KR20030082090A - System and method of electronic payment - Google Patents

Abstract

PURPOSE: An electronic payment method and system is provided to enable a user to make payment for a commodity or a service by using a mobile terminal without informing a seller or others of a credit card number or expiration date. CONSTITUTION: The method comprises several steps. A user selects a commodity, a service or content at a seller server over the wired or wireless internet, and inputs a mobile terminal number for making payment(S100). The server transmits transaction data and mobile terminal number to a payment gateway(S101). The payment gateway generates a random number and transmits the random number to the mobile terminal by using the transmitted number(S102). The user inputs the transmitted random number at the seller server(S103), and the seller server transmits the input random number to the payment gateway(S104). The payment gateway compares the transmitted number with the generated random number, and determines whether the mobile terminal number is true or false(S105). The payment gateway stores the mobile terminal number and the transaction data, and transmits a credit card number transmission request to a credit card company(S106). The user selects a credit card number and a password on a payment pop-up window(S107). The payment gateway transmits the input password to the card company, and transmits a payment confirmation message to the mobile terminal(S110).

Description

Electronic payment settlement method and system {SYSTEM AND METHOD OF ELECTRONIC PAYMENT}

The present invention relates to an electronic payment settlement method and system, and more particularly, to an electronic payment settlement method and system in which a credit card and a wireless terminal are linked.

With the development of the Internet network and the increase of netizens using the communication environment, e-commerce is rapidly developing. Credit cards are commonly used for purchasing goods or content and paying for them online or on the open line.

By the way, for example, when a user wants to pay by credit card after purchasing an item in an internet shopping mall, the seller requests to input a credit card number and a card expiration date. However, the buyer's position by exposing the credit card number and his personal information to the seller can not dispel the fear of accidents about the existing way that the seller can arbitrarily charge the goods to the credit card payment company.

Accordingly, there has been a demand for the emergence of a payment means that allows payment in post payment without informing other persons such as credit card information as a payment method for purchasing goods online or offline.

On the other hand, a payment method using a mobile phone as a payment method instead of a credit card payment payment method is disclosed in Korean Patent No. 314,174. However, the prior art is inconvenient to pay as much as a credit card due to the limitation of the limit amount that can be paid through a mobile phone.

Accordingly, a first object of the present invention is to provide a method and system for performing payment settlement with a credit card without exposing personal confidential information such as credit card number or credit card expiration date to the seller or others in performing the credit card payment. To provide.

A second object of the present invention is to provide an electronic payment method and system using a personal portable communication terminal in addition to the first object.

A third object of the present invention is to provide an electronic payment method and system that combines a value transfer function of a prepaid electronic money with a personal portable communication terminal in addition to the first object.

1 is a diagram showing the configuration of an electronic payment settlement system according to a first embodiment of the present invention.

2 is a diagram showing the configuration of an electronic payment settlement system according to a second embodiment of the present invention.

3 is a diagram showing the configuration of an electronic payment settlement system according to a third embodiment of the present invention.

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

10: user

20: Merchant or Content Provider (CP) Server

30: Payment Gateway Server (PG)

40: database server

50: Credit card company

60: Your Phone

70: smart card reader

In order to achieve the above object, the present invention provides the card number of the user to the seller server and payment gateway server in performing the payment for the commerce between the user and the seller through a card payment including a credit card or a debit card. In the electronic payment settlement system without exposing, receiving the user mobile terminal unique number and commerce history information from the seller server receiving the mobile terminal unique number of the user, the credit card company The server of the credit card company checks the credit card number linked to the mobile terminal unique number and transmits the inquiry result, thereby not exposing the credit card number of the user to the seller server or itself. Use as above That provides electronic payment system comprising a payment gateway server that is to perform card payments.

In order to achieve another object of the present invention, the present invention is to perform a transaction for the commerce between the user and the seller through the user identity module SIM (Subscriber Indentify Module) card virtual account provided in the mobile terminal of the user In the electronic payment settlement system, the mobile terminal unique number and the transaction history information of the user is received from the seller server receiving the mobile terminal unique number and product selection of the user, and stored in a database, and the SMS (mobile SMS) is sent to the mobile terminal of the user. When a callback URL is transmitted through a short message service to receive a payment agreement from a user who accesses the callback URL, the transaction details are stored in a SIM card virtual account provided in the mobile terminal of the user. To transfer the value in response to the payment, An electronic payment settlement system is provided that includes a payment gateway server that stores the data.

Hereinafter, with reference to the accompanying drawings, Figures 1 to 3 will be described in detail a preferred embodiment of the electronic payment payment technology according to the present invention.

1 is a diagram showing the configuration of an electronic payment settlement system according to a first embodiment of the present invention. The first embodiment of the present invention shown in Fig. 1 allows the user 10 to input a mobile terminal unique number, i.e., a mobile phone number, at the time of joining a credit card to a credit card company 50, thereby commerce on-line or off-line. When performing the present invention provides an electronic payment settlement model for making a credit card payment without telling the credit card number to the other seller for credit card payment.

That is, according to the first embodiment of the present invention, the credit card payment can be made without exposing the confidential matters such as the credit card number and the expiration date number of the user 10 to the seller 20 or the intermediate payment gateway server 30 at all. Make it work.

Referring to FIG. 1, a user 10 accesses the Internet or the wireless Internet using his terminal, accesses a seller or a content provider (CP) server 20, and selects a product, a service, or a content. Subsequently, the mobile terminal unique number may be input for payment of payment according to the purchased product (step S100).

In this case, the mobile terminal unique number may include a user's mobile phone number or a personal digital assistant (PDA) phone number.

As another embodiment of the present invention, a user is not necessarily limited to purchasing goods using his terminal online, but may purchase goods or content offline.

Subsequently, the seller server 20 transmits the user's mobile phone number and product information, that is, information including a transaction history or a payment, to the payment gateway server (PG) 30 (step S101).

Thereafter, the payment gateway server 30 may randomly generate and transmit an authentication number to the user's mobile phone 60 to confirm whether the mobile phone occupant is a real owner (step S102).

Subsequently, the user 10 inputs the authentication number transmitted in the short message to his mobile phone 60 into the seller server 20 (step S103), and then the seller server 20 sends the payment gateway server 30 to the payment gateway server 30. The entered authentication number is sent (step S104).

As a result, the payment gateway server 30 compares the authentication number sent from the seller server 20 with the authentication number that is randomly generated and sent out at first, and whether the mobile number entered in step S100 is false or impersonated. A procedure of confirming whether or not is performed (step S105).

Details of the above-described authentication number circulation confirmation technique (steps S102 to S105) are disclosed in the applicant's registered patent No. 314,174. In addition, the above-mentioned authentication number circulation procedure (steps S102 to S105) can be omitted as necessary.

Subsequently, the payment gateway server 30 refers to the database 40 and stores the user's mobile phone number and transaction history information received from the seller server 20. In addition, the payment gateway server 30 transmits the mobile phone number of the user to the credit card company 50 so as to transmit the credit card number corresponding to the mobile phone number (step S106).

Subsequently, the user selects his or her credit card number from the payment window provided on the homepage of the server of the seller 20 through the payment gateway server 30 and inputs a resident registration number or ID number and password for identification (step S107). .

At this time, as a preferred embodiment of the password, credit card expiration date information and the like can be input. In addition, the user's credit card number displayed in the payment window provided by the seller server 20 may be processed so that some or all of the card number is not visible, and the credit card number and other secret information are physically stored in the seller server 20 and The communication environment is provided to the user 10 while not being exposed to the payment gateway server 30.

Subsequently, the payment gateway server 30 may transmit the entered social security number and password to the credit card company server 50, and may transmit a payment confirmation short message to the user's mobile terminal 60 (step S110). At this time, the credit card company 50 server shown in FIG. 1 may include not only a credit card company but also a general financial settlement company or a financial institution including a debit card company.

2 is a diagram showing the configuration of an electronic payment settlement system according to a second embodiment of the present invention. The second embodiment of the present invention shown in Fig. 2 can be applied not only to prepaid electronic money but also to postpaid credit cards by utilizing the currency value stored in the user's mobile phone SIM card for online payment.

A second embodiment of the present invention is a mobile phone SIM equipped with application software capable of communicating via WAP and integrating the value transfer function of prepaid electronic money with the browser of a WAP PHONE. To present.

Referring to FIG. 2, the user 10 accesses a server 20 of a seller, that is, a content provider (CP) or other service seller, selects a product to purchase and inputs a mobile phone number (step S200). Subsequently, the seller server 20 transmits the user's mobile phone number and product purchase history information to the payment gateway server 30 (step S201).

Then, the payment gateway server 30 stores the mobile phone number and product information in the database server 40 (step S203), and transmits a call-back URL to the user's mobile terminal (step S204).

On the other hand, when a user makes a payment agreement by using a callback UALEL transmitted to the user's wireless terminal 60, the SIM card installed in the wireless terminal 60 displays the mobile phone number and the balance information of the SIM card virtual account. The payment gateway server 30 can transmit to the payment gateway server 30 (step S205).

Subsequently, when the payment gateway server 30 transmits the value corresponding to the transaction price to the user mobile phone (step S206), the amount is deducted from the SIM card virtual account and reports it to the payment gateway server 30 (step S207).

The second embodiment of the present invention shown in FIG. 2 has a feature that is not dependent on a mobile carrier, unlike a mobile phone payment method disclosed in the applicant's pre-registered invention No. 314,174. Applicable to

3 is a diagram showing the configuration of an electronic payment settlement system according to a third embodiment of the present invention. 3 is a diagram illustrating an online payment method using a smart card reader 70 by a user 10. Referring to FIG. 3, the user 10 accesses the seller server 20 using his terminal and selects a purchased product. Subsequently, the seller server 20 transmits the product information to the payment gateway server 30 to pay for the purchased product (step S301).

Then, the payment gateway server 30 calls the program to the user computer 10 to transmit the price information (step S302). At this time, the user 10 inserts the card into the smart card reader 70 mounted in the computer and drives the software (step S303). Subsequently, the payment is completed by transferring the value of the user's smart card (step S304).

The foregoing has outlined rather broadly the features and technical advantages of the present invention to better understand the claims of the invention which will be described later. Additional features and advantages that make up the claims of the present invention will be described below. It should be appreciated by those skilled in the art that the conception and specific embodiments of the invention disclosed may be readily used as a basis for designing or modifying other structures for carrying out similar purposes to the invention.

In addition, the inventive concepts and embodiments disclosed herein may be used by those skilled in the art as a basis for modifying or designing other structures for carrying out the same purposes of the present invention. In addition, such modifications or altered equivalent structures by those skilled in the art may be variously changed, substituted, and changed without departing from the spirit or scope of the invention described in the claims.

As described above, the present invention provides a solution that enables easy and secure payment of electronic commerce by combining the convenience of mobile phone payment and the advantages of credit card payment. Moreover, the present invention has the advantage of making a credit card payment without exposing its credit card number to others. The invention also has the advantage that no credit card number and secret information is exposed to the merchant or payment gateway server.

Although the present invention is based on a credit postpaid payment method using a mobile phone, it is not dependent on a mobile carrier and can be extended to debit and credit card transactions by mounting an electronic virtual account function on the wireless Internet and a SIM.

Claims (18)

In the method of payment for the commerce, (a) a seller server selling goods or contents to a user, receiving a mobile terminal unique number from the user, and transmitting the mobile terminal unique number and transaction history information of the user to a payment gateway server; (b) the payment gateway server transmits the received mobile terminal unique number of the user to a financial settlement company server, inquires a card account including a credit card or debit card corresponding to the mobile terminal unique number, and transmits the mobile terminal unique number. Checking a card account linked to the number; And (c) the user inputs information including any one or both of an ID number and a password into a card payment window provided through the payment gateway server after inquiry of the financial settlement company server through a homepage provided by the seller server; If the seller server transmits the product sales information including the input information to the payment gateway server Electronic payment settlement method comprising a. The method of claim 1, wherein the unique number of step (a) comprises a mobile phone number or a personal cellular phone number. The electronic payment settlement method of claim 1, wherein the seller server or the payment gateway server cannot store or view the financial account information of the user. The financial settlement method of claim 1, wherein the financial settlement is received from the user by a mobile terminal identification number corresponding to the card account of the user at the time of a credit agreement including the credit card or debit card with the financial settlement company. Electronic payment method further comprising the step of storing in the database of the server. The method of claim 1, subsequent to step (b), The payment gateway server transmitting an authentication number to the mobile terminal of the user; When the user inputs an authentication number received from a payment gateway server into a payment window of the seller server, the seller server transmits the authentication number entered into the payment window to the payment gateway server; And Comparing, by the payment gateway server, whether the authentication number received from the merchant server is identical to the authentication number initially transmitted to the mobile terminal of the user; Electronic payment settlement method comprising a. The method of claim 1, wherein following the step (c), the payment gateway server confirms and transmits the electronic payment settlement completion to the mobile terminal of the user. E-payment payment method comprising more. The electronic payment settlement method of claim 1, wherein the ID number entered by the user in the card settlement window of step (c) includes a social security number. The electronic payment settlement method of claim 1, wherein the password entered by the user in the card settlement window of step (c) includes the card expiration date number. In performing a payment for a transaction between a user and a seller through a credit card or a debit card, the electronic payment settlement system proceeds without exposing the user's card number to the seller server and payment gateway server. In Receive the user mobile terminal unique number and the transaction history information from the seller server receiving the mobile terminal unique number of the user, and transmits the information including the mobile terminal unique number to the server of the credit card company, the server of the credit card company The payment gateway which checks the credit card number associated with the mobile terminal unique number and transmits an inquiry result, thereby allowing the user to make a card payment without exposing the user's credit card number to the seller server or himself. Electronic payment settlement system including a server. The payment system of claim 9, wherein the payment gateway server further comprises a database server for storing the mobile terminal unique number and transaction details. 10. The method according to claim 9, wherein the payment gateway server transmits the authentication number to the mobile terminal of the user in a short message so that the user who receives it is inputted to the seller server, and the authentication number returned from the seller server and the first is returned. An electronic payment settlement system characterized by performing user authentication by comparing the authentication number sent. In how to pay for commerce. (a) a seller server selling goods or contents to a user, receiving a mobile terminal unique number from the user, and transmitting the mobile terminal unique number and transaction history information of the user to a payment gateway server; (b) the payment gateway server transmitting a callback URL (URL) to the user's mobile terminal; (c) receiving, by the payment gateway server, a payment agreement signal from a mobile terminal of a user accessing the callback UE; And (d) transferring the currency value stored in the SIM card virtual account of the user's mobile terminal according to the transaction details; Electronic payment settlement method comprising a. 13. The electronic payment settlement method of claim 12, further comprising the step of storing the mobile terminal unique number and the transaction history information in a database after the step (a). 13. The method of claim 12, further comprising storing value balance information of a SIM card virtual account transmitted from the user's mobile terminal following the step (c). E-payment payment method comprising more. The method of claim 12, wherein the step (d) is a mobile terminal SIM card virtual account of the user who has received a request to deduct the amount from the payment gateway server value transfer the payment amount corresponding to the transaction history, the payment gateway server An electronic payment settlement method comprising the steps of storing the value transfer result in a database. The method of claim 12, wherein the SIM card virtual account of the mobile terminal comprises a prepaid electronic money account or a postpaid credit card account. Claims [1] An electronic payment settlement system for performing a commerce payment for a commerce between a user and a seller through a SIM card virtual account provided in the mobile terminal of the user. Receives the user's mobile terminal number and commerce history information from the seller server receiving the user's mobile terminal unique number and product selection in the database, and sends a callback UEL to the mobile terminal of the user to the callback UEL Receiving a payment agreement from the connected user, the payment gateway server for transferring the value corresponding to the transaction history payment to the SIM card virtual account provided in the mobile terminal of the user, and stores the details in its database; Electronic payment billing system. In the method of payment for the commerce price, (a) the seller server selling the product or the content to the user, transmitting the product information selected by the user to a payment gateway server; (b) the payment gateway server transmitting a program call and price information to the user's terminal; And (c) when the user's smart card is inserted into a card reader and the software is running, a significant value is transferred to the price and reported to the payment gateway server. Electronic payment settlement method comprising a.