KR20040053578A - Electronic payment service system by using the sound transmitting of mobile telecommunication device - Google Patents

Abstract

PURPOSE: An EC(Electric Commerce) settlement system using the voice transfer of a portable terminal is provided to install no smart card or module for an EC settlement service to the portable terminal by modulating the settlement request data into a voice with a voice modulator in the portable terminal and transmitting the voice to a settlement terminal. CONSTITUTION: The portable terminal(10) modulates the encrypted settlement request data into the voice data and transmits the voice data to the settlement terminal(20). The settlement terminal receives the voice data from the portable terminal, demodulates the voice data into the encrypted settlement request data, and transmits the data to a certification/settlement system(30). The certification/settlement system transmits the settlement approval data or the denial data to the settlement terminal by demodulating the encrypted settlement request data received from the settlement terminal and processing a certification/settlement procedure, and informs the portable terminal of the settlement approval or denial through an SMS(Short Message Service) message.

Description

ELECTRONIC PAYMENT SERVICE SYSTEM BY USING THE SOUND TRANSMITTING OF MOBILE TELECOMMUNICATION DEVICE}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment system, and in particular, by using voice transmission of a mobile terminal such as a mobile phone, a personal digital assistant (PDA), a mobile communication device, and the like, a credit card, an account transfer, The present invention relates to an electronic payment system that provides electronic payment services such as electronic money and points.

Currently, payment functions using existing credit cards or smart cards are installed in portable terminals such as mobile phones, PDAs, mobile communication devices, etc. and carry only one device to make electronic payments such as electronic money, credit cards, and transportation pass cards in daily life. It is evolving to be possible.

This can be performed by loading payment information such as a credit card or smart card in the portable terminal or inserting a smart card module itself to perform the function, and the portable terminal in a payment terminal (Point of Sale terminal) or CAT (Credit Authorization Terminal) It supports the electronic payment by combining the sensor for communication with. For example, RF, infrared, Bluetooth, bar code liquid crystal screen is used as the communication means of the portable terminal and the payment terminal.

However, the electronic payment using the portable terminal has a problem that the electronic payment service is supported only in a terminal in which a smart card is built or a smart card module is separately mounted, which cannot be used in a general portable terminal.

An object of the present invention is to solve the problems of the prior art as described above by using a voice modulation device built in the portable terminal to modulate the payment billing data into voice and to transmit it to the payment terminal smart card for the electronic payment service to the portable terminal Another object of the present invention is to provide an electronic payment system using voice transmission of a portable terminal that supports a new electronic payment service method that does not need to install the module.

In order to achieve the above object, the present invention provides an electronic payment system using a portable terminal, wherein the portable terminal modulates encrypted billing data into voice data and then transmits it, and receives the voice data of the portable terminal and encrypts it as source data. The mobile terminal decodes the payment terminal after demodulating the received payment data and decrypts the encrypted payment data received from the payment terminal, and transmits the payment approval or unauthorized data to the payment terminal through the authentication and payment approval process. In the SMS message is provided with an authentication and payment approval system to notify the payment approval or unauthorized.

1 is a block diagram showing an electronic payment system using voice transmission of a portable terminal according to an embodiment of the present invention,

2 is a block diagram showing an electronic payment system using voice transmission of a portable terminal according to another embodiment of the present invention.

<Description of the code | symbol about the principal part of drawing>

10: portable terminal

20: payment terminal

30: Authentication and payment approval system

100: external service server with ARS or wireless Internet

Hereinafter, exemplary embodiments of the present invention will be described with reference to the accompanying drawings.

1 is a block diagram showing an electronic payment system using voice transmission of a portable terminal according to an embodiment of the present invention. Referring to FIG. 1, the electronic payment system of the present invention provides a portable terminal 10 for modulating encrypted billing data into voice data (including general voice sound, media ringtone, and sound sound), and a modulated voice data source. And a payment terminal 20 for demodulating data (encrypted payment billing data) and an authentication and payment approval system 30.

The portable terminal 10 of the present embodiment supports writing encrypted payment billing data inside the terminal. To this end, the portable terminal 10 includes a cipher text generation unit 12, a control unit 14, a digital to analog converter (DAC) 15, a voice output unit 16, a transmitter / receiver unit 17, The display unit 18 is configured.

Here, the cipher text generation unit 12 creates the payment request data based on the payment information and the amount information 11a, and encrypts the payment request data using the secret authentication key 11b. At this time, the payment information 11a uses a unique ID such as a payment card number, a portable terminal number, a user social security number, a member number, or an electronic money number. The controller 14 electronically controls the internal device of the portable terminal 10. The DAC 15 modulates the encrypted payment request data generated by the cipher text generation unit 12 into voice data. The voice output unit 16 outputs the voice data modulated by the DAC 15 to a device such as a speaker. The transmitting / receiving unit 17 transmits / receives the authentication and payment approval system 30 and the electronic payment approval / disapproval signal or its response signal. The display unit 18 displays a payment approval / unapproved SMS (Short Message Service) message received from the authentication and payment approval system 30.

The cipher text generation unit 12 of the present invention uses a security technology as follows to prevent recording and reuse of the voice data used for the article in the process of being transmitted to the authentication and payment approval system 30 through the payment terminal 20. to provide. That is, the cipher text generation unit 12 includes the counter value that is incremented each time of payment, the valid time 11c of the payment request data, and the like in the encrypted payment request data. Then, the authentication and payment approval system 30 determines the validity of the data for requesting authentication and payment with reference to these counter values and the valid time, so that voice data transmitted between the portable terminal 10 and the payment terminal 20 (electronic Payment data) to be hacked and reused.

The payment terminal 20 according to the present embodiment includes a voice input unit 21, an analog to digital converter (ADC) 22, a control unit 24, a display unit 26, and a transmission / reception unit 28. do. The payment terminal 20 is a terminal installed in an offline store, and is connected to the authentication and payment approval system 30 through a public switched telephone network (PSTN), a value added network (VAN), a dedicated line, the Internet, or the like.

Here, the voice input unit 21 receives voice data output from the portable terminal 10 through a device such as a microphone and transmits the voice data to the ADC 22. The ADC 22 demodulates the received voice data into encrypted billing data, which is the source data. The controller 24 electronically controls the internal device of the payment terminal 20. The display unit 26 displays payment approval / unauthorization data received from the authentication and payment approval system 30. The transmitting / receiving unit 28 transmits / receives the demodulated billing data or its response signal to the authentication and payment approval system 28.

The authentication and payment approval system 30 of the present invention includes a portable terminal 10 and a payment terminal 20 and a transmission / reception unit 31 for transmitting / receiving a signal, and a cipher text decryption for decrypting the received encrypted billing data. Approved / unapproved data from the mobile terminal 10 or the payment terminal 20 through the transmission unit 31 by processing the payment unit 32 and the payment approval or unauthorized approval through the decrypted payment request data through the authentication and payment approval processing process. It is composed of an authentication / payment processing unit 33 for transmitting a certificate, an authentication database (DB) 34, and a payment database (DB) 35. Here, the authentication DB 34 stores the secret authentication key 11b of the portable terminal 10, and the payment DB 35 stores payment approved data. If the electronic payment system of the present embodiment uses public key infrastructure (PKI), the portable terminal 10 and the authentication and payment approval system 30 use a pair of private key and public key certificate. . In addition, the authentication and payment approval system 30 may be directly operated by a credit card company, an electronic money operator, a point operator, a mobile communication company, etc. according to a payment method, and operated by a separate payment service provider, and an intermediate credit card company and an electronic money operator. For example, it can be relayed to point operators, mobile operators, etc.

One embodiment of the present invention configured as described above is provided with a cipher text generation unit 12 in the portable terminal 10 and using the internal DAC 15 to modulate the encrypted payment billing data by voice payment terminal 20 To transmit. The payment terminal 20 then demodulates the voice data into the original encrypted payment billing data to the ADC 22 and transmits it to the authentication and payment approval system 30. The authentication and payment approval system 30 decrypts the encrypted payment billing data transmitted from the payment terminal 20, and after the electronic payment approval / unauthorization process, notifies the portable terminal 10 of the processing result as an SMS message. At the same time, the payment terminal 20 informs the payment approval / unauthorized result.

In addition, the electronic payment system of the present embodiment creates encrypted billing data using a payment counter value or valid time information in the portable terminal 10, decrypts the encrypted billing data in the authentication and payment approval system 30, and If the payment counter value is larger than the user's payment counter value stored in the authentication DB 34, the authentication is successfully processed. And update the payment counter value of the authentication DB 34 to the value in the transmitted cipher text. If a ciphertext having a value smaller than the payment counter value in the authentication DB 34 is received, it rejects the authentication because the ciphertext used previously is reused. In addition, the valid time information is to check the valid time in the billing data decrypted by the authentication and payment approval system 30 to prevent recording and reuse during the voice data transmission process between the portable terminal 10 and the payment terminal 20. do.

2 is a block diagram showing an electronic payment system using voice transmission of a portable terminal according to another embodiment of the present invention. Referring to FIG. 2, the electronic payment system according to another embodiment of the present invention provides an external service server 100 that receives encrypted billing data encrypted with ARS (Automatic Response Service) or wireless Internet, and the encrypted billing data. The mobile terminal 110 modulates voice data, a payment terminal 120 for demodulating the modulated voice data into source data (encrypted payment billing data), and an authentication and payment approval system 130.

Here, the external service server 100 creates the billing data based on the billing information and the amount information 101, encrypts billing data using the secret authentication key 102, and increases each time the billing data is encrypted. Encrypted text generation unit 104 including a counter value, the valid time 103 of the billing data, etc., and the transmission / reception unit 105 for transmitting and receiving the encrypted billing data and the response to the portable terminal 110 It is composed.

The portable terminal 110 according to another embodiment of the present invention has a transmitter / receiver 111, a controller 112, a DAC 114, an audio output 115, and a display 116 similar to the above-described embodiment. It consists of

Similarly, the payment terminal 120 of another embodiment of the present invention also includes a voice input unit 121, an ADC 122, a control unit 123, a transmitter / receiver 124, and a display unit 126.

In addition, the authentication and payment approval system 130 according to another embodiment of the present invention includes a transmission / reception unit 131, an encryption text decryption unit 132, an authentication / payment processing unit 133, an authentication database (DB) 134, and the like. It consists of a payment database (DB) 135.

Since the portable terminal 110, the payment terminal 120, and the authentication and payment approval system 130 according to another embodiment of the present invention are the same as the configuration of the above-described embodiment, a detailed description of the configuration will be omitted. However, in order for the mobile terminal 110 to receive encrypted billing data through ARS or wireless Internet from the external service server 100, a procedure for authenticating whether the user is legitimate must be performed. If the authentication procedure is successful, the external service server 100 generates and provides encrypted payment request data requested to the portable terminal 110.

Therefore, the electronic payment system according to another embodiment of the present invention receives the encrypted payment billing data using the ARS or the wireless Internet service from the external service server 100 in the general portable terminal 110 to the internal DAC 114. The encrypted payment billing data is modulated into voice and transmitted to the payment terminal 120. The payment terminal 120 demodulates the voice data of the portable terminal 110 into the original encrypted payment request data to the ADC 122 and then transmits the authentication data to the authentication and payment approval system 130. The authentication and payment approval system 130 decrypts the encrypted payment billing data transmitted from the payment terminal 120 and authenticates using the secret authentication key 102, the payment counter value or the valid time 103 in the payment billing data. After processing the electronic payment approval / disapproval with the payment information and the amount information (101) and notifies the mobile terminal 110 of the processing result in an SMS message and transmits the payment approval / disapproval result to the payment terminal 120 at the same time. Let me know.

Therefore, the electronic payment system of the present invention can transmit encrypted payment billing data using a voice modulation / demodulation method even without a separate smart payment card or a module for the electronic payment service to the portable terminal. Provide a service method.

As described above, the present invention directly writes encrypted billing data in a portable terminal or is provided by an external service server through ARS or wireless Internet, and modulates the encrypted billing data by voice, and then transmits it to a payment terminal. The present invention provides a new electronic payment service method in which payment data is transmitted using a voice modulation / demodulation between a mobile terminal and a payment terminal by demodulating voice data and transmitting the data to an authentication and payment approval system.

Therefore, the present invention does not need to separately install a smart card or an electronic module for the electronic payment service in the portable terminal, and inserts a payment counter value or valid time information into the encrypted payment billing data to transmit voice data transmitted between the portable terminal and the payment terminal. Provide security technology to prevent recording and reuse.

On the other hand, the present invention is not limited to the above-described embodiment, various modifications are possible by those skilled in the art within the spirit and scope of the present invention described in the claims to be described later.

Claims (8)

In the electronic payment system using a portable terminal, The portable terminal transmits after encrypting the encrypted billing data to voice data, A payment terminal that receives the voice data of the portable terminal and demodulates it into encrypted billing data as source data and then transmits the demodulated data; And Decrypting the encrypted payment billing data received by the payment terminal and through the authentication and payment approval process to transmit payment approval or unauthorized data to the payment terminal and to notify the mobile terminal of the payment approval or unauthorized approval by SMS message. Electronic payment system using the voice transmission of the portable terminal, characterized in that the authentication and payment approval system. The electronic payment system of claim 1, wherein the portable terminal writes encrypted billing data therein or is provided from an external service server through ARS or wireless Internet. The portable terminal of claim 2, wherein the portable terminal for creating the encrypted billing data therein comprises: a cipher text generation unit for creating and encrypting billing data based on payment information, amount information, and a secret authentication key; A DAC for modulating the created encrypted billing data into voice data, a voice output unit for outputting voice data of the DAC, a transmission / reception unit for transmitting / receiving a signal with the authentication and payment approval system, and the authentication and payment And a display unit for displaying a payment approval / unapproved SMS message received from the approval system, and a control unit controlling these internal devices. The mobile terminal of claim 2, wherein the external service server comprises: a cipher text generation unit for creating and encrypting billing data based on payment information, amount information, and a secret authentication key; and encrypting billing data of the cipher text generation unit to the portable terminal. Electronic payment system using the voice transmission of the portable terminal comprising a transmitting / receiving unit for transmitting. The transmitter / receiver of claim 2, wherein the portable terminal receiving the encrypted billing data from the external service server receives the encrypted billing data from the service server and transmits / receives a signal with the authentication and payment approval system. And a display for displaying a DAC for modulating the received encrypted billing data into voice data, a voice output unit for outputting voice data of the DAC, and payment approval / unauthorized data received from the authentication and payment approval system. And a control unit for controlling these internal devices. The system of claim 3 or 5, wherein the payment information is a payment card number, a portable terminal number, a user social security number, a member number, or an electronic money number. According to claim 3 or 5, wherein the cipher text generation unit using the voice transmission of the portable terminal, characterized in that the encrypted billing data includes a counter value that is incremented each time the payment, the valid time of the billing data Electronic payment system. The system of claim 1, wherein the payment terminal comprises: a voice input unit for receiving voice data of the portable terminal; an ADC for demodulating the received voice data into encrypted payment billing data as source data; and in the authentication and payment approval system. And a display unit for displaying a received payment approval / unapproved SMS message, a transmission / reception unit for transmitting / receiving a signal with the authentication and payment approval system, and a control unit for controlling these internal devices. Electronic payment system using voice transmission.