management module 120 is generated in a form applicable to various uses (for example, a user identity module (UIM) card, subscriber identity module (SIM) card, credit card, etc.), each reference standard Of course, it can be produced to suit.

As described above, the personal information management module 120 and the mobile communication terminal 110 coupled to the personal information management module 120 are provided with the same number of contacts (eight each).

For example, the use of each contact illustrated in FIG. 1B will be briefly described in the case where the specifications of GSM 11.11 and GSM 11.12 are adopted. C1 is a contact for supplying a supply voltage (Vcc), and C2 is a reset (RST). ) Is a contact point for performance, and C3 is a contact point for providing a clock. In addition, C5 is a contact for ground (GND), C6 is a contact for the programming voltage (Vpp), C7 is a contact for input and output (I / O) for the actual data transmission and reception. In addition, C4 and C8 may be omitted and may be selectively used in some cases.

However, if the reference standard for generating the personal information management module 120 is changed, the use or quantity of each contact point may vary.

In addition, the data format of the information stored in the personal information storage unit 320 in the personal information management module 120 may be determined according to the basic standard.

For example, if GSM 11.11 is applied to the logical structure, each file has a predetermined hierarchical structure. There are three types of files, and the OS manages data with different files. Each file is composed of a header and a body part. The header part has information related to the structure and attributes of the file, and the body part has real data.

Even in this case, when a separate reference standard is adopted, each data may be set to have a different data format.

1C illustrates a case in which the personal information management module according to the present invention is combined with a mobile communication terminal.

That is, a terminal (ie, a contact point) for coupling the personal information management module 120 to the rear of the mobile communication terminal 110 is provided, and the terminal of the personal information management module 120 is connected to the rear of the mobile communication terminal 110. By coupling the battery 160 to the back of the mobile communication terminal 110 after the coupling to the terminal of the predetermined form, the user can store the relevant information stored in the personal information management module 120 through the mobile communication terminal 110. It can be used to meet the desired purpose.

Therefore, the user only needs to combine the personal information management module 120 storing the related information such as credit card information with the mobile communication terminal 110, even if the user does not have a credit card or a discount coupon. 110 can be used as a suitable use for the desired purpose. A method for a user to purchase an item using the mobile communication terminal 110 and a method to receive a benefit using a discount coupon will be described in detail with reference to the accompanying drawings.

2 is a diagram illustrating a method of purchasing goods using a cyber shopping mall according to an exemplary embodiment of the present invention.

Referring to FIG. 2, in step 225, a content provider (eg, a cyber shopping mall operator, a wholesaler, etc.) 210 transmits item information (eg, item specification, item price, transportation method, etc.) to the payment server 220. ).

In step 225, the content provider 210 may provide a product information to the payment server 220, and may use a real-time providing method online or a batch or item providing method using offline.

The payment server 220 according to the present invention may be a server that merely performs a payment function of an item price, but in some cases, a cyber shopping mall server or a user that receives goods information from a plurality of content providers 210 and sells the goods. When a payment server connection request is received from the mobile terminal 110, the information about the goods received from the content provider 210 in real time is first transmitted to the mobile communication terminal 110 (for example, the user's mobile communication terminal and an arbitrary content provider). It is possible to use a method such that the server is coupled through a communication network, etc.) When a purchase request is received from the mobile communication terminal 110 may be variously applied as a server for performing a payment operation.

However, in describing the preferred embodiment of the present invention through FIG. 2, when the payment server 220 receives the item information from the plurality of content providers 210 and sells it to a plurality of users and performs a payment operation, In other words, the article information providing function (e.g., generally performed through the goods information providing server) and payment function (e.g., generally performed through the payment server) mainly including the case Let's explain. Of course, the payment server 220 may perform only a transmission and reception function such as data (for example, payment information and approval information) for performing the payment function, and the payment function may be performed through a separate credit card company server or the like. .

In operation 230, the mobile communication terminal 110 combines with the payment server 220 through a communication network according to a user's request. In this case, a web browser function installed in the mobile communication terminal 110 may be used to allow the mobile communication terminal 110 and the payment server 220 to be coupled through a communication network.

The payment server 220 transmits at least one item information to the user terminal through step 235.

When a purchase request for any item is input from the user, the mobile communication terminal 110 transmits the input purchase request information to the payment server 220 through the communication network (240).

In operation 245, the payment server 220 transmits a request for payment information of the user required for purchasing the item to the mobile communication terminal 110 that transmits the purchase request.

Of course, before step 245, the user may further include inquiring which payment means to use to purchase the item, and allowing the user to perform an operation accordingly.

That is, the payment server 220 to select a method (for example, 1. bank transfer, 2. credit card, 3. giro paper, etc.) to use as a payment method for the purchase of the goods through the communication network; If the mobile communication terminal 110 receives selection information (e.g., 1. bank transfer, etc.) for a payment method other than a credit card, related information (for example, bank name, account number, price of goods, etc.). ) May be further transmitted to the mobile communication terminal 110 through the communication network so that related information is displayed on the display unit of the mobile communication terminal. Of course, if the user selects a payment request item using a credit card, the process will be performed in the same manner as shown in FIG.

In step 250, the mobile communication terminal 110 executes a payment program that is pre-installed to detect payment information (eg, a credit card unique number, an expiration date, etc.) stored in the personal information management module 120.

The payment program according to the present invention is for efficiently managing the information of the applications stored in the personal information management module 120 and may be generated to satisfy the specifications of the EMV (EuropayMasterCard Visa). EMV (Europay MasterCard Visa) is an international standard adopted by card brands such as Europay, MasterCard, and Visa to accept credit and debit functions in the next generation payment environment based on IC cards.

That is, the payment program exchanges a series of instructions (for example, Select DDF (Directory Dedication File), Read Data, etc.) with the personal information management module 120, and constructs a parsing tree through parsing. And so on.

As an example, the parsing process is described. When a Flux Changes per Inch (FCI) is received from the personal information management module 120, a meaningful tag TAG, 6Fh, 84h, etc. is read. As shown in Table 1, it can be referred to as a process of reading information (value) by cutting to an appropriate length.

<Table 1> Example of TAG

TAG Length Value '6Fh' var FCI Template '84h' 14 1PAY.SYS.DDF01 'A5h' var FCI Proprietary Template '88h' One SFI of the Payment Directory EF

<Table 2> Example of Personalization (All Values are Hexadecimal)

1A 17 55 17 6F 15 84 0E 31 50 41 59 2E 53 59 53 2E 44 44 46 30 31 A5 03 88 01 01

In this case, in order to operate the payment program in the mobile communication terminal 110, a predetermined tag TAG may be transmitted together with the credit information request from the payment server 220.

The tag TAG applied to the present invention includes a tag for reading information stored in the personal information management module 120 and the latest information in the personal information management module 120 (for example, customer rating change information and a bank). Tags may be used to allow the account history update information, etc., to be written.

Each tag (of course, may be a packet including each tag, hereinafter referred to as a tag) may be composed of a 'command area-data area-inspection area' and the like.

The command area is an area that may include a command such as 'R (read)' or 'W (write)', and the mobile communication terminal 110 may perform a necessary operation according to a command included in the command area.

The data area is an area that specifies an operation to be performed. The data area is combined with the command area to perform a necessary operation. For example, if 'R' is included in the command area and 'credit card number' is included in the data area, the mobile communication terminal can recognize the credit card number as a command.

The inspection area is an area for inspecting whether or not the data to be transmitted and received has no error during transmission. For example, to determine if an error occurred when reading, writing, or sending data, to determine if there is no error if the two values are equal compared to some value that already exists and some value calculated on the receiving side. Can be any value.

As such, the payment program described in step 250 may perform a predetermined operation in the mobile communication terminal 110 (ie, combined with the personal information management module) by this tag. Of course, even if a terminal system already installed in the mobile communication terminal 110 can perform a predetermined operation by using the above-described tag, a separate payment program may be installed.

In operation 255, the mobile communication terminal 110 requests payment information to the personal information management module 120 using the tag received from the payment server 220. In operation 260, the personal information management module 120 transmits the payment information. After the detection, the payment information detected in step 265 is transmitted to the mobile communication terminal 110.

Of course, steps 255 to 265 can be applied in a variety of ways, one of which is applicable as follows.

That is, the mobile communication terminal 110 first resets the personal information management module 120 by the operation of the payment program, and then receives a response value received from the personal information management module 120 (that is, a default state generated after the reset is completed). Check whether the reset process has completed without error.

And, if the reset process is completed without error, the mobile communication terminal 110 is the position corresponding to the tag value in the structure of the data stored in the personal information management module 120 (for example, payment means information group similar to any folder) Select.

Then, after operating the AEF (application element file) which enables the information group to detect the necessary information, desired information (for example, payment means information such as credit card information) is detected.

In operation 270, the mobile communication terminal 110 transmits the payment information detected from the personal information management module 120 to the payment server 220 through the communication network. Of course, even in this case, a web browser function stored in the mobile communication terminal 110 may be used, and an encryption process may be further included to protect the payment information from an external malicious user.

The payment server 220 transmits a unique number (PIN number, password, etc.) request to the mobile communication terminal 110 through the communication network to check whether the payment information received in step 270 is valid.

The mobile communication terminal 110 receives a unique number from the user in step 280 and transmits the unique number input in step 285 to the payment server 220 through the communication network.

The payment server 220 checks whether the unique number received through step 285 is valid.

At this time, the payment server 220 is a method for checking the validity of the unique number is a method of checking whether or not the same as the unique number (for example, PIN number) stored in the mobile communication service system, or payment And a method of performing a validity check of the unique number by transmitting the unique number to a separate credit card company server (not shown) coupled through a communication network for approval.

If it is determined that the unique number is valid as a result of the check in step 290, in step 295, the payment server 220 transmits the processing result for the purchase of the article to the mobile communication terminal 110 through the communication network.

Of course, if it is determined whether the authorization is made through a separate credit card company server as described above, the payment server 220 receives the approval result from the credit card company (or VAN company) through the communication network, and receives the received authorization result The transmission may be transmitted to the mobile communication terminal 110 through a communication network.

However, a method or process for checking the validity of payment means information through a credit card company server is generally known, so a description thereof will be omitted here.

In addition, in the payment step for the purchase of the user's goods, etc., the payment server 220 transmits the loyalty selection request to the mobile communication terminal 110 and receives the loyalty selection information from the mobile communication terminal 110. It may further include.

The loyalty applicable to the present invention can be variously applied through a customer grade or an option selection process.

For example, the applicable loyalty at any store is 5% off if it is a good customer managed by a mobile communication service system, 3% discount for an ordinary customer, and 10% discount for any card company customer. If applicable, the user can select and apply the highest loyalty. That is, if the user is an excellent customer managed by the mobile communication service system and at the same time any card company customer, the 5% discount selection item and the 10% discount selection item are simultaneously displayed on the display unit of the mobile communication terminal 110. If you select the 10% discount option, you can receive a 10% discount.

In addition, the present invention can also be used for loyalty earning and inquiry bar, the mobile communication terminal 110 receives a packet containing a new tag (TAG) from the payment server 220 for the accumulation and inquiry of royalties. The payment program is executed (or the tag is executed). In this case, in order for the tag to be used for loyalty accumulation and inquiry, an instruction to read and write is included in the packet.

Of course, even if this step is omitted, the user's customer rating (for example, whether or not it is an excellent member) or credit information (for example, whether or not any card company customer), etc. are already stored in the personal information management module 120 Naturally, the highest discount may be automatically applied.

By using the method illustrated in FIG. 2 as described above, even if the user does not input a card number or the like separately when purchasing an item or using a service, related information already stored in the personal information management module 120 is automatically transferred. It can be transmitted from the terminal 110 to the payment server 220 to enable one-click goods purchase.

3 is a diagram illustrating a product purchase method using a spot shop according to an embodiment of the present invention.

In the offline payment method using the mobile communication terminal 110, the user approaches the antenna area of the RF-POS terminal located in the spot store. Of course, in this case, a short range wireless communication method (for example, IrDA, Bluetooth, etc.) that enables data transmission and reception within a predetermined distance may be applied.

Referring to FIG. 3, in step 315, the mobile communication terminal 110 receives a predetermined hot key from a user.

In step 315, the mobile communication terminal 110 inputs a unique number (for example, a PIN number, a password registered by the user, etc.) to confirm whether the mobile terminal 110 is a legitimate user. The display is displayed on the mobile communication terminal 110.

In operation 320, the mobile communication terminal receives a predetermined unique number from the user. This unique number may not only be stored in the personal information management module 120 at the first production stage of the personal information management module 120, but may also be changed or modified later by the user's selection.

In operation 325, the mobile communication terminal 110 transmits a unique number detection request to the personal information management module 120 through a communication network. Of course, in this case, as described above, the predetermined tag may be transmitted together, or the mobile communication terminal 110 may actively perform the task designated by the tag.

The personal information management module 120 detects the unique number information stored in the personal information storage unit 146 in response to the request for detecting the unique number received in step 325 in step 330, and proceeds to step 335. To the mobile communication terminal 110.

In step 340, the mobile communication terminal 110 checks whether the unique number input in step 320 and the unique number received in step 335 match, and if so, provides payment information (i.e., credit card available state). Switch to).

However, when two unique numbers do not match, an error message may be displayed on the display unit of the mobile communication terminal 110.

In FIG. 3, the mobile communication terminal 110 confirms whether the unique information input by the user and the unique number stored in the personal information management module 120 are matched. It can also be identified within the management module 120.

That is, when the mobile communication terminal 110 transmits the personal information management module to the unique information input by the user in step 325, the personal information management module 120 stores the received unique information and the personal information storage unit 146. By checking whether the unique information matches or not, the authorization information is transmitted to the mobile communication terminal 110, and if it does not match, an error message may be transmitted.

Using a method of checking in the personal information management module 120 may be a more secure method in some cases because the unique number stored in the personal information storage unit 146 does not need to be exposed to the outside. will be.

If the state is switched to the payment information provision state (ie, credit card available state), in step 345, the user accesses the mobile communication terminal 110 into the antenna area of the POS terminal 310 located in the spot store.

In operation 350, the POS terminal 310 transmits a status information confirmation request to the mobile communication terminal 110 through a communication network. This is to confirm whether the current state of the mobile communication terminal 110 is a payment information provision state (ie, a credit card available state).

In this case, if the state of the mobile communication terminal is not in the state of providing payment information, the POS terminal 310 may request the user to input unique information.

In step 355, the mobile communication terminal 110 transmits state information (ie, payment information provision state) of the mobile communication terminal 110 to the POS terminal 310 through a communication network in response to the request for confirmation of the status information.

Steps 360 to 390 to be described below are similar to the steps described with reference to FIG. 2 and will be described briefly.

The POS terminal 310 requests payment information to the mobile communication terminal 110 in step 360, and the mobile communication terminal 110 requests payment information to the personal information management module 120 in step 365.

The personal information management module 120 retrieves payment information corresponding to the payment information request received in step 370 in step 370, and transmits the payment information retrieved in step 375 to the mobile communication terminal 110 through a communication network.

The mobile communication terminal 110 transmits payment information to the POS terminal 310 through step 380, and the POS terminal 310 transmits payment information received from the mobile communication terminal 110 through the communication network through step 385. Send to 220.

Steps 365 to 380 shown in FIG. 3 may use a method of requesting and receiving all payment information at once, and are independent for each piece of information (eg, credit card information, loyalty selection information, etc.). You can also request and receive it in a step.

The payment server 220 checks the validity of the payment information received in step 385 (the credit card company server, etc. can be used as described above), and then, through step 390, the payment result through the communication network. Transmit to POS terminal 310.

The POS terminal 310 transmits a state change request (for example, payment information provision state → payment information provision suppression state) to the mobile communication terminal 110 in step 395 since the payment step for the article or the like is completed.

In operation 398, the mobile communication terminal 110 changes the payment information provision state of the mobile communication terminal to a state in which payment information is impossible (ie, payment information provision suppression state) corresponding to the state change request received through step 395. Switch.

In step 395 to step 398, even if the user loses the mobile communication terminal 110, it is possible to suppress the indiscriminate use of the third party.

Of course, the step of identifying the unique number as described in steps 315 to 340 may be omitted by the user's selection.

4 is a flowchart illustrating a process of registering additional information through a communication network according to an embodiment of the present invention.

4 is a diagram illustrating a method in which a user downloads a discount coupon and the like through a communication network to store and manage the information in the personal information management module 120.

That is, the user uses a mobile communication terminal or an external communication device (for example, PDA, computer, etc.) to discount coupons provided from any coupon providing system (for example, cyber shopping mall, payment server, wholesaler, etc.). After discovery, it shows the process of downloading and managing the mobile communication terminal 110 of the user. However, FIG. 4 will be described with reference to a method in which the user downloads a discount coupon using the mobile communication terminal 110.

Referring to FIG. 4, in step 420, the mobile communication terminal 110 checks whether a coupon download command is input from a user.

As a result of the check in step 420, if a coupon download command is inputted, the process proceeds to step 425; Of course, while the mobile communication terminal 110 waits until a download command of the coupon or another coupon is input from the user, the user can use the mobile communication terminal 110 to use the Internet search without restriction.

In operation 425, the mobile communication terminal 110 transmits a download request to the coupon providing system 410 that provides a coupon corresponding to a coupon download command input from a user.

The coupon providing system 410 receives a download request from the mobile communication terminal 110 through the communication network, and proceeds to step 435 to transmit coupon data corresponding to the download request to the mobile communication terminal 110 through the communication network.

The coupon data according to the present invention may be, for example, item information (e.g., electronic products, etc.) that the coupon can be used, store information (e.g., cyber shopping mall URL address, business registration number, Business name, etc.), the purpose of using the coupon (for example, one free use of the service, a 10% discount on the price of the item, etc.), and if the information consists only of text, the user needs to download the coupon. This can eliminate unnecessary time loss.

In step 440, the mobile communication terminal 110 receives the coupon data from the coupon providing system 410, and proceeds to step 445 to store the received coupon data in the personal information management module 120.

In this case, as described above, an appropriate tag (eg, a tag for writing) may be used, and an operation corresponding to the tag may be performed by the mobile communication terminal 110 or the personal information management module 120. Can be performed.

As described above, the method of downloading the coupon data online and storing the coupon data in the personal information management module 120 has been described with reference to FIG. 4.

However, the coupon data registration method according to the present invention can be equally applied not only online but also offline.

For example, if a user is provided with a discount coupon at a spot store, the coupon number (ie, the serial number printed when the coupon is generated) and the like described in the discount coupon may be used as a key button of the mobile communication terminal 110. By simply inputting and storing the data, the same may be registered in the personal information management module 120 as in the case of downloading online.

In addition, the method of registering additional information according to the present invention may register and manage not only the coupon registration illustrated in FIG. 4 but also update of financial information, customer information, and the like in the same manner.

For example, the user's financial information (e.g., bank account information for card payment), membership information (e.g., customer rating information), personal information (e.g., hobby, ideal type, etc.) If there is information that needs to be updated among the information of the user, use the key button in the mobile communication terminal 110 or modify the relevant information in the website providing the information update service and download it to the mobile communication terminal 110 Information stored in the personal information management module 120 may be updated.

As such, the information stored in the personal information management module 120 can be maintained at all times as the latest information, and does not require a separate IC chip providing step, and also performs target marketing using updated user information. Can be.

5 is a flowchart illustrating a method of automatically applying a coupon when purchasing an item according to an exemplary embodiment of the present invention.

Conventionally, even if a user downloads a discount coupon to his mobile communication terminal 110, there is an inconvenience to search for and present a suitable discount coupon at the time of purchase.

However, by using the automatic coupon application method according to the present invention, even if the user forgets the existence of the coupon already stored in the mobile communication terminal 110, it is possible to automatically apply the appropriate coupon at the time of purchase of the goods, the user This can eliminate the inconvenience of having to search for the necessary coupon.

However, in describing the automatic coupon application method with reference to FIG. 5, the article information searching step, the payment information providing step, etc. have already been described above, and thus a detailed description thereof will be omitted.

In addition, the automatic coupon application method according to the present invention can be applied not only to the purchase of goods through online, but also to the purchase of goods through offline, etc., but the description of each step is duplicated, so here only the case of purchasing goods through online It will be described with reference to.

Referring to FIG. 5, in step 510, the mobile communication terminal 110 checks whether a purchase request (or a request for use of a service) for an item is input from a user.

In step 510, if an item purchase request is input from the user, the process proceeds to step 515; otherwise, it waits until a purchase input is requested in step 510.

In step 515, the mobile communication terminal 110 checks whether there is a coupon data stored in advance so as to be usable in accordance with the item selected by the user.

In this case, the mobile communication terminal 110 may use the type (eg, electronic product), store information, etc. of the item selected by the user to check whether there is available coupon data.

If there is available coupon data through the inspection of step 515, the process proceeds to step 520, after retrieving the appropriate coupon data, the process proceeds to step 525, otherwise the process proceeds directly to step 525.

In step 525, the mobile communication terminal 110 transmits payment information (and coupon data) for payment at the time of purchase to the payment server 220 through the communication network.

In operation 530, the payment server 220 receives payment information (and coupon data) from the mobile communication terminal 110 through a communication network. In operation 530, the payment server 220 receives not only payment information but also payment information. Check if the coupon data is also included.

If coupon data is also received through the inspection of step 535, the process proceeds to step 540, and if not, the process proceeds to step 560.

In operation 540, the payment server 220 grants a benefit according to the coupon. That is, if the coupon gives a 5% discount and the purchase price of the article is 10,000 won, the purchase price of the article is calculated as 9,500 won by applying the coupon.

In operation 545, the payment server 220 transmits usage information about the coupon to the mobile communication terminal 110 through a communication network.

The mobile communication terminal 110 receives the coupon use information from the payment server 220 through step 550, and proceeds to step 555 to update the coupon data corresponding to the coupon use information.

That is, if the number of available coupon data is designated only once, the information related to the coupon data is deleted or updated with information that the coupon data has already been used. Of course, if the coupon data is available for a predetermined period of time (for example, one year), etc. may not be renewed until the specified period has elapsed.

Thereafter, in step 560, the payment server 220 performs the payment processing according to the purchase of the item using the payment information received from the mobile communication terminal 110. At this time, as described above, it can be processed to be a differential amount with respect to the use of the coupon.

The present invention is not limited to the above embodiments, and many variations are possible by those skilled in the art within the spirit of the present invention.

As described above, the present invention can continuously update and manage not only the information input at the time of payment means generation at the request of the customer, but also the personal information, customer grade, etc. of the changed user even after issuance of the payment means. Once issued, the payment method can be used for any purpose without the need for a separate reissue process prior to the termination or termination of membership.

In addition, in the present invention, when a user purchases an item or uses a service by using a cyber shopping mall, the user only selects the desired item or service even if the user does not input a unique number, an expiration date, etc. of the payment means. Can be completed to enable one-click purchase of goods.

In addition, the present invention can provide a sufficient protection device for preventing a third party who acquires the credit card from purchasing a product in a cyber shopping mall or a spot store when the user loses the credit card. It is possible to set up an independent protective device.

In addition, when the user is provided with a discount coupon through the Internet, in-store, etc., if the user downloads it to a mobile communication terminal or performs a separate input and storage process, the present invention possesses the discount coupon at the time of purchase of goods, etc. You can get discounts even if you are not there.

Claims (12)

In the method for the communication device to pay the cost in the cyber shopping mall using a personal information management module coupled to the communication device, Connecting to an article information providing server through a communication network; Receiving at least one item information from the item information providing server; Displaying the article information on a display unit coupled with the communication device; Receiving a purchase request for any item selected from a user; Transmitting the purchase request to a payment server through a communication network; Receiving a payment information request from the payment server, wherein the payment request information includes tag data designated in advance for detecting payment information stored in the personal information management module; Executing an application corresponding to the tag data; Detecting the payment information from the personal information management module by the operation of the application; Transmitting the detected payment information to the payment server through a communication network; Receiving a request for inputting a unique number from the payment server; Receiving a predetermined predetermined number from the user, wherein the unique number is at least one of a PIN number, a password, a phone number, and a social security number; Transmitting the unique number to the payment server through a communication network; Receiving a processing result corresponding to the purchase request from the payment server Including, The personal information management module may be separated from the communication device, The article information providing server provides article information through at least one of the communication device and the payment server coupled through a communication network. When the payment request is received from the communication device, the payment server recognizes the price and specification of the goods corresponding to the purchase request, and performs the payment process of the goods using the payment information. Payment method using a communication device characterized in that. The method of claim 1, Receiving a payment information request from the payment server, Receiving a payment means selection request from the payment server, wherein the payment means includes at least one of bank deposit, credit purchase, giro usage, and bank transfer; Receiving payment means selection information corresponding to the credit purchase from the user; Transmitting the payment means selection information to the payment server through a communication network; Receiving a payment information request corresponding to the payment means selection information from the payment server; Including, The payment information includes at least one of a credit card company, credit card number, expiration date, password Payment method using a communication device characterized in that. The method of claim 1, Receiving a processing result corresponding to the purchase request from the payment server, Receiving a request for selecting a loyalty from the payment server; Receiving royalty selection information corresponding to the loyalty selection request from the user; Transmitting the loyalty selection information to the payment server through a communication network; Receiving a processing result corresponding to the purchase request from the payment server Including, The loyalty is a preset criterion to provide at least one benefit of the discount, free, and accumulated benefits to the user. Payment method using a communication device characterized in that. The method of claim 1, The payment server to transmit the processing result to the communication device, Transmitting the payment information and the unique number to a card company server coupled through a communication network; Receiving the processing result from the card company server; Transmitting the received processing result to the communication device through a communication network. Payment method using a communication device, characterized in that for executing. The method of claim 1, The article information providing server and the payment server are one server Payment method using a communication device characterized in that. In the method for the communication device to pay the cost in kind store using a personal information management module coupled to the communication device, Receiving a predetermined button by a user; Receiving a first unique number from the user; Detecting a second unique number stored in the personal information management module, wherein first predetermined tag data is used to detect a second unique number stored in the personal information management module; Converting state information of the communication device to a payment information providing state when the first unique number and the second unique number match; Receiving a request for checking status information from a POS terminal through a communication network; Transmitting status information indicating the payment information providing status to the POS terminal; Receiving a payment information request from the POS terminal, wherein the payment request information includes second tag data previously designated to detect payment information stored in the personal information management module; Executing an application corresponding to the second tag data; Detecting the payment information from the personal information management module by the operation of the application; Transmitting the detected payment information to the POS terminal through a communication network; Receiving a state change request from the POS terminal; Transitioning the state information of the communication device to the payment information provision suppressed state by using the state change request, wherein predetermined third tag data is used to change the state information of the communication device; Including, The personal information management module can be separated from the communication device Payment method using a communication device characterized in that. A method for updating and managing user information stored in a personal information management module coupled to a communication device, the communication device comprising: Receiving a predetermined button from a user; Displaying a personal information input screen on a display unit coupled to the communication device; Receiving personal information from the user, wherein the personal information includes at least one of financial information, coupon data, and customer rating information; Receiving a request for storage from the user; Storing the input personal information in the personal information management module corresponding to the storage request. Including, In the case of storing the personal information, tag data designated in advance to store data input by the user is used, The personal information management module can be separated from the communication device Personal information management method using a communication device characterized in that. A method for updating and managing user information stored in a personal information management module coupled to a communication device, the communication device comprising: Accessing a server through a communication network; Receiving personal information transmitted from the server, wherein the personal information includes at least one of financial information, coupon data, and customer rating information; Receiving a request for storage from a user corresponding to the personal information; Storing the input personal information in the personal information management module corresponding to the storage request. Including, In the case of storing the personal information, tag data designated in advance to store data input by the user is used, The personal information management module can be separated from the communication device Personal information management method using a communication device characterized in that. In the method for allowing coupon data stored in the personal information management module to be used through a communication device, Connecting to an article information providing server through a communication network; Receiving at least one item information from the item information providing server; Displaying the article information on a display unit coupled with the communication device; Receiving a purchase request corresponding to at least one item information from a user; Checking whether there is available coupon data corresponding to the purchase request among at least one coupon data stored in the personal information management module; If the coupon data exists, transmitting the coupon data and payment information to the payment server through a communication network; Receiving the coupon data usage information from the payment server; Updating history information of the coupon data corresponding to the coupon data usage information among at least one coupon data included in the personal information management module. Including, The personal information management module can be separated from the communication device Automatic coupon data application method using a communication device characterized in that. The method of claim 9, The updating of the history information of the coupon data corresponding to the coupon data usage information may include: Retrieving the coupon data from at least one coupon data stored in the personal information management module; Removing the coupon data when the coupon data usage information is satisfied in a predetermined use condition corresponding to the retrieved coupon data. Including, The use condition includes at least one of a use count condition and a use period condition Automatic coupon data application method using a communication device characterized in that. An apparatus for performing a financial service using user information stored in advance, A personal information management module for storing and managing the user information including at least one of financial information, coupon data, personal propensity information, and customer rating information; A communication device coupled to the personal information management module and performing the financial service using the user information stored in the personal information management module at the request of a user. Including, The user information may be downloaded from a server coupled with a communication network or updated through input of the user information of a user, The personal information management module can be used universally in at least one of the user terminal Communication device capable of performing a financial service, characterized in that. In the personal information management module to enable the financial services in combination with the communication device, Store user information including at least one of financial information, coupon data, personal propensity information, and customer rating information, and provide user information requested from the communication device to the communication device; A personal information management module capable of updating the user information by using a device.