KR20030087135A - Method for Service of Composite Payment using Mobile Communication Terminal - Google Patents

Abstract

PURPOSE: A method for a complex settlement service using a mobile communication terminal is provided to carry out the on/offline complex settlement of a user by connecting to a payment gateway server with the mobile communication terminal. CONSTITUTION: The payment information by the complex settlement of more than two payment tools stored in a storage of the mobile communication terminal is received(221). A payment approval is requested by transmitting the received payment information to a payment tool(222). A payment approval result is received from the settlement tool, and is transmitted to the mobile communication terminal(223,226).

Description

Composite payment service method using mobile communication terminal {Method for Service of Composite Payment using Mobile Communication Terminal}

The present invention relates to a complex payment service method using a mobile communication terminal and a computer-readable recording medium recording a program for realizing the method. More particularly, the present invention relates to a plurality of payment information of a user input through a mobile communication terminal. The present invention relates to a complex payment service method that enables a plurality of integrated payments through a billing gateway system, and a computer-readable recording medium having recorded thereon a program for realizing the method.

Currently, various services using the complex payment system are being activated in offline shopping malls. Here, the complex payment is to use a plurality of payment means rather than using one payment means. This will be described in more detail as follows.

That is, in the case of a single payment method, payment is performed by selecting only one of payment methods such as a credit card, a card issued by a shopping mall, a gift certificate issued by a shopping mall, a deposit that can be used in a shopping mall, a deposit, and a passbook deposit (Internet banking). The combined payment is a combined amount of each payment method by selecting a plurality of payment methods such as the credit card, the card issued by the shopping mall, the gift certificate issued by the shopping mall, the reserves available for use in the shopping mall, the deposit, the passbook deposit (Internet banking), etc. This is a method of payment calculated by the same amount as the purchase.

1A to 2B, a single payment method currently used in an online shopping mall will be described in detail.

1A and 1B illustrate an exemplary embodiment of a single payment method using a general mobile communication terminal, and illustrates a case where an offline payment is made through communication with a POS terminal of a merchant using a mobile communication terminal.

In the figure, "101" is a Universal Subscriber Identity Module (USIM), "102" is a mobile communication terminal, "103" is a merchant POS terminal, "104" is a van company, and "105" is a credit card company. And "106" represent loyalty servers (self / affiliate) respectively.

USIM 101 refers to a smart card unique to Universal Mobile Telecommunications Systems (UMTS) and is a key device embedded in a terminal when commercializing IMT-2000 service, and has secret authentication data for network operators. It can also contain user data such as phone numbers. In addition, payment information such as credit card, payment function is stored to provide information at the time of payment.

The mobile communication terminal 102 performs the same function as a general mobile communication terminal and can be connected to the USIM 101.

The merchant force terminal 103 receives a connection from the mobile communication terminal 102 through a local link such as Bluetooth, infrared communication (IrDA), wireless communication (RF), and performs a payment task.

1A and 1B, a single payment method using a general mobile communication terminal will be described below.

First, when a user makes an offline payment request to the USIM 101 by using the mobile communication terminal 102 (111), the USIM 101 displays a list of payment means mounted on the USIM 101 by the mobile communication terminal 102. (112). Here, the offline payment request is to pay through the merchant POS terminal 103.

The mobile communication terminal 102 having received the payment means list selects one from the user from the payment means list and sends information to the USIM 101 (113).

The USIM 101 receiving the selected payment means transmits payment information (e.g., a card number, etc.) to the mobile communication terminal 102 (114), and the mobile communication terminal 102 communicates with the merchant POS terminal 103 locally. Link is established (115). Here, the local link is established using Bluetooth, infrared communication (IrDA), wireless communication (RF) and the like.

When the local link is established, the mobile communication terminal 102 transmits payment information to the merchant POS terminal 103 (116), and the merchant POS terminal 103 receiving the payment information includes a bansa 104, a credit card company 105, The payment server receives the payment amount by performing payment processing with the royalty server 106 and transmits a payment confirmation message to the mobile communication terminal 102 (117).

After receiving the payment confirmation message, the mobile communication terminal 102 confirms the information and transmits a personal identification number (PIN) to the merchant POS terminal 103 to confirm payment (118).

The process of performing payment processing with the bansa 104, the credit card company 105, the royalty server 106 and the like will be described in more detail with reference to FIG. 1B.

The merchant force terminal 103 receiving the payment information from the mobile communication terminal 102 transmits the payment information to the bansa 104 (121).

With respect to the payment information received from the merchant POS terminal 103, the bansa 104 transmits payment information to the credit card company 105 and requests payment approval (122) to receive the payment approval result from the credit card company 105 ( 123).

In addition, the bansa 104 transmits payment information such as a merchant ID, a card number, a payment amount, etc. to a loyalty server (a loyalty server of its own or affiliated company) 106 in order to check whether the affiliate has a royalty affiliate (124), After receiving the information, the royalty server 106 searches the royalty policy file, calculates and accumulates royalties, and transmits the royalty details such as generation, accumulation, and available points to bansa 104 (125).

Bansa 104 stores the payment approval result and royalties details received and stores the payment details such as card number, merchant identifier, payment amount, accrued / accumulated / available royalties, and stores the payment processing result to the merchant POS terminal 103 Transmit 126.

The merchant POS terminal 103 outputs a receipt, and sends payment details such as date, merchant name, payment method, amount, generation / accumulation / available royalties, etc. to the mobile communication terminal 102 (127), and the mobile communication terminal 102 ) Transmits the payment authentication history to the USIM 101 and stores it in the USIM 101 (128).

Thereafter, the local link established in the mobile communication terminal 102 and the affiliated store POS terminal 103 ends.

2A and 2B are diagrams illustrating another embodiment of a single payment method using a general mobile communication terminal, and illustrates a case where an online payment is made through an access to an online merchant using a mobile communication terminal.

In the figure, "201" is a USIM, "202" is a mobile communication terminal, "203" is an online merchant, "204" is a payment gateway server, "205" is a credit card company, and "206" is a loyalty server (self / partnership). Respectively.

First, the online affiliate store 203 performs an online payment request to the USIM 201 via the mobile communication terminal 202 with respect to the user's payment amount (211).

Upon receipt of the online payment request, the USIM 201 transmits (213) a list of payment means mounted on the USIM 201 to the mobile communication terminal 202 so that the user selects one payment method (213).

When the user selects a payment method using the mobile terminal 202 and sends it to the USIM 201, the USIM 201 sends payment information (for example, a card number, etc.) to the online merchant 203 (214). ).

Upon receipt of the payment information, the online merchant 203 sends a payment confirmation message to the USIM 201 through the mobile communication terminal 202 (215), and the USIM 201 confirms this to the online merchant 203 by a personal identification number. Enter (PIN) to send a payment confirmation (216).

The signal flow between the online merchant 203, the payment gateway server 204, the credit card company 205, and the royalty server 206 generated in the above process will be described in more detail with reference to FIG. 2B.

When the online merchant 203 receives payment information through the mobile communication terminal 202, the online affiliate store 203 transmits the payment information to the payment gateway server 204 (221).

The payment gateway server 204 transmits payment information to the credit card company 205 and requests payment approval (222). The credit card company 205 processes this and transmits the payment approval result (223).

In addition, the payment gateway server 204 checks whether the online merchant 203 is a royalty affiliate, and if it is affiliated with the royalty service, transmits payment information such as a merchant ID, a card number, and a payment amount to the royalty server 206 (224). ).

The loyalty server 206 searches for the loyalty policy file, calculates and accumulates royalties, and then transmits loyalty details on occurrence, accumulation, and available points to the payment gateway server 204 (225).

The payment approval result and royalty history received from the credit card company 205 and the loyalty server 206 are stored in the payment gateway server 204, and the payment details such as the card number, the merchant ID, the payment amount, and the accrued / accumulated / available royalties are stored. do. Then, the payment processing result is transmitted to the mobile communication terminal 202 including payment details such as date, merchant name, payment method, amount, accrued / cumulative / available royalty (226).

In addition, the mobile terminal 202 stores the payment processing result and the payment history in the USIM 201 (227).

As described above, since the single payment method using the mobile communication terminal has only one payment method, there is a limitation of payment that does not allow internet shopping with the royalties and gift voucher balances, and thus does not provide practical benefits to customers. there was.

In addition, at present, online shopping malls use some complex payments using some complex payment systems, but there is a problem that cannot be activated due to the incompatibility between the shopping malls.

The present invention has been proposed in order to solve the above problems, a complex payment service using a mobile communication terminal that can enable a user's on / offline combined payment by accessing the payment gateway server using a mobile communication terminal It is an object of the present invention to provide a computer-readable recording medium storing a method and a program for realizing the method.

1A and 1B illustrate an embodiment of a single payment method using a general mobile communication terminal.

2A and 2B illustrate another embodiment of a single payment method using a general mobile communication terminal.

3A and 3B illustrate an embodiment of a composite payment method using a mobile communication terminal according to the present invention.

4A and 4B illustrate another embodiment of a composite payment method using a mobile communication terminal according to the present invention.

5A and 5B illustrate another embodiment of a composite payment method using a mobile communication terminal according to the present invention.

* Explanation of symbols for the main parts of the drawings

301: USIM302: mobile communication terminal

303: Merchant POS terminal 304: VAN company

305: Credit card company 306: Loyalty server (own / affiliated)

307: Payment Gateway Server

In the method of the present invention for achieving the above object, in the composite payment service method using a mobile communication terminal, the payment information by two or more of the combined payment of the predetermined number of user payment means stored in the storage means of the mobile communication terminal Receiving a first step; A second step of requesting payment approval by transmitting the received payment information to a payment means; And a third step of receiving a payment approval result for the payment approval request of the second step from the payment means and transmitting the payment approval result to the mobile communication terminal.

The method may further include a fourth step of receiving a payment request from a user and transmitting the payment request to a Universal Subscriber Identity Module (USIM); A fifth step of the USIM receiving the payment request displaying previously stored payment means on the mobile communication terminal; A sixth step of selecting two or more payment means from the payment means; And a seventh step of receiving payment information generated for the payment means selected in the sixth step.

On the other hand, the present invention, in the complex payment service system having a large capacity processor for a complex payment service using a mobile communication terminal, to a complex payment of two or more of the predetermined number or more of the user payment means stored in the storage means of the mobile communication terminal A first function of receiving payment information; A second function of transmitting the received payment information to a payment means and requesting payment approval; And a computer-readable recording medium having recorded thereon a program for realizing a third function of receiving a payment approval result for the payment approval request of the second function from the payment means and transmitting it to the mobile communication terminal.

The present invention also provides a fourth function for receiving a payment request from a user and transmitting the payment request to a Universal Subscriber Identity Module (USIM); A fifth function of the USIM receiving the payment request to display previously stored payment means on the mobile communication terminal; A sixth function of selecting at least two payment means from the payment means; And a computer-readable recording medium having recorded thereon a program for realizing a seventh function of receiving payment information generated for the payment means selected in the sixth step.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Meanwhile, the main components shown in the following detailed description will be described first.

USIM (301, 401, 501) refers to a smart card unique to Universal Mobile Telecommunications Systems (UMTS) and is a key device embedded in a terminal when commercializing IMT-2000 service. It may also contain user data such as a mobile phone number. In addition, payment information such as credit card, payment function is stored to provide information at the time of payment.

The mobile communication terminals 302, 402, and 502 perform the same functions as general mobile communication terminals, and may be connected to the USIMs 301, 401, and 501.

The merchant force terminal 303 receives a connection from the mobile communication terminals 302, 402, and 502 through a local link such as Bluetooth, infrared communication (IrDA), or wireless communication (RF), and performs payment.

The payment gateway server 307, 404, 504 is a core server for receiving the payment information and performing the complex payment according to the present invention. The detailed operation thereof will be described in detail with reference to FIGS. 3A to 5B.

The remaining VAN company 304, credit card company 305, 405, loyalty server 306, 406, 505, 506, and online merchant 403, 503 receive payment information generated during a credit transaction and generally constitute components for commerce. The elements are known to people with knowledge of the subject, so no detailed explanation is given.

Hereinafter, a detailed payment method using a mobile communication terminal according to the present invention made by the above components will be described in detail.

3A and 3B are diagrams illustrating an embodiment of a composite payment method using a mobile communication terminal according to the present invention, and show a method of using a merchant POS terminal with a credit card and a royalty.

First, the user sends an offline payment request signal to the USIM 301 using the mobile communication terminal 302 (311), and the USIM 301 receiving the payment request signal transmits a preset payment means list to the mobile communication terminal 302. Display (312).

The user views the displayed payment means list using the mobile communication terminal 302 and selects two or more payment means to transmit to the USIM 301 (313). For example, it is assumed in FIGS. 3A and 3B that payment is made by credit card and royalty.

The USIM 301 having selected the payment means transmits payment information such as a card number to the mobile communication terminal 302 (314), and establishes a local link with the mobile communication terminal 302 and the merchant POS terminal 303 ( 315).

When the merchant POS terminal is determined, the payment information is transmitted to the merchant POS terminal 303 (316), and the merchant POS terminal 303 receiving the payment information receives the payment amount of the VAN company 304, the credit card company 305, Loyalty server (self / partnership) 306, payment gateway server 307 transmits the payment information to process the payment, and then the mobile terminal 302 pays "national card 25,000 won, points 5000 won out of 30000 won" Are you sure? "Is sent (317).

After confirmation in the mobile communication terminal 302 receiving the payment confirmation message, the personal identification number (PIN) is input to confirm the payment (318).

The merchant POS terminal 303 receives a payment amount and transmits payment information to a VAN company 304, a credit card company 305, a loyalty server (self / partnership) 306, and a payment gateway server 307. Processing will be described in more detail with reference to FIG. 3B.

First, the merchant POS terminal 303 receiving payment information from the mobile communication terminal 302 transmits payment information to the VAN company 304 (321), and again the VAN company 304 pays to the credit card company 305 The information is transmitted to request payment approval (322).

The credit card company 305 receiving the payment approval request transmits the payment approval result to the VAN company 304 (323).

On the other hand, the VAN company 304 checks whether the merchant has a royalty affiliate, and transmits payment information such as merchant ID, card number, and payment amount to the payment gateway server 307 (324), and the payment gateway server 307 receives the royalties. Search and accumulate policy files and royalties (325) and send them to a loyalty server (self / affiliate) 306, and the loyalty server (self / affiliate) 306 records VAT's royalties such as occurrence, accumulation, and available points. 304, and transmit (326).

The VAN company 304 stores the payment details such as the card number, the merchant identifier, the payment amount, the occurrence / cumulative / available royalties, and then transmits the payment processing result to the merchant POS terminal 303 (327).

The merchant POS terminal 303 processes the receipt, and then sends payment details such as the date, merchant name, payment method, amount, generation / accumulation / available royalties to the mobile communication terminal 302 (328), and the mobile communication terminal ( 302 stores payment authorization details in USIM 301 (329).

Thereafter, the local link between the mobile communication terminal 302 and the merchant force terminal 303 is terminated.

4A and 4B illustrate another embodiment of a composite payment method using a mobile communication terminal according to the present invention, and show a method of using the online merchant with a credit card and a royalty.

First, when the mobile communication terminal 402 receives an online payment request from the online affiliate store 403, the mobile communication terminal 402 sends information about the online payment request to the USIM 401 of the mobile communication terminal 402 (411).

Upon receiving the online payment request information, the USIM 401 transmits the mounted payment means list to the mobile communication terminal 402 (412), selects a payment method from the payment means list using the mobile communication terminal 402, and then uses the USIM again. Send to 401 (413). In this case, two or more payment methods are selected.

When the payment method is selected, USIM 401 transmits payment information such as a card number to online merchant 403 (414).

When the payment information is received from the online merchant 403, the payment gateway server 404, the credit card company 405, and the loyalty server (self / affiliate) 406 perform a payment process and then the mobile communication terminal 402. The payment confirmation message is output to the USIM 401 through 415, and the USIM 401 transmits a payment confirmation message to the online merchant 403 by inputting a personal identifier number (PIN) through the mobile communication terminal 402. (416).

The online merchant 403 receives payment information from the mobile communication terminal 402 and performs a payment through a payment gateway server 404, a credit card company 405, and a loyalty server (self / partnership) 406 in FIG. 4B. It will be described in more detail using.

First, when the online merchant 403 receives payment information from the mobile communication terminal 402, the payment information is transmitted to the payment gateway server 404 (421).

The payment gateway server 404 transmits payment information to the credit card company 405 to request payment approval (422), and receives the payment approval result from the credit card company 405 (423).

In addition, the payment gateway server 404 checks whether the affiliate is a royalty affiliate, and transmits payment information such as an affiliate store identifier, a card number, and a payment amount to the royalty server (self / partnership) 406 (424). Loyalty details such as available points are received (425). In this case, the royalty server (self / partnership) 406 searches for a royalty policy file using the payment information received from the payment gateway server 404 and performs a royalty calculation and accumulation process.

On the other hand, the payment gateway server 404 is based on the payment approval result and royalties received from the credit card company 405 and loyalty server (self / affiliate) 406, card number, merchant ID, payment amount, occurrence / accumulation / The payment history, such as available royalties, is stored, and the payment processing result is transmitted to the mobile communication terminal 402 including payment details such as date, merchant name, payment method, amount, generation / cumulative / available royalties (426). The mobile communication terminal 402 transmits the payment processing result to the USIM 401 to store payment authentication details (427).

5A and 5B illustrate another embodiment of a complex payment method using a mobile communication terminal according to the present invention, and show a method of complex payment using online merchants with different royalties.

First, when the mobile communication terminal 502 receives an online payment request from the online affiliate store 503, the mobile communication terminal 502 sends information on the online payment request to the USIM 501 of the mobile communication terminal 502 (511).

Upon receiving the online payment request information, the USIM 501 transmits the mounted payment means list to the mobile communication terminal 502 (512), selects a payment method from the payment means list using the mobile communication terminal 502, and then uses the USIM again. Send to 501 (513). In this case, two or more royalty payment methods are selected.

When the payment method is selected, USIM 501 transmits payment information such as a card number to online merchant 503 (514).

When the payment information is received from the online merchant 503, the payment gateway server 504, the first loyalty server (partnership) 505, and the second loyalty server (self) 506 perform a payment process, and then mobile communication. Through the terminal 502, the USIM 501 outputs a payment confirmation message such as "Do you want to pay 30,000 won for Point A 25,000 won and Point B 5000 won?" (515), and the USIM 501 sends a mobile communication terminal ( A personal identification number (PIN) is entered via 502 to send a payment confirmation message to the online merchant 503 (516).

The online merchant 503 receives payment information from the mobile communication terminal 502 and pays through a payment gateway server 504, a first loyalty server (partnership) 505, and a second loyalty server (self) 506. The process is described in more detail with reference to Figure 5b.

First, when the online merchant 503 receives payment information from the mobile communication terminal 502, the payment information is transmitted to the payment gateway server 504 (531).

The payment gateway server 504 transmits royalty information to the first royalty server (affiliate) 505 to request royalty payment approval (532), and generates, accumulates, and available points from the first royalty server (affiliated) 505. Etc., a royalty history is received (533).

In addition, the payment gateway server 504 transmits payment information, such as an affiliate store identifier and a payment amount, to the second loyalty server 505 (self) 506 to receive royalty details such as generation, accumulation, and available points (535). ).

In the above process, the first loyalty server (partnership) 505 and the second loyalty server (self) 506 retrieve the loyalty policy file using the payment information received from the payment gateway server 504 and calculate the loyalty calculation (deduction). Perform the process.

On the other hand, the payment gateway server 504 is based on the payment approval result and royalties received from the first loyalty server (affiliate) 505 and the second loyalty server (self) 506 card number, merchant identifier, payment amount Stores payment details such as occurrence / cumulative / available royalties, and transmits payment processing results to the mobile communication terminal 502 including payment details such as date, affiliate store name, payment method, amount, and occurrence / cumulative / available royalties. (536). In this case, a settlement process is performed at the online merchant 503, the payment gateway server 504, the first loyalty server (partnership) 505, and the second loyalty server (self) 506 (538 to 541). The mobile communication terminal 502 sends the payment processing result to the USIM 501 to store payment authentication details (542).

As described above, the hybrid payment method using the mobile communication terminal according to the present invention may select a payment method that can be utilized by the user by using the mobile communication terminal, and corresponds to each payment means using the payment gateway server. The payment information can be transmitted to the servers, and the result can be received and delivered to the user.

As described above, the method of the present invention may be implemented as a program and stored in a recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.) in a computer-readable form.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes are possible in the art without departing from the technical spirit of the present invention. It will be clear to those of ordinary knowledge.

The present invention as described above, by using one or more payment means by using a mobile communication terminal can be Internet shopping with royalties and gift voucher balance can overcome the limitations of payment, thereby realizing a practical benefit such as a pointer It can be provided to the customer, and also can achieve the compatibility between the mutual shopping mall in the online shopping mall has an effect that can activate the e-commerce.

Claims (7)

In the complex payment service method using a mobile communication terminal, A first step of receiving payment information by two or more complex payments among a predetermined number of user payment means stored in the storage means of the mobile communication terminal; A second step of requesting payment approval by transmitting the received payment information to a payment means; And A third step of receiving a payment approval result for the payment approval request of the second step from the payment means and transmitting the result to the mobile communication terminal; Complex payment service method using a mobile communication terminal comprising a. The method of claim 1, Receiving a payment request from a user and transmitting the payment request to a Universal Subscriber Identity Module (USIM); A fifth step of the USIM receiving the payment request displaying previously stored payment means on the mobile communication terminal; A sixth step of selecting two or more payment means from the payment means; And A seventh step of receiving payment information generated for the payment means selected in the sixth step; Complex payment service method using a mobile communication terminal further comprising. The method of claim 1, The payment information, Method of complex payment service using a mobile communication terminal, characterized in that it comprises a merchant identifier, card number, payment amount. The method of claim 1, The payment means, Composite payment service method using a mobile communication terminal comprising a VAN company, credit card company, loyalty server (own / affiliated). The method according to any one of claims 1 to 4, The payment approval result, A composite payment service method using a mobile communication terminal comprising a card number, a merchant identifier, a payment amount, a generation / cumulative / available royalty. In the complex payment service system having a large capacity processor for a complex payment service using a mobile communication terminal, A first function of receiving payment information by two or more payments among a predetermined number or more of user payment means stored in the storage means of the mobile communication terminal; A second function of transmitting the received payment information to a payment means and requesting payment approval; And A third function of receiving a payment approval result for the payment approval request of the second function from the payment means and transmitting the result to the mobile terminal; A computer-readable recording medium having recorded thereon a program for realizing this. The method of claim 6, A fourth function of receiving a payment request from a user and transmitting the payment request to a Universal Subscriber Identity Module (USIM); A fifth function of the USIM receiving the payment request to display previously stored payment means on the mobile communication terminal; A sixth function of selecting at least two payment means from the payment means; And A seventh function of receiving payment information generated for the payment means selected in the sixth step; A computer-readable recording medium that records a program for further realization.