KR20040027232A - Remote payment system by proxy using a mobile phone and method thereof - Google Patents

Abstract

PURPOSE: A remotely paying system using a mobile phone and a method therefor are provided to allow a mobile terminal user to pay a charge according to a specific service and the purchase of a specific article through a mobile phone at a remote place. CONSTITUTION: A settlement request and settlement request data are received from an affiliated terminal(301,302). A voice and/or a text for checking settlement intention and informing of settlement amount is transmitted to a phone number of a remotely paying mobile phone(305). When there is a settlement intention from the remotely paying mobile phone(307), a residence number is received(319) and a remotely paying mobile phone authentication is requested from a mobile phone paying company(321). It is determined whether the remotely paying mobile phone authentication is made(317), and if the authentication is made, it is determined whether a settlement completion key is inputted(323). If the settlement completion key is inputted, a settlement completion signal is transmitted to the affiliated terminal(327).

Description

Remote payment system and method using mobile phone {REMOTE PAYMENT SYSTEM BY PROXY USING A MOBILE PHONE AND METHOD THEREOF}

The present invention relates to a remote proxy payment method that allows a third party in a remote place to pay in real time without paying for a specific service fee or a specific product purchase, in particular, a specific service fee or a specific product purchase fee. In a situation where payment is difficult to provide a remote proxy payment method using a mobile phone to pay for the specific service fee or a specific product purchase fee and the fee charged to the merchant instead of using a mobile phone of a remote location.

As a payment method for general commerce or electronic commerce, a deposit method through a credit card, a debit card, or a bank account is commonly used. However, the payment system according to the prior art has many inconveniences and technical problems to be applied to electronic commerce. That is, in the case of a credit card, adolescents who do not have income, or those who do not have a credit card for other reasons may not be able to proceed with e-commerce.

Moreover, in the case of small e-commerce such as downloading music files, the use of credit cards is avoided for safety reasons, and the payment method via bank account requires at least an average of one day to verify the deposit. In the case of a user who wants to use the service immediately, the user cannot use the service immediately. In order to deposit a bank account, the user needs to visit a bank or use telebanking or PC banking.

To solve this problem, a new concept of electronic money and operating system was introduced. It is a new electronic money and payment operation method that can safely and securely pay any time and place for magnetic card or IC card method, encrypted number method and electronic commerce according to the prior art, and issuing, charging, transferring and using electronic money. A method of using a mobile communication terminal for checking the balance, the balance and the like is used.

On the other hand, in the case of paying a certain service fee and a specific product purchase fee offline, when there is no payment method including a mobile communication terminal, or when the amount of money to be held is insufficient compared to the payment amount, it is very difficult. Leads to

In this case, electronic money and payment using a mobile communication terminal that issues or charges an electronic money account issued by an electronic money operating company to a user who conducts electronic commerce, and uses it as a security authentication and electronic wallet through a mobile communication terminal. The operation method cannot be used.

In addition, adolescents with no income, or those who have not been issued a credit card for other reasons, even though the payment amount in real time can not pay the fee is more difficult problem.

Therefore, an object of the present invention for solving the above problems is to use a mobile phone to pay in real time through a mobile phone of a remote location, when there is no payment means offline, a specific service and a specific product purchase It is to provide a remote proxy payment method.

1 is a block diagram of a remote proxy payment system according to an embodiment of the present invention,

2 is a diagram illustrating a remote proxy payment flow of the proxy payment system according to an embodiment of the present invention,

Figure 3 is a control flow diagram showing a method showing a remote proxy payment process according to a preferred embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

100: merchant terminal 110: personal computer (PC)

120: PDA 130: landline

140: mobile phone 150: separate payment terminal

200: communication network 300: proxy payment system

310: gateway server 320: short message transmission (SMS) server

330: voice answering system (ARS) 340: CID detection server

350: automatic call system (ACS) server 400: remote payment mobile phone

500: mobile phone payment company 600: credit card payment company

In order to achieve the above object, the present invention provides a remote surrogate payment system for paying a specific service fee and a specific product purchase fee through a mobile phone of a remote location:

An affiliated store terminal requesting payment of a fee for the specific service and a specific product purchase from the remote mobile phone;

A communication network connecting the affiliated store terminals to perform communication with a remote payment mobile phone;

A remote payment mobile phone for real-time payment of a payment amount according to a payment request from the affiliated store terminal;

A proxy payment system that calls the remote payment mobile phone in response to a payment request from the affiliated store terminal, and controls and performs various payment operations according to data input from the remote payment mobile phone;

A mobile phone payment company for authenticating the remote payment mobile phone under the control of the proxy payment system and acting for payment processing and settlement accordingly; And

A credit card payment company that authenticates the credit card data input from the remote payment mobile phone under the control of the proxy payment system and acts on behalf of the payment processing and settlement; It provides a remote surrogate payment system using a mobile phone, characterized in that consisting of.

At this time, the affiliated store terminal is characterized in that the personal computer, PD, wired telephone, wireless telephone, and a separate payment terminal capable of being connected to the communication network.

In addition, the agent payment system is used to pay the merchant ID, the specific service fee and the specific product purchase fee for providing the specific service and the specific product input through the merchant terminal provided in the merchant providing the specific service and the specific product. Receives the telephone number of the mobile phone to be remote, the fee data according to the specific service and the purchase of a specific product and the payment request for the fee, and the mobile phone phone number when checking the payment of the remote mobile phone in conjunction with a payment provider server And a gateway server for authenticating the payment means of the third party who attempts payment through the mobile phone and paying the fee.

An automatic calling system server that automatically dials the telephone number of the remote mobile phone received from the gateway server; And

When a call path is established with the remote mobile phone according to a call attempt of the automatic calling system server, the mobile phone user notifies the payment amount according to the specific service and the specific product purchase and the payment request of the payment amount, and the payment intention of the mobile phone user. When confirmed, the automatic voice response system for providing a series of voice announcements for performing a micropayment using the mobile phone; characterized in that consisting of.

On the other hand, in a remote proxy payment method for paying a specific service fee and a specific product purchase fee through a mobile phone of a remote location:

If there is a payment request for the fee according to the specific service and the specific product purchase from the merchant terminal, the merchant ID input to the merchant terminal, the telephone number of the remote mobile phone to pay the specific service fee and the specific product purchase fee, the Receiving payment request data such as a fee according to a specific service and a specific product purchase;

Receiving the payment request data, transmitting a payment intention confirmation signal of the fee and a payment amount for the fee to the remote mobile phone number;

Determining whether the payment is a credit card or a mobile phone when a proxy payment doctor is confirmed from the remote mobile phone in response to the payment intention confirmation signal;

Receiving a credit card number, an expiration date, and an installment period through a voice answering system if the proxy payment is a credit card payment;

Requesting payment credit card authentication to a credit card payment company, and transmitting the input credit card payment data;

If the credit card inputted from the credit card payment company through the remote mobile phone is authenticated, completing the payment according to a payment completion confirmation key input from the remote mobile phone and transmitting a payment completion signal to the affiliated store terminal; It provides a remote proxy payment method using a mobile phone, characterized in that consisting of.

At this time, as a result of the proxy payment confirmation, if the surrogate payment is a mobile phone payment, receiving a social security number from the remote mobile phone through the automatic voice response system;

Requesting authentication of the remote mobile phone to a mobile phone payment company, and transmitting mobile phone payment data including the entered resident registration number;

If the remote mobile phone is authenticated by the mobile phone payment company, completing the payment according to a payment completion confirmation key input from the remote mobile phone and transmitting a payment completion signal to the affiliated store terminal; Characterized in that made.

In addition, if the affiliated store terminal is a landline telephone, detecting the telephone number of the affiliated store terminal from the payment request signal received from the affiliated store terminal;

Calling the phone number of the detected merchant terminal to inform that the payment is completed, and transmitting the voice that is confirmed from the merchant side; characterized in that it further comprises.

On the other hand, if a call path with the remote mobile phone is not established in the call attempt to transmit the payment intention confirmation signal of the fee and the payment amount for the fee, the telephone of the voice answering system to the phone number of the remote mobile phone. It provides a remote proxy payment method using a mobile phone, characterized in that it further comprises; transmitting a text message corresponding to the payment request containing a number.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same components have the same reference numerals as much as possible even if they are displayed on different drawings. Detailed descriptions of well-known functions and configurations that are determined to unnecessarily obscure the subject matter of the present invention will be omitted.

1 is a block diagram of a remote proxy payment system according to an embodiment of the present invention, the merchant terminal 100 requesting the payment of the fee for the specific service and the specific product to the mobile phone as shown And a communication network 200 connecting the affiliated store terminals 100 to perform communication with a remote payment mobile phone 400 and a remote place for real-time payment of a payment amount according to a payment request from the affiliated store terminal 100. In response to a payment request from the payment mobile phone 400 and the affiliated terminal 100, the remote payment mobile phone 400 is called, and various payment operations are performed according to data input from the remote payment mobile phone 400. The remote payment mobile phone 400 is authenticated according to the control of the surrogate payment system 300 and the surrogate payment system 300 to control and perform the payment destination accordingly. And authenticating credit card data input from the remote payment mobile phone 400 under the control of the mobile phone payment company 500 and the surrogate payment system 300 on behalf of the settlement, and acting for payment processing and settlement accordingly. It is composed of a credit card payment company (600).

The affiliated store terminal 100 may be an existing personal computer (PC) 110, a personal digital assistant (PDA) 120, a landline phone 130, a wireless phone 140, and a separate payment terminal 150. Also, the separate payment terminal 150 may be a card reader or a point of sale terminal.

The remote surrogate payment system of FIG. 1 will be described in detail with reference to FIG. 2. 2 is a view showing a remote payment automation flow of the proxy payment system according to a preferred embodiment of the present invention, the proxy system 300 according to the present invention, the merchant terminal 100, the remote payment mobile phone as shown 400 processes and controls signals between the mobile phone payment company 500 and the credit card payment company 600.

The proxy payment system 300 of Figure 2, if there is a payment request (S1) from the merchant terminal 100, the gateway server 310 receives it, using the ACS server 350 and the payment request (S1) The phone number of the remote payment mobile phone included in the received data is dialed. Then, when a currency path is formed, the ARS 330 is used to transmit a statement indicating a payment intention confirmation and a payment amount (S2). In this case, the gateway server 310 may transmit a short message simultaneously with the message transmission through the ARS 330 using the SMS server 320 or when the remote payment mobile phone 400 does not respond to the call. have. The short message may include the ARS 330 phone number and payment intention confirmation and payment amount.

The remote payment mobile phone 400 receiving the payment intention confirmation and the payment amount (S2) displays the payment intention according to the statement of the ARS 330, and the data for authentication, that is, the resident registration number in the case of mobile phone payment And, after inputting the credit card number, validity period and installment period in the case of credit card payment, the payment amount is settled according to normal authentication (S3). Accordingly, the proxy payment system 300 authenticates the credit card inputted through the remote payment mobile phone 400 or the remote payment mobile phone 400 to the mobile phone payment company 500 or the credit card payment company 600. The request is sent (S4, S4 '), and the payment is performed according to the authentication (S5) of the mobile phone payment company 500 or the authentication (S5') of the credit card payment company (S6, S6 ').

After the series of payment processes are normally performed, the proxy payment system 300 transmits a payment completion signal S7 to the affiliated store terminal 100.

As described above, the proxy payment system according to the present invention may perform payment in real time with a credit card and a mobile phone for a specific service fee and a specific product purchase fee of a merchant that require payment using a remote mobile phone.

3 is a control flowchart showing a method for remote proxy payment process according to a preferred embodiment of the present invention, with reference to FIGS. 1 to 3 will be described in detail remote proxy payment method using a mobile phone according to the present invention.

In the remote proxy payment process as shown in FIG. 3, the proxy payment system 300 receives payment request and payment request data from the affiliated store terminal 100 in steps 301 and 303. The payment request data may be an auto-attachable merchant ID, remote payment mobile phone number and payment amount.

In response to the payment request, the proxy payment system 300 transmits a voice and / or text informing the payment intention confirmation and the payment amount to the phone number of the remote payment mobile phone 400 in step 305. The voice is transmitted using the ARS 330 to a call path connected by the ACS server 350 of the proxy payment system 300, and the text can be transmitted in the form of a text message using the SMS server 320. Do.

Subsequently, if there is a substitute payment intention from the remote payment mobile phone 400 in step 307, the proxy payment system 300 proceeds to step 309 for credit card payment and step 319 for mobile phone payment. Perform the work accordingly.

First, when the credit card payment intention is received in step 307, the proxy payment system 300 receives data necessary for payment of the credit card in steps 309 to 313, and the credit card payment company 600 in step 315. Request a payment credit card verification.

On the other hand, when the mobile phone payment intention is received in step 307, the proxy payment system 300 receives the social security number as data to be used for authentication of the mobile phone in step 319, and the mobile phone payment company 500 in step 321 Request remote payment mobile phone authentication. Credit card data and social security number to be used for the authentication is input by the voice answering system (330).

In operation 317, the proxy payment system 300 determines whether there is authentication from the payment company among the mobile phone payment company 500 and the credit card payment company 600, and if so, proceeds to step 323. It is determined whether a payment completion key is input.

On the other hand, if there is no authentication in step 317 proceeds to step 325 transmits a payment failure signal, and if there is no payment completion key input in step 323 and proceeds to step 325 also transmits a payment failure signal. As described above, the agent payment system 300 according to the present invention informs the merchant terminal 100 of the progress of each step at each stage so that the merchant terminal 100 knows the progress of the payment operation. Send a signal.

In this case, when the affiliated store terminal 100 is a wired telephone 130, since the progress of the payment operation cannot be visually known, the proxy payment system 300 may provide a CID detection server at the request for payment from the affiliated store terminal 100. The phone number of the affiliated store terminal 100 is detected using 340. In addition, when a call path is formed by making a call to the affiliated store terminal 100 using the ACS 350, the ARS 330 confirms the payment progress and payment completion.

If there is a payment completion key input in step 323, the proxy payment system 300 determines payment completion and transmits a payment completion signal to the affiliated store terminal 100 in step 327.

In this case, when the affiliated store terminal 100 is a wired telephone 130, since the progress of the payment operation cannot be visually recognized, the proxy settlement system 300 may request a CID from the affiliated store terminal 100 when a payment request is made (S1). The phone number of the affiliated store terminal is detected using the detection server 340. In addition, when a call path is formed by making a call to the affiliated store terminal 100 using the ACS 350, the ARS 330 confirms the payment progress and payment completion.

On the other hand, in the detailed description of the present invention has been described with reference to specific embodiments, of course, various modifications are possible without departing from the scope of the invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the scope of the following claims, but also by the equivalents of the claims.

As described above, in the present invention, when there is no payment means including a mobile communication terminal or when there is insufficient amount of money compared to the payment amount, when a particular service fee and a specific product purchase fee are to be paid offline. Providing credit card payment and mobile phone payment by a third party at a remote location through a mobile phone at a remote location has the advantage of real-time payment of a fee for a specific service and a specific product purchase.

In addition, even if adolescents with no income, or those who do not have a credit card for other reasons, wish to pay a fee, a remote third party can make a remote payment with a credit card or mobile phone using their mobile phone in real time. There is an advantage to that.

Claims (7)

In a remote proxy payment system for payment of a specific service fee and a specific product purchase fee through a remote mobile phone: An affiliated store terminal requesting payment of a fee for the specific service and a specific product purchase from the remote mobile phone; A communication network connecting the affiliated store terminals to perform communication with a remote payment mobile phone; A remote payment mobile phone for real-time payment of a payment amount according to a payment request from the affiliated store terminal; A proxy payment system that calls the remote payment mobile phone in response to a payment request from the affiliated store terminal, and controls and performs various payment operations according to data input from the remote payment mobile phone; A mobile phone payment company for authenticating the remote payment mobile phone under the control of the proxy payment system and acting for payment processing and settlement accordingly; And A credit card payment company that authenticates the credit card data input from the remote payment mobile phone under the control of the proxy payment system and acts on behalf of the payment processing and settlement; Remote surrogate payment system using a mobile phone, characterized in that consisting of. The method of claim 1, wherein the affiliated store terminal, The remote proxy payment system using a mobile phone, characterized in that the personal computer, PD, wired telephone, wireless telephone and a separate payment terminal connected to the communication network capable of communication. According to claim 1, The surrogate payment system, The telephone of the remote mobile phone to be used when paying for the merchant ID inputted through the merchant terminal provided in the merchant providing the specific service and the specific product, the specific service fee and the specific product purchase fee. Receives a payment request for the fee, the fee data according to the specific service and the specific product purchase, and the payment, and the payment via the mobile phone number and the mobile phone when the payment confirmation of the remote mobile phone in conjunction with the payment provider server A gateway server for authenticating the third party's payment means and attempting to pay the fee; An automatic calling system server that automatically dials the telephone number of the remote mobile phone received from the gateway server; And When a call path is established with the remote mobile phone according to a call attempt of the automatic calling system server, the mobile phone user notifies the payment amount according to the specific service and the specific product purchase and the payment request of the payment amount, and the payment intention of the mobile phone user. When confirmed, the automatic voice answering system for providing a series of voicement for performing a micropayment using the mobile phone; Remote surrogate payment system using a mobile phone, characterized in that consisting of. In the remote proxy payment method for paying a specific service fee and a specific product purchase fee through a mobile phone of a remote location: If there is a payment request for a fee according to the specific service and a specific product purchase from a merchant terminal, the merchant ID input to the merchant terminal, the telephone number of the remote mobile phone to pay the specific service fee and the specific product purchase fee, the Receiving payment request data such as a fee according to a specific service and a specific product purchase; Receiving the payment request data, transmitting a payment intention confirmation signal of the fee and a payment amount for the fee to the remote mobile phone number; Determining whether a credit card payment or a mobile phone payment is made when a proxy payment is confirmed from the remote mobile phone in response to the payment intention confirmation signal; Receiving a credit card number, an expiration date, and an installment period through a voice answering system if the proxy payment is a credit card payment; Requesting payment credit card authentication to a credit card payment company, and transmitting the input credit card payment data; If the credit card inputted from the credit card payment company through the remote mobile phone is authenticated, completing the payment according to a payment completion confirmation key input from the remote mobile phone and transmitting a payment completion signal to the affiliated store terminal; Remote proxy payment method using a mobile phone, characterized in that consisting of. The method of claim 4, wherein If the proxy payment result, the proxy payment is mobile phone payment, Receiving a social security number from the remote mobile phone through a voice answering system; Requesting authentication of the remote mobile phone to a mobile phone payment company, and transmitting mobile phone payment data including the entered social security number; If the remote mobile phone is authenticated by the mobile phone payment company, completing the payment according to a payment completion confirmation key input from the remote mobile phone and transmitting a payment completion signal to the affiliated store terminal; Remote proxy payment method using a mobile phone, characterized in that consisting of. The method of claim 4, wherein if the merchant terminal is a landline telephone, Detecting a telephone number of the affiliated store terminal from the payment request signal received from the affiliated store terminal; Calling the phone number of the detected merchant terminal to notify that the payment is completed, and transmitting the voice confirmation from the merchant side; Remote proxy payment method using a mobile phone, characterized in that further comprising. The method of claim 4, wherein If a call path is not established with the remote mobile phone in a call attempt to transmit the payment intention confirmation signal of the fee and the payment amount for the fee, And transmitting a text message corresponding to the payment request including the phone number of the voice answering system to the phone number of the remote mobile phone.