KR20040052132A - Method and System for Downloading Store Membership Program By Using Mobile Telecommunication Terminal - Google Patents

Abstract

PURPOSE: A method and a system for downloading an affiliate membership program to a mobile terminal are provided to selectively download a membership program from a mobile communication network, a Web site and an affiliate store, store it, and pay a charge by using the program. CONSTITUTION: A mobile terminal(110) downloads a membership program through mobile communication network and pays a charge at an affiliate store(150). The Internet(160) transmits and receives data to and from the mobile communication network. A WAP(Wireless Application Protocol) gateway(140) makes the mobile communication network and the Internet(160) to interwork. A mobile communication provider server(170) transmits the membership program through the mobile communication network. A database server(180) stores user information. The affiliate store(150) has a credit card inquiring unit for processing payment of a charge. An electronic banking settlement system(190) determines whether to approve the membership program and supports settling of payment.

Description

Method and System for Downloading Store Membership Program By Using Mobile Telecommunication Terminal}

The present invention relates to a method and system for downloading a membership membership program to a mobile communication terminal. More specifically, the user selectively downloads and stores one or more membership programs used by various affiliate stores using mobile communication terminals from mobile communication networks, websites, and respective affiliate stores, and pays the bills using stored membership programs. It relates to a method and a system.

As people began to live in groups, the concept of economic activity that began with barter began to form. As society developed more and more, barter trade became increasingly difficult to function, and a new concept of trading, a currency to replace barter, was introduced. In other words, people can use money to buy goods or pay for services provided. However, it is difficult for people to carry money all the time, and in the case of a large amount of money, the weight of the money itself is heavy and sometimes it is difficult to carry it. To compensate for this disadvantage, new payment methods such as credit cards have emerged.

A credit card is an identification card, usually made of plastic, issued by a bank or a large store. The credit card holder pays in advance or pays cash in order to later calculate the price of the goods purchased or the service fee provided. It is used to withdraw cash from cash dispensers (CDs). There are two types of credit cards, the magnetic type and the chip-based type.

However, credit cards that are currently in use have a problem that their functions are largely biased for payment, cash service, and the like, and various other additional services cannot be provided. Membership cards are widely used to supplement these problems and provide various benefits to users, such as price discounts and point accumulation.

A membership card is a card issued to a user who is a member of an individual company or a store, and can be used in a company, a store, or a store that is affiliated with a company for payment. Currently, membership cards are used for payment at mobile communication companies, bakeries, restaurants, amusement parks, cinemas, beauty salons, sports stadiums, gas stations, insurance companies, department stores, various living facilities, car centers, and the like. How to use the membership card, users sign up to individual companies or stores through online or offline, receive a membership card through the mail, and present membership cards from companies, stores, and affiliated companies to make payments Benefits include discounts and point score accumulation.

However, in order to use a membership card, a user must always have a membership card of a company or a store, and in addition, a membership card must be issued for each company or store, so the number of membership cards that a user must possess is excessive. have. In addition, if the user has a lot of stores, etc. as a membership member, the user may not receive a benefit because he does not know that the store used is a store that can use the membership card.

On the other hand, in order to add a new function that did not exist in the existing membership card to remove the existing membership card, because the membership card itself must be newly issued, there is a problem that membership merchants have an economic burden. In addition, membership merchants are expensive to create a membership card when a user joins as a new membership member, and economic burdens such as mailing costs for sending the created membership card to the member's residence address are also high. There is a structural disadvantage to bear.

In order to solve the above-mentioned problems, the present invention selectively downloads one or more membership programs used by various affiliated stores from a mobile communication network, a website and respective affiliated stores using a mobile communication terminal, and stores the stored membership program. An object of the present invention is to propose a method and system for making a payment using a credit card.

1 is a diagram briefly showing a membership program service system for payment using a mobile communication terminal according to an embodiment of the present invention;

2 is a block diagram briefly illustrating an internal configuration of a mobile service provider server according to an embodiment of the present invention;

3 is a block diagram briefly illustrating an internal configuration of a mobile communication terminal according to an embodiment of the present invention;

4 is a flowchart illustrating a process of using a membership program service according to an embodiment of the present invention.

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

100: membership program service system 110: mobile communication terminal

120: wireless base station 122: base station transmitter

124: base station controller 130: mobile switching center

140: WAP Gateway 150: Merchant

152: Computer 154: Credit Check Terminal

160: Internet 170: mobile service provider server

180: database server 210: membership program management unit

220: web page operation unit 230: control unit

240: display unit 250: NIC

260: data input unit 270: database management unit

302: program memory 304: key input unit

306: LCD display unit 308: data storage unit

310: mode state storage unit 312: subscriber information storage unit

314: microprocessor 316: digital signal processor

318: baseband converter 326: RF signal processor

To this end, the present invention is a system for downloading and using an affiliated store membership program to a user's mobile communication terminal by connecting a plurality of affiliated stores and financial institutions to the Internet, and downloading and storing the membership program through a mobile communication network. A mobile communication terminal for paying at the affiliated store through a membership program; An internet for transmitting and receiving data to and from the mobile communication network in a packet manner; A WAP gateway for interworking the mobile communication network and the Internet by performing a process of converting a communication code or a protocol between the mobile communication network and the Internet; A mobile service provider server operating a website for a membership program service and receiving a request signal for transmitting the membership program from the mobile communication terminal and transmitting the membership program through a mobile communication network; A database server for storing information about the membership program for each affiliate, each list of the affiliated stores, and information about a user who has subscribed as a member to the membership program service; At least one affiliated store having a credit inquiry terminal configured to transmit and receive data with the mobile communication terminal to process a payment; And an electronic financial settlement system for receiving the membership information of the user from the affiliated store, determining whether to use the membership program, and supporting the payment. To provide.

According to another object of the present invention, a method of downloading and using an affiliated store membership program to a user's mobile terminal by connecting a plurality of affiliated stores and financial institutions over the Internet, the method comprising: (a) the mobile communication terminal by the mobile communication provider server Connected to and selecting the membership program service; (b) inquiring, by the mobile terminal, the affiliated store through an authentication process and requesting transmission of the membership program of a specific affiliated store; (c) the mobile telecommunications provider server transmitting the membership program stored in the database server to the mobile telecommunication terminal; (d) when the payment request by the mobile communication terminal is generated, checking, by the credit inquiry terminal, whether the membership program is stored in the mobile communication terminal; (e) reading and sending the membership information to the electronic financial settlement system; And (f) the credit inquiry terminal receiving the use approval signal from the electronic financial settlement system and paying for the payment.

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 reference numerals are used as much as possible even if displayed on different drawings. In addition, in describing the present invention, when it is determined that the detailed description of the related well-known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted.

1 is a diagram briefly showing a membership program service system 100 for making payments using a mobile communication terminal 110 according to an exemplary embodiment of the present invention.

The membership program service system 100 according to the preferred embodiment of the present invention includes a mobile communication terminal 110, a wireless base station 120, a mobile switching center 130, a WAP gateway 140, one or more affiliated stores 150, the Internet ( 160, a mobile operator server 170, a database server 180, and an electronic financial settlement system 190.

The mobile communication terminal 110 not only performs a phone call through a wireless communication with the other party via a mobile communication network, but also accesses a mobile communication service provider server 170 via a wireless Internet and selectively downloads a membership program according to the present invention. Terminal to perform. Here, the membership program is an electronic form of the membership card used previously, and the membership program includes membership information such as card number, expiration date, password, user information (name, social security number, etc.) and merchant code information. Included.

In addition, the mobile communication terminal 110 functions to easily pay the price at a specific affiliate store 150 using a membership program downloaded and stored from the mobile communication service provider server 170.

To this end, the mobile terminal 110 may include a wireless application protocol (WAP), which is a wireless Internet access protocol, a Microsoft Internet Explorer (MIE) based on Hyper Text Markup Language (HTML) using a Hyper Text Transfer Protocol (HTTP), Mobile service provider server (170) via a mobile communication network using a browser for Internet connection such as Handheld Device Transport Protocol (HDPT), NTT DOKOMO's "i-Mode" or SK Telecom's "Nate". Connect with).

Meanwhile, the mobile communication terminal 110 may receive and store a membership program using a computer that can access the Internet without accessing the mobile communication service provider server 170. That is, a user accesses a web page operated by a mobile communication service provider server 170 using a computer with Internet access, searches for a desired affiliate store, downloads the corresponding membership program, and stores it in his computer. Then, the user transfers the membership program to the mobile communication terminal 110 by connecting a serial communication port or a universal serial bus (USB) port on the rear of the computer main body with a data communication port of the mobile communication terminal 110 using a serial cable. Can be.

Recently, mobile communication terminals equipped with an infrared communication module capable of transmitting and receiving data with other communication devices using infrared (IR) are widely used. Therefore, if you use an external infrared adapter (Adaptor) that has a built-in infrared port, which is hardware for infrared communication, or a cable connected to the computer's USB port or RS-232C (Recommended Standard-232C) port, The membership program stored in the terminal may be transmitted to the mobile communication terminal 110.

Of course, after downloading and storing the membership program stored in the database server 180 to the computer via the Internet, it may be stored again to the mobile communication terminal 110, but do not store the membership program downloaded to the computer via the Internet on the computer It may be stored directly to the mobile communication terminal 110 without. To this end, both the computer receiving the membership program and the mobile communication terminal 110 through the Internet should be operating in a state consistent with any one of data transmission / reception modes using RF communication, infrared communication, and Bluetooth communication.

In addition, the user may visit the affiliated store 150 to obtain a membership program directly. That is, all affiliated stores 150 according to an exemplary embodiment of the present invention store different membership programs (including separate codes for each affiliated store) for each affiliated store 150. Accordingly, the user can communicate with the mobile terminal through a radio frequency (RF) communication or an infrared communication through a credit authorization terminal (CAT) 154 installed in the affiliate store 150. The membership program may be received and stored in the terminal 110. This is done by inserting a dongle of about 5 to 10 cm in length into the serial communication port or USB port of the credit inquiry terminal 154, which is an adapter capable of accepting short-range data communication such as RF, infrared, and Bluetooth. It is possible. Of course, in the case of using infrared communication rather than RF communication, the mobile communication terminal 110 should also have a chipset for infrared communication.

On the other hand, the mobile communication terminal 110 according to the embodiment of the present invention includes a mobile phone, a PDA (PDA) and the like.

The wireless base station 120 receives a wireless internet access request signal (hereinafter referred to as a connection request signal) of the mobile communication terminal 110 and performs a function of allocating or releasing a wireless channel and performing a base station transmitter (BTS: Base). And a base station controller (BSC) 124. Here, the base station transmitter 122 receives a connection request signal from the mobile communication terminal 110 through a traffic channel of the signal channel, and transmits the received connection request signal to the base station controller 124. In addition, the base station controller 124 controls the base station transmitter 122 and performs various call processing functions such as support for incoming and outgoing call processing and message processing of the base station transmitter 122. The base station controller 124 transmits the connection request signal received through the base station transmitter 122 to the mobile switching center 130.

The mobile switching center 130 generally performs a control function and a linkage function with a public switched telephone network (PSTN) to allow a plurality of wireless base stations 120 to be efficiently operated. In addition, the mobile switching center 130 transmits the access request signal received from the wireless base station 120 to the WAP gateway 140.

The WAP gateway 140 performs a software function of interconnecting the mobile communication network and the wired Internet network by performing a process such as communication code conversion or protocol conversion between the mobile communication network and the wired Internet network so as to quickly retrieve and display information on the wired Internet. Do this. That is, the WAP gateway 140 converts the WAP protocol and the Internet TCP / IP protocol. Therefore, the HTTP protocol is used between the mobile communication service provider server 170 and the WAP gateway 140 connected to the Internet 160, and the WAP protocol is used between the mobile communication terminal 110 and the WAP gateway 140 to provide data. Sending and receiving is done. The WAP gateway 140 converts a Uniform Resource Locator (URL) request from the mobile communication network into the HTTP protocol according to the WAP protocol, and then transmits the request to the mobile service provider server 170 according to the HTTP protocol through the Internet 160. Request a website address.

In addition, the WAP gateway 140 converts the HTML data received from the mobile service provider server 170 into a binary code so that the mobile communication terminal 110 can recognize it, and transmits the HTML data to the mobile communication terminal 110. . Since the data passing through the WAP gateway 140 is converted into a binary code, the amount of data is reduced and the data transmission speed is improved when transmitting to the mobile communication network.

The merchant 150 stores a particular membership program and a computer 152 capable of accessing the Internet storing a payment program having a payment function using a membership program according to an embodiment of the present invention, and credits for transmitting and receiving data for payment. An inquiry terminal 154 is provided. That is, the computer 152 connects to the mobile communication service provider server 170 through the Internet 160 to download the membership program for the first time or to update the membership program later. In addition, as described above, the credit inquiry terminal 154 transmits the membership program to the mobile communication terminal 110 by using RF communication or infrared communication, and receives the membership information of the membership program embedded in the mobile communication terminal 110. To the mobile communication provider server 170 and the electronic financial settlement system 190 via the Internet 160.

That is, when a download request signal of a membership program using data transmission technology such as RF communication, infrared communication, and Bluetooth is transmitted from the mobile communication terminal 110, the dongle mounted on the credit inquiry terminal 154 of the affiliate store 150 is RF communication. Receives the signal transmitted by any one method, infrared communication, Bluetooth. The signal transmitted from the mobile communication terminal 110 includes a key value stored in a chip detachably mounted on the mobile communication terminal 110. Here, the key value is a concept similar to a kind of card number for using various additional services (eg, cash payment, credit settlement, etc.) using the mobile communication terminal 110. For example, the information of the Moneta card currently being serviced by SK Telecom is stored in the chip and can be seen as detachably mounted in the mobile communication terminal 110.

The dongle receiving the signal transmitted from the mobile communication terminal 110 transmits to the credit information query 154, and the credit information query 154 transmits the received information to the mobile communication service provider server 170 through the Internet 160. To send). The mobile service provider server 170 receiving the key value through the Internet 160 authenticates the mobile communication terminal 110 and reads the corresponding membership program from the database server 180 to display the Internet 160 and the credit inquiry terminal ( 154 and through the dongle to the mobile communication terminal 110.

The mobile service provider server 170 operates a webpage constructed with HTML and a website constructed with WML (Wireless Markup Language) to provide a webpage to a computer or a mobile communication terminal 110 so that a user or a merchant manager may join the membership. Download the program. In addition, a variety of information, such as point system, discount system, various events (Event), the list of available membership programs, merchant status, etc. are provided to the user or merchant manager. The mobile service provider server 170 will be described in more detail with reference to FIG. 2.

The database server 180 includes a membership program database, a merchant database, and a member database according to an embodiment of the present invention. The membership program database stores a membership program including different affiliate store code information for each affiliated store subscribed to the membership program service system of the present invention. The member database stores member information including types of membership programs, membership information related to each membership program, etc. that all members download from the mobile communication service provider server 170. Meanwhile, the member information stored in the member database is transmitted to the electronic financial settlement system 190 through the Internet 160 for the financial function of the membership program.

The electronic financial settlement system 190 refers to a network system for electronic banking built in various financial institutions such as banks and credit card companies. The electronic financial settlement system 190 has a payment approval program and a database. Here, the payment approval program receives the payment approval request signal from the affiliated store 150 using the member information received from the mobile communication service provider server 170 and stored in the database to determine whether the approval to generate an approval number, The generated approval number is transmitted to the affiliated store 150 and the payment is performed. This is the same as the electronic payment process using a conventional credit card, a detailed description thereof will be omitted.

2 is a block diagram schematically illustrating an internal configuration of a mobile service provider server 170 according to an exemplary embodiment of the present invention.

Mobile service provider server 170 according to an embodiment of the present invention is a membership program management unit 210, web page operation unit 220, control unit 230, display unit 240, network interface card (NIC: Network Interface Card, (Hereinafter referred to as an 'NIC') 250, a data input unit 260, and a database manager 270.

The membership program manager 210 controls update, deletion, etc. of the membership program, and controls the user to transmit the membership program selected through the wired or wireless Internet. In addition, the membership program management unit 210 using the mobile identification number (MIN) of the mobile communication terminal 110 of the information of the new subscribers transmitted from each affiliated store 150 by time or day, the corresponding mobile communication terminal 110 ) Will send one or more membership programs in a batch.

The webpage operation unit 220 includes a webpage constructed of an HTML document and a WML document including various information for the membership program service according to the present invention, such as a list of membership programs, merchant status, membership registration, usage guide, and announcements. Function to operate.

The controller 230 receives data transmitted through the mobile communication network or the Internet 250 from the mobile communication terminal 110, the computer, and the affiliated store 150 so that the mobile communication service provider server 170 performs the requested operation. Function to control.

The display unit 240 is provided in the form of a monitor so that an administrator who manages the mobile communication service provider server 160 may view the display unit 240. In addition to the processing status according to data input from the data input unit 260, the display unit 240 may include a web page operating unit ( And display various web pages generated in operation 220. The NIC 250 is a communication module that provides a communication interface for data communication with the Internet 160.

The data input unit 260 is a data input device such as a keyboard or a mouse that provides a data input function when an administrator manually adds or updates information information stored in the database server 180. . That is, the administrator may add new affiliate store or member data to the database server 180 or store, update, or delete a membership program using the data input unit 260.

The database manager 270 controls data input and output of the database server 180. That is, when data is input by the data input unit 260, a function of updating and storing data stored in the subscriber database 170 is provided. The database manager 270 is a software program of the mobile telecommunication service provider server 160 using, for example, an "Oracle9i DB Release 2" server program of Oracle or a server program of "MS-SQL Server 2000" of Microsoft. Is installed as

3 is a block diagram briefly illustrating an internal configuration of a mobile communication terminal 110 according to an embodiment of the present invention.

The mobile communication terminal 110 according to an embodiment of the present invention includes a program memory 302, a key input unit 304, a liquid crystal display (LCD) display unit 306, a data storage unit 308, and a mode state storage unit 310. ), Subscriber Identity Module (SIM) 312, Microprocessor (314), Digital Signal Processor (DSP: Digital Signal Processor (hereinafter referred to as "DSP") 316), Baseband (Baseband A conversion unit 318, a speaker 320, a microphone 322, an antenna 324, an RF signal processing unit 326, and the like.

The program memory 302 stores protocol software that implements functions of the terminal itself and processes messages transmitted and received from the network. Particularly, the program memory 302 stores one or more membership programs transmitted from the mobile operator server 170 or the merchant 150. It is.

The key input unit 304 is provided with a plurality of key buttons for inputting numbers such as telephone numbers. Therefore, the user inputs a password for user authentication by pressing a key button of the key input unit 304 during the payment process using the mobile communication terminal 110 at the affiliated store 150.

The LCD display unit 306 displays an operation state of the mobile communication terminal 110 including a state of use of a battery, a reception strength of radio waves, a date and time, and the data storage unit 308 displays a mobile communication terminal 110. The program functions as a data buffer when the program is executed, and also temporarily stores the number input by the key input unit 304 or stores data such as a character or an image received from the external terminal.

The mode state storage unit 310 stores the current operation mode of the mobile communication terminal 110 selected by the key input unit 304 as a state flag (0, 1,2, ...). That is, the mode state storage unit 310 is for each mode to distinguish whether the mobile communication terminal 110 is in the wireless Internet access mode for receiving the membership program, the billing mode for payment, etc. Manage by assigning status flags.

The subscriber information storage unit 312 stores subscriber registration information. The subscriber information storage unit 312 is also called a SIM card because it is inserted into a slot in the form of a card, and performs an interface function between the mobile communication terminal 110 and a communication network. The SIM card stores the MIN, personal security key, and various data necessary for the operation of the terminal. If the SIM card is removed from the terminal and attached to another terminal, voice and data communication are possible. That is, when the power of the mobile communication terminal is turned on, the mobile communication terminal exchanges all information on the SIM card with the mobile communication network, and the use of the voice communication and data transmission and reception are possible at the same time as the use approval is lost from the mobile communication network.

The microprocessor 314 controls the operation of the mobile communication terminal 110 based on the state flag stored in the mode state storage unit 310. In particular, when the membership program download menu is selected by the key input unit 304, the microprocessor 314 accesses the mobile communication service provider server 170 via the wireless Internet via the mobile communication network and the WAP gateway to control the membership registration procedure. Control download of the membership program. To this end, the microprocessor 314 transmits digital data for this function to the baseband converter 318 (TX DATA).

The DSP 316 is a digital signal processing processor that codes or decodes a voice signal, functions as an equalizer for multipath noise cancellation, and performs an acoustic data processing function. In addition, the DSP 316 exchanges voice data SPEECH with the baseband converter 318 and receives digital data RX DATA from the baseband converter 318.

The baseband converter 318 converts signals transmitted and received between the RF signal processor 326 and the DSP 316, the speaker 320, and the microphone 322 into baseband signals, and converts the digital-to-analog conversion and It performs a function of processing the analog-to-digital conversion, etc., the speaker 320 outputs the audio signal output from the baseband conversion unit 318 as an audible sound, the microphone 322 is an electrical signal of the user Convert. The baseband converter 318 transmits the transmission data (TXIQ) to the RF signal processor 326, and controls the power (POWER) of the RF signal processor 326 or automatically controls its gain (AGC). The RF signal processor 326 receives the received signal RXIQ.

The antenna 324 transmits and receives a radio signal, and the RF signal processor 326 demodulates and amplifies an RF signal received by the antenna 324, modulates a transmission signal applied from the baseband converter 318, and then RF signal processor. Output to (326).

On the other hand, although not shown in Figure 3, the mobile communication terminal 110 according to the embodiment of the present invention is equipped with an infrared communication module, Bluetooth communication module, etc. for transmitting and receiving data with an external communication device.

4 is a flowchart illustrating a process of using a membership program service according to an embodiment of the present invention.

A user who wants to use the membership program service according to an embodiment of the present invention connects to the mobile communication service provider server 170 via the mobile communication network and the WAP gateway using the mobile communication terminal 110 (S400). Of course, as described in FIG. 1, the user may access the web site of the mobile communication service provider server by using a computer with internet access.

A user of the mobile communication terminal 110 connected to the mobile service provider server 170 operates a key button of a membership program service menu according to an embodiment of the present invention among various wireless Internet menus provided by the mobile service provider server 170. Select through (S402).

When the membership program service menu is selected from the mobile communication terminal 110, a screen for user authentication is provided to the mobile communication terminal 110, and the mobile communication service provider server 170 uses a password transmitted from the mobile communication terminal 110. By performing the user authentication (S404).

When the user authentication is successfully performed in step S404, the mobile communication service provider server 170 provides a list screen of affiliated stores to the mobile communication terminal 110, and the user searches and selects the desired affiliate store (S406).

The user requests the transmission of the membership program used in the affiliated store selected in step S406 using the mobile communication terminal 110 (S408).

The mobile telecommunication service provider server 170 receiving the membership transmission request signal from the mobile communication terminal 110 reads out the requested membership program from among the membership programs for each merchant stored in the database server 180 and passes through the Internet 160. The WAP gateway 140 transmits the data to the WAP gateway 140 (S410).

After receiving the membership program and the MIN of the mobile communication terminal 110 to be transmitted from the mobile operator server 170, the WAP gateway 140 converts the text data into binary data and then the mobile communication terminal 110 through the mobile communication network. The membership program is transmitted to 110 (S412). Of course, until now, the user has described a process of downloading a membership program of a desired affiliate store through a predetermined process by accessing the mobile communication provider server 170 through a communication network using a mobile communication terminal 110 or a computer. Visit the affiliated store 150 directly and receive the membership program stored in the computer 152 of the affiliated store 150 through the credit inquiry terminal 154.

After the user purchases goods and the like at a particular affiliated store 150, the user attempts to pay using the mobile communication terminal 110 in which the membership program of the affiliated store 150 is stored (S414).

The credit inquiry terminal 154 provided in the affiliated store 150 searches whether the membership program of the affiliated store 150 is stored in the mobile communication terminal 110 by using an RF communication technology or an infrared communication technology (S416).

If the credit inquiry terminal 154 determines that the membership program of the affiliated store 150 is stored in the mobile communication terminal 110 (S418), the credit inquiry terminal 154 reads the degree of membership included in the membership program and electronically through the Internet 160. The financial settlement system 190 transmits (S420).

The electronic financial settlement system 190 that receives the membership information from the credit inquiry terminal 154 of the affiliate store 150 through the Internet 160 determines whether to use the membership program using the received membership information (S424). .

If it is determined in step S424 that the use of the membership program is approved for use, the electronic financial settlement system 190 generates a use approval signal, transmits it to the credit inquiry terminal 154 through the Internet 160, and receives the use approval signal. The credit inquiry terminal 154 processes the payment as much as entered by the manager of the merchant 150 (S426). Of course, the credit inquiry terminal 154 transmits the details related to payment (date, user, membership information, payment price, merchant code, authorization number, etc.) to the electronic financial settlement system 190 via the Internet 160.

The credit inquiry terminal 154 that processed the payment using the membership program stored in the mobile communication terminal 110 transmits the user's payment details (payment, payment date, purchase goods information, etc.) to the connected computer 152. Transfer to the database of the user (S428).

The above description is merely illustrative of the present invention, and those skilled in the art to which the present invention pertains may various modifications without departing from the essential characteristics of the present invention. Accordingly, the embodiments disclosed herein are not intended to limit the present invention but to describe the present invention, and the spirit and scope of the present invention are not limited by these embodiments. It is intended that the scope of the invention be interpreted by the following claims, and that all descriptions within the scope equivalent thereto shall be construed as being included in the scope of the present invention.

As described above, the membership card, which has been conventionally used, has various disadvantages such as system construction cost, difficulty in possession, and risk of loss in spite of various and convenient functions. However, according to the present invention, different membership cards for various types of affiliated stores are in electronic form. The user solves the difficulty of having a large number of membership cards stored in one mobile communication terminal 110.

In addition, you can visit the merchant directly to receive a membership program, but you can download the membership program anytime and anywhere using a computer or mobile terminal 110, etc., and register as a member in the desired merchant, one mobile communication The terminal 110 has an advantage of making payment securely in a plurality of merchants.

Claims (23)

As a system that connects a number of merchants and financial institutions to the Internet and downloads and uses merchant membership programs to a user's mobile terminal. A mobile communication terminal which downloads and stores the membership program through a mobile communication network and pays the bill at the affiliated store with the stored membership program; An internet for transmitting and receiving data to and from the mobile communication network in a packet manner; A wireless application protocol (WAP) gateway for interworking the mobile communication network with the Internet by performing a process of converting a communication code or a protocol between the mobile communication network and the Internet; A mobile service provider server operating a website for a membership program service and receiving a request signal for transmitting the membership program from the mobile communication terminal and transmitting the membership program through a mobile communication network; A database server for storing information about the membership program for each affiliate, each list of the affiliated stores, and information about a user who has subscribed as a member to the membership program service; At least one affiliated store having a credit inquiry terminal configured to transmit and receive data with the mobile communication terminal to process a payment; And An electronic financial settlement system that receives membership information of the user from the affiliated store, determines whether to use the membership program, and supports the payment. Merchants membership program download system to a mobile communication terminal comprising a. The method of claim 1, The mobile communication terminal includes a mobile phone, a PDA (PDA) member download program membership system to the mobile communication terminal, characterized in that. The method of claim 1, The WAP gateway is a merchant membership program download system for a mobile communication terminal, characterized in that for converting the WAP protocol and the Internet TCP / IP (Transfer Internet Protocol / Internet Protocol) protocol programmatically. The method of claim 1, And the mobile communication terminal connects to the mobile communication service provider server using WAP and HTTP protocol, which are wireless Internet access protocols, via the mobile communication network. The method of claim 1, The mobile communication service provider server includes a membership program manager which manages the list of the membership program, updates the membership program, and transmits the membership program to the mobile communication terminal. Merchant membership program download system. The method of claim 1, The mobile service provider server is a website built in HTML (Hyper Text Markup Language) and WML (Wireless Markup) to provide the membership program service to the mobile communication terminal performing wireless internet access and a computer performing wired internet access. And a membership program download system for a mobile communication terminal, comprising: a web page operating unit for operating a website constructed in a language). The method of claim 1, The merchant server code is assigned to each of the affiliated stores in the database server, the affiliated shop membership program download system to the mobile communication terminal, characterized in that the matching of the membership program of the affiliated store (Matching). The method of claim 1, The credit inquiry terminal is provided with a data transmitting and receiving device (Dongle) for transmitting and receiving data with the mobile communication terminal using the RF communication, infrared communication and Bluetooth (Bluetooth). Loan Membership Membership Program Download System. The method according to claim 1 or 8, The mobile communication terminal receives and stores the membership program stored in the computer of the affiliated store through the data transmission and reception device, characterized in that the member program download system to the mobile communication terminal. The method of claim 1, Receives the membership program by accessing the mobile operator server through the Internet using a computer, and through a serial cable connected to the Universal Serial Bus (USB) port, the RS-232C port, and the infrared port of the computer. The member shop membership program download system of claim 1, wherein the mobile communication terminal receives the membership program. The method according to claim 1 or 10, And the mobile communication terminal receives the membership program using any one of an RF communication, an infrared communication, and a Bluetooth communication with the computer. The method of claim 11, The transmission and reception of the membership program between the computer and the mobile communication terminal may be performed after the computer stores the membership program received from the mobile communication service provider server in a storage device or simultaneously with receiving the membership program. Merchant membership program download system to the mobile communication terminal, characterized in that. The method of claim 12, The computer and the mobile communication terminal are matched with any one of an RF communication mode, an infrared communication mode, and a Bluetooth mode in order for the computer to receive the membership program from the mobile communication service provider server and to be transmitted to the mobile communication terminal. Membership program download system to the mobile terminal, characterized in that the operating state. The method of claim 11, And the one or more of an RF communication module, an infrared communication module, and a Bluetooth communication module are installed in the mobile communication terminal to receive the membership program from the computer. A mobile communication terminal which downloads and stores the membership program through a mobile communication network and pays the bill at the affiliated store with the stored membership program; An internet for transmitting and receiving data to and from the mobile communication network in a packet manner; A WAP gateway for interworking the mobile communication network and the Internet by performing a process of converting a communication code or a protocol between the mobile communication network and the Internet; A mobile service provider server operating a website for a membership program service and receiving a request signal for transmitting the membership program from the mobile communication terminal and transmitting the membership program through a mobile communication network; A database server for storing the membership program for each affiliate, the list of each affiliated store, and information of a user who has subscribed as a member to the membership program service; At least one affiliated store having a credit inquiry terminal configured to transmit and receive data with the mobile communication terminal to process a payment; And receiving the membership information of the user from the affiliate store to determine whether to use the membership program, and downloading and using the affiliate program from a system having an electronic financial settlement system supporting the payment. (a) connecting the mobile communication terminal to the mobile communication service provider server and selecting the membership program service; (b) inquiring, by the mobile terminal, the affiliated store through an authentication process and requesting transmission of the membership program of a specific affiliated store; (c) the mobile telecommunication provider server transmitting the membership program stored in the database server to the mobile telecommunication terminal; (d) when the payment request by the mobile communication terminal is generated, checking, by the credit inquiry terminal, whether the membership program is stored in the mobile communication terminal; (e) reading and sending the membership information to the electronic financial settlement system; And (f) the credit inquiry terminal receiving the use approval signal from the electronic financial settlement system and paying the price; Merchant membership program download method to a mobile communication terminal comprising a. The method of claim 15, wherein in step (a) A signal is wirelessly transmitted between the mobile communication terminal and the mobile communication network, a signal is transmitted between the mobile communication network and the WAP gateway in binary data, and packet data is transmitted between the WAP gateway and the mobile communication operator server. Method for downloading a merchant membership program to a mobile communication terminal, characterized in that the signal is transmitted. The process of claim 15, wherein in step (c) And the mobile communication service provider server designates a MIN of a mobile communication terminal to be transmitted to the membership program and transmits the MIN to the mobile communication network. The process of claim 15, wherein in step (d) The credit inquiry terminal checks whether the membership program is stored in the mobile communication terminal by using an RF communication technique or an infrared communication technique. The process of claim 15, wherein in step (e) The membership information is a card number specified in the membership program, expiration date, password, the user name, the resident registration number of the user, merchant code download method to the mobile terminal, characterized in that the merchant code information. The process of claim 15, wherein in step (f) And the electronic financial settlement system determines whether the user approves the use of the membership information using the membership information received from the credit inquiry terminal through the Internet. The method of claim 15, The mobile communication terminal transmits a transmission request signal of the membership program through a data transmitting / receiving device supporting all RF communication, infrared communication, and Bluetooth communication standards installed in the credit inquiry terminal. How to download the Merchant Membership Program. The method of claim 21, And the transmission request signal includes information on a key value unique to the mobile communication terminal. The method of claim 20 or 21, The credit inquiry terminal receiving the transmission request signal transmits the key value to a mobile communication service provider server through the Internet, and the mobile communication service provider server transmits the membership program to the mobile communication terminal using the received key value. A method for downloading an affiliated store membership program to a mobile communication terminal, characterized in that for performing an associated authentication task.