KR20040024646A - The method of OCR, MICR payment with a mobile-payment service and this system - Google Patents

Abstract

PURPOSE: A method and a system for paying GIRO using a mobile settlement service are provided to process a GIRO payment only with a personal wireless communication terminal without visiting a bank personally by inputting a GIRO number without exposing personal information such as a resident registration number, an account number, and a password. CONSTITUTION: A mobile settlement server(200) is connected to clients(100) having the wireless mobile communication terminal(110), registers/manages users as a member, and includes a database for storing the information needed for financial transaction such as personal particulars, a terminal telephone number, and the account number or a credit card number. A common financial communication network(500) is connected to the mobile settlement server with the Internet. A financial settlement center server(400) takes charge of a GIRO business.

Description

Giro payment method and system using mobile payment service {The method of OCR, MICR payment with a mobile-payment service and this system}

The present invention is practically available in the financial industry, when paying Jiro, the payer visits the actual bank window and pays the Jiro payment using the wireless terminal device occupied by the individual without paying the payment fee along with the Jiro paper. A method and a system for enabling the same.

In the method of paying giro by using the bank window, when the payer visits the bank window and pays the amount imposed on the paper along with the paper, the bank staff will collect the paper and send it to the KFTC.

The KFTC will arrange the papers sent from the banks, notify the relevant companies of the payment results, and settle the payment.

However, the existing method of paying giro using the existing bank window is cumbersome for the payer to visit the bank directly, which causes congestion of the bank window due to the sudden increase in users at the end of the payment of the payment.

As another method, a giro payment method using a wired Internet site is used.

However, in the payment method of Jiro using the wired internet site as above, the resident registration number, bank account number or account password are entered during the payment process, and there is a possibility of personal information leakage. If necessary, an authentication key for financial transactions on the wired Internet. There are issuances, and it is reluctant to use in PC room except company PC for exclusive use or company PC to use jointly.

In addition, you can not request a transaction in a location that does not have a wired Internet connection environment.

Accordingly, an object of the present invention is to provide a technology that enables payment of Giro payments only by a wireless terminal device occupied by an individual without cumbersome visit to a bank window.

It is another object of the present invention to provide a method for making a payment by simply entering a number, such as a zip code, without exposing important personal information such as a social security number, a bank account number, an account password, etc. during a transaction.

Still other objects of the present invention will become more apparent through the preferred embodiments described below.

1 is a diagram showing the configuration of a giro payment system using a mobile payment service according to an embodiment of the present invention.

2 is a diagram illustrating a screen showing a window of a wireless communication terminal device (mobile phone, etc.) for requesting a giro payment transaction using a mobile payment service according to an exemplary embodiment of the present invention.

3 is a diagram illustrating a paper paper used in carrying out a general paper payment.

4 and 5 are views illustrating a process control flow of a branch payment system using a wireless terminal device according to a preferred embodiment of the present invention.

Figure 6 is a diagram showing the processing flow of the giro payment configuration using the mobile payment service according to an embodiment of the present invention.

According to the present invention, clients (users) occupying a wireless communication terminal device (mobile phone, PDA, IMT-2000, etc.), can be connected via the Internet, and manage the users registered as members, personal information when registering, Mobile payment server (which may include web server, database server, SMS server, etc.) having a database that stores information necessary for financial transactions such as terminal phone number, bank account number or credit card number, mobile payment server and internet A payment method is applied to a financial transaction system consisting of a financial common network (including a bank common network, a credit card VAN network, and an electronic financial common network) connected to a network and a financial settlement server.

The user 100 accesses the payment server 200 of the mobile payment service in order to use the giro payment service using the wireless terminal device 110 and registers as a member.

At this time, the payment server 200 receives the information necessary for financial transactions, such as personal information, terminal phone number, bank account number or credit card number of the member is stored in the database to manage. Registered personal information is kept secure so as not to be leaked to the outside, and the member ID (terminal phone number) is saved in the future when using the service by storing the registered information once.

After the user 100 is registered as a member, and accesses the mobile payment service using the wireless terminal device 110 and logs in, and selects a payment application for giro, the giro number of the giro paper to be paid (see FIG. 3). A step is entered to enter 510.

If the user 100 enters the giro number indicated on the giro paper by using a numeric key of a wireless terminal device and then transmits it, the payment server 200 receives the input giro number (510 in FIG. 3) connected to the Internet. The payment source server 400 (or the server of the company specified by the financial settlement agency) is retransmitted to request the business information.

At this time, the requested giro company information may include a company information (company name) corresponding to the transmitted giro number, which is intended to clarify the company to be paid for the giro payment.

The affiliated KFTC server 400 analyzes the database of the company corresponding to the received Giro number and transmits the requested Giro information (company name, etc.) to the settlement server 200.

Then, the payment server 200 starts the step of requesting the wireless terminal device 110 of the user 100 to input the payment amount (530 of FIG. 3) together with the business information of the business (8 in FIG. 2).

At this time, the payment server 200, as required (such as the request of the Financial Services Agency), along with the payment amount (530 of FIG. 3), the customer reference number (520 of FIG. 3) recorded on the paper, the verification number (540 of FIG. 3). You can add a step to receive).

In the next step, a password and the like are transmitted for security.

The above input steps may be input in order by integrating into one step (8 of FIG. 2) in order to reduce the number of transmissions.

The payment server 200 checks whether or not the received password matches the password of a predetermined database.

If the password is matched, the step of transmitting the message (9 in Fig. 2) requesting the final approval (confirmation) of the user giro payment application history to the wireless terminal device 110 proceeds.

At this time, when the password is entered at the time of login, and if the input password is confirmed to match, in the above step, the step of inputting the password and determining whether the match can be omitted.

After the user 100 receiving the giro payment application confirmation message (⑨ of FIG. 2) confirms the giro payment application history, and if there is no abnormality and confirms by pressing a confirmation button or the like, the approval information is transmitted to the payment server 200. The steps are followed.

When the final approval of the user 100 is made, the payment server 200 reads a preset database, checks the balance in the giro payment account, checks the balance with the payment request amount, and if the account balance is more than the payment request amount, Combining the data required for the payment application is transmitted to the KFTC server 400 is in progress.

If the account balance is less than the payment request amount, the corresponding error message is sent.

Data required for giro payment application to the KFTC server 400 may include a giro number, customer reference number, amount, verification number and the user terminal phone number, etc., which have no security risk.

Along with the above step, the payment server 200 transfers the giro payment application amount from the account of the preset user 100 to the preset FSS account.

In this case, the KFTC account may include any account designated by the KFTC.

For example, it may be an account of a company designated by the KFTC, or may be directly transferred to the company's account without going through the KFTC account.

In addition, the account used during the transfer can be operated including not only the real account of the financial institution (bank, etc.) but also the virtual account.

The detailed principle of the virtual account is a public notice and will be omitted from the description.

When the transfer is completed, after confirming the payment, a step of issuing a receipt proceeds and ends the service.

At this time, the issuance of the receipt is preferably issued by the Financial Clearinghouse 400, and in some cases, may be configured to record and store in the Financial Clearinghouse database and issue the receipt in the payment server 200.

The reading of the receipt may be accessed by accessing the web server 200 of the mobile payment service using the wireless terminal device 110 of the user 100, or after the transaction is completed, it is transmitted through an SMS (short delivery service).

In addition, by accessing the mobile payment site connected to the Internet through the user's PC 120, you can query the payment history, or view or print the stored receipt.

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

1 is a view showing the configuration of a giro payment system using a mobile payment service according to an embodiment of the present invention.

The payment server 200 that provides the mobile payment service is connected to the Financial Services Agency server 400 through the Internet to handle Giro payment.

In addition, the payment server 200 according to an embodiment of the present invention is registered and managed by the user 100 as a member, membership registration of the mobile payment service through the wireless terminal device 110 connected to the wireless Internet network 220 You can join by accessing the wireless home page (phone page), and also through the PC 120 connected to the wired Internet network 230, etc. provides a configuration that can also be connected to the mobile payment site.

The SMS server 250 (or future MMS server, etc.) for transmitting the message to the wireless terminal device 110 of the user connected to the wireless internet network 220 by the payment server 200 operates separately at the mobile payment site. Or a configuration that can be operated through a server such as a mobile carrier or a wireless network operator.

FIG. 2 is a diagram illustrating a screen showing a window of a wireless communication terminal device 110 (mobile phone, etc.) for requesting a giro payment transaction using a mobile payment service according to an embodiment of the present invention.

First, when the user 100 selects "payment of giro" on the initial screen (1 in FIG. 2) connected to the mobile payment service in order to conduct the payment of giro, the submenu corresponding to payment of giro of the mobile payment service is displayed. It is shown in (2 in FIG. 2).

If the user 100 does not apply for the giro payment service at the time of joining the mobile payment member, the user 100 selects the "service subscription" from the menu displayed on the terminal window to apply for the giro payment service.

It may include the step (3 of Figure 2) receiving a predetermined password when registering for security.

If the user account entered by the user 100 is 2 or more at the time of membership registration, the step (④ of FIG. 2) for selecting the account number to be used for payment of the giro is shown on the screen.

If the user's input account is 1 (one), it is preferable to make a configuration to be automatically selected without a separate account selection step.

In addition, available accounts may include not only bank accounts but also credit cards, prepaid cards, virtual accounts, and the like.

After the service subscription is completed (⑤ in Fig. 2), if you select the "jiro payment application" from the menu displayed on the terminal window, the step to enter the "jiro number" marked on the giro paper to pay is shown on the screen (Fig. ⑥ of 2).

At this time, the frequently used giro numbers can be stored and stored in a database, and then can be viewed through the "jiro number inquiry" menu and the like (⑦ of FIG. 2).

When the user 100 inputs or selects and transmits the giro number, the payment server 200 connects to the financial settlement server server 400 through the Internet and requests and transmits the business information corresponding to the giro number, The step of displaying the company information on the terminal window and inputting the payment amount, the password, etc. is shown on the screen (8 in FIG. 2).

At this time, if necessary, such as the request of the financial settlement agency may include the step of inputting the customer reference number, verification number, etc. written on the paper.

In addition, the password may be omitted in order to simplify the step if the user has already confirmed the password when logging in, and may be added if thorough security is required.

After the user 100 inputs the request information and transmits the request information, the payment server 200 arranges the payment information of the giro payment and requests the final approval (confirmation) of the user 100 in the terminal window (FIG. 2). ⑨).

If the user matches the information requested, and confirm by pressing a confirmation button, etc., the payment server 200 transmits the information required to pay the giro to the KFTC 400, in the account of the preset user 100 The transfer proceeds to the account designated by KFTC.

When the transfer is completed, a receipt is issued and a payment completion message (Fig. 2) is transmitted.

In this case, the user 100 selects and views the "Receipt View" menu, or shows a step in which the payment server 200 issues and transmits a receipt after the transaction is completed in the terminal window (Fig. 2).

FIG. 3 shows a diagram illustrating a paper used for a financial settlement agency used in applying for a general payment of a paper.

The Jiro paper for the KFTC made of paper is marked with "Zero number 510", "Customer inquiry number 520", "Amount 530", "Verification number 540", and the like.

Here, the "validation number 540" is a one-digit number used to prevent misfeeds of the amount of money, and refers to a number written under the letter "C" attached to the computer input field after the amount.

4 and 5 are views illustrating a process control flow of a giro payment system using a mobile payment service according to an exemplary embodiment of the present invention.

Referring to FIG. 4, when the user 100 accesses a mobile payment site and starts a giro payment service, it is determined whether to subscribe to the giro payment service (201).

If the service has not been subscribed to the application to join (202).

If the user 100 selects the payment application 203 after signing up, the payment server 200 requests the user 100 to input the number and receives the transmission (204).

The payment server 200 transmits the giro number to the financial settlement server 400 connected to the Internet (205), and receives and receives information about the giro company (206).

The received company information is displayed on the terminal window, and a payment amount and a password are input (207).

In this case, if necessary, such as the request of the Financial Services Agency, the payment amount may be input including the customer inquiry number and the verification number.

The payment server checks whether the input password matches the password of the preset database (208).

If the passwords do not match, an error message is sent and a re-entry is performed.

At this time, it can be controlled to re-enter up to three times in accordance with the usual financial transaction format.

If the password is matched, and reads the payment information giro payment and transmits a message requesting the final confirmation (approval) of the user 100 (210).

After confirming the payment request history requested by the user 100, the approval is received 211.

If the approval is "No", it is sent back to the giro payment application history input step (207).

If the approval is "Yes" will be described later with reference to FIG.

Referring to FIG. 5, if the approval is "Yes", the user 100 searches the preset account number 212 and determines whether the account balance is greater than or equal to the payment amount (213).

If the account balance is less than the payment amount (No), the corresponding error message is sent (214) and the process ends.

If the account balance is equal to or greater than the amount paid (Yes), the data necessary to pay the giro is combined and transmitted to the KFTC server (215).

The transmission data may include a Giro number, a customer reference number, an amount, a verification number, a terminal phone number, and the like.

The payment server 200 transfers the payment amount from the account of the preset user 100 to the account designated by the predetermined financial settlement provider (216), after confirmation of payment (217), issues a receipt (218) and ends the configuration Is done.

6 is a diagram illustrating a process control procedure of a giro payment configuration using a mobile payment service according to an exemplary embodiment of the present invention.

Referring to FIG. 6, after the user 100 joins as a member and accesses the payment server 200 and requests ① payment of the land, the payment server 200 requests the user 100 to enter the number 2. , If the user enters the ③ giro number and transmits it, the payment server 200 requests the ④ giro company information corresponding to the giro number received by the financial settlement agency server 400.

When the KFTC server 400 queries the database and transmits the company information to ⑤, the payment server 200 requests the user 100 to input ⑥ payment amount, customer inquiry number, verification number, password, and the like. .

When the user 100 inputs and sends the requested ⑦ payment amount, customer inquiry number, verification number, password, etc., the payment server 200 requests the user 100 for the final confirmation (approval) of the ⑧ giro payment application details. do.

When the user 100 confirms and approves the payment application history ⑨, the payment server 200 combines the payment information data and then transfers the payment amount to the financial settlement agency 400.

KFTC server 400 checks the payment details, issues a receipt to payment server 200, payment server 200 stores the received receipt as data, and receives the receipt into the terminal of user 100. Will be issued and finished.

Although not shown in the drawing, data and related program software required for financial transactions are stored and managed in the internal memory of the wireless communication terminal device. Disclosing techniques can be disclosed.

In addition, it may include a configuration to download and install the authentication key issued by the relevant certification authority for security purposes.

That is, the giro payment method and system using a mobile payment service according to an embodiment of the present invention using a wireless terminal device occupied by an individual, without exposing the social security number, bank account number, account secret code, etc., which are important for security, Disclosed is a technology that allows payment of giro payments only by secured giro numbers.

In the future, a technology for sending a giro through the wireless Internet may be developed without issuing a giro paper.

As described above, the giro payment method and system using the mobile payment service according to the present invention using a wireless terminal device occupied by an individual without the cumbersome procedure of visiting a bank teller, etc. in order to pay the giro payment. By providing a means to make a payment, it is convenient for the user, and the bank window can reduce congestion caused by the deadline of the payment of the giro and can be faithful to the essential banking business.

In addition, by applying for payment of giro, it is possible to process only the payment amount, the Giro number (which can include customer reference number and verification number) without inputting social security number, bank account (or credit card) number, account password, etc. As a result, consumer damage due to personal information leakage can be reduced.

In addition, even if the wireless terminal device (mobile phone, etc.) is lost, it is safe because you can not approve the transaction without knowing the password.

Claims (12)

Clients (users) occupying wireless terminal devices (mobile phones, PDAs, IMT-2000, etc.) can be connected via the Internet, and users are registered and managed as members, personal information, terminal phone numbers, bank accounts A mobile payment server (including a web server, a database server, an SMS transmission server, etc.) having a database for storing information necessary for financial transactions such as a number or a credit card number, and a financial common network connected to the mobile payment server and the Internet (bank Common transaction, credit card network), and the financial transaction system consisting of the KFTC's server in charge of business. Accessing and logging in to a mobile payment service server through a wireless terminal device to perform a giro payment service while a user subscribes to a service; Selecting a subscription payment service from the list of mobile payment services; Requesting, by the mobile payment server, a user inputting a 'jiro number' indicated on a giro paper for a giro payment application; A user inputting a 'giro number' to the payment server; Transmitting the giro number received by the payment server to the KFTC, and requesting the information of the corresponding giro company; A step of querying, by the KFTC server, the database to transmit information about the business of the business; Displaying the received Giro company information on a user's terminal window and receiving information such as a payment amount, a password, etc. required for the Giro payment application; Displaying the input giro payment application details in a terminal window and requesting a user's final approval; After the final approval, inquiring the predetermined user's account information, combining the data necessary for the application for giro payment and transmitting it to the KFTC server; Transferring the applied amount of giro payment from a predetermined user's account to a predetermined financial settlement account; And Giro payment method and system using a mobile payment service comprising the step of issuing a receipt for the payment history after the completion of the transfer. The method and system of claim 1, wherein the bank account or credit card account set by the user at the time of service subscription includes a virtual account issued by a related company. The method according to claim 1, wherein the user inputs a giro number for an application for giro payment, which includes storing the giro number frequently used in a database so that the user can select it as a 'giro number inquiry'. Giro payment method and system using a mobile payment service. According to claim 1, Giro payment method and system using a mobile payment service, characterized in that the business information requested by the payment server operated by the mobile payment service to the KFTC server includes the company name of the company to be paid. The method of claim 1, wherein the information data required for the application for the payment of the giro received by the user includes a giro number, a customer inquiry number, a payment amount, a verification number, a service use password, and the like. And system. The method and system of claim 5, wherein the service use password includes a structure that may skip the password input step when the password is checked at the time of login. According to claim 1, After the user's final approval payment data to send to the KFTC server using a mobile payment service, characterized in that it includes a giro number, customer reference number, payment amount, verification number, terminal phone number, etc. Giro payment method and system. The method of claim 1, wherein the step of inquiring the predetermined user's account information after the user's final approval includes determining whether the account balance is greater than or equal to the payment request amount. And system. The method of claim 1, wherein, in the step of transferring the applied amount of giro payments from a predetermined user's account to a predetermined financial settlement account, the account may be configured to use a real account such as a bank account or a credit card account. Giro payment method and system using a mobile payment service, characterized in that may take a structure using a virtual account. 10. The method and system of claim 9, further comprising the step of selecting an account to be used for payment when a predetermined user account is two or more. 10. The method according to claim 9, wherein the predetermined FSS account may be a structure using an account issued by the FSS, a structure using an account of a company designated by the FSS, and using an account of a giro company applied to the FSS. Giro payment method and system using a mobile payment service, characterized in that it may take a structure. The method of claim 1, wherein data necessary for financial transactions, related program software, and the like are stored and managed in a memory built in the wireless communication terminal device, and when the giro payment service is performed, only the minimum information necessary for giro payment application is transmitted. Giro payment method and system using a mobile payment service comprising a.