KR20040052133A - System and Method for Providing Payment on Credit Card Using Mobile Terminal - Google Patents

Abstract

PURPOSE: A method and a system for settling a credit card by using a mobile terminal are provided to perform a credit card settlement by using a mobile terminal by downloading a credit card settlement program and installing it in the mobile terminal. CONSTITUTION: The Internet(150) transmits and receives data to and from mobile communication network. A WAP(Wireless Application Protocol) gateway(140) makes the mobile communication network and the Internet to interwork. An SMS(Short Message Service) center(230) converts a transfer message into a short message and transmits it to a receiving side. A mobile terminal(210) downloads and installs a credit card settlement program and sends data on credit card settlement wirelessly and receives and outputs a message according to approval of settlement. A credit card company server(170) approves card settlement. A wireless NATE server(220) transfers data related to credit card settlement received from the mobile terminal(210) to the credit card company server(170), and transmits a settlement approval result to the mobile terminal(210).

Description

System and Method for Providing Payment on Credit Card Using Mobile Terminal}

The present invention relates to a credit card payment method and system using a mobile terminal, and more particularly, to access a wireless internet server through a mobile terminal, download a credit card payment program based on a Java virtual machine, and install it on a mobile terminal. A credit card payment method and system using a mobile terminal configured to perform a credit card payment to a mobile terminal anywhere.

Credit cards have emerged as a substitute for money as a useful means of payment for goods purchase or service charges. A credit card is an identification card made of plastic material, and when a payment is made, a credit card is read by a card reader, or a holder may withdraw cash from a cash dispenser (CD) using a credit card. do.

There are two general types of credit cards: magnetic type and chip-based type. In the magnetic type, a magnetic stripe of a credit card stores information such as a user's identification information and a password of the credit card. In the chip-based type, an integrated circuit chip is embedded in a credit card, and information such as identification information and password of a credit card user is stored in the integrated circuit chip.

On the other hand, as the mobile terminal and the Internet emerge due to the development of communication technology, the mobile terminal not only makes a phone call with a remote person, but also connects to a server through the wireless Internet using the mobile terminal and performs a payment. It has been in the limelight as a payment method by replacing a credit card.

1 is a configuration diagram schematically showing the configuration of a mobile communication system for performing a card payment using a conventional mobile terminal.

The mobile communication system 100 that performs the conventional card payment is a mobile terminal 110, a wireless base station 120, a mobile communication switching station 130, a WAP gateway 140, the Internet 150, a wireless Internet server 160, Credit card company server 170 and the like.

The mobile terminal 110 not only performs a telephone call with the other party through a mobile communication network by wireless communication, but also accesses the wireless Internet server 160 through the mobile communication network and the Internet to perform a credit card payment. To this end, the mobile terminal 110 connects to the wireless Internet server 160 via a mobile communication network using a browser for Internet connection such as a wireless application protocol (WAP).

The wireless base station 120 includes a base station transmission system (BTS) 122, a base station controller (BSC) 124, a repeater (Cell Enhancer) (not shown), and the like. Here, the wireless base station 120 performs a location registration for the mobile terminals located in the area in which it manages the wireless Internet server 160 for the mobile terminals that applied for credit card payment service among the mobile terminals in the standby state. The data received from) is transmitted over the air using the paging channel.

In the wireless base station 120, the base station transmitter 122 is arranged in units of cells and transmits a call request generated from the mobile terminal 110 to the mobile switching center 130 or in a cell area in which it manages. Location registration is performed to determine the location of an existing mobile terminal 110. The base station transmitter 122 may obtain information such as latitude and longitude at which the base station transmitter 122 is located from a global positioning system (GPS) (not shown), and the position information of the base station transmitter 122 may be obtained from the forward link call channel. The system parameter message is transmitted to the mobile terminal 110. The mobile terminal 110 may register new location information by calculating the moving distance of the mobile terminal 110 itself using the location information of the base station transmitter 122 of the cell to which the mobile terminal 110 belongs.

The base station controller 124 performs various functions necessary for radio call processing such as handoff while controlling and managing a plurality of base stations. The base station controller 124 also transmits subscriber information of the location registered mobile terminal 110 to the mobile communication switching center 130.

The mobile communication switching center 130 has a control function for allowing the wireless base station 120 to operate efficiently and an interworking function with an exchange of a public telephone network. When the mobile communication switching station 130 registers the location of the mobile terminal 110 through the wireless base station 120, the visitor location register (VLR) in the mobile communication switching station 130 is referred to as 'VLR'. After the subscriber information of the mobile terminal 110 is temporarily stored in the 134, the mobile terminal 110 requests a location registration of the mobile terminal 110 to the home location register (HLR). do.

Here, the HLR 132 is a database that stores a service profile regarding subscriber information of a user of the mobile terminal 110. The HLR 132 includes a subscriber's telephone call and a mobile identification number (MIN) of the mobile terminal 110. It has information about the Electronic Serial Number (ESN) and the type of service. The HLR 132 performs a function of storing subscriber information including information of the wireless base station 120 and the mobile switching center 130 where the mobile terminal 110 is located. The mobile communication switching center 130 is composed of a control unit, a call path unit and a peripheral device, and also has a charging data collection function for the mobile terminal 110.

The WAP gateway 140 performs a function such as communication code conversion or protocol conversion between the mobile communication network and the wired Internet network, thereby interconnecting the mobile communication network and the wired Internet network. The Internet 150 is a communication network that provides a connection path for the mobile terminal 110 to access the wireless Internet server 160 via the mobile communication switching station 130 to transmit and receive data.

When the wireless internet server 160 is connected to the Internet 150 and a menu for credit card payment is selected from the user's mobile terminal 110 via a mobile communication network, a form for inputting information about a credit card is provided. It provides a credit card payment service to the mobile terminal 110 by receiving the data on the payment from the mobile terminal 110 and delivers the data to the credit card company server 170. The credit card company server 170 performs card payment approval through an authentication procedure on the card information transmitted from the mobile terminal.

That is, in the mobile communication system performing the conventional card payment configured as described above, in order for the user to perform the credit card payment using the mobile terminal 110, the mobile terminal 110 passes through the mobile communication network and the Internet 150. Access to the wireless Internet server 160. The wireless Internet server 160 provides a plurality of menus including a credit card payment menu to the mobile terminal 110 connected wirelessly, and a user of the mobile terminal 110 selects a credit card payment menu from among a plurality of provided menus. Choose. Subsequently, the wireless Internet server 160 provides a form for inputting data required for credit card payment to the mobile terminal 110, and the user of the mobile terminal 110 uses a credit card number for the credit card payment, an expiration date, Enter your card bill number, merchant number, payment period, and payment amount. The wireless Internet server 160 transmits the data input from the mobile terminal 110 to the credit card company server 170, and the credit card company server 170 performs the approval for the credit card payment.

However, in the conventional credit card payment method using the mobile terminal proceeding as described above, whenever a credit card payment is required, the user not only needs to access the wireless Internet server 160 using the mobile terminal 110, but also pays for the payment. You should receive the necessary form data. In this case, since the mobile terminal 110 accesses the wireless Internet server 160 through a mobile communication network and the Internet 150, the mobile terminal 110 continuously uses the mobile communication service while performing a credit card payment, and thus the mobile communication fee accordingly. Is added. In addition, the mobile terminal 110 has to be operated several times for input of credit card information and the like for credit card payment while connected to the wireless Internet server 160. Therefore, in order to make a credit card payment with the mobile terminal 110, it takes a considerable time while being connected to the wireless Internet server 160, so that not only the payment fee for the credit card payment but also the communication fee for payment are continuously maintained until the connection is terminated. There is a problem that it is added and economically burdened.

In order to solve the above problems, the present invention, by accessing the wireless Internet server as a mobile terminal, downloads a Java virtual machine-based credit card payment program installed in the mobile terminal, after which anytime anywhere credit card payment to the mobile terminal Its purpose is to provide a credit card payment method and system using a mobile terminal configured to be able to do so.

1 is a configuration diagram schematically showing the configuration of a mobile communication system for performing a card payment using a conventional mobile terminal,

Figure 2 is a schematic diagram showing the configuration of a credit card payment system according to a preferred embodiment of the present invention,

3 is a block diagram showing an internal configuration of a mobile terminal;

4 is a block diagram showing an internal configuration of a wireless Nate server;

5 and 6 are a flow chart showing a credit card payment method using a mobile terminal according to an embodiment of the present invention,

7 is a diagram illustrating a plurality of menu screens provided to a mobile terminal in a wireless Nate server;

8 is a screen illustrating a data input screen for credit card payment displayed on a mobile terminal.

In order to achieve the above object, the present invention, a credit card payment system for performing a credit card payment using a mobile communication network, the Internet for transmitting and receiving data in the form of packets with the mobile communication network; A WAP gateway performing a function of interworking by performing communication code conversion or protocol conversion between the mobile communication network and the Internet; A short message (SMS) center for converting the forwarded message into a short message (SMS) and transmitting the short message; After downloading and installing the credit card payment program over the wireless Internet, the user executes the credit card payment program at the time of payment to wirelessly transmit data on the credit card payment entered by the mobile communication network and receive a payment approval message as a message. A mobile terminal for outputting; A credit card company server performing authorization of the card payment through an authentication procedure on the credit card payment data transmitted from the mobile terminal; And downloading a Java virtual machine-based credit card payment program to the mobile terminal, and transferring credit card payment data from the mobile terminal to the credit card company server, and transmitting a payment approval result in a message form. It characterized in that it comprises a wireless Nate server to transmit to.

According to another object of the present invention, there is provided a credit card payment method of a system having the above configuration, the method comprising: (a) connecting the mobile terminal to the wireless Nate server for the first time; (b) the mobile terminal downloading the credit card payment program from the wireless Nate server and installing it on the terminal; (c) running a credit card payment program installed when payment is required and receiving the credit card payment data; (d) transmitting the credit card payment data to the wireless Nate server in the mobile terminal; (e) requesting payment approval by transmitting the credit card payment data to the credit card company server by the wireless Nate server; (f) the credit card company server performing an approval for credit card payment and transmitting the payment approval result data to the wireless Nate server; (g) transmitting, by the wireless Nate server, payment approval result data to the mobile terminal.

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.

Figure 2 is a schematic diagram showing the configuration of a credit card payment system according to a preferred embodiment of the present invention.

Credit card payment system 200 according to the present invention is a mobile terminal 210, wireless base station 120, mobile communication switching center 130, WAP gateway 140, the Internet 150, wireless Nate server 160, credit Card company server 170, SMS center 230 and the like.

The mobile terminal 210 accesses the wireless Nate server 220 over the wireless Internet, downloads and installs a credit card payment program, receives data on the credit card payment, transmits it wirelessly, and confirms whether the payment is approved by a short message. It is a terminal that receives and confirms.

The wireless Nate server 220 is a server that provides a Java virtual machine-based credit card payment program by selecting the mobile terminal 210 wirelessly connected. Data for credit card payment is transmitted from the mobile terminal 210. When it comes to credit card company server 170 also serves to deliver.

The SMS center 230 converts the delivery message into an SMS message and transmits the message to the receiver.

In the present invention, in order to perform a credit card payment with the mobile terminal 210, the user must download the credit card payment program by accessing the wireless Nate server 220 using the mobile terminal 210. At this time, the mobile terminal 210 is connected to the wireless Nate server 220 via a mobile communication network consisting of a wireless base station 120 and the mobile communication switching station 130 and the Internet 150. The payment program needs to be downloaded and installed only once, and when payment is required thereafter, it can be used by executing a payment program installed in the terminal.

Here, the mobile communication network is a communication network for wireless communication, and the Internet 150 is a communication network for wired communication. Thus, the mobile communication network and the Internet 150 have different communication protocols. In this way, the WAP gateway 140 is used to connect the Internet 150 with another mobile communication network.

Here, WAP is a general term for a communication protocol that enables the Internet to be used through a wireless communication terminal such as a mobile phone or a personal digital assistant (PDA). In the past, in order to use the Internet via a mobile phone, a laptop computer equipped with a mobile phone modem card had to be connected to the mobile phone. However, WAP is a breakthrough technology that enables Internet communication with only the wireless terminal itself without a modem card and a computer. In order to solve the communication speed problem of the relatively slow wireless communication, the WAP does not transmit a text code on the Internet as it is, but converts it into a binary code in a WAP server and transmits it to a wireless communication terminal. In addition, the WAP is designed considering the contents and the wireless communication terminal to use the WAP from the model design, so that users can use the Internet using only the wireless terminal. That is, it is possible to directly call a mobile phone corresponding to a telephone number searched on the Internet, and to combine a button on a wireless communication terminal with each other to input text or to assign a button for each content.

That is, the WAP gateway 140 converts the WAP protocol and the Internet TCP / IP protocol. Therefore, the HTTP (HyperText Transfer Protocol) protocol is used between the wireless Nate server 220 and the WAP gateway 140 connected to the Internet 150, and the WAP protocol is used between the mobile terminal 210 and the WAP gateway 140. The data is transmitted and received. The WAP gateway 140 converts a website address (URL) request from the mobile communication network into an HTTP request according to the WAP protocol, and then transmits the website address (URL) to the wireless Nate server 160 through the Internet 150 according to the HTTP protocol. ).

In addition, the WAP gateway 140 converts the HTML-formatted content received from the wireless Nate server 220 into a binary code so that the mobile terminal 210 can recognize the content, and transmits the content to a binary code to the mobile terminal 210.

3 is a block diagram illustrating an internal configuration of the mobile terminal 210.

The mobile terminal 210 includes a program memory 302, a key input unit 304, an LCD display unit 306, a data storage unit 308, a mode state storage unit 310, a subscriber information storage unit 312, and a microprocessor ( 314), a digital signal processor (DSP: `` DSP '') 316, a baseband converter 318, a speaker 320, a microphone 322, an antenna 324, an RF signal processor 326 and the like.

The program memory 302 stores protocol software for implementing functions of the terminal itself and processing messages transmitted and received from the network. In particular, the program memory 302 downloads a credit card payment program by accessing the wireless Nate server 220. There is also a program that installs the installer and adds the list to the executable function menu.

The microprocessor 314 controls the operation of the terminal based on the state flag stored in the mode state storage unit 310. In particular, the microprocessor 314 controls the performance of the credit card payment function based on the credit card payment program downloaded and installed in the wireless Nate server 220.

4 is a block diagram showing the internal configuration of the wireless Nate server 220.

The wireless Nate server 160 may include a program storage unit 410, a memory 420, a controller 430, a display unit 440, a network interface card (NIC) 450, The Java Virtual Machine (hereinafter referred to as "JVM") includes a payment program unit 460, a key input unit 470, a member database 480, and the like.

The program storage unit 410 downloads the credit card payment program to the mobile terminal 210 connected to the wireless Internet, and when the credit card payment is required, the user executes the credit card payment program and transmits the payment data transmitted by the credit card company server. If it is transmitted to the 170, and the credit card company server 170 is approved for payment, the program is stored in the mobile terminal 210 to notify the result of the SMS text message or other forms.

The JVM payment program unit 460 stores a file related to a credit card payment program. When the mobile terminal 210 selects a download, files related to a credit card payment program including a setup file are stored in the mobile terminal 210. Stores the program to be installed. The member database 470 stores personal information about subscribers using a wireless Nate service through a mobile communication network.

Next, the operation of the credit card payment system configured as described above will be described in detail with reference to the flowchart.

5 is a flowchart illustrating a credit card payment method using a mobile terminal according to an embodiment of the present invention.

First, a user who wants to use the service according to the present invention operates the mobile terminal 210 to select a wireless Internet accessing the wireless Nate server 220 from a plurality of menus, and accesses the wireless Nate server 220 (Send). (S510).

The wireless Nate server 220 provides a plurality of menus as shown in FIG. 7 to the mobile terminal 210 connected via the mobile communication network and the Internet 150. The user of the mobile terminal 210 selects "payment program download" from among a plurality of menus. The mobile terminal 210 selects "payment program download" and downloads the credit card payment program from the wireless Nate server 220 (S520).

The mobile terminal 210 updates and installs the credit card payment program downloaded from the wireless Nate server 220 in the program memory 302 in the device (S530). Here, the credit card payment program is a program implemented as a Java application.

When the credit card payment program is installed, the mobile terminal 210 adds a credit card payment menu to a plurality of menus.

Subsequently, the user of the mobile terminal 210 purchases an item or uses a service, and then selects a credit card payment menu from among a plurality of menus using the mobile terminal 210 for payment.

When the user operates the key input unit 304 in the mobile terminal 210 and selects the credit card payment menu, the microprocessor 314 of the mobile terminal 210 executes a credit card payment program that is stored and installed in advance. As shown in Fig. 8, a data input screen for credit card payment is provided.

That is, the data input screen for credit card payment shown in FIG. 8 is a group code such as an affiliated store or store, a department store, an Amway currently used by a user, a member code if a member of a group used, and a card. It consists of a number, expiration date, installment, amount, and the phone number and customer name of the person who pays the current bill.

In this case, the customer name and the mobile phone number are input to prevent the theft of the credit card by checking the real name of the credit card and the current user. The mobile terminal 210 transmits a customer name and a mobile phone number to the wireless Nate server 220, and the wireless Nate server 220 performs user authentication by comparing with data stored in the member database 480 at the time of credit card payment. You will need it when you do it.

The user of the mobile terminal 210 inputs data required for credit card payment by operating the key input unit 304, or connects a magnetic strip reader (MSR) to the mobile terminal 210 and reads the credit card by reading the credit card. The data required for card payment is input (S540).

Subsequently, the user operates the mobile terminal 210 to input a transmission key (Send), so that the mobile terminal 210 wirelessly transmits the credit card payment data (S550).

The credit card payment data transmitted from the mobile terminal 210 is transmitted to the wireless Nate server 220 via the wireless base station 120 and the mobile communication switching center 130 (S560).

The wireless Nate server 220 receiving the credit card payment data from the mobile terminal 210 transmits it to the credit card company server 170 and requests a payment approval (S610).

The credit card company server 170 performs the payment approval based on the credit card payment data, and then transmits the payment approval result data to the wireless Nate server 170 (S620).

When the wireless Nate server 220 receives the payment approval result data from the credit card company server 170 (S630), and transmits to the SMS center 230 with the mobile terminal number receiving the payment approval result data. The SMS center 230 converts the payment approval result data into SMS text data and transmits it to the mobile communication switching center 130, and the mobile communication switching station 130 wirelessly transmits to the mobile terminal 210 through the wireless base station 120. As a result of the transmission, the payment approval result data is transmitted from the wireless Nate server 220 to the mobile terminal 210 (S640).

The mobile terminal 210 stores the payment approval result data in the data storage unit 308 and displays it on the LCD display unit 306 (S650). In addition, an MSR printer may be connected to the mobile terminal 210 to output the result.

Therefore, the user of the mobile terminal 210 can confirm the approval of the credit card payment.

In other words, according to an embodiment of the present invention, a Java virtual machine-based credit card payment program is downloaded and installed in a mobile terminal by accessing a wireless Internet server, and thereafter, anytime and anywhere, the credit card payment can be performed without access to the wireless Internet server. It is possible to realize a credit card payment method and system using a mobile terminal configured to be.

The above description is merely illustrative of the technical idea of the present invention, and those skilled in the art to which the present invention pertains may make various modifications and changes without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

As described above, according to the present invention, a mobile payment solution can be implemented using a mobile terminal without purchasing a terminal for credit card payment, and the burden of maintenance and customer support management is greatly reduced.

Whenever you need to pay, you don't have to download the required form and run the program installed on your device to enter your credit card payment details and send them temporarily. Can be reduced.

Claims (1)

In the credit card payment system for performing a credit card payment using a mobile communication network, An internet for transmitting and receiving data in a packet form with the mobile communication network; A WAP gateway performing a function of interworking by performing communication code conversion or protocol conversion between the mobile communication network and the Internet; A short message (SMS) center for converting the forwarded message into a short message (SMS) and transmitting the short message; After downloading and installing the credit card payment program over the wireless Internet, the user executes the credit card payment program at the time of payment to wirelessly transmit data on the credit card payment entered by the mobile communication network and receive a payment approval message as a message. A mobile terminal for outputting; A credit card company server performing authorization of the card payment through an authentication procedure on the credit card payment data transmitted from the mobile terminal; And downloading a Java virtual machine-based credit card payment program to the mobile terminal, and transferring credit card payment data from the mobile terminal to the credit card company server, and transmitting a payment approval result in a message form. Wireless Nate Server to Transfer Credit card payment system using a mobile terminal, characterized in that it comprises a.